Ngesikhathi uthi ngiyakwenza, ubucabanga ngomshado nezingane kanye nokuguga ndawonye, hhayi ukuthi uzohlanganisa noma cha ama-akhawunti akho okuhlola noma uphikisana ngezinkokhelo zekhadi lesikweletu. Kodwa njengoba ukunaka impilo yakho yezezimali kubalulekile enhlanganweni yakho, kubalulekile ukuqonda uhlobo lomshado wemali okuwo. Sihlonze emihlanu yonke imibhangqwana ewela kuyo, futhi sibhidliza ngamunye—kanye nawo. izinzuzo zayo nezingibe.
OKUhlobene: Ekugcineni Sahlanganisa Ama-Akhawunti Ethu Ebhange Nakhu Engakwenza Emshadweni Wethu
Amashumi amabili namashumi amabiliOkungokwami Ngokwakho
Le ndlela, ichazwa: Ngomzuzu osayine ngawo ilayisense yakho yomshado, usayine ne-akhawunti yakho yasebhange kanye nolwazi lomhlalaphansi, futhi ubheka amakhadi esikweletu ahlukene njenga…okumangazayo. (Ngokwerekhodi, umqondo we-prenup awukho nasemhlabeni wakho.) Nashada ukuze kungadingeki ukuthi nishaye i-nickel futhi nifake imali encane, futhi ukuswayipha ikhadi elixhunywe ku-akhawunti eyodwa kukhiphe ukuqagela.
Kungani Isebenza: Uma uhlanganisa konke , kwenza kube lula ukubala isithombe esikhulu ndawonye. (Ukuphela kwendlela yangempela yokwazi umgomo wakho ukuhoxa ebhodweni elifanayo.) Lokhu kuzuzisa kakhulu hhayi nje ekukhokheleni izikweletu, kodwa nasezinjongweni zesikhathi eside ndawonye njengokuthenga indlu nokonga ekolishi. Iphinde ibe nezinzuzo ezinhle ebudlelwaneni bakho. Ngokusho kuka-a ucwaningo lwakamuva enyatheliswa i-UCLA, imibhangqwana eshadile ehlanganisa izimali zayo ijabule kakhudlwana ebudlelwaneni bayo futhi mancane amathuba okuthi ihlukane.
Izingibe ezingaba khona: Mhlawumbe kunokwehluka kweholo. Mhlawumbe omunye wenu ungumsebenzisi wemali kuyilapho omunye engonga . Uma ukheshi uhlanganiswa, ukusetshenziswa komunye umuntu kuyibhizinisi lakho ngokuphelele (Unayo Kanjani okuningi kumathikithi okupaka? Uchithile Kanjani okuningi ngesaladi?), noma ungazizwa ucasukile uma unciphisa ngenkathi oshade naye e-splurges. Umsebenzi-nxazonke? Ukuhlelwa kwesabelomali okucophelelayo, ukuze nobabili nibe nezinombolo ezinzima zemali eniyisebenzisayo ngesigaba ngasinye.
Amashumi amabili namashumi amabiliAbahlukene Kodwa Bayalingana
Le ndlela, ichazwa: Yebo, ushadile, kodwa mayelana nezezimali, uzimele kahle: Ama-akhawunti asebhange ahlukene, amakhadi esikweletu ahlukene, izinga elithile lemfihlakalo mayelana nokuthi ubani osebenzisa ini. Uhlukanisa izinto ezinkulu (ukhokha isikweletu sikagesi; ukhokha igesi) bese niyashintshana ngokucosha isheke. Kodwa uma ufuna ukuthenga isikhwama esingu-0, lokho akulona ibhizinisi lakhe.
Kungani Isebenza: Ochwepheshe abaningi bayavumelana nalokho hhayi ukuhlanganisa ama-akhawunti asebhange empeleni kuyindlela yesimanjemanje yokubonisa izimpawu zokwethembana ebudlelwaneni, ikakhulukazi njengoba imibhangqwana manje isibopha ifindo likasofa silahlane empilweni futhi iza emshadweni nemali engenayo kanye nokonga okusunguliwe. Ngokugcina lawo ma-akhawunti ehlukene, ungakwazi ukugcina kangcono ubuwena kanye nobuntu bakho, kusho u-Feneba Addo, uprofesa osizayo wesayensi yabathengi eNyuvesi yaseWisconsin-Madison, engxoxweni ne- I-Atlantic . Futhi, kuyindlela engcono yokuvikela imali yakho, uma ubudlelwano bumuncu.
Izingibe ezingaba khona: Nakuba wazi kahle ukuthi yini wena ukusebenzisa imali, ukubhanga ngokwehlukana kwenza kube nzima ukwazi ukuthi umlingani wakho ukhiphani—okungase kuthiye imigomo yokonga yesikhathi eside. Izinto zingase zibe murky lapho izingane zingena esithombeni, ngaleso sikhathi ungase udinge ukucaca okwengeziwe.
