Pamene mudati nditero, mumaganizira za ukwati ndi makanda ndi kukalamba pamodzi, osati ngati mungaphatikizepo akaunti yanu yoyang'anira kapena kutsutsana pa malipiro a kirediti kadi. Koma popeza kuonetsetsa kuti muli ndi thanzi labwino pazachuma n’kofunika kwambiri paukwati wanu, m’pofunika kumvetsa mtundu wa ukwati wandalama umene muli. zopindulitsa zake ndi zovuta zake.
Zogwirizana: Pomaliza Tidaphatikiza Maakaunti Athu Aku Bank Ndipo Izi Ndi Zomwe Zinachita Paukwati Wathu
Makumi 20Zomwe Zanga Ndi Zanu
Njira iyi, Yofotokozedwa: Mphindi yomwe mudasaina laisensi yaukwati wanu, mudasainanso akaunti yanu yakubanki komanso zidziwitso zakupuma pantchito, ndipo mumawona kuti ma kirediti kadi osiyana kukhala…odabwitsa. (Kwa mbiri, lingaliro la prenup kulibe m'dziko lanunso.) Munakwatiwa kotero kuti simuyenera kupanga nickel ndi dime wina ndi mzake, ndipo kusuntha khadi lolumikizidwa ku akaunti imodzi imodzi kumapangitsa kulingalira.
Chifukwa Chake Imagwira Ntchito: Pamene mukuphatikiza chirichonse , kumapangitsa kukhala kamphepo kuwerengera chithunzi chachikulu pamodzi. (Njira yeniyeni yodziwira mfundo yanu ndikuchoka mumphika womwewo.) Izi ndizopindulitsa kwambiri osati pakulipira bilu, komanso zolinga zanthawi yayitali monga kugula nyumba ndi kusunga koleji. Ilinso ndi zabwino paubwenzi wanu. Malinga ndi a kafukufuku waposachedwapa lofalitsidwa ndi UCLA, okwatirana omwe amaphatikiza ndalama zawo amakhala osangalala muubwenzi wawo ndipo sangaleke kutha.
Zovuta Zomwe Zingachitike: Mwinamwake pali kusiyana kwa malipiro. Mwinamwake mmodzi wa inu ndi wowononga ndalama pamene winayo ndi wopulumutsa . Ndalama zikaphatikizidwa, ndalama za munthu winayo ndi bizinesi yanu (Muli nazo Bwanji zambiri mumatikiti oimika magalimoto? Mudawononga Bwanji zambiri pa saladi?) Ntchito yozungulira? Kupanga bajeti mwanzeru, chifukwa chake nonse muli ndi ziwerengero zosakwanira zomwe mumawononga pagulu lililonse.
Makumi 20Osiyana Koma Ofanana
Njira iyi, Yofotokozedwa: Inde, mwakwatiwa, koma pankhani yazachuma, ndinu odziyimira pawokha: Maakaunti aku banki osiyana, ma kirediti kadi osiyana, chinsinsi cha yemwe amawononga ndalama. Mumagawa zinthu zazikulu (mumalipira ngongole yamagetsi; amalipira gasi) ndikusinthana kunyamula cheke. Koma ngati mungafune kugula chikwama cha $ 750, imeneyo si bizinesi yake.
Chifukwa Chake Imagwira Ntchito: Akatswiri ambiri amavomereza zimenezo ayi kuphatikiza maakaunti akubanki kwenikweni ndi njira yamakono yowonetsera zizindikiro za kukhulupirirana muubwenzi, makamaka popeza okwatirana tsopano akumangirira mfundo pambuyo pake m'moyo ndikubwera ku ukwatiwo ndi ndalama zambiri komanso ndalama zomwe zakhazikitsidwa. Popatula maakaunti amenewo, mutha kusungabe umunthu wanu komanso umunthu wanu, atero Feneba Addo, pulofesa wothandizira wa sayansi ya ogula pa yunivesite ya Wisconsin-Madison, poyankhulana ku Nyanja ya Atlantic . Kuphatikiza apo, ndi njira yabwinoko yotchinjirizira ndalama zanu, ngati ubalewo uli woyipa.
Zovuta Zomwe Zingachitike: Ngakhale mukudziwa ndendende ndiwe kugwiritsa ntchito ndalama, kubanki yosiyana kumapangitsa kuti zikhale zovuta kudziwa zomwe mnzanuyo akupanga - zomwe zingalepheretse zolinga zosunga nthawi yayitali. Zinthu zimathanso kusokoneza ana akalowa m'chithunzichi, panthawi yomwe mungafunike kuwonekera kwambiri.
Makumi 20Mgwirizano (I)
Njira, Yofotokozedwa: Mwaphatikiza akaunti yanu yoyang'anira, makhadi anu a ngongole, ngakhale mbiri yanu yogulitsa. (Chabwino, munatsegula yatsopano palimodzi-bravo.) Koma inu aliyense mwakhala ndi akaunti imodzi yosiyana kuti mupereke mphatso, splurges kapena zinthu zina zomwe zimakuthandizani panokha osati inu monga banja.
