Ulwazi lwezezimali

Enye yezinto abaningi bethu (iningi lethu) eliyifunayo ezimpilweni zethu kanye nemindeni yethu ukuba nempilo enhle ngokwezezimali noma ukuvikeleka ngokwezimali. Noma ngabe lokho kusho ukuthini komunye nomunye wethu ngabanye; sonke sinezidingo nezincazelo ezahlukene.

Ngomqondo oyisisekelo, ukuphila kahle kwezezimali kuchazwa ngokuba nemali eyanele yokukhokha izikweletu zakho, ukukhokha noma okungcono kakhulu, ukungabi nasikweletu, ukuba nemali ebekelwe izimo eziphuthumayo, kanye nokukwazi ukuhlela nokubeka eceleni izimali. okwekusasa. Ukuba nokukhetha mayelana nesikhathi samanje nekusasa uma kuziwa emalini.

Kunezimiso ezine eziyisisekelo zokuphila kahle kwezezimali, futhi uma uzilandela, kungenzeka ube sendleleni enhle:

1. isabelomali - Yiba necebo, landelela ukuthi wenza kanjani ngokumelene nalolo hlelo, futhi unamathele ohlelweni. Lungisa uhlelo njengoba izimo zishintsha. Naka uhlelo lwakho!
2. Phatha izikweletu zakho – Uma ungeke ukwazi ukugwema isikweletu, njengoba iningi lethu lingakwazi ngezinga elithile, qiniseka ukuthi uyasiqonda isikweletu sakho, uyasiqonda ukuthi isikweletu sikubiza ngani, futhi ungalokothi uphuthelwe ukukhokha. Nakuba indawo engcono kakhulu ongaba kuyo iyisikweletu esingu-zero, iningi lethu linezikweletu (izindlu, izimoto, ikolishi, amakhadi esikweletu).
3. Yiba nokonga kanye nokutshalwa kwezimali - Ukwenza lokhu, kufanele usebenzise imali engaphansi kwaleyo oyiholayo, bese ungakha ukonga futhi wenze nokutshala imali. Izimiso ezimbili zokuqala zizokusiza ukuthi ufinyelele kulesi.
4. Yiba nomshwalense - Umshwalense ubiza imali, yebo uyayisebenzisa, futhi ungase ungalokothi uyisebenzise, ​​kodwa kuyadingeka ukuqaphela ukulahlekelwa okukhulu nokungalindelekile.Lokho kulahlekelwa okungakulimaza ngokwezimali.

Konke kuzwakala kulula, akunjalo!?! Kodwa sonke siyazi ukuthi akunjalo. I-nuanced futhi ihlale iphonselwa inselelo ngamaqiniso empilo yansuku zonke.

Ukuze ufike empilweni, kufanele ube nolwazi lwezezimali. Ukufunda nokubhala = ukuqonda.

Umhlaba wezezimali uyinkimbinkimbi kakhulu, uyadida, futhi unenselele. Ungathola iziqu ze-undergraduate, iziqu, iziqu zobudokotela, nezitifiketi nezinhlamvu ngomthwalo wesikebhe ngemuva kwegama lakho. Kuhle lokho futhi ngikushayela ihlombe uma ukwazi (uma unesikhathi, ithuba, isifiso, kanye nezinsiza). Kodwa kuningi ongakwenza uwedwa, mahhala noma ngezindleko eziphansi ngokusebenzisa izinsiza ezikhona ezishicilelwe. Funda izinto eziyisisekelo kanye nolimi nemibandela, futhi ukwazi nje lezo zisekelo kungenza umehluko omkhulu empilweni yakho. Umqashi wakho angase futhi abe nezinsiza ezitholakalayo ngeminikelo yakhe yenzuzo yesisebenzi, uhlelo lokusiza abasebenzi, noma u-401(k) kanye nezinhlelo ezifana nalezi. Kukhona ulwazi laphaya futhi ucwaningo oluncane nocwaningo luzokhokha (akukho pun okuhlosiwe). Kuwufanele umzamo.

Hamba uyinkimbinkimbi uma uthanda futhi ube nesikhathi nezinsiza, kodwa okungenani, ngincoma kakhulu ukuthi okungenani ufunde okuyisisekelo! Funda imigomo, ubungozi obukhulu, namaphutha, futhi ufunde ukuthi ungakha kanjani kancane futhi ubekezele futhi ube nombono wesikhathi eside walapho ofuna ukuba khona.

Ngike ngasho ukuthi luningi ulwazi olukhona. Lokho kuhle KANYE lokho kungenye inselele. Kukhona ulwandle lwezeluleko zezezimali laphaya. Futhi ibutho noma abantu ngaphezu uzimisele ukuthatha imali yakho. Yini elungile, yini engalungile. Kwehlela ngempela esimweni somuntu ngamunye. Funda okuningi, ufunde

Amagama - ngiyaphinda: funda ulimi, funda empumelelweni nasemaphutheni abanye. Futhi, khuluma nabangani nomndeni. Khona-ke ungakwazi ukuhlola, ukuthi yini eyenza umqondo kuwena esimweni sakho ngasinye.

