Njira 12 Zopezera Ndalama Zolimba
Mabanja ambiri amishonale amakhala pakhomo la ndalama kuti azilipirira ndipo nthawi zina amavutika kuti athe kupeza zofunika pamoyo wawo. Koma pali kusiyana kwakukulu pakati pa icho ndi kukhala wosauka. Podziwa kupanga zosankha mwanzeru za ndalama, mukhoza kuthandiza banja lanu kukhazikitsa bata la ndalama pazomwe mukuchita muutumiki. Nazi momwemo:
01 Pangani Kuphunzira Za Ndalama
Ngakhale ambiri a ife timaphunzira za masewero a geometry, sayansi, ndi zinenero kusukulu, sitidziwa kuti tingasamalire bwanji ndalama zathu. Izi zikhoza kufotokoza chifukwa chake anthu ambiri amapeza mavuto azachuma. Yambani kuphunzira maphunziro azachuma tsopano ndipo mutenge maphunziro ambiri azachuma omwe mungapeze. Mukamaphunzira zambiri za ndalama, kuyendetsa ndalama, masitolo, ndi kukonzekera ndalama, ndi bwino kuti mukhale ndi tsogolo. 02 Lowani Pulogalamu za Financial Perk
Boma limapereka mapulogalamu ochuluka a ndalama kuti athandize mamembala kukhala-ndi kukhalabe olimba. Koma antchito ambiri samagwiritsa ntchito pulogalamuyi. Tikukulimbikitsani kuti muyambe Ndondomeko Yabwino Yopulumutsira (TSP) kapena A Accounting Retirement Account (IRA) kudzera ku USAA kapena Navy Federal. Izi ndi ndondomeko zopulumutsa zomwe zimakulolani kuyika gawo lina la ndalama iliyonse ku akaunti imene sungakhoze kuigwira mpaka mutapuma pantchito (pokhapokha ngati mukufuna kulipira ndalama zambiri ndi chilango). Nkhanizi zidzalola kuti ndalama zanu zikule mofulumira kusiyana ndi akaunti ya ndalama. 03 Sungani Ndalama Pa Mapulogalamu
Kukhala woyendetsedwa ndi kovuta mokwanira; kuyesa kulipira ngongole ndikuyang'anira boloki pa nthawi yomweyo ndi kovuta kwambiri. Amuna ogwira nawo ntchito nthawi zambiri amakhala ndi nthawi yosavuta chifukwa ali ndi mwamuna yemwe angathe kusamalira ndalama. Komabe, nkofunika kuti okwatirana azigawana zonse zachuma ndi zisankho kuti athe kupanga zosankha mwanzeru pankhani ya ndalama ngati mmodzi wa iwo akugwiritsidwa ntchito. Ngati simunakwatirane, musanayambe ntchito, funsani mnzanu wodalirika kapena wachibale kuti aziyang'ana pa ndalama zanu kamodzi panthawi kuti athe kulipira ngongole yanu yonse ndi nthawi. 04 Chitani Choyenera Ndi Ufulu wa Pakhomo
Kukhala ndi nyumba kungamveke ngati malingaliro abwino, makamaka ngati mukuyenerera ku ngongole ya VA ndipo simukuyenera kulipira kapena kulipira inshuwalansi yachinsinsi. Koma ngati mukugwira ntchito ndi kusuntha zaka zingapo, kugula nyumba pakali pano sikungakhale chisankho chopambana kwambiri. Ngati mukuyenera kusunthira, kugulitsa nyumba yanu kungatenge nthawi yaitali kuposa momwe mukuganizira ndipo mungathe kugulitsa zochepa (kapena kutayika). Ndipo ngati mulibe chosankha koma kubwereketsa katundu, mutha kukhala ngati mwini nyumba, yomwe ndi vuto lalikulu. Kwa antchito ambiri, kubwereka ndi chinthu chabwino pazaka zomwe mukuyenda mozungulira kwambiri. 05 Thandizani Wokondedwa Wanu Pezani Ntchito Yokwanira
Chifukwa cha maulendo onse omwe amasamukirapo, ambiri okwatirana akumenyera nkhondo kuti apeze ntchito yowonjezereka. Ndi kovuta kupeza ntchito yomwe ingakulole kuti ugwire ntchito kuchokera kunyumba kapena kutalika komwe kumaperekanso bwino. Amuna ambiri okwatirana akhala akukonzekera kudya, kugulitsa, kapena ntchito zina zofunikira kuti athe kubweretsa ndalama zambiri. Limbikitsani mnzanuyo pazochuma zake. Iye adzamva bwino kwambiri ngati atanganidwa ndi kuchita zinthu zomwe amasangalala nazo. Limbikitseni kuti ayambe bizinesi yaying'ono , agwire ntchito ngati freelancer, kapena apereke ntchito kuchokera kunyumba yomwe idzapindulitse ena. 06 Pewani Zomwe Mungathe Kulipira Padzikoli
