Amathiphu Onga Imali Okuthola I-Fiscally Fit

-Delile

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Yenza lokhu kube unyaka othola phezulu-noma ngisho nangaphambi kwemali yakho. "Unyaka omusha awusho nje ukuqala kabusha okungokomfanekiso, kusho futhi umjikelezo omusha wezezimali maqondana nezinhlangano zomthetho nezamabhizinisi, okunikeza ithuba elibonakalayo lokuthatha izinyathelo ezintsha zokuthola izimali zakho kahle," kusho uchwepheshe wezezimali UPamela Yellen, umbhali we Ibhange ngokwakho UQHUBEKO. Indlela engcono yokushaya impahla yakho ibe yimo? Gwema lokho uYellen akubiza ngokuthi "ukubeka izinhloso ze-slacker": imigomo engacacile, engacacisiwe efana nokuthi "Ngifuna ukonga okuningi" noma "Ngifuna ukusebenzisa imali encane." Kunalokho yenza izinjongo zemali eziqondile kakhulu, ezinenjongo-njengalezi ezichazwe lapha. Ingabe usukulungele ukuqinisa umugqa wakho ophansi? Funda uqhubeke. (Bese ubheka le Mithetho Yemali eyi-16 Wonke Owesifazane Okufanele Ayazi Ngobudala 30.)

Thola Ikusasa Lezezimali

Kufanele sonke sazi manje ukulindela okungalindelekile, akunjalo? Abaningi bethu, noma kunjalo, abakulungele ngokwezimali ukuthi yini engabandakanya lokho. Uma ungakabi nayo, dala isikhwama sosuku lwemvula. Hamba ngokusemandleni akho ukuze uqiniseke ukuthi unayo imali uma kwenzeka kuba nezimo eziphuthumayo zezokwelapha noma ukulungiswa kwekhaya okukhulu.

Kufanele ubeke malini? U-Yellen uphakamisa ukusebenzisa uMthetho Wokulondoloza 40/30/20/10. "Ngokuyinhloko, lokhu kusho ukubeka amaphesenti angama-40 omholo wakho ekusebenziseni imali, amaphesenti angama-30 okonga okwesikhashana (izinto ongazidinga ezinyangeni eziyisithupha ezizayo kuya onyakeni, njengeholide, intela, noma ifenisha entsha), amaphesenti angama-20 ukonga isikhathi eside (isikhwama sakho sezimo eziphuthumayo), namaphesenti ayi-10 imali ongayisebenzisela "okufunayo" (njengaleyo entsha yokufa)! Khipha umshini wokubala futhi unqume ukuthi yimalini ekhokhweni ngalinye eya lapho, bese uzibophezela ekwehlukaniseni umholo wakho wenyanga ngenyanga ngokufanele inyanga ngayinye, kusho uYellen.

Shisa Isikweletu

Ukukhathazeka kwesikweletu akunakugwenywa. Ihlala ikhona, noma ngabe ungayinaki kangakanani, iyakudla-nenkululeko yakho yezezimali.Awusoze waba phezulu kwezezimali zakho ngaphandle kokuthi uphume kokubomvu ungene kokumnyama. Ngakho-ke susa amathumbu esikweletu sakho ngokuqala ukukhokha ngaphezu kwenani eliphansi lokukhokhela ikhadi lakho lesikweletu. Ngokwandisa nje inkokhelo yanyanga zonke ka-$37 kuya ku-$47 inyanga ngayinye esikweletini esingabiza u-$1,500, ungonga ngaphezu kuka-$1,200 enkokhelweni yenzalo futhi ukhokhe isikweletu sakho cishe eminyakeni eyi-10 maduze.

Qinisa Isabelomali Sakho

Akusekho ukuchitha imali willy nilly. Landelela imali oyisebenzisayo bese usetha isabelomali esingokoqobo kalula nge-akhawunti ekuMint.com. Futhi, setha izinzuzo nemiphumela yokusebenzisa nokugcina imali yakho. Ukusetha umgomo wokulondoloza ku-GoalPay.com kungasiza ekugcineni uziphendulele, ngoba abangani bakho nomndeni empeleni bangakwazi ukukuthembisa imali ozoyithola uma ufinyelela umgomo wakho.

Unzima yini ukuphila ngokwamandla akho? Bheka zonke izindleko bese uthola indlela yokuyisika-letha isidlo sasemini ukuze usebenze esikhundleni sokuyithenga, khetha i-lip gloss lip gloss esikhundleni semikhiqizo yezitolo, bese uhlukana nomkhuba wakho we-Starbucks. (Bheka iSave vs. Splurge: Izingubo Zokuzivocavoca NeGiya yakho ukubona ukuthi yini efanele imali enkulu.) Futhi uYeller uphakamisa ukuthi ungahlala futhi uphendule ngokuletha abantu esikebheni nawe. "Yiba nomhlangano wanyanga zonke wezezimali zomndeni ngosuku olufanayo inyanga ngayinye, noma ukhethe umngani noma ilungu lomndeni ohlanganyela naye izinhloso zakho futhi uzibophezele ekubikeni intuthuko yakho kubo," esho.

Tone Imali Yakho Yomhlalaphansi

Bantu besifazane, sekuyisikhathi sokuthi ubuyekeze uhlelo lwakho lomhlalaphansi. Sebenzisa umshini wokubala womhlalaphansi, njengalesi ku-Bankrate.com, ukuze unqume ukuthi usendleleni yokuthola isikhathi esanele sokuthatha umhlalaphansi. Ngena kumeluleki wezezimali wohlelo lwakho ukuze uqiniseke ukuthi ukwabiwa kwempahla yakho (ukuthi itshalwa kanjani imali yakho) kufanele izinhloso zakho. Futhi, qiniseka ukuthi uhlola isakhiwo semali engu-401 (k). "Kunezimali eziningi ezifihlekile, futhi ufuna ukuqiniseka ukuthi uyazi ukuthi uhlelo lwakho lusebenzela kanjani izidingo zakho," kusho uYellen.

Sebenza I-Wallet Yakho

"Zibophezele ekucabangeni ngaphambi kokusebenzisa imali," kusho uYellen. "Funda umehluko phakathi kwesidingo nokuswela ukuze ungabi nezikweletu zokuthenga izinto ezingahambisani nezidingo zakho zangempela." Esikhundleni sokugxila ekusetshenzisweni kwemali, gxila ekongeni-uma uqala ukushiya amaphesenti ayi-10 kusuka kumholo ngamunye ukuze ujabulele izinto ezimnandi njengokudla kwasemini noma ingubo entsha, isabelomali sakho sesizolungiselelwa lezi zindleko futhi ngeke udale okusha isikweletu. Futhi lokho kuwufanele ukuthi isisindo segolide.

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