Ukwandisa ukuCwangciswa kwakho koMhlala-phantsi ngokusekelwe kwisiGaba sakho sokuZisebenza
Icandelo ngalinye lezengqesho liza kunye nohlu oluhlukileyo "lokwenzayo" xa kuziwa ngokucwangcisa umhlalaphantsi . Ukuze uzenzele umzila, zama ukulandela ezi ngcebiso.
Isigaba se-1: Isigaba sokuqala se-Self-Employment
Isigaba sokuqala sokuqeshwa-msebenzi singasona sikhulu kakhulu, ingakumbi ukuba ushiye umsebenzi oqhelekileyo emsebenzini ukuze uqalise ishishini lakho okanye ube ngumqeshwa oziqhelisayo. Okwangoku, umhlala-phantsi mhlawumbi ngowona nto yokugqibela kwiluhlu lwakho oluphambili, kodwa akukho xesha elingcono lokuqala ukujonga izinto ozikhethayo.
Musa ukukhutshwa ngumda weminikelo. Nangona ungeke ukwazi ukufaka imali ye-cap kwi-akhawunti yomhlala-phantsi, oko akuthethi ukuba kufuneka ulungele ukugcina ngokupheleleyo. Endaweni yoko, gxininisa ukulondoloza oko unokukwazi, xa unako, ngokukodwa kwizigaba zokuqala.
Yenza imali ngokuzenzekelayo ihoxiswe kwi-akhawunti yakho yomhlalaphantsi. Ngaphandle kwamehlo, ngaphandle kwengqondo, kwaye ke akudingeki ukhathazeke ngako.
Khangela umntu 401 (k) . Oku kuyona kuphela ukhetho ukuba unabasebenzi. Le yile ngxelo epheleleyo ukuba lakho iqabane li nethemba lokuba negalelo. Ukuba ukhetha icebo le-Roth, unokuzonwabisa nokurhoxiswa kweerhafu emva kokuba ufikelele kwiminyaka ethile, eyona nto iluncedo xa usuqeshwe.
Cinga ngeempahla. Invest in your own company, kodwa qwalasela namanye amabhishini kwishishini lakho, ingakumbi ukuba umnini-propati wakho unomnyaka onzima. Uzahlukana neepotfoliyo yakho kunye nezinto zakho.
Xoxa nomcebisi wakho wezezimali malunga nokunyuka kwe-savings yangaphambili. Ngokuxhomekeke kwimali yolondolozo oye waqokelela kwiakhawunti yakho yomhlalaphantsi, ukufaka ii-akhawunti zakho kwi-plan entsha yomhlalaphantsi kunokuzixakeka kunokuba ukulindeleke. Thetha kunye nomcebisi wakho wezemali malunga nendlela efanelekileyo yokuthatha, nokuba oko kubandakanya ukutshala imali okanye ukuyifaka nje kwisicwangciso sakho sangoku.
Isigaba sesi-2: Umgangatho-we-Self-Employment
Ukuba usesikhundleni apho usuqeshwe ngokuziqhelisela iminyaka engaphezu kwe-10 okanye eyi-15, unokuba neqanda le-akhawunti yomhlala phantsi. Nangona kunjalo, inani elinoyiko labemi baseMelika abasenayo iakhawunti yomhlala phantsi kweli nqanaba. Ukuba ufumanisa kwesi sikhundla, cinga ngala ma nyathelo:
Qala ucinga ngecebo lokuphuma. Ngaba uceba ukusebenza ngonaphakade? Ngaba unethemba lokuthengisa ishishini lakho okanye uza kudlula ilitye ilungu lentsapho? Ezi zizinto oza kuziqwalasela xa ukhangela iinketho zakho zokuthatha umhlalaphantsi. Uya kufuna ukuqinisekisa ukuba ishishini lakho lisebenza kwaye liphume ngaphandle kwakho.
Uya kufuna ukuseka umhla wokugqibela xa ungathanda ukuthatha umhlalaphantsi ukuze uhlele ngokufanelekileyo. Kule ngongoma, kufuneka uqale ukuhlaziya impembelelo yemali yokuphuma kwakho.
