Ndiyilawula njani imali yam njengempembelelo kunye nengcali yezemali

Esi sithuba siqulathe amakhonkco adityanisiweyo avela kubavelisi esibasebenzisayo kwaye sibathanda kwaye abasinceda sikhule iClever Girl Finance! Nceda ujonge izibhengezo zethu ngolwazi olungakumbi.

Njengomntu onempembelelo kunye nengcali yezemali, ndihlala ndibuzwa ukuba ndilawula njani imali yam yobuqu kunye neyeshishini, ukusuka kuhlahlo lwabiwo-mali ukuya ekulondolozeni ukuya kutyalo-mali ukuya ekufumaneni umvuzo. Ngoko ke ndiza kubelana ngento endiyenzayo kweli nqaku.

Ndiyisebenzisa njani imali yam? umntu onempembelelo kwezemali

Ndiyazi ukuba abantu abaninzi basebenzisa ii-apps zohlahlo lwabiwo-mali, kwaye ngelixa ndinazo ezintle kwifowuni yam endiyisebenzisayo (Umzekelo, Mint), Ndikwathanda ukusebenzisa i-spreadsheet kuninzi lohlahlo lwabiwo-mali lwam. Ndiyathanda uzinzo phakathi kokuba udluliselo lwam luzenzekele nge-app kwaye ndikwazi ukubona iindleko zam kunye neendleko ezikufutshane kakhulu kwi-spreadsheet yam.

Ndenza njani uhlahlo lwabiwo-mali lwam?

Ukuba yimpembelelo yezemali kuthetha ukukhokela ngokuba ngumzekelo. Eyona nto ibaluleke kakhulu endiyifundisayo yindlela yokwenza uhlahlo lwabiwo-mali lwemali yakho. Ngoko ayimangalisi into yokuba ndinendlela yam yohlahlo lwabiwo-mali yokugcina imali yam ilungile. Indlela yam yindlela elula kodwa eyomeleleyo yokugcina imali yam.

Ndigcina iirisithi zeendleko zam ngeentsuku endizichitha ngazo. Ekupheleni kobusuku ngabunye, ndizifaka kwi-spreadsheet yam yohlahlo lwabiwo-mali ukuze nditshatise iindleko zam ezicwangcisiweyo nezo zam zokwenyani. Oku kundithatha ngaphantsi kwemizuzu emi-5.

Kangangoko ndinako, ndizama ukungagcini iirisithi ngaphezulu kweentsuku ezimbini phambi kokuba ndizifake. Ngale ndlela ayibi ngumsebenzi. Indivumela ukuba ndijonge uhlahlo lwabiwo-mali lwam rhoqo enyangeni kwaye indigcina ndibandakanyeke ngokwenene ngamanani am.

Kwakhona ndenza amanqaku amaninzi kwiphepha lam lohlahlo lwabiwo-mali malunga neendleko zam (into endiyichithayo, kutheni ndiyichitha, njl.), kwaye ndongeze nayiphi na imihla kwikhalenda yam ekufuneka ndiyikhumbule ngesikhumbuzi se-alam, njengemihla emiselweyo. yee-invoyisi, imihla yokuthenga, njl., ukuze ndingazilibali izinto ekufuneka ndizihlawule.

Ndiwasebenzisa njani amakhadi etyala?

Ngaphambili, bendikhe ndasebenzisa ikhadi letyala, eliluhlobo lwekhadi letyala apho uhlawula ibhalansi ngokupheleleyo nyanga nganye. Ngoku ndikwanalo nekhadi letyala eliqhelekileyo endilisebenzisela ukubhukisha uhambo lwam oluqhelekileyo. Oku kundivumela ukuba ndifumane umvuzo, kodwa ndiyaqinisekisa ukuba ndiyihlawula yonke ibhalansi endinayo nyanga nganye.

Njengomntu onempembelelo kwezemali okanye u-fin-fluencer, ndifundisa kumava am obuqu, kwaye uyandikholelwa: kufuneka ulihlawule ikhadi lakho qho ngenyanga ukunqanda ukuqokelela amatyala abiza imali eninzi.

Okwangoku, eyona ndlela yam yokuchitha imali yimali. Ukusebenzisa kakhulu imali eyikheshi kundivumela ukuba ndilumke ngakumbi kwindlela endichitha ngayo imali kunye nohlahlo lwabiwo-mali, kwaye ndiyavuya kuba ndenze eso sigqibo. Imali yinkosi, manenekazi!

Ndizicwangcisa njani iiakhawunti zam zokujonga?

Ndine-akhawunti yebhanki ngokungqongqo yokuhlawula amatyala, ii-akhawunti zokulondoloza imeko yam kaxakeka kunye neemali zogcino, kunye ne-akhawunti ye-splurge (imali yokuzonwabisa). Ndinayo neeakhawunti zogcino lwe-intanethi, apho ndigcinela khona iinjongo zam zexesha eliphakathi ezikude kancinane, oko kukuthi, iinjongo endifuna ukuzifeza phakathi kwe-1 kunye ne-5 iminyaka.

Ndityala phi

Esinye sezona zihloko zibalulekileyo endizifundisayo njengomphembeleli wezezimali yindlela yokukhulisa imali yakho ngokutyala. Amaxesha amaninzi ndityala imali kwi index index. Ndineeakhawunti zokulondoloza umhlalaphantsi, ii-akhawunti zokulondoloza imfundo yabantwana bam, kunye nezinye ii-akhawunti zotyalo-mali ezingezizo ezomhlalaphantsi.

Ukuba ukhangele indawo yokuqala utyalo-mali, i-index yexabiso eliphantsi kunye ne-ETF apho iphothifoliyo yakho iya kulungelelanisa ngokuzenzekelayo ukuze uhlale uhambelana neenjongo zakho zemali kwixesha elide linyathelo elikhulu. I-Lealtad y Vanguard Ziintanda zam!

Ndiphinde ndavula ii-akhawunti zediphozithi zamawele am ukuba ndiqalise ukubafundisa indlela yokutyala imali kwimarike yemasheya kwaye bafumane izabelo zezabelo. Kwiminyaka emi-4 baqala ukuqaphela amagama abavelisi. Ngoko ndiye ndacinga ukuba iya kuba lixesha elifanelekileyo lokubazisa.

Rhoqo ngenyanga ndifaka imali kwiiakhawunti zabo. Emva koko ndibabonisa indlela yokutyala imali kwaye baqhubeke neempawu abazithandayo, umzekelo Disney. Ngelixa batyala imali kwii-stocks ezininzi, ndiphinda ndityale inxalenye yemali yabo kwi-Vanguard index fund.

Ndiyilawula njani imali yenkampani yam? njengomphembeleli

Kwimeko yoshishino endinayo, ndilawula iimali zeshishini lam ngokwahlukileyo ngokupheleleyo kwiimali zam zobuqu. Oku kwenza kube lula ukuphatha imali ngelixa ndikhulisa ishishini lam. Oku kuquka igama lam lobuqu/leshishini njengempembelelo yezemali. Kuhlobo lwam lobuqu, okwangoku ndineakhawunti ezi-5 ezahlukeneyo zeshishini.

Iiakhawunti zeshishini lam

Yile ndlela iiakhawunti zenkampani yam ezahlulwe ngayo ngoku!

BAMBA iakhawunti

Kulapho yonke imali eyenziwa yinkampani iya khona. Le mali ifakwe kwezi akhawunti zine zilandelayo:

Iakhawunti ye-OPEX (iindleko zokusebenza)

Kulapho udluliselo lwemihla ngemihla lweshishini lwenzeka khona.

Ingxelo yeziphumo

Ndiyazixhasa iziphumo ezilungileyo zenkampani kule akhawunti. Ndisebenzisa le mali ukutyala imali kwiiprojekthi ezintsha okanye ukuhlawula iibhonasi.

iakhawunti yerhafu

Ukuba kukho into enye eqinisekileyo, ziirhafu ndisebenzisa le akhawunti ukugcina imali yokuhlawula isibophelelo sam sekota kuMalume uSam.

Iakhawunti YOMVUZO

Ndisebenzisa le akhawunti ukulawula umvuzo ukuze ndihlawule ngokwam, abaqeshwa bam, kunye neekontraka. Kwi-payroll ndisebenzisa inkampani ebizwa ngokuba yiGusto - Payroll inokuba liphupha elibi, kwaye bayenze yalula kakhulu - ndiyayithanda!

Ukulungisa ezi akhawunti zangaphambili, ndisebenzise indlela yenkampani Inzuzo Incwadi yokuqala nguMike Michalowicz, endiyincoma kakhulu. Njengoko ishishini lam liqhubeka nokukhula, ndifuna isicwangciso esifanelekileyo sokulungelelanisa ulawulo lwemali yenkampani yam. Indlela yeNzuzo yokuqala iyasebenza kum.

Ukusuka kwimbono yolawulo lwemali yenkampani, ndiyisebenzisa Iincwadi ezikhawulezayo ukutshatisa iintshukumo zeeakhawunti zam (kunye nezomcwangcisi-mali wam) kunye nokulawula uhlahlo lwabiwo-mali lwenkampani yam; Ndisebenzisa i-spreadsheets zam, (ewe, ndiyayithanda i-Excel yam). Ndineentlobo ezininzi zeeakhawunti, kodwa ziyandinceda ukuba ndihlale ndicwangcisiwe.

Ukuba nefuthe kuqoqosho lomntu kundenza ndiphendule

Ke nantsi isishwankathelo esikwinqanaba eliphezulu lezinye zezinto endizenzayo ukuze ndilawule imali yam njengempembelelo yezemali ndenza konke okusemandleni am ukukhokela ngomzekelo ngemali yam ukukhuthaza abafundi bam kunye nesangqa sam sempembelelo ukuphumeza impumelelo yezemali.

Khumbula ukuba xa kufikwa kulawulo lwakho lwemali, kubalulekile ukuba umisele iiakhawunti zakho kunye neenkqubo ukuze ukulandelela kube lula kuwe.

Ukukhetha indlela efanelekileyo yohlahlo lwabiwo-mali kunye neenkqubo kunokukukhokela ukuba uphephe iimpazamo zemali kwaye unamathele kwisicwangciso sakho. Funda ngakumbi malunga nendlela yokuphelisa amatyala kwaye wonge imali ngezifundo zethu zezimali SIMAHLA kunye namaphepha okusebenzela