Ngaphandle kokuba notata wezezimali, ndasokola kakhulu kwimali yam xa ndizihlalela ndedwa. Ndinqumle iikona xa zisiza kuwo, njengokuthenga icandelo lokuthengisa ngento yonke ngokoqobo. Nangona kunjalo, iinjongo zam zazihlala zikhulu kunoko: Ndandifuna ukonga iihambo, nokuphuma nokuba nexesha elimnandi nabahlobo bam. Kodwa indlela endichitha ngayo imali ibonise ibali elahlukileyo.
Malunga nesemester yam yokuqala kwiYunivesithi yasePittsburgh, bendihlala ndedwa kwaye ndizenzela yonke into. Le yintsimi engaziwayo, oko kuthetha ukuba bekukho indawo eninzi yokwenza impazamo. Ndaziva ngathi ndiyatshona kwaye andinakukwazi ukuhlawula nantoni na ebalulekileyo. Ke emva kobusuku bokuzisizela kakhulu, ndaye ndagqiba kwelokuba ndonele. Ndifumene ibhokisi yeencwadi zezezimali abazithengele mna abazali bam apho bebekade behleli khona kwindawo yokugcina izinto (whoops) bayifunda.
Ukuthenga kwicandelo lokuthengisa yinto enye, kodwa zininzi iindlela zokonga imali - kwaye azisoloko zinxulumene neethegi zokuvuma. Ixesha elingaphezulu, ndiye ndabona ukuba bendigcina ngaphezulu kwe- $ 100 ngeveki kanye xa bendikhumbula imikhwa yam. Nazi iindlela ezihlanu zokuziphatha kunye nemikhwa endisebenzeleyo, kwaye ngoba:
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UJessica Isaac
Yiya kwiimfuno kunye neemfuno.
Elona cebo libalaseleyo lezemali endakha ndalifumana lavela kwincwadi yokunceda ngemali, Unemali kakhulu: Phila usisityebi, nokuba awungekho ngumlobi-ntatheli uFarnoosh Torabi. Kumaphepha amahlanu okuqala, uthetha ngokuhlela iingxelo zakho zenyanga. Ukufumanisa uluhlu lwakho oluphezulu lweemfuno kunye neemfuno kubaluleke kakhulu njengoko sivavanya ubomi bethu bezemali kunye nendlela esabelana ngayo ngemali yethu, uyabhala.
Uqala ngokujonga emva kwinyanga edluleyo yenkcitho, ngaphandle kokuyinqanda. Ekupheleni kwenyanga nganye, hlula izinto ozithengileyo ngokweeMfuno-ezinje ngerente, amatyala, ukutya, kunye nokuthengwa kwezempilo- kunye neeWants, ezithetha yonke enye into. Xa kufikwa kwicandelo lokugqibela, zibuze, ngaba ndingasinda ngokusemthethweni ngaphandle kwale? Emva koko usebenza apho.
Kuqala, bekuziva kungenakwenzeka ukuhlala ndiqaphela iiMinqweno zam… bendinezinto ezininzi! Kodwa ndifuna ukuziva ndinemali. Kwinyanga yokuqala, ndizifumene ndikhangela ezinye iindlela kunye neendlela zokonga iiMfuno zam, ngelixa ndizonwabisayo. Kodwa emva kokujonga inkcitho yam yemihla ngemihla, ndiye ndaphawula ukuba ndinemali ethe chatha kwizinto endizifunayo ekuhambeni kwexesha.
Ewe kunjalo, ukutyibilika kuyenzeka, kwaye umgca phakathi kweeMfuno kunye nabaFuni uya kuba mncinci ngamanye amaxesha. Kungenxa yokuba umntu omnye angachaza ukuthatha i-odolo emva kosuku olude emsebenzini njenge-Want ayithethi ukuba awuyidingi ngalo mzuzu-ngamanye amaxesha ukuzinika ikhefu kufanelekile ngeendleko ezongezelelweyo. Kodwa ngokuzibuza nje ukuba ukuthengwa ngakunye bekuyimfuneko okanye kukufuna, ndiye ndayeka ukonga phantse i-75 yeedola ngokomndilili, veki nganye.
