Funda ngemali ngejubane lakho

Isebenza kanjani

1. Funda isifundo esifushane Ulimi olucacile, izibonelo zangempela, namagama amasha achaziwe.
2. Hlola ukuthi yini oyifundile Phendula imibuzo embalwa bese ubone ukuthi kungani impendulo ngayinye ilungile.
3. Qhubeka Landela indlela isihloko ngesihloko, noma uqale ngalokho okudingayo namuhla.

Indlela yakho yokufunda

Sincoma ukuthi uqhubeke ngokulandelana, kodwa ungaqala nganoma yisiphi isihloko.

1. Isihloko 1

   Izisekelo zemali: Hlela, Landelela, futhi Londoloze

   Yakha uhlelo lokusebenzisa imali olusebenzela imindeni yangempela yendawo ye-DC, kufaka phakathi imali engenayo engalingani nemali ethunyelwe emndenini, bese uqala isikhwama esiphuthumayo kusuka ku-zero.

   Izifundo: 2 Mayelana nemizuzu engu-29

   1. Build a Spending Plan That Fits Your Real Life

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   2. Start an Emergency Fund from Zero

      Mayelana nemizuzu engu-14 Imibuzo ye-Quiz: 6

2. Isihloko 2

   Banking Basics: Accounts That Work for You

   How to open an account (even without an SSN), compare banks, credit unions, apps, and check cashers, and send money abroad safely and cheaply.

   Izifundo: 3 Mayelana nemizuzu engu-46

   1. Opening a Bank Account, Even Without an SSN

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   2. Banks, Credit Unions, Apps, and Check Cashers: What Is Protected and What It Costs

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   3. Ukuthumela Imali Ekhaya: Qhathanisa Izindleko Futhi Wazi Amalungelo Akho

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

3. Isihloko 3

   Izinkokhelo kanye nezintela zemali engenayo yomuntu siqu

   Qonda i-stub yakho yokukhokha nokubamba, phatha intela ngemali engenayo ye-gig nemali, bese ufaka mahhala ngenkathi ufaka isikweletu ngasinye ositholile. I-Money Smart ayinayo imodyuli yentela, ngakho-ke lesi sihloko siyinhloko isandiso se-Dollar Scholars.

   Izifundo: 3 Mayelana nemizuzu engu-48

   1. Read Your Pay Stub and Fill Out Your W-4

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   2. Izintela ze-gig, imali, kanye nemali engenayo yokuziqasha

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   3. Faka isicelo samahhala bese ufaka isicelo semali oyitholile

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

4. Isihloko 4

   Imibiko Yesikweletu Nezikweletu

   Funda umbiko wakho wesikweletu futhi ulungise amaphutha, yakha isikweletu kusuka kulutho (kufaka phakathi njengomuntu omusha noma umnikazi we-ITIN), futhi ufunde ukuthi yini ehambisa amaphuzu akho.

   Izifundo: 3 Mayelana nemizuzu engu-51

   1. Read Your Credit Report and Fix Mistakes

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

   2. Build Credit from Zero

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

   3. What Moves Your Credit Score (and What Does Not)

      Mayelana nemizuzu engu-17 Imibuzo ye-Quiz: 6

5. Isihloko 5

   Ukuboleka ngokuhlakanipha nokugwema ukubolekwa kwemali mboleko

   Bona intengo yangempela yemalimboleko, qaphela usuku lokukhokha, isihloko, ukuqasha, neminye imikhiqizo ebiza kakhulu, thola izinketho eziphephile, futhi uthole isivumelwano esifanele lapho uxhasa imoto.

   Izifundo: 2 Mayelana nemizuzu engu-36

   1. The Real Price of a Loan: High-Cost Traps and Safer Options

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

   2. Buying a Car: Get a Fair Loan and Avoid Dealer Traps

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

6. Isihloko 6

   Amakhadi wesikweletu nokuphatha izikweletu

   Sebenzisa ikhadi lesikweletu ngaphandle kokukhokha inzalo, yakha uhlelo lokukhokha olusebenzayo, futhi ubhekane nabaqoqi bezikweletu, amaphepha enkantolo, nezikweletu zezokwelapha ngokuzethemba.

   Izifundo: 3 Mayelana nemizuzu engu-49

   1. Use a Credit Card Without Paying Interest

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   2. Make a Plan to Pay Off Debt

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

   3. Dealing with Debt Collectors and Collection Lawsuits

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

7. Isihloko 7

   Ukuqwashisa nge-Scam nokuvikelwa kobunikazi

   Qaphela imikhonyovu yanamuhla, ikakhulukazi leyo ehloselwe abokufika, abaqashi, nabafuna umsebenzi. Vikela ubunikazi bakho mahhala futhi ululame uma webiwe.

   Izifundo: 3 Mayelana nemizuzu engu-49

   1. Spot Today's Scams: Impostors, Texts, and Payment Apps

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

   2. Imikhonyovu ebhekiswe kubokufika, abaqashi, kanye nabantu abafuna umsebenzi

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

   3. Protect Your Identity and Recover If It's Stolen

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

8. Isihloko 8

   Izinketho zokuqasha nezindlu

   Qasha ngokuzethemba endaweni ye-DC, futhi uqhathanise izindleko zangempela zokuqasha nokuthenga ngaphambi kokuqala indlela yokuba nekhaya.

   Izifundo: 2 Mayelana nemizuzu engu-34

   1. Renting in the DC Area: Leases, Deposits, and Your Rights

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

   2. Rent or Buy? Compare the Real Costs

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

9. Isihloko 9

   Thenga ikhaya bese uthola imali mboleko

   Lungiselela izinyanga ezingaphezu kwezingu-12, sebenzisa usizo lokukhokha phansi, qhathanisa ukunikezwa kwemalimboleko, vala ngokuphepha, futhi wazi ukuthi ungaphendukela kuphi uma ubuyela emuva.

   Izifundo: 3 Mayelana nemizuzu engu-52

   1. Get Mortgage-Ready: A 12-Month Plan

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

   2. Down Payment Help and Loan Types in DC, Maryland, and Virginia

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

   3. From Loan Estimate to Closing Day (and Keeping Your Home)

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

10. Isihloko 10

    Ukulungiselela nokululama ekuphazamisekeni kwezezimali

    Okufanele ukwenze ezinsukwini zokuqala ezingama-30 ngemuva kokumisa imali engenayo, kanye nohlelo oluphuthumayo lomndeni lwezinhlekelele, ukugula kanye nezinguquko ezingazelelwe.

    Izifundo: 2 Mayelana nemizuzu engu-30

    1. When Income Stops: Your First 30 Days

       Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 6

    2. Your Family's Financial Emergency Plan

       Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 6