Ukutshatyalaliswa, ukuqhawula umtshato kunye nokungabikho kwemisebenzi yizona zizathu eziphambili ezinxulumene nabantu abaneminyaka engama-55 kunye kunye nokuqala. Kungakhathaliseki isizathu, nantsi into onokuyenza.
Fumana Umsebenzi, Emva koko Fumana Umsebenzi Owuthandayo
I-priority yakho yokuqala iya kufumana umsebenzi. Eyona nto ephambili iya kufumana umsebenzi oyithandayo. Oku kubaluleke ngakumbi kunokuba unokucinga. Ukuqala ngaphezu kokusebenza kusele. Xa ufumana umsebenzi uyayithanda, awunakusebenza ngosuku kwimpilo yakho. Cinga malunga nento oyenzayo xa usibanjwe kuyo ukuze ulahlekelwe ixesha. Fumana umsebenzi osebenzisa ezo zakhono ezifanayo. Ukufumana umsebenzi owuthandayo kuthetha ukuba unokusebenza iminyaka emininzi ngaphandle kokuba uzive uziva.
Hlalani Nokusingatha kwiindleko
Gcina iindleko zakho ezifunekayo phantsi. Kufuneka ugcine ubuninzi njengoko unako ngokukhawuleza. Fumana imoto yezoqoqosho, kwaye ufumane iinketho zokuphila eziphantsi kweendleko. Uza kufumana iingcebiso ezinkulu kwi-Live Happily Less, kuqukwa ezinye iimfihlo ezivela kwiindawo ezikhuselekileyo.
Ukwakha iNgxowa-mali eNgxamisekileyo
Musa ukukhawuleza ukutyalomali. Yakha i-akhawunti yokulondoloza enokungenani ubuncinane iindleko zokuhlala kwiinyanga ezintandathu kuyo. Oku akunjalo.
Ukuseka i-akhawunti yokulondoloza yenye yezona zinto zibaluleke kakhulu xa unokuqala xa uqala. Yeka i-extras, kwaye endaweni yoko funyanwa uvuyo ekubukeni ukuba ibhalansi yekhawunti ikhule.
Sebenzisa umlinganiso wakho womqeshi
Ukuba umqeshi wakho unikezela isicwangciso somhlala-phantsi kunye negalelo elihambelanayo, uyisebenzise. Ngokomzekelo, abanye abaqeshi bakutsho ukuba ngaba ubeka i-3% yomvuzo wakho, baya kufaka i-3% yomvuzo wakho.
Oku kuthetha ukuba ngokukhawuleza uphindwe kabini imali yakho. Qiniseka ukuba negalelo elaneleyo ukufumana umdlalo.
Cinga i ROTH IRA
Uhlobo olulodwa lweakhawunti elinokuphinda kabini njenge-akhawunti yomhlala-phantsi kunye neengxowa-mali ezixakeka kwi- Roth IRA . Unako ukuhlawula yonke iminikelo yakho yasekuqaleni evela eRoth ngaphandle kweerhafu okanye isohlwayo. IiNgxowa ozishiya eRoth zikhulisa irhafu. Ukuba usebenzisa iRoth njengengxowa-mali yongxamiseko, ngaphakathi kwiRoth yakho ibeke iinyanga ezili-ezintandathu zeendleko zokuhlala kwiindawo ezikhethiweyo zokutsalwa kwemali , njengengxowa-mali yemarike yemali.
Musa ukuthabatha ingozi enkulu
Kuyakulinga ukubeka ingozi kwizigqibo zakho zokutyalo-mali ngethemba lokuba i-returns ephezulu iya kubakho ixesha elilahlekileyo. Oku akusiyo. Iphule kwaye ihlale yindlela yokuhamba. Funda indlela yokulinganisa umngcipheko wokutshala imali . Emva koko ukhethe utyalo-mali ngokufanelekileyo. Hlala kude nokubizwa ngokuba nobutyebi ngokukhawuleza ukunikezelwa okanye utyalo-mali obonakala luyingozi.
Thenga iNdlu? Ingayiyo.
Ukuthenga indlu kunokukukhusela kwimali ekhulayo; kwakhona kuza kunye nokugcinwa kweendleko kunye nokugcinwa kweendleko. Ukuba uthengayo, gcina imali yakho yokuthenga imali efikelelekayo, ekushiye imali eyaneleyo ukuze uqhubeke nokugcina, kunye nokugcina iindleko zokugcina. Sebenzisa umgaqo-waranti womgaqo-nkqubo wokukhusela ukulungiswa kwexabiso elibi. Khangela indawo esebenza ngamandla kunye neemfuno zokugcina ezincinci.
Ukuba ukhangele ikhaya lepati okanye i-condo, qaphela imirhumo yombutho onokunyuka, kunye novavanyo kwimimandla ekwabelwana ngayo.
Ungathathi Ubutyebi Bentlalo Ekuqaleni
Ukhuseleko lwezeNtlalo lubonelela ngemali engeniso yokuphila. Ukuba ulinde de ube u-70 ukuqala izibonelelo zakho uza kufumana imali engaphezulu kunokuba uqokelele ngaphambili. Kungenxa yoko ukufumana umsebenzi oyithandayo kubaluleke kakhulu. Xa uqala ukuya kuma-55, kufuneka uceba ukulinda de 70 uqale izibonelelo zakho. Ukuba utshatile, okanye ungatshatanga ubuncinane ubuncinane iminyaka elishumi, unokukwazi ukuqokelela kwiirekhodi zomxhesho zangaphambili. Qinisekisa ukujonga kuzo zonke iinketho zakho ngaphambi kokuba uqale izibonelelo.