Aba ngaba bathathu ababalaseleyo ababalawuli ababalaseleyo abonisa ukuba kufuneka ugcine ungakanani ukuze ube ngumgidi-mali. Elinye iakhawunti yeerhafu kunye / okanye ukunyuka kwamaxabiso kunye nabanye abenzi. Ngandlela-thile, banokukunceda ukukubonisa oko kuthatha ukufikelela kwiinjongo zakho zemali.
01 Xa Ndiza kuba Millionaire - ngu-CNNMoney
Le calculator ye-calculator ikuvumela ukuba ufake ixabiso lakho langoku lokulondoloza njengendawo yakho yokuqala. Kulungile ukuba iqalo lakho lokuqala li-$ 0, nangona kunjalo, kuya kufuneka ukwazi ukucinga ukuba oko kukukholelwayo kuyinto engokoqobo ukubandakanya njengemali yenyanga.
Umrhumo wenyanga wenyanga unomsebenzi wokuguqula umbane ukuze uhlalutye manani naphi na kwi-25 ukuya kwi-10 000 ngenyanga. Insimu yokubuya emyingeni ibuye ifakwe kwi-slider toggle. Gcinani engqondweni, uluhlu luvela ku-1% ukuya kwi-10% - ukukhetha i-10% kunokukwenza izinto zibukeke zibhetele, kodwa kungenako ukuqonda. Ukubuyela kwakho okwenyani kuyahlukahluka unyaka nonyaka ngokubhekiselele kuhlobo lotyalo-mali okanye i-akhawunti yokulondoloza oyisebenzisayo.
Ndibaleka umzekelo njengomzekelo. Masithi, kukho i $ 25,000 ekhoyo ngoku kwaye ndikulindele ukungongeza i-$ 1,000 ngenyanga kwaye silindele ukubuyela kwe-7% ngonyaka. I-calculator indixelela ukuba kuya kuthatha iminyaka engama-25 kunye neenyanga ezili-9 ukuba ndiqokelele i-$ 1M.
Ukuba ndiqala nge $ 250,000, kunokuba i-$ 25,000, umphumo ube yi-miliyari yexabiso leyadola ngeminyaka eyi-14 kuphela neenyanga ezili-9.
02 Kangakanani Unde Ude Ungumgidi-nge-Bankrate
Ukusebenzisa le calculator, kuya kufuneka ukhiye kwinani lakho lokuqala lokuqala, ukulindela kwenyanga nganye, ukubuya kweminyaka ngonyaka, ukunyuka kwamaxabiso eminyaka, kunye nemali yokugqibela efunwayo. Ukuba awuqinisekanga ukuba yimaphi amanani angayisebenzisa, ndinamaphepha amaninzi angachaza imilinganiselo yokubuya , okanye uthetha nomcebisi wakho wezemali.
Kwinqanaba leengxelo, liza kukuxelela ukuba lithatha iminyaka emininzi ukufikelela ekujoliswe kuyo. Kuya kukunika isilumkiso sokuba nangona injongo yakho ingaba yidola elilodwa leedola, "ixabiso leedola zanamhlanje" liza kuba likhulu kakhulu ngenxa yokunyuka kwamaxabiso.
03 Imali kunye neThuluzi lokuKhathalela - nge-AARP
Amanyathelo amathathu aquka ukufunda ngawe, umvuzo wakho wokuhlala umhlalaphantsi, kwaye ujonge iinketho zakho. Olu vavanyo lunzulu ngakumbi kwaye luya kubonelela ngamehlo afanelekileyo apho uya khona ngaphandle kokwenza utshintsho. Khumbula, ukuba awukwaneliswa yiphumo, usenokuba nexesha lokugcina ngaphezulu, uchithe ngaphantsi, okanye usebenze ixesha elide.
Ukuba ufumanisa ukuba uphumelele, uyavuyisana!