Ukulawula iimali zakho, ukususela kwixesha lokungena kumntu omdala ukuya kwixesha okulindele ukuba uthathe umhlalaphantsi, kufana nokuqhuba i-marathon: Ukuqinisekisa ukuba ufinyelela injongo yakho ngexesha elifunayo, kufuneka uqaphele ukuhamba kwakho kunye nomgama endleleni.
Abaqhubi baqala ukuhamba ngokukhawuleza ngokulindela ukuba baya kudala ixesha ekupheleni, kodwa baninzi bethu besondela umhlala phantsi ngaloo ndlela. Ngokutsho kweSizwe seSizwe soKhuseleko lwaMhlalaphansi, ngaphezu kwama-60 ekhulwini amakhaya asebenzayo abaneminyaka yobudala engama-55-64 anamaxesha angaphantsi kwexesha elifumana imali yokufumana umhlala-phantsi.
Akukufuneka ubekwe kwinto efanayo. Ukuze ugweme ngokukhawuleza ukuvuka ngexesha lokuthatha umhlalaphantsi kuphela ukuba uqaphele ukuba uhamba emva, uya kufuneka uzenzele. Ukujonga "abamakishi bee-meyile" ngokuhamba kohambo lwakho lwezezimali kuya kuqinisekisa ukuba uhlala kumzila ukuhlangabezana neenjongo zakho.
Nazi ezinye iimali ezibalulekileyo zokubetha kuwo onke amaxesha.
Ngama-25 kufuneka ...
Iminyaka yakho eyi-20 yithuba eligqibeleleyo lokuseka imikhwa yempilo enempilo. Phakamisa ukuba ixesha lisekho caleni, kwaye ujonge ukubetha ezi zinto zibalulekileyo.
Unayo iNgxowa-mali eNgxamisekileyo yeNgxowa-mali
Ukubeka bucala imali kwiimeko ezikhawulezayo kukuba kufuneka nayiphi na isicwangciso sezimali esiqinileyo. Khangela ukuba phakathi kweenyanga ezintathu ukuya ezintandathu iindleko ezigcinwe.
Khusela iIninshurensi Yakho Yempilo
Ekubeni akusayi kuphinda ukwazi ukuhlala kumama womshuwalense wezokwelapha uqala kwiminyaka engama-26 , yenza isicwangciso ngokufanelekileyo phambi koko ukuze ugweme nayiphi na indlela ekugqibeleni.
Qalisa ukuNcedisa kwiRhafu
Makube nomdla owenza umlingo wakhe ngokulondoloza umhlalaphantsi ekuqaleni.
Ukuba ulwa nemali-mboleko yomfundi, yenza ezo zinto ziphambili, kodwa uzame ukwenza inxaxheba kwi- 401 (k) okanye i-IRA , kwaye ujonge ukunyusa ngonyaka.
Ngama-30 kufuneka ...
Ngexesha lokungena kwii-thirties zakho, ufumana ukuxhoma kwale nto ebizwa ngokuba ngumdala. Ixesha lokuqinisa isiseko sakho semali.
Khangela ukubetha ezi njongo.
Ukunciphisa uMatyala-mboleko weMali
Zama ukukrazula iimali-mboleko zakho zabafundi ngokukhawuleza . Emva kwakho konke, unako ukuba nabantwana bakho (okanye abantwana bexesha elizayo) ukuba bakucinge ngokukhawuleza, ngoko qiniseka ukuba ukuhlawula kwakho kukukho emva kwakho.
Gcina kwiNtlawulo ephantsi kwiKhaya
Ukuba kuthengwa kwekhaya kuyinjongo, jonga ukugcina iipesenti ezi-10 ukuya kwe-20 yakho yokuhlawula. Ngelixa unokuthenga indlu ngezantsi , ukuhlawula okunempilo kukubeka kwisikhundla sokwakha ubulungisa kunye nokukhusela i-inshurensi yangasese yemali ye-mortgage (PMI).
I-inshorensi yobomi okhuselekileyo nokuseka intando
Ukuba usuqalile intsapho, okanye ukuba ubani oxhomekeke kwingeniso yakho, misela i-inshorensi yempilo yobomi kunye nomlingane wakho (ukuba utshatile), kwaye ubhale intando yakho. Nangona ungazange uqalise intsapho, kusekufuneka ukhangele, njengoko ungayifakela kwinqanaba le-inshorensi yobomi xa uselula kwaye unempilo.
Banikela ngeepesenti ezili-15 zeNgeniso yakho ekubhekiselele kumhlala phantsi
Ukuba ubeka ngaphantsi kweepesenti ezili-10 zengeniso yakho engaphambili yentela ngokuthatha umhlala phantsi ngeli xesha, lixesha lokunyusa oko. Cwangcisa ama-15 ekhulwini, kwaye ngokuqinisekileyo akukho ngaphantsi kwama-10 ekhulwini.
