Qala uCwangciso loMhlalaphantsi
Into yokuqala omele uyenze yilungiselelo lomhlalaphantsi. Ukuxhaswa kwangaphambili kwaye rhoqo kuthetha ukuba unokufumana kunye negalelo eliphantsi elingaphantsi kwepesenti yakho kwaye akudingeki ukhathazeke ngokufumana emva koko. Kunengqiqo ukucwangcisa ngokungathi uya kuba noxanduva lwakho lomhlalaphantsi ngokwakho. Oku kukuvumela ukuba ulondoloze ngokwaneleyo kwaye uya kukushiya ulungele. Inokukunceda ukuba ukwazi ukuhlala phantsi. Ukuba awufaneleki u- 401 (k) okwangoku, vula i-IRA kwaye uqale ukufaka isandla kulo. Ukuba unelungelo lokufumana u-401 (k) qi niseka ukuba usebenzise umdlalo womqeshi wakho nangona usebenza kwezinye iinjongo zemali.
Gcina kwiKamva lakho
Ukongeza kwindleko yokuthatha umhlalaphantsi, kubalulekile ukubeka eceleni imali yezinye iinjongo zemali ofuna ukufikelela kuzo kwikamva. Kungase kufika ixesha xa ufuna ukuthenga ikhaya lakho okanye i-condo uze uqale ukwakha ubulungisa endaweni yokuqasha.
Ukulondoloza iindleko ezifana nokuthenga imoto entsha kunokukunceda ugcine imali kwimali. Ukuba ufuna ekugqibeleni uqale ishishini lakho, ukugcina imali eyinkunzi ukwenza oko kuya kuba ngumgomo omkhulu.
Yakha iSicwangciso seMali
Isicwangciso semali singabandakanya konke ukusuka kwisicwangciso sakho somsebenzi kwisicwangciso sakho somhlalaphantsi. Ukuba oko kuvakalelwa kakhulu kunzima ukuqala kunye nesicwangciso seminyaka emihlanu .
Ufuna ukuhlala phi kwiminyaka emihlanu? Yintoni oyifunayo ukwenza imali ukuze ufike khona? Emva koko uyigqithele ukuya kwiinjongo zonyaka kunye nenyanga. Qinisekisa ukuba ufake iinjongo zexesha elide njengomhlalaphantsi njengenxalenye yesicwangciso sakho. Oku kungabandakanya ukubuyela esikolweni ukuze ufumane imfundo yakho kukunceda ngegosa elilandelayo lomsebenzi.
Gxininisa ekunyusweni kweLing Ladder
Ngoku lixesha elide lokugxila kwinqanaba lomsebenzi. Kuthatha ixesha kunye nomsebenzi onzima ukunyuka. Yenza iinjongo ezicacileyo kwaye unqume oko kufuneka uyenze ukufikelela kuzo. Kusenokuthetha ukutshintsha iinkampani, ukuya kwenye idolophu okanye ukubuyela esikolweni. Kusenokuthetha ukuba wenza umsebenzi oqaqambileyo okanye udale inethwekhi yolwazi kwaye ufumane umcebisi ukukunceda ufikelele kuloo njongo. Gweba amanyathelo omsebenzi owufuna ukuyithatha uze uqale ukuthatha. Kukulungele ukutshintsha iikhompyutheni kwinqanaba elithile kwaye ukhethe ukuya kwinqanaba elitsha xa ufumana ukulungeleka kangcono kuwe. Iingcamango zingatshintsha, kodwa isitshixo kukuba uqhubeke phambili kuloo phupha.
Qiniseka ukuba uhlahlo lwabiwo-mali
Uhlahlo lwabiwo-mali lunye lwezona zixhobo ezinkulu zokulawula imali yakho ngokufanelekileyo. Xa ungatshatanga, kulula ukulungisa ukudala uhlahlo lwabiwo-mali . Iindleko zakho zichanekileyo kwaye ukuba uhlawula iibhidi zakho yintoni ekubaluleke ngayo kwaye usebenzisa njani imali yakho?
Nangona kunjalo, uhlahlo lwabiwo-mali luyakunceda ufumane iinkalo ongazinqumlayo kwiinkcitho ukubeka imali engakumbi kwi-savings okanye kwetyala. Yenza ingeniso yakho ibe yinto , kwaye uhlahlo lwabiwo-mali ngokufanelekileyo. Oku akuthethi ukuba akufanele ujabule, kodwa misela ukuba unako ukuchitha ixesha ngelixa usebenza kwisicwangciso sakho semali uze unamathele kuloo mali.
