Izindlela ezingu-12 zokuba ngezezimali zizinzile
Imindeni eminingi yamasosha ihlala ikhokhela ukukhokhwa futhi ngezinye izikhathi ngisho nokulwela ukufeza izidingo. Kodwa kukhona umehluko omkhulu phakathi kwalokho futhi uba mpofu. Ngokufunda ukwenza izinqumo ezihlakaniphile ngemali, ungasiza umndeni wakho ukuthi uzuze ukuzinza kwezezimali kulo lonke isiteji sakho enkonzweni. Nansi indlela:
01 Ukuzinikela ekufundeni ngemali
Ngenkathi iningi lethu lifunda ngezobuciko, isayensi, kanye nobuciko beelwimi esikoleni, asifundanga ukuthi singaphatha kanjani imali yethu. Lokhu kungase kuchaze ukuthi kungani abantu abaningi bengena enkingeni yezezimali. Qala ukufunda amagama ezezimali manje bese uthatha izifundo eziningi zezimali zamahhala ongazithola. Lapho ufunda kabanzi mayelana nemali, ukutshala izimali, amasheya, nokuhlelwa kwezimali, kungcono kakhulu ukuthi uzoba khona esikhathini esizayo. 02 Bhalisela izinhlelo ze-Financial Perk
Uhulumeni unikeza izinhlelo eziningi zezezimali ukusiza amalungu ezempi ukuba abe-futhi ahlale ngokwezimali. Kodwa abasebenzeli abaningi abazisebenzisanga ngalolu hlelo. Sincoma ukuthi uqale uhlelo lwe-Thrift Savings Plan (TSP) noma i-Akhawunti Yomhlalaphansi Yomuntu ngamunye (IRA) ngokusebenzisa i-USAA noma i-Navy Federal. Lezi izinhlelo zokulondolozwa ezikuvumela ukuba ufake ingxenye ethile yokukhokha ngayinye ibe yi-akhawunti engakwazi ukuthintwa kuze kube yilapho usuhlala khona (ngaphandle uma ufuna ukukhokha imali ephezulu kanye nezinhlawulo). Lawa ma-akhawunti azovumela imali yakho ukuba ikhule ngesivinini esisheshayo kune-akhawunti yokugcina ejwayelekile. 03 Phatha Imali Phakathi Nezinhlelo Zokusebenza
Ukusetshenziswa kanzima ngokwanele; ukuzama ukukhokha izikweletu nokulinganisela ibhuku lokuhlola ngesikhathi esifanayo kunzima nakakhulu. Amalungu omsebenzi oshadile ngokuvamile abe nesikhathi esilula ngoba unomlingani ongakwazi ukuphatha izimali. Noma kunjalo, kubalulekile ukuthi abashadile bahlanganyele lonke ulwazi lwezezimali nezinqumo ukuze bakwazi ukuzimela ngokuzikhethela izinqumo ezihlakaniphile ngemali uma omunye wabo efika. Uma ungashadile, ngaphambi kokuthi usebenzise, cela umngane wakho omethembayo noma ilungu lomndeni ukuba ubheke imali yakho njalo kanyekanye ukuze uqinisekise ukuthi zonke izikweletu zakho zikhokhwa ngokugcwele nangesikhathi. 04 Yenza Into Efanele Ngomnikazi Wasekhaya
Ukwakhela ikhaya kungase kuzwakale njengomqondo omuhle, ikakhulukazi uma ufanelekela ukubolekwa kwe-VA futhi akudingeki ubeke phansi imali noma ukhokhele umshuwalense wangasese. Kodwa uma usebenza futhi uhamba njalo eminyakeni embalwa, ukuthenga ikhaya okwamanje kungase kungabi yisinqumo esihlakaniphile kunazo zonke. Uma kufanele uhambe, ukuthengisa ikhaya lakho kungathatha isikhathi eside kunalokho ucabanga futhi ungase ugcine ukuthengisa okungenani (noma ekulahlekelweni). Futhi uma kungenakho ukukhetha ngaphandle kokuqasha indawo, uzophela njengomnikazi wendawo yokuhlala, okuyinto inselele enkulu. Kubasebenzi abaningi, ukuqashwa kungcono kakhulu phakathi neminyaka ohamba ngayo kakhulu. 05 Siza Umlingani Wakho Thola Umsebenzi Ofanelekile
Ngenxa yalezi zindawo eziningi ezifudukayo, abaningi abashadile balwela ukuthola umsebenzi oqinile. Kunzima ukuthola umsebenzi ozokuvumela ukuthi usebenze ekhaya noma ibanga elide elikhokhela kahle. Abashadile abaningi bezempi baye bahlala ekutheni bathathe ukudla, ukudayisa, noma ezinye imisebenzi ezingenayo ukuze bahole imali engaphezulu. Khuthaza umlingani wakho emisebenzini yakhe yezomnotho. Uzozizwa egcwalisekile uma ematasa futhi enza into ayithandayo. Mkhuthaze ukuba aqale ibhizinisi elincane , asebenze njenge-freelancer, noma anikele isevisi esuka ekhaya ezosiza abanye. 06 Gwema lezo Zindawo ze-Pesky Payday Loan
