Ulwazi lwezeMali

Enye yezinto uninzi lwethu (uninzi lwethu) oluyifunayo kubomi bethu kunye neentsapho zethu kukuphila kakuhle kwezemali okanye ukhuseleko lwezemali. Nokuba ithetha ntoni na loo nto kumntu ngamnye kuthi ngabanye; sonke sineemfuno ezahlukeneyo kunye neenkcazo.

Ngokweyona ngqiqo isisiseko, impilo entle yezemali ichazwa ngokuba nemali eyaneleyo yokuhlawula amatyala akho, ukuhlawula okanye ukuhlawula amatyala akho, ukungabi natyala, ukuba nemali ebekelwe ixesha likaxakeka, nokukwazi ukucwangcisa nokubekela bucala imali. kwikamva. Ukuba nokukhetha malunga nexesha langoku kunye nekamva xa kufikwa kwimali.

Kukho imigaqo emine esisiseko yokuphila kakuhle kwezemali, kwaye ukuba uyayilandela, unokuba sendleleni elungileyo:

1. ibhajethi – Yiba nesicwangciso, ulandelele indlela owenza ngayo ngokuchasene neso sicwangciso, kwaye unamathele kwisicwangciso. Lungisa isicwangciso njengoko iimeko zitshintsha. Nika ingqalelo kwisicwangciso sakho!
2. Lawula amatyala akho – Ukuba awukwazi ukuliphepha ityala, njengoko uninzi lwethu lungakwazi kwinqanaba elithile, qiniseka ukuba uyaliqonda ityala lakho, uyaliqonda ixabiso letyala lakho, kwaye ungaze uphoswe yintlawulo. Ngelixa eyona ndawo unokuba kuyo lityala elinguziro, uninzi lwethu lunamatyala (amatyala okubambisa, iimoto, ikholeji, amakhadi okuthenga ngetyala).
3. Yiba nogcino kunye notyalo-mali - Ukwenza oku, kufuneka uchithe imali encinci kunomvuzo wakho, emva koko unokwakha ukonga kwaye wenze utyalo-mali. Imigaqo emibini yokuqala iya kukunceda ufikelele kule.
4. Yiba ne-inshurensi - I-inshurensi ixabisa imali, ewe, kwaye awusoze uyisebenzise, ​​kodwa kuyimfuneko ukugada ilahleko enkulu kunye nengalindelekanga.Ezo lahleko ezinokukutshabalalisa ngokwezimali.

Konke kuvakala kulula, akunjalo!?! Kodwa sonke siyazi ukuba akunjalo. I-nuanced kwaye isoloko icela umngeni kwiinyani zobomi bemihla ngemihla.

Ukuze ube sempilweni, kufuneka ube nolwazi lwezemali. Ukufunda nokubhala = ukuqonda.

Ilizwe lezemali lintsonkothile kakhulu, liyabhidisa, kwaye licela umngeni. Unokufumana isidanga sokuqala, izidanga, izidanga zobugqirha, kunye nezatifikethi kunye noonobumba ngokulayishwa kwesikhephe emva kwegama lakho. Intle yonke loo nto kwaye ndiyakuqhwabela izandla ukuba unako (ukuba unalo ixesha, ithuba, umnqweno, kunye nezixhobo). Kodwa kuninzi onokukwenza ngokwakho, simahla okanye ngexabiso eliphantsi ngokusebenzisa izixhobo ezikhoyo ezipapashiweyo. Funda iziseko kunye nolwimi kunye nemigaqo, kwaye ukwazi nje ezo ziseko zingenza umehluko omkhulu ebomini bakho. Umqeshi wakho usenokuba nezixhobo ezifumanekayo ngezibonelelo zenzuzo yomqeshwa, inkqubo yoncedo lwabasebenzi, okanye ama-401(k) kunye nezicwangciso ezinje. Kukho ulwazi apho kwaye uphando oluncinci kunye nokufunda kuya kuhlawula (akukho njongo ye-pun). Kuwufanele umgudu.

Yiya nzima ukuba uyathanda kwaye ube nexesha kunye nezixhobo, kodwa ubuncinci, ndincoma kakhulu ukuba ubuncinci ufunde iziseko! Funda imigaqo, imingcipheko emikhulu, kunye neempazamo, kwaye ufunde indlela yokwakha ngokukhawuleza kwaye ube nomonde kwaye ube nombono wexesha elide apho ufuna ukuba khona.

Ndithe kukho ulwazi oluninzi phaya. Kuhle oko KUNYE ngomnye umngeni lowo. Kukho ulwandle lweengcebiso zemali phaya. Kwaye umkhosi okanye abantu ngaphezu ukulungele ukuthatha imali yakho. Yintoni elungileyo, yintoni engalunganga. Ifikelela ngokwenene kwimeko yomntu ngamnye. Funda kakhulu, ufunde

Amagama – ndiyaphinda: funda ulwimi, funda kwiimpumelelo neempazamo zabanye. Kwakhona, thetha nabahlobo kunye nosapho. Emva koko unokuvavanya, ukuba yintoni eyenza ingqiqo kuwe kwimeko yakho yodwa.

