Kutheni uhlahlo lwabiwo-mali lube luleke
Kuzo zonke izinto ezininzi ezichaphazela iholo lakho lomhlala-phantsi (ukunyuka kwamaxabiso, izinga lokubuyisela ukugcinwa kunye notyalo-mali, umhla wokuhlala umhlalaphantsi , irhafu, ukuchitha imali, inzuzo yexeshana, uxolo lwezeNtlalo , ipensheni, njl.) Kukho enye lawulo olukhulu.
Yenza yakho imali. Xa uthatha umhlalaphantsi, ukuchitha imali ngokweqile kuyingozi.
Ukufumana isibambiso kwibhajethi yakho yomhlala-phantsi ozayo kubeka kwindawo apho uya kuba nakho ukwenza ukhetho olufanelekileyo malunga nokuphila komhlalaphantsi oyifunayo. Unokufumana ukuba kukho ukurhweba ozimisele ukukwenza oko kunokukunceda wenze izinto ezifana nokuthatha umhlalaphantsi ngaphambili, ukuhamba ngakumbi kumhlalaphantsi, nokuba nemali eninzi yokuzonwabisa kunye nezinto zokuzilibazisa.
Indlela yokudala uhlahlo lwabiwo lweBhajethi
Qala ngokuqokelela ulwazi. Ngezantsi uluhlu lwezinto onokuzifuna.
- Iinyanga zakho zokugqibela ezi-6 ukuya kwezi-12 ezifanelekileyo zeengxelo zebhanki zebhanki
- Iinyanga zakho zokugqibela ezi-6 ukuya kwezi-12 ezifunekayo ngeengxelo zekhadi lesikweletu
- Ezi zimbini zokugqibela zihlawula i-stubs kuwe (kunye neqabane lakho ukuba utshatile)
- 10-12 aphezulu
- Ukubuyela kwerhafu yonyaka odlulileyo
Sebenzisa ulwazi kwizinto ezingentla ukuze ubone apho imali yakho ihamba khona, kwaye usebenzise i-highlighters ukuqokelela iindleko kwiindidi ngokulandela amanyathelo amahlanu apha ngezantsi.
ISINYATHELO 1 - Uluhlu lweeNdleko eziHlomelo
Uhlahlo lwabiwo-mali luqala ngokubhala uluhlu lwakho oluqhubekayo lwenyanga, ngenyanga nganye okanye ngonyaka. Ukwenza uhlahlo lwabiwo-mali oluhle, jonga olu luhlu ukuya kwiindawo ezintathu:
- Izinto ezibalulekileyo: Oku kuquka ukutya, izambatho, izindlu, ukuthutha kunye nokunakekelwa kwempilo.
- Imbopheleleko yenyanga engabalulekanga: Nangona sonke singacinga nge-TV ye-cable njengento ebalulekileyo, akunjalo. Izinto ezingezizo eziyimfuneko zizinto ezifana nekhebula, ubulungu bokuzivocavoca, ukubhalisa kunye nezinye izinto ozifumanayo iibill.
- Iindleko ezifunekayo ngaphandle kwenyanga: Izinto ezinjengentlawulo yepropati, iiprojama ze-inshorensi, ukubhaliswa kweemoto kunye nemigunya yemigangatho yasemakhaya ingavela kanye ngonyaka. Qinisekisa ukuthatha iindleko zexesha kunye nokubala iindleko zazo rhoqo ngenyanga kwaye uzibandakanye kwibhajethi yakho yomhlalaphantsi.
Ukunika ingxelo ngexesha leendleko, yenza ispredishithi yesabelomethi kunye neenyanga zikaJanuwari -Disemba ziya ngqo. Uhla uluhlu lwamacala angamaxabiso nganye. Ukuba ngaba ibhajethi yakho yokusebenza eyenza i-$ 200 ngenyanga, ubeke i-$ 200 ukuya nganye ngenyanga. Ukuba ngaba izipho zeKrisimesi kwaye uchitha i-$ 500 ngonyaka, kodwa u-$ 500 ngenyanga kaNovemba noDisemba. Yenza oku ngento nganye. Yenza umyinge kwinyanga nganye.
ISINYATHELO 2 - I-Akhawunti yeeNkcitho zoNyango lwezeMpilo
Ukuba umqeshi wakho uhlawula iipriyamu, emva kokuthatha umhlalaphantsi kufuneka uthabathe ithebhu. Ukuba uhlala phantsi ngaphambi kokufikelela kwiminyaka eyi-65, ii-premiums zezempilo ziya kuba zibiza. Phakathi kweminyaka engama-60 no-65, ii-premium ze-inshorensi zempilo zingaqhuba i-$ 1,000 ngenyanga ngomntu ngamnye. Kufuneka uthengise izicwangciso ngoku ukuze ungeze uqikelelo lweendleko zenyanga kwibhajethi yakho.
Kuthiwani ngeentaka, ukunakekelwa kwamehlo, nokuva? Yongeza ezo ndleko kwibhajethi yakho! Kumele udibanise ekuqikelelweni kweendleko zonyango kumhlalaphantsi ukuze uhlakulele ukulindela okwenene ukuba uza kuphila phi kunyaka ngamnye.
Ukufumana le nto ingalunganga ngenye yeendlela zokubulala abahlaseli-mali ababhubhisayo abayisixhenxe abangaphazamisa isicwangciso sakho somhlalaphantsi.
ISINYATHELO 3 - Yongeza kwizinto ezikhethiweyo
Le nto yonke into emnandi, njengokuhamba, izinto zokuzilibazisa, ezemidlalo kunye nokuzonwabisa.
ISINYATHELO 4 - Qinisekisa ukuba Ixesha Lakho Liza Kusetyenziswa njani
Emva koko, qwalasela indlela izinto ezithandwayo kunye nendlela yokuphila enokutshintsha ngayo. Oku kungatshintsha indlela ochitha ngayo. Ukuba utshatile, cela umlingane wakho ukuba enze njalo. Cinga ngezinto ofuna ukukwazi ukuchitha imali xa ufuna umhlalaphantsi. Ukuba unezinto ezizolisayo, uzakufuneka uhlalutye ngakumbi kubo. Qala ukucinga ngeenguqu onokukulungele ukwenza oko kuya kubeka imali kwizinto ezingabalulekanga kwizinto ezibaluleke kakhulu. Ngokomzekelo, ukuba ufuna ukuhamba ngaphezulu, ngaba uya kukulungele ukunciphisa nokuhlala kwindlu encinci?
ISINYATHELO 5 - Bala i-Fixed Versus Flex
- Zizonke iindleko zakho.
- Zizonke iindleko zakho ezizinzileyo.
- Hlukanisa iindleko zakho kwiindleko zakho zonke.
Ingeniso yakho yomhlalaphantsi iya kufikelela kwiindleko ezichanekileyo? Ngaba oku kuyahambelana neengcamango zakho kwiNyathelo 4 malunga nendlela ofuna ukuchitha ixesha lakho kumhlalaphantsi? Ukuba unesibophelelo esikhulu seenyanga malunga neentlawulo zezindlu kunye neenqwelo-moya unokuqwalasela ukuguquka kwendlela yokuphila ukukhulula imali yokuhamba okanye izinto zokuzilibazisa.
Njengomgaqo jikelele wesohlwayo, ukuba ufuna ukuzonwabisa xa usuhlala phantsi, fumana iindlela zokunciphisa iindleko ezizinzileyo ukwenzela ukuba unakho imali ekhoyo yokusebenzisa imali enokuyithandayo.