Yintoni imali 70-20-10?

Ukuba ucinga ukuba awuyilawuli kakuhle imali yakho, esinye isizathu kukuba usebenzisa indlela yohlahlo lwabiwo-mali engasebenziyo. Nangona ingenguye wonke umntu ofuna ukuba imali yakhe ilingane kwi penny, indlela yohlahlo lwabiwo-mali okanye imodeli iyimfuneko ngokwenene ukuba ufuna ukwazi ukuba imali yakho iya phi inyanga nenyanga. Ingxowa-mali ye-70-20-10 yenye yezakhelo ezininzi zohlahlo lwabiwo-mali ezikhoyo kwimarike, kwaye inokuba sisixhobo osifunayo.

Kwabo sele bezama ukwakha ingxowa-mali kwaye "basilela," kusenokuba lixesha lokuphinda ucinge ngesicwangciso sakho. Unokukwazi ukuseta uhlahlo lwabiwo-mali - ufuna nje indlela efanelekileyo eya kuwe.

Ziziphi iimali ze-70-20-10?

Olu luvo lohlahlo lwabiwo-mali lulungile kumntu ongafuniyo ukulandelela yonke ipeni echithwe kwiiklasi ezingamashumi amathathu anesihlanu ezahlukeneyo. Yimodeli eyenziwe lula yohlahlo lwabiwo-mali.

Ukuba ukhe wajonga ingxowa-mali yemodeli kwaye wacinga ukuba "intle kakhulu," ngoko ke ingxowa-mali ye-70 20 10 inokuba yimeko enkulu. Mhlawumbi ungumntu ofuna ukuziva ngathi banokulawula ngakumbi imali yabo, kodwa awufuni ukubanjwa yi-micromanagement.

Ingxowa-mali ye-70-20-10 ibhekiselele kumyinge womvuzo wakho wokugoduka nowunikezela kwicandelo ngalinye kwezi zintathu ziphambili: inkcitho, ukonga, kunye nokunikela. Kuko konke.

(Kwabo bafuna ubulungisa ezongezelelweyo Isicwangciso sengxowa-mali esenziwe lula, ungazama umthetho we-80/20 kwaye uwusebenzise kwiimali zakho njengenye indlela)

Kwabo bakhetha i-70 20 10 yengxowa-mali, uya kwabela i-70% yomvuzo wakho wenyanga kwiindleko, i-20% kwi-savings kunye ne-10% kwiminikelo. (Intlawulo yetyala ingaqukwa okanye kufakwe endaweni “yezipho” ukuba oko kuyasebenza kuwe.)

Makhe sichaze indlela imvelaphi ye-70-20-10 enokusebenza ngayo ebomini bakho.

Bala umvuzo wakho ngaphambi kokuba wenze ingxowa-mali yakho ye-70-20-10

Inyathelo lokuqala elilungileyo phambi kokwaphula yonke inkcitho yakho, ukonga, kunye nokupha? Qinisekisa ukuba yimalini oyifumanayo Unokujonga kwii-payrolls ukuba awuqinisekanga malunga nesixa esichanekileyo.

Qiniseka ukuba ucinga ngengeniso yeqabane lakho okanye iqabane ukuba wabelana ngengeniso yosapho kunye namatyala. Ukuba umvuzo wakho uyaguquguquka, umzekelo, ukuba uyazisebenza okanye usebenza kwindawo engalindelekanga, yenza uqikelelo olungcono lomvuzo wenyanga oqhelekileyo. Unokuba uphosakele kwisiphelo esisezantsi salo mahluko wengeniso, nje ukuba kunokwenzeka.

I-70% yengeniso iya kwiindleko

Ekuqaleni, kufuneka ukwazi ukuphila nge-70% yomvuzo wakho. Ngokukodwa ngakumbi, i-70% yomvuzo wakho oseleyo, okanye umvuzo wakho we-intanethi emva kwerhafu. Ke kufuneka ubandakanye zonke iimfuno zakho kolu didi, kunye nazo naziphi na izinto zodidi olufanelekileyo.

Nje ukuba uyayazi ingeniso yakho yeveki okanye yenyanga, unokwenza ukubala okulula ukuba inokuba yintoni i-70%. Le yimali ekufuneka uyigcine ngezantsi amatyala ebomini bakho.

Iindidi zebhanki ezifakwe kwi-70-20-10 fund

Ewe, iya kwenzeka kuwe ii-invoyisi zakho ezipheleleyo apha. Yonke into ochitha imali kuyo iwela kolu didi. Emva kwayo yonke loo nto, zonke ii-apps zohlahlo lwabiwo-mali kunye nobuchule bujongana nale nto.