Malo awa ali ngati kukulonjezani inu mwezi, koma chiwongoladzanja chawo chiwongoladzanja chikukwera pamwamba ndipo chikukwera tsiku lirilonse. Mukamalowa, n'zovuta kusiya. Kodi mumakonda kwambiri Ndi bwino kupewa malo awa palimodzi. M'malo mwake, sungani nokha ndalama zokha kuti muthe kulipira zinthu zazikulu kapena yesetsani kuti mukhale ndi khadi la ngongole. 07 Kusungira Tsiku Lotsutsa Lotsutsa
Kulankhula za ndalama, ndizofunika kukhala ndi zina! Zingakhale zokhazokha kuti ndalama zonse zilipiridwe ndikukhalabe ndi ndalama zogulira, koma ngakhale mutakhala pambali pamwezi uliwonse, zidzakulira patapita nthawi. Mukhoza kukhazikitsa akaunti yanu yochezera kuti mutengere ndalama zanu pamwezi uliwonse. Mwanjira imeneyo, simudzaphonya ndalamazo ndipo ndalama zanu zidzapidwabe. 08 Sakanizani chakudya
Kudya chakudya chamasana kapena khofi tsiku lirilonse kungawoneke ngati ndalama zingapo pano ndi apo, koma pakapita nthawi, mutha kugwiritsa ntchito ndalama zambiri pamwezi mukadatha kubweretsa chakudya chamasana kuchokera kunyumba. 09 Pezani Gasi Pachiyambi
Kulepheretsa momwe mukuyendetsa galimoto kungakhale njira yabwino yosungira ndalama ndipo potero mungathe kusankha malo abwino odzaza thanki yanu. Kugula gasi pamtanda kukupatsani mtengo wabwino kwambiri wa ndalama zanu, choncho pangani ndondomeko yosungira apo, ngati kuli kotheka. Gulani Zogulitsa
Musanayambe kugula kanthu, onetsetsani kuti mukupeza bwino. Fufuzani malipoti a ogula, ndondomeko zamagulitsidwe, malonda a pa intaneti, ndi mauthenga a rebate kuti muonetsetse kuti simukulipiritsa ndalama zambiri. Pa nthawi yomweyo, taganizirani kawiri musanagule zinthu zomwe simukusowa nthawi yomweyo. Tengani tsiku kuti muganizire za izo, ndipo ngati simungakhoze kukhalabe popanda chinthu chomwe mukufunsidwa, bugulireni. Nthaŵi zambiri, zinthu zomwe sizili zofunikira sizili kanthu kwa ife kamodzi tikakhala kunyumba kuchokera ku sitolo. 11 Lowani ku Inshuwalansi ya Moyo
Asilikali amapereka chithandizo chosangalatsa pa inshuwalansi ya moyo. Inshuwalansi ya Moyo wa Gulu la Atumiki (SGLI) imakhala ndi ndalama zokwana 6.5 senti pa $ 1,000 patsikuli (ndi $ 312 / chaka kwa $ 400,000). Inshuwalansiyi imapezeka kwa onse otumikira, mosasamala kanthu za msinkhu wawo, thanzi lawo, kapena mwayi wopezeka. Ngati mulibe kachilombo ka SGLI, tengani tsopano. Ndi mbali yofunikira ya kukonzekera tsogolo la banja lanu. Gwiritsani Ntchito Mapindu a Misonkho
Chimodzi mwa zinthu zabwino kwambiri zankhondo sikuyenera kubweza misonkho pazopindula panthawi imene akugwiritsidwa ntchito. Ngati mukuika moyo wanu pamzere, zomwe boma lingathe kuchita ndikupatsani misonkho. Yesetsani kuyika ndalama zochuluka zopezera msonkho ku Roth IRA. Zaka makumi angapo kuchokera tsopano, pamene mutenga ndalamazo, zonse zomwe mumapeza sizidzakhalanso misonkho. Kupuma kwa misonkho kumodzi kwa asilikali kumatha kukhalabe malo amodzi ngakhale mutasamukira kwinakwake. Ngati, mwachitsanzo, ndinu wokhala mdziko la msonkho ngati Texas ndipo mumasunga malo okhalamo, simudzasowa kulipira msonkho wa boma mu boma lina lililonse, mosasamala za msonkho wawo. Kutsiliza
Kukhala wodalirika muzolimbana ndi ankhondo sikuli chinthu chophweka kwambiri kuchita, koma ngati uli wakhama, wanzeru, ndikugwiritsa ntchito phindu limene wapatsidwa, iwe udzakhala wopambana pa nthawi yako mu usilikali.