Yenza Le 10 Imali Ihambisa Inxalenye Yakho Yonke
Kukho amaninzi amanqaku malunga nempazamo yemali, kodwa makhe sithathe isikhashana ukugxininisa imikhwa emihle enethemba lokuba usele wayilungule okanye ekusebenzeni.
Oku kuluhlu lwemigangatho yezemali enokumnceda ekuncedeni endleleni yakho ekunobutyebi kunye nokukhuseleko lwezezimali.
1. Ukwenza Iminikelo Yomhlalaphansi ngokuzenzekelayo
Ngokufanelekileyo, ukuhlawulelwa kwakho kufuneka kulungiswe ngendlela enokuba unika ngokuzenzekelayo imali kwi- 401 yakho (k) , 403 (b), okanye enye i-akhawunti yomhlalaphantsi.
Le mali kufuneka ikhutshwe kwi-paycheck yakho ngaphambi kokuba ihlasele i-akhawunti yakho yebhanki ukuze ungaluchukumisi. Kufuneka kwakhona kwenzeke kwangoko nyanga zonke.
Amanqaku ebhonasi eyongezelelweyo xa ukwandisa inani leminikelo yakho yomhlala-phantsi ngamnye unyaka. Ukuba usebenza ngokuzimeleyo, qalisa ukutshintsha kweenyanga ngokuzenzekelayo ukusuka kwi-akhawunti yakho yokukhangela kwi-akhawunti yomhlalaphantsi. Oku kuya kukuvumela ukuba uzenzele igalelo lakho lomhlalaphantsi.
2. Ukuthatha inzuzo ye-Flexible Your spending okanye i-Akhawunti yokuGcina impilo
Oku akunakukunikezela ngentlawulo yerhafu kuphela, kodwa iyakwenza njengengxowa-mali engxamisekileyo enokuyisebenzisa kwiindleko ezinxulumene nempilo.
Ukuba unayo i-FSA, qiniseka ukuba uchithe ibhalansi ekupheleni konyaka wekhalenda. Imali kwi-FSA yakho "uyisebenzise okanye uyilahle."
Ukuba unayo i-HSA, ngokuchaseneyo, unokuqhubeka nokuqokelela imali kule akhawunti njengoko ungathanda (ukufikelela kwimida).
Enyanisweni, ndenza umkhuba wokuhlawula ngaphandle kweeholide kwindleko zam zonyango ukuze imali ngaphakathi kwe-HSA ingakwazi ukuqhubeka nokukhula kwerhafu. Emva kokuba ndifike kumhlalaphantsi, ndingayisebenzisa le ngeniso ngaphandle kwesigwebo.
3. Ukunyamekela iMali yokuThengisa iMali
Ukuba unomgangatho ophantsi wezinga lomdla kwaye unethuba lokuhlaziya , ndiyakukukhuthaza ukuba uqwalasele.
Qalisa amanani ukuqinisekisa ukuba ukuhlaziywa kunengqiqo kunikwe iindleko zokuvala, kodwa xa kunjalo, ungasindisa amashumi amawaka ngenxa yobomi obusalayo bakho mboleko.
4. Hlela iintlawulo zeBill Automatic
Ngokwenza oku, awuyi kuphinda ulahleke ngenye intlawulo kwaye uhlaselwe ngemali yokugqibela kunye nentlawulo yenzalo.
5. Utyalo lweeNgxowa-mali eziphantsi
Nika imali yenkcazo uzame kwaye uqaphele kuzo zonke iintlawulo zemali kwi-akhawunti yakho ukuqinisekisa ukuba imali ihlala ephaketheni lakho.
6. Hlola iziTatimende zeNkcazo zeNkcazo zeeNkohlakalo
Ukongezelela, jonga i-credit yakho ubuncinane ubuncinane ukuya kweyesihlandlo kabini ngonyaka kwaye ujonge nayiphina impazamo okanye umsebenzi okhohlakeleyo. Ukuba ubona into ekhangelekisayo, landela kuyo.
7. Thatha Ukunyamekela Imoto Yakho Nekhaya
Ewe, uya kuhlawula ngaphezulu kweendleko zokugcinwa , kodwa oku kuya kunciphisa umngcipheko wokuba uzakujongana neendleko ezininzi ezantsi kweendlela.
I-ounce yokuthintela ixabiso leyilithi yokunyanga, njengoko bethetha.
8. Hlaziya ii-Premium zakho zeNtshurensi kwiNgcaciso Kanye ngonyaka
Khangela imoto yakho, imoto, ikhaya, impilo, kunye ne-inshorensi yempilo . Khangela ukuba ungasindisa imali ngokutshintshana kwisicwangciso esinikeza iiprayimari eziphantsi kunye nexabiso eliphezulu. Qinisekisa ukuba unako ukugcina okwaneleyo ukujongana nale mngcipheko.
9. Gcina iNgxowa-mali eNgxamisekileyo
Qiniseka ukuba oku kubonisa ubuncinane iinyanga ezintathu ukuya kweyesithandathu zeendleko zakho zokuphila . Musa ukuchaphazela le ngxowa-mali nasiphi na isizathu esifutshane nxamnye nesiphumo esinxamnye nesiphumo esinxamisekileyo, esimele senzeke ngokungafanekiyo okanye asizange senzeke.
Njalo qwalasela iindleko zeMathuba
Ngokomzekelo, ukuba ucinga ngokuhlawula imali ekhaya, yintoni indleko yokufumana ukuvalelwa kwemali kwipropati?
Ngaba unokukwazi ukufaka imali leyo esikhundleni? Oku akuthethi ukuba akufanele uthenge indlu.
Ngamanye amazwi, oku akusiyo isilumkiso ekuthengeni indlu. Oku kuthetha nje ukuba ufanele ulinganise iindleko zithuba, udibanise amanani, wenze izibalo.
Mbonise into eyenza ingqiqo kwimiba ethile esekelwe kwindleko yendlu, ixabiso lentengo erentekayo, inani lexesha oza kuhlala kulo, kunye nezinye izinto.