Lafiyarku Lafiyar Ku
A farkon wannan shekarar na ga an Labari daga CNBC yana nuna cewa 60% na Amurkawa za a tura su cikin bashi ta hanyar gaggawa na $ 1,000. Wannan lamari yana da matukar ban tsoro ga kasarmu baki daya kuma yana iya yin taka-tsan-tsan ga tattalin arzikinmu yayin durkushewar tattalin arziki na gaba.
A matsayina na tsohon dalibi a harkar kuɗaɗe, harkar kuɗi da tattalin arziƙi sun kasance masu sona tun da na bar fagen aiki da kasuwanci. Na yi tunani wannan zai iya zama kyakkyawar dama in yi musayar ra'ayi guda biyu da na yi imanin na iya yin babban bambanci a matakin mutum kuma ku ƙima da ƙuruciya.
- Ofarfin halayen yau da kullun
- Ofarfin Bishirin Sha'awa
Ofarfin halayen yau da kullun
Wata oza na rigakafin ya isa laban magani - Ben Franklin
Kama da mutum da ke son fara sabon abinci ko tsarin motsa jiki, ba za a ga sakamakon da ake yi cikin dare ba, amma idan an yi shi da tsari, sakamakon zai iya zama na ban mamaki a kan lokaci. Kiwon lafiya yana bin tsarin makamancin wannan zuwa nasara.
Thisauki wannan misalin na adana $ 10 kowace rana. Wannan $ 10 zai ƙara har zuwa $ 3,650 a kowace shekara. Idan an tsare shi na tsawon shekaru biyar, zai zama $ 18,250 kafin kowane tasiri na ribar da za'a iya samu akan wannan ajiyar.
Kasancewa mai tanadi mai sauki ba mai sauki ba kuma yana buƙatar cinikin ciniki mai tsauri da yanke hukunci da jin daɗin jin daɗi, manufar sanya wani abu mai sauƙi ko jin daɗi yanzu, don samun abin da yafi jin daɗi daga baya. Koyaya, idan kun sami damar farawa da wasu ƙananan canje-canje masu sauƙi kuma ku gina asusun ajiyar ajiyar gaggawa ko kuma ku ci moriyar wasan wasan na 401k tare da maigidanku, da gaske kuna samun kuɗi sama da $ 1 ga kowane dala da aka adana.
Ofarfin Bishirin Sha'awa
Haɗin kai shine ban mamaki na takwas a duniya. Wadanda suka fahimce shi, suka same shi; wadanda ba su biya ba - Albert Einstein
Dangane da lafiyar kuɗi, farawa da tanadi tun da wuri yana da mahimmancin tasiri na dogon lokaci kuma saboda ƙarfin tarin dukiya ne. Auki wannan jadawalin da Vanguard ta bayar wanda ke nuna ikon adanawa da saka hannun jari $ 1 a cikin shekaru daban-daban dangane da dawowar 4% na shekara-shekara.
Dollaraya daga cikin dala ɗaya ya saka hannun jarin 20, wanda aka saka a 4% na shekarun 45 zai zama kusan $ 6! Ko kuma $ 3,650 da aka sami ceto daga misalin farko, idan yana da shekaru 25 zai girma ya zama darajar $ 17,520 a wannan misalin. Adana a hade tare da saka hannun jari don haɓaka lokaci lokaci kamar yadda Einstein ya faɗi, abin mamaki na takwas na duniya.
Idan muka ɗauki bashi don sayayya, muna fada cikin wannan halin, amma a juyawa. Wannan ba za a ce cewa duk bashi da kyau ba ne, kodayake yana da mahimmanci a fahimci ƙimar bashin da ake cajinmu da tsawon lokacin rance don samun cikakkiyar fahimtar cikakkiyar kuɗin da muke siyan gidan, mota ko amfani da katin kuɗi don sayayya.
A Rufewa:
Wadannan ra'ayoyin da yawancinku tabbas kuke san su kuma kamar halayen kiwon lafiya, masu sauki a cikin ka'ida kuma mafi wuya a aikace. Koyaya Ina fatan cewa kun sami wata ma'ana a cikin waɗannan manufofin kuma kuna fatan ku mafi kyau a cikin ƙoƙarin ku na lafiyar lafiyar ku na dogon lokaci.