Amathiphu angu-9 wokuthuthukisa imali yakho
Ngezinye izikhathi, iningi lethu lingena ezikhathini ezithile zezimali eziqinile. Ukuba sesitelekeni sezempi-okuyinto, njengoba sonke siyazi, akuyona enkulu kunazo zonke emhlabeni-akusizi usizo. Kodwa, asikho isizathu sokuthi awukwazi ukugcina imali, kungakhathaliseki ukuthi uzama ukukhulisa isikhwama sakho sokuthatha umhlalaphansi noma ukucisha nje amabhakede ambalwa owengeziwe ngosuku oluluhlaza. Nazi amathiphu ayisishiyagalolunye azokusiza ukuthi ulondoloze imali, ngisho nasemholweni wezempi.
01 Buyekeza Izindlela Zokusebenzisa Ukuchitha
02 Yakha i-Budget
03 Khokha izikweletu zakho Okokuqala
Hlala ukhokhela izikweletu zakho kuqala.-ngaphambi kokuthenga ukudla, ukubeka igesi emotweni yakho, noma ukwenza noma yini enye. Uma usukhokhele izikweletu zakho zenyanga zonke, hlukanisa okusele kweholo lakho phakathi kwezinye izindleko zakho.
04 Empeleni, Zibophe Okokuqala
Yenza ukuzibophezela ukugcina inani elithile lemali ephuma esikhwameni ngasinye. Beka leyo ndawo endaweni ethize (njenge-akhawunti yokulondoloza ezinikezele yona kuphela le njongo kuphela). Akudingeki ukuba kube yimali enkulu, noma, kodwa yenza njalo nayo yonke imali yokukhokha - ngaphambi kokuthi ukhokhe noma yiziphi ezinye izikweletu zakho. Ngisho namadola ambalwa ngesonto ngalinye azokwakha phezu kwesikhathi. Iqhinga lokushiya yedwa. Kuyilinga kakhulu ukucwilisa imali yakho lapho uthola into oyifunayo ngempela. Ungenzi.
05 Sebenzisa i-Cash ukuze uthenge
06 Yidla Ngaphandle
Ngokuqinisekile, ukuthatha i-burger kulula ukuhamba ngobusuku obuvelele, futhi akukho lutho olufana nokuya endaweni yokudlela enhle ukuthola elinye lalabo busuku obunqabile obunqabile ukusuka enyaweni efanele. Inkinga ukuthi ukudla ngaphandle-ngisho nokudla okusheshayo-kuyabiza kakhulu. Zisindise imali ngokudla kaningi, futhi ungabeka imali oyilondolozayo esikhathini esizayo.
07 401 (k) kanye nomhlalaphansi
Uma ungumlingani wezempi futhi uthola 401 (k) noma olunye uhlelo lomhlalaphansi ngomqashi wakho, sebenzisa lokho ukuze kuzuze. Le mali ikhishwa ngaphambi kwentela, ngakho-ke akunciphisi nje kuphela ukuthi kunciphise isidingo sokuba wenze umonakalo wokuchitha imali, kepha kungancipha umthwalo wakho wentela. Ezimweni eziningi, abaqashi bafanisa iminikelo (kuze kube sezingeni) abasebenzi babo benza ama-akhawunti abo asetshenziselwa umhlalaphansi. Ungaphuthelwa-kuyimali yamahhala!
08 Vula i-Akhawunti Yokulondolozwa Kwamacebo Akhawunti
Uhlelo lwe-Thrift Savings luyatholakala kubo bonke abasebenzi, kanye nabanye abasebenzi base-federal, futhi benza inketho enhle kakhulu yokulondoloza imali yokuthatha umhlalaphansi nokukusiza ukuba wakhe iqanda elibaluleke kakhulu.