Imithetho yemali eyi-16 wonke umntu obhinqileyo kufuneka uyazi ngeminyaka engama-30

Umxholo

• Sebenzisa iApp
• Landela umgaqo we-50-20-30
• Zonwabele kwizinto ezincinci
• Gxila kwikamva lakho
• Ungaze Uchithe Enye I-5 yeedola eziYilwayo
• Yenze Izenzekela
• Yilwa ngaphandle
• Yakha iNgxowa-mali "yokuHamba kude" eyi-1,500
• Yazi inombolo yakho
• Namathela kwinto enye yePlastiki
• Yiba yiNostalgic
• Yeka Ukoyika i-Stock Market
• Landela iMigaqo emi-3 yokuthenga
• Ungalibali Ukugcina
• Renta iNdlela eSmart
• Buza ukunyusa
• Uphengululo lwe

Ukhupha imali kwaye uswayipha ikhadi letyala yonke imihla, kodwa imali isenokuthi ibe sisihloko. "Ekubeni iimali zobuqu azifundiswa kwizikolo ezininzi, uninzi lwethu aluze lufunde nantoni na ngemali ngaphambi kokuba singene ekuyiphatheni," utshilo u-Alexa von Tobel, umseki kunye ne-CEO ye-LearnVest, iwebhusayithi yokucwangcisa imali. Kwaye yirisithi yentlekele yezemali. Landela le mithetho ibalulekileyo yokwenza ukuba imali yakho ikusebenzele, nangaliphi na ixesha.

Sebenzisa iApp

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Ukulandela umkhondo wemali yakho linyathelo lokuqala lokufumana ukulandelelana kwemali, utshilo u-von Tobel. “Njengokuba ugcine idayari yokutya kukunceda uhlale usendleleni yokutya, ukugawula imali oyisebenzisayo kuya kukunceda uhlale usendleleni yezemali,” utshilo. Qala ngenkqubo yokulawula imali njengeLearnVest. Iya kudibanisa kwiakhawunti yakho yebhanki kwaye ikunike iwindow kwinkcitho yakho. Unako ukuseta uhlahlo-lwabiwo mali ukuze ubone ngokukhawuleza ukuba inkcitho yakho ingqokelela njani kwiinjongo zakho. Uya kumangaliswa ukuba zininzi kangakanani iintlawulo ezibonakala zincinci (ewe, ezo $ 2 iifizi ze-ATM!) ezinokudibanisa.

Landela umgaqo we-50-20-30

Ingcinga

Yahlulahlula imali oyisa ekhaya (eseleyo emva kwerhafu) kwiindidi ezintathu, utsho u-von Tobel: izinto ezibalulekileyo, indlela yokuphila kunye nekamva. Amashumi amahlanu eepesenti yento oza nayo ekhaya kufuneka iye kwizinto zobomi ekufuneka uzenzile-uphahla phezu kwentloko yakho, ukutya, izinto eziluncedo kunye nokuhamba. Thumela iipesenti ezingama-20 kwiakhawunti yokonga okanye kwingxowamali yomhlalaphantsi (ngaphezulu koko kamva!), Kwaye kungabikho ngaphezulu kweepesenti ezingama-30 kuhlahlo-lwabiwo mali lwakho lokuphila: ukuthenga, ukuhamba, ubulungu bokuzivocavoca, kunye nokuzonwabisa ngokubanzi. [Tweet le ngcebiso!]

Zonwabele kwizinto ezincinci

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Sukuyekisa umkhwa wakho wokubaleka ikofu ukonga imali ukuba ujonge kuyo: Njengokuba ukutya ukutya yindlala kungabugcini ubunzima ekuhambeni kwexesha, ukusika into oyithandayo xa uchitha imali kuyo kunokubuya nomlilo, utshilo uSharon Kedar, umbhali ye Kwam Ngokwam Ziinyawo Zimbini: Isikhokelo Samantombazana Amanje Kwimali Yakho. Yenza nje ngokufanelekileyo: Dwelisa izinto zokuzonwabisa okanye izinto ochitha kuzo imali kwaye unciphise kuleyo uyithandayo (kwaye uzuze kuyo) kancinane. (Ukuba uya ejimini kanye ngeveki, kodwa uthanda ukuphuma ngaphandle, ungaburhoxisa ubulungu.)

