Ngaba uqhelene nomthetho we-50/20/30? Imelwe njengeyona ndlela ilungileyo yokwenza uhlahlo-lwabiwo mali, kwaye ihamba ngolu hlobo: Iipesenti ezingama-50 zomrholo wakho wokugoduka kufanele ukuba uye kwiindleko eziyimfuneko kunye nezinto eziyimfuneko unayo ukuhlawula inyanga nenyanga), iipesenti ezingama-20 kufuneka ziye ekongeni, kwaye iipesenti ezingama-30 zezenkcitho zobuqu (njengokuphuma, iNetflix, ubulungu bokuzivocavoca, kunye nalo naluphi na uhlobo lweendleko zokuphila eziguqukayo ongazenziyo imfuno ).
INew York sisixeko esibizayo ukuhlala kuyo — izindlu azifane zibekho ngexabiso eliphantsi, kwaye, ayenzi nenye into. Ke siyazibuza, ngaba kunokwenzeka ukufezekisa ulwabiwo-mali lwama-50/20/30 kwisixeko esineendleko eziphezulu kangaka zokuphila?
Inyaniso malunga nomthetho we-50/20/30 kukuba yahlukile kuwo wonke umntu nokuba uhlala phi, kuba wonke umntu unemivuzo eyahlukileyo, izicwangciso zobomi (kwaye ke, iinjongo zezezimali), iimeko zetyala, kunye nezinto ezithandayo. Ukubona ukuba kunjani ngenene kubahlali be-NYC, sicele abantu ukuba babelane ngokungaziwayo ngemisebenzi yabo, umvuzo, into yabo yangoku ulwabiwo lolwabiwo mali, kunye nokuthetha ngakumbi malunga nolwalamano lwabo nemali.
Xa sikhankanya umyinge womntu, i-odolo yeepesenti ihamba ngolu hlobo: Iindleko ezibalulekileyo / ukonga / iMali yokuNwaba
Siqala ukuCwangcisela ukuphuma kwe-NY
Ubudala: 27
Ubungcali: Umncedisi ngokusisigxina / umphathi weofisi kunye nearhente yoncwadi
Umvuzo wonyaka: $ Isiseko se-40,000, kunye nekhomishini ethile emsebenzini wam ozimeleyo
Okwenziweyo I-60/15/25 (kunye nokonga ngakumbi xa ndifumana iintlawulo zekhomishini)
Irente yam ijikeleze iipesenti ezingama-30 zam zokuthatha inyanga nenyanga ekhaya yile nto-ngaxa lithile-ndaxelelwa ukuba ngumgangatho wokuhlala e-NY. Kodwa ndiyayenza le nto ngokuhlala kwigumbi lokulala elincinci, igumbi lokuhlambela nendlu endandihlala kuyo kunye nabantu ababini endihlala nabo. Ukuba iqabane lam kunye nam besinokuqesha elona gumbi lincinci nelona lincinci kwigumbi elinye lokulala, umyinge wam werenti ubunokuba phakathi kwama-40 nama-50 epesenti endiya nawo ngenyanga. Sasihlala sodwa isibini seminyaka kwaye saqonda ukuba asikwazi ukwakha nayiphi na imali, okusibeka engxakini yokwenene ukucwangcisa ikamva lethu, kwaye ke sabuyela kwakhona nabantu esihlala nabo. Phakathi kwentlawulo yemali-mboleko kunye nokonga umtshato, akukho ndawo ininzi yokunciphisa amandla ethu okonga ngenxa ye-NY ngaphezulu kwexabiso lentengiso yentengiso. Ngokwenene siqala ukucwangcisa ukufuduka kwe-NY-ukuhlala apha akusabonakali kubonakala kuzinzile.
