Izinto ezingabikhoyo kwiBhajethi zingaba zibulale ekuphumeni kwakho
Ekubeni ezi zinto zingabandakanywa kwiluhlu lwakho lwamaxesha onke lwenkxaso-mali eziye zashiywa ngaphandle, zingonakalisa isicwangciso sakho somhlala-phantsi .
Ngezantsi zizinto ezisixhenxe zeendleko abantu abaninzi abahlala beshiya kwibhajethi yabo yomhlalaphantsi.
1. I-inshurensi yempilo / iindleko zonyango
Ukuba uthatha umhlalaphantsi phambi kweminyaka engama-65, iindaba ezilungileyo unako ukuthenga i-inshorensi kwi-Market Exchange Marketplace. Iindaba ezimbi: zilungele ukuhlawula i-premium ephakamileyo uze ukwazi ukufaka izicelo ze-Medicare (iminyaka engama-65). Ukuba ufuna ixabiso elincinci, ukuba iiprayimari zomntu omnye zikwazi ukuhamba malunga ne-$ 5,000 ukuya kwii-6,000 zamawaka ngonyaka. Phindela loo nombolo isibini esitshatileyo. Ukuba uzimisele ukwamukela i-deductible ephezulu, zakho iiprimiyam ziya kuba ziphantsi. Kufuneka kwakhona uqinisekise ukuba ibhajethi yakho yomhlala-phantsi iquka iindleko ezinjengezinto eziphathekayo, i-inshorensi, ukuhlawula imali kunye nombono kunye neendleko zezinyo.
Oko Kufuneka Ukwazi Ngayo Ngomhlaba Wemarike Yokushintshwa kwezeMpilo
2. Iholide
Imali yokuhamba nokuzonwabisa imele ifakwe kwi bhajethi yakho. Uhambo aluzihlawulelanga. Izibonelelo ezi zinto ziya kuhluka, kodwa ukuba usetyenziselwa ukuthatha ikhefu elilodwa ngaphambi kokuba uthathe umhlalaphantsi, cwangcisa ukubandakanya oko kubhajethi yakho yomhlalaphantsi ngokunjalo.
Ukuba usetyenziselwa ukuhlawula iindwendwe kunye nokuhamba kweebhonasi, kunokulula ukulibala ukuquka ezi ndleko kwi-budget yakho yokusebenzela emva. Ukuhamba kunganciphisa ngaphezu kweminyaka, kodwa kwiminyaka yokuqala ye-10-15 yesicwangciso sokuthatha umhlala-phantsi malunga nokuchitha imali malunga nokuhamba, okanye ngaphezulu, njengoko wenzayo kwiminyaka ngaphambi kokuthatha umhlalaphantsi.
Iindlela ezi-7 zokufumana iholide
3. Inshshurensi yobomi kunye neNkxaso yeNtsholongwane yeNyanga
Ezi zindleko zingakwazi ukushiya lula kwi-bhajethi ukuba uhlawula iipriyamu rhoqo ngonyaka. Ngaphandle kokuba ungayidingi umgaqo-nkqubo awuyi kuphinda uhlawule ezi ntlawulo ze-premium kunye ne-akhawunti kwiindleko kwibhajethi yakho. Kwixesha elide, iiprayimari zokunyamekelwa kwexesha elide ziyakhula, ngoko kukulungele ukucwangcisa ukuba le ndleko iya kunyuka emva kwexesha.
Ndingumhlala phantsi. Ngaba ndisadinga inshuwalense yobomi?
4. IiNqwelo ezintsha
Isithuthi sakho samanje mhlawumbi asiyi kuqhubeka ngexesha lakho lomhlalaphantsi. Kungakhathaliseki ukuba uhlawula imali okanye imali kunye neentlawulo zenyanga, ngezinye iinkcukacha uza kuba neendleko kwizithuthi ezintsha (okanye iindleko zeendleko zokuthutha ezifaniswayo). Abaninzi abahlala phantsi, ingakumbi abo abanakho imali mboleko kwiimoto zabo, bayalibala ukuphendula ngale mali xa beqhuba isicwangciso sabo somhlala-phantsi.
Ngaba Umele Uthenge Imoto Eyisebenzisiweyo?
5. Ikhaya kunye nokuzilungisa ngokuzenzekelayo
Njengokuba sifuna ukuba i-dishwasher yethu, ifriji, i-microwave, isher & dryer, i-heater kunye ne-air conditioner iza kuhlala ngonaphakade. Ukulungiswa okanye ukutshintsha iifowuni rhoqo rhoqo, ukuthatha indawo yamathayi nokulungisa ezinye izithuthi zemoto, ukufumana ifomethi entsha yangaphandle, ukuhlaziywa kwethebhulethi yakho (kwaye mhlawumbi umbhede), kwaye xa iteknoloji iqhubela phambili, ithathe indawo yekhompyutheni, iiprinta kunye neTV ziza kwenzeka ngexesha elithile .
Ezi zinto ziphawuleka ukuba zikhoyo kwiibhajethi ezininzi zomhlalaphantsi. Indlela eyona ndlela ibhetele yohlahlo lwabiwo zinto: beka bucala imali nganye ngenyanga ukuze ungene ngqo kwi-akhawunti yokugcina ongayifakela ngayo xa le ndleko ezilindelwe "ezingalindelekanga" zenzeke.
Ukuphila Ngovuyo Ngaphantsi
6. Izipho kunye noNcedo
Esinye isipho sokupha sipho kuphela kanye okanye kabini ngonyaka. Kwabanye iiveki nganye. Ngayiphi indlela, ukuba ungathanda ukuqhubeka uhamba ngezinga elifanayo, ke qiniseka ukunika ingxelo ngezipho, iminikelo yokunceda kunye nokweshumi kwibhajethi yakho yomhlalaphantsi.
Iindlela ezi-5 zokwamkela i-Holiday Gift Gift Ukunika ngaphandle kokuqhawula iBhajethi yakho
7. Abantwana abadala / abazukulu
Okungakumbi ndibona abantwana abadala beboleka imali kubazali. Njengomzali ndiyazi ukuba 'ukuboleka' akunakuze kuhlawulwe. Ukuba awuyi ku-akhawunti kule bhajethi yakho yomhlalaphantsi, okanye wenze ezinye iinguqulelo kwindlela yakho yokuphila, unokuzifumana enkingeni.
Izibini ezininzi zithatha umhlalaphantsi ngesicwangciso esiqinileyo somhlala-phantsi, ngoko abantwana babo bangena enkingeni kwaye baqonda ngokucacileyo ukuba baqala ukufumana uncedo. Kungekudala baphela kwiimeko apho baya kuphelelwa yimali ngokwabo. Ukuncedisa abantwana kulungile, kodwa kuya kufuneka wenze utshintsho kwibhajethi yakho kwi-akhawunti kule mali eyongezelelweyo.