Xa uthe ndenza njalo, ubucinga ngomtshato kunye neentsana kunye nokukhula kunye, kungekhona ukuba ungadibanisa ii-akhawunti zakho zokutshekisha okanye uphikisana ngeentlawulo zekhadi letyala. Kodwa ekubeni ukugcina izithuba kwimpilo yakho yezemali kubalulekile kumanyano lwakho, kubalulekile ukuqonda uhlobo lomtshato wemali okulo. iziqhamo zayo kunye nemigibe.
ENXULUMENEYO: Ekugqibeleni sadibanisa iiakhawunti zethu zebhanki kwaye nantsi into eyenze kumtshato wethu
Amashumi amabini anamashumi amabiniIyintoni eyam yeyakho
Le Ndlela, Ichaziwe: Ngomzuzu otyikitye ngawo ilayisenisi yakho yomtshato, usayine neakhawunti yakho yebhanki kunye neenkcukacha zomhlalaphantsi, kwaye ngokuqinisekileyo uwathathela ingqalelo amakhadi okuthenga ngetyala ahlukeneyo ukuba…yayimangalisa. (Ngokwerekhodi, ingcamango ye-prenup ayikho nakwihlabathi lakho.) Utshatile ukuze kungabikho nickel kunye ne-dime enye kwenye, kwaye ukuswayipha ikhadi eliqhagamshelwe kwi-akhawunti enye ithatha umsebenzi wokuqagela.
Kutheni Isebenza: Xa udibanisa yonke into , kwenza kube lula ukubala umfanekiso omkhulu kunye. (Eyona ndlela yokwenyani yokwazi umgca osezantsi kukurhoxa embizeni enye.) Oku kuluncedo kakhulu hayi nje ekubhataleni amatyala, kodwa nakwiinjongo zexesha elide kunye ezifana nokuthenga indlu kunye nokonga ekholejini. Ikwanazo neenzuzo zobudlelwane bakho. Ngokuka a uphononongo lwakutsha nje epapashwe ngu UCLA, izibini ezitshatileyo ezidibanisa iimali zabo zonwabile kubudlelwane babo kwaye mancinci amathuba okuba bahlukane.
Imigibe enokubakho: Mhlawumbi kukho ukungafani kwemivuzo. Mhlawumbi omnye wenu ungumntu ochitha imali ngelixa omnye engonga . Xa imali idityanisiwe, inkcitho yomnye umntu lishishini lakho ngokupheleleyo (Unayo Njani kakhulu kumatikiti okupaka? Uchithe Njani kakhulu kwisaladi?), okanye unokuziva unomsindo ukuba unciphisa ngelixa iqabane lakho lichitha. Umsebenzi-jikelele? Uhlahlo lwabiwo-mali olucokisekileyo, ke nina nobabini ninamanani arhabaxa obuninzi benkcitho yenu kwicandelo ngalinye.
Amashumi amabini anamashumi amabiniAbahlukeneyo Kodwa bayalingana
Le Ndlela, Ichaziwe: Ewe, utshatile, kodwa kwicala lezemali, uzimele kakuhle: Ukwahlula iiakhawunti zebhanki, amakhadi okuthenga ngetyala ahlukeneyo, inqanaba elithile lemfihlakalo malunga nokuba ngubani ochitha ntoni. Udibanisa izinto ezinkulu (uhlawula ityala lombane; uhlawula igesi) kwaye nitshintshisana ngokuthatha itshekhi. Kodwa ukuba ufuna ukuthenga i-handbag eyi-750 yeedola, ayiloshishini lakhe elo.
Kutheni Isebenza: Iingcali ezininzi ziyavumelana noko hayi ukudibanisa ii-akhawunti zebhanki okunene yindlela yanamhlanje yokubonisa iimpawu zokuthembela kubudlelwane, ingakumbi njengoko izibini ngoku zibopha iqhina kamva ebomini kwaye ziza emtshatweni kunye nengeniso eninzi kunye nokugcinwa kokugcinwa. Ngokugcina ezo akhawunti zahlukileyo, unokugcina ngcono ubuwena kunye nobuntu bakho, utshilo uFeneba Addo, unjingalwazi oncedisayo kwisayensi yabathengi kwiDyunivesithi yaseWisconsin-Madison, kudliwanondlebe kwiYunivesithi yaseWisconsin-Madison. IAtlantiki . Kwaye, yindlela engcono yokukhusela imali yakho, ukuba ubudlelwane bumuncu.
Imigibe enokubakho: Ngelixa uyazi kakuhle ukuba yintoni wena ukuchitha, ibhanki eyahlukileyo yenza kube nzima ukwazi ukuba iqabane lakho likhupha ntoni-nto leyo enokuthintela iinjongo zokulondoloza ixesha elide. Izinto zisenokonakala xa abantwana bengena emfanekisweni, ngelo xesha unokufuna ukucaca ngakumbi.
Amashumi amabini anamashumi amabiniUmdibaniso(ish)
Indlela, echazwe: Udibanise iakhawunti yakho yokujonga, amakhadi akho etyala, kunye nepotifoliyo yakho yotyalo-mali. (Ewe, uvule entsha kunye-bravo.) Kodwa ngamnye uye wagcina i-akhawunti enye esecaleni ukuxhasa ngemali izipho, i-splurges okanye ezinye izinto ezixhasa wena ngabanye kunokuba wena njengesibini.
