Kulemba Zachuma

Chimodzi mwazinthu zomwe ambiri aife (ambiri aife) timafunira miyoyo yathu ndi mabanja athu ndikukhala bwino pazachuma kapena chitetezo chandalama. Zirizonse zomwe izo zikutanthawuza kwa aliyense wa ife payekha; tonse tili ndi zosowa ndi matanthauzo osiyanasiyana.

M'lingaliro lenileni, kukhala ndi thanzi labwino kumatanthawuza kukhala ndi ndalama zokwanira zolipirira ngongole, kulipira kapena kupitilira apo, kukhala wopanda ngongole, kukhala ndi ndalama zoikira padera pakachitika ngozi, komanso kutha kukonzekera ndikuyika ndalama pambali. zamtsogolo. Kukhala ndi zosankha pazachuma komanso zam'tsogolo.

Pali mfundo zinayi zofunika pazachuma, ndipo ngati mutazitsatira, mutha kukhala panjira yabwino:

1. bajeti - Khalani ndi dongosolo, fufuzani momwe mukuchitira motsutsana ndi dongosololo, ndipo tsatirani dongosololo. Sinthani dongosolo pamene zinthu zikusintha. Samalani dongosolo lanu!
2. Konzani ngongole zanu – Ngati simungathe kupeŵa ngongole, monga ambiri aife sitingathe pamlingo wina, onetsetsani kuti mukumvetsa ngongole yanu, kumvetsetsa zomwe ngongoleyo ikuwonongerani, ndipo musaphonye malipiro. Ngakhale malo abwino kukhala ndi ngongole ziro, ambiri aife tili ndi ngongole (ngongole, magalimoto, koleji, makhadi angongole).
3. Khalani ndi ndalama ndi ndalama - Kuti muchite izi, muyenera kugwiritsa ntchito ndalama zochepa kuposa zomwe mumapeza, ndiye kuti mutha kusunga ndalama ndikupanga ndalama. Mfundo ziwiri zoyambirira zidzakuthandizani kufika pa mfundo iyi.
4. Khalani ndi inshuwaransi - Inshuwaransi imawononga ndalama, inde imatero, ndipo simungaigwiritse ntchito konse, koma m'pofunika kuteteza kutayika kwakukulu ndi kosayembekezereka.Zotayika zomwe zingakuwonongeni ndalama.

Zonse zikumveka zosavuta, chabwino!?! Koma tonse tikudziwa kuti sichoncho. Zimakhala zosavuta ndipo zimatsutsidwa nthawi zonse ndi zenizeni za tsiku ndi tsiku.

Kuti mukhale ndi thanzi labwino, muyenera kukhala ndi maphunziro azachuma. Kuwerenga = kumvetsa.

Dziko lazachuma ndi lovuta kwambiri, losokoneza, komanso lovuta. Mutha kupeza digiri yoyamba, madigiri omaliza maphunziro, ma doctorates, ndi ziphaso ndi zilembo ndi boti lomwe lili kumbuyo kwa dzina lanu. Ndizo zonse zabwino ndipo ndikuyamikani ngati mungathe (ngati muli ndi nthawi, mwayi, chikhumbo, ndi zothandizira). Koma pali zambiri zomwe mungathe kuchita nokha, zaulere kapena zotsika mtengo pogwiritsa ntchito zida zomwe zasindikizidwa kale. Phunzirani zoyambira ndi chilankhulo ndi mawu, ndipo kungodziwa zoyambira kungapangitse kusintha kwakukulu m'moyo wanu. Olemba ntchito anu angakhalenso ndi zothandizira zomwe zingapezeke kudzera muzopereka zothandizira antchito, pulogalamu yothandizira antchito, kapena 401 (k) ndi mapulani. Pali zambiri kunja uko ndipo kufufuza pang'ono ndi kuphunzira kudzapindula (palibe pun yomwe ikufuna). M’poyenera kuyesetsa.

Pitani zovuta ngati mukufuna ndi kukhala ndi nthawi ndi chuma, koma osachepera, ine kwambiri amalangiza kuti osachepera kuphunzira zoyambira! Phunzirani mawu, zoopsa zazikulu, ndi zolakwika, ndipo phunzirani kumanga pang'onopang'ono ndikukhala oleza mtima ndikukhala ndi masomphenya a nthawi yaitali a komwe mukufuna kukhala.

Ndanena kuti pali zambiri zambiri kunja uko. Izi nzabwino NDIPO ndi vuto lina. Pali nyanja ya upangiri wazachuma kunja uko. Ndipo gulu lankhondo kapena anthu ofunitsitsa kutenga ndalama zanu. Cholondola ndi chiyani, cholakwika. Zimatengeradi mkhalidwe wa munthu aliyense payekha. Werengani zambiri, phunzirani

Mawuwo - ndibwerezanso: phunzirani chinenerocho, phunzirani ku kupambana kwa ena ndi zolakwika. Komanso, lankhulani ndi anzanu ndi achibale. Ndiye mutha kuwunika, zomwe zimakupangitsani kukhala omveka bwino pamikhalidwe yanu.

