Umbuzo wami mfushane futhi umnandi (noma mhlawumbe inhlekelele, kodwa yingakho ngibuza!): Ngingakwazi yini ukukhokhela umshado wami ngekhadi lesikweletu? Uthanda yonke into kusukela ku-DJ kuya endaweni?
Lona umbuzo omuhle kakhulu, uJennifer Brisman wangitshela lapho ngimthumela lo mlayezo. Ukuze nginikeze impendulo ebanzi, ngiphinde ngaxoxisana nabantu bangempela abakhokhela imishado yabo ngamakhadi esikweletu, kanye nochwepheshe bezezimali, ngoba kunjalo bekufanele sikhulume nomuntu oqondayo (njengokuthi, ngempela understands) imali yalo mbuzo. Nakhu ababekusho ngamunye.
I-Financial Expert's Take
UPriya Malani, umsunguli wefemu yokuhlela imali Stash Wealth , bekungasho lutho: Ngokuvamile, kuwumbono omubi kakhulu ukubeka umshado wakho ekhadini lesikweletu. Uveze imfundiso yakhe eyisisekelo yezezimali: Uma ungenayo imali yokukhokha isikweletu ngokugcwele lapho kufanele ekupheleni kwenyanga, ungakwenzi. UMalani uze waxwayisa abantu ngokucabanga ukuthi bazoyithola imali ngezipho. Kodwa kaningi, izipho ngeke zivale umonakalo ekhadini lesikweletu. Ungayifaki ebhange imali yesipho somshado ukuze ukhokhe isikweletu osiqongele ukuze ‘wenze idili,’ uyeluleka. Ngokwezimali, umonakalo wenzalo yekhadi lesikweletu ungagcina ubize kakhulu kunalokho obufuna ukukusebenzisa emshadweni wakho kwasekuqaleni.
Kanjani kufanele ucabanga ngekhadi lesikweletu? UMalani ukubeka ngale ndlela: Cabanga ngekhadi lokuthenga ngesikweletu njengendlela ehlakaniphile yokusebenzisa imali osuvele unayo, hhayi njengethuluzi lokusebenzisa imali yakho. ungenzi babe.
Ake sithi wena yenza ube nemali yokukhokha ngokugcwele ikhadi ngesikhathi sesitatimende. Uma kunjalo, uMalani uthi kufanele usebenzise ikhadi elinikeza amaphuzu aphindwe kabili kuya kathathu ekuthengeni umshado noma ukubuyisela imali eningi—cishe amaphesenti amathathu kuya kwangu-5. Uma unweba ukuze uthole iqembu noma u-DJ wamaphupho akho futhi udinga ukuboleka imali encane owaziyo ngamaphesenti angu-100 ukuthi ungayikhokha ngemali yomshado, ungase ucabangele elinye lamakhadi okudlala amaphesenti angu-zero afana ne-Chase Slate, ngokuvamile ngaphandle kwenzalo isikhathi eside, uyancoma. (Amanani, imigomo nemibandela iyashintsha, ngakho funda ukuphrinta kahle ngaphambi kokubhalisela noma yiliphi ikhadi!)
Kodwa uMalani akakwazi ukuphinda ngokwanele kangangokuthi udinga ukuqiniseka ukuthi ungakhokha ikhadi ngokugcwele nangesikhathi, ngoba uma lelo nani lamazwibela seliphelile, izinga leqa kakhulu. Waphetha ngeseluleko sokugcina: Khumbula, umshado wakho uwusuku olulodwa, kodwa umshado uwukuphila konke.
Ukuthatha Umhleli Womshado
Bekuyi UJennifer Brisman , umhleli womcimbi eDolobheni laseNew York, owacabanga ukuthi lo umbuzo omuhle kakhulu. Kodwa ingabe ucabanga ukuthi kuhle umqondo ? Ngaphandle kwamathiphu ezezimali, uBrisman usitshele ukuthi abathengisi abaningi abawathathi amakhadi esikweletu, futhi ngezinga abawathatha ngalo, ngokuvamile bakhokhisa izimali zokucubungula zamaphesenti angu-2.5 kuya kwangu-3.