Kutheni Isebenza: Ah, ibhalansi. Kuvakala kulungile? Ngokuba nayo uninzi yemali yakho kwi-akhawunti ekwabelwana ngayo, ningasondela kwezemali njengeqela kwaye nisoloko nibeke iliso lakho kwiinjongo zosapho ezinomfanekiso omkhulu. Kodwa ngokuba abanye imali eyeyakho neyakho wedwa, usenako ukugcina umgangatho othile wobuntu-kwaye ube nembiza yokuthenga izipho kunye ne-splurges.
Imigibe enokubakho: Ngama-akhawunti ahlukeneyo, kuya kufuneka uchaze ukuba yintoni ekufuneka ivela phi. Umzekelo, ngaba utyelelo lwe-spa luphume ngokudibeneyo xa ungumama oxinezelekileyo wabantwana abathathu okanye kufuneka luphume kugcino lwakho? Kuthekani ngebar yakho yebar kunye nabahlobo? Yiba phambi komnye nomnye ngaphambili uyathenga ukuze akufuneki nickel kunye ne-dime enye kwenye xa i-bill ifika.
Amashumi amabini anamashumi amabiniAbaphathi abakhulu kunye nabancinci
Indlela, echazwe: Omnye wenu uphatha zonke izinto ezinomfanekiso omkhulu-utyalo-mali, ii-akhawunti zomhlalaphantsi, izinto ezithengiweyo zendlu-ngelixa omnye ephethe inkcitho yemihla ngemihla. Akukho qela libandakanyeka kakhulu kwindlela yomnye, kwaye ngenxa yoko unexesha elingakumbi lezinto ezingenanto yakwenza nemali.
Kutheni Isebenza: Ukuthunyelwa komsebenzi kububulumko kwiinkalo ezininzi zobomi, kodwa ngakumbi ezemali, apho kunokuba nzima ukugcina umkhondo wayo yonke into. Oku kuyinyani ngakumbi kuxhomekeke kwindlela ojongana ngayo nemisebenzi yemihla ngemihla: Ngelixa abanye abantu belungile ngenene ekucingeni umfanekiso omkhulu, abanye bakhetha indlela ejolise kwiinkcukacha. Kwaye, ngokophando lobunkokeli oluqhutywe ngu Uphononongo lweShishini laseHarvard , oku kusenokuba yinyaniso yobomi kuni nobabini: Omnye wenu ukwimeko engcono yokuthabatha inyathelo aze enze ukucinga ngoxa omnye umntu ephambili ecima imililo yemali evela mihla le. Ukuba wena neqabane lakho niyakwazi oku omnye nomnye okanye ngeemeko zenu, kunokukusebenzela ukuba nidlale ngamandla enu.
Imigibe enokubakho: Qiniseka ukuba akukho namnye kuni ogqiba ebumnyameni malunga nesicwangciso somnye okanye azive ngathi isigqibo esibalulekileyo senziwe ngaphandle kwemvume. (Yima, sithengise ngemali yekholeji yabantwana kwiBitcoin?). Yiba nentlanganiso yenyanga yokungena okanye yohlahlo lwabiwo-mali apho ngamnye enika umfanekiso waso naziphi na ii-windfalls okanye izithintelo-njengotshintsho olukhulu kwipotfoliyo yesitokhwe sakho okanye iindleko zokulungisa imoto yakutshanje.
Amashumi amabini anamashumi amabiniUbuzwilakhe
Indlela, echazwe: Umntu omnye—umondli wesonka okanye akunjalo—ulawulayo zonke ezemali. Omnye umntu (okanye i-minion) uqhuba izinto ezithengiweyo ezidlulileyo xa etshilo uzwilakhe ukuba amkelwe okanye uswayiphe, swayipha, uswayipha de (eep) ikhadi letyala ngesiquphe livalwe. I-minion ayinalwazi ngokubanzi ngenkcitho yemifanekiso emikhulu, kwaye ihlala inolwazi oluncinci lwempahla yexabiso.
Kutheni Isebenza: Sikuthiyile ukuyithetha, kodwa ayinjalo. Ngaphandle kokuba ukwisinye sezimo ezidumileyo zikatata / umntwana ezihlala zisikhupha.
Imigibe enokubakho: Ngaphandle kweempembelelo zobudlelwane be-icky (amandla aguqukayo kakhulu?), oku kuyingozi ngokwenene ngokwemali. Kufuneka nantoni na hamba kakubi, i-minion ayinakukwazi ukulawula, akukho ukuqonda kwemifanekiso emikhulu kwaye kaninzi akukho mali egameni lakhe. Ewe, kulungile ukuba umntu omnye ujongana nezezimali zosapho ngaphezulu komnye, kodwa nobabini niliqela kwaye nobabini kufuneka nibe nesantya apho nimi khona.
ENXULUMENEYO: Iindidi ezi-4 zabaphathi ... kunye nendlela yokulawula ukuya kubo
