Uluhlu lwakho (ngokuhlekisayo olulula) lwezeMali lokuSebenza

Umzekeliso: David Wyffels

kutheni kunzima kangaka ukufumana indoda elungileyo
Isizathu Sokuba Kubalulekile : Uyazazi iindleko zetikiti ezinkulu ebomini bakho, kodwa yonke inkcitho encinci inokuba ngumbulali. Jonga ukuphuma kwakho kwenyanga, kwaye ndiyaqinisekisa ukuba uya kuba nemizuzu embalwa ethi 'Yikes, bendingenalo nofifi'.



Yenza Oku Ngoku : Qokelela ibhanki yakho kunye nezitatimenti zekhadi letyala. Emva koko yiya kwiwebhusayithi yam, SuzeOrman.com , kwaye ucofe kwizixhobo zeSuze ukufumana umkhondo weendleko. Ngenisa iindleko zakho zenyanga, kwaye unyaniseke malunga nalapho iya khona imali yakho.

Umzekeliso: David Wyffels

Kutheni Kubalulekile : Sidla ngokugxila kwii-asethi kwaye silibale ngamatyala. Ukhuseleko lwezezimali lufuna ukujonga umfanekiso omkhulu: ii-asethi thabatha amatyala.

Yenza oku ngoku : Chwetheza 'i-net value calculator' kuyo nayiphi na i-injini yokukhangela kwaye uya kufumana intaphane yezixhobo zasimahla ze-intanethi zokukunceda uthathe isitokhwe sempahla yakho kunye namatyala.

Umzekeliso: David Wyffels



Isizathu Sokuba Kubalulekile : Amanqaku akho okuthenga ngetyala achaphazela inzala oyinikwayo kumakhadi okuthenga ngetyala nakwimali-mboleko, anokusetyenziswa ukuhlola isicelo sakho somsebenzi, kwaye kwamanye amazwe anokuba nefuthe kwintlawulo yakho ye-inshorensi. Ngoko iingxelo zakho zekhredithi, ezimisela inqaku lakho leFICO, kufuneka zihlaziywe kwaye zichaneke (iimpazamo zininzi). Amanqaku phakathi kwiminyaka yama-700 (uluhlu ngama-300 ukuya kuma-850) lukufumana inkwenkwezi egolide.



Yenza Oku Ngoku : Yiya e AnnualCreditReport.com ukufumana iingxelo zakho zetyala simahla kumaziko amathathu ekhredithi: Equifax, Experian kunye neTransUnion. Rhoqo ngonyaka, unelungelo lokufumana ingxelo enye yasimahla komnye. Ukuba isayithi icela ikhadi lakho letyala ukufumana ingxelo, ukwindawo engalunganga! Jonga iingxelo zakho malunga neempazamo, kwaye ulandele imiyalelo yokufaka ingxabano. Nje ukuba izilungiso zenziwe, yiya ku MyFICO.com ukuthenga amanqaku akho ekhredithi yeFICO. Ungafumana unikezelo lwamanqaku ekhredithi asimahla. Zii-knockoffs ze-real deal-amanqaku akho e-FICO yinto eninzi ababolekisi kunye namashishini abajonga ngayo. Kubiza i-20 yeedola ukubona amanqaku akho eFICO; ngento eninzi emgceni, lixabiso elincinci lokuhlawula.

Umzekeliso: David Wyffels

Isizathu Sokuba Kubalulekile : Ukunyuswa komvuzo ophakathi ngo-2015 kulindeleke ukuba kube malunga neepesenti ezi-3. Ngoko cela umngeni kwintsapho yakho ukuba inyuse uqingqo-mali lwakho nge-10 leepesenti ngokucutha imali oyisebenzisayo nge-10 ekhulwini.



Yenza Oku Ngoku : Nje ukuba ufake ingeniso yakho kunye nokuphuma kwi-Expense Tracker kwiwebhusayithi yam, yiprinte kwaye ujikeleze zonke iindleko ezifunwayo (kungekhona imfuneko), uze ukhangele indlela yokunciphisa okanye ukuyiphelisa.

Umzekeliso: David Wyffels

Isizathu Sokuba Kubalulekile : Usoloko ukhangela amaxabiso angcono—kutheni ungakwi-inshurensi yasekhaya neyemoto, nayo? Unamandongomane ukuba awuthelekisi ivenkile ye-inshurensi yemoto; unokonga i-10 ekhulwini okanye ngaphezulu. (Kodwa musa ukunciphisa izinga lakho lokhuselo. Ufuna ukhuseleko oluchanekileyo ngexabiso elingcono.)

Yenza Oku Ngoku : Yiya e InsWeb.com kwaye NetQuote.com ukufumana iikowuti zeprimiyamu kwiintlobo ngeentlobo zamakhaya kunye ne-inshurensi yemoto. (Kwiingcaphuno ezizenzekelayo ezivela kwiProgressive kunye neGEICO, yiya kwiiwebhusayithi zabo.)

