Umxholo
- 1. Xoxa ngeenjongo zakho zemali kunye neenqobo ezisemgangathweni
- Nciphisa okanye, ukuba kunokwenzeka, phelisa amatyala
- 3. Yenza izigqibo ngobulumko zotyalo-mali
- 4. Qala ingxowa-mali yonxunguphalo ngoku
- 5. Qinisekisa ikamva losapho lwakho
- 6. Cwangcisa umhlalaphantsi wakho
- 7. Dabble kucwangciso lwezindlu kwangethuba
Bathi, "Imali ayinakukuthenga, uthando ..."
Kodwa ngokuqinisekileyo inokulukrazula ulwalamano lwakho.
Izibini ezininzi ziqala umtshato wazo njengephupha, kuphela ukuba zihaunted kwaye zaphulwe ziintsizi zemali ekugqibeleni.
Yinyaniso erhabaxa nebuhlungu, kodwa ukuphathwa gwenxa kwemali okanye utshintsho lwezezimali emva komtshato kunokubangela ungquzulwano kubudlelwane bakho.
Umbutho waseAmerican Psychological Association (APA) uxele ukuba phantse isithathu sabantu abadala abanamaqabane bakhankanya imali njengoyena nobangela wengxaki kubudlelwane babo.
Yamkele okanye hayi, uzinzo kwezemali yinto ebaluleke kakhulu kumtshato omde nowonwabisayo, yiyo loo nto izibini kufuneka zisebenzisane ekucwangciseni nasekuqinisekiseni ikamva labo lezemali.
Ukusuka kwintetho yemali ukuya ekucwangcisweni kwezindlu, nantsi imali kunye neengcebiso zomtshato zokukunceda ukuba uqalise ngocwangciso lwezezimali kwizibini ezitshatileyo:
1. Xoxa ngeenjongo zakho zemali kunye neenqobo ezisemgangathweni
Ukuthetha ngemali kunye nokutshata nabanye abantu kunokungonwabi, nokuba "abanye abantu" liqabane lakho.
Ngelixa nobabini ninemali efanayo kunye neenjongo zomtshato- ukuthenga indlu, ukugcina umhlala phantsi, okanye ingxowa mali yabantwana bakho yasekholejini, unokuba nemibono eyahlukileyo malunga nendlela yokufikelela kwiinjongo zakho ekwabelwana ngazo.
Kwakhona, ngenxa nje yokuba sibini akuthethi ukuba awusenazo iinjongo zomntu ngamnye kwakhona.
Oku kunye nexabiso lakho / indlela ohluke ngayo kwimicimbi yezemali zezona zizathu ziphambili zokuba kutheni kufuneka uthethe rhoqo ngemali ukuze womeleze ubudlelwane bakho kwaye wazi apho umi khona ngokwezemali.
Ukushiya izinto ungazichazanga kunokubangela ingxaki kunye nokungaqondani kamva.
Nciphisa okanye, ukuba kunokwenzeka, phelisa amatyala
Ukuphelisa amatyala yeyona ndlela ikhawulezayo yokufumana imali. Kodwa ngubani ongenatyala nantoni kule mihla, akunjalo?
Okwangoku, njengenxalenye yesicwangciso sezemali sesibini sakho, wena neqabane lakho kufuneka nizame ukunciphisa amatyala enu kangangoko ninakho- ukuqala ngetyala lakho lekhadi letyala.
Ukuba unganako, uhlawule amakhadi akho etyala inyanga nenyanga, hayi nje ubuncinci, ukuthoba inzala.
Ukuhlawulwa kwetyala kwangexesha kunye nokuhlawulwa kwetyala kunempembelelo enkulu kumanqaku akho etyala kwaye, ngenxa yoko, impilo-ntle yakho yezemali.
3. Yenza izigqibo ngobulumko zotyalo-mali
Njengokuhenda njengokuthatha amathuba otyalo mali abonakala ngathi anengeniso ngoko nangoko, kuya kufuneka ufunde ukubamba amahashe akho kwaye wenze uphando kuqala.
Elinye icebo lezemali kwizibini ezitshatileyo kukugcina engqondweni xa kufikwa kutyalomali kukuba kuhlala kungcono ukucinga ixesha elide kunye nokugcina iphothifoliyo elungeleleneyo kunokulandela iindlela zamva nje.
Musa ukubeka onke amaqanda akho kwibhasikidi enye.
Ukwabiwa kweeasethi zakho kunokunyusa izinga lokubuya kwakho. Umcebisi onamava unokukunceda ekukhetheni indibaniselwano efanelekileyo yeeasethi ukukunceda ufezekise iinjongo zakho zemali.
