Mukapeza kukweza kapena kukwezedwa , nthawi zambiri mumapatsidwa malipiro anu pachaka kapena kuwonjezeka kwa malipiro anu ola limodzi. Mwanjira iliyonse, chiwerengerocho chingamve bwino pamapepala. Ali panjira, mukhoza kupanga ndondomeko yodalirika yokhudza zomwe mudzachite ndi ndalama kapena zomwe mukufuna kuzipanga ndi ndalama zanu zatsopano.
Koma pamene malipiro atsopano awo atsopano akuzungulira, mukhoza kukhumudwa. Ndalama zomwe mukuyembekeza zikutha, koma kuwonjezeka kwa kubweza kunyumba kumakhala kochepa kwambiri kuposa momwe mumaganizira. Pansipa, tikufotokozera momwe mungamvetsere ndalama zanu ndikudziwa komwe ndalama zanu zonse zikupita.
01 Kukula ndi Misonkho Yanu
Pokhapokha ngati mutatsala pang'ono kusunthira msonkho wamisonkho, msonkho wanu wa msonkho (kapena msonkho wa msonkho) sudzapita.
Komabe, kuchuluka kwa misonkho yomwe imachokera ku malipiro anu kudzakwera, chifukwa cha kuwuka kwanu. Kumbukirani kuti misonkho imene mwasankha ndikukhala peresenti ya malipiro anu onse, choncho ngati malipiro anu akuwonjezeka, mutero misonkho yanu.
Mungayese kuchepetsa malipiro omwe mumalipira misonkho. Fufuzani zomwe mungachite kuti muchepetse ndalama zomwe mumapeza , monga kuwonjezerapo zopereka zanu zapuma pantchito kapena kutsegula akaunti yosamala yogwiritsira ntchito panthawi yolembetsa. Zosankhazi zingachepetse ndalama zomwe mumalipiritsa misonkho chifukwa zonsezi zimachotsedwa pa msonkho wanu. Komabe, izi sizowonjezera malipiro anu apakhomo, ndalama zokha zomwe mumalipira misonkho.
02 Mmene Mungadzakulire ndi Kupuma kwanu
Anthu ambiri saganiza kuti phindu lawo lopuma pantchito lidzakwera pamene adzakweza. Kupereka kwanu pantchito ndi chiwerengero cha malipiro anu aakulu. Izi zikutanthauza kuti monga malipiro anu akuchulukira, zopereka zanu zopuma pantchito zidzawonjezereka. Ngati mwalandira posachedwa ndipo mukukhumudwa kuti malipiro anu a pakhomo sanawonjezerepo, yesani kuwonjezera ndalama zanu zopuma pantchito. Pitirizani kukumbukira malire a 401 (k) s ndi IRAs.
Akatswiri amanena kuti muyenera kupereka gawo lomwe abwana anu amatsata ndi 401 (k), ndipo mumatulutsa zopereka zambiri ku IRA, koma mungathenso kupereka zambiri mukangomaliza. Ino ndiyo nthawi yabwino kuti muwonjeze zopereka zanu zapuma chifukwa simungathe kuphonya ndalamazo.
Izi zimalola kuti kuwuka kwanu kupita kuntchito kwa inu ndi tsogolo lanu. Zingakhale zokhumudwitsa chifukwa simungathe kuziwona pakalipano, koma mudzasangalala kuti munapereka ndalama zanu panthawi yopuma pantchito.
03 Kupitiliza Kuwuka
Anthu ambiri amathera zambiri zomwe amapeza, mosasamala kanthu kuti amabweretsa ndalama zotani panyumbapo. Mukangoyamba kukweza, mungadabwe kuti mumagwiritsa ntchito ndalama zanu mwamsanga musanayambe kukweza.
Mutha kudzipeza nokha pamene mukupeza malipiro abwino, koma mwinamwake mukulimbanabe. Ziribe kanthu kuti mumapeza ndalama zochuluka bwanji, muyenera kumamatira bajeti ya mwezi uliwonse kuti muwonetsetse kuti musagwiritse ntchito ndalama zanu zonse komanso kuti mukhalebe ndi zolinga zanu zachuma, osati kungopeza ndalama zonse zomwe mukupeza.
Ngakhale mutayesa splurge kuti choyamba kubwezera pambuyo kuukitsidwa, nkofunika kusintha, ndi kumamatira, bajeti yogwira ntchito. Mukangomaliza kulipira kwanu, mukhoza kupanga bajeti yowonjezera, yomwe ingakuthandizeni kuti musamve ngati mulibe kanthu koti musonyeze kuti mukugwira ntchito mwakhama. Mukhozanso kuwonetsa ndalama zowonjezerapo ndikuziika ku cholinga chachikulu chachuma, monga kuchoka ku ngongole kapena kukantha cholinga chachikulu chopulumutsa, kapena kugula nyumba.
Ngati simunagwire ntchito, mutha kukwaniritsa zokwanira, koma mukufunikirabe bajeti yolimba mpaka mutapeza ndalama zanu kumbuyo. Izi zingatenge ntchito ndi nthawi, koma kuchita tsopano kudzakuthandizani kuika patsogolo ntchito yanu komanso mbali zina za moyo wanu m'tsogolomu.
04 Kulimbitsa
Mukangokweza kapena kukweza , nkofunika kuti mupitirize kugwira ntchito mwakhama ndikukhala ndi maganizo abwino, zonse zomwe zakhala zikukulimbikitsani. Ikhoza kukuthandizani kuti mupitirize kusunthira mu kampani ndikuwonjezera mphamvu yanu.
Komanso kumbukirani kuti palibe ntchito yotsimikiziridwa, ngakhale mutalandira posachedwapa. Kotero ndibwino nthawi zonse kukhala wokonzeka kusintha ntchito ndikusunga luso lanu panopa. Komanso, onetsetsani kuti ndalama zanu zozunzikirapo zingathe kubweretsa miyezi 6 yokhala ndi ndalama zogwiritsira ntchito, momwemo ngati mutayika ntchito yanu pansi pa mzere, simudzakakamizika kulowa mu ngongole kuti mukhalebe.