Amandla okuthenga aqhutyelwa kakhulu kwinxalenye ye-LGBT yamandla okwandisa amandla: Umlingani wesibini ongqingili ufumana ama-$ 7,200 ngaphezu kweontanga zabo ezichanekileyo, kwaye isibini esinesibini somlingani sithatha i-$ 8,000 ngaphezulu.
Kwaye akunakonakalisa ukuba malunga nama-80 ekhulwini abantu abesinikwa ngokwesini abafana nabantwana abangakhulelanga abantwana, ukugcina imali engama-233,000 kumntwana ngamnye phambi kweendleko zekholeji.
Kanti yonke loo mali eyongeziweyo eyongeziweyo ayiguquleli kwi-savings ephezulu. Ngokwe -Survey ye-Prudential ye-LGBT yeeNkcazo zezeMali , imindeni yesini efana neyesondo enye inomyinge wama-6,000 kuphela kwi-savings kunezindlu ezilungeleyo.
Oku kuthetha uluntu lwase-LGBT, endiyinxalenye, sichitha imali yethu nxamnye nomdla wethu. Kwaye sinesizathu esikhulu sokonga kunye neengxamiseko zemali: Sekuyisikhathi eside ukuba abantu be-LGBT banokukhishwa kumazwe angama-28 ngoqhelwano lwabo ngokwesondo, kwaye i-14 kuphela yalezo zizwe zikhusele abantu be-transgender. Kwaye xa amaziko okuthatha umhlala-phantsi kunye needolophu ziba zixhaphake kakhulu, amaninzi amaninzi asenalo ukukhusela abantu abasemagunyeni afana namaziko okuhlala phantsi, iilali kunye namakhaya aseleyo.
Oku kuthetha ukuba sinokuhlukana nabasini bethu bobulili obufanayo okanye sinyanzeliswe kwakhona kwi-closet ukuze sigweme ukucalulwa.
"Kubaluleke kunanini ngaphambili ukuba abantu abatshatileyo bodwa baqinisekise ukuba bahlala kwiphepha elifanayo ngokwezimali kwaye banesicwangciso esicwangcisiweyo sezemali," kusho uBrian Thompson, uMcwangcisi wezeMali oQinisekisiweyo egxile kwi-LGBT.
Nantsi oku kufuneka ukuba izibini zesini esifanayo zenzele ukukhusela ikusasa labo lemali.
Thetha Imali
Incoko esimele siyenze ngaphambi komtshato, kodwa abaninzi abantu, ngokuchanekileyo okanye umgcini-mgca, awenzi. Sivame ukuxutywa kwiimvakalelo zothando ukucinga ngemali.
Ukukhawuleza kunokuba kamva, uthethe ngemali ngekamva lakho okanye oshade naye. Xoxa apho umela khona ngokwezimali njengabantu ngabanye okanye njengesiqabane. Yazi imali enayo, apho ikhona, kwaye utyalomali ngokufanelekileyo. Bhengeza amatyala akho, kuquka amakhadi ekwereta, iimali-mboleko zemoto, iibhilidi zonyango, iimali-mboleko zabantwana kunye nemali yokubolekwa kwemali.
Yazi ukuba iinjongo zomntu ngamnye kunye kunye. Nangona iinjongo zakho azifani, yazi ukuba unako ukuxhasana ekufezekiseni iinjongo zakho. Njengoko iCFP uDavid Rae waseLos Angeles ithi, "Iibhendi ze-LGBT zifuna ukuba zinyani, zihlale phantsi kunye nezinye ezibalulekileyo, kwaye zibeke izinto ezilungileyo kunye ezimbi. Ukumboza zonke iimpahla zakho kunye lakho lonke ityala. Usenokumangaliswa ukuba ungayifumana njani xa usebenza kunye. "
I-Akhawunti Yokugcinwa Kwemfuneko
Ngenxa yokuqeshwa kunye nokucwaswa kwabantu abakwi-LGBT, kubaluleke nakakhulu ukuba sibe ne-akhawunti yokulondoloza ngongxamiseko. Iingcebiso eziqhelekileyo kukugcina iindleko zokuhlala kwiinyanga ezintathu ukuya ezintandathu.
Ngenxa yokuba sibhekene nobungozi obungavamile, kufuneka silondoloze iindleko zokuhlala kwiinyanga ezintandathu ukuya kwezilishumi elinambini xa kunokwenzeka.
