Iingcebiso ezibalulekileyo zokusindisa kwi-40+ Isihlwele
Ngaba uyaxhala malunga nokuba ufuna imali engakanani ukuze uthathe umhlalaphantsi?
Ngaba uyazi ukuba uninzi lwemali oyifunayo ngomhlalaphantsi, kodwa ugxininiswe ngcamango yokugcina imali enjalo?
Ukuba uphendule "ewe" kuyo nayiphi na le mibuzo, khangela ezi zicebiso ezine zokugcina umhlala-phantsi ezenzelwe isihlwele esingama-40 nangaphezulu.
Isicatshulwa sokuqala siya kukunceda ukuba ufumanise imali engakanani oyifunayo umhlalaphantsi, ngelixa ezinye iingcebiso zinceda ufumane iindlela zokufumana imali engaphezulu.
Ndingakanani Imali Ndiyayifuna Ukuthatha umhlalaphantsi?
Inkcazo eninzi imali yokugcina umhlala-phantsi njengoko unako. Ukuba uqala ukugcina umhlalaphantsi kwiminyaka yakho engamashumi amabini, umgaqo jikelele wesohlwayo uthi ungabikho ngokugcina imali ye-10 - 12 yeepesenti zokuhlala ekhaya.
Ukuba uqala kuma-forties akho, umthetho oqhelekileyo wezithupha uthi ufuna ukwandisa izinga lokugcina imali kwi-15 ukuya kuma-20 ekhulwini.
Ngaba oko kuzwakala kunzima? Emva koko zama lokhu: kunokuba ugxininise kwipesenti yakho yokuhlawula ekhaya omele uyigcine, uthathe isigqibo sokuba uninzi kangakanani imali ofuna ukuhlala kuyo ngonyaka ngethuba lomhlalaphantsi. Phinda u-25 ufumane ubungakanani obufunekayo ukuze ulondoloze.
Ukuhlala kwi $ 40,000 ngonyaka ngomhlalaphantsi, umzekelo, uya kufuna i-$ 40,000 x 25 = $ 1 yezigidi kwipotifoliyo yakho yomhlalaphantsi .
Iigidi eziyi-1 zezigidi zinokuzwakala ngathi zininzi kodwa khumbula: Awudingi ukufumana i-$ 1 yezigidi kumsebenzi wakho we-9 ukuya ku-5, ufuna nje ukukhuphula i-$ 1 yezigidi ngokusebenzisa utyalo-mali .
Eyona nto ibaluleke kakhulu kukukunceda ukufezekisa eli lixesha elide. Xa ixesha lakho lide lityalomali kwingxowa-mali yomhlalaphantsi, luyakhula ngakumbi. Enyanisweni, ngeqhinga lokulondoloza, unokudala i-dollar yezigidi ze-dollar kwimizuzu engama-17 ukuya kwe-20.
Ngoba? Ngokucacileyo, ixesha elide mali lakho lityalomali, unako ukuxhamla inzuzo yokwenza umdla .
Emva kokuhamba kwexesha elaneleyo, inzala enomdla iya kukuvumela ukuba uphindwe kabini okanye kathathu imali yakho .
Khangela Imithombo Yengeniso Yamanje
Ukuba umsebenzi wakho wangoku awuhlawuli ngokwaneleyo ukwenzela ukuba ugcine i-$ 1,500-$ 2,000 ngenyanga okanye ngaphezulu, unokufuna ukucinga iindlela zokufumana imali kwicala.
Amanani amancinci enza impembelelo enkulu. Ukuba unako ukufumana i-$ 100 eyongezelelweyo ngeveki- mhlawumbi ngokuhlawula iindwangu, ukuhlalisa abantwana, ukubonisana, ukufundisa okanye ukuzithumela i-freelancing - kwaye unako ukuhlawula i-$ 100 eyongezelelweyo ngeveki kwimikhuba yakho yokuchitha imali, uya kulondoloza i-$ 10,400 ngaphezulu.
Fumana Imithombo Yemivuzo Yengomso
Ukongeza kokufumana ngaphezulu, ukuchitha ngaphantsi nokwakha i-portfolio yakho yezigidi-mali, ungaphinda ukhangele imithombo yengeniso kwimhlala-phantsi.
Ndiyazi omnye umhlalaphantsi lowo indlu yakhe ihlawulwe ngokupheleleyo; unemali-mboleko. Uhlawula indlu yakhe kubaqeshi. Usebenzisa inxalenye yengeniso yokuqeshisa ukuhlawula irente yakhe kwindawo engabizi, kwaye uhlala kwiseleyo yengeniso yokuqashisa, eyongezelela umhlalaphantsi omncinci kunye noKhuselo loLuntu.
Icala lakhe libi kakhulu kuba abaninzi abantu abafuni ukuphuma emakhaya abo. Kodwa inguqu eguqulelwe yile nto ingabakho ukuqesha inxalenye yendlu yakho, njengokwendlu yangasese okanye indlu kamasipala.
Umzekelo omnye wendlela ezininzi onokufumana imali eyongezelelweyo ngelixa uhlala phantsi.
Ungaphinde ufundise iiklasi, uthintane, usebenze ngononophelo, okanye usebenze njengomntwana.
Ukulahla Umhlalaphantsi
Ukuba uneminyaka engama-40, usenayo ixesha elaneleyo lokuqokelela i-portfolio ye-$ 1 yezigidi. Uneminyaka engama-20 ubudala ushiye kude kube ngumhla wakho womhlalaphantsi.
Kodwa kuthekani ukuba uneminyaka engama-50 okanye ama-60 kwaye uyaqaphela ukuba uye wancinci ngokuxhaswa ngemali yakho yephothifoliyo yomhlalaphantsi? Qhubeka usebenza.
Ngaphandle kokuba umphathi wakho okanye amandla akho empilo ukuba uthabathe umhlalaphantsi, hlalani emsebenzini kubangangoko unako. Unyaka ngamnye ongezelelweyo kubasebenzi baya kukunika imali eninzi ongayilondoloza umhlalaphantsi , kwaye utyalo-mali lwakho luya kuba nexesha elingakumbi lokukhula.