Ingelosi amanani 111 anentsingiselo
Ndifakwe kuMgangatho wam u-Pretty ochanekileyo
Ubudala: 2. 3
Ubungcali: Ingcali / unontlalontle
Umvuzo wonyaka: $ Ngama-45,000
Owona mlinganiselo wakho: Ngama-49/14/37
NDIFANELEKILE ukuba umlinganiso wam uchanekile. Ndinethamsanqa ngokwaneleyo ukuhlala kwindawo apho irente yam isengqiqweni (kwimigangatho ye-NYC). Nangona kunjalo, andizange ndongeze ngokwaneleyo kuhlahlo-lwabiwo mali lokutya. Le miyalelo ingenamthungo / brunches zempelaveki ziyangena kwiakhawunti yakho yebhanki. Ngokuqinisekileyo ndifuna ukugcina ngaphezulu, kodwa ndimncinci kakhulu kwaye ndinomvuzo okokuqala. Ndonwabela nje ukungaphuli. Ukongeza, ndigcinela iholide yam yokuqala enkulu kweli hlobo kunokonga ngokubanzi, kude kube nguDisemba ipesenti yam yokonga ibinguzero. Inkcitho yam iyaguquguquka kakhulu kuzo zonke-kwaye oku kuya kuphuma kwinyanga efana noMatshi apho ndifumana khona umvuzo opheleleyo. Iinyanga ezimfutshane kunye namaxesha okuhlawula kabini ngeveki ngokuqinisekileyo ahlawula umlinganiso. Ngokubanzi, ndicinga ukuba le yeyona ndlela ilungileyo yokujonga iindleko zomntu kwaye ndiyothuswa ngokumangalisayo ngumlinganiso wam ngokubanzi!
Lubukho obutofotofo kunye noLungelo, ukukhetha ukuZabalaza
Ubudala: 30
Ubungcali: Umlawuli wobugcisa / usomashishini
Umvuzo wonyaka: $ 80,000
Okwenziweyo 74/0/26
Irente yam iyodwa ngama-57 eepesenti ethatha inyanga nenyanga ekhaya (emva kwerhafu), oko kuthetha ukuba umyinge wam awuhambelani noko kuthathwa njengomgangatho. Kuyavunywa ukuba lukhetho lwam ukuhlala ndedwa kwaye kwinxalenye yedolophu endiyithandayo, nangona kunjalo oko akubonakali ngathi kukufuna okungafanelekanga komfazi oneshishini lakhe kwaye ukwiminyaka engama-30. Ndincamisile ukonga imali kwaye ndiceba ukusebenza nzima kakhulu ubomi bam bonke OKANYE ndithandeke kubantwana babahlobo bam abasenyongweni ukuze, ebudaleni bam, bandikhathalele, kuba andilindelanga kutshata okanye ukuba nabantwana bam. Uzinzo yinto endicinga ngayo rhoqo. Njengoko ndizinzile ukuba ndingubani ngokwenene, umbono wokuphila ubomi obulungele mna ubonakala ngakumbi nangakumbi, yinyani ebuhlungu, njengoko umsebenzi endiwenzayo uyinyani eNew York, ngenxa yoko andinakukwazi ncam yiya kwenye indawo ukuze yenzeke kum imilingo. Ndiza kuhlala ndisilwa ukuze ndifumane indlela yokufumana ibhalansi. Kwakhona, nangona kunjalo, ndihlala ndikhunjuzwa ukuba ndinokukhetha ukuhlala ubomi obahlukileyo apho kulula ukufumana imali kwaye iindleko zokuphila azikho krwada. Bubomi obutofotofo kunye nelungelo, ukukhetha ukulwa.
Ukungabinayo nayiphi na into eGciniweyo eMzuzwini kuyoyikisa kakhulu kum
Ubudala: 26
Ubungcali: Umhleli oncedisayo
Umvuzo wonyaka: $ 49,000
Okwenziweyo I-60/25/15 (ngama-25 eepesenti aya kumakhadi etyala endaweni yolondolozo)
Irente yam ayiyonto imbi eNew York, kodwa umyinge wam uphezulu kuloo ndawo ngenxa yemali mboleko yam yomfundi. Ndadendwa kanye phambi kwehlobo kunyaka ophelileyo kwaye andikufanelekeli ukungabikho kwemisebenzi, ngenxa yoko kwafuneka ndiphile ngemali endiyongileyo kunye namakhadi wam etyala (kubandakanya ukuhlawula irenti yam) de ndifumane umsebenzi osisigxina kwakhona, owathatha iinyanga ezininzi. Umyinge wam oqhelekileyo, ngaphambi koku, wawufana ne-62/18/20, kunye neepesenti ze-18 ngokwenene ndiya kugcino lwam, kodwa okwangoku, lide lihlawulwe lonke elo tyala, ndinayo yonke into ebendiya kuyibeka kulondolozo lwam kwaye ezinye-zijikeleze iipesenti ezingama-25-ziye kumatyala wam ekhadi letyala. Ndihlala ndihlawula ngaphezulu kobuncinci obubuncinci kwimali mboleko yam yomfundi, kodwa bendincamathele kwintlawulo encinci ngelixa ndifumana ityala lam.
