Amanyathelo okucwangcisa umhlalaphantsi omfutshane okuza kukulungiselela
Ukwandisa iCash Reserves
Ukufaka isicelo seempesheni kunye noKhuselo loLuntu, kunye nokuseka ukuhoxiswa kwii-IRA kunye no-401 (k) izicwangciso, kuthatha ixesha kunye nephepha. Izinto ziyakwazi ukulibaziseka kwaye ungeke ufumane isheke lakho lokuqala lomhlala-phantsi ngexesha, ngoko ufuna ukucwangcisa i-glitch okanye ezimbini endleleni.
Lungiselela ukulibaziseka ngokufumana imali engaphezulu yemali ekhutshwe ngokukhawuleza ekutyalomali-mali olukhuselekileyo ; izinto ezifana nokulondoloza, ukujonga kunye ne-akhawunti yemarike yemali. Isixa esiya kuhamba kuyo yonke indawo ukusuka kwiinyanga ezintathu ukuya kweyesithandathu zokufumana iindleko zokuhlala.
Linganisa imali efunekayo ukuba uthathe umhlalaphantsi
Ukugqiba ukuba unayo imali yokwenza umhlalaphantsi , kufuneka uhlalutye uqikelelo oluchanekileyo lwemali oyichithayo, kunye nenani lemali engenayo oya kuyenza ngenyanga. Nangona kunzima, le nto ibaluleke kakhulu inqanaba lokuthatha umhlalaphantsi ongayithatha.
Qala nge-pad ephuzi uze ubhale i-pay home home pay yakho kunye neendleko zenyanga zenyanga.
Musa ukulibala ngeendleko eziguquguqukayo ezifana nezokuzonwabisa, ukuphucula ikhaya, kunye nokulungiswa kwemoto.
Emva koko ubhale ingeniso yenyanga eya kufumaneka kwiipenshoni, ukhuseleko lwezeNtlalo kunye ne-IRA / 401 (k) ukuhoxiswa. Ingaba le nombolo ikufutshane nomvuzo wakho wokuhlawula ekhaya? Ukuba akunjalo, unokhetho ezine: sebenzisa ngaphantsi komhlala phantsi, gcina ngaphezulu ngoku, sebenze iminyaka embalwa eyongezelelweyo, okanye ufumane umlinganiselo ophezulu wokubuyisela kwi-investment.
Ukuba awukho mkhulu ngokwenza ezi zibalo ngokwakho ukukhangela umcebisi wezemali oqeqeshekileyo ukuze ancede. Ukuhlala phantsi, ngethemba kukuba, into oyenzayo kuphela, ngoko ufuna uncedo lobugcisa lufanelekile.
Hlola iziphumo zerhafu
Ngaba uya kuba sekhokhini ephantsi yentela kwiminyaka embalwa? Emva koko qiniseka ukuba ukwandisa igalelo elithathelwa yerhafu ngoku. Ucinga ngokuhamba? Ukufikelela kuma-$ 500,000 xa utshatile (i-$ 250,000 ukuba ungatshatanga) inzuzo eyinkunzi evela kwintengiso yekhaya yakho inokuba yintlawulo yerhafu (ngokwemiqathango ye-IRS esebenzayo). Ingaba unesitampu senkampani ekufuneka idibaniswe? Isicwangciso semali yerhafu eya kuhlawulwa kunyaka othengisa ngayo isitishi okanye usasaza ukuthengiswa kwixesha elidlulileyo leminyaka.
Abathathe umhlala-phantsi basoloko banciphisa ixabiso lentlawulo abaza kuhlawula ngalo mhla umhlalaphantsi. Isicwangciso esincinane kule ndawo sinokukugcina ingxaki enkulu emva koko.
Ukwahlula imali yakho
Ukubukela iphothifoliyo yakho iya phezulu kwaye iphinda iphinde iphinde ijabulise, kodwa ekugqibeleni, nje kuphela ekugqibeleni uqubise ngemali enkulu, ayinandaba nokuba ufike njani.
Xa usuhlala phantsi, kunjalo, ibali elihlukile. Xa uthabatha ngokukhawuleza kwi-potifoliyo, ukunyanzeliswa kunomphumo omkhulu.
Oku kuyinto thina abacwangcisi bokuthatha umhlala-phantsi ababizela ingozi yokulandelana . Ukunciphisa i-up and down's can incrementally increase the odds that your money will last through your life expectancy.
Sebenzisa ixesha ukucinga ukuba uluphi udidi lwentyalo-mali luya kufumana izinga lokubuyisela olidingayo ngelixa unomgangatho wengozi onengqiqo kuwe. Iziganeko zobungozi / ukubuya kwipotifoliyo yakho ziyakufumana ingeniso engakanani oyifumanayo, kwaye uza kuhlala ixesha elingakanani.
Zi fundise
Nangona kucebise ukuba ufune ukhokelo lobugcisa, inyaniso akukho mntu uya kukhathalela ngemali yakho njengawe. Thatha ixesha lokufunda ngokucwangcisa umhlalaphantsi kunye nokutyalomali.
Uya kufuna ukufunda malunga neendlela zokutshala imali ezichaphazela isigaba sokusabalalisa umhlalaphantsi njengoko kuhluke kakhulu kunesigaba sokuqokelela.
Kwaye ukuphosa iinkolelo ezindala ezinjenge-"annuities" ezingekho kakuhle "okanye" ukubuyiswa kwemali mboleko ". Hambisa ukucwangcisa kwakho ngengqondo evulekileyo kunye nenjongo yokuqinisekisa ukuba ingeniso yakho ikhuselekile. Le ndlela iza kukukhokelela ukwenza ukhetho olufanelekileyo kunokuba ngaba ugxininiso lwakho lufumana izinga eliphezulu lokubuyisela.
Ezinye iziphakamiso: ukuya kwiklasi yokutshala imali kwikholeji yasekuhlaleni, uthathe iklasi yokutshala imali kwi-intanethi , ukufunda iincwadi kunye nokusebenzisa i-intanethi ukufunda. Uchithe inani elibalulekileyo lobomi bakho elifumana le mali; Ngoku lixesha lokufunda indlela eya kuzuza ngayo.