16 Ndalama Zimalamulira Mkazi Aliyense Ayenera Kudziwa Pofika Zaka 30

Zamkati

• Gwiritsani ntchito App
• Tsatirani Lamulo la 50-20-30
• Khalani ndi Zinthu Zing'onozing'ono
• Ganizirani za Tsogolo Lanu
• Osawononganso Bili ina ya $ 5
• Pangani Izo Automatic
• Limbanani Naye
• Pangani Thumba la "Walk Away" la $ 1,500
• Dziwani Nambala Yanu
• Mamatirani Chidutswa Chimodzi cha Pulasitiki
• Khalani Nostalgic
• Lekani Kuopa Msika Wamasheya
• Tsatirani Malamulo atatu Ogulira
• Musaiwale Kusunga
• Kubwereka Anzeru Way
• Funsani Kukula
• Onaninso za

Mumasungitsa ndalama ndikusinthana ndi kirediti kadi tsiku ndi tsiku, koma ndalama zimatha kukhala nkhani yoletsa. "Popeza ndalama zaumwini sizimaphunzitsidwa m'masukulu ambiri, ambiri aife sitimaphunzira kalikonse za ndalama tisanayerekeze kuzigwiritsa ntchito," akutero Alexa von Tobel, woyambitsa ndi CEO wa LearnVest, tsamba lokonzekera zachuma. Ndipo ndicho njira yachuma. Tsatirani malamulowa kuti ndalama zanu zikuyendereni bwino, mulimonsemo.

Gwiritsani ntchito App

Malingaliro

Kutsata ndalama zanu ndi sitepe yoyamba yopezera ndalama zanu moyenera, akutero von Tobel. “Monga momwe kusunga diary ya chakudya kumakuthandizani kuti musamadye bwino, kugwiritsa ntchito ndalama kungakuthandizeni kuti musamawononge ndalama,” akutero. Yambani ndi pulogalamu yosamalira ndalama ngati LearnVest. Imalumikizana ndi akaunti yanu yakubanki ndikukupatsani zenera la momwe mumagwiritsira ntchito ndalama. Mutha kukhazikitsa bajeti kuti muwone mwachangu momwe ndalama zanu zimakwanira motsutsana ndi zolinga zanu. Mungadabwe kuti ndi ndalama zingati zomwe zikuwoneka zazing'ono (inde, ndalama za $ 2 ATM!)

Tsatirani Lamulo la 50-20-30

Malingaliro

Gawani ndalama zanu zopita kunyumba (zotsalira pambuyo pa msonkho) m'magulu atatu, akutero von Tobel: zofunika, moyo, ndi zam'tsogolo. Makumi asanu pa zana aliwonse omwe mumabweretsa kunyumba ayenera kupita ku zomwe muyenera kukhala nazo m'moyo - denga pamwamba pa mutu wanu, zogulira, zofunikira, ndi zoyendera. Tumizani 20% ku akaunti yosungira kapena thumba lantchito (zambiri pambuyo pake!), Osapitilira 30 peresenti ku bajeti yanu yamoyo: kugula, kuyenda, kuchita masewera olimbitsa thupi, komanso kusangalala. [Twitani nsonga iyi!]

Khalani ndi Zinthu Zing'onozing'ono

Malingaliro

Osasiya chizolowezi chanu chogwiritsa ntchito khofi kuti musunge ndalama ngati mukuchiyembekezera: Monga momwe zakudya zanjala sizimachepetsera kulemera kwanthawi yayitali, kudula zomwe mumakonda kugwiritsa ntchito ndalama kumatha kukubwezani, akutero Sharon Kedar, wolemba. za Pamapazi Anga Awiri: Buku La Atsikana Amakono Pazachuma Chaumwini. Ingokondani moyenera: Lembani zinthu zakusangalatsidwa kapena zochitika zomwe mukuwononga ndalama ndikuchepetsanso zomwe mumakonda (ndikupindula nazo) zochepa. (Ngati mupita kumalo ochita masewera olimbitsa thupi kamodzi pa sabata, koma mumakonda kutuluka panja, mutha kuletsa mamembala amenewo.)