Amashumi amabili namashumi amabiliI-Joint(ish)
Indlela, echazwe: Uhlanganise i-akhawunti yakho yokuhlola, amakhadi akho esikweletu, ngisho nephothifoliyo yakho yokutshala imali. (Hhayi-ke, nivule entsha ndawonye—bravo.) Kodwa nigcine i-akhawunti eseceleni eyodwa ehlukene ukuze nixhase ngezipho, ama-splurges noma ezinye izinto ezisekela nina ngabanye kunani njengombhangqwana.
Kungani Isebenza: Ah, ibhalansi. Kuzwakala kukuhle kulungile? Ngokuthola iningi wemali yakho ku-akhawunti eyabiwe, ningathintana nezezimali njengeqembu futhi nihlale nigxilisa iso lakho emigomeni yomndeni enezithombe ezinkulu. Kodwa ngokuba abanye imali okungeyakho neyakho wedwa, usengakwazi ukugcina izinga elithile lomuntu ngamunye—futhi ube nebhodwe ongathenga kulo izipho nama-splurges.
Izingibe ezingaba khona: Ngama-akhawunti ahlukene, uzodinga ukuchaza ngempela ukuthi yini okufanele ivele kuphi. Isibonelo, ingabe ukuvakasha kwe-spa kufanele kuphume ekuhlanganyeleni uma ungumama ocindezelekile wezingane ezintathu noma kufanele kuvele emalini yakho oyongile? Kuthiwani ngethebhu yakho yebha nabangani? Yiba phambili nomunye ngaphambili uyathenga ngakho-ke awudingi ukwenza i-nickel kanye ne-dime omunye nomunye lapho isikweletu sifika.
Amashumi amabili namashumi amabiliAbaphathi abakhulu nabancane
Indlela, echazwe: Omunye wenu uphatha zonke izinto ezinezithombe ezinkulu—imali etshaliwe, ama-akhawunti omhlalaphansi, ukuthenga ikhaya— kuyilapho omunye ephatha ukusetshenziswa kwemali kwansuku zonke. Alikho iqembu elihileleka kakhulu endleleni yomunye, futhi ngenxa yalokho uba nesikhathi esengeziwe sezindaba ezingahlobene nemali.
Kungani Isebenza: Ukuthumela amandla kuhlakaniphile emikhakheni eminingi yempilo, kodwa ikakhulukazi ezezimali, lapho kungaba nzima khona ukulandelela yonke into. Lokhu kuyiqiniso ikakhulukazi kuye ngokuthi ubhekana kanjani nemisebenzi yansuku zonke: Nakuba abanye abantu benekhono ngempela ekucabangeni izithombe ezinkulu, abanye bakhetha indlela egxile kakhulu. Futhi, ngokocwaningo lobuholi olwenziwa ngu I-Harvard Business Review , lokhu kungase kube iqiniso kini nobabili: Omunye wenu usesimweni esingcono sokuhlehla futhi acabange ngesikhathi omunye esemgqeni ocisha umlilo wezezimali ovela nsuku zonke. Uma wena nophathina wakho nazi lokhu ngomunye nomunye noma ngezimo zenu, kungakusebenzela ukuthi nidlale ngezikhwepha zenu.
Izingibe ezingaba khona: Vele uqiniseke ukuthi akekho noyedwa kini ogcina esebumnyameni mayelana neqhinga lomunye noma ozwa sengathi isinqumo esibalulekile senziwe ngaphandle kwemvume. (Ima, sihwebe ngesikhwama sekolishi lezingane ngeBitcoin?). Yiba nomhlangano wanyanga zonke wokungena noma wesabelomali lapho ngamunye enikeza isifinyezo sanoma iziphi izinkinga noma izithiyo—njengoshintsho olukhulu kuphothifoliyo yesitoko sakho noma izindleko zokukhanda imoto yakamuva.
Amashumi amabili namashumi amabiliUbushiqela
Indlela, echazwe: Umuntu oyedwa olawula isinkwa noma cha konke ezezimali. Omunye umuntu (noma i-minion) uqhuba ukuthenga okwedlule umashiqela ukuze agunyazwe noma avele aswayiphe, aswayiphele, aswayiphe kuze kube (eep) ikhadi lesikweletu livaleka kungazelelwe. I-minion ngokuvamile ayiqapheli ukusetshenziswa kwezithombe ezinkulu, futhi ngokuvamile inolwazi oluncane lwempahla ephelele.
Kungani Isebenza: Siyakuzonda ukukusho, kodwa akunjalo. Ngaphandle uma ukwesinye salezo zimo ezidumile zika-sugar daddy/ baby ezihlala zisikhipha.
Izingibe ezingaba khona: Ngaphandle kwemithelela yobudlelwano be-icky (amandla ashukumisayo kakhulu?), lokhu kuyingozi ngempela ngokwezimali. Kufanele noma yini hamba kabi, i-minion ayikwazi ukulawula, akukho ukuqonda kwesithombe esikhulu futhi ngokuvamile ayikho imali egameni layo. Yebo, kulungile uma umuntu oyedwa esebenza ngezimali zomndeni ngaphezu komunye, kodwa nobabili niyiqembu futhi kufanele nobabili nibe nesivinini lapho nimi khona.
OKUhlobene: Izinhlobo Ezi-4 Zabaphathi...Nendlela Yokuphatha Ukufika Kubo
