Ukuphucula indlela yakho yokuPhepha kweMali namhlanje kuya kubakhokelela ekuphumeleleni komhlalaphantsi
Nazi ezinye izicwangciso zokufikelela ezi njongo zokuthatha umhlala-phantsi zivakalelwa kakhulu.
Icebiso 1: Gxininisa kwizinto onokuzenza kwaye wenze isigqibo sokwenza isenzo namhlanje
Amanqanaba okubamba umhlalaphansi aphantsi kakhulu ngoku ngokuphathelele iingxelo zophando ezibonisa ukuba ngaphantsi kwe-20% yabasebenzi abakwizikhundla zabasebenzi basendleleni yokuhlangabezana neenjongo zabo zomhlalaphantsi.
Yintoni ephathelele kwingxelo evela kwi-Financial Finesse kukuba i-61% yabasebenzi abazi ukuba bayasindisa ngokwaneleyo ukuba bathathe umhlalaphantsi ngokukhululekile. Laba baqeshwa bawela kwisigaba "esingaziwa" ngenxa yokungabi nako kocwangciso. Njengoko ibinzana eliqhelekileyo lithetha, "Abo abangaphumeleli ukucwangcisa, cwangcisa ukungaphumeleli."
Ukuba uvakalelwa ngokungaqhelekanga kokuthenjwa komhlala phantsi okanye uwele kwisigaba "se-unknowns" ngenxa yokuba ungakhange udale isicwangciso esisisiseko, unokulawula ukucwangcisa umhlala wakho ngokulandela lamanyathelo ukwenzela ukwandisa umqondo wakho wokulungela:
Yakha isicwangciso uze uyibeke ebhaliweyo. Qinisekisa into oyakuyidinga ukuba uthathe umhlalaphantsi. Nangona umhlala-phantsi ngumgomo wexesha elide uqikelelo lwe-ballpark luya kwenza. Unokulinganisela oko uza kuba khona ngokujonga i-investments yakho yangoku kunye nemithombo yokufumana umhlalaphantsi. Emva koko, ukubala okufunekayo ukugcina ngonyaka ukuhlangabezana nomgomo wakho wokuthatha umhlalaphantsi. Isicwangciso sakho semali esibhaliweyo akufuneki sibe nzima kakhulu kwaye sinokulula njengoko isicwangciso sephepha elilodwa.
Phunyezwa isicwangciso sakho. Le nto ibaluleke kakhulu kwisinyathelo sokuqala kuba ukulungiswa kwezinto kuya kusebenza nje njengendlela yokubeka umqobo kwindlela yakho yokuzimela. Ukuba ufumanisa ukuba awukwazi ukufikelela kwiinjongo zakho zomhlalaphantsi kunye nemali ekhoyo osindisayo, thabatha isenzo esongezelelweyo namhlanje ngokuchonga iindlela zokugcina ngaphezulu, ukunciphisa iimfuno zakho zeendleko, ukucima ityala okanye ukuguqula izicwangciso zakho zokuqala.
Akukaze kufike ixesha elide ukubuyela kumkhondo ochanekileyo.
Ukulandelela inkqubela yakho. Ukuqalisa ukubala komhlala phantsi ubuncinane kanye ngonyaka kuyacetyiswa ukuba ubone ukuba uhamba ngendlela yokuhlangabezana neenjongo zakho. Gcina ukhumbule ukuba isicwangciso sakho sinobuchule, hayi ku-static. Hlola inkqubela yakho ubuncinane kanye ngonyaka. Khawucinge nangempembelelo yeziganeko zobomi ezifana nomtshato okanye umtshato, ukuphakanyiswa okanye ukuchithwa, ukuzalwa komntwana kunye nenkxaso-mali yemfundo iya kuba nesicwangciso sakho. Ukuba kuyimfuneko, yenza utshintsho kwisicwangciso sakho njengoko imeko yakho ishintsha kwaye ugcine imigca yokunxibelelana nomlingane wakho, iqabane, abahlobo, usapho, umcwangcisi wezemali, okanye nabani na oya kuphulaphula izicwangciso zakho zomhlalaphantsi!
Icebiso 2: Zikhusele kunye nabathandekayo bakho
Akuqhelekanga ukubeka yonke ingqwalasela kunye nokuqwalaselwa ekugcineni umhlalaphantsi kunokuba sigxile ekukhuseleni ingozi . Gwema loo mpazamo ngokucinga ngemingcipheko yemali ongayimelana nayo kwaye unokunciphisa impembelelo okanye ukuphelisa ngokupheleleyo.
Bakho ubomi. Qinisekisa ukuba unobungozi obufanelekileyo bomshuwalense wobomi kunye nenhlobo efanelekileyo ye-inshurensi kwiimfuno zakho. Kukulungele ukuphonononga iimfuno zakho zokukhawulela usebenzisa indlela engabonakaliyo ngaphambi kokuba ucinge ngohlobo lwemigaqo-nkqubo yokuzalisa nayiphi na ikhefu.
