Ukuba i-Worth Your Net Not What You Hoped, Yenza Zitshintsho Ezincinane Eziqala Kulo Namhlanje
Yintoni efanelekileyo?
Inkokhelo ekhoyo phakathi kwexabiso lento enayo-indlu yakho, iimali zomhlala-phantsi, i-akhawunti ye-investment, ukujonga ibhalansi ye-akhawunti, njl. -nciphisa amatyala anjalo njengemali mboleko, ityala lokuthenga ngetyala kunye nokunye. Inani elibalulekileyo liyinombolo ebalulekileyo ukuyigcina ingqondo njengoko inokukunceda ukuba ubone ukuba ingaba ityala lakho linokuchaphazela njani ubutyebi bakho besikhathi esizayo, kwakunye nokugqamisa imimandla ofuna ukuyigxila ngaphambi kokuba umhlala phantsi.
Ukubala inani lakho lokunatha lilula nje ngcaciso yalo. Jonga yonke into enayo, kuquka i-asethi eya kuba yinxalenye yesicwangciso sakho somhlala-phantsi, njengama-401 (k), amasheya kunye notyalo-mali. Yenza uluhlu oluhlukileyo lwezilinganiso zakho ezikhethiweyo kunye namatyala kwaye ususe loo mali kwisibalo sakho konke onakho, kwaye oko kuseleyo kukufanelekile .
Hlala phantsi kwaye uthathe imizuzu embalwa ukubala inani. Ngaba uyamangalisa ngenani okanye ngaba ulindele ukuba umthamo wakho ufanele ukuphakama?
Ukuba kunjalo, ungesabi! Kukho izinto ezimbalwa ongenza ukuze ukwandise umthamo wakho, ukususela namhlanje.
1. Hlaziya iziTyala zakho
Jonga ngokubanzi iinkcukacha zakho. Oku kufuneka kube yinombolo elula ukufumana nje ukuba kungakanani na amatyala akhokhelwa inyanga nganye kunye naluphi na uhlobo, njenge-mortgage yakho, ityala lekhadi lesikweletu kunye nokuhlawulwa kwemboleko.
Ngaba kukho iimfanelo ongazinqumla okanye ukunciphisa? Ukunciphisa ityala lakho liyinyathelo elikhulu ekuncediseni ukwanda kwenani leenombolo!
2. Hlaziya iimpahla zakho
Unokuba ungazi kakuhle ukuba zonke izinto zakho zifanelekile, okanye ukuba ixabiso liza kutshintshwa, kodwa unokufumana umlinganiselo ojikelezayo. Zama ukushiya nayiphi na impahla. Khumbula, nantsi iiklasi zakho zee-asethi eziphambili:
- Indawo yokuhlala yaseprayimari: ubulungisa obunakho nakwikhaya lakho, umvuzo wakho omkhulu.
- Ikhaya lokuphumula kunye nepropati yokuqeshisa: ngokuqhelekileyo ihlawulwa ngemali, ngoko ke ngokuqinisekileyo uya kuba ufuna ukubala!
- Utyalo-mali: amasheya, iibhondi, iimali kunye kunye nezicwangciso zokuthatha umhlala-phantsi. Khawukhumbule nje ukufaka irhafu kule mali kwiimfanelo zakho.
- Iziqokelelwane: ubugcisa kunye neengqungquthela-imarike yezi zinto ziya kuguqulwa, kodwa unako ukuhlala unomncedisi.
3. Ukuhlawula iindleko
Imali engaphantsi oyichithayo, ngoku ngakumbi uqokelela ngokufanelekileyo. Jonga iindleko zakho zangoku kwaye ubone ukuba kukho iindawo onokuzibuyisela. Khumbula, kunye needola ezimbalwa apha kwaye ziyakongeza kwimali eninzi kulo lonke ixesha kunye nexesha elide!
4. Ukunciphisa amatyala
Ukunciphisa ityala yindlela efanelekileyo yokunyusa ubutyebi bakho bokamva.
Okokuqala, uya kufuna ukufumanisa ityala lakho elikhulu. Emva koko, qwa lasela ukuhlanganiswa kweentlawulo okanye ukunyusa iintlawulo zenyanga, zombini ezo iindlela ezibonakalisiweyo zokunciphisa ityala.
5. Ukuhlawula i-Mortgage yakho
Cinga ukuhlawula imali yakho yokuthenga imali kwaye ufumane ixabiso elikhulu kwiincwadi zakho. Ukufumana ikhaya lakho liza kuba yintengiso yakho enkulu.
6. Ukuphonononga iindleko zonyaka
Ziziphi iindleko zonyaka ezizisa umnani wakho wenani eliphantsi-kwaye yiyiphi na ayifuniyo? Khangela izinto ezifana ne-inshurensi yakho kunye neeprojeyam zonyango ngamnye kunyaka. Thelekisa ixabiso lomyinge kwaye ubone ukuba nayiphi na iindleko zonyaka zingagqitywa.
7. Ingeniso yokuTyala
Ingeniso yokutsalwa kwemali yindlela enhle yokwandisa umthamo wakho-ukuba wenze ngokufanelekileyo. Funda apha ngeenkcukacha ngendlela ebendiyisebenzisayo kunye nabaxhasi ngeminyaka ebizwa ngokuba yi "System Bucket System". Umgaqo-siseko wolu hlobo kukuba uzahlula utyalo-mali lwakho kumabhakethi amane: ibhakethi yemali, ibhakethi yengeniso, ibhakethi yokukhula, kunye nebhakethi yokufumana enye.
Ukwazisa: I-Balance ayinikezeli ngerhafu, utyalo-mali, okanye iingcebiso zeenkonzo zezezimali. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.