Ukuncamathela kwisicwangciso sezemali endizenzele sona-kwaye ngoncedo oluncinci kwimbuyekezo yam yerhafu-kuya kufuneka ndibhatelwe amakhadi am etyala nge-Agasti, endijonge phambili kuyo kakhulu. Ukungabinayo nantoni na endiyigcinileyo ngalo mzuzu kuyothusa kakhulu kum, kodwa bendihlawula kakhulu inzala inyanga nenyanga, bendifuna ukubeka phambili ityala lam kwaye ndibeke kangangoko ndinako. Ndisaya kutya kunye nabahlobo kwaye ndiye kwizinto ezifana neekonsathi kuba ndiyazi ukuba ukuba andiyenzanga loo nto, bendizakube ndibambekile kwindlu yam kwaye ndonwabile, kodwa ngokuqinisekileyo ndinobugcwabalalashe kunokuba bendidla ngokuba njalo.
Ndineendlela ezininzi zokuLonga
Ubudala: 26
Ubungcali: Ukuthengisa kwidijithali kunye nolawulo lweendaba zosasazo
Umvuzo wonyaka: $ 76,000
Okwenziweyo 40/30/30
Ndigcine imeko efanayo yokuphila oko bendisenza i-35,000 yeedola njengomququzeleli we-PR. Ewe ndinabantu abathathu endihlala nabo, kodwa ukudityaniswa nokungabinayo imali-mboleko yomfundi kundivumele ndonge imali eninzi kwaye ndonwabe kakhulu. Kutshanje ndiye ndaphakama ndaya kwinto endivakalelwa ngathi ngumvuzo olungileyo, ke ngoko ndinemikhwa emininzi yokonga imali — ukutya ukutya okunexabiso eliphantsi phakathi evekini, ukunqanda iikhabhathi, ukudaya iinwele zam nokwenza iinzipho zam (ndiyaphendula Unsexy Chromebook endiyifumene phantsi kwe- $ 300). I-splurges ezenze ezona ntsingiselo kum zibiza ngaphezulu kwe- $ 20 ngenyanga yokucoceka indlu (kwakhona, abantu abathathu abahlala nabo) kunye ne- $ 120 ngenyanga yeClassPass (ayinakuthenga ii-cocktails ezingama-20 xa ndineklasi yebhayisekile emva komsebenzi!). Ndizama ukungavumeli ukuba 'indlela yokuphila iqhubeke' yenzeke kum kuba andifuni kuhlala kwi-NYC ngonaphakade kwaye ndingathanda ukuhamba neqanda elihle lendlwane, kodwa ndiqala ukuba phithi zizityalo zendlu kunye nezinto ezintle I-Stubub shit, ke leyo inokuba yingxaki.
