Malangizo Opulumutsa Ndalama Kuti Muzikhala Wokwanira Pazachuma

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Pangani chaka ichi kuti mukhale pamwamba-kapena patsogolo-ndalama zanu. "Chaka chatsopano sichimangotanthauza kuyambiranso kwophiphiritsira, kumatanthauzanso kayendedwe kachuma chatsopano malinga ndi mabungwe azamalamulo ndi mabungwe, zomwe zimakupatsani mwayi wogwira ntchito kuti muthe kugwiritsa ntchito bwino ndalama zanu," akutero katswiri wazachuma Pamela Yellen, wolemba Banki YOKHUDZA INU. Njira yabwino yosinthira zinthu zanu kukhala mawonekedwe? Pewani zomwe Yellen amachitcha "kukhazikitsa zolinga mochedwa": zolinga zosamveka bwino, zosadziwika bwino monga "Ndikufuna kusunga zambiri" kapena "Ndikufuna kuwononga ndalama zochepa." M'malo mwake pangani ndalama zenizeni, zopindulitsa monga zomwe zafotokozedwa pano. Takonzeka kukhazikitsa maziko anu? Pitirizani kuwerenga. (Kenako, onani Malamulo 16 A Ndalama Amene Mkazi Wonse Amayenera Kudziwa Pofika Zaka 30.)

Pezani Tsogolo Lazachuma

Tonse tiyenera kudziwa kuyembekezera zosayembekezereka, sichoncho? Ambiri aife, komabe, sitinakonzekere zachuma pazomwe zingafune. Ngati mulibe kale, pangani thumba la tsiku lamvula. Chotsani momwe mungathere kuti muwonetsetse kuti muli ndi ndalama pakagwa zinthu ngati zachipatala kapena kukonza nyumba.

Kodi muyenera kuchotsa ndalama zingati? Yellen akuwonetsa kugwiritsa ntchito Lamulo Lopulumutsa la 40/30/20/10. "Kwenikweni, izi zikutanthauza kuyika 40% ya zomwe mwapeza kuti mugwiritse ntchito, 30% ya ndalama zosunga kwakanthawi (zinthu zomwe mungafune miyezi isanu ndi umodzi ikubwerayi, monga tchuthi, misonkho, kapena mipando yatsopano), 20% ya ndalama zosungira nthawi yayitali (thumba lanu lachiwopsezo), ndipo 10 peresenti amasinthasintha ndalama kuti agwiritse ntchito "zofuna" (monga zangongole zatsopano!) Dulani chowerengera kuti muwone kuchuluka kwa ndalama kuchokera pamalipiro aliwonse amapita komwe, kenako perekani. pogawa zomwe mumapeza mwezi uliwonse, atero Yellen.

Sungani Ngongole

Nkhawa ya ngongole ndi yosathawika. Nthawi zonse imakhalapo, ziribe kanthu kuti mumanyalanyaza chiyani, kukuwonongerani inu-komanso ufulu wanu wachuma.Simudzakhala pamwamba pazachuma chanu pokhapokha mutatuluka kufiyira ndikuda. Pewani ngongole yanu poyambira kulipira zochuluka kuposa zomwe mumalipira pa kirediti kadi yanu. Mwa kungowonjezera kulipira kwa $ 37 mpaka $ 47 mwezi uliwonse pa ngongole zokwana $ 1,500, mutha kusunga ndalama zoposa $ 1,200 mu chiwongola dzanja ndikulipira ngongole yanu pafupifupi zaka 10 posachedwa.

Limbikitsani Bajeti Yanu

Kusagwiritsanso ntchito ndalama mosasamala. Tsatirani momwe mumagwiritsira ntchito ndalama zanu ndikukonzekera bajeti mosavuta ndi akaunti ya Mint.com. Komanso, khazikitsani zolimbikitsira komanso zotsatira pazogwiritsa ntchito ndikusunga ndalama zanu. Kukhazikitsa cholinga chosungira pa GoalPay.com kungakuthandizeni kuti mukhale ndi mlandu, chifukwa anzanu ndi abale anu akhoza kulonjeza ndalama zomwe mudzapeza mukakwaniritsa cholinga chanu.

Kodi mumavutika kukhala ndi ndalama zomwe mumapeza? Yang'anani pamtengo uliwonse kuti mupeze njira yochepetsera-kubweretsa chakudya chamasana kuti mugwire ntchito m'malo mogula, sankhani malo ogulitsira mankhwala osokoneza bongo m'malo mwa masitolo ogulitsa, ndikusiya chizolowezi chanu cha Starbucks. (Onani Save vs. Splurge: Zovala Zolimbitsa Thupi ndi Gear kuti muwone zomwe zili zoyenera ndalama zambiri.) Ndipo Yeller akusonyeza kuti mungathe kukhalanso ndi mlandu pobweretsa anthu m'ngalawa ndi inu. "Khalani ndi msonkhano wamalipiro azachuma mwezi uliwonse tsiku lomwelo mwezi uliwonse, kapena sankhani mnzanu kapena wachibale yemwe mudzagawana naye zolinga zanu ndikudzipereka kuti muwafotokozere zomwe mwachita," akutero.

Sungani Ndalama Zomwe Mumapuma pantchito

Amayi, ndi nthawi yoti muwunikenso dongosolo lanu lopuma pantchito. Gwiritsani ntchito cholembera pantchito, monga iyi pa Bankrate.com, kuti mudziwe ngati muli paulendo wokhala ndi nthawi yokwanira yopuma pantchito. Yang'anani ndi mlangizi wazachuma wa pulani yanu kuti muwonetsetse kuti zomwe mwagawira (momwe ndalama zanu zimayikidwira) ndizoyenera zolinga zanu. Komanso, onetsetsani kuti mukuyang'ana momwe amalipiritsa 401 (k) anu. "Pali zolipira zambiri zobisika, ndipo mukufuna kukhala otsimikiza kuti mukudziwa momwe dongosolo lanu likugwirira ntchito zosowa zanu," akutero Yellen.

Gwiritsani Ntchito Chikwama Chanu

"Pangani kudzipereka kwanu kuganiza musanagwiritse ntchito," akutero Yellen. "Phunzirani kusiyana pakati pa chosowa ndi chofuna kuti musamagule zinthu zomwe sizikukwaniritsa zosowa zanu zenizeni." M'malo mongoganizira za kuwononga ndalama, yang'anani pa kupulumutsa-ngati mutayamba kuchotsera 10 peresenti pamalipiro aliwonse kuti musangalale ndi zinthu zosangalatsa monga chakudya chamadzulo kapena chovala chatsopano, bajeti yanu idzakhala yokonzekera kale ndalamazi ndipo simudzapanga zatsopano. ngongole. Ndipo ndizofunika kulemera kwa golide.

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