Imali Eyi-16 Ibusa Wonke Umuntu Wesifazane Okufanele Akwazi Ngeminyaka Engu-30

-Delile

• Sebenzisa uhlelo lokusebenza
• Landela uMthetho wama-50-20-30
• Zijabulise Ngezinto Ezincane
• Gxila Kusasa Lakho
• Ungalokothi Usebenzise Enye Ibhilidi engu-$5
• Kwenze Kuzenzakalelayo
• Yilwa Nakho
• Yakha Isikhwama se- "Walk Away" esingu- $ 1,500
• Yazi Inombolo Yakho
• Namathela Ocezu Olulodwa Lwepulasitiki
• Yiba yi-Nostalgic
• Yeka Ukwesaba Imakethe Yesitoko
• Landela Imithetho Emithathu Yokuthenga
• Ungakhohlwa Ukugcinwa
• Qasha I-Smart Way
• Cela Ukukhuphuka
• Buyekeza kwe-

Ukhipha ukheshi futhi uswayipha ikhadi lesikweletu nsuku zonke, kodwa imali isengaba isihloko esingavunyelwe. “Njengoba ezezimali zomuntu siqu azifundiswa ezikoleni eziningi, iningi lethu alikaze lifunde lutho ngemali ngaphambi kokuthi singene ekuyiphatheni,” kusho u-Alexa von Tobel, umsunguli kanye no-CEO weLearnVest, isizindalwazi sokuhlela imali. Futhi leyo iresiphi yenhlekelele yezezimali. Landela le mithetho ebalulekile ukuze wenze imali yakho ikusebenzele, kunoma iyiphi iminyaka yobudala.

Sebenzisa uhlelo lokusebenza

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Ukulandelela imali yakho kuyisinyathelo sokuqala sokuthola imali ngendlela efanele, kusho u-von Tobel. "Njengokuthi ukugcina idayari yokudla kukusiza ukuthi uqhubeke nokudla, ukufaka imali ngendlela oyisebenzisayo kuzokusiza ukuthi uhlale umkhondo wezezimali," esho. Qala ngohlelo lokusebenza lokuphatha imali njenge-LearnVest. Izoxhuma ku-akhawunti yakho yasebhange futhi ikunikeze iwindi lendlela osebenzisa ngayo imali. Ungasetha isabelomali ukuze ubone ngokushesha ukuthi indlela osebenzisa ngayo imali ihlangana kanjani nezinhloso zakho. Ungamangala ukuthi zingakanani izindleko ezibonakala zincane (yebo, lezo zimali ezingama- $ 2 ATM!) Ezingangezwa.

Landela uMthetho wama-50-20-30

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Hlukanisa imali oya nayo ekhaya (okusele ngemva kwentela) ibe izigaba ezintathu, kusho u-von Tobel: okubalulekile, indlela yokuphila, nekusasa. Amaphesenti angamashumi amahlanu walokho oletha nakho ekhaya kufanele aye ngakwezokuphila okumele ube nakho-uphahla phezu kwekhanda lakho, igrosa, izinsiza, kanye nezinto zokuhamba. Thumela amaphesenti angu-20 ku-akhawunti yokulondoloza noma isikhwama somhlalaphansi (okuningi kulokho kamuva!), futhi ungabi ngaphezu kwamaphesenti angu-30 kusabelomali sakho sendlela yokuphila: ukuthenga, ukuhamba, ubulungu bejimu, nokuzijabulisa okuvamile. [Thwitha leli thiphu!]

Zijabulise Ngezinto Ezincane

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Ungayeki umkhuba wakho wokusebenzisa ikhofi ukuze wonge ukheshi uma ukulangazelela: Njengoba nje ukudla okudla ukudla okudliwa yindlala kungasigcini isisindo ngokuhamba kwesikhathi, ukusika into othanda ukusebenzisa imali kuyo kungakubuyisela esimweni esihle, kusho uSharon Kedar, umbhali. ye Ngezinyawo Zami Ezimbili: Umhlahlandlela Wentombazane Yesimanje Wezezimali Zomuntu. Vele wenze ngokufanele: Bhala uhlu lwezinto zokungcebeleka noma imisebenzi ochitha imali kuyo bese unciphisa leyo oyithandayo (futhi uzuze kuyo) okuncane. (Uma uya ejimini kanye ngesonto, kodwa uthanda ukugijimela ngaphandle, ungabukhansela lelo bulungu.)