Ukuba wena kunye nomlingane wakho uhlala kwimeko apho unokuphelelwa khona xa ubuya kwi-honeymoon yakho, i-akhawunti yakho yokugcina ingxamiseko iya kukunceda ufike ude uqeshwe kwakhona. Ukuba omnye okanye bobabini ufuna unonophelo lwexesha elide kwaye ungafuni ukubeka umngcipheko wokuya kwikhaya lononophelo lomdabu, lo lu khuselo oluya kukufumana ukunyamekela ekhaya okanye amakhaya omhlalaphantsi onobubele.
Vula i-akhawunti yokulondoloza kwibhanki okanye inkontileka yemboleko ngaphandle kokubhalwa kwintlawulo, ukuhlawulwa kwebhilikhwe, ikhadi le-debit, okanye ezinye izinto ezintle. Musa ukuxhuma le akhawunti kwiyiphi na enye i-akhawunti yokudluliselwa kwemali ye-elektroniki (EFT). Le mali kufuneka kube nzima ukufikelela, nangona kungenakwenzeka.
Kunzima ukunqumla le mali nge-weekend-to-way, inyanzeliso encinane oyakuyichitha.
Xa uvuliwe, qalisa idiphozithi ngokuthe ngqo kumqeshi wakho kule akhawunti. Xa uhamba phambili ubeka idibansi kule akhawunti yokukhusela iimeko eziphuthumayo, ngokukhawuleza kuya kukhula. Nangona kunjalo, nayiphi na imali ilungile kunanoma yintoni.
Utyalo
Vula isicwangciso sakho sokuthatha umhlala-phantsi esixhaswe ngumqeshi, njengesi-401 (k), ipensheni, i-SEP okanye i-IRA elula, ukuba umntu uyakufumana. Emva koko, negalelo ubuncinci ubuncinane obufunekayo ukuze ufumane umlinganiso omkhulu womqeshi ukuba umdlalo womqeshi ufumaneke kuwe. Akwenzi oko ke ushiya imali etafileni.
Igalelo kwi-akhawunti ezinjalo zizenzekelayo kunye neerhafu ezingaphambi kweerhafu. Oko kuthetha ukuba umqeshi wakho ubeka ngokuzenzekelayo imali oyikhankanyileyo kule akhawunti ngaphambi kokuba i-IRS irhafu. Uza kuhlawula irhafu ngemali oyirhoxisayo kule akhawunti emva kokuba uthathe umhlalaphantsi kwaye ingeniso yakho iphantsi, kodwa uya kuba sekhokhini yentlawulo engaphantsi.
Ukuba unemali ekhoyo yokutyalomali emva kokuba ukhuphe isicwangciso sakho somhlala-phantsi esixhaswe yinkampani, utyalomali kwi-Akhawunti yoMhlala-phantsi ngamnye (i-IRA), njenge- IRA yeNdabuko okanye i-Roth IRA . Ukuba unayo imali ekhoyo yokutyalo-mali, ityala imali kwi-akhawunti yokurhweba. Ukutshala imali kule akhawunti kungasetyenziswa ngokuzenzekelayo. Emva kokuba uvula ii-akhawunti zakho, faka idiphozithi ngqo kuyo ngokusebenzisa umqeshi wakho.
Londoloza imali eyaneleyo yokuthenga isalathisi esipheleleyo semakethe. Ingxowa-mali yemarike ye-stock market yinye ingxowa efihla yonke imakethi ye-stock market yase-United States. Ukuba unayo imali eyaneleyo okanye ukhetha, utyalomise ngokubakho kwi-index-cap index index, isikhombiso-sikhokelo se-cap-middle, kunye ne-index-cap index index. Iimali zekhompyutheni zineendleko zolawulo oluphantsi kwaye azihlawulisi ikhomishini okanye intlawulo yokuthengiselana.
Inshorensi yobomi
Sivame ukuba sicinge ngomshuwalense wobomi xa siqala iintsapho. Uninzi lwabantu abanobini abafana nabantwana abangacwangcanga ukuba nabantwana abayicingi kakhulu. Kodwa inshorensi yomshuwalense yanamhlanje ingaphezulu kunceda amaqabane kunye namalungu entsapho xa sidlula.