Chifukwa Chake Imagwira Ntchito: Ah, bwino. Zikumveka bwino eti? Pokhala ndi ambiri zandalama zanu muakaunti yogawana, mutha kulumikizana ndi zachuma monga gulu ndipo nthawi zonse mumayang'anitsitsa zolinga zabanja zazikulu. Koma pokhala nazo ena ndalama zomwe ndi zanu ndi zanu nokha, mutha kukhalabe payekhapayekha - ndikukhala ndi mphika woguliramo mphatso ndi splurges.
Zovuta Zomwe Zingachitike: Ndi maakaunti osiyana, muyenera kufotokozera zomwe ziyenera kuchokera. Mwachitsanzo, kodi ulendo wopita ku spa uyenera kuchoka pamene muli mayi wopsinjika maganizo wa ana atatu kapena zibwere kuchokera ku ndalama zanu? Nanga bwanji pa bar yanu ndi anzanu? Khalani patsogolo wina ndi mzake kale mumagula kuti musamafunikire kupanga faifi tambala ndi ndalama wina ndi mzake bilu ikafika.
Makumi 20Macro- ndi Micro-Manager
Njira, Yofotokozedwa: Mmodzi wa inu amayang'anira zinthu zonse zazikulu - ndalama, maakaunti opuma pantchito, kugula nyumba - pomwe wina amawononga ndalama zatsiku ndi tsiku. Palibe gulu lomwe limakhudzidwa kwambiri ndi njira ya mnzake, ndipo chifukwa chake mumakhala ndi nthawi yochulukirapo pazinthu zosakhudzana ndi ndalama.
Chifukwa Chake Imagwira Ntchito: Kugaŵira ena ntchito n’kwanzeru m’mbali zambiri za moyo, koma makamaka pazachuma, kumene kumakhala kochulukira kusunga zonse. Izi ndizowona makamaka kutengera momwe mumagwirira ntchito zatsiku ndi tsiku: Ngakhale kuti anthu ena ali ndi luso loganiza bwino, ena amakonda njira yokhazikika. Ndipo, malinga ndi kafukufuku wa utsogoleri wopangidwa ndi Harvard Business Review , ichi chingakhale chowonadi cha moyo kwa inu nonse: Mmodzi wa inu ali mumkhalidwe wabwino wobwerera mmbuyo ndi kuganiza pamene winayo ali patsogolo kuzima moto wachuma umene umabwera tsiku ndi tsiku. Ngati inuyo ndi mnzanuyo mumadziwa zimenezi za wina ndi mnzake kapena mmene zinthu zilili pa moyo wanu, zingakhale zothandiza kwa inu kuchita zinthu mogwirizana ndi zimene mukuchita bwino.
Zovuta Zomwe Zingachitike: Ingotsimikizirani kuti palibe mmodzi wa inu amene amakhala mumdima za njira ya wina kapena akumva ngati chisankho chofunikira chinapangidwa popanda chilolezo. (Dikirani, tinagulitsa thumba la koleji la ana la Bitcoin?). Khalani ndi msonkhano wamwezi uliwonse kapena bajeti komwe mumapereka chithunzithunzi cha zovuta zilizonse kapena zolepheretsa - monga kusintha kwakukulu kwa katundu wanu kapena mtengo wa kukonza galimoto posachedwapa.
Makumi 20Ulamuliro Wankhanza
Njira, Yofotokozedwa: Munthu mmodzi amalamulira kapena ayi zonse ndalama. Munthu winayo (kapena minion) amayendetsa zinthu zomwe adagula kale wolamulira wankhanza kuti avomerezedwe kapena kungoyang'ana, swipe, swipe mpaka (eep) kirediti kadi itatsekedwa mwadzidzidzi. Minion nthawi zambiri sadziwa za kuwononga zithunzi zazikulu, ndipo nthawi zambiri sadziwa zambiri zazinthu zonse.
Chifukwa Chake Imagwira Ntchito: Timadana nazo kunena, koma sizitero. Pokhapokha mutakhala m'modzi mwazinthu zodziwika bwino za sugar daddy / mwana zomwe zimatilepheretsa nthawi zonse.
Zovuta Zomwe Zingachitike: Kupatula pazokhudza ubale wa icky (mphamvu zochulukirapo?), izi ndizowopsa pazachuma. Ayenera chirichonse pita molakwika, minion alibe ulamuliro, samamvetsetsa zithunzi zazikulu ndipo nthawi zambiri alibe ndalama m'dzina lake. Inde, zili bwino ngati munthu m'modzi akugwira ntchito ndi ndalama zabanja kuposa winayo, koma nonse awiri ndinu gulu ndipo nonse muyenera kukhala ofulumira pomwe mukuyima.
Zogwirizana: Mitundu Inayi Yamabwana...ndi Momwe Mungasamalire Mpaka Iwo