Unokukhetha ngokubanzi ukususela kwixesha elide , ubomi bonke, ubomi bendalo yonke, kunye nobomi bomshuwalense wobomi. Phonononga imigaqo yakho ubuncinane kanye ngonyaka. Kwakhona kubalulekile ukuqaphela ukuba imeko yakho iyatshintsha okanye kwenzeka isiganeko esichengileyo senzeka, ukufundwa kwakho kungadinga ukutshintsha kwakhona. Njengoko usuku lwakho lomhlalaphantsi olucwangcisiweyo luya kuqinisekiswa ukuba luya kuphinda luhlolwe iimfuno ze-inshorensi zempilo yakho (jonga Ngaba usasafuna i-inshorensi yobomi xa ususa umhlalaphantsi?).
Yakho impilo. Isiganeko sokukhubazeka kwexesha elide okanye ukuhlala ixesha elide kwikhaya lokunyamekela lingabangela impembelelo enkulu kwaye ihlala ihlala kwintsimi yakho. Ukubhengezwa ngokufanelekileyo kunokunciphisa ingozi yemali enxulumene nale miqobo kwaye kufuneka ibe yinxalenye yesicwangciso sakho sokuhlaziya umhlalaphantsi. Ukuba unenkxalabo malunga nekhetho lomshuwalense wezempilo njengoko usondela ngakumbi kumhlalaphantsi, qiniseka ukuba uquka izindleko zempilo kwisicwangciso sakho sohlahlo lwabiwo-mali.
Iimpahla zakho. Ukususela kwimbono yokutshala imali, iipotifoliyo ezahlukahlukeneyo kunceda ukunciphisa umngcipheko weqanda lakho lokuhlala umhlalaphantsi ukuya ngasezantsi kwaye uthathe amaphupha akho omhlala phantsi kunye nawo. Ukukhetha ulwabiwo-mali oluchanekileyo olusekelwe kwiinjongo zakho zemali, iminyaka yobudala, ukunyamezela, kunye nexesha lokungena kwexesha kungenza umehluko omkhulu. Kodwa nawe ufuna ukucinga ngezinye iimpahla ezinjengekhaya lakho okanye ezinye izakhiwo zezindlu. Mhlawumbi i-asethi ebaluleke kakhulu kukukwazi ukufumana imali engenayo ngoku nakwixesha elizayo. Unokwazi ukusebenzisa umxhwele kunye nezakhono ukuvelisa imali engenayo ngokwentlalo-msebenzi okanye umhlala-phantsi.
Icebiso 3: Khangela zonke iinketho zakho zokugcina umhlalaphantsi
Kukho iintlobo ezahlukeneyo ezinokukunceda ukugcina umhlalaphantsi wamaphupha akho. Nazi ezinye iingxelo ezintathu zokuqwalasela.
Izicwangciso zomhlalaphantsi ezixhaswe ngumqeshi (401k, 403b, njl). Iingcali ezininzi zezezimali zibonisa ukuba isicwangciso sakho somhlala-phantsi seqela lingaba enye yezona zityalo-mali. Ngoba?
- Iintlawulo zenziwa ngaphambi kwentlawulo ukwenzela ukuba zinciphise ngqo ingeniso yakho engenayo. Kwaye banokukhuphula intela-yerhafu, ngoko awuyi kuhlawula irhafu kwiintlawulo uze uhoxise imali.
- Akunakunobulumko ukushiya imali ngaphandle kwemali ehambelanayo! Ininzi yeenkampani zinikeza iinkqubo ezifanayo ezinokuphucula ukubuya kwimali yakho. Ukuze uzuze kumdlalo womqeshi, qiniseka ukuba ugalela ubuncinci ukuya kumdlalo wenkampani ukuba awukho ngaphezulu. Umyinge wesilinganiso somqeshi womqeshi ujikeleze iipesenti ezi-3. Hlola nawe isebe le-HR ukuze uthole iinkcukacha ezingaphezulu.
- Izicwangciso ezixhaswe ngumqeshi ziba nenjongo ephathekayo ezinokuthi zingadluliselwa ngaphandle kwemiphumo yerhafu kwi-IRA okanye kwisicwangciso somhlala-phantsi somqeshi.
Hlola iIRAs. Nangona ukuba uthatha inxaxheba kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi, ungazivumi ukuba yindlela yakho yokutshala imali kuphela xa kufikelelwe ekulondolozeni umhlalaphantsi. IRAs enye enye indlela efanelekileyo yokuncedisa imali kude nekamva. Eminye imingcele yokufumana imali kunye nezinye izithintelo zisebenza ukuze kutyunjwe igalelo okanye ukufaka isandla kwiRoth IRA. Ngoko qiniseka ukuba ukhetha i-IRA engcono kwiimeko zakho kwaye ukhumbule ukuba unako ukufaka isandla kuzo zombini ukuba awuqinisekanga.
