Udinga Isikhathi Esengeziwe, Uthando & Amandla?

-Delile

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Ngubani ongathandi ukuhambahamba ngeCostco noma iSam's Club ebabaza imibhoshongo yenqwaba? Nakuba sinikeza amaphenti ethu, iningi lethu alimi ukuze siqinisekise ukuthi izinqolobane zethu zangaphakathi zigcwele futhi zilungele izikhathi ezinzima. Ukuhlelela isikhathi esanele kuphela noma ukonga imali eyanele kungakushiya uzizwa ukhathazekile.

"Kodwa uma uzinakekela futhi wenza izinqolobane empilweni yakho," kusho uBeth Rothenberg, umqeqeshi wempilo eLos Angeles, umuzwa wenhlalakahle oba umphumela "ukugcwalisa ngamandla angaphezu kwalokho ongakucabanga." Yingakho siqhamuke nezinto ezine ongazenza manje ukupheqa impilo yakho ngesikhathi esanele, uthando, imali namandla ukuze udlule kunoma yini eza kuwe. (Cabanga ngakho njenge-Costco yomphefumulo wakho!)

1. Zinike isikhathi sakho

Vimba imizuzu engama-30 usuku ngalunye. Empeleni ukuhlela isigamu sehora lesikhathi sokuzibophezela ekhalendeni lakho kungahle kubonakale kuthokozisa, kepha kuyisikhathi esibekiwe ongasisebenzisa nganoma iyiphi indlela ofisa ngayo, noma ngabe kunezimo eziphuthumayo ezingalindelekile - ezinjengokubhekana nenkinga engalindelekile emsebenzini - noma ukwenza kabusha ngokuthatha uhambo olunika amandla. Umphumela: umuzwa wokulawula - nengcindezi encane - ngaphezu kwesimiso sakho sansuku zonke.

2. Layisha uthando

Abangane bakho noshade naye kufanele babe lapho ubadinga, akunjalo? Kunjalo. Kepha awukwazi ukuwafaka nje lapho elungele ukusetshenziswa. "Ubungani kufanele bukhuliswe njengabo bonke ubudlelwano," kusho uRothenberg. Thatha isikhathi isonto ngalinye ukuhlanganyela nomuntu omthandayo: Phendula i-imeyili yomngane wakho (noma ngabe kafushane), bese ushayela enye ebalulekile kanye ngosuku ukubingelela. Lezi zenzo ezincane zikunikeza ukwesekwa kwansuku zonke, futhi ubungani obusebenzayo bukugcina unempilo, uzolile futhi ujabule.

3. Sock away extra money

Awukwazi ukubikezela ukuthi kuzodingeka ukhokhele nini isimo esiphuthumayo samazinyo, ithikithi lokuhamba ngesivinini noma isipho sokushada. Ngakho-ke ukuba nomqamelo wemali - kunokuba ukhokhele isheke eliphilayo - kukuvumela ukuthi uvikele izigameko ezimangazayo futhi ulale kangcono ebusuku. Isinyathelo sokuqala: Sebenzisa noma yini oyenzile ukuze ukhokhe amakhadi wakho wesikweletu; amanani aphezulu wamaphesenti wonyaka inzalo oyitholayo ku-akhawunti yasebhange. Ngemuva kwalokho qala ukongela ikusasa lakho: Khokha ubuningi ku-401 (k) yenkampani yakho, bese utshala ongakwenza esikhwameni sezinkomba zemakethe yamasheya.

"Bazedlula zonke ezinye izimali ezihlanganyelwayo futhi babiza imali encane," kusho uDayana Yochim, ongumkhiqizi omkhulu wezezimali zomuntu siqu eThe Motley Fool, okuyisizinda sezemfundo. "IVanguard yinkampani enhle ongaqala ngayo, kanti ezinye izinkampani zikuvumela ukuthi ukhiphe imali oziholayo ngokuzenzekelayo, okungaba ngu- $ 100 ngenyanga." Ngeke uze uqaphele ukuthi imali ayisekho - uze ubone ukuthi unama-G ebhange. Ngemininingwane engaphezulu, hlola i-blue.com ne-anguardard.com.

4. Nakekela izitolo zakho zamandla

Ukuze ukwandise amandla akho, wasebenzise ezintweni ezibuyisela amandla. "Ngikubiza ngokunakekela ngokweqile," kusho uRothenberg. Yenza "uhlu lwama-dessert" lwezinto eziyi-15 ongavamisile ukuzenza - funda inoveli kadoti, udle isidlo sasemini ngaphandle noma uhlele izimbali. Bese wenza into eyodwa usuku ngalunye. Futhi zama ukunciphisa inani lemisebenzi elikukhathalelayo. "Uma kukhona okuqeda amandla akho, bheka ukuthi ayikho yini indlela ongabelana ngayo nomsebenzi ngokukhokhela othile noma ukukunika abanye amandla," kusho uRothenberg. "Uma kungenjalo, kwenze futhi uyeke ukuzikhathaza ngakho."

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