Ngaba ufuna ixesha elininzi, uthando kunye namandla?

Umxholo

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Ngubani ongakuthandiyo ukuhambahamba ngeCostco okanye iklabhu kaSam ebabaza iinqaba ezinkulu? Ngangoko sinika iipati zethu, uninzi lwethu aluyeki ukuqinisekisa ukuba oovimba bethu bangaphakathi bagciniwe kwaye balungele amaxesha anzima. Ukucwangcisa kuphela ixesha olifunayo okanye ukugcina imali eyoneleyo kunokushiya unexhala.

"Kodwa xa uzikhathalele kwaye wenza oovimba ebomini bakho," utshilo uBeth Rothenberg, umqeqeshi wobomi eLos Angeles, uvakalelo lwentlalo-ntle "lukugcwalisa ngamandla kunokuba ucinga." Yiyo loo nto size nezinto ezine onokuthi uzenze ngoku ukulungisa ubomi bakho ngexesha elaneleyo, uthando, imali kunye namandla okumelana nayo nantoni na eza kuwe. (Cinga nje ngeCostco yomphefumlo wakho!)

1. Zinike ixesha lakho

Vimba imizuzu engama-30 ngosuku ngalunye. Ngokwenyani ukucwangcisela isiqingatha seyure sexesha lokuzibophelela kwikhalenda yakho kunokubonakala ngathi kukuzonwabisa, kodwa lixesha eligciniweyo onokuthi ulisebenzise nangayiphi na indlela onqwenela ngayo, nokuba kungxamiseka ngokungalindelekanga- njengokujongana nengxaki engalindelekanga emsebenzini- okanye ukuphinda usebenze ngokutsha ngokuthatha uhambo olunika amandla. Isiphumo: uvakalelo lolawulo- kunye noxinzelelo oluncinci- ngaphezulu kweshedyuli yakho yemihla ngemihla.

2. Layisha uthando

Abahlobo bakho kunye neqabane lakho kufuneka babekho xa ubadinga, akunjalo? Kanjalo. Kodwa awungekhe uzifake nje xa sele zilungele ukusetyenziswa. Ubuhlobo kufuneka bukhuliswe njengabo nabuphi na ubudlelwane, utshilo uRothenberg. Thatha ixesha ngeveki yokwabelana nomntu omthandayo: Phendula kwi-imeyile yomhlobo wakho (nokuba imfutshane), kwaye ukhale enye ebalulekileyo kanye ngemini ukubulisa. Ezi zenzo zincinci zikunika inkxaso yemihla ngemihla, kwaye ubuhlobo obusebenzayo bukugcina usempilweni, uzolile kwaye wonwabile.

3. Sock away extra money

Awunakho ukuqikelela xa uza kuhlawula imeko yamazinyo engxamisekileyo, itikiti lokubaleka okanye isipho somtshato. Ke ukuba nomqamelo wemali- kunokuba uphile kumvuzo wentlawulo - kukuvumela ukuba ugqume ngezinto ezothusayo kwaye ulale ngcono ebusuku. Inyathelo lokuqala: Sebenzisa nantoni na oyenzileyo ukuba uhlawule amakhadi akho etyala; iipesenti eziphezulu zonyaka zerhafu wenzala oyifumanayo kwiakhawunti yebhanki. Emva koko qala ukongela ikamva lakho: Hlawula ubuninzi kwinkampani yakho engama-401 (k), kwaye utyale imali onokukwazi ukuyenza kwingxowa-mali yesalathiso sentengiso.

"Zigqwesa ezinye iimali kunye kwaye zibiza imali encinci," utshilo uDayana Yochim, umvelisi omkhulu wezemali kwiMotley Fool, indawo yemfundo yezemali. "I-Vanguard yinkampani elungileyo ukuqala ngayo, kwaye ezinye iinkampani zikuvumela ukuba ukhuphe imali ngokuzenzekelayo kwi-paycheck yakho, i-100 yeedola ngenyanga." Awuyi kuqaphela ukuba imali ihambile-de uqonde ukuba une-G ebhankini. Ngolwazi oluthe kratya, jonga i-blue.com kunye ne-anguardard.com.

4. Khulisa iivenkile zakho zamandla

Ukunyusa amandla akho, chitha izinto ekubuyiseleni amandla. "Ndikubiza ngokuba kukuzinyamekela okugqithisileyo," utshilo uRothenberg. Yenza "uluhlu lweedessert" lwezinto ezili-15 ongafane uzenze - funda inoveli enenkunkuma, utye isidlo sasemini ngaphandle okanye ulungiselele iintyatyambo. Yenza into enye ngosuku ngalunye. Kwaye zama ukunciphisa inani lemisebenzi ekukruqulayo. "Ukuba kukho into echitha amandla akho ngenene, jonga ukuba ikhona na indlela onokwabelana ngayo ngoxanduva ngokuhlawula umntu okanye umthumile," utshilo uRothenberg. "Ukuba akunjalo, yenze kwaye uyeke ukuzikhathaza ngayo."

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