Indlela yoKulungiselela ngezeMali ukulungiselela umhlala-phantsi
Ezi ngcebiso zilandelayo ziyakunceda uqokelele ulwazi oluyimfuneko ukwenza izigqibo ezifike ngexesha kunye nolwazi malunga nomhlalaphantsi wakho.
Iingcebiso ezi-14 zeeMali ezilungiselele ukuthatha umhlalaphantsi
1. Cinga indlela oza kufikelela ngayo iindleko zonyango kwimpilo yomhlalaphantsi. Abanye abasebenzi abanethamsanqa baya kuba nenxalenye okanye zonke iinkcukacha zabo zokunakekelwa kwezempilo ngokusebenzisa umqeshi okanye umanyano. Abanye abayi.
Ukudibanisa nommeli wezeMithombo yoluntu okanye ummeli wemanyano kwintlangano yakho ukuze ufunde malunga nayiphi na inkxaso enikezelwe ngabahlala phantsi kunye neendleko zokufumana loo mali. Fumana iimfuno zokufaneleka kunye nokuba ngaba i-coverage iya kwandisa amalungu omndeni.
2. Ukongezelela ekufundeni malunga nokufumana uncedo lwezempilo olusuka kumqeshi wakho, uqikelelo olukhuselekileyo lwababoneleli malunga neendleko zokufumana iinkonzo ezongezelelweyo zempilo. Iindleko zophando ezichaphazelekayo kunye ne-Medicare, nazo. Awufuni ukufumana nayiphi na imingxuma enokuthi ihlawulwe ngokukhawuleza uhlahlo lwabiwo-mali xa uceba iindleko zakho zomhlalaphantsi.
Ukuphanda iindleko nokuvavanya ukufaneleka kwe-inshorensi yonyango elide .
Xhumana nomcebisi wezezimali onokuthenjelwa ngegalelo malunga ne-inshorensi yonyango. Khetha umcebisi ongayi kufumana ikhomishini yokuthengisa isicwangciso.
Le nkonzo yomshuwalense iyacetyiswa kuba ukuguga ixesha elide okanye ukuguga kungadla kude kubhajethi yakho yomhlala-mali ngokukhawuleza, ngokukodwa xa uhlala kwindawo yokuncedisa .
Kodwa iindleko kunye nokuxhaswa okubonelelwe ngeeplani ezahlukeneyo ziyahlukahluka kakhulu.
4. Hlaziya iinjongo zakho zokusukela kumhlalaphantsi . Funa uncedo lwabacebisi ukuba ufuna uncedo olucacileyo kwiimpawu kunye neemfuno zakho. Ngokuxhomekeke kwindlela oceba ukuyisebenzisa ngayo iminyaka yakho yomhlalaphantsi , indleko yale mi sebenzi inokuphakamisa inani lemali oyifunayo ukuba ulondoloze umhlala-phantsi.
Kwakhona kubalulekile xa ucinga ngokuthatha umhlalaphantsi ukuba unomdla kunye nezinto ezithandwayo ongathanda ukuzenza. Xa uyeka ukusebenza, ufumana amaxesha amaninzi abuyele. Ngokomzekelo, umhlobo onomsebenzi wezentlalo ophumeleleyo kunye nabasebenzi abaninzi banethemba lokuthatha umhlalaphantsi xa uya kuba nexesha elithile lokubhaka isonka, ukuzenza iifoto, ukufunda, ukubukela amavidiyo e-YouTube kunye nokudubula okujoliswe kuyo.
5. Hlola iindleko zakho zokuhlala . Fumana umfanekiso onokwenene wento oyakuyidinga umhlalaphantsi ngokubeka esweni oko uchitheyo namhlanje. I-Factor nayiphi na iyancipha kwiindleko oza kuba nazo njengeendleko zokuhamba, i-wardrobe yakho yomsebenzi kunye nezinye iindleko ezihambelana nomsebenzi.
Ngelo xesha, musa ukuzibiza ngeendleko. Uyakufuna ukucwangcisa iindleko ezongezelelweyo zokuhamba, ukutya ngaphandle, izinto zokuzilibazisa, imisebenzi yezemidlalo kunye neminye imithwalo yomhlalaphantsi kunye nokufunwa kwempilo kunye naluphi na ukhuseleko lwezempilo.
6. Hlaziya ukuba ingeniso engakanani oya kuyidinga ukugcina impilo yakho yangoku . Qinisekisa ukuba ufaka ixabiso lokunyuka kwamaxabiso kwi-akhawunti kwenyuka kwindleko malunga nexesha.
Iingcali zezezimali zicetyisa ukuba ucwangcise ukuchitha ubuncinane i-85 ekhulwini yengeniso yakho yangoku xa ubeka ithagethi yakho yokugcina. I-calculators yomhlalaphantsi e-intanethi inokukunceda ukuba ulungelelanise ezi zibalo kwiimeko zakho.