UForrest McCall, umseki wenkululeko yezemali kunye nebhlog yakhe yezemali Musa ukusebenzela olunye usuku , ngumlandeli omkhulu wokwenza uhlahlo-lwabiwo mali kwangaphambili. Ukunamathela kuhlahlo-lwabiwo mali, bhala phantsi iindleko zakho veki nganye ukuze ube nembono elungileyo malunga nokuba uza kuchitha malini, ucebisa. Thelekisa eli nani kunye nohlahlo-lwabiwo mali [lwangempela] kwaye ubone ukuba uphi. Ukuba uhlahlo-lwabiwo mali olucetywayo lungaphaya kwemali onayo, kunokuba luncedo ukubona apho unokwenza khona uhlengahlengiso oluncinci, okanye apho unokufuna khona ukucela uncedo ukuba luyafuneka.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: USarah Crowley
Guqula into onokuyisebenzisa veki nganye ukuba ibe yimali kuphela .
Ndisoloko ndikufumanisa kunzima ukunamathela kuhlahlo-lwabiwo mali lweveki, de ndiqale ukukhupha ngokomzimba imali endiyicwangcisele loo veki kwiakhawunti yam yokujonga. (Ekuphela kwezinto endandisazihlawulela ngokwamanani kukubhaliswa nge-elektroniki kunye namatyala.) Bendiya kuthatha ke ingqele, imali enzima, kwaye ndihlukane ndibeke izabelo zokutya, ukutya ukutya, ezothutho, kunye naziphi na iimfuno ebendinazo. Kubonakala ngathi kuyindlela ebandayo ye-turkey, kodwa ukuzinika umda onzima, kwaye ndizixelele ukuba andinakusebenzisa into engekho kwisitaki ngasinye kuluncedo ekuqaleni.
Ukuqinisekisa ukuba ndibambekile kuhlahlo-lwabiwo mali lwam olutsha, ndibeka ikhadi lam letyala kwisikhenkcezisi sam ukunqanda isilingo. Kwezi veki bendingafuni ukudlula kohlahlo-lwabiwo mali, bendiya ndigqitha ngokubeka ikhadi lam kwitreyi yam yomkhenkce, ndigalela amanzi ngayo ukuze iqatsele ngaphakathi emkhenkceni. Ndingophula kuphela iveki kamva kuhlahlo-lwabiwo mali olulandelayo.
Ukubonakalisa ukuzeyisa kunokuba ngumzabalazo, ngakumbi ukuba wenza umceli mngeni ezinkozo okanye kwiakhawunti ekhangela ngokulula, ULauren Silbert , VP kunye noMphathi Jikelele weBhalansi, uxelela uNyango lweZindlu. Ukuba ubeka imali kwiakhawunti yokutshekisha, lahla ikhadi lebhanki ukwenza kube nzima ukuchitha. Ungabeka imali kwiakhawunti yokonga enenzuzo; Ukwazi ukuba kwamkela imali ngokuhlala nje apho kunokwenza ukuba kungabi lula ukuchitha.
Kunzima ukubala ukuba yimalini inkqubo eyinkozo kuphela eyandincedayo ukuba ndonge, kuba ndandingenguye olungileyo ekugcineni umkhondo wohlahlo-lwabiwo mali ngaphambi kokuba ndibeke iindlela zam zemali. Kodwa ndiyazi ukuba andilulandelanga uhlahlo-lwabiwo mali lwam lweveki xa nditshintshile, endicinga ukuba ndiyiphumelele.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: U-Lauren Kolyn
Tyala imali ekuthengeni izinto ezinkulu ukugcina kwizinto ezincinci .
Ndiphulaphule kule: Endaweni yokuthenga ikofu yedola ezintlanu yonke imihla, ndatyala imali kumatshini wekhofi olungileyo kunye nomgumbi wokuhamba. Ukuthengwa kwaluma ekuqaleni, kodwa ekuhambeni kwexesha, ndiyibuyisile imali kuba uvuyo lokusebenzisa umatshini wam wekofu luthintele umnqweno wam wexabiso le-latte enexabiso. Ndigcine ubuncinci i-30 yeedola ngeveki xa ndenza utshintsho, olubuyisela ixabiso lomatshini wam wekofu, emva koko ezinye.
Ewe kunjalo, ngenxa yokuba iingcali zemali zixakekile ngombono wokusika i-latte yakho yemihla ngemihla akuthethi ukuba kufuneka - ngakumbi ukuba ikuzisela intwana yovuyo ngenye imini engahambelaniyo. Ingcali yezemali ULindsay Bryan-Podvin , I-LMSW, ithi ngamanye amaxesha vumela i-mini-splurges kuba ezo ziya kukunceda uhlale ukhuthazekile ekuhambeni kwexesha.