Nalu uluhlu lokuqala lwawona matyala aqhelekileyo ukuba afakwe:

• Irenti/imali yokubambisa
• Iindleko zemoto
• Iintlawulo zeinshorensi
• Izinto eziluncedo (umbane, amanzi, ukulahlwa kwenkunkuma)
• Irhasi/izithuthi
• Ivenikel yokutya
• Unonophelo lwabantwana
• Yitya phandle
• Impahla
• Ukuzonwabisa
• IiNgxowa-mali zokubolekwa kwabafundi (ubuncinci)
• Iimali zamatyala ahlukeneyo (ubuncinci)
• Izinto (ngaphandle kokuba uzigcinele kuphela i-10% yeklasi yomnikelo)
• Uhambo
• Imirhumo okanye ubulungu
• Into malunga nekhadi letyala

Zive ukhululekile ukongeza naluphi na uhlobo lweendleko ozifunayo.

Ii-invoyisi ezisisigxina okanye eziguquguqukayo

Enye indlela yokwaphula uhlobo lwakho lweendleko kukujonga amatyala amiselweyo naguquguqukayo. Amatyala akho amiselweyo ngalawo anemali emiselweyo ekufuneka uyihlawule nyanga nganye.

Zezona "invoyisi" "zilula" ukubala kuba azitshintshi inyanga nenyanga. Ngokuqhelekileyo unokuthembela kwimali-mboleko yakho okanye isivumelwano sokurenta ukuze sihlale sinjalo nyanga nganye, umzekelo, ngaphandle kokuba umnini-mhlaba ufuna ukwandisa isivumelwano ngamaxesha athile.)

Ii-invoyisi eziguquguqukayo zezo zinokuguquguquka ngokuxhomekeke kwiimeko. Unokuchitha ngaphezulu kokutya ngaphandle ngexesha leeholide, umzekelo.

Amatyala akho okusebenza anokuthi ehle ngexesha lonyaka elipholileyo kwaye anyuke ngexesha lokubanda okugqithisileyo okanye ubushushu. Iiyantlukwano zinokubakho ngenxa yezigqibo zakho zenkcitho, kodwa zihlala zibangelwa zizinto ezingaphandle kolawulo lwakho.

Ii-invoyisi ezilungisiweyo

• Iindleko zokurenta okanye zokubambisa
• Iindleko zemoto
• Iintlawulo zeinshorensi
• Imirhumo yobulungu (kwimibutho eqeqeshiweyo, indawo yokuzivocavoca kunye nabanye abaninzi)
• Imirhumo (iimagazini, iimpapasho zorhwebo kunye nezinye ezininzi)
• Ukhathalelo lwabantwana (oku kunokuba kuninzi, nangona unokongeza ubusuku obongezelelweyo bokugcina umntwana apha naphaya)
• Izinto eziluncedo (ezihlala ziguquguquka, kodwa zinokunyuka ukuba inkampani yakho eluncedo ibonelela ngenkqubo eqikelela ixabiso lakho eliqhelekileyo lenyanga ukuze uhlawule isixa esiqhelekileyo)

Ii-invoyisi eziguquguqukayo

• Ivenikel yokutya
• Igesi/Ezothutho
• Yitya phandle
• Iinkonzo zaseburhulumenteni
• Ukuzonwabisa
• Impahla
• zihloko
• Uhambo

Into ebalulekileyo ekufuneka uyikhumbule malunga nawo onke amatyala akho kukuba uwagcine engaphantsi okanye ngaphantsi kwe-70% yomvuzo wakho uwonke kwinyanga ethile. Ukuba unemali eseleyo, unokugqiba kwelokuba uyichithe kulonwabo okanye uyithumele ukonga imali yakho okanye iklasi yesipho.

I-20% yomvuzo wakho iya kwi-savings

Icandelo lesibini lincinci kakhulu kodwa alikho ngaphantsi kwemfuneko kuneendleko zakho. Kwingxowa-mali ye-70-20-10, ujolise ekuthinteleni i-20% yayo yonke inzuzo yakho ekubeni imoshwe. Olu lusukelo oluhle, ngakumbi ngenxa yokuba ukholelwa ukuba amakhaya amaninzi aseMelika akagcini kakhulu.

Nangona ukuqala ngokugcina i-10% yomvuzo wakho kungcono kunanto, ukonyusa loo mali ukuya kuma-20% kukunika igumbi lokunyakazela ngakumbi.

Ngapha koko, omnye weyona miqobo iphambili abantu abaninzi abajongana nayo xa kufikelelwa ekongeni imali kukuba abanayo nje imali yokuphepha ukumosha. Enyanisweni, kunzima kakhulu ukuphepha inkunkuma ukuba uhlala imihla ngemihla. Ngoko musa ukuzibetha ukuba awukwazanga ukugcina imali kwiminyaka yakutshanje.

