Kungani Ukusebenza Kwezimali Zakho Kubaluleke Njengokusebenza Ekuqineni Kwakho

-Delile

• Thola umqeqeshi.
• Yenza ukuqeqeshwa kwezezimali kube yingxenye yendlela yakho yokuzinakekela.
• Zibophezele ezinsukwini ezihleliwe zokuqeqesha.
• Bhala phansi uhambo lwakho futhi ujabulele ukugibela.
• Buyekeza kwe-

Cabanga nje: Uma uphathe ibhajethi yakho ngendlela eqinile futhi ugxile oyisebenzisayo empilweni yakho, ubungeke ube ne-wallet ewugqinsi nje kuphela, kodwa ne-akhawunti yokulondoloza eshibhile yaleyo moto entsha oyidingayo, i-amirite? Indawo eyodwa ihlose ukukusiza ukuthi uguqule indlela ocabanga ngayo ngempilo yakho yezezimali, ngokusebenzisa izindlela "zokuqeqesha" namathuluzi ongase uwahlanganise negumbi lesisindo noma umjaho webanga.

IGym Financial Gym, esungulwe ngungoti wezezimali uShannon McLay, iqeqesha futhi iqinise "imisipha yemali" yamakhasimende ayo ngendlela eqabulayo yokuphathwa kwengcebo. Ungakhetha kusuka emazingeni amathathu ahlukene wokuqeqeshwa kwezezimali komuntu ngamunye, kuya ngokuthi ukuphi lapho usemalini yakho yamuva-impilo yamagrad ekolishi vs. umndeni oshadile, ngokwesibonelo-futhi uzosebenza nomeluleki wakho, kungaba mathupha e-NYC, ku-Skype, noma ngengosi eku-inthanethi, okungenani izinyanga ezintathu. Inketho eku-inthanethi kuphela iyatholakala kusuka ku- $ 85, ngobulungu obuqhubekayo bukhuphuka busuka lapho. "Abantu abaningi bayaziqonda izinhloso zokuqina njengokuqeqeshelwa imarathon noma ukunciphisa umzimba, kodwa abazizwa sengathi bayayiqonda imali," kusho uMcLay, othi lezi zingqinamba zokuzivocavoca zisiza ekwenzeni lula imali nokutshala imali kumakhasimende akhe.

Ngakho-ke simcele ukuthi ahlanganyele ezinye zezinto azithandayo "zeCash Cardio" ongazijwayeza ekhaya ukonga imali eningi.

Thola umqeqeshi.

UMcLay uthi ukuxhumana ubuso nobuso nomqeqeshi wezezimali kwenza umehluko omkhulu. “Kulula ukucisha i-app noma iwebhusayithi, kodwa kunzima ukugwema umuntu ohlezi phambi kwakho futhi akuphendule ngezinqumo ozikhethayo,” kusho yena. "Sithanda ukusho ukuthi singamaJillian Michaels emali yakho. Ungahle ungathandi njalo ukusebenza kanzima nokuzidela, kodwa imiphumela uzoyithanda ekugcineni."

Yenza ukuqeqeshwa kwezezimali kube yingxenye yendlela yakho yokuzinakekela.

“Ngikhungathekile ukuthi abesifazane abayibeki phambili impilo yezezimali njengoba benza nempilo yabo engokomzimba nempilo yabo,” kusho uMcLay. Uthi ukudideka kwezingxoxo nemikhuba esephelelwe yisikhathi kanye nezindima zobulili kungenza ukufunda kwezimali kube nzima kakhulu futhi kungathandeki kakhulu kubantu besifazane. "Impilo yezezimali ingaba mnandi futhi ihehe njengempilo yomzimba, futhi kubalulekile ngathi ukuthi sikukhulume lokhu kwabesifazane, ikakhulukazi njengoba abesifazane bephila isikhathi eside, benza imali encane kunabesilisa, futhi bakhokha kakhulu ngokwesilinganiso izimpahla nezinsizakalo eziqondiswe ngqo kwabesifazane. "

Zibophezele ezinsukwini ezihleliwe zokuqeqesha.

Njengoba nje ukuba nempilo engokomzimba kuthatha isikhathi, amandla, nokuzibophezela kanjalo nokuba sesimweni esihle ngokwezimali. UMcLay uncoma ukuthi uhlele isikhathi sokuzivivinya kwezezimali nemisebenzi isonto lonke, njengoba nje ubungavivinya ukuqeqeshwa kwakho namakilasi wokufaneleka. Maka phansi izinsuku ezimbili noma ezintathu ngeviki ukuze uthole umsebenzi wezezimali njengezinsuku zokungachithi noma izinsuku zokusebenzisa imali kuphela. Lapho uqhubeka uzijwayeza, kuzoba lula kakhulu. (Okuhlobene: Ubuwazi ukuthi ukwephuka kubangela ubuhlungu emzimbeni?)

"Khumbula ukuthi isabelomali sifana nokudla. Akekho ofuna ukuba ngomunye, kodwa akunikeza umbono omuhle wokuthi kufanele uyisebenzise kanjani imali yakho futhi uhlale unempilo," usho kanje. "Njengoba nje ungazikala njalo ukuze uhlole ukuthuthuka komzimba, kufanele ubheke impilo yakho yezezimali njalo. Uma wenza isilinganiso, hlola zonke izimpahla zakho njengama-akhawunti asebhange, ama-akhawunti okutshalwa kwezimali, nokuthatha umhlalaphansi. ama-akhawunti, hlola izikweletu zakho njengamakhadi wesikweletu nemalimboleko yabafundi, bese ubheka amaphuzu akho esikweletu. "

Bhala phansi uhambo lwakho futhi ujabulele ukugibela.

Uyazazi zonke lezo zithombe ze-#TransformationTuesday ozibonayo zigcwalisa okuphakelayo kwakho kwezindaba? Leyo miphumela ayizange yenzeke ngokuphazima kweso, kodwa mfana kuyajabulisa ukubona "ngaphambili" kanye "nangemva" ngemva kwawo wonke lowo msebenzi onzima. UMcLay uthi kufanele ubhale phansi uhambo lwakho lwezezimali ngendlela efanayo, ukuze uqaphele impumelelo kanye nezingqinamba ukuze kuthi lapho ufinyelela umgomo wakho (njengokulawula imali yakho), ukhumbule wonke umsebenzi owawuthatha ukufika lapho. "Abantu abakuqapheli ukucindezelwa yimali-futhi uma usuqala ukuyilawula, ingcindezi izokwehla," esho. Ngakho yeka ukujikijela nokuphenduka nyanga zonke lapho ikhadi lakho lesikweletu nerenti kufanele ngesikhathi esifanayo, futhi uqale ukusebenzisa lokho kukhathazeka njengesisusa sokuthola ukulingana ngokwezimali.

Buyekeza kwe-