Gxila kwikamva lakho

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Usenokungacingi malunga nee-60s zakho kwii-20s zakho-kodwa kufanelekile. Ngapha koko, ukongela ikamva lakho elingenamsebenzi sesinye sezigqibo ezibaluleke kakhulu kwezemali esinokuthi senze into engama-20, utsho u-von Tobel. Yenza ngokufanelekileyo ngokuqala ngeziseko. Uninzi lweenkampani zibonelela nge-401 (k) okanye i-403 (B) inkqubo. Bhalisa kwaye uqiniseke ukuba ujonga inkqubo ehambelana nayo- yimali yasimahla. Enye inketho: iRoth IRA, apho ubeka khona iirhafu zerhafu. "Xa kufika ixesha lokuthatha umhlalaphantsi, ungarhoxisa irhafu," utshilo u-von Tobel. Okokugqibela, iakhawunti yokuthengisa ngokuthengisa ngokwesiko lukhetho olufanelekileyo xa usenza i-akhawunti yakho ye-401 (k) kunye ne-IRA, yongeza iKedare.

Ungaze Uchithe Enye I-5 yeedola eziYilwayo

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Ukugcina imali akukho lula: Iipesenti ezingama-76 zabantu baseMelika baphila ngokuhlawula, ngokutsho kovavanyo olwenziwe ngo-2013 yi-BankRate.com. Kodwa eyona ndlela ilula yokuphosa imali kwi-piggy bank inokubandakanya ibhanki yehagu yokwenyani. Ngalo lonke ixesha ufumana ibhilikhi yeedola ezintlanu kwisipaji sakho, yiphose ejagini endaweni yokuyichitha,” utshilo u-von Tobel. [Thwetha eli cebiso!] Xa ucinga ukuba ufuna isinxibo esitsha okanye umoya ophumayo ukhupha, uya kuba nemali eyongezelelekileyo ukuze unciphise isithonga.

Yenze Izenzekela

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Ukungaboni ngokwasemzimbeni apho imali yakho isiya khona (i-ahem, amakhadi etyala) kunokuba yityhefu ekugcineni izicwangciso. Kodwa ngamanye amaxesha kuyanceda: Ukuzenzela ugcino lwakho lunokuthetha umolah omkhulu ekuhambeni kwexesha. Misela ukudluliselwa kwenyanga kwesahlulo se-15 ukuya kwi-20 yepesenti yomvuzo ngamnye, u-von Tobel ucebisa.

Yilwa ngaphandle

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Uphononongo lubonise amaxesha ngamaxesha ukuba imali ikhokelela kwimilo emitshatweni, uqhawulo-mtshato, kunye noxinzelelo oluqhelekileyo lobomi. Kodwa ukuba nomlo ngemali kubhetele kunokuba ungenayo kwaphela imali-kwaye ungcono kunokuba ungasasazi isihloko, utshilo uKedare. Kufuneka nazi amanqaku ekhredithi omnye komnye, imivuzo, kunye nawaphi na amatyala. (Kwincoko egudileyo, zama le mibuzo yokuhambelana kwemali evela kwincwadi kaKedar Fumana zezeMali ukufumanisa ukuba wena kunye nomlingane wakho uchitha njani iifilosofi.

Yakha iNgxowa-mali "yokuHamba kude" eyi-1,500

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"Ukuba ufuna ukushiya umsebenzi wakho, ikhaya lakho, okanye iqabane lakho, nangasiphi na isizathu, oku kuya kukubeka kwindawo yamandla," utshilo uKedar. Ekuhambeni kwexesha, kufuneka ujonge ukuba neendleko zokuphila ezixabisa iinyanga ezintathu ukuya kwezintandathu.