Cinga ngeeHSA. Iingxelo zokulondolozwa kwempilo zinika iindleko zerhafu ezintle kwiindleko zonyango lwezempilo. Ziye zaqwalaselwa ngabaninzi bezicwangciso zezemali ukuba zifumane umthombo wenkxaso-mali yomhlalaphantsi.
Icebiso 4: Gxininisa kwi-intlalo yakho yonke
Ukuphathwa kwemali yithuba elisetyenziswe ukuchaza isimo sempilo yethu yonke yemali kwaye idibene ngqo nokulungiswa komhlalaphantsi. Hlola kwakhona indlela olawulayo ngayo imali yakho kwaye uthathe indlela epheleleyo yokuphucula impilo yakho yonke yemali. Nazi ezinye iindlela ezilula zokuphucula umgangatho wakho wokuphila kakuhle kwaye ufumane imali eyongezelelweyo yokubeka umhlalaphantsi wakho.
Ukwandisa ulwazi lwakho. Ingakumbi ixesha othabathayo ukuze ufunde malunga neendlela zokugcina umhlalaphantsi olungele ukulungelelwa.
Ukwandisa ingeniso yakho. Ukuba unenkxalabo yokuba ungenayo imali eyaneleyo yokubeka imali, cinga ukwandisa ingeniso yakho ngokusebenza ixesha elingaphezu kwexesha, ukufumana umsebenzi wesikhewu, ukuqala ishishini, okanye ukuthenga indawo yokuqeshisa. Sebenzisa imali eyongezelelweyo yokunciphisa ityala ukwenzela ukuba uninzi lokubeka imali okanye utyalomali kwixesha elizayo.
Fumana iindlela zokunciphisa imali yakho. Uhlahlo lwabiwo-mali okanye "isicwangciso sokusetyenziswa komntu siqu" linyathelo elibalulekileyo ekuphumeleleni umhlalaphantsi. Ukuphila ngaphantsi kweendlela zakho kukuvumela ukuba ukwandise imali omele uyisindise namhlanje ukwenzela ukuba ungayifaka kwisithuthi somhlala-phantsi kwixesha elizayo. Hamba ngaphaya kokulandelela nje apho imali yakho ihambe ngaphambili kwaye uxele imali yakho apho ungaya khona ngaphambi kokuba inyanga iqalise. Bonisa indlela ochitha ngayo inyanga kwiindleko ezizinikeleyo, ezifana nezindlu, izibonelelo kunye nokutya, ngokubhekiselele kwiindleko zakho zokuphila, ezinjengokuzonwabisa nokutya. Ngaba ezi zinto "zifuna" okanye "zidinga"? Khangela apho ungakunciphisa kwaye uthathe loo mali uze uyibeke ekugcineni imali okanye utyalo-mali.
Ukuhlaziya kunye nokudibanisa amatyala. Ukuba unetyala eliphezulu lichitha ixesha elithile uphando ngababoleki abakulungele ukuhlaziya ityala lakho langoku ngentlawulo ephantsi kunokuba uhlawula ngoku. Ngokuqhelekileyo, ityala lesigxina, njengemali-mboleko yemoto, iya kuba nezinga elingaphantsi kwetyala elingaqinisekanga. Inkokhelo esekelwe kwisakhiwo ngokuqhelekileyo ihlawulwe irhafu kwaye ingaxhaswa ngemali kwixesha elide kunezinye iindidi zeetyala, ezinokuyenza ibe yinto ephantsi kakhulu yamatyala.
Ukuphelisa imali eyongezelelweyo kunye neerhafu. Ingaba bakho ubudlelwane bebhanki kunye neentengo zemali-mboleko zihlawula imali eninzi? Zithengela iiplani ezingcono ngokusebenzisa i-Bankrate okanye ii-Akhawunti zeDispositi ukuthelekisa iirhafu nokuvavanya iinkonzo phakathi kweebhanki, imibutho yamatyala, amakhadi enkoleko kunye namaziko okuboleka. Sebenzisa imali eyongeziweyo evela kwiimirhumo kunye neentlawulo zokuhlawula ityala okanye utyalomali.
Khangela iindlela zokunciphisa irhafu yakho. Nika inkxaso kwi-akhawunti yokuchithwa kwemali (FSAs), ukuba inikelwa yinkampani yakho, ukuhlawula iindleko zonyango kunye nexhomekeke kwiinkonzo zonyango kwi-pre-tax basis. Ukukhupha i-HSA yakho xa usesikweni esiphezulu sezempilo. Linganisa inani leemali zokubamba izibambiso kufuneka ufune ibango lakho kwi-W-4 kunye ne-calculator yokubamba.
Ukuphucula ukuphucula imali yakho akukwenzeki ngobusuku. Kodwa ukuba uthabatha ambalwa amanyathelo rhoqo uya kuba kwindlela yokuthatha umhlalaphantsi.