Chifukwa Chake Kugwira Ntchito Pazachuma Chanu Ndikofunika Kwambiri Monga Kugwirira Ntchito Kulimbitsa Thupi Lanu

Zamkati

• Pezani mphunzitsi.
• Pangani maphunziro azachuma gawo lanu lodzisamalira.
• Dziperekeni masiku ophunzitsidwa.
• Lembani ulendo wanu ndikusangalala ndi ulendowu.
• Onaninso za

Tangoganizani: Ngati mutayendetsa bajeti yanu molimba mtima momwemo ndikuyang'ana kwambiri pa thanzi lanu, simukanakhala ndi chikwama chandalama, koma ndalama zosungiramo galimoto yatsopano yomwe mukufuna, amirite? Malo amodzi akufuna kukuthandizani kuti musinthe momwe mumaganizira za thanzi lanu, pogwiritsa ntchito njira "zophunzitsira" ndi zida zomwe mungagwirizane nazo ndi chipinda cholemera kapena mpikisano wamtunda.

Financial Gym, yomwe idakhazikitsidwa ndi katswiri wazachuma Shannon McLay, imaphunzitsa ndikulimbikitsa "minofu yamakasitomala" yamakasitomala awo kuti athe kutsitsimutsa kasamalidwe ka chuma. Mutha kusankha kuchokera pamiyezo itatu yosiyana ya maphunziro a zachuma m'modzi-m'modzi, malingana ndi komwe muli mu ndalama zanu zaposachedwa za koleji vs. banja lokwatiwa, mwachitsanzo-ndipo mudzagwira ntchito ndi mlangizi wanu, kaya payekha ku NYC, pa Skype, kapena kudzera pa intaneti, kwa miyezi itatu yocheperako. Njira yokhayo pa intaneti imapezeka kuyambira $ 85, pomwe mamembala omwe akukwera akupitilira pamenepo. "Anthu ambiri amamvetsetsa zolinga zolimbitsa thupi monga kuphunzitsidwa pa mpikisano wa marathon kapena kuchepetsa thupi, koma samamva ngati akumvetsa ndalama," akutero McLay, yemwe akuti mafananidwe olimbitsa thupiwa amathandiza kuchepetsa ndalama komanso kuyika ndalama kwa makasitomala ake.

Chifukwa chake tidamupempha kuti agawane zomwe amakonda "Cash Cardio" zomwe mungayesere kunyumba kuti musunge ndalama zambiri.

Pezani mphunzitsi.

McLay akuti kukhudzana ndi munthu m'modzi ndi mphunzitsi wolimbitsa thupi kumapangitsa kusiyana kwakukulu. "Ndikosavuta kuzimitsa pulogalamu kapena tsamba lawebusayiti, koma ndizovuta kuti mupewe munthu amene wakhala patsogolo panu ndikukuyimbani mlandu pazisankho zomwe mukupanga," akutero. "Timakonda kunena kuti ndife a Jillian Michaels a ndalama zanu. Mwina simukonda nthawi zonse kulimbikira komanso kudzipereka, koma mukonda zotsatira zake kumapeto."

Pangani maphunziro azachuma gawo lanu lodzisamalira.

"Ndimakhumudwa kwambiri kuti amayi saika patsogolo thanzi lawo lazachuma monga momwe amachitira ndi thanzi lawo ndi thanzi lawo," akutero McLay. Akuti kusokonekera kwa kachitidwe kachikalekale komanso maudindo a amuna ndi akazi kungapangitse kuti maphunziro azachuma akhale ovuta komanso osasangalatsa kwa amayi. "Thanzi lazachuma limatha kukhala losangalatsa komanso lachiwerewere monga thanzi lathu, ndipo ndikofunikira kwa ife kulumikizana ndi azimayi, makamaka popeza azimayi amakhala ndi moyo wautali, amakhala ocheperako poyerekeza ndi amuna, ndipo amalipira pafupipafupi katundu ndi ntchito zomwe zimalunjika makamaka kwa azimayi. "

Dziperekeni masiku ophunzitsidwa.

Monga momwe kukhala ndi thanzi labwino kumatengera nthawi, mphamvu, ndi kudzipereka, momwemonso kuti mukhale ndi thanzi labwino kumafuna nthawi. McLay ikukulimbikitsani kuti mupange nthawi yophunzitsira ndalama ndi ntchito sabata yonse, monganso momwe mungachitire masewera olimbitsa thupi komanso masewera olimbitsa thupi. Lembani masiku awiri kapena atatu pa sabata kuti mugwiritse ntchito ndalama ngati masiku osagwiritsa ntchito kapena masiku okhawo a ndalama. Mukamachita zambiri, zimakhala zosavuta. (Zokhudzana: Kodi mumadziwa kuti kusweka kumayambitsa kupweteka kwathupi?)

"Kumbukirani kuti bajeti zili ngati zakudya. Palibe amene akufuna kukhala pa imodzi, koma amakupatsani lingaliro labwino momwe mungagwiritsire ntchito ndalama zanu ndikukhala athanzi," akutero. "Monga momwe mungadzipimitsire nthawi zonse kuti muwone momwe thupi lanu likuyendera, muyenera kuyang'anitsitsa thanzi lanu lazachuma nthawi zonse. Mukamayesa, fufuzani zonse zomwe muli nazo monga maakaunti aku banki, maakaunti oyika ndalama, komanso nthawi yopuma pantchito. maakaunti, onaninso ngongole zanu ngati makhadi angongole ndi ngongole za ophunzira, komanso onaninso kuchuluka kwanu kwa ngongole. "

Lembani ulendo wanu ndikusangalala ndi ulendowu.

Mukudziwa zithunzi zonse za #TransformationTuesday zomwe mumaziwona zikulemba nkhani zanu? Zotsatirazi sizinachitike mwadzidzidzi, koma mnyamata ndizosangalatsa kuwona "pambuyo pake" komanso "pambuyo pake" pambuyo pa ntchito yonse yolimba. McLay akunena kuti muyenera kulemba ulendo wanu wachuma mofananamo, kuti muzindikire zomwe mwakwaniritsa ndi zolepheretsa kuti mukakwaniritse cholinga chanu (monga kungokhala ndi ulamuliro pa ndalama zanu), mutha kukumbukira ntchito zonse zomwe munachita kuti mukafike kumeneko. "Anthu sazindikira kupsinjika kwamaganizidwe a ndalama-ndipo mukayamba kuyilamulira, kupsinjika kumatha," akutero. Chifukwa chake siyani kuponya ndi kutembenuza mwezi uliwonse pomwe kirediti kadi yanu ndi renti zimayenera kubwera nthawi yomweyo, ndipo yambani kugwiritsa ntchito nkhawa yanu ngati cholimbikitsira kupeza ndalama.

Onaninso za