Nangona kunjalo, wonke umntu kufuneka ajolise ekuphepheni ukuchitha inxalenye enyanisekileyo yemivuzo yakhe. Sonke sifuna ingxowa-mali kaxakeka, ukongeza ekuphepheni inkcitho yexesha elide (yithi: umhlala-phantsi). Qwalasela ezinye zezi ndlela zokonga imali emvuzweni wakho. Makhe sijonge kwiindawo ezininzi apho unokonga khona imali.

Bandakanya ingxowa-mali kaxakeka kwingxowa-mali yakho ye-70-20-10

Nangona kungekho toni ye "zikhokelo" ezingqongqo zenkxaso-mali yabucala, kusabalulekile ukuba nengxowa-mali kaxakeka. Ungaqala ngengxowa-mali yexesha likaxakeka phambi kokuba kugcinwe enye imali. Ingxowa-mali yakho yonxunguphalo sisixa semali onayo xa ukwimeko kaxakeka.

Ukuba nemoto yakho itsalwa emva kokonakala kuhola wendlela inokuba ngumzekelo. Ukufowunela umntu osebenza ngemibhobho yamanzi ukuba alungise loo mbhobho ovuzayo, ukuhlawula intlawulo yezamayeza ngequbuliso, okanye ukuthenga itikiti lenqwelo-moya lokuya kumngcwabo womntu omthandayo kunokuba yimeko yongxamiseko.

Ukongeza kwiimali eziza kukuhlawulela xa kusenzeka ibango elinye okanye amabini okothusayo, kufuneka udale into abanye abayibiza ngokuba yi “comprehensive” emergency fund. Umzekelo, ungaqala ngengxowa mali encinci yeedola ezingama-500 okanye i-1000 yeedola. Oku kuya kukunika uxolo lwengqondo.

Kodwa kwenzeka ntoni xa uphelelwa ngumsebenzi? Okanye ngaba wena neqabane lakho nigxothiwe? Unokufuna imali yokuhlawula iintlawulo zakho iiveki okanye iinyanga. Ingxowa-mali engxamisekileyo eyomeleleyo idla ngokulingana neenyanga ezi-3-6 zeendleko zezindlu ezisisiseko.

Ngokubala ukuba yimalini oya kuyidinga kwiinyanga ezi-3 okanye ezi-6 zamatyala, iimali zakho ziya kuba luncedo. Ukwenza oku, kufuneka ulandelele kuphela iimfuno ezisisiseko: imali-mboleko / irenti, isithuthi sokuya emsebenzini okanye udliwano-ndlebe lomsebenzi, ukutya, kunye namanye amatyala angenakuxoxisana.

Ilizwi lengcebiso: Qinisekisa ukuba unengxowa-mali yakho yexesha likaxakeka kwiakhawunti ekulula ukuyifumana. (Ungayifaki ngqo kwi-akhawunti yomhlalaphantsi apho ungayi kukwazi ukutsala imali iminyaka.) I-akhawunti yokonga imali enesivuno esikhulu lukhetho olusebenzayo kwingxowa-mali yakho engxamisekileyo.

Ingxowa-mali yokucwila (yamatyala exesha elizayo)

Olunye uhlobo lweakhawunti yokonga imali ekufuneka uyithathele ingqalelo kwiimali zakho ze-70-20-10 yinto esiyibiza ngeemali ezizikayo. Ngamatyala amakhulu ahlukeneyo anokuthi avele amaxesha ngamaxesha. Awusoloko ufuna i-$ 50 ngenyanga, kodwa unokufuna ukuhlawula iindleko ze-$ 500 kwiinyanga ezintandathu.

Ngokwesiqhelo, ayibobulumko ukufaka yonke imali yakho ebekelwe bucala kwingxowa-mali yakho yexesha likaxakeka. Inokwenza kube lula kakhulu ukuyichitha kwizinto ezingalunganga. Unokwenza iiakhawunti ezahlukeneyo ngokupheleleyo kwiziko lemali elinye kwiintlobo ezahlukeneyo zeemali ezizikayo.

Emva koko ulungelelanise iindawo zokugcina zekhompyuter kwindawo nganye yazo. Nge ixeshaNokuba yi-$5 ngenyanga, i-$50 ngenyanga, okanye iitoni ngenyanga, loo ngxowa-mali izikayo iya kukhula. Injongo kukufumana imali yokuhlawula amaxabiso onokuthi uthembele ngokufanelekileyo, kodwa awukwazi ukuhlala uqikelela ngokuchanekileyo kwangaphambili.

