Xa uneminyaka engamashumi amabini, uyakha isiseko esiqinileyo kwikamva lakho lemali . Ukhetho olwenzayo ngoku luya kukuphazamisa njengoko uhamba ukuya kwiminyaka yakho yesithathu nangaphezulu. Unokuthatha amanyathelo ngoku ukuzakhela ikamva eliqinileyo wena kunye nosapho lwakho (xa unquma ukwenza enye). Ezi nyathelo ziza kunceda ukuseka imikhuba eya kukunceda ukuphatha kakuhle iimali zakho kwiminyaka ezayo. Uku landela le nyathelo kwenza ukuba ukwazi ukunandipha iminyaka yakho engama-20 ngelixa ulungiselela ikusasa lakho.
01 Yeka Ukusebenzisa Amakhadi Eetyala
02 Qala Ukugcina Umhlalaphansi
Kufuneka uqale ukugcina umhlala-phantsi ngoku. Ngokukhawuleza uqala, ngokukhawuleza uza kukwazi ukuthatha umhlalaphantsi. Ukongezelela, imali yakho iya kukhula, oko kuthetha ukuba awuyi kudingeka ukuba negalelo lepesenti enkulu njengoko ukhula kwaye uzama ukubamba imali yakho yokugcina umhlalaphantsi. Unokuqala ngeRoth IRA , nangona awufanelekanga kwi- 401 yakho (k) ngendlela efanelekileyo okanye ukuba uyasebenza.
03 Yenza Isicwangciso seMali esiQiliweyo
Awusoze uhambe uhambo ngaphandle kokuya kwindawo engqondweni. Kubalulekile ukuba ube nesicwangciso sezimali esiqinileyo ukuze wazi apho uya kuphelela ngemali kwaye kukukuncede ukuba ufumanise amanyathelo okufuneka uyithathe ukuze ufike khona. Isicwangciso sakho semali kufuneka sibandakanye yonke into ekuthengeni ikhaya ukuya kumhlalaphantsi. Njengoko utshata kwaye unabantwana, kuya kufuneka ulungelelanise icebo. Musa ukuyeka ukudala isicwangciso semali nje kuba ungatshatanga. Kusadingeka ukuba ube neenjongo ezithile zokulondoloza kunye nomhlalaphantsi osebenza kuyo.
04 Londoloza Intlawulo ephantsi kwiNdlu
Ngokukhawuleza ukuba uhlawule ityala lakho lekhadi lesikweletu, kufuneka uqale ukubeka imali ngaphandle ukuze usebenzise njengentlawulo ephantsi ekhaya . Akufuneki ukuba nemali eninzi ngelixa uhlawula imali yakho yomboleko, kodwa emva kokuba wenze njalo, kufuneka uzame ukulondoloza okwaneleyo ukuthenga ikhaya lakho lokuqala kwiminyaka emashumi amabini aneshumi ekupheleni okanye kwiminyaka yesithathu. Ukuhlawula kweentlawulo kwenza kube lula ukufumana umyinge onomdla kwi-mortgage yakho. Ukulondolozwa kwangoku kuya kunceda ukuba ulungele xa kufika ixesha lokuthenga ikhaya.
05 Misela iNgxowa-mali yeNgxamiseko
I- fund yakho yengxamiseko iya kukunika uxolo kwengqondo. Inokukunceda ukuba uhlangabezane nezinto ezingalindelekanga ukuba uphonsela imoto yakho emotweni yakho ukuhlahlela ekhaya ukulahlekelwa ngumsebenzi. Ingxowa yakho enkulu yongxamiseko, ukhuselekileyo unokuziva. Ngelixa usaphuma kwi-matyala, unokubeka eceleni ubuncinane i-$ 1,000 njengengxowa-mali yongxamiseko, kodwa unokuba ufuna ukuba leyo yenyanga ingeniso. Emva kokuphuma kwetyala, zama ukubeka eceleni iindleko zonyaka. Unokubeka i-fund yakho yengxakeko kwi-akhawunti yokugcina imali yemarike enika ixabiso lentlawulo ephezulu.
Uhlahlo lwabiwo-06 Nenyanga nganye
Inyathelo ebalulekileyo ongayithatha kwiminyaka engamashumi amabini kukuqala uhlahlo lwabiwo-mali . Uya kufuneka uhlahlobe isabelo-mali nganye nyanga ubomi bakho bonke. Ngokukhawuleza uqala uhlahlo lwabiwo-mali ulunge ufumane imali. Uhlahlo lwabiwo-mali lukunika amandla okugqiba indlela ofuna ukuyisebenzisa ngayo imali yakho. Ikunceda ukuba ulandele imali yakho kwaye unokukukhusela ukuba ungaphaya kwe-overspending okanye uthembele kumakhadi wakho ekwereta. Emva kokutshata, kuya kufuneka uhlalutye kunye nomlingane wakho. Kuthatha ixesha kunye nomsebenzi, kodwa ukuba uhlahlo lwabiwo-mali ungaqiniseka ukuba uphatha kakuhle imali yakho. Yonke idola kufuneka inikwe uluhlu ngaphambi kokuba inyanga iqalise, kwaye xa uphuma ngemali kule ndawo, kufuneka uyeke ukuchitha. Ukuba unako ukuqonda le nyathelo, unokuphumelela ngemali.