Umzekeliso: David Wyffels

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Isizathu Sokuba Kubalulekile : Ukutsalwa okuphantsi kweedola ezingama-250 okanye kunjalo kunokukuhenda ukuba wenze amabango ezinto zamatikiti amancinci. Yenza oko rhoqo kwaye i-inshurensi yakho inokunyusa i-premium yakho okanye iqale ngokupheleleyo. Kwaye kukho intlawulo entle yokutsalwa okuphezulu: Nyusa i-auto yakho kunye ne-deductibles yekhaya ukuya kwi-1,000 yeedola okanye ngaphezulu kwaye ixabiso lakho leprimiyamu liwela ubuncinci be-10 ekhulwini.

Yenza Oku Ngoku : Fowunela i-inshurensi yakho yangoku kwaye ucele ikowuti entsha esekwe kwi-deductible ephezulu. (Kodwa yenza oku kuphela ukuba unengxowa-mali yokonga engxamisekileyo enokuhlawula iindleko zokuxhuzulwa.)

Umzekeliso: David Wyffels

iincwadi ezinje ngento ayilibeleyo ualice
Isizathu Sokuba Kubalulekile : Iimanyano zamatyala zisoloko zisisivumelwano esingcono kuneebhanki kwaye zikholisa ukuhlawula izivuno eziphezulu kwiidiphozithi.

Yenza Oku Ngoku : Yiya e ASmarterChoice.com kwaye ujonge enye eyinxalenye yenkqubo ye-inshorensi yomanyano eqhutywa yiNational Credit Union Administration (iya ku MyCreditUnion.gov kwaye ucofe kuKhusela iiMali zakho, Yabelana nge-Inshurensi ye-Inshurensi ukujonga). Ukhuseleko luyafana nolwebhanki ye-FDIC—i-0,000 ngomntu ngamnye kwimanyano yetyala i-inshorensi ngokupheleleyo, kwaye ukhuseleko olongezelelweyo lusekwe kwiintlobo zeeakhawunti oziphethe.

Umzekeliso: David Wyffels

Isizathu Sokuba Kubalulekile : Okwangoku ndiqinisekile ukuba uqalile ukugcina. Inyathelo elilandelayo kukugcina ude ube uneendleko zokuphila ezixabisa iinyanga ezisibhozo.

Yenza Oku Ngoku : Yiya e FDIC.gov/ede kwiibhanki kunye I-NCUA.gov ukuze iimanyano zamatyala ziqinisekise ukuba ingxowa-mali yakho kaxakeka igcinwe kwiziko elikwi-inshorensi emanyeneyo. Ungaze utyale imali yakho engxamisekileyo kwi-stock market. Ikhuselekile, hayi uxolo, yiyo yonke into ebalulekileyo.

Umzekeliso: David Wyffels

Isizathu Sokuba Kubalulekile : Ukuba uyiyekele kwinkampani yakho ukuba ikubhalise ngokuzenzekelayo kwisicwangciso xa ubuqeshwa, kukho ithuba elihle lokuba izinga lakho legalelo lisezantsi kakhulu ukuba liphume kumdlalo.

Yenza Oku Ngoku : Fowunela isebe lakho labasebenzi okanye inkampani eqhuba isicwangciso sakho; khulisa igalelo lakho ukuze ulungele umdlalo obuninzi.

Umzekeliso: David Wyffels

Isizathu Sokuba Kubalulekile : Awukwazi ukujongana ne-mortgage? Eso ayisosizathu sokugqogqa iingxowamali zakho zomhlalaphantsi. Xa loo mali iphelile, uya kujongana nokuvalwa, kodwa uya kuba ulahlekelwe ukugcinwa kwakho komhlalaphantsi, nawe.

Yenza Oku Ngoku : Sukukhupha i-401(k) yakho xa ushiya umsebenzi. Ukongeza kwisohlwayo sokurhoxisa kwangoko (ukuba ungaphantsi kweminyaka engama-55), ukuba nombono omfutshane kuya kuxabisa iinzuzo zexesha elizayo. Yiya e MoneyChimp.com kwaye ucofe isithuba seKhatyhuleyitha. Phantsi 'inqununu yangoku,' faka ixabiso lika-401(k). Shiya 'ukongeza ngonyaka' kungenanto. Ukuze 'iminyaka ikhule,' faka umahluko phakathi kweminyaka yakho kunye nama-65. 'Ngomlinganiselo wenzala,' sebenzisa isi-5 ekhulwini. Bala ixabiso elizayo. Umahluko phakathi kwaloo nto kunye nexabiso langoku yinto onokuyiyeka ngokukhupha imali. Nceda uqaphele: Olu lulwazi ngokubanzi kwaye ayenzelwanga ukuba ibe yingcebiso yezomthetho. Kufuneka udibane nomcebisi wakho wezezimali phambi kokuba wenze naziphi na izigqibo ezinkulu zemali, kubandakanywa utyalo-mali okanye utshintsho kwipotfoliyo yakho, kunye nengcali yezomthetho eqeqeshiweyo phambi kokuba wenze nawaphi na amaxwebhu omthetho okanye uthathe nawaphi na amanyathelo omthetho. IHarpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC kunye neenkampani zabo ezidibeneyo kunye namaqumrhu abanalo uxanduva kuyo nayiphi na ilahleko, umonakalo okanye amabango anokuthi aphume kwizigqibo zakho zemali okanye zomthetho.

Amanqaku Umdla