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E aʻo hou maʻaneʻi

Waiwai kālā

By ʻO Phil R

ʻO kekahi o nā mea a ka hapa nui o mākou (ka hapa nui o mākou) e makemake ai no ko mākou ola a me ko mākou ʻohana, ʻo ia ka maikaʻi kālā a i ʻole ka palekana kālā. ʻO kēlā me kēia manaʻo iā mākou pākahi; ʻokoʻa nā pono a me nā wehewehe ʻana iā mākou a pau.

Ma ka manaʻo nui loa, ua wehewehe ʻia ka maikaʻi kālā e like me ka loaʻa ʻana o nā kālā kūpono e uku ai i kāu mau pili, e uku a ʻoi aku paha ka maikaʻi, ʻaʻohe aie, loaʻa kālā i hoʻokaʻawale ʻia no nā pilikia pilikia, a hiki ke hoʻolālā a hoʻokaʻawale i nā kālā. no ka wā e hiki mai ana. Loaʻa nā koho e pili ana i kēia manawa a me ka wā e hiki mai ana i ke kālā.

ʻEhā mau kumu kumu o ka pono kālā, a inā ʻoe e hahai iā lākou, aia paha ʻoe ma ke ala maikaʻi:

  1. Bedroom - Loaʻa i kahi hoʻolālā, e ʻimi i kāu hana e kūʻē i kēlā hoʻolālā, a pili i ka hoʻolālā. E hoʻololi i ka hoʻolālā ke hoʻololi ʻia nā kūlana. E noʻonoʻo i kāu hoʻolālā!
  2. E mālama i kāu mau aie – Inā ʻaʻole hiki iā ʻoe ke pale i ka ʻaiʻē, ʻoiai ʻaʻole hiki i ka hapa nui o mākou ma kekahi pae, e hoʻomaopopo pono ʻoe i kāu ʻaiʻē, e hoʻomaopopo i ke kumu o ka ʻaiʻē iā ʻoe, a ʻaʻole e poina i kahi uku. ʻOiai ʻo ka wahi maikaʻi loa he ʻaiʻē ʻole, ʻo ka hapa nui o mākou he ʻaiʻē (moraki, kaʻa, kulanui, kāleka hōʻaiʻē).
  3. Loaʻa i nā waihona a me nā hoʻopukapuka - No ka hana ʻana i kēia, pono ʻoe e hoʻolilo i ka liʻiliʻi ma mua o kāu loaʻa, a laila hiki iā ʻoe ke kūkulu i nā waihona kālā a hana i nā hoʻopukapuka. ʻO nā kumu mua ʻelua e kōkua iā ʻoe e hiki i kēia.
  4. Loaʻa ka ʻinikua - Hoʻolimalima ke kālā i ke kālā, ʻae, ʻaʻole hiki iā ʻoe ke hoʻohana, akā pono ia e kiaʻi i nā poho nui a me ka manaʻo ʻole.

He mea maʻalahi nā mea a pau, pololei!?! Akā ʻike mākou a pau ʻaʻole ia. He nuanced a hoʻopiʻi mau ʻia e nā ʻoiaʻiʻo o ke ola o kēlā me kēia lā.

No ka hele ʻana i ka olakino, pono ʻoe e loaʻa ka ʻike kālā. Heluhelu = hoʻomaopopo.

He paʻakikī loa ka honua kālā, huikau, a paʻakikī. Hiki iā ʻoe ke loaʻa i ke kēkelē laepua, nā kēkelē puka, nā kauka, a me nā palapala hōʻoia a me nā leka e ka ukana ma hope o kou inoa. Maikaʻi kēlā a mahalo wau iā ʻoe inā hiki iā ʻoe (inā loaʻa iā ʻoe ka manawa, manawa kūpono, makemake, a me nā kumuwaiwai). Akā he nui nā mea hiki iā ʻoe ke hana iā ʻoe iho, manuahi a i ʻole ma ke kumu kūʻai haʻahaʻa ma o ka hoʻohana ʻana i nā kumuwaiwai i paʻi ʻia. E aʻo i nā kumu a me ka ʻōlelo a me nā huaʻōlelo, a ʻo ka ʻike wale ʻana i kēlā mau kumu hiki ke hoʻololi nui i kou ola. Hiki i kāu mea hana ke loaʻa nā kumuwaiwai ma o kāna mau makana kōkua limahana, papahana kōkua limahana, a i ʻole 401 (k) a me nā hoʻolālā like. Aia ka ʻike ma waho a e uku ʻia kahi noiʻi a me ka noiʻi ʻana (ʻaʻole i manaʻo ʻia). Pono ka hooikaika ana.

E hele paʻakikī inā makemake ʻoe a loaʻa ka manawa a me nā kumuwaiwai, akā ma ka liʻiliʻi loa, paipai wau iā ʻoe e aʻo i nā kumu kumu! E aʻo i nā huaʻōlelo, nā pilikia nui loa, a me nā hewa, a aʻo pehea e kūkulu mālie a hoʻomanawanui a loaʻa kahi ʻike lōʻihi i kahi āu e makemake ai.

Ua ʻōlelo wau he nui ka ʻike ma waho. Maikaʻi kēlā A ʻo ia kekahi pilikia. Aia kahi moana o ka ʻōlelo aʻo kālā ma waho. A he pūʻali koa a poʻe ʻoi aku ka makemake e lawe i kāu kālā. He aha ka pono, he aha ka hewa. Hoʻopili maoli ia i ke kūlana o kēlā me kēia kanaka. Heluhelu nui, aʻo

Nā huaʻōlelo – ʻōlelo hou au: e aʻo i ka ʻōlelo, e aʻo mai nā kūleʻa a me nā hewa o nā mea ʻē aʻe. Eia kekahi, e kamaʻilio me nā hoaaloha a me ka ʻohana. A laila hiki iā ʻoe ke loiloi, he aha ka mea kūpono loa iā ʻoe i kāu kūlana pilikino.