Imizekelo yeNgxowa-mali etshonayo

• Ingxowa-mali yeKhaya yokuTyibilika (yokulungiswa okuqhelekileyo kunye nokuphuculwa kwepropathi yakho kunye nezixhobo zekhaya)
• Ingxowa-mali yokucwila kwiimoto (gcina imoto elandelayo oyithengayo kunye nokulungiswa kwemoto kwixesha elizayo)
• INgxowa-mali yeMbuyekezo yeRhafu yokuziQeqesha (abantu abazisebenzelayo nabazisebenzelayo kufuneka bazihlawulele irhafu yekota)
• Ingxowa-mali yoMsitho yokuSika (yokubamba umtshato we-intanethi okanye ngeendleko zokuya kwimitshato yexesha elizayo)
• Ingxowa-mali yokucwila ibhaso (ungagcina unyaka wonke kwizinto zamabhaso IKrismesi, umzekelo)
• INgxowa-mali yokuTshaniswa yaBantwana (gcina unyaka wonke kwezo nkampu zasehlotyeni kunye nemirhumo yobulungu)

Iimali zeBuffer zinokubonakala ngathi zinomsebenzi omninzi emva kokuba ugcwalise ingxowa-mali yakho kaxakeka, kodwa zifanelekile. Benza ukuba kungabi lula kakhulu ukuba ungene kwingxowa-mali yakho kaxakeka kuba uninzi lwala matyala alungisiweyo. Kwaye, amatyala avela "ngamaxesha ngamaxesha" awayi kuba nefuthe.

Ukugcina imali yomhlalaphantsi

Ngeengxowa-mali ze-70-20-10, unokwabela inxalenye ye-20% yakho kwiingxowa-mali zomhlalaphantsi. Nje ukuba ulungelelanise ingxowa-mali yakho kaxakeka kunye neemali ezizikayo, qalisa ukusebenza kumhlalaphantsi.

Ukuthatha umhlala-phantsi yinjongo ebalulekileyo yokulungelelanisa, kodwa ngokukhawuleza uqalisa, uya kuba ngcono. Ixesha, ngaphandle kwamathandabuzo, sesinye sezixhobo ezinamandla zokonga imali yomhlalaphantsi. Ufuna ukunika utyalo-mali lwakho ixesha lokukhula ngokuthanda ukwazi kunye nembuyekezo yemarike yemasheya.

401(kulungile)

401(kulungile), 403(b), kunye 457(b) akhawunti zezinye zeakhawunti eziqhelekileyo zomhlalaphantsi. Ziimoto zogcino-mali ezizukileyo zomhlalaphantsi, kodwa kufuneka ukwazi ukukhetha enye ngenkampani yakho.

I-401(kulungile) inika ithuba lokungachithi imali kumhlala phantsi phambi kweerhafu. Loo mali isuka ngokuthe ngqo kwi-payroll yakho iye kwi-akhawunti yenkxaso-mali, enciphisa umvuzo wakho orhafiswayo. Abanye abaqeshi bade batshatise inxalenye yeminikelo yakho engama-401 (kulungile), eyimali yasimahla ubukhulu becala!

Ngokungathandabuzekiyo, ezi akhawunti zirhoxisiwe irhafu, azihlawulelwa rhafu. Ke ngoku ugcina irhafu, kodwa ukuba uyarhola kwaye uqale ukutsala imali, uya kuhlawula irhafu.

Ngaphezu koko, kukho iinketho ze-401 (kulungile), kwaye siza kuthetha ngezinye zezona zibalaseleyo kwicandelo elilandelayo.

I-IRA kunye neRoth IRA

Ngesicwangciso se-401 (kulungile) okanye isicwangciso esithelekisekayo esixhaswe yinkampani, abantu abaninzi eUnited States banokugcina imali Iakhawunti yoMhlalaphantsi yoMntu (IRA). Kukho iiakhawunti eziqhelekileyo zomntu ngamnye, apho unokugcina khona unyaka nonyaka ngeminikelo exhuzulwa irhafu.

I-Roth IRAs yenye inketho, esebenzayo. Ukwahlula phakathi kwee-IRAs eziqhelekileyo kunye ne-Roth IRAs kukuba i-Roth IRA irhafiswa xa ufaka isandla, kodwa unokurhoxisa imali ngaphandle kwerhafu xa uthatha umhlalaphantsi.

Kukho iindidi ngeendidi zee-IRAs, kunye nee-SEP-IRAs, esizisebenzelayo ngazo. Kuzo zonke ii-akhawunti zomntu ngamnye, urhulumente wobumbano ubeka umda kwisixa onokuthi unikele ngaso ngonyaka Ngo-2022, ubuninzi be-$ 6.000Ukuba uneminyaka engama-50 ubudala okanye ngaphezulu, unokunikela ukuya kuthi ga kwi-7.000 yeedola.

