Muli ndi ngongole yaying'ono yomwe imakuyang'anani kumaso nthawi zonse mukamayang'ana akaunti yanu yakubanki, koma mulinso ndi akaunti yosungiramo zomwe mungachite kuti muwonjezere. Ndalama zochulukirapo zikafika mwadzidzidzi, ndi foloko yandalama pamsewu: Kodi muyenera kulipira ngongole kapena kusunga? Yankho, malinga ndi Jennifer Barrett, mkulu wa maphunziro ku Acorns , tsamba lodzipatulira kukuthandizani kulimbikitsa mfundo yanu, ndilosavuta kuposa momwe mukuganizira.
Zomwe Muyenera Kuziika Patsogolo Zonse Zimatengera Chiwongola dzanja Chanu
Mukafuna kubweza ngongole kaye kapena kusunga, choyambira ndikumvetsetsa bwino za ngongole yomwe muli nayo, akufotokoza Barrett. Koma zimenezi zimafuna zambiri osati kungoyang’ana pa mlingo wanu. Muyenera kuwerengera kuchuluka kwa ndalama zomwe mukulipira pachiwongola dzanja pa ngongoleyo, kenako yesani kutsitsa chiwongola dzanjacho momwe mungathere.
Ngongole ya khadi la ngongole ikhoza kukhala ndi chiwongola dzanja chapachaka cha 16 peresenti—chimene chiri avareji yamakono—kapena kuposa pamenepo, akutero Barrett. Chiwongola dzanja chambiri chikhoza kuwonjezera kwambiri zomwe muli ndi ngongole ndikupangitsa kuti zikhale zovuta kulipira, makamaka ngati mukungolipira zochepa.
Mukakhala ndi chiwongola dzanja chokwanira (kutanthauza kuti simukusonkhanitsa ngongole zambiri kuposa zomwe mukulipira mwezi uliwonse), muli ndi mwayi wopereka ndalama ku ngongole ndi kusunga nthawi yomweyo.
Mfundo yofunika kwambiri: Posankha zinthu zofunika kuziika patsogolo—ngongole ndi kusunga—kulipira ngongole za chiwongola dzanja chachikulu kuyenera kukhala patsogolo nthawi zonse.
Momwe Mungathetsere Ngongole Yachiwongola dzanja Mofulumira
Barrett akulangiza kuti muwononge kwambiri ngongole yachiwongola dzanja cha chiwongoladzanja chachikulu mwa kusamutsa ndalama zokhala ndi chiwongola dzanja chachikulu kupita ku khadi lachiwongola dzanja chochepa (kapena, kwakanthawi kochepa, kopanda chiwongola dzanja) kudzera mu kubweza ngongole.
Koma mutha kuyimbiranso wopereka kirediti kadi mwachindunji ndikukambirana za mtengo wocheperako kuti musunge bwino ndikusamutsa. (Onetsetsani kuti mwachita homuweki yanu ndipo muli ndi mwayi wosinthira ndalama zomwe mwakonzekera - kutanthauza kuti mwachita masamu pamalipiro aliwonse - kotero mutha kuwakakamiza kuti agwirizane nawo.)
Kumbukirani: Chiwongola dzanja chanu cha kirediti kadi ndichofunikanso kwambiri ngati mukufuna kutseka chiwongola dzanja chabwino.
Zogwirizana: Ndidadula Ngongole yanga kuchokera pa 590 mpaka 815…Umu ndimomwe
Mukachepetsa Chiwongoladzanja Chanu, Lipirani Ngongole *ndi* Sungani
Ino ndi nthawi yoti musankhe zomwe zidzachitike mwadzidzidzi. Per Barrett, mukangokambirana ndikutsitsa chiwongola dzanja chanu momwe mungathere, cholinga chanu chizikhala kubweza ngongole zomwe mwapeza mwachangu momwe mungathere. Izi zati, ndikwanzeru kusunga ndikuyika ndalama pang'ono nthawi yomweyo. Mwanjira iyi, simukuchita zonse zomwe mungathe kuti mufike pa zero. Mukamalipira ngongole yanu, mulinso ndi ndalama zomwe mukuzichotsa zomwe zikukula. Mwa kuyankhula kwina, muli ndi chidwi chogwira ntchito kwa inu, osati kungotsutsana ndi inu ndi ngongole yanu.
Koma kupulumutsa sikuyenera kukhala kovuta. Ndizosavuta monga kuthandizira dongosolo lililonse lothandizidwa ndi abwana ngati 401 (k) ndikupezerapo mwayi pa pulogalamu ya machesi abwana. (Ndizo ndalama zaulere, makamaka ngati ali ndi machesi 100 peresenti! Barrett akuti.) Kodi mulibe mwayi wopeza 401 (k) kudzera mwa abwana anu? Funsani banki yanu kuti mutsegule IRA. (Kwa 2020 ndi 2021, zopereka zazikulu pachaka ndi ,000 kapena ,000 ngati muli ndi zaka 50 kapena kupitilira apo.)
Mukhozanso kuika patsogolo kumanga ndalama zanu zadzidzidzi ndikuyika ndalama pang'ono, inunso. Kulipira ngongole yotsika mtengo - kuyenera kukhala chinthu chofunikira kwambiri, koma ndikofunikira kukhala ndi chizolowezi chosunga nthawi zonse ndikuyikanso zina mwamalipiro anu. Ngakhale mutapatula pamwezi kuti musunge, ndichinthu. Pamene ngongole ikulipidwa, mukhoza kuonjezera ndalama zomwe mukusungira ndi kugulitsa, zomwe zimakupatsani mutu weniweni pomanga ukonde wanu wokwanira ngongole yanu ikatha.
Momwe Mungayikitsire Ngongole Yoyamba Kuposa Kupulumutsa M'chaka Cha mliri
Mliriwu wakumbutsa aliyense za kufunika kokhala ndi ndalama, makamaka ngati tsogolo silikudziwika. Tidachoka pachuma chomwe chikuyenda bwino mpaka kutsika kwambiri pasanathe mwezi umodzi, akutero Barrett. Izi zikutitsimikizira tonse kufunikira kokhala ndi khushoni kuti muthe kupyola mu nthawi zovutazo.
Zachidziwikire, njira yanu yolipira ngongole kapena kusunga nthawi ya COVID-19 imatsikira momwe chaka chino chakukhudzirani inu nokha. Ngati mwachotsedwa ntchito kapena mukuwona kuti ndalama zanu zikutsika ndipo mukuvutikira kubweza ngongole zanu, ndi bwino kuwonetsetsa kuti simukubwerera m'mbuyo ndikubweza ngongole yanu pomwe mukuyang'ana kuti mubwezere zomwe zidatayika. ndalama, Barrett akufotokoza.
Mwa kuyankhula kwina, mukufuna kuchita zomwe mungathe kuti mupitirize kulipira ngongole yachiwongoladzanja mwezi uliwonse. Ngati simungathe, kubetcherana kwanu kwabwino ndikufikira mwachindunji kwa wopereka ngongoleyo ndikufotokozereni mkhalidwe wanu ndi cholinga chanu chobweza ngongoleyo. Mutha kukambirana za chiwongola dzanja chochepa, poganizira momwe zinthu zilili zokulirapo chaka chino, komanso sewero lolipira kuti mukhalebe panjira ndikupewa kuwonongeka kwanthawi yayitali pangongole yanu, akutero Barrett.