Kunokuba ngibhale iposi lebhulogi elikufundisa zonke lezi zinto, ngeke ngilisungule kabusha isondo. Ngizokukhuthaza ukuthi usebenzise izinsiza esezivele zikhona. Yebo, ngibhala iposi lebhulogi lapho ngincoma ukuthi ufunde amanye amabhulogi! Odinga ukukwenza nje ukuya ku-oracle, eyaziwa nangokuthi i-Google, futhi useshe amabhulogi ezezimali, futhi voila, ingcebo yamathuba okufunda!

Okulandelayo amabhulogi ayisishiyagalolunye engiwathole emizuzwini embalwa ayizibonelo zalokho okutholakalayo. Babonakala beqonda izinto eziyisisekelo futhi bakhuluma nathi njengabantu abavamile hhayi ama-CPA nama-PhD, thina esiphila nsuku zonke. Angikuqinisekisi okuqukethwe kulokhu. Ngizincoma kuphela njengomthombo wolwazi lapho ungafunda khona, ufunde, futhi uhlole. Funda nge-lens ebucayi. Bheka ezinye ezivela oseshweni lwakho. Ngingathanda ukuzwa mayelana nolwazi lwakho njengoba wenza kanjalo!

1. Cela Kancane Kancane: getrichslowly.org
2. Amadevu Emali: mrmoneymustache.com
3. I-Money Smart Latina: moneysmartlatina.com/blog
4. Abafana Abangenazikweletu: creditfreeguys.com
5. Okucebile futhi Okujwayelekile: richandregular.com
6. Isabelomali Esiphefumulelwe: inspiredbudget.com
7. I-Fioneers: thefioneers.com
8. I-Clever Girl Finance: sonkhokalim.ru
9. Umsindisi Onesibindi: bravesaver.com

Sengiphetha, ake ngincome ukuthi wenze izinto ezintathu ezisebenzayo uqale MANJE ukukusiza ukuthi uqale uhambo lwakho:

1. Bhala phansi konke. Gcina umbhalo walokho lapho imali yakho iya khona nsuku zonke. Kusuka emalini yakho ebolekiwe noma yerenti, kuya ezintweni zakho ezithandwayo Buka izigaba: umshwalense, ukudla, iziphuzo, izindawo zokudlela, ezokwelashwa, isikole, ukunakekelwa kwezingane, ukuzijabulisa. Ukwazi ukuthi uchitha ini nokuthi uchitha kuphi kuyakhanya. Ukuqonda ukuthi uyisebenzisela kuphi imali yakho kuzokusiza ukuthi ubone ukuthi yini eyimpoqo futhi engenakugwenywa, ukuthi iyini isidingo, kulokho okufunayo. Uma udinga ukonga noma unciphise izindleko, lokhu kuzokunikeza idatha ongenza ngayo izinqumo ezingcono kakhulu. Lena yindlela owenza ngayo ibhajethi nokuhlela kwakho.
2. Uma ekupheleni kwenyanga, usuzuze imali engaphezu kwaleyo oyisebenzisile, tshala leyo mali eyeqile. Noma ngabe yimalini, i-$ 25 ibalulekile. Okungenani ihambise ku-akhawunti yokonga. Ngokuhamba kwesikhathi nokufunda, ungase uthuthukise isu lokutshala izimali eliyinkimbinkimbi kakhulu elingasuka engozini encane iye phezulu. Kodwa okungenani, hambisa lawo madola namasenti ku-akhawunti yokonga futhi ulandelele ukuthi unamalini lapho.
3. Uma umqashi wakho ekunikeza inketho yokonga ngaphambi kwentela efana no-401(k), bamba iqhaza. Uma umqashi wakho ekunikeza okuthile okufana nalokhu futhi ekunikeza okufanayo ngemali oyitshalile, tshala imali yakho ngokusemandleni akho ukuze usebenzise ngokugcwele umdlalo - abantu bemali YAMAHHALA!!! Nakuba kukwakhela ukonga, kuphinde kwehlise umthwalo wakho wentela - okubili kokukodwa, futhi ngihlale ngiphansi ngalokho. Noma ngabe yikuphi, hlanganyela. Izokhula ngokuhamba kwesikhathi futhi ngokuhamba kwesikhathi uzomangala ukuthi ingcosana ingaba engakanani.

Ngikufisela inhlanhla nenhlanhla ohambweni lwakho. Ngokusekelwe olwazini lwakho lwezezimali lwamanje, qala lapho, wakhe futhi ukhule. Akumele kube kuhle, kodwa wonke amadola (penny) abalulekile!