ULondolozo lwezeMali kuLutsha oluseKholejini

Enye “ibhakethi” enkulu yokugcina imali ekufuneka uyiqwalasele ukuba ungumlondolozi yiakhawunti yekholeji yabantwana bakho abakwishumi elivisayo. Khumbula ukuba ukuhlawulela ikholeji akufuneki kube sinyanzelo kubantu abakumazwe amaninzi, kodwa njengomgcini, uya kufuna ukunceda abantwana bakho ukuba unako.

Wakuba uhlawule onke amatyala akho kunye nolunye ugcino olubalulekileyo (kwaye ungawuhoyi umhlala-phantsi), ungadlulela kulondolozo lwemali yesikolo. Nceda abantwana bakho bafumane imfundo ebalaseleyo ngaphandle kokuthatha imali-mboleko yesikolo egqithisileyo.

Njengalo naluphi na uhlobo logcino lwemali, xa kufikwa kucwangciso lwesikolo, kokukhona uqala, kokukhona kungcono. Oko akuthethi ukuba akufanele ulondoloze ukuba umntwana wakho sele efunda kwisikolo samabanga aphakamileyo, kodwa kungcono ukuqala esemncinane.

Iiakhawunti zediphozithi kunye nezicwangciso ezingama-529 zimbini zokhetho olugqibeleleyo kubantu abanabantwana abaya kuthi ngenye imini baye esikolweni.

Iiakhawunti zediphozithi

Enye indlela oomama nootata abanokusebenzisa ukugcina imali yasekholejini yiakhawunti yediphozithi. Le yiakhawunti yokonga {umgcini} okanye omnye umntu omdala anokuyivula egameni lomntwana ebomini bakhe. Umntwana uya kuthatha i-akhawunti kwiminyaka ethile, ngokuqhelekileyo i-18 okanye i-21 yeminyaka ubudala.

Kungcono ukwazi zonke iinkcukacha zeakhawunti yediphozithi ngaphambi kokuba uvulele umntwana wakho. Kusenokubakho kwakhona iirhafu ezibandakanyekayo, kwaye ekugqibeleni umntwana kusenokufuneka ahlawule irhafu kwingeniso. Nangona kunjalo, enye into emangalisayo malunga neeakhawunti zediphozithi kukuba akufuneki zisetyenziselwe isikolo kuphela.

I-akhawunti yediphozithi inokuba nomdla ukuba ufuna ukunika umntwana wakho ukhetho. Ukuba bathatha isigqibo sokulandela enye indlela, efana nomkhosi okanye ukuvula ishishini labo emva kwesikolo samabanga aphakamileyo, kunokuba luncedo ngakumbi kunesicwangciso sama-529.

529 izicwangciso

Isicwangciso sama-529 sithathwa njengesona sithuthi singcono kakhulu sokunceda abantu bathumele abantwana babo esikolweni. Ukuba ungumlondolozi, unokuvulela umntwana wakho iakhawunti ye-529 kwangoko kwaye uvumele imali ikhule ade akwazi ukuya ekholejini.

Izicwangciso ezingama-529 zineenzuzo ezintle zerhafu. Isiza Umvuzo weakhawunti awurhafiswa ukuba nje utsala imali yokuhlawula amatyala emfundo afanelekileyo. Okukhona utyalomali lwakho ixesha elide, kokukhona imbuyekezo enkulu emalini yakho, nto leyo ethetha ukuba kokukhona uya kuhamba ugcino lwakho lwemali.

Ngoko ke inxalenye yengxowa-mali yakho ye-70-20-10 inokuba nolondolozo lwemfundo yomntwana wakho. Khumbula ukuba kule ngxowa-mali ufaka i-20% kwingxowa-mali yeyunivesithi. Apha ungasebenzisa kuphela i-5% yomvuzo wakho, kodwa ulandele ubuninzi be-20%.

Utyalo-mali kwizabelo

Ukutyala imali kwimarike yemasheya yenye indlela yokuqala ukudala ubutyebi. Kungcono ukuba ugxininise kumanyathelo ahlukeneyo kuqala, njengokwakha ingxowa-mali yexesha likaxakeka nokutyala imali kwiakhawunti yomhlalaphantsi exhaswa ngumqeshi. Nangona kunjalo, ukutshala imali ngokwakho kwimarike yemasheya yenye inketho, ukuba ukulesi sigaba.

Unokuzama ukutyalomali okongeziweyo kwii-stocks ngokuqesha i-robo-advisor, okhetha ubuninzi bee-stocks ukuthenga ngokusekelwe kwidatha omnika yona. Le yindlela emangalisayo yokuqala ukutyala imali kwimarike yemasheya.