Gxila Kusasa Lakho

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Ungase ungacabangi ngama-60s akho kuma-20s akho-kodwa kufanele. Eqinisweni, ukongela ikusasa lakho elingenamsebenzi kungenye yezinqumo ezibaluleke kakhulu zezimali okungenziwa okungama-20, kusho u-von Tobel. Kwenze kahle ngokuqala ngezinto eziyisisekelo. Izinkampani eziningi zinikeza uhlelo lwe-401 (k) noma i-403 (B). Bhalisa futhi uqiniseke ukuthi ubheka uhlelo olufanayo - empeleni kuyimali yamahhala. Enye indlela: iRoth IRA, lapho ubeka khona amadola wentela ngemuva. "Uma kufika isikhathi sokuthatha umhlalaphansi, ungahoxisa ngaphandle kwentela," kusho u-von Tobel. Okokugcina, i-akhawunti ye-brokerage yendabuko iyisinqumo esihle uma usukhiphe ama-akhawunti akho angu-401(k) kanye ne-IRA, kwengeza u-Kedar.

Ungalokothi Usebenzise Enye Ibhilidi engu-$5

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Ukonga imali akulula: amaphesenti angama-76 abantu baseMelika baphila ngokukhokhelwa ukukhokha, ngokusho kocwaningo lwango-2013 olwenziwe yiBankRate.com. Kepha indlela elula yokuphonsa imali ebhange lezingulube ingahle ibandakanye ibhange le-piggy langempela. "Njalo uma uhlangabezana nesikweletu semali yamadola amahlanu esikhwameni sakho, siphose embizeni esikhundleni sokuyisebenzisa," kusho u-von Tobel. [Tweet this tip!] Uma ucabanga ukuthi udinga ingubo entsha noma umoya opholayo, uzoba nemadlana ethe xaxa ukwehlisa ukushaya.

Kwenze Kuzenzakalelayo

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Ukungaboni ngokomzimba lapho imali yakho iya khona (ahem, amakhadi esikweletu) kungaba yingozi ekulondolozeni izinhlelo. Kodwa ngezinye izikhathi kuyasiza: Ukuzilungiselela ukonga kwakho kungasho i-moolah enkulu ngokuhamba kwesikhathi. Setha ukudluliswa kwanyanga zonke kwengxenye yamaphesenti ayi-15 kuye kwangama-20 kuyo yonke inkokhelo, kusho u-von Tobel.

Yilwa Nakho

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Ucwaningo lukhombise kaninginingi ukuthi imali iholela ekulweni emishadweni, kwesehlukaniso nasekucindezelekeni kwempilo jikelele. Kepha ukulwa ngempi kungcono kunokungabi namali nhlobo-futhi kungcono kunokuthi ungalokothi ukhulume ngesihloko, kusho uKedar. Kufanele wazi izikolo zesikweletu somunye nomunye, amaholo, kanye nanoma yiziphi izikweletu. (Ukuze uthole ingxoxo eshelelayo, zama le mibuzo ehambisana nezezimali evela encwadini ka-Kedar Thola Imali Enqunu ukuthola ukuthi amafilosofi okusebenzisa imali omlingani wakho ahambisana kanjani.)

Yakha Isikhwama se- "Walk Away" esingu- $ 1,500

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"Uma kwenzeka udinga ukushiya umsebenzi wakho, ikhaya lakho, noma umlingani wakho, nganoma yisiphi isizathu, lokhu kuzokubeka ethubeni lokuphatha," kusho uKedar. Ngokuhamba kwesikhathi, kufanele uhlose ukuba nezindleko zokuphila ezanele izinyanga ezintathu kuya kweziyisithupha.