Izindawo, nokho, maningi amathuba okuthi zithathe amakhadi ngaphandle kwezimali ezikhokhwayo ngaphezulu ngenxa yobukhulu bomsebenzi, kodwa uBrisman uphinde waxwayisa ngezinga eliphezulu lenzalo. Njengoba sonke sifuna usuku oluphelele, oluyimilingo, olukhumbulekayo, asifuni ukuthatha isikweletu esisithatha iminyaka ukuthi sisikhokhe, usho kanje. Umshado usuku olulodwa. Uma usele nesikweletu okufanele usikhokhe phakathi neminyaka emine noma emihlanu, uzozizwa kabi.
Indaba ende emfushane? U-Brisman uphinde weluleka ngesikweletu esingadingekile—ngaphandle kwalapho ungakwazi ukukhokha isitatimende sakho ngokugcwele futhi wenzela amaphuzu kuphela noma ezinye izinzuzo.
Umbhangqwana Wangempela Owenza
Umbhangqwana waseMassachusetts uMatt noJenna bashada ngoNovemba 2019 ngohlu lwabantu abangama-90. Bakhokhela iningi lomshado wabo besebenzisa ikhadi lesikweletu le-Chase Sapphire, ngaleso sikhathi, elalibabuyisela ngamaphesenti angu-5 kukho konke abakuthengile. Bacabanga ukuthi, Uma sizosebenzisa izinkulungwane zamaRandi, singase sithole amaphuzu amaningi ngangokunokwenzeka eholidini lethu langemva komshado. I-Pragmatic, akunjalo? Futhi, ngemva kwakho konke ukuswayipha sasimane sibukane futhi sifane nokuthi ‘Hhayi-ke, lokho kuya endizeni yethu noma ehhotela.’
Kodwa empeleni bawasebenzisa kanjani amakhadi okuthenga ngesikweletu kuyilapho abathengisi abaningi abancane bengawathathi? Welp, uMat noJenna bangifundise okuthile okusha. Abathengisi abaningi abazange bathathe inkokhelo yekhadi lesikweletu ngokuqondile, kodwa singahlala sisebenzisa ikhadi lesikweletu ezinkokhelweni zedijithali, njenge-Venmo noma i-PayPal. (Kodwa-ke, ngokusho kukaVenmo , Sicela uqaphele ukuthi izinkokhelo ezixhaswe ngamakhadi esikweletu zingaphansi kwenkokhelo yethu evamile engamaphesenti angu-3.) Ngakolunye uhlangothi, i-PayPal ibeka leyo mali kumthengisi wakho, okuyisizathu sokuthi umthengisi wakho angase angafuni ukuyamukela. Kepha uma kukhulunywa ngezibonelelo, njengakumthwebuli wezithombe kanye nomxhumanisi wosuku, umbhangqwana uthe, Ihlala iyimali.
Ukuvumelana kwethu?
Imishado imnandi, kodwa ingabe uyafuna ngempela ukungena esikweletini esikhulu sekhadi lesikweletu lapho nisanda kuqala ukuphila kwenu ndawonye? Gwema amakhadi esikweletu anenzalo enkulu (ngisho noma uthola amaphuzu!) uma ungenaso isiqiniseko samaphesenti angu-100 ukuthi ungakwazi ukukhokhela umjikelezo wokukhokha olandelayo. Uma ukwazi, qiniseka ukuthi ucabangela izinkokhelo ezengeziwe futhi ukhethe ikhadi elinezinzuzo ezifanelana nemigomo yakho. Yebo, lowo bekuwumbuzo omuhle ngempela.
OKUhlobene: 35 Amabhendi Omshado Ahlukile Asezizwa Ephelelwa Isikhathi
