Umhlala-phantsi ophumeleleyo ngowama-More Kuninzi Ukhuseleko lwezeMali
Uninzi lwabantu lulinganisa isicwangciso somhlala-phantsi kunye no- 401 (k) okanye ukugcina imali ngekamva. Nangona umhlala-phantsi ngaphandle kwemali ayizwanga njengomhlalaphantsi, ukugxininisa kuphela kwiinkalo zemali zocwangciso kuyinkinga.
Umhlala-phantsi ovuyayo ngowona mkhulu kunokuba ube nemali eyaneleyo yokuhlawula iindleko zakho. Ngoko ke xa unesicwangciso somhlala - phantsi esikuyo ukuze uncede ukukhusela ikusasa lakho lemali, qiniseka ukuba uphinde ucinge ngemibandela engeyiyo yemali yomhlalaphantsi ophumelelayo.
Yaye ukuba unjengabathatha umhlalaphantsi oye wathatha ixesha lokwenza ingxoxo malunga nokuba ngaphezu kwemali, unokuchaza umhlalaphantsi ophumelelayo njengolonwabo. Ngoko masithathe isifundo kwiimbali zobomi zabahlali abaqeshisayo. Ezinye zezona zinto zihlala zivuya kakhulu kwaye zithatha umhlala-phantsi zizinto ezimbalwa ngaphandle kokuphepha kwezezimali ngokufanayo.
1. Babuyela emsebenzini
Usebenza ngomhlalaphantsi? Kodwa asiyisebenzeli ubomi bethu bonke abadala ukuba banelungelo lokungasebenzi emsebenzini?
Siyazi, kuyavakala ukukhuseleka, kodwa kuthwala nathi. Ucwaningo luye lwabonisa ukuba abantu abaza ngokuzithandela baqhubeke besebenza, kwanexesha elithile elidlulileyo, abaneminyaka engama-65 banolonwabo ngakumbi kunontanga yabo ehlala phantsi. Igama eliphambili apha lizithandela. Impembelelo kwinqanaba lonwabo lichasene xa abahlala phantsi bephoqeleka ukuba basebenze ngezizathu zezimali. Ngoxa uthabatha umsebenzi wexeshana ngomhlalaphantsi unokuncedisa ngemali, ubuncwane bayo bugqithise ngaphezu kwemali eyongezelelweyo.
Umsebenzi wokuzibandakanya, intsebenziswano yentlalo, kunye nenjongo yemisebenzi efunyenwe emisebenzini yonke yenza izinto ezimangalisayo zokuthatha umhlala-phantsi emzimbeni nangokwengqondo, njengokuba siyazi ukuba zibalulekile kwimeko yolonwabo nolwaneliseko.
2. Bagcina Ubume Babo
Ubudlelwane bobabini bothando kunye ne-platonic luyinxalenye ebaluleke kakhulu yomhlalaphantsi onomdla.
Abatshatileyo abatshatileyo abavakalisa ulwalamano lwabo kunye neqabane zabo njengento enhle okanye enkulu bayabonwabile ngakumbi kunabo abatshatanga.
Xa abantu beshiya umhlalaphantsi, baninzi balahlekelwa kwintando yenethiwekhi yabasebenzi kunye nabaqhelana nabo. Ukuze ube nomhlala-phantsi ovuyayo, fumana iindlela zokufumana intsebenziswano yentlalo. Ezi ntsebenziswano zingaba kunye nabantwana bakho nabazukulu, abamelwane, amalungu eqela loluntu okanye icawa, okanye nokuba yindoda kwindawo yekhofi. Yiya kumhlalaphantsi ngenjongo yokugcina ulwalamano lwakho olubalulekileyo. Iinjongo ezenzelwe umhlala-phantsi onomdla, kungekuphela nje, kodwa uphando lwangoku luye lwaphakamisa ukuba ukunyaniseka kungabangela umngcipheko ophezulu wokuphucula i-Alzheimer kunye nezinye izifo ezihlobene nokugula ngengqondo.
3. Bafumana i-Hobbies kwaye bahlale behamba
Abantu abaninzi bayakhohlwa ukuzibuza ukuba baya kuchitha ixesha labo xa behlala phantsi. Abacwangcisi bezezimali abafanelekileyo baya kubacebisa umxhasi wabo umbuzo njengendlela yokuncedisa ukuba yiyiphi inzuzo yengqiqo yokugcina imali (imirhumo yemirhumo kunye netikiti zendiza ziza ngeendleko!), Kodwa abantu abacwangcisa umhlala-phantsi kufuneka baqikelele ngaphaya kwemali.
Kwiminyaka emininzi, uchithe isabelo seengonyama ekuphumeni kwakho emsebenzini kwaye mhlawumbi ukhulise abantwana.
Xa uthatha umhlalaphantsi, loo mfuneko enkulu yokuzibophelela ixesha iya kuphazamiseka. Uya kuzizalisa njani iintsuku zakho? Ngaba iya kuba segolini? Ukudlala itennis? Ukwenza umsebenzi wokuzithandela? Ukunyamekela abazukulwana bakho? Ukuhamba? Ukufunda ukupheka? Ukudibanisa ibhola lebhunga?
Abathatha umhlala-phantsi bahlala behlala bevuya ngakumbi. Olunye uphando lubonise ukuba abahlali abahlala phantsi behlala behlala kwimisebenzi emithathu ukuya emine kwaye abaqeshwe phantsi kunye neeshedyuli ezigqithiseleyo bahlala bevuya kakhulu. Ngoko ke xa uhlala umhlala-phantsi ngokuqinisekileyo ube yithuba lokuphumla, kufuneka kube yithuba elenza izinto ozithandayo.
4. Ziyasebenza kwaye ziNempilo
Ukubaluleka kwempilo yakho xa kufikelele kulonwabo lwakho akunakugqithiswa. Enyanisweni, kwiphando lwakutshanje, ukuba nempilo enhle yayisetyenziselwe ukhuseleko lwezezimali njengesisombululo esibaluleke kakhulu sokuthatha umhlala-phantsi ovuyayo, kodwa ezo zinto zibini zihlangene kakhulu kunokuba ungacinga.
Impilo yinkalo yezemali kunye nokungabikho kwemali kuba iindleko zonyango ezibalulekileyo zinokubeka uxinzelelo olukhulu kwisicwangciso esithile sezemali esiqinileyo. Ukungathethi, ukuvakatyelelwa esibhedlele kunye noogqirha akuthethi ngokufanayo nokubekwa elunxwemeni okanye ukushaya igalofu. Nangona ungeke uqikelele ukukhathazeka kwezempilo, inyathelo elifanelekileyo liyakhusela. Qiniseka ukuba uyazinyamekela ngoku kunye nomhlalaphantsi. Yidla kakuhle, sebenzisa umzimba, kwaye ungayikunyamekela impilo yakho yengqondo okanye yengqondo.
Ngaphantsi
Nangona ukhuseleko lwezezimali luyisithako esibalulekileyo somhlalaphantsi ophumeleleyo, qiniseka ukuba ungayihoxisi ezinye izinto ezingezizo ezezimali ezenza umhlala-phantsi onomdla.
Ngaba umhlalaphantsi wokuqala umhlalaphantsi unokukhetha ?