Imithetho emnyama nomhlophe iseta abantu ukuba bazive bengalunganga okanye bedanile ukuba benze impazamo, uyaphawula. Ukwakha kwigumbi lokujikeleza kwenza ukonga iinjongo zexesha elizayo kuziva kunzima kwaye kunokufaka ulonwabo endleleni.
lithetha ntoni inani lama-333 leengelosi
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UJacqueline Brand
Nqwenela ukutya ngaphandle kosuku olunye ngeveki kuneveki ephelileyo .
Ngaphambi kwe-COVID, bendihlala ndisiya kwisidlo sasemini yonke imihla evekini, ngumkhwa oqinisekileyo ukuba wongezwe ngokukhawuleza. Xa ndandijonga iingxelo zam zenyanga, ndabona ukuba ndichithe ngaphezulu kwama-200 eedola ngenyanga kwiPanera ndedwa- kwaye yayiyifowuni yokuvuka zombini isipaji sam kwaye sasidinga.
Ngenxa yoko, ndaye ndagqiba kwelokuba ndibeke umda kumaxesha enditya ngawo ngosuku olunye - ukuqala kwiintsuku ezine ngeveki, emva koko ukuya kwezintathu, kwaye ekugqibeleni ukuya ezantsi. Kwakunzima ekuqaleni, kodwa ekuhambeni kwexesha, kwakungathi yinto yesibini. Njengoko ixesha liqhubeka, ndiye ndabona ukuba ndikhetha ukugcina usuku lwam lokuthatha ukuphela kweveki, kwaye ndizinike indawo yokonwabela ukuthengwa ngaphandle kwetyala- emva kwayo yonke loo nto, ukuba awunabubele kuwe kule nkqubo, ayizukuhamba ukuba naluphi na ulonwabo. Kungenxa yokuba uku-odola ngaphandle kungadla ngaphezulu kwe-30 yeedola kwisidlo ngasinye, nokuba kungatshintsha kube kanye ngeveki kugcinwe iitoni zemali.
UDonna Tang, ingcali kuhlahlo-lwabiwo mali ItyalaDonkey , Ucebisa ukucwangcisa ukutya kwakho ngaphambi kwexesha. Yiba nesicwangciso sokutya ukuze ube nembono engcono malunga nezicwangciso zakho zokutya, ucebisa. Kukuqhekeza okumangalisayo njengoko ukwazi zonke iinkcukacha zezicwangciso zakho zokutya kunye noluhlu lokutya kuya kukunceda ugcine amakhulu eedola ngeveki xa kuthelekiswa noku-odola ukutya konke.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Ndihlola i-DIY
Phinda ucinge ukuba yeyiphi ivenkile oza kuyisebenzisa .
Xa ndiqala ukuthintela inkcitho yam, ndafumana inkuthazo kwivenkile yokutya. Kuba ndihlala ndedwa, ndazibuza ukuba ingaba ndiyayidinga na inyani yobisi xa ilitha ingenza njalo. Ngaba ndingakhuthazeka ukuba ndipheke kunye nezinye izithako ukuba ndifumana kuphela ukutya okubandayo endaweni yeveki? Ngokuhamba kwexesha, ndiye ndazibona ndithenga iziqhamo ezininzi, ke ndoyame ekufumaneni iindlela ezizodwa zokubeka ukutya kwam kunye nokutya okulula kuzo ukuba ndinako.
Icebo lihlawulwe, ngokoqobo: Kwiiveki ezidlulileyo, ibhilikhwe yam yokutya ibingaphaya kwe- $ 200, kodwa emva kokuthatha imali ngokungqongqo, ndonge ngaphezulu kwe- $ 80 ngokomndilili.
Ungaliguqula ixesha lakho kwivenkile ethengisa ukutya ube ngumdlalo, iSupermarket Sweep-style. Xa ndisiya kwivenkile yokutya, injongo yam kukugcina imali kunye nezaphulelo ezilingana ne-10 yepesenti yemali endiyithengileyo ngeveki, uSamuel Rockwell, MBA, AAMS, umcebisi wezezimali eRaymond James & Associates. utsho. Ukwacebisa ukuthelekisa kungekuphela kwamaxabiso eenguqu ezahlukeneyo zeemveliso ezifanayo kodwa nobungakanani. Xa ndijonga ukuthenga izinto ezahlukeneyo kwivenkile yokutya, jonga kwixabiso ngeyunce nganye. Oku kukunceda uqonde ngokuchanekileyo ukuba uchitha ntoni kwindlela oyithengayo, utshilo.