Khusela Ababolekisi
Iingxowa azidluli xa udlula. Ngokuxhomekeke kwimeko enetyala kunye neemeko zakho zemali, abathandekayo bakho banokubuyiselwa imali mboleko yakho. Cinga ukufumana inshorensi yobomi ukuhlawula amatyala akho emva kokuba udlule.
Shiya ifa
Ukuba kukho enye okanye abantu abangathanda ukushiya ilifa, inshorensi yobomi inokukunceda. Unokushiya ilifa kumalungu entsapho, abahlobo, amaqabane angaphambili, kunye nabantwana abancinci.
Nika Usizo
Unokushiya iminikelo kuzincedisi ukuqinisekisa ukuba imibutho yakho oyithandayo iyaqhubeka.
Unyango
Unonophelo lwempilo lunokuthatha iipesenti ezingama-30 zomhlala-phantsi womhlalaphantsi, kwaye abantu abangasindanga ngokufanelekileyo badinga uncedo. Ubomshuwarensi bomi unokubandakanya amalungiselelo, afana nomfaki-mali okhawulezayo wokufa, ovumela ukuba iintlawulo zerhafu zifumane ukunyamekela unyango kwiimeko ezithile "ezibucayi".
Intsholongwane yeNtsholongwane
Ngethuba sisesifundweni se-inshurensi, kubalulekile ukuba abantu be-LGBT baqwalasele ukuthenga i-inshorensi yonyango yexesha elide (LTCI). I-LTCI yenye yezona ndawo ziyinkimbinkimbi zonyango ngenxa yokuba zifuna uncedo lwabantu ngabanye. I-LTCI inokuluhlula kwiinkonzo ekhaya ngeemfuno eziphambili, ezifana nokupheka, ukutya, nokucocwa, ukuncedisa ubomi, ejolise kwimpilo yomntu yansuku zonke.
Ngenxa yokuba abantu abaninzi kunye neziqabane zesini esingafaniyo nabantwana abanabantwana, kubalulekile ukuqonda izinto esilindele kuzo kwizigaba ezahlukeneyo zobomi bethu kunye nempilo. Ubomi, eneneni, inokuba nezinye iimbono. Yazi into oyifunayo ukuba uza kuphila iminyaka yakho eseleyo ngokwemiqathango yakho.
Ngeemali ezinganeleyo okanye i-inshorensi, izigqibo malunga nendlela onokunyamekela ngayo zingashiyelwa kwilizwe okanye umgcini onikwe lona. Ufuna ukuhlala kwiminyaka yakho eseleyo ngokwemiqathango yakho, kungekhona yowesithathu.
Yonwaba
Ukukhula kwenyama yakho yenyama yisicwangciso sexesha elide. Akukho mntu ulindele ukuba ulondoloze iinyanga ezili-12 zeendleko zokuhlala, ukukhupha zonke ii-akhawunti zomhlala phantsi, ukuhlawula iibhilikhwe zakho kunye nobomi bonke ngonyaka. Le ngqungquthela, kungekhona i-sprint. Yakha isicwangciso semali ukufezekisa iinjongo zakho zemali ngexesha. Unokugxila kwelinye injongo ngethuba okanye ulwahlule kwaye unqobe. Ezi zigqibo wena, okanye wena kunye neqabane lakho kufuneka nilenze kunye.
Kukho konke, ungalibali ukuzonwabisa. Ukulondoloza nokutshala imali kuyonwabile, kodwa kubandakanya isicwangciso sokuzonwabisa ngemali. "Beka bucala imali yonk 'inyanga nganye, ngoko uthabathe iholide leyo," utsho uRae. "Awukwazi ukulala nendlala kumzimba omangalisayo, kwaye awukwazi ukulambalala yakho imali ukuze ube nobutyebi novuyo."
Kukho izixhobo ezininzi esinokuzikhusela thina, abafazi bethu, kunye neentsapho zethu njengabantu abathandekayo. Kungathi uzive ngathi zininzi izixhobo ezisetyenziswayo. Kukho konke okusemandleni ethu ukupaka iplani yezemali ukufezekisa zonke iinjongo zethu neemali. Unamandla ngakumbi njengabantu ngabanye kunye nezibini, esinamandla ngakumbi njengabantu. Ngaloo mandla kuza uxolo kwengqondo, kwaye awukwazi ukubeka ixabiso kwilo.