Olunye ubugcisa bokutyala imali kwimarike yemasheya kukusetyenziswa kwemali yesalathiso. Iimali zesalathiso ziyindlela yokutyala imali kwibhasikithi yee-stocks okanye iibhondi ekulindeleke ukuba ziziphathe ngendlela efanayo ne-stock market iyonke. Ngamanye amazwi, ufaka imali kwingxowa-mali ngenjongo yokuba nesabelo seenkampani ezininzi, ngethemba lokufumana imbuyekezo entle kwimali yakho kuba unezabelo ezininzi zenkampani.

Njengoko ulungiselela ukuntywila kwishishini lotyalo-mali kwimarike yemasheya, zama la mabinzana abonwa njengenkxaso-mali.

Utyalo-mali lwezindlu

Ukuba ukutyala imali kwi-real estate kubonakala kuyoyikisa kuwe, akufuneki kube njalo. Nangona inkxaso-mali yezindlu nezindlu inokuquka ukuthenga indawo yokurenta ukuze wenze imali, ngoku imali inokutyalwa kwizindlu nezindlu ngendlela ethozamileyo.

I-real estate itsala abanye abathengi kuba, ngokungafaniyo ne-stock market, i-real estate yi-asethi ebonakalayo. Yi-asethi ethile ethi ngokwethiyori inokuhlala inexabiso elithile.

Ukuqalisa kwicandelo lezindlu nomhlaba, unokutyala inxalenye yokonga kwakho kwinkampani yemali yezindlu, okanye iREIT. Kufana nokutyala imali kwimarike yemasheya, kodwa kwiinkampani ezizinikele ngokukodwa kwicandelo lezindlu. Kuwe njengomtyalo-mali, indlela ifana kakhulu nokuthenga iimali zesalathisi, kulula kunokuthenga ipropati kwaye ube ngumnini.

I-Crowdfunding yenye indlela elula yokuntywila kutyalo-mali lwezindlu nezindlu ngeemali zakho ezingama-70-20-10.

Emva kwayo yonke loo nto, kukho ithuba elihle lokuba ungene kwi-real estate ebonakalayo, enokuba yinto entle. Qinisekisa ukuba wenza uhlalutyo oluninzi, njengoko ayilulo uhlobo lomvuzo olunyanisekileyo kwaye ayilulo olwamntu wonke. Nangona kunjalo, ukuba ne-real estate ngokuzingca kunokuba yindlela enengeniso yokwakha ubutyebi bakho ngokuhamba kwexesha.

I-10% yomvuzo wakho iya ekuhlawuleni amatyala akho okanye ekwenzeni iminikelo

Kwimali ye-70-20-10, i-10% yokugqibela yemali yakho iya kwiminikelo. Ngamanye amaxesha le yiminikelo kwimibutho yesisa okanye izinto zamalungu entsapho emitshatweni, abo baphumeleleyo, njalo njalo.

Hlawula amatyala

Ngokuxhomekeke kwiimali zakho, unokubandakanya amatyala kolu didi lwe-10%. Nangona kunjalo, oku akuthethi ukuba unokunikela kuphela ngaphantsi kwe-10% yomvuzo wakho ekuhlawuleni imali-mboleko yakho. Usenokukhumbula ukuba imali-mboleko yabafundi kunye namanye amatyala aye aqukwa kwi-70% yodidi lwamatyala.

Iimali-mboleko zesikolo kunye namanye amatyala aziimfanelo, ngoko ke kufuneka ubandakanye eyona mali isezantsi iyimfuneko kwiindleko zakho. Ukongezelela, ukuba imali encinci ayikuvumeli ukuba uphelise ityala lakho ngokukhawuleza ngokwaneleyo, ungathumela imali eninzi ukukhawulezisa inkqubo.

Uthatha isigqibo sokuba ungayibala njani i-10% yokugqibela yomvuzo wakho. Ukuba unamatyala amaninzi, unokugxila ngokupheleleyo kuloo nto endaweni yokunika. Ngokukodwa, ukuba ityala lakho linenzala ephezulu, licebiso elihle ukuba ulihlawule ngokukhawuleza

Kwabo bebenamatyala amaninzi, kunokwenzeka ukuba ube noxinzelelo olunxulumene netyala. Ukumisela isicwangciso sezemidlalo esifanelekileyo kuwe sinokukunceda ukuba ungene endleleni eya kwinkululeko yamatyala.

