Iingcebiso zokuGcina iMali zokufumana ukulungela imali

Umxholo

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Yenza lo unyaka ube phezulu okanye ngaphambili kwemali yakho. "Unyaka omtsha awuthethi nje isiqalo esitsha sokomfuziselo, ukwathetha umjikelo omtsha wezemali ngokubhekisele kumashishini asemthethweni, okukunika ithuba elibonakalayo lokuthatha amanyathelo amatsha okufumana imali yakho," itshilo ingcali yezezimali. UPamela Yellen, umbhali we IBHNKI YAKHO UVUNDULO. Yeyiphi indlela ebalaseleyo yokubetha iasethi yakho ukuba ibe yimilo? Kulumkele oko uYellen akubiza ngokuba "kukubeka iinjongo zokuyekisa": iinjongo ezingacacanga ezinje ngo "Ndifuna ukugcina ngaphezulu" okanye "Ndifuna ukusebenzisa imali encinci." Endaweni yokwenza izinto eziphambili, ezinenjongo zemali-ezinje ngezi zichazwe apha. Ngaba ukulungele ukuqinisa umgca wakho ophantsi? Funda uqhubeke. '

Zuza ikamva lezezimali

Sonke kufuneka sazi ngoku ukuba silindele okungalindelekanga, akunjalo? Uninzi lwethu, nangona kunjalo, alukulungelanga ngokwezimali oko kunokubandakanya. Ukuba awunayo, yenza ingxowa yemini yemvula. I-Sock kangangoko unakho ukuze uqiniseke ukuba unemali ekhoyo xa kukho izinto ezingxamisekileyo zonyango okanye ukulungiswa kwekhaya elikhulu.

Ufanele ubeke malini? U-Yellen ucebisa ukuba usebenzise umthetho wama-40/30/20/10 oGcina umthetho. Ngokusisiseko, oku kuthetha ukubeka ama-40 ekhulwini omvuzo wakho ekuchitheni imali, ama-30 ekhulwini kugcino lwexesha elifutshane (izinto onokuzifuna kwiinyanga ezi-6 ezizayo ukuya kunyaka, njengeholide, irhafu, okanye ifenitshala entsha), ama-20 ekhulwini ukonga ixesha elide (ingxowamali yakho engxamisekileyo), kunye neepesenti ezili-10 imali oyisebenzisela "ukufuna" (njengaleyo intsha uza kufa kuyo)! Qhekeza ikhalityhuleyitha kwaye ubone ukuba yimalini evela kumvuzo ngamnye oya phi, emva koko wenze ukwahlula umvuzo wakho wenyanga ngokufanelekileyo nyanga nganye, utsho uYellen.

Tshisa Ityala

Unxunguphalo lwamatyala alunakuphepheka. Ihlala ikhona, kungakhathaliseki ukuba ungayihoyi kangakanani, ikutya wena-kunye nenkululeko yakho yezemali.Awunakuze ube phezulu kwiimali zakho ngaphandle kokuba uphume ebomvu kwaye ungene kumnyama. Ngoko ke, susa ityala lakho ngokuqala ukuhlawula ngaphezu kobuncinci kwiintlawulo zekhadi lakho letyala. Ngokunyusa nje ukuhlawulwa ngenyanga kwe- $ 37 ukuya kwi-47 ngenyanga ngenyanga kwi-1,500 yeedola, unokonga ngaphezulu kwe- $ 1,200 kwintlawulo yenzala kwaye uhlawule ityala lakho phantse iminyaka eli-10 kungekudala.

Qinisa uhlahlo-lwabiwo mali

Akusayi kuphinda kusetyenziswe imali ngokuzithandela. Landela umkhondo wenkcitho yakho kwaye usete uhlahlo lwabiwo-mali oluyinyani ngokulula ngeakhawunti kwiMint.com. Kwakhona, seta inkuthazo kunye neziphumo zokuchitha kunye nokugcina imali yakho. Ukusetha injongo yokonga kwi-GoalPay.com kunokukunceda ugcine uxanduva lokuphendula, kuba abahlobo bakho kunye nosapho banokwenza isithembiso semali oza kuyifumana ukuba ufikelela usukelo lwakho.

Ngaba unobunzima bokuphila ngokwamandla akho? Jonga zonke iindleko kwaye ucinge indlela yokuyisika-ukuzisa isidlo sasemini emsebenzini endaweni yokusithenga, khetha i-drugstore lip gloss endaweni yeebrendi zesebe, kwaye uhlukane nomkhwa wakho we-Starbucks. (Jonga iSave vs Splurge: Iimpahla zokuzilolonga kunye neGear ukuze ubone ukuba yintoni efanelekileyo kwiimali ezinkulu.) Kwaye uYeller ucebisa ukuba unokuhlala unika ingxelo ngokuzisa abantu emkhombeni kunye nawe. "Yiba nentlanganiso yenyanga yemali yosapho ngosuku olufanayo nyanga nganye, okanye ukhethe umhlobo okanye ilungu losapho owabelana ngalo ngeenjongo zakho kwaye uzibophelele ekuchazeni inkqubela yakho kubo," utshilo.

Chaza imali oyongileyo yomhlalaphantsi

Manenekazi, lixesha eliphezulu lokuba niqwalasele kwakhona isicwangciso somhlala-phantsi. Sebenzisa ikhaltyhuleyitha yomhlala phantsi, efana nale kwiBankrate.com, ukumisela ukuba usendleleni yokufumana ixesha elaneleyo lokuthatha umhlala-phantsi. Khangela kunye nomcebisi wezezimali wesicwangciso sakho ukuze uqiniseke ukuba ulwabiwo lwe-asethi yakho (indlela imali yakho etyalwe ngayo) ifanelekile kwiinjongo zakho. Qiniseka ukuba ujonga ubume bemirhumo ye-401 (k) yakho. Zininzi iimali ezifihliweyo, kwaye ufuna ukuqiniseka ukuba uyazi ukuba isicwangciso sakho sisebenzela njani iimfuno zakho, utshilo u-Yellen.

Sebenzisa iWallet yakho

"Yenza ukuzibophelela ekucingeni ngaphambi kokuchitha," utsho uYellen. "Funda umahluko phakathi kwemfuno kunye nemfuno ukuze ungaqhubeki namatyala okuthenga izinto ezingazisiyo iimfuno zakho zokwenyani." Esikhundleni sokugxila ekuchitheni imali, gxila ekulondolozeni-ukuba uqala ukukhupha iipesenti ezili-10 kwi-paycheck nganye ukuze ujabulele izinto ezimnandi ezifana nesidlo sakusihlwa okanye isambatho esitsha, uhlahlo lwabiwo-mali lwakho luya kube sele lulungiselelwe ezi ndleko kwaye awuyi kudala entsha. ityala. Kwaye oko kuxabisa ubunzima begolide.

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