Yazi Inombolo Yakho

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Fess up: Uyasazi isikolo sakho sesikweletu? Ngaphandle kokwaziswa ngesimo sekhredithi yakho, ukwazi inombolo yakho kuzokugcina unolwazi lwamakhadi angafuneki avulwe egameni lakho (njengalelo khadi elingahleliwe leBanana Republic). [Twitha lokhu!] Uma uthola ukuthi isikolo sakho siphansi kakhulu (kufanele uphokophele ngaphezu kuka-760), sithuthukise ngokuthi uqale ukhokhe isikweletu sekhadi lakho lesikweletu, ngisho singu-$50 ngenyanga, kusho u-von Tobel. Gcina amaphuzu akho ephezulu ngokungalokothi ulahlekelwe inkokhelo noma isikweletu, futhi uma usukhokhe sekwedlule isikhathi, shayela umbolekisi wakho ukuthi akucele ukuthi imali ekhishwe sekwedlule isikhathi isuswe. Uma umbolekisi evuma, amaphuzu akho esikweletu angase anyuke.

Namathela Ocezu Olulodwa Lwepulasitiki

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Kungcono ukuba nekhadi lesikweletu elilodwa olisebenzisayo kanye nelinye elezimo eziphuthumayo, kusho u-Kedar, kanye nekhadi ledebhithi lokukhipha ukheshi. Ambalwa amakhadi angakusiza ukuthi unamathele kusabelomali, ngoba uma unamakhadi amaningi, iba nemali ethe xaxa, uthi.

Yiba yi-Nostalgic

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Uma uku-spree yokukhansela, qiniseka ukuthi ugcina ikhadi lakho elidala nxazonke. Ngokuya emuva umlando wakho wesikweletu uya, kuba ngcono isikolo sakho, kusho uKedar.

Yeka Ukwesaba Imakethe Yesitoko

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Isikhathi eside (iminyaka emihlanu noma ngaphezulu), imakethe yamasheya yenze kahle ngokomlando, kusho uKedar. Ngakho-ke uma unemali ongayitshala (kufanele ibe ngaphansi kwamaphesenti ama-5 wenani lakho eliphelele nemali ongeke uyidinge eminyakeni emihlanu ezayo), yithathe. Awazi ukuthi ungaqala kuphi? UKedar uphakamisa ukufaka imali esikhwameni sezinkomba, njenge-S & P 500, okuyibhasikidi lamasheya okunikeza ucezu oluncane lobunikazi ezinkampanini ezinkulu ezithengiswa esidlangalaleni e-U.S.

Landela Imithetho Emithathu Yokuthenga

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Ungathengi indlu ngaphandle kokuthi uzohlala kuyo okungenani iminyaka emihlanu. Lesi sikhathi esibekiwe sinciphisa ithuba lokuthi inani lendlu yakho lehle, ngakho-ke ngeke ulahlekelwe yimali lapho uthengisa, kusho uKedar. Qiniseka ukuthi unemali eyanele yokukhokhela amaphesenti angama-20 phansi. Futhi gcina imali yakho obolekise ngayo ilula: UKedar uncoma ukuthi kubanjiswe ngempahla engashintshi yeminyaka engama-30.

Ungakhohlwa Ukugcinwa

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Kubiza cishe amaphesenti angu-3 yenani lokuthenga ikhaya ukunakekela indlu minyaka yonke, kusho uKedar. Ngakho-ke uma uchitha u- $ 200,000 endlini, lindela ukukhokha cishe ama- $ 6,000 ngonyaka kulondolozo.

Qasha I-Smart Way

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Ukubhala umninikhaya wakho isheke njalo ngenyanga akusho ukuthi ulahla imali, kusho uKedar. Eqinisweni, kungaba yindlela ehlakaniphile yokonga uma ungenakho okwanele ukuthenga. Vele ugcine engqondweni ukuthi izindleko ezihlobene nezindlu kufanele zibe ngamaphesenti angama-25 kuphela emholweni wakho. (Uma wenza u- $ 50,000, phokophela ukuchitha cishe u- $ 12,500 kwirenti lakho lonyaka.)

Cela Ukukhuphuka

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Iningi labesifazane alikwenzi, kusho uKedari. Ucwaningo luthole ukuthi amaphesenti angu-20 abesifazane abadala athi awalokothi axoxisane ngeholo, ngisho nalapho kufaneleka. Futhi ngisho noma abesifazane bexoxisana, abaceli okuningi: ngamaphesenti angama-30 ngaphansi kontanga yabesilisa. Ulungiselela umhlangano omkhulu? Qiniseka ukugqamisa iminikelo yakho nokuzibophezela kwakho enkampanini yakho, kuphakamisa uKedari.

Buyekeza kwe-