Ma mua o ka kākau ʻana i kahi pou blog e aʻo iā ʻoe i kēia mau mea āpau, ʻaʻole wau e hana hou i ka huila. E paipai wau iā ʻoe e hoʻohana i nā kumuwaiwai i loaʻa. ʻAe, ke kākau nei au i kahi moʻomanaʻo moʻomanaʻo kahi aʻu e paipai ai e heluhelu ʻoe i nā blog ʻē aʻe! ʻO nā mea a pau āu e hana ai, ʻo ka hele ʻana i ka ʻōlelo aʻoaʻo, i ʻike ʻia ʻo Google, a ʻimi i nā blog kālā, a voila, kahi waiwai o nā manawa aʻo!

He ʻeiwa mau moʻomanaʻo aʻu i ʻike ai i loko o nā minuke he mau laʻana o nā mea i loaʻa. Me he mea lā ua hoʻomaopopo lākou i nā kumu a kamaʻilio mai iā mākou ma ke ʻano he poʻe maʻamau a ʻaʻole CPA a me PhDs, nā mea o mākou e hele nei i kēlā me kēia lā. ʻAʻole au e hōʻoiaʻiʻo i ka ʻike o kēia mau mea. Ke paipai wale nei au iā lākou ma ke ʻano he kumu ʻike e hiki ai iā ʻoe ke heluhelu, aʻo, a loiloi. Heluhelu me kahi lens koʻikoʻi. E nānā i nā mea ʻē aʻe i puka mai i kāu hulina. Makemake au e lohe e pili ana i kāu mau ʻike i kāu hana ʻana pēlā!

  1. E waiwai mālie: getrichslowly.org
  2. Moustache kālā: mrmoneymustache.com
  3. ʻO ke kālā Smart Latina: moneysmartlatina.com/blog
  4. E nā kāne ʻaiʻē: debtfreeguys.com
  5. waiwai a mau: richandregular.com
  6. Hoʻolālā kālā: inspiredbudget.com
  7. ʻO nā Fioneers: thefioneers.com
  8. Waiwai kaikamahine akamai: clevergirlfinance.com
  9. ʻO ke koa hoʻopakele: bravesaver.com

I ka pau ʻana, e ʻae mai iaʻu e hana ʻoe i ʻekolu mau mea kūpono e hoʻomaka ana i kēia manawa e kōkua iā ʻoe e hoʻomaka i kāu huakaʻi:

  1. E kākau i nā mea a pau. E mālama i kahi e hele ai kāu kālā i kēlā me kēia lā. Mai kāu moraki a hoʻolimalima paha, i kou makemake E nānā i nā ʻāpana: ʻinikua, meaʻai, mea inu, ʻai i waho, lāʻau lapaʻau, kula, mālama keiki, leʻaleʻa. ʻO ka ʻike ʻana i kāu mea e hoʻolilo ai a me kahi āu e hoʻolilo ai he mālamalama. ʻO ka hoʻomaopopo ʻana i kahi āu e hoʻolilo ai i kāu kālā e kōkua iā ʻoe e hoʻomaopopo i ka mea i koi ʻia a hiki ʻole ke pale ʻia, i ka mea e pono ai, i ka mea pono. Inā pono ʻoe e mālama a ʻoki i nā kumukūʻai, e hāʻawi kēia i ka ʻikepili kahi e hana ai i nā hoʻoholo maikaʻi loa. ʻO kēia kāu e hoʻolālā ai i kāu kālā a hoʻolālā.
  2. Inā ma ka hopena o ka mahina, ua loaʻa iā ʻoe ke kālā ʻoi aku ma mua o kāu i hoʻolilo ai, e hoʻolilo i kēlā keu. ʻO kēlā me kēia nui, he $25 ka mea nui. Ma ka liʻiliʻi loa e hoʻoneʻe iā ia i kahi waihona mālama. Ma hope o ka manawa a me ke aʻo ʻana, hiki iā ʻoe ke hoʻomohala i kahi hoʻolālā hoʻopukapuka ʻoi aku ka maʻalahi e hiki ke hele mai ka pilikia haʻahaʻa a i ke kiʻekiʻe. Akā ma ka liʻiliʻi loa, e hoʻoneʻe i kēlā mau kālā a me nā keneta i kahi waihona mālama kālā a mālama i ka nui o kāu i loko.
  3. Inā hāʻawi kāu mea hana i kahi koho mālama kālā ma mua o ka ʻauhau e like me 401 (k), e komo. Inā hāʻawi kāu mea hana i kahi mea e like me kēia a hāʻawi i kahi pāʻani no kāu hoʻopukapuka kālā, e hoʻolilo i ka nui e like me kāu e hiki ai ke hoʻohana pono i ka pāʻani - he kanaka kālā FREE !!! ʻOiai ke kūkulu nei ʻo ia i nā waihona no ʻoe, ke hōʻemi nei nō hoʻi ia i kāu kaumaha ʻauhau - ʻelua no ka mea hoʻokahi, a ke haʻahaʻa mau nei au no kēlā. ʻO kēlā me kēia hihia, e komo. E ulu ana ia i ka manawa a i ka manawa e kahaha ai ʻoe i ka nui o kahi mea liʻiliʻi.

Makemake wau iā ʻoe i ka maikaʻi a me ka pōmaikaʻi i kāu huakaʻi. Ma muli o kāu ʻike kālā i kēia manawa, e hoʻomaka ma laila, a kūkulu a ulu. ʻAʻole pono ke ʻano nui, akā helu ʻia kēlā me kēia kālā (penny)!