Kutheni Ukusebenza Kwimali Yakho Kubaluleke Ngokufana Nokusebenza Kwimpilo Yakho

Umxholo

• Fumana umqeqeshi.
• Yenza uqeqesho lwezemali lube yinxalenye yendlela yakho yokuzinyamekela.
• Zibophelele kwiintsuku zoqeqesho ezicwangcisiweyo.
• Bhala phantsi uhambo lwakho kwaye ukonwabele ukukhwela.
• Uphengululo lwe

Khawucinge nje: Ukuba ulawule uhlahlo lwabiwo-mali ngendlela efanayo kwaye ugxininise isicelo kwimpilo yakho yomzimba, mhlawumbi ubuya kuba ne-wallet etyebileyo kuphela, kodwa i-akhawunti yokulondoloza imali eninzi yaloo moto intsha oyifunayo, amirite? Indawo enye ijonge ukukunceda utshintshe indlela ocinga ngayo malunga nempilo yakho yezemali, ngokusebenzisa iindlela "zoqeqesho" kunye nezixhobo onokuthi uzidibanise negumbi lobunzima okanye ugqatso lomgama.

IGym Financial Gym, esekwe yingcali yezezimali uShannon McLay, iqeqesha kwaye yomeleze abathengi "bemisipha yemali" yayo ngendlela ehlaziyayo kulawulo lobutyebi. Unokukhetha kumanqanaba amathathu ahlukeneyo oqeqesho lwezezimali lomntu ngamnye, kuxhomekeke apho ukhoyo kwimali yakho yobomi-kwiikholeji zakutshanje ngokuchasene nosapho olutshatileyo, umzekelo-kwaye uya kusebenza nomcebisi wakho, nokuba ungubani na kwi-NYC, kwi-Skype, okanye nge-portal ye-intanethi, ubuncinane beenyanga ezintathu. Inketho ekwi-Intanethi kuphela iyafumaneka ukuqala kwi- $ 85, kunye nobulungu obuqhubekayo obunyuka busuka apho. "Abantu abaninzi bayaziqonda iinjongo zomzimba ofana noqeqesho lwe-marathon okanye ukunciphisa umzimba, kodwa abaziva ngathi bayayiqonda imali," utshilo uMcLay, othi ezi analogue zomzimba zinceda ukwenza lula imali kunye nokutyala imali kubaxumi bayo.

Ke samcela ukuba abelane ngeentshukumo zakhe azithandayo ze "Cash Cardio" ongaziqhelanisa nazo ekhaya ukonga imali eninzi.

Fumana umqeqeshi.

UMcLay uthi ukunxibelelana nomntu ngamnye kunye nomqeqeshi wempilo yezemali kwenza umahluko omkhulu. "Kulula ukucima iapp okanye iwebhusayithi, kodwa kunzima ukunqanda umntu ohleli phambi kwakho ekubambe ukuba uziphendulele ngokhetho lwezemali olwenzayo," utshilo. "Sithanda ukuthi siyiJillian Michaels yemali yakho. Usenokuhlala ungawuthandi umsebenzi onzima kunye nokuzincama, kodwa uya kuzithanda iziphumo ekugqibeleni."

Yenza uqeqesho lwezemali lube yinxalenye yendlela yakho yokuzinyamekela.

"Ndinelona xhala xa abantu basetyhini bengayibeki phambili impilo yezemali njengokuba besenza impilo yabo yomzimba kunye nokuba sempilweni kwabo," utshilo uMcLay. Uthi ukudideka kwejoggon kunye nezenzo eziphelelwe lixesha kunye nendima yesini kunokwenza ukuba ulwazi lwezezimali lube nzima ngakumbi kwaye lungathandeki kwabasetyhini. "Impilo yezemali inokuba mnandi kwaye ithandeke njengempilo yomzimba, kwaye kubalulekile kuthi ukuba sikuxelele oku kubasetyhini, ngakumbi kuba abafazi bahlala ixesha elide, besenza ngaphantsi kwamadoda, kwaye bahlawule ngaphezulu komndilili weempahla kunye neenkonzo ezijolise ngokukodwa kubasetyhini. "

Zibophelele kwiintsuku zoqeqesho ezicwangcisiweyo.

Kanye njengokuba ukuba sempilweni ngokwasemzimbeni kufuna ixesha, amandla kunye nokuzinikela, kunjalo ke nokuba sempilweni ngokwasezimalini. UMcLay ucebisa ukuba ucwangcise ixesha loqeqesho lwezemali kunye nemisebenzi yonke iveki, kanye njengoko ubuya kwenza umsebenzi wakho kunye neeklasi zokomelela. Phawula iintsuku ezimbini okanye ezintathu ngeveki ukwenza umthambo wezemali njengeentsuku zokungachithi okanye iintsuku ezikheshi kuphela. Okukhona uziqhelisa, kokukhona kuya kuba lula. (Inxulumene: Ngaba ubusazi ukuba ukwaphuka kubangela iintlungu emzimbeni?)

"Khumbula ukuba uhlahlo-lwabiwo mali lufana nokutya. Akukho mntu ufuna ukuba kokunye, kodwa bakunika umbono omkhulu wokuba ungayisebenzisa njani imali yakho kwaye uhlale usempilweni, utshilo. "Njengokuba ubuya kuzilinganisela rhoqo ukujonga inkqubela phambili yomzimba, kuya kufuneka ujonge impilo yakho yezemali rhoqo. Xa usenza umlinganiso, jonga zonke iiasethi zakho ezinje ngeakhawunti yebhanki, iiakhawunti zotyalo-mali, kunye nomhlala phantsi. iiakhawunti, jonga amatyala akho njengamakhadi etyala kunye neemali mboleko zabafundi, kwaye ujonge amanqaku akho etyala. "

Bhala phantsi uhambo lwakho kwaye ukonwabele ukukhwela.

Uyazazi zonke ezo foto ze #TransformationTuesday ubona zigcwalisa iindaba zakho? Ezo ziphumo azizange zenzeke ngobusuku obunye, kodwa inkwenkwe iyayolisa ukubona "phambi" kunye "nasemva" emva kwawo wonke loo msebenzi unzima. UMcLay uthi kufuneka ulubhale phantsi uhambo lwakho lwezezimali ngendlela efanayo, ukuze uqaphele impumelelo kunye nezithintelo ukuze xa ufikelela usukelo lwakho (njengokulawula nje imali yakho), ungawukhumbula wonke umsebenzi owenzileyo ukufika apho. Abantu abaluboni uxinzelelo lweemvakalelo lwemali-kwaye nje ukuba uqale ukuyilawula, uxinzelelo luza kuphela, utshilo. Ke yeka ukuphosa nokujika inyanga nenyanga xa ikhadi lakho letyala kunye nerenti kufanelekile ngaxeshanye, kwaye uqalise ukusebenzisa olo xinzelelo njengenkuthazo yokufumana imali efanelekileyo.

Uphengululo lwe