Ngama-40 kufuneka ...
Ngama-40, umiselwe ngakumbi ebomini, kwaye iimali zakho kufuneka zibonise oko.
Cwangcisa le miba ebalulekileyo.
Ukunciphisa konke (engekho-mboleko) Ityala lomThengi
Ngethemba, iimboleko zakho zomfundi zikude emva kwakho kweli nqanaba. Kwakhona ujonge ukukhangela ikhadi lokuthenga ngetyala, imboleko yemoto, kunye nezinye izikweletu zamatyala ngeli xesha.
Yiba neSicwangciso seKholeji yabantwana
Musa ukulinda ade abantwana bakho babe ngabantu abadala kwaye bajonga iileta zabo zokwamkela ukuqala ukucinga ngemali yekholeji . Yiba nesicwangciso phambi kokuba ufike kwindawo leyo, kwaye ube neengqiqo malunga noko unokukwazi ukufaka isandla.
Namaxesha Aphindwe kabini Ingeniso yakho igcinwe
Injongo enkulu ekusebenzeni kuyo kukufumana kabini inzuzo yakho yonyaka egcinwe kwiakhawunti yakho yomhlala phantsi ngeli xesha. Oku kuya kukunceda ulandelele ukuba ugcine ukwanele xa usufikelele kwiminyaka yobudala.
Ngama-50 kufuneka ...
Qhubeka ukwakhiwa kwisiseko sakho semali esiqinileyo ngokujonga ukufikelela kule miba ephambili ngamashumi ama-50.
Okukhethwa nguMax Out Retirement
Ukhupha zonke izinto ozikhethayo ngomhlalaphantsi . Ukudibanisa neengcali ukuze ubone ukuba nguyiphi iinguqulelo ofuna ukuzenza ukuze uhlale kwindlela yokuhlangabezana neenjongo zakho zomhlalaphantsi. Zisebenzise imimandla ephezulu yokubambisa i-catch-up eqala kwiminyaka eyi-50.
Bhatala okongezelelweyo kwikhaya lakho
Ngetyala lesithengi emva kwakho, eli lixesha elifanelekileyo ukuqala ukucinga malunga nokuhlawula okongezelelweyo kwikhaya lakho . Ukuba uxhonywe ngaphandle komhlalaphantsi kwaye ufumane inkxaso-mali ekholeji, vula nayiphi na idola ekhoyo kwibhajethi yakho kwi-mortgage yakho.
Ngama-60 kufuneka ...
Uhlala kwinqanaba le-marathon yakho yezemali, kodwa awuhambanga umgca wokugqibela nje. Nenjongo yokufezekisa le mi sebenzi.
Zilungele kakuhle iinjongo zakho zokuthatha umhlalaphantsi
Kwakhona, dibana neengcali ukuvavanya iinjongo zakho zomhlalaphantsi kunye nawaphi amanyathelo okufuneka uyithathe ukuze uwafinyelele. Ukuba ucinga ukuhlawula ikhaya lakho, ukuhamba, okanye ukwenza nayiphi na inguqu ephawulekayo ngaphambi kokuthatha umhlalaphantsi, misela ixesha eliqinileyo elifunekayo ukusebenzela kulo.
Hlaziya i-Ints and Your Life Insurance
Hlaziya kwakhona ukuthanda kwakho ukuqinisekisa ukuba ibonakalisa imeko yakho yangoku kunye nezifiso. Yenza nayiphi na inguqu efunekayo. Khangela uhlolisise ukuqinisekisa ukuba umgaqo-nkqubo womshuwalense wezempilo uhlangabezana neemfuno zakho.
Jonga kwiNkxaso-mboleko yesikhathi eside
Khangela inshuwalense yexesha elide wena kunye neqabane lakho xa utshatile. Eyona nto, ufuna ukuba nale ndawo phambi kokuba uyidinge.
Yiba neSicwangciso
Kungaba nzima ukuba ucinge ngokubetha zonke ezi zinto zibalulekileyo, ngakumbi ukuba sele usudlulile ezinye zazo. Musa ukudimazeka, nangona kunjalo. Kunoko, vavanya apho ukhona kunye noko kufuneka uyenze ukuzimisela ukuzifumana.
Isibalulekileyo sokuba nesicwangciso kunye nokuzikhethela ngokukhetha kwakho imali. Ngokuqaphela ezi zinto zibalulekileyo kwaye zijolise kubo, uya kuzibeka ukuze ube ngumzila wokuhlangabezana neenjongo zakho zomhlalaphantsi.