Kodwa ke, khumbula, ukuba imali oyisebenzisayo xa uhlala umhlala phantsi inokwandisa ukuba ixesha lakho namandla lijolise ekusebenzeni. Ukuhamba, ukudlala igalofu kane ngeveki, ukuthenga ikhaya lesibini, okanye ikhaya elisezantsi lingabongeza ngokubanzi imfuno zakho zebhajethi.
Kubalulekile ekucwangciseni nasekuhlahloleni uhlahlo lwabiwo lomhlalaphantsi ukuze ukwazi wena, iimfuno zakho kunye nendlela oceba ukuchitha ixesha lakho.
7. Cinga ukuba okanye ungafuni ukusebenza kumhlalaphantsi. Hlangana nomcebisi wezemisebenzi ukuvavanya okukhethwa kukho kwaye ufumane uncedo ngokuqikelela ukufumana ingeniso echaphazelekayo ukuba uceba ukwenza umsebenzi. Uphando lubonisa ukuba umsebenzi wexeshana okanye ukuqhubela phambili umsebenzi wesibini ngokuhambelanayo neminqweno yokuthatha umhlalaphansi kunokunyusa ukwaneliseka kumhlalaphantsi.
Eminye imisebenzi yenguqu elula ngaphezu kwabanye ekuphumeni komhlalaphantsi. Ababhali be-Freelance, umzekelo, abanakuyeka ukubhala, bathathe nje umsebenzi omncinci. Abasebenzi bezempilo bayasebenza ngosuku olulodwa ngeveki.
8. Kwabo baneminyaka emininzi ukusuka kumhlalaphantsi, qiniseka ukuba uqale ukufaka isandla kwizicwangciso zomhlala-phantsi ngokukhawuleza ukuvumela amandla okuqulunqa. Ekuqaleni uqala ukunikela ingcono.
Hlola nomqeshi wakho, kwakhona, njengabaqeshi abaninzi baxhathisa ngokukodwa imali abaqeshwa abasindisa ngayo umhlalaphantsi. Uyakufuna ukusebenzisa umdlalo iminyaka emininzi ngangokunokwenzeka.
9. Bekela eceleni imali eninzi kangangoko kunokwenzeka ngosuku lomhla wokuhlawula ukudala iqela elikhulu lokuthatha umhlalaphansi. Kuyi-adage ubudala ubudala, kodwa ukuhlawula okokuqala kukucwangcisa umhlala-phantsi.
10. Ukucacisa nayiphi na imibuzo malunga neentlawulo zexesha elingasetyenziswanga okanye ezinye izibonelelo zokuthatha umhlala-phantsi , ngakumbi xa uqala ukucinga ngokuthatha umhlalaphantsi, udibane nabasebenzi bakho boLuntu. Enye imibutho ikhuthaza abafundi ukuba abantu bathathe umhlalaphantsi kwangoko.
Uya kufuna ukusebenzisa nantoni na into umqeshi wakho anike yona xa kukunika ingqondo ngemali. Hlala uqhagamshelana noko umrhumo wakho umqeshi njengamathuba okuthatha umhlalaphantsi kwangaphambili unesithuba esithile esingaphantsi kokuba siphelelwe yisikhathi.
11. Hlangana nabameli bempesheni yakho, 401 (k) okanye 403 (b) ababoneleli ngeenkcukacha malunga nokukhethwa kokusasazwa kunye nokuqikelelwa kwemijelo efunyenweyo yokufumana imali.
12. Ngaphandle kokuba unolwazi oluninzi malunga notyalo-mali, dibana nomcebisi wezemali ukuba uhlolisise umxube weefa ezifanele ubudala bakho, umhla wokuhlala umhlalaphantsi kunye nokunyamezela. Abacebisi abahlawula imali efanelekileyo yokubonisana nabo bahlala benenjongo kunokuba abacebisi bahlawulwe ngamakomishane ngokusekelwe kukhetho lwakho lokutshala imali. Abameli abavela kwiifom zentengiso ebanzi ezilawula iinkampani zakho 401 (k) okanye 403 (b) izicwangciso zinokunikela iingcebiso ezibalulekileyo malunga nokwabiwa kweefa.
13. Ukuba unesabelo esibalulekileyo kwipotfoliyo yakho kwisitokisi senkampani yakho, qwa lasela ukutshintsha ngokukhethekileyo njengoko usondela kumhlalaphantsi. Awuyi kufuna isabelo esikhulu somhlala-mali wakho wokugcina umhlala-phantsi esibophelelwe kwisityalo-mali esisodwa.
14. Linganisa ingeniso yeNhlalakahle yeNhlalakahle kwaye uphonononge iindlela zokufumana ixesha lokuqalisa iintlawulo. Qhagamshelana ne-SSA calculator ukuba uqikelele iintlawulo ozakufumana kwi-Social Security.
Unokuthatha umhlalaphantsi ngemali oyifunayo ukuhlawula ubomi obude kwaye obonwabileyo. Ukuqala ngokukhawuleza kunokwenzeka ukhiye. Ezi zilishumi elinamabini amanyathelo enqwenela ukuba unqumle ukwenza ngalolo hambo ukuya kumhlala phantsi wakho.