Ukunyamekela i-Credit yakho / amatyala
Ikhredithi yakho kunye netyala linokuchaphazela ubuchule bakho bokuthatha isinyathelo sakho esilandelayo sezemali ekuthengeni ikhaya ukukhangela umboleko wezoshishino ukuvula ibhizinisi lakho elitsha. Ukuhlawula ityala lakho kuya kukhulula imali eyongezelelweyo ongayisebenzisa ukuze ugcine imali. Iintlawulo zexesha elide zingenza kube nzima ukufumana imboleko. Ukuthatha ixesha lokulungisa iimpazamo ezidlulileyo kunye nokucima ingxelo yakho yekhredithi kuya kwenza kube lula kuwe ukufikela iinjongo zakho kwixesha elizayo.
Qinisekisa ukuba unayo i-Intshurensi yangempela
I-inshurensi ikho ukukhusela.
Kuyakhathaza ukubona imali yakho engenayo iya kwinshuwalense nganye ngenyanga, kodwa ikhona ukukhusela. Xa unomnye, i-inshorensi yexesha elifutshane kunye nexesha elide liyakwazi ukusindisa umphefumlo, ingakumbi ukuba unayo ingxowa-mali yongxamiseko. Le nshurensi iya kukukhusela ukuba ngokukhawuleza awukwazi ukusebenza ngenxa yokulimala okanye ukugula. Intshuwalense yezempilo ingakuphepha ukuba ungabhoxiswa xa ugula ngokukhawuleza. Ininshurensi yeRharener ingakunceda ukuba ugweme uxinzelelo lokutshintsha yonke into ukuba uphangwa. Thatha ixesha lokuqinisekisa ukuba ukhuselwe.
Musa ukulibala i-Inshorensi yobomi
Xa ungatshatanga, kunokubonakala ngathi awudingi inshuwalense yobomi. Oku kuyinyani ngakumbi ukuba awunayo umntwana okanye nabani na onoxanduva lwezemali. Nangona kunjalo, kufuneka ube neokwaneleyo ukufihla indleko zakho zokungcwaba. Unokuphepha ukushiya umthwalo wale nkcitho kwiintsapho okanye ngabahlobo bakho. Abaqeshi abaninzi banikela umgaqo-siseko omele uhlawule ezo ndleko. Ukuba unembopheleleko yokuncedisa umntu ngaphandle kwezezimali, unokufuna ukucinga ngokuthatha umgaqo-nkqubo omkhulu ngokwaneleyo ukuba bahlala ngaphandle kwenzalo ukuba bawutyalomali.
Yakha iNgxowa-mali Yakho yoPhuseleko
Ingxowa-mali yongxamiseko ibalulekile xa ungatshatanga. Kungaba yinto ekulondolozayo ekubeni ungabi nakhaya ukuba ulahlekelwa ngumsebenzi wakho ngokukhawuleza. Inokukunceda ukukhupha iindleko ezingalindelekanga kwaye uthathe uxhala kunye nokuncipha. Kubantu abahlala kwimali engenayo, inzuzo yonyaka yinjongo efanelekileyo. Oku kuya kukunika ithuba lokufumana umsebenzi omtsha ngaphandle kwengcinezelo eninzi.
Beka yonke into ekuMyalelo
Ekugqibeleni thabathe ixesha lokubeka yonke into. Kungabonakala ngathi kusekuseni ukuba ungakhathazeki ngako, kodwa ukuthanda kunye nezifiso zokugqibela kunokukwenza izinto zibe lula kubathandekayo bakho ukuba unokudlula ngokungalindelekanga okanye ukuba uya kugula ngokukhawuleza. Ukwenza izigqibo malunga nokuphila okulungileyo okanye i-DNR, umnikelo womzimba, izicwangciso zomngcwabo kwaye ngubani ozakuqhagamshelana ukuba uyadlula akuyi kuthatha ixesha elide, kwaye emva koko wenze, akudingeki ukhathazeke kwakhona. Uxwebhu olubandakanya nayiphi na i-inshurensi yolwazi, i-akhawunti yebhanki kunye ne-akhawunti yomboleko iya kwenza kube lula ukuba umntu akuncede xa ufuna. Ngokuqhelekileyo umzali ngumntu olungileyo ukunika loo nkcazelo, kodwa ukuba awukwazi ukunika umngane othembekileyo oqonda imeko.