Musa ukufunyanwa ngokumangalisa ngo-Epreli!
Nazi ezinye izikhombisi eziqinisekisa ukuba unelungelo lokuhlawula irhafu yengeniso kunye neerhafu zerhafu.
Beka i-30 Percent ye-Paycheck nganye
Uninzi lwabantu abaqeshwe ngokuziqhelisela sele sele benomkhuba wokubeka eceleni iipesenti ezingama-30 zeerhafu nganye zerhafu.
Kodwa ukuba unomsebenzi wexesha elizeleyo kunye ne-moonlight freelancing, ukubonisana, ukufundisa, ukwenza isivumelwano okanye ukwenza omnye umsebenzi ozimeleyo kwingeniso yecala, unokutshatyalaliswa yerhafu yengeniso oyifumeneyo eyayifumana kunyaka olandelayo. (Ukutshitshiswa kwakho kuya kuphinda kabini ukuba eli bhiliyo likhulu ngokwaneleyo ukuba liquka iintlawulo zerhafu zenyanga zentlawulo ezingakhokhelwa).
Gwema ukutshitshiswa ngokubeka eceleni iipesenti ezingama-30 nganye zokuhlawula umsebenzi ozifumanayo. (Uvavanyo lwe-Litmus: ukuba i-paycheck ayinayo irhafu ekhishwe kuyo ngumqeshi, ngoko kufuneka ubeke eceleni iipesenti ezingama-30). Faka loo nto kwi-akhawunti yebhanki ejoliswe ngokukodwa kwiintlawulo zerhafu.
Uhlahlo lwabiwo mali le mali ukuhlawula irhafu yekota nganye, ukuba iyasebenza. Ngaphandle koko, sebenzisa imali ekuqaleni konyaka ozayo, xa u-oyingcali yakho yerhafu ibala ukuba unjani uMalume Sam.
Kuthekani ukuba awuzukufumana imali engeniso, kodwa usenokubanjelwa kwintlawulo yerhafu nganye ngenyanga ka-Epreli?
Unokudinga ukulungelelanisa ukukhutshwa kwakho.
Qondisa i-Mortgage yakho "Eyona nyaniso" kuquka iRhafu yePropati
Ababolekisi bemithwalo yemveli baqokelela i-1/12 ye-bill yakho yentlawulo yerhafu nganye ngenyanga. Babamba le mali kwi-akhawunti yokukhawuleza kude kube lixesha lokuhlawula urhulumente.
Ngokwenza oku, umnini-mboleko unyanzela ukuba uhlahlo-mali (ukubeka eceleni ixabiso elincinci ngenyanga nganye ukuhlawula ixabiso elininzi linye ixesha).
Umboleki-mboleko uyaqinisekisa ukuba irhafu yekhaya iya kuhlawulelwa, kunye nepropati ayiyi kuhlaselwa ngelapho yerhafu.
Kodwa ukuba unomyinge ongekho wemveli, okanye ukuba unayo ikhaya lakho likhululekile kwaye licacile, awukwazi ukuba nenzuzo yomboleki onokukunyanzelisa ukuba uhlahlo lwabiwo-mali werhafu yepropati yakho. Ngoku uxanduva luya kuwe.
Ukuba ungaphakathi kwesi sikhephe, ingqondo yakho ingqikelela ukuba "imali yokuthenga imali" inokulingana neendleko zokuhlawulwa kwemali-mboleko, 1/12 ukuhlawulwa kwentlawulo yerhafu, kunye ne-1/12 yinshorensi yomninikhaya. Ngamanye amagama, kunokuba uzixelele " imali yam yokuthenga imali i-$ 700 ngenyanga, kwaye ndihlawula imali engama-2400 ngonyaka kwiirhafu zepropati," xelela, "imali yam yokuthenga i-$ 900 ngenyanga."
Ukuba unayo indlu ekhululekileyo kwaye icacile, cinga ukuba usenayo "indlu yokuboleka" yeentlobo. Ukuqikelela ukuba lo "mboleko" ulingana ne-1/12 yentlawulo yepropati kunye ne-1/12 yomshuwalense.
Inqaku eliphambili: Ukwandisa ukusebenza kwendlela ohlahloye ngayo indlu yakho , cwangcisa i-1/12 ye-1 ekhulwini yexabiso lokuthenga inyanga nganye ngenxa yokulungiswa kwekhaya.
Umzekelo: ukuba unayo ikhaya lama-300,000, ubeke eceleni i-$ 3,000 ngonyaka, okanye i-$ 250 ngenyanga, okanye ukulungiswa kwexesha elide kunye nokugcinwa. Ukuba unayo ikhaya le-$ 200,000, wabeka i-$ 2,000 ngonyaka, okanye i-$ 167 ngenyanga.
Awuyi kuchitha le nto kunyaka ngamnye. Kwiminyaka ethile uya kuchitha into engekho nto; Enye iminyaka uya kulahla i-$ 15,000 kwi-ophahleni olutsha.
Yongeza oku kwipropthi yakho yepropati kunye ne-inshurensi xa ucinga ngengqondo yakho "yangempela". Ngokomzekelo, unokucinga ukuba imali yakho yokuboleka imali ibe yintlawulo yemboleko yemali eyi-1100 ngenyanga, i-$ 500 yokuhlawula irhafu yerhafu, i-inshurensi yentlawulo ye-$ 300, kunye nentlawulo ye-$ 300 yokulungiswa / yokugcinwa kwintlawulo yemali yokuthenga imali, eyi-$ 2200 ngenyanga. ) U