M'malo molemba positi ya blog yomwe imakuphunzitsani zinthu zonsezi, sindidzayambitsanso gudumu. Ndikulimbikitsani kugwiritsa ntchito zinthu zomwe zilipo kale. Inde, ndikulemba positi pomwe ndikupangira kuti muwerenge mabulogu ena! Zomwe muyenera kuchita ndikupita ku oracle, yomwe imadziwikanso kuti Google, ndikusaka mabulogu azachuma, ndi voila, mipata yambiri yophunzirira!

Zotsatirazi ndi mabulogu asanu ndi anayi omwe ndawapeza mumphindi zochepa zomwe ndi zitsanzo za zomwe zilipo. Amawoneka kuti amvetsetsa zofunikira ndikulankhula kwa ife monga anthu wamba osati ma CPA ndi ma PhD, omwe a ife timadutsa m'moyo watsiku ndi tsiku. Sindikutsimikizira zomwe zili pa izi. Ndikungowalimbikitsa ngati gwero lachidziwitso komwe mungawerenge, kuphunzira, ndikuwunika. Werengani ndi lens yovuta. Onani ena omwe abwera mukufufuza kwanu. Ndikufuna kumva za zomwe mukukumana nazo mukamatero!

1. Lemeretsani Pang'onopang'ono: getrichslowly.org
2. Masharubu a Ndalama: mrmoneymustache.com
3. Money Smart Latina: moneysmartlatina.com/blog
4. Anyamata Opanda Ngongole: loanfreegus.com
5. Wolemera komanso Wokhazikika: richandregular.com
6. Bajeti Yolimbikitsidwa: inspiredbudget.com
7. The Fioneers: thefioneers.com
8. Clever Girl Finance: mimosanapoli.it
9. Brave Saver: bravesaver.com

Pomaliza, ndiroleni ndikulimbikitseni kuti muchite zinthu zitatu kuyambira PANOPA kuti zikuthandizeni kuyamba ulendo wanu:

1. Lembani zonse. Sungani komwe ndalama zanu zimapita tsiku lililonse. Kuchokera kubwereketsa kapena kubwereketsa, kutengera zomwe mumakonda Yang'anani magulu: inshuwaransi, chakudya, zakumwa, malo odyera, zachipatala, sukulu, chisamaliro cha ana, zosangalatsa. Kudziwa zomwe mumagwiritsa ntchito komanso komwe mumagwiritsa ntchito ndizowunikira. Kumvetsetsa komwe mumagwiritsa ntchito ndalama zanu kudzakuthandizani kuzindikira zomwe zili zovomerezeka ndi zosapeŵeka, zomwe ndizofunikira, zomwe ziri zowona. Mukafunika kusunga kapena kuchepetsa ndalama, izi zidzakupatsani deta yomwe mungasankhe bwino. Umu ndi momwe mumapangira bajeti ndikukonzekera.
2. Ngati kumapeto kwa mweziwo, mwapeza ndalama zambiri kuposa zomwe mudawononga, ikani ndalamazo. Kaya ndi ndalama zotani, $25 ndiyofunika. Osachepera kusunthira ku akaunti yosungira. Pakapita nthawi komanso pophunzira, mutha kupanga njira yopangira ndalama zotsogola zomwe zimatha kuchoka pachiwopsezo chochepa kupita kumtunda. Koma osachepera, sunthani madola ndi masenti amenewo ku akaunti yosungira ndikusunga kuchuluka komwe muli nako.
3. Ngati abwana anu akupereka njira yosungira msonkho isanakwane monga 401 (k), tengani nawo. Ngati abwana anu akupereka chonga ichi ndikupereka machesi pazogulitsa zanu, yikani ndalama zambiri momwe mungathere kuti mutengere mwayi pamasewerawa - ndi ndalama zaulere za anthu !!! Ngakhale ikukusungirani ndalama, ikuchepetsanso katundu wanu wamisonkho - awiri kwa m'modzi, ndipo nthawi zonse ndimakhala pansi chifukwa cha izi. Mulimonse mmene zingakhalire, chitanipo kanthu. Idzakula pakapita nthawi ndipo m'kupita kwa nthawi mudzadabwa kuti pang'ono ndi pang'ono bwanji.

Ndikufunirani zabwino zonse ndi zabwino zonse paulendo wanu. Kutengera ndi luso lanu lazachuma, yambirani pamenepo, ndikumanga ndikukula. Siziyenera kukhala zazikulu, koma dola iliyonse (ndalama) ndiyofunikira!