Kunokuba ubhale iposti yebhlog ekufundisayo kuzo zonke ezi zinto, andizukuphinda ndiqalise ivili. Ndiza kukukhuthaza ukuba usebenzise izixhobo esele zikhona. Ewe, ndibhala iposti yebhlog apho ndincoma ukuba ufunde ezinye iibhlog! Konke okufuneka ukwenze kukuya kwi-oracle, eyaziwa ngokuba yiGoogle, kwaye ukhangele iiblogi zemali, kunye ne-voila, ubutyebi bamathuba okufunda!

Ukulandela iiblogi ezisithoba endizifumene kwimizuzu embalwa eyimizekelo yezinto ezikhoyo. Babonakala beqonda izinto ezisisiseko kwaye bathethe nathi njengabantu abaqhelekileyo kwaye hayi iiCPA kunye neePhDs, abo bethu bafumana ubomi bemihla ngemihla. Andiqinisekisi ngomxholo kwezi. Ndibacebisa kuphela njengomthombo wolwazi apho unokufunda khona, ufunde, kwaye uvavanye. Funda ngelensi ebalulekileyo. Jonga ezinye ezivela kukhangelo lwakho. Ndingathanda ukuva ngamava akho njengoko usenjenjalo!

1. Zityebi Kancinci: getrichslowly.org
2. Amadevu emali: mrmoneymustache.com
3. Imali Smart Latina: moneysmartlatina.com/blog
4. Amadoda angaTyalayo: creditfreeguys.com
5. Utyebile kwaye rhoqo: richandregular.com
6. Uhlahlo-lwabiwo mali oluphefumlelweyo: inspiredbudget.com
7. IiFioneers: thefioneers.com
8. I-Clever Girl Finance: zibelkoku.com
9. Umsindisi Onesibindi: bravesaver.com

Ekuvaleni, mandicebise ukuba wenze izinto ezintathu ezisebenzayo ukuqala NGOKU ukukunceda uqale uhambo lwakho:

1. Bhala phantsi yonke into. Gcina umkhondo wokuba iya phi imali yakho yonke imihla. Ukusuka kwimali-mboleko okanye irenti yakho, ukuya kwinto oyithandayo Jonga iindidi: i-inshurensi, ukutya, iziselo, ukutya ngaphandle, ezonyango, isikolo, ukukhathalelwa kwabantwana, ukuzonwabisa. Ukwazi into oyichithayo nalapho uchitha khona kuyakhanyisa. Ukuqonda apho uchitha khona imali yakho kuya kukunceda ukuba uchonge into enyanzelekileyo kwaye ingenakuphepheka, kwinto eyimfuno, kwinto enokuzikhethela. Xa ufuna ukugcina okanye ukunciphisa iindleko, oku kuya kubonelela ngedatha apho ukwenza izigqibo ezifanelekileyo. Le yindlela owenza ngayo uhlahlo lwabiwo-mali kunye nesicwangciso.
2. Ukuba ekupheleni kwenyanga, ufumene imali engaphezulu kunaleyo uyisebenzisileyo, tyala loo mali igqithileyo. Nokuba yimalini na, i-$25 ibalulekile. Ubuncinci yifudusele kwiakhawunti yokonga. Ngokuhamba kwexesha kunye nokufunda, unokuphuhlisa isicwangciso sotyalo-mali esiphucukileyo esinokusuka kumngcipheko ophantsi ukuya phezulu. Kodwa ubuncinci, hambisa ezo dollar kunye neesenti kwi-akhawunti yokonga kwaye ugcine umkhondo wemali onayo apho.
3. Ukuba umqeshi wakho unikezela ngokhetho lokugcina lwerhafu olufana ne-401(k), thatha inxaxheba. Ukuba umqeshi wakho unikezela ngento efana nale kwaye ibonelela ngokuhambelana notyalo-mali lwakho, tyala imali kangangoko unakho ukuze uthabathe ithuba elipheleleyo lomdlalo-yimali yabantu SIMAHLA!!! Ngelixa isenzela wena ukonga, ikwaphungula umthwalo wakho werhafu - isibini komnye, kwaye ndihlala ndiphantsi ngenxa yoko. Nokuba imeko ithini na, yiba nenxaxheba. Iya kukhula ngokuhamba kwexesha kwaye ekuhambeni kwexesha uya kumangaliswa ukuba incinci kangakanani na.

Ndikunqwenelela impumelelo kunye nethamsanqa kuhambo lwakho. Ngokusekwe kulwazi lwakho lwezezimali lwangoku, qala apho, kwaye wakhe kwaye ukhule. Akunyanzelekanga ukuba ibenkulu, kodwa yonke idola (ipeni) ibala!