Ganizirani za Tsogolo Lanu

Malingaliro

Mwina simukuganiza za ma 60 anu muzaka za 20-koma muyenera. M'malo mwake, kusunga tsogolo lanu lopanda ntchito ndi imodzi mwamaganizidwe ofunikira kwambiri pazomwe mungapange 20, atero a von Tobel. Chitani bwino poyambira ndizoyambira. Makampani ambiri amapereka pulogalamu ya 401 (k) kapena 403 (B). Lembetsani ndipo onetsetsani kuti mukuyang'ana pulogalamu yofananira - ndi ndalama zaulere. Njira ina: Roth IRA, komwe mumayika madola amisonkho pambuyo pake. "Ikafika nthawi yopuma pantchito, mutha kutulutsa msonkho," a von Tobel akutero. Pomaliza, akaunti yakampani yogulitsa ngongole ndi chisankho chabwino mukangopeza maakaunti anu 401 (k) ndi IRA, akuwonjezera Kedar.

Osawononganso Bili ina ya $ 5

Malingaliro

Kusunga ndalama sikophweka: Anthu 76 pa 100 aliwonse aku America amakhala ndi ndalama zolipirira, malinga ndi kafukufuku wa 2013 wa BankRate.com. Koma njira yosavuta yoponyera ndalama kubanki ya nkhumba ingaphatikizepo banki yeniyeni ya nkhumba. "Nthawi zonse mukapeza ndalama za madola asanu m'chikwama chanu, ziponyeni mumtsuko m'malo mozigwiritsa ntchito," akutero von Tobel. [Tweet this tip!] Mukamaganiza kuti mukufuna chovala chatsopano kapena mpweya utulutsa, mudzakhala ndi ndalama zoonjezera kuti muchepetse vuto.

Pangani Izo Automatic

Malingaliro

Osati kuwona komwe ndalama zanu zikupita (ahem, makhadi a kirediti kadi) zitha kukhala zowopsa pakupulumutsa mapulani. Koma nthawi zina zimathandiza: Kusintha momwe mungasungire kungatanthauze moolah wamkulu pakapita nthawi. Konzani kusamutsidwa kwa mwezi uliwonse kwa 15 mpaka 20 peresenti ya malipiro aliwonse, von Tobel akutero.

Limbanani Naye

Malingaliro

Kafukufuku akuwonetsa mobwerezabwereza kuti ndalama zimayambitsa ndewu m'mabanja, kusudzulana, komanso kupsinjika kwa moyo. Koma kumenya nkhondo ndi ndalama ndibwino kuposa kukhala opanda ndalama konse-komanso kwabwino kuposa kusayambiranso mutuwo, atero a Kedar. Muyenera kudziwa kuchuluka kwa ngongole za wina ndi mnzake, malipiro ake, ndi ngongole zilizonse. (Kuti mukambirane bwino, yesani mafunso okhudzana ndi zachuma ochokera m'buku la Kedar Pezani Amaliseche Azachuma kuti mudziwe momwe inu ndi mnzanu mumagwiritsira ntchito nzeru zanu.)

Pangani Thumba la "Walk Away" la $ 1,500

Malingaliro

"Ngati mungafune kusiya ntchito yanu, nyumba yanu, kapena mnzanu, pazifukwa zilizonse, izi zikuthandizani kuti mukhale wamphamvu," akutero a Kedar. Popita nthawi, muyenera kukhala ndi ndalama zokwanira miyezi itatu kapena isanu ndi umodzi.