Lezi zindawo zifana nokwethembisa inyanga, kodwa izinga labo lesithakazelo liphezulu kakhulu futhi liphakeme ngosuku ngalunye. Uma usungena, kunzima ukukhululeka. Ukubheja kwakho okuhle kakhulu? Kungcono ukugwema lezi zindawo ngokuphelele. Esikhundleni salokho, gcina imali ngokwanele ukuze ukhokhe izinto ezinkulu noma ufake isicelo sekhadi lesikweletu somdabu. 07 Ukulondolozwa Usuku Lwezinsuku Zokuvuthwa
Ukukhuluma ngokulondoloza, kubaluleke kakhulu ukuthi ube nokunye! Kungaba yisenzo sokuthi zonke izikweletu zikhokhwe futhi kusenayo imali esele isetshenziselwe ukugcina imali, kodwa ngisho noma ubeka kancane kancane ngenyanga, izokhula ngokuhamba kwesikhathi. Ungasetha i-akhawunti yakho yokuhlola ukuthumela ngokuzenzakalelayo inani elithile ekulondolozeni kwakho njalo ngenyanga. Ngaleyo ndlela, ngeke ulahlekelwe imali futhi izindleko zakho zizokhokhwa. 08 Phakamisa isidlo sakusihlwa
Ukuthenga ukudla kwasemini noma ikhofi nsuku zonke kungase kubonakale nje njengamabhakede ambalwa nje lapha, kodwa ngokuhamba kwesikhathi, ungagcina usebenzisa imali eyizinkulungwane zamaRandi ngenyanga uma kungenzeka nje ukuthi ulethe ukudla kwasemini ekhaya. 09 Thola iGesi esiSebenzini
Ukunciphisa ukuthi ukushayela okungakanani kungaba yindlela enhle yokugcina imali ngakho-ke ungakhetha indawo efanele ukugcwalisa ithangi lakho. Ukuthenga igesi ngesisekelo kuzokunika intengo engcono kakhulu yemali yakho, ngakho-ke yenza kube iphuzu lokufaka lapho, uma kunokwenzeka. Thenga isikweletu se-Google Play
Ngaphambi kokuba uzinikele ekuthengeni okuthile, qiniseka ukuthi uthola ukuthengiswa okuhle. Hlola imibiko yabathengi, ukubuyekezwa komkhiqizo, ukuthengiswa kwe-intanethi, nolwazi lokukhipha isaphulelo ukuqinisekisa ukuthi awukhokha imali. Ngesikhathi esifanayo, cabanga kabili ngaphambi kokuthenga izinto ongazidingi ngaso leso sikhathi. Thatha usuku lokucabanga ngalo, futhi uma usengakwazi ukuhlala ngaphandle kwento ekhonjiwe, yithenge. Izikhathi eziningi, izinto ezingadingekile ngeke zithinte uma sisekhaya esitolo. 11 Bhalisela i-Insurance Life
Ibutho lempi linikeza umcimbi omuhle uma kuziwa emshuwalense wokuphila. Umshuwalense Wokuphila Wamaqembu E-Servicemembers (SGLI) ubiza ama-6.5 amakhomitha angu-R6 000 kuphela ngenyanga (okungukuthi u-$ 312 / unyaka we-$ 400,000). Lo mshwalense uyatholakala kubo bonke abasebenzi, kungakhathaliseki ubudala, impilo noma amathuba okuthunyelwa. Uma ungenayo isabelo se-SGLI, thola manje. Ingxenye ebalulekile yokuhlela ikusasa lomndeni wakho. 12 Thatha Inzuzo Yezindleko Zentela
Enye yezinto ezinhle kakhulu ezempi akufanele ukhokhe intela emalini engenayo etholakalayo ngesikhathi sokuthunyelwa. Uma ubeka impilo yakho emgqeni, okungenani uhulumeni angakwenza ukunikeza ukuphumula kwezintela zakho. Zama ukubeka imali eningi yokukhokha intela mahhala ku-Roth IRA. Emashumini ambalwa ambalwa kusukela manje, uma ususa imali, yonke imali eyothola kuyoba yintela. Ikhefu elilodwa lentela elinikezwa amalungu ezempi yikhono lokugcina indawo yokuhlala endaweni eyodwa noma ngabe kufanele uhambise kwenye indawo. Uma, isibonelo, ungumhlali wesifunda samahhala njengaseTexas futhi ugcine ukuthi ukuhlala, ngeke ukhokhe intela yentela yombuso kunoma yimuphi omunye umbuso, kungakhathaliseki ukuthi isilinganiso sentela. Isiphetho
Ukuba nokuzinza ngokwezimali emasosheni akuyona into elula ukuyenza ngaso sonke isikhathi, kodwa uma unomdlandla, uhlakaniphile futhi usebenzise izinzuzo ezinikezwa zona, uzochuma ngesikhathi sakho esasempi.