Unokufumana Kangakanani Amatyala?
Ngokufanelekileyo, akukho tyala luza kuba yimpendulo engcono, kodwa kufuneka uqaphele ukuba kwiimpahla ezithