Khetha iSiza soTyalo-mali sokuTyala kwexesha elide nelifutshane
Utatomkhulu wayengumchweli kwaye yena kunye nobaba bam bavakalisa ukuba kubaluleka kokusebenzisa ithuluzi elifanelekileyo lomsebenzi - musa ukusebenzisa i-wrench ukuze uzinze isikhonkwane.
Ukudibanisa iinjongo zakho zokutyalomali kunye nesixhobo sokutyalomali esifanelekileyo siyinxalenye ebalulekileyo yesicwangciso esicacileyo kwaye siya kunceda ufikelele kwiinjongo zakho. Iinjongo zotyalo-mali ngokubanzi ziwela kwiibakala ezimbini: ixesha elide kunye nexesha elifutshane.
Iinjongo zexesha elide
Iinjongo zexesha elide ubuncinane kwiminyaka emihlanu kwixesha elizayo kwaye abatshali-mali abaninzi banamacandelo amabini aphezulu: inkxaso ngemali yeekholeji kubantwana kunye nokwakha isikhwama somhlala-phantsi okhululekile.
Asiyena uluntu olusebenza ngokulula kwiinjongo zexesha elide. Sincinci ngakumbi kwaye siyazi kakuhle iinjongo kunye neenjongo ezikufutshane okanye kwixesha elizayo elizayo, enokuthi iphendule ukuba kutheni amaninzi amanqaku e-retraite ahlawulwa phantsi.
Unako ukuxhasa ngemfundo yekholejini ukuba awukwazi ukugcina okwaneleyo, kodwa awukwazi ukuboleka indlela yakho ngokuthatha umhlalaphantsi. Ukufeza le njongo kuthatha ukuzinikela kunye nokuzimisela ukunikela into ethile ngoku ngenzuzo kwixesha elizayo.
Esikhundleni sokufanisa i-akhawunti yebhanki, zifanekise ngokuthatha umhlalaphantsi ukwenza oko ufuna ukukwenza. Ukuba iphupha lakho ukuhamba ngomkhumbi ukuya kwiiCaribbean, hamba intengo kwisikhephe oyifunayo, qalisa ukucwangcisa uhambo lwakho, fumana ukuba kuya kuba neendleko zokuhlala kwiziqithi, njalo njalo.
Yiza nenani ukwenza iphupha lakho libe yinyani kwaye liza kuba libiza ngaphezulu ngelixa uhlala phantsi.
Ingongoma kukubeka amandla angamavakalelo emva kweenjongo zakho kunokuba unobuncwane.
Iinjongo zexesha elifutshane
Iinjongo zexesha elifutshane ziphantsi kweminyaka engamahlanu, kwaye mhlawumbi kwiminyaka emithathu okanye ngaphantsi. Ezi ziquka ukugcina ukuhlawula kwintlawulo kwindlu okanye kwikhaya lesibini, ukuthenga imoto entsha okanye ezinye iindleko ezinkulu.
Iinjongo zexesha elifutshane zihamba ngokukhawuleza ezingakuchukumisa ingqalelo kwiinjongo ezikude ezifana nokuthatha umhlalaphantsi. Kufuneka ufumane ibhalansi phakathi kwale mizuzu emfutshane (okanye ufuna) kunye neenjongo zakho zexesha elide. Kulula kakhulu ukubeka inkxaso-mali yomhlala-phantsi, ngokukodwa, kubambelele ngelixa ezinye, iinjongo ezingaphezulu (kunye nokuzonwabisa) zidibeneyo. Le mpazamo uya kuhlawula kwiminyaka emva.
Ukukhethwa kweMveliso efanelekileyo
Ilungelo lakho elihle lokufikelela kwiinjongo zakho zexesha elide kukusebenzisa i-stocks kunye nezibophezelo (nokuba ngumntu ngamnye kunye / okanye ubunikazi bentlawulo). Ngokomlando, ezi zithuthi zisebenza kunye ziye zavelisa iziphumo ezilungileyo kwixesha elide.
Nangona kunjalo, izitokethi azifanelekanga kwiinjongo zotyalo-mali ezingaphantsi kweminyaka emihlanu. Ukunyanzeliswa kweemarike kwenza ukuba nabo bangaqhelaniseki kwiinjongo ezifutshane. Izibophelelo zexesha elide (iminyaka eli-10 okanye ngaphezulu) zinika isivuno esiphezulu kodwa sinomngcipheko ophezulu.
Izibophelelo eziphakathi kwimiba emihlanu ukuya kweyesibhozo eneminyaka engama-7 ingaba yindlela efanelekileyo.
Kwixesha elifutshane, iibhondi kunye neemveliso zebhanki ezifihliweyo ezifana neeCD zibonelela ngendlela efanelekileyo kunye nekhuselekileyo yokuhlangabezana neenjongo zotyalo-mali. Iimali eziphantsi kweminyaka engaphantsi kweminyaka emibili zingenakho ukukhuphisana nemikhiqizo yasebhanki, kodwa oku kulula ukujonga ngaphambi kokutyalomali.
Ukuba unesabelo esincinci sezinto zakho kwiindawo eziphathekayo, ungabhekisela kuzo kwiinjongo zexesha elide. Oku kukunika iwindow enkulu ukuze ukhethe xa iimeko zingcono ukuthengisa. Le festile inokufika kwiminyaka emihlanu, okanye i sixhenxe, okanye i-10, okanye ayikho. Iphuzu kukuba, awukwazi ukuzithengisa ukuthengisa ngexesha elithile ngenxa yokuba imakethi yendawo yokuhlala isebenza kwishedyuli yayo.
Isixazululo
Kungabonakala kulula, kodwa ukudibanisa isixhobo esifanelekileyo kunye neenjongo zakho zotyalo-mali ngokuqhelekileyo yingxaki.
Kwenzeka ntoni utshintsho kwimarike yeemasheya kunye / okanye inzala inokubangela ukuba abatyali-mali bangene okanye baphume kwizinto abazikhethayo mhlawumbi ngenxa yokwesaba ukulahleka okanye ithuba elibonakalayo lokuba benze inzuzo ngokukhawuleza (ukunyaniseka: ukuhaha).
Isisombululo kukusekela iinjongo zakho (elifutshane kunye nexesha elide), yenza ukhetho olukhethiweyo lokutshala imali uze ubambe isicwangciso sakho. Ukuphonononga kwakhona ngekota (okanye njalo), kodwa ungayeki isicwangciso sakho kwiinguqulelo zorhwebo nsuku zonke.