Hlola izinto zakho. Kufuneka uqale uqaphele i-asethi yeenkampani zakho kunye nokuba ingaba njani inxalenye yesicwangciso sakho somhlalaphantsi. Ingaba unayo impahla eninzi yamanzi, okanye yonke into eboshwe kwiingeniso kwi shishini lakho? Ukuphuhlisa isicwangciso somhlala-phantsi kunokubandakanya ukubeka impahla yakho kunye nokufunda indlela abaya kuba yiakhawunti yomhlala phantsi emva kokuyeka ukusebenza.
Cinga ngomhlalaphantsi oyifunayo. Ngaba ufuna ukuhamba? Ngaba ufuna ukusebenzela njengomcebisi kwishishini lakho? Ezi zigqibo zichaphazela indlela oyigcina ngayo umhlalaphantsi. Unokuqwalasela i-freelancing okanye uhlale kunye nenkampani yakho njengomcebisi ngomvuzo wokuthatha umhlalaphantsi .
Ukukhupha imilinganiselo yakho yenkxaso. Ukulondoloza kwakho kubalulekile, ngoko ukuba unokuqala ukukhupha ii-akhawunti zakho zomhlala-phantsi ngoku, kufuneka. Imilinganiselo yakho yokuxhomekeka kuxhomekeke kuhlobo lweakhawunti oyikhethayo, kodwa unokwakheka ekutyala imali ethile oyenayo kakade kwimali yakho yomhlalaphantsi. Ukuba utyalise imali yakho kwi-akhawunti, qaphela nayiphi na isohlwayo serhafu xa ukhetha ukwenza ukurhoxiswa kwangaphambili.
Isigaba sesi-3: Ixesha elide lokuziNgcelela
Ixesha elide lokuqeshwa-yedwa lingaba yinto eyoyikisayo - uvela ngaphi? Ukuba unethemba lokuthengisa ishishini lakho okanye ukuyidlulisela kunye nomhlobo okanye othandekayo, ukhetho lunokuba lukhulu. Abaninzi bacinga ukuba iingeniso ngokuthengisa ibhiziniselwano zabo ziyakwanela ukuzithwala ngomhlalaphantsi, kodwa akusoloko kunjalo. Ngalesi sikhathi, kufuneka ube kwindawo apho unciphise khona ityala lakho kwaye uqale ukubala ukuba ufuna kukuthatha umhlalaphantsi. Ukusuka apho, qwalasela ngamanyathelo alandelayo:
Ukwahlula utyalo-mali. Nangona kubalulekile ukutshala imali kwinkampani yakho, kubaluleke ngokufanayo ukutshintsha utyalo-mali lwakho ukunika iphothifoliyo yakho ngamandla onke. Ezi zixhobo ezinamanzi ziyakwazi ukuguqula umhlala-phantsi womhlala phantsi wena kunye nosapho lwakho.
Zinike ixesha lokuthengisa ishishini lakho. Ukuthengisa ishishini lakho akukwenzeki ubusuku kwaye kunokufuna umsebenzi omningi kwingxenye yakho. Musa ukulinda uze ufinyelele umhlalaphantsi ukuze uqale ukukhangela iinketho zakho kwaye ulungise ibhizinisi lakho kuthengiswa.
Awuyi kufumana isamba semali kwi shishini lakho. Ngokuqhelekileyo, abanikazi bamashishini abancinci bafumana iintlawulo zokuthengisa ishishini labo kungekhona isamba semali. Ukuba ngaba kunjalo, kubaluleke nakakhulu ukuqwalasela iphothifoliyo yakho kunye notyalo-mali ukuze uzigcinele umhlalaphantsi.
Ukukhulisa inani lemali oyilondolozayo kumhlala-phantsi ukuya kuma-20 ekhulwini okanye ngaphezulu kwengeniso yakho. Kule ngxaki, ezininzi iingxaki zemali ezifana nokuhlawula imali okanye ukubeka abantwana bakho kwiikholeji, akusayikukhupha. Zama ukuzalisa ii-akhawunti zomhlalaphantsi njengoko unako. Cinga ngokutshala imali kwiimpahla. Le yimihlaba ehlala ihamba phambili kwixabiso lokunyuka kwamaxabiso kwaye iyakuthwala ngokuthatha umhlalaphantsi, nokuba ngaba usanda kuzuza.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. 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. .