Ingelosi inombolo 1111 enentsingiselo
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Anna Spaller)
Andazi ukuba ndize njani ngeakhawunti yokonga, kodwa Wow, ikhona
Ubudala: 25
Ubungcali: Umhleli weendaba zosasazo
Umvuzo wonyaka: $ 67,000
Okwenziweyo 10/65/25
Ukubhengezwa ngokupheleleyo: Kutshanje ndiye ndonyuswa, kungoko ndimangalisiwe kukwabiwa! Ndacinga ukuba iimfuno ziya kufana neepesenti ezingama-90. Izinto endizidingayo zirenta kwigumbi endihlala kulo istudiyo eBrooklyn, iMetroCard yenyanga nenyanga, imali-mboleko yomfundi kunye neentlawulo zekhadi letyala, iifowuni / i-intanethi / iibhili zombane, kunye neTrader Joe's. Yiyo le nto endichitha imali kuyo kuqala, kodwa emva koko icandelo lam lesibini lokuphambili liyinto yobuqu- izinto ezinje ngobulungu bam bokuzivocavoca (ndiya e-Equinox, ewe, nceda unditsale), iimpahla / iimveliso zokuzilungisa, iinwele zenyanga, iakhawunti yeHulu , kunye ne-latte-and-cruller yam yemihla ngemihla kumalungiselelo emihla ngemihla kufutshane neofisi yam. Nokuba yintoni eseleyo iya koovimba bam. Kodwa ndisebenzisa le app ibizwa ngokuba yiQapital ejikeleza yonke imali yam yamatyala kwikhadi elikufutshane kwaye ibeka umahluko kwiimbiza ezithile zemali endizibhalileyo (umzekelo, umqamelo werhafu, xa kufuneka ndihambile, iSan Juan 2017 , njl.). Ke andazi ukuba ndize njani neakhawunti yokonga, kodwa wow, ikhona.
Andiqondi ukuba ndingayityhola irente yam yaseNew York njengesizathu sokuba ndingasondeli ku-50/20/30 (istudiyo sam yi- $ 1300), kodwa ndicinga ukuba kungenxa yemali mboleko yam kunye namatyala ekhadi letyala ekholejini nase ukuqala kwam ukufudukela esixekweni. Okwangoku andiqokeleli nzala kumakhadi am etyala, nto leyo intle, kodwa ndinamatyala amaninzi endiwenzayo. Phakathi kwe-intanethi kunye nefowuni yam kunye nemali-mboleko kunye neerhafu eNew York, andiyi kubamba imali yam eninzi ngaphambi kokuba ihambe.
Ngokubhekisele kumgaqo wama-50/20/30, uziva ngathi lixesha lakudala lokwahlula 'izinto eziyimfuneko' kunye 'noBuntu.' Ndiyacinga ukuba unyanzelise kuyo, igama elingcono elithi 'lobuqu' liya kuba 'yiCream Whipped,' imihombiso yobomi bakho. Kodwa, emngciphekweni wokuvakala njengesixhobo esipheleleyo, ndingakumbi ngokuhlala a iphelele ubomi, ukuba izinto ochitha kuzo kufuneka zikwenze uzive ulungile kwaye uzinzile malunga nobomi obuphilayo. Ngokuqinisekileyo ndingumntu okhule enencasa engaphaya kwendlela yam, kodwa ngoku ekubeni ndisondela kwinto evakala ngathi kukusombulula iingxaki zemali, kulungile ukuba ndilungile ngokuthatha ikhabhathi ndibuyele ekhaya ngo-3 ekuseni ngaphandle kokuziva ngathi ndisoyikeka Ukuzihlaziya. Andicwangcisi ukubuyela esikolweni okanye ukuba nabantwana okanye nantoni na enokuthi ifune iqanda elikhulu lendlwane, ke ndilungile ngokusebenzela ukonga kancinci kodwa ngokuqinisekileyo. Kuya kuthatha ithutyana, kodwa ke, enye ipeni yobhedu engenaxabiso ngexesha.