Dziwani Nambala Yanu

Malingaliro

Fess up: Kodi mukudziwa kuchuluka kwa ngongole yanu? Kuphatikiza pa kudziwitsidwa za ngongole yanu, kudziwa kuti nambala yanu kukupangitsani kuti mukhale ndi mwayi wokhala ndi makhadi aliwonse osafunikira omwe amatsegulidwa m'dzina lanu (monga khadi ya Banana Republic). [Tweet izi!] Ngati mupeza kuti mphambu yanu ili yotsika (muyenera kukhala yopitilira 760), ingowongolerani polipira ngongole yanu ya kirediti kadi, ngakhale ikhale $50 pamwezi, akutero von Tobel. Sungani mphambu yanu kuti isaphonye malipiro kapena bilu, ndipo ngati mwabweza mochedwa, muimbireni wobwereketsa kuti akufunseni kuti achotse ndalama zochedwa. Ngati wobwereketsa avomera, ngongole yanu ingakwere.

Mamatirani Chidutswa Chimodzi cha Pulasitiki

Malingaliro

Ndikwabwino kukhala ndi kirediti kadi yomwe mumagwiritsa ntchito komanso yazadzidzidzi, akutero Kedar, komanso khadi yolipira pochotsa ndalama. Makhadi ocheperako angakuthandizeni kutsatira bajeti, popeza mukakhala ndi makadi ambiri, ndalama zomwe mumawononga ndizambiri, akutero.

Khalani Nostalgic

Malingaliro

Ngati mukulephera, onetsetsani kuti mukusunga khadi yanu yakale kwambiri. Kubwereranso kumbuyo mbiri yanu yangongole, ndiye kuti mumapeza bwino, atero Kedar.

Lekani Kuopa Msika Wamasheya

Malingaliro

Kwa nthawi yayitali (zaka zisanu kapena kuposerapo), msika wamalonda wakhala ukuyenda bwino, akutero Kedar. Chifukwa chake ngati muli ndi ndalama yoti mugwiritse ntchito (iyenera kukhala yochepera 5% ya ukonde wanu wonse ndi ndalama zomwe simudzafuna m'zaka zisanu zikubwerazi), pitani nazo. Sindikudziwa kuti tiyambire pati? Kedar akuwonetsa kuyika ndalama mu thumba lazandalama, monga S&P 500, yomwe ndi basiketi yamatumba yomwe imakupatsirani umwini m'makampani ogulitsa kwambiri pagulu ku US

Tsatirani Malamulo atatu Ogulira

Malingaliro

Osagula nyumba pokhapokha mutakhala komweko kwa zaka zosachepera zisanu. Nthawiyi imachepetsa mwayi wotsika mtengo wa nyumba yanu, kuti musataye ndalama mukagulitsa, akutero Kedara. Onetsetsani kuti muli ndi ndalama zokwanira 20 peresenti yolipira. Ndipo sungani ngongole yanu mophweka: Kedar akupangira chiwongola dzanja chokhazikika chazaka 30.

Musaiwale Kusunga

Malingaliro

Pamafunika pafupifupi 3 peresenti ya mtengo wogulira nyumba kusamalira nyumba pachaka, akutero Kedara. Choncho ngati mumawononga ndalama zokwana madola 200,000 panyumba, yembekezerani kulipira pafupifupi $6,000 pachaka pokonza.

Kubwereka Anzeru Way

Malingaliro

Kulembera mwininyumba cheke mwezi uliwonse sikukutaya ndalama, akutero Kedara. M'malo mwake, ikhoza kukhala njira yabwino yopulumutsira ngati mulibe zokwanira kugula. Ingokumbukirani kuti ndalama zokhudzana ndi nyumba ziyenera kukhala 25 peresenti ya ndalama zomwe mumapeza. (Ngati mupanga $50,000, yesetsani kuwononga $12,500 pa renti yanu yapachaka.)

Funsani Kukula

Malingaliro

Amayi ambiri satero, akutero Kedar. Kafukufuku apeza kuti 20% ya azimayi achikulire akuti samakambirana konse za malipiro, ngakhale zitakhala zoyenera. Ndipo ngakhale azimayi atakambirana, samafunsa zambiri: 30% yocheperako kuposa amuna anzawo. Mukukonzekera msonkhano waukulu? Onetsetsani kuti mwawunikira zomwe mwapereka komanso kudzipereka kwanu kukampani yanu, akutero Kedar.

Onaninso za