Mukufuna Nthawi Yochulukirapo, Chikondi & Mphamvu?

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Ndani sakonda kuyenda mu Costco kapena Sam's Club akusilira nsanja zochuluka? Zomwe timapereka kuzotupa zathu, ambiri aife sitiyimira kuti tiwonetsetse kuti nkhokwe zathu zamkati zakwana ndikukonzekera nthawi zovuta. Kungokhala ndi nthawi yokwanira kapena kungosunga ndalama zokwanira kungakuthandizeni kukhala ndi nkhawa.

"Koma mukamadzisamalira nokha ndikupanga nkhokwe m'moyo wanu," akutero Beth Rothenberg, mphunzitsi wa moyo ku Los Angeles, kukhala ndi moyo wabwino "kumadzadzani ndi mphamvu zambiri kuposa momwe mungaganizire." Ndicho chifukwa chake tabwera ndi zinthu zinayi zomwe mungachite tsopano kuti mukhale ndi nthawi yokwanira, chikondi, ndalama ndi mphamvu kuti muthane ndi chilichonse chimene chingakubweretsereni. (Ganizirani izi ngati Costco ya moyo wanu!)

1. Khalani ndi nthawi yopuma

Sungani mphindi 30 tsiku lililonse. Kukhazikitsa theka la ola la nthawi yopanda kudzipereka pa kalendala yanu kumatha kuwoneka ngati kofunika, koma ndi nthawi yomwe mungagwiritse ntchito momwe mungafunire, kaya mwadzidzidzi - monga kuthana ndi vuto losayembekezereka kuntchito - kapena kukonzanso poyenda kuyenda kopatsa mphamvu. Zotsatira zake: kumverera kodziletsa - komanso kupsinjika pang'ono - pamachitidwe anu atsiku ndi tsiku.

2. Kwezani chikondi

Anzanu ndi mnzanu akuyenera kukhalapo panthawi yomwe mumawafuna, sichoncho? Kumene. Koma simungangowatsekera pomwe ali okonzeka kugwiritsidwa ntchito. "Ubwenzi uyenera kusamaliridwa monga momwe ungagwirizanitsire aliyense," akutero Rothenberg. Tengani nthawi sabata iliyonse kuti mugawane ndi wokondedwa wanu: Yankhani imelo ya mnzanu kale (ngakhale mwachidule), ndipo muziimbira foni kamodzi patsiku kuti moni. Zinthu zing'onozing'onozi zimakuthandizani tsiku ndi tsiku, ndipo kucheza kwanu kumakupatsani thanzi, bata komanso chisangalalo.

3. Kokani ndalama zowonjezera

Simungadziwe nthawi yomwe mudzayenera kulipirira ndalama zamwadzidzidzi, tikiti yothamanga kapena mphatso yakusamba mkwatibwi. Chifukwa chake kukhala ndi khushoni yandalama - m'malo molipira malipiro amoyo - kumakupatsani mwayi wopeza zomwe zachitika modzidzimutsa ndikugona bwino usiku. Gawo loyamba: Gwiritsani ntchito chilichonse chomwe mwabisala kuti mulipire makhadi anu; chiwongola dzanja chapamwamba chazaka zonse chimachotsa chiwongola dzanja chomwe mumalandira muakaunti yakubanki. Kenako yambani kupulumutsa tsogolo lanu: Lipirani ma max 401 (k) a kampani yanu, ndikuyika ndalama zomwe mungakwanitse kusungitsa ndalama m'misika yama stock.

Dayana Yochim, wopanga wamkulu wazachuma ku The Motley Fool, malo ophunzirira zandalama, "akupitilira ndalama zambiri zomwe amagawana ndipo amalipira ndalama zochepa." "Vanguard ndi kampani yabwino kuyamba nayo, ndipo makampani ena amakulolani kuti mutulutse ndalama zanu, monga $ 100 pamwezi." Simudzazindikira kuti ndalama zapita - mpaka mudzazindikira kuti muli ndi ma G kubanki. Kuti mumve zambiri, onani fool.com ndi vanguard.com.

4. Limbikitsani masitolo anu amphamvu

Kuti muwonjezere mphamvu zanu, zigwiritseni ntchito pazinthu zomwe zimakupatsani mphamvu. “Ndimachitcha kudzisamalira mopambanitsa,” akutero Rothenberg. Pangani "mndandanda wazakudya" za zinthu 15 zomwe simumachita kawirikawiri - werengani buku lonyansa, idyani nkhomaliro panja kapena konzani maluwa. Kenako chitani chinthu chimodzi tsiku lililonse. Ndipo yesetsani kuchepetsa ntchito zomwe zimakutopetsani. Rothenberg akuti: "Ngati china chake chikuwononga mphamvu yanu, onani ngati pali njira yomwe mungawagwirire nawo ntchitoyi polipira wina kapena kugawa," akutero Rothenberg. "Ngati sichoncho, chitani ndipo musiye kudandaula nazo."

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