Ndinezinto ezimbalwa zokuSebenza ngokuchasene nokuthanda kwam
Ubudala: 27
Ubungcali: Umgcini zincwadi / umfundi
Umvuzo wonyaka: $ I-65,000 (nangona i-ofisi yam ibeke i-5k yeedola ngokubhekisele kwi-pretax yokufunda, ke umvuzo wam ubalwa ubalwa kwi-60,000)
Okwenziweyo I-60/20/15 (nangona inyanisekile, iipesenti ezingama-20 ziya kwintlawulo yezifundo ke ngokwenyani zifana ne-80/15/15)
Andihambelani ncam nomyinge ophakanyisiweyo, kodwa okwangoku ndinezinto ezimbalwa ezisebenza ngokuchasene nokuthanda kwam. Nditshatile, kodwa umyeni wam akaphangeli, ngoko ngelixa indlu yethu ingabizi kangako, ayibizi kangako kumvuzo omnye. Kananjalo ndikwisikolo esiphumeleleyo, endisibhatalayo ngaphandle kwemali mboleko kodwa oko kuthetha ukuba amaxesha ama-2-3 ngonyaka ukonga kwam kuyaphela ngokupheleleyo njengoko ndihlawulela isemester yam. Kananjalo iindleko zam ziphantsi ngenxa nje yokuba umsebenzi nesikolo kundigcina ndixakeke kakhulu ukuba ndinganalo naluphi na uhlobo lobomi. Ngokufanelekileyo konke oku kuyakutshintsha kwikamva elisondeleyo (okanye elikufutshane), kwaye xa oko kusenzeka ndiyathemba ukuba ndiza kuba nakho ukwandisa ipesenti yam yokonga kunye nemali yam yolonwabo.
Yiyo yonke loo nto ayiqhelekanga kwi-NYC
Ubudala: 26
Ubungcali: Umyili wefashoni ongumncedisi
Umvuzo wonyaka: $ 40,000
Okwenziweyo 49/31/20 (ngama-31% aya kumakhadi etyala endaweni yolondolozo)
Okokuqala, ndihlawulwa qho emva kweeveki ezimbini, ke ngoko ndenza uhlahlo-lwabiwo mali ngokusekelwe kwimivuzo emibini, nangona ingeyiyo inyanga yobuchwephesha (kunyaka omnye ndiza kuba nemirholo engama-26, ke zimbini zongezwa ngaphandle kolu hlobo lohlahlo-lwabiwo mali). Iibhili zenyanga zibandakanya irente, izixhobo (zombane, i-intanethi), iselfowuni, i-inshurensi yomqeshi, kunye ne-Adobe CC. I-inshurensi yezempilo kunye neMetroCard yenyanga nganye ikhutshwa kumvuzo wam phambi kweerhafu, ngenxa yoko akufuneki ndibekele bucala abo bangenayo. Ndiyabulela andinayo nayiphi na imali-mboleko yomfundi, kodwa okwangoku ndihlawula ngenkani amakhadi amabini etyala ndinayo, kwaye ngenyanga okanye ngaphezulu bazakuhlawulwa, ngoko ke umlinganiso wam unokuhlala ungaguquki, kodwa intlawulo yekhadi letyala iya kugcina ngokupheleleyo (bendigcina imali encinci ngaphambili, kodwa ndaye ndagqiba kwelokuba ndiyibambe ukuhlawula ityala ASAP). Ngokumalunga nokonga, ndiza malunga nenyanga enesiqingatha ngaphambili nemali ebekelwe bucala kuzo zonke iindleko zenyanga, ke ngokonga ngokobuchwephesha, nangona ndingakuqwalaseli oko (esinye sezizathu zokuba ndikhululekile ukungagcini umzuzu).
Ekwenzeni olu cwangciso-mali / isicwangciso senkcitho, ndiye ndaqonda ukuba ndichitha imali eyahlukileyo kakhulu ekutyeni inyanga nenyanga, kwaye ihlala ididekile phakathi kokutya kunye nokutya, ngenxa yoko ndiyigcina yahlukile kwimali echanekileyo ekufuneka ihlawulwe inyanga nenyanga, kwaye Iyaguquguquka kuba ndingathatha isigqibo sokuba ndifuna ukuchitha imali eyongezelelweyo ekuthengeni ngaphandle okanye ekuthengeni i-makeup entsha okanye enye into. Ngokubanzi, ndicinga ukuba ndikufutshane nje kolu luhlu lufanelekileyo kuba ndinentlawulo encinci ye-NYC (i-820 yeedola) kwaye akukho mali mboleko yomfundi, eluhlobo lwe-bummer, kuba ayisiyonto iqhelekileyo kwi-NYC.
Inombolo yeengelosi ezingama-444 ethetha ngothando
