Xa uhlala phantsi ukubhala uhlahlo lwabiwo-mali okanye usebenze kwisicwangciso-mali sexesha elide, unokuba uzama ukwenza utshintsho kwibhajethi yakho. Kukho iimpazamo eziqhelekileyo zemali abantu abazenzayo xa bephethe iimali zabo. Kukho iintlanu zezona mpazamo ezinkulu zezemali ezizenzayo , kwaye oko kukuphela kokuzilimaza ekugqibeleni, kodwa ungathatha amanyathelo okulungisa iimpazamo zakho . Funda kule mpazamo ukuze ungenzi iimpazamo ezifanayo kwixesha elizayo.
01 Londoloza Imali ngokuLahla i-inshurensi yakho yempilo
Ukuba ufuna ukunciphisa iindleko zempilo yomshuwalense wakho we-inshorensi kwi- plan ye-inshurensi yempilo ephezulu echithwayo kwaye ubeke imali kwi- akhawunti yokulondoloza impilo (HSA) inyanga nganye. Oku kukuvumela ukuba ulondoloze imali ngokubanzi, kwaye ugubungela ukutyelelwa kwegqirha kwesoxesha lakho kwi-HSA yakho. Kwakhona kukukhusela kwimeko apho inhlekelele ingalindelekanga. Awufuni ukulwa nesibhedlele xa ufuna inkqubo yongxamiseko eyenziweyo.
02 Umfanekiso wezinto eziza kusebenza kakuhle
Kuyinto engathandabuzekiyo ukucinga ukuba izinto ziza kusebenza ngokukhawuleza. Ukuba awuyi kuza nesicwangciso esiqinileyo sokuthenga indlu nokulandela uhlahlo lwabiwo-mali, akukho nto iya kutshintsha. Uya kuba kwindawo efanayo okanye ukugqithiseleyo kunyaka ozayo ngeli xesha, ukuba awuyi kudala isicwangciso esiqilileyo kwaye ulandele ibhajethi ebhaliweyo inyanga nganye. Kuthatha ucwangciso ukuqhubela phambili kwisinyathelo esilandelayo. Kufuneka ulungiselele ukwenza izinto ofuna ukuzenza. Ibhajethi yakho yindlela onokufumana ngayo ulawulo lwemali yakho. Ikuvumela ukuba ufumane ixesha kunye nendlela ochitha ngayo imali yakho. Kubalulekile ukuqaphela ukuba uhlahlo lwabiwo-mali alukho igama elibi , kwaye isicwangciso sakho sezimali siya kunceda ufikelele kwiinjongo zakho.
03 Thembela KwiiKhadi Zakho Zemali Ukufumana
Ukuba ukwenza oku kanye okanye kabini, unokukwazi ukuphuma kwetyala ngokukhawuleza, kodwa ukuba wenza le mkhwa, uza kukhwela ininzi ityala ngexesha elifutshane, kwaye awuyi kuba ukuba nantoni na ukubonisa kuyo ekupheleni konyaka. Uxinzelelo luya kwenzeka ngokungalindelekanga, yingakho kufuneka ulondoloze i- fund yexakeka-mali ukuze ungafuneki ukusebenzisa amakhadi akho ekhredithi ngokukhawuleza. Kufuneka wenze injongo yokuyeka ukusebenzisa amakhadi ekhredithi ngokupheleleyo kunyaka ozayo. Ukuba uyayisebenzisa, uhlawule ngokugcwele ekupheleni kwenyanga nganye. Le yinye yempazamo yekhredithi ongayenza.
04 Ukuyeka Ukulondoloza Umhlala-phantsi Kuze ...
Kufuneka uhlawule rhoqo umhlalaphantsi. Awufuni ukuyeka kude ude uthenge ikhaya okanye ude uhlawulwe ngokupheleleyo. Ungeke ube negalelo elipheleleyo leepesenti ezilishumi elinesihlanu kufuneka usebenze ngokubhekisele xa uzama ukuphuma kwetyala, kodwa kufuneka uqhubeke unikela ngeminikelo ngoku. Xa useneminyaka engama-20, unamaxesha amade ude umhlalaphantsi kwaye unomdla ngakumbi ngoku, imali leyo ingakunceda. Ixesha elide likhule kwaye lizuze. Kufuneka uqinisekise ukuba unika iminikelo rhoqo kwiakhawunti yakho yomhlalaphantsi. Ukuba awufaneleki u- 401 (k) ngoko kufuneka ulungise i-IRA .
05 Ukunika Ingcinezelo Yokuthatha Isinyathelo Esilandelayo Esilandelayo
Uninzi lweziganeko zobomi luyakuchaphazela imali yakho. Xa ugqiba ukutshata, hamba utshintsho lomsebenzi, uthenge indlu okanye uqalise intsapho, kufuneka ulungele utshintsho abaya kuzisa kubomi bakho. Nguwe kuphela onokugqiba ukuba ixesha lilungile ukwenza ezo zigqibo. Abazali bakho okanye abahlobo bakho banokunyanzelisa ukuba wenze ezinye izigqibo okanye ukukhawuleza into ethile ngaphambi kokuba ulungele ngokupheleleyo. Ukuba awukakulungeli okwamanje, ungazisola ngokhetho olwenzileyo, kwaye unqabile nayiphi na inyathelo oyithathileyo. Ukucwangcisa ngoku kwezi ziganeko kuzakukwenza kube lula ukuthatha amanyathelo xa ulungele, kodwa kufuneka ugqibe isigqibo.