Njengoko wenza indlela yakho ekukhotheni inkululeko, qaphela ezi mpazamo ezine:
1. Ukungabi neFund yeNgxowa-mali
Xa uzama ukubeka imali eninzi kunokwenzeka kwi-yakho ityala, unakho ukutyekela ukuyeka ukufumana ingxowa-mali .
Esi sigqibo singakulimaza. Uxinzelelo oluthile-kungakhathaliseki ukuba ukulungiswa kwemoto engalindelekanga okanye indleko yonyango-kuya kwenzeka xa uhlawula ityala lakho. Ukuba awunakulungele, ungagqiba ekungeneni kwinqanaba. Ucwaningo lwangoku nje lweBhanti lubonisa ukuba ama-36 ekhulwini aseMelika aya kuboleka kubangani okanye kwintsapho, athathe imali mboleko, okanye asebenzise amakhadi ekwereta ukuphatha i-$ 1,000 yeziganeko eziphuthumayo.
Gwema le mpazamo ngokugcina imali encinci yemali xa uhlawula ityala lakho.
2. Ukuthabatha iNgxowa-mali yeMali yasekhaya
Ukukhwabanisa kokuthatha imali-mboleko yemali okanye umgca wekhredithi ukuhlawula ityala lakho labathengi linokubangela umdla-unako "ukusula" ityala lakho lekhadi lesikweletu kunye nezinye iintlawulo zenye ziwa swoop, ngokutshintshela enye inkokhelo enye umgangatho wenzala.
Oku kunokukwenza ukuba iimeko zetyala lakho lizive lihleleke ngakumbi kwaye zincinci.
Kodwa oku kungenza kube yimpazamo, kumanqanaba amaninzi. Kubaqalayo, uhlawula ityala lakho elingakhuselekanga kodwa ukwandisa oko ufunwa ngamatyala akho. Ukuba unenkathazo yokuhlawula imali mboleko yakho yasekhaya, ikhaya lakho linokungena engozini.
Ukongezelela, unokwandisa oko uhlawulayo kumdla ukuba usebenzisa imali-mboleko yemali ukuhlawula unyango kunye nezinye iindleko ezithandayo, okanye izinga eliphantsi kunomboleko omtsha.
Okona kubaluleke kukuba, kuyiphutha kuba awuyi kunciphisa ityala lakho-uhamba nje! Ukuba usula ityala lakho lekhadi lesikweletu kunye nezinye iintlawulo ngaphandle kokubhekisa okubangela ukuba ungene kwi-matyala, mhlawumbi umcimbi wexesha ngaphambi kokuba uphinde uphumelele.
3. Ukuboleka Kwakho 401 (k)
Esinye isisombululo esinetyala esinokuzama ukuboleka ku-401 (k) yakho . Kuye ngaphandle kokuthetha ukuba ukwenza oku kuhambelane nesizathu sokuba unika inxaxheba kwi-401 yakho (k) kwindawo yokuqala: Ukubonelela ngekamva elifanelekileyo lezemali. Ukuboleka kuyo kungakhupheli imali kwilo njongo kwaye kukubangela ukuba ungaphumeleli ngenzuzo yenzalo.
Nangona kuya kufuneka uhlawule umboleko ngemali, inzala ivela kuwe, ngoko akukho nzuzo ekhoyo apho. Ngaphezulu, imali oyisebenzisayo ukuhlawula umrhumo ixhomekeke kwiirhafu eziphindwe kabini kuba uhlawula imali mboleko emva kwerhafu yerhafu emva koko uza kuhlawulwa irhafu xa uthetha ukunikezelwa.
Ukongezelela, ukuba usususwe emsebenzini okanye ushiye emsebenzini, uya kufuneka uhlawule umboleko kwimali ethile, ngokuqhelekileyo iintsuku ezingama-60 ukuya kwe90; Ngenye indlela, ibhalansi yemali-mboleko iya kuthathwa njenge-distribution taxable kwaye iya kuthotyelwa isohlwayo se-10 ekhulwini xa uneminyaka engama-59 / 1/2.
Lo mzekelo uza kwenza ukuba ityala lakho libi ngakumbi.
4. Ukuwa kwi-Scam Relief Scam
Iinkampani ezininzi zikwazi ukunciphisa ityala lakho. Kwaye izithembiso ezenzayo zinokubonakala ngathi impendulo oyifunayo.
Kodwa qaphela. Nangona amanye amashishini ahloniphekileyo anika iingcebiso ngekhredithi kunye neenkonzo ezinxulumene nazo, kukho iinkampani ezininzi ezinenjongo eyona nto kukuthatha imali yakho. Abanye bazama ukunciphisa ityala lakho, kodwa sebenzisa izinto ezinokungabaza ezinjengokubamba iintlawulo zakho ngaphandle kweenyanga eziliqela, ngaloo ndlela ukubeka kwindawo apho ungasemva kweebhilikhwe zakho ezikulungele ukuxoxisana nabo. Oku kunokunciphisa imali ekugqibeleni uyihlawule ngayo iibhilikhwe zakho, kodwa ingangena ingozi kuwe.
Enye indlela yokubona ugqithiso uyakubona xa bakucela ukuba uhlawule: Ukuba inkampani idinga ukuhlawulwa ngaphambili, mhlawumbi ukhonjiswe.
Enye ifulegi ebomvu kukuba uthembisa isiphumo esithile, kuba akukho mntu unokuqinisekisa ukuba ngababolekisi bakho baya kukulungele ukwenza ntoni. Ubulumko obuqhelekileyo bukukhokele apha-ukuba kukuva kuntle ukuba kulungile, mhlawumbi.
Xa ugxininiswe ngetyala, kuyaqondakala ukuba ufuna isisombululo esheshayo okanye sisisisombululo. Kodwa gcinani engqondweni ukuba awuzange ungene ematyaleni ubusuku, ngoko akunakwenzeka ukuba uya kukwazi ukuwukhupha ngokukhawuleza, mhlawumbi. Ukuba ufuna ukuqinisekiswa ukuba uphumelele kwetyala elilungileyo, unokufuna ukunqumla iifutshane.