Yazi inombolo yakho

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Fess up: Ngaba uyawazi amanqaku akho ekhredithi? Ngaphandle kokwaziswa malunga nobume betyala lakho, ukwazi inombolo yakho kuya kukugcina kuthungelwano lwawo nawaphi na amakhadi angeyomfuneko avulwe egameni lakho (njengelo khadi laseBanana Republic). [Thwetha oku!] Ukuba ufumanisa ukuba amanqaku akho akwicala eliphantsi (kufuneka ujonge ngaphezulu kwama-760), liphucule ngokuthi uqale uhlawule ityala lakho lekhadi lokuthenga ngetyala, nokuba li-$50 ngenyanga, utsho u-von Tobel. Gcina amanqaku akho aphezulu ngokungaze ulahle intlawulo okanye ityala, kwaye ukuba wenze intlawulo kade, biza umntu oboleke imali ukuba akucele ukuba ususwe umrhumo wamva. Ukuba umbolekisi uyavuma, amanqaku akho etyala anokunyuka.

Namathela kwinto enye yePlastiki

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Kungcono ukuba ube nekhadi elinye lekhredithi olisebenzisayo kunye nelinye likaxakeka, utshilo uKedar, kunye nekhadi lebhanki lokurhola imali. Amakhadi ambalwa anokukunceda unamathele kuhlahlo-lwabiwo mali, kuba amakhadi onawo, kokukhona unokuchitha imali, utshilo.

Yiba yiNostalgic

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Ukuba ukurhoxa kwispree, qiniseka ukugcina ikhadi lakho elidala ngeenxa zonke. Ukubuyela umva kwimbali yakho yamatyala kuya, ngcono amanqaku akho, utsho uKedare.

Yeka Ukoyika i-Stock Market

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Ixesha elide (iminyaka emihlanu okanye nangaphezulu), imarike yemasheya sele iqhuba kakuhle, utshilo uKedare. Ke ukuba unayo imali yokutyala (kufanele ukuba ibe ngaphantsi kweepesenti ezintlanu zexabiso lakho kunye nemali ongazukuyidinga kule minyaka mihlanu izayo), yiya ngayo. Awuyazi ukuba uqale phi? UKedari ucebisa ukuba utyale imali kwingxowa-mali yesalathiso, njenge-S & P 500, eyona bhasikiti yesitokhwe ikunika ubuncinci bobunini kweyona nkampani zinkulu zithengiswa esidlangalaleni e-U.S.

Landela iMigaqo emi-3 yokuthenga

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Sukuthenga indlu ngaphandle kokuba uza kuhlala apho iminyaka emihlanu ubuncinci. Eli xesha libekiweyo liwanciphisa amathuba okuhla kwexabiso lendlu, ngenxa yoko awuyi kuphulukana nemali xa uthengisa, utshilo uKedare. Qinisekisa ukuba unemali eyaneleyo yokuhlawula iipesenti ezingama-20. Kwaye ugcine imali yakho yokubambisa ilula: I-Kedar icebisa iminyaka engama-30 yemali-mboleko esisigxina.

Ungalibali Ukugcina

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Ixabisa malunga neepesenti ezintathu zexabiso lokuthenga ikhaya ukugcina indlu minyaka le, utshilo uKedar. Ke ukuba uchitha i $ 200,000 endlwini, lindela ukuhlawula malunga ne- $ 6,000 ngonyaka kulondolozo.

Renta iNdlela eSmart

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Ukubhala umnini-mhlaba ngetsheki inyanga nenyanga ayisiyiyo ukulahla imali, utshilo uKedare. Enyanisweni, inokuba yindlela ehlakaniphile yokugcina ukuba awunayo into eyaneleyo yokuthenga. Gcina nje ukhumbula ukuba inkcitho enxulumene nezindlu kufuneka ifike kwiipesenti ezingama-25 zengeniso yakho. (Ukuba wenza i $ 50,000, jolisa ekuchitheni malunga ne- $ 12,500 kwirente yakho yonyaka.)

Buza ukunyusa

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Abafazi abaninzi abakwenzi oko, utsho uKedare. Izifundo zifumanise ukuba iipesenti ezingama-20 zabasetyhini abadala bathi zange bathethe-thethwano ngomvuzo konke konke, kwanaxa kufanelekile. Kwaye nokuba abantu basetyhini bayathethathethana, ababuzi okuninzi: iipesenti ezingama-30 ngaphantsi koontanga abangamadoda. Ulungiselela intlanganiso enkulu? Qinisekisa ukuqaqambisa igalelo lakho kunye nokuzibophelela kwinkampani yakho, ucebisa uKedari.

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