4. Qala ingxowa-mali yonxunguphalo ngoku
Ubomi bunendlela yokuphosa iibhola ezijikajikayo xa ungazilindelanga, yiyo loo nto wena neqabane lakho nidinga incwadi yomsebenzi yezemali ngayo nayiphi na imeko engxamisekileyo yezemali engaphambili.
Omnye wenu usenokungaphangeli ngequbuliso, okanye umntwana wakho ufuna unyango kwangoko.
Nokuba yintoni, ukuba nengxowa-mali engxamisekileyo kuya kukugcina ungabikho kwityala elongezelelekileyo xa kuvela into engalindelekanga kwaye ikwenza uxinzelelo kwimali yakho.
Ngokufanelekileyo, ingxowa-mali yakho engxamisekileyo kufuneka yanele ukuhlawula iindleko zokuphila kosapho kwiinyanga ezintathu ukuya kwezintandathu. Gcina imali kwiakhawunti eyahlukileyo ukunqanda ukuyisebenzisela ezinye iinjongo ngaphandle kongxamiseko.
5. Qinisekisa ikamva losapho lwakho
Kuthekani ukuba kwenzeka into kuwe? Ngaba intsapho yakho iya kukhuseleka ngokwezimali?
Xa kuziwa ekukhuseleni ikamva losapho lwakho, akukho nto idlula ukuba ne-inshurensi elungileyo nefanelekileyo.
Imigaqo-nkqubo yeinshurensi inokubonelela wena nosapho lwakho ngomnatha wokhuseleko lwezezimali ukuze nisinde kabuhlungu okanye kwizinto ezingalindelekanga zobomi.
Unokufuna ukuqwalasela umgaqo-nkqubo we-ambrela ngaphezulu kwe-inshurensi yobomi obuqhelekileyo okanye i-inshurensi yokukhubazeka yokukhuselwa.
Khumbula, nangona kunjalo, ukuba ukhuseleko lwakho lweinshurensi lunokutshintsha ekuhambeni kwexesha. Iphonononge nomcebisi rhoqo kwiminyaka emihlanu ukuya kwelishumi okanye nanini na xa kwenzeka isiganeko esibalulekileyo ebomini.
6. Cwangcisa umhlalaphantsi wakho
Kulula ukulibala ngomhlala phantsi kuba kubonakala kukude kakhulu. Kodwa ukuba awufuni kuqhubeka usebenza de ube uneminyaka engama-70 ngenxa yokuba ungakhange ugcine imali eyaneleyo, kungcono uqale ngokucwangcisa imali kwizibini zomhlala phantsi xa umncinci.
Ngokutsho kweengcali, kufuneka okungenani yabela i15% yomvuzo wakho kumhlala phantsi.
Wena kunye neqabane lakho ninokugcina imali kwiakhawunti ezimeleyo yomhlala phantsi (IRA) okanye nenze igalelo kwi-401 (k) exhaswa ngumqeshwa wakho.
I-401 (k) ihlala ibheja yakho ibalaseleyo ukuba iyafumaneka kuwe. Abaqeshi bakho baya kulilinganisa igalelo lakho ukuya kwipesenti ethile, nto leyo ethetha imali engakumbi yomhlala-phantsi wakho!
Bukela le vidiyo ilandelayo apho isibini esitshatileyo sichaza ukuba bakwazi njani ukudibanisa iimali zabo.
7. Dabble kucwangciso lwezindlu kwangethuba
Kufuneka ube nomyolelo, nokuba unabantwana okanye akunjalo. Uyabona, ukuba usweleka ungenawo umyolelo, inkundla iya kuthatha isigqibo sokuba yahluleke njani iiasethi zakho kwaye ingazabela ngokuchasene neminqweno yakho okanye iminqweno yamalungu osapho lwakho.
Akunyanzelekanga ukuba ube sisityebi ngokungaqhelekanga okanye uqokelele imali eninzi ukuqala isicwangciso sendlu.
Izixhobo zocwangciso lwezindlu ezinjengomyolelo wokuphila, iitrasti, kunye neinshurensi yobomi iya kulukhusela usapho lwakho kunye nezinto zakho xa ungasenako.
Kukho, nangona kunjalo, zininzi izinto ekufuneka ziqwalaselwe xa kusenziwa umyolelo okanye isicwangciso selifa. Ke, kukulungele ukufumana ingcebiso yomthetho kunye neyerhafu, ngakumbi kummeli onamava wokucwangciswa kwezindlu.
Ukucwangciswa kwezindlu yinkqubo eqhubekayo ekufuneka ihlaziyiwe ukubonisa naluphi na utshintsho kwimali nakwimitshato yakho.
Ukuqala kwenkqubo kwangoko emtshatweni wakho kunokukunika kunye neqabane lakho ukhuseleko noxolo lwengqondo oludingayo kubudlelwane obonwabisayo.