Linda, Iyaphi Imali? Izinto ezi-4 Ezilimaza Ukuhamba Kwemali Yakho

Nakhu okuvula amehlo okuvela kumeluleki wezezimali uClare Levison, C.P.A. Iqiniso liwukuthi, leyo mikhuba emibi isilahlekisele kakhulu — kocwaningo oluthile lwakamuva, inani elingamaphesenti angama-60 labesifazane abavunyelwe ukuthi banemali esele ekhadini lesikweletu. Singenza kangcono, makhosikazi! Okokuqala, qaphela lezi zingibe ezijwayelekile kakhulu:

Isithombe singaqukatha i-Skirt Clothing Apparel Bag Handbag Accessories Accessory Wheel Machine Umuntu Nomuntu



Indlela yokuphila inyonyoba

Yini: Njengoba umholo wakho ukhuphuka — noma nje kancane - 'indlela yokuphila ingena ngokushesha,' kusho uManisha Thakor, umeluleki wezezimali nongumbhali Thola Ukuhamba zezezimali . 'Ngisho nokunethezeka okufana nesigaba sokuzivocavoca esibizayo kuba' izidingo 'zakho ezintsha,' 'inkinga yangempela emadolobheni athile afana neSan Francisco noma eNew York, lapho izindleko zokuphila seziphezulu kakhulu.



Okufanele ngikwenze: Kuhle ukuthuthukisa indlela ophila ngayo lapho uthola iholo — ngokwesizathu, kusho uLevison. Uthi: 'Faka amaphesenti angama-80 wanoma iliphi iholo emalini oyongile,' usho kanje. 'Okunye imali emnandi; kuqhume konke ngasikhathi sinye noma usakaze. ' Uma ungenaso isabelomali, yenza esisodwa bese unamathela kuso: Sebenzisa amaphesenti angama-50 omholo wakho wokuthatha ekhaya ngezidingo ezinjengerenti, amaphesenti angama-30 kokungeziwe njengokuzijabulisa nokuthenga, namaphesenti angama-20 kokonga nokukhokha noma isiphi isikweletu, kuphakamisa uThakor.



Ukukhipha idina

eyeshadow engcono kakhulu yamehlo ansundu nesikhumba esihle

Yini: Abantu baseMelika abaneminyaka engu-18 kuya kwengama-29 bachitha imali ethe xaxa ekudleni kunanoma iliphi elinye iqembu lobudala— $ 173 ngesonto — futhi badla kakhulu; amashumi amathathu- namashumi amane we-fortysomethings achitha cishe okuningi. Futhi abesifazane bafuna ukudla amaphesenti ayi-10 kaningi kunamadoda. 'Sivumela izidlo zokudlela njengendlela yokuthola abangani, futhi sinamathuba amaningi oku-oda ibhodlela lesibili lewayini noma ngabe siboshiwe,' kusho uCarrie Smith weblog yezimali i-carecents.com.

Okufanele ngikwenze: 'Lwela ukusebenzisa imali engadluli kumaphesenti ayi-15 wemali yakho ozoyithatha ekhaya,' kusho uSmith. Uthola u- $ 50,000 ngonyaka? Lokho kungama- $ 110 ngeviki.



Umlutha okhokha ngokuzenzakalela

ukwahlukanisa imibono yesipho sokuzalwa kubantu abadala

Yini: 'Siqeqeshelwe ukucabanga ukuthi ukukhokhelwa okuzenzakalelayo kwezindleko eziphindaphindwayo kuyasebenza,' kusho uThakor. 'Kodwa ungalahlekelwa yimali eningi ngezinsizakalo ongakaze uzisebenzise.' I-Match.com, ngokwesibonelo, ibiza abanye babasebenzisi bayo imali engango- $ 240 ngonyaka.

Okufanele ngikwenze: Gqamisa konke ukukhokha okuzenzakalelayo esitatimendeni sakho sokugcina sekhadi lesikweletu, kusho uThakor, bese ubheka ukugqagqana — ingabe udinga iSpotify ($ 120 ngonyaka) futhi ISiriusXM ($ 159)? Uma une-HBO ukubuka nje Amantombazane , yithi, ungalahla okubhalisile kuze kufike isizini ezayo bese ugcine isilinganiso esingu- $ 117 ngonyaka.



Umphumela wokusiza-umngane

Yini: Umboza i-latte yakho ye-BFF ephukile noma wehlise u- $ 20 ongeziwe ukugwema ukungahambi kahle kwesheke. 'Kungokwemvelo ukufuna ukuphatha abangane bakho,' kusho uDeborah Small, Ph.D., uprofesa wezokukhangisa nowezengqondo esikoleni samabhizinisi saseWharton. 'Kepha kaningi asiqapheli ukuthi sikwenza kangakanani.'

Okufanele ngikwenze: Khumbula, ezezimali zakho ziza kuqala. 'Uma imali icinene, noma ama-dollar ambalwa angakulahla endleleni,' kusho uDave Ramsey, umbhali wezezimali ophethe uhlelo lwemisakazo. Ukuhlangabezana nomngani ongaphuthi mali? U-Anna Newell Jones — uchwepheshe wezezimali othathe unyaka wonke 'esebenzisa imali esheshayo' ukukhokha isikweletu esingu- $ 23,605- wenza isu: 'Ngingahlangana nabantu emakhonsathini amahhala noma ngihlele izinsuku ze-DIY spa,' usho kanje. Lapho sengikhulume ngakho, ngithole ukuthi abangane bami abaningi banenkinga yokusebenzisa imali futhi. Ukwethembeka kusisize sakwazi ukubhekana nakho — hhayi amahloni. '