Ityala leSnowball Technique

Indlela ethandwayo yokuhlawula amatyala yinto ebizwa ngokuba yi-“debt snowball”. Idume ngabaphembeleli bezemali babucala, ukuba netyala kwekhephu kuthetha ukuba ubhatale amatyala akho ukusuka kweliphantsi ukuya kwelonaphezulu.

Ibhola lekhephu luloyiso lweemvakalelo. Xa unamatyala amaninzi, unokuziva ufuthaniseleka. Usenokucinga ukuba awusoze uphume kuyo.

Umlingo we-snowball yetyala kukuba uqala ngeyona nto incinci kuwo onke amatyala akho, nokuba leliphi izinga lenzala. Oko kuthetha ukuqala ngokuhlawula intlawulo yokupaka ii-$75. Eyona nto incinci, kodwa ikunika imvakalelo yokufezekisa.

Ngalo lonke ixesha uhlawula ityala, unokuziva ulungile kwaye ufumane inkuthazo yokujongana netyala elilandelayo. Kuthatha ixesha, kodwa olu loyiso luncinci lunokuphembelela inkuthazo yakho yokuqhubeka kuba amatyala aba makhulu.

Technique yeTyala yeAvalanche

Abanye abantu bavuza ubuchule be-avalanche ukuze bahlawule. Ifana ncam nebhola ekhatywayo yetyala, ngaphandle kokuba igxile kwizinga lenzala kwityala ngalinye elinxulumene ne ubungakanani yetyala ngalinye. Izinga lenzala kwityala yimali umbolekisi akubizayo ukuba uboleke imali yakhe. Okukhona inqanaba lenzala liphezulu, kokukhona uya kuhlawula ngakumbi.

Ngokunyuka kwamatyala, kufuneka ujonge onke amatyala akho kwaye ujonge ireyithi yenzala nganye kuwo. Emva koko gxila kuyo yonke imali onokuyenza ekuhlawuleni elona tyala liphezulu lenzala kuqala. Kubantu abaninzi, lityala lekhadi lebhanki.

Ngokunyuka kwamatyala, kungcono ukugqiba ukuhlawula kancinci kakhulu. Nangona kunjalo, unokudimazeka ukuba kuthatha ixesha elide ukuhlawula ityala lakho ngeyona ndlela yenzala iphezulu. Indlela yokuhlawula amatyala ekufuneka uyisebenzise ixhomekeke kumlinganiswa wakho kunye nobuchule obukunceda ukuba uphumelele.

Khumbula ukuba xa usebenzisa iimali ze-70-20-10, imali yakho encinci yetyala ivela kwiklasi yakho yokuchitha. Uhlobo olongezelelweyo lwe-10% lwamatyala lubandakanya ezongezelelweyo imali eyongezelelweyo yokukhupha amatyala akho ngokukhawuleza.

Nika okanye wabelane

Inxalenye ye-10% yeklasi yakho yokuvala ingasetyenziselwa ukunikela kwinto ebalulekileyo kuwe. Isenokuba ngumnikelo osemthethweni, onezixa-mali eziqhelekileyo nyanga nganye kwiqela elinye, okanye unokutshintsha iminikelo yakho inyanga nenyanga.

Izishumi okanye iminikelo engeyiyo eyehlabathi

Abantu abaninzi babeka iminikelo kwindawo yabo yonqulo ibe yeyona nto iphambili Ezinye izithethe zomoya ziyibiza ngokuthi "isishumi." (oko kuthetha nje isishumi semali yakho). Nangona kunjalo, ukuba uyanikela okanye awunikeli ngokupheleleyo i-10% kubuncinci ibandla elinye okanye iqela lomoya kuxhomekeke kuwe.

Nikela kwiinjongo zesisa

Enye inxalenye yeminikelo yakho inokuthatha uhlobo lweminikelo kwimibutho yesisa okanye imibutho engenzi nzuzo. Unokukhetha lowo uthumo lwakhe ludibana nawe, nokuba kukunceda amaxhoba obundlobongela basekhaya, ukwemba amaqula eKenya, ukondla abalambileyo kwisixeko sakho, okanye esinye sezizathu ezininzi.

Izibonelelo ze-70-20-10 zemali

Zeziphi iingenelo eziphambili zokusebenzisa ingxowa-mali ye-70 20 10 ukulawula iimali zakho? Makhe sithethe ngezinye zezizathu eziphambili zokuba kutheni kufuneka usebenzise obu buchule bohlahlo lwabiwo-mali.

Imvelaphi ye-70-20-10 kulula ukuyisebenzisa

I-70 20 10 yangasemva kulula ukuyiqonda nokusetyenziswa. Ukunamathela kwizifundo ezithathu ezingundoqo kunokwenza uhlahlo lwabiwo-mali lubonakale lungenamthwalo kwaye lunokwenzeka ngakumbi, ngakumbi ukuba uluthiyile uhlahlo lwabiwo-mali.

Ukuchitha, ukonga kunye nokupha kudla ngokuba ziindidi ezintathu ezibalulekileyo ekuthethwe ngazo ngokwemali. Ewe, zininzi iindlela zokwahlula ezi ndawo, kodwa ukuthembela kula macandelo abanzi kunokukwenza uzive ngathi unokulawula uhlahlo lwabiwo-mali lwakho.

Ingqongqo kakhulu kunolunye uhlahlo lwabiwo-mali

Ingxowa-mali ye-70-20-10 inokuba ilungile kuwe kuba ibonakala incinci kakhulu kunezinye iibhajethi. Ezinye izixhobo zohlahlo lwabiwo-mali okanye ii-apps zinokufuna ukuba wenze amashumi amathathu eentlobo ezahlukeneyo zemali yakho kwaye ubukele yonke ipeni oyichithayo.

Ingxowa-mali ye-70-20-10 ikubonelela ngesikhokelo esiqhelekileyo esinokukunceda ukulawula imali yakho. Kodwa ngokuqinisekileyo ikunika inkululeko eninzi ngaphakathi kweso sikhokelo. Ngokuchitha i-70% yomvuzo wakho, unokwahlula iindidi zenkcitho nokuba ufuna kangakanani.

Ukungalungi kweemali ze-70-20-10

Njengeengxaki ezininzi, imali ye-70-20-10 ayisebenzi kumntu wonke. Ngezantsi uya kufumana ezinye zezinto ezitshabalalisayo zobu buchule bokudibanisa.

Abanye abantu bafuna imvelaphi eneenkcukacha

Usenokuba ufunde inxalenye engaphambili kwaye ucinga ukuba ingxowa-mali ye-70-20-10 ilula kakhulu kuwe. Unokufuna ukwahlula yonke ingeniso kunye neendleko ngokweenkcukacha ngakumbi kunye neenkcukacha.

Ukuba ucinga ukuba umlingiswa wakho ukulungele ngakumbi ukuqiniswa, ucwangciso olucacileyo, zama imodeli yebhajethi enzima ngakumbi. Injongo kukulawula imali yakho kakuhle, ungazivaleli kwimeko engakufanelanga.

Asinguye wonke umntu onokuphila nge-70% yomvuzo wakhe

Nantsi inyani ekhohlisayo malunga nezezimali: kwabanye bethu, i-70% yomvuzo wethu ayonelanga ukuba siphile ngayo. Ukuba umvuzo wakho awanelanga ukuhlawula amatyala akho nge-70%, le ngxowa-mali ayiyi kusebenza.

Ungazama nokuguqula esi sicwangciso kancinci ukuba umvuzo uqinile. Ingxowa-mali ye-80-10-10 ingaba sisisombululo esikhulu (chitha i-80%, gcina i-10%, unike i-10%).

Iimali ze-70-20-10 zinokuba zilungile kubantu abaninzi, kodwa ukuba unenkathazo yokuhlawula iifizi, mhlawumbi awuyi kuba nokukhetha ukugcina i-20% okanye ukunika i-10%. Kwaye kulungile.

Zama 70/20/10 imali!

Ukuza kuthi ga ngoku, kusenokwenzeka ukuba unombono olungileyo wokuba uyayifuna na loo ngxowa-mali ye-70-20-10. Le yindlela elula nelula yohlahlo lwabiwo-mali. Qwalasela uhlobo lohlahlo lwabiwo-mali oke waluzama ngaphambili, kwaye ucinge ngeenjongo zakho zemali xa usenza isigqibo.

Ukuthatha isitokhwe semeko yakho yemali yangoku kunokukunceda wenze isicwangciso semali. Imali yakho iyimfuneko kakhulu ukuba inyamalale ngomlingo, ke thatha umngcipheko kwaye uzame iikhonsepthi ezintsha zohlahlo lwabiwo-mali.

Unokuthanda iimali ezingama-70-20-10 okanye ungafumana indlela eyahlukileyo yokulawula imali yakho. Kukho inani leentlobo ezahlukeneyo zeemali onokuthi uzijonge ngoku kulandelayo:

• imali 80/20
• Umthetho wama-60-30-10
• Umthetho wama-60-20-20
• ingxowa-mali 50-30-20
• ubunzulu 30-30-30-10

Funda ukwenza imvelaphi ekufaneleyo ikhosi yethu yasimahla yohlahlo lwabiwo-mali! Kwakhona, mamela podcast Smart Women Yazi kwaye Umjelo weYouTube ukufumana iingcebiso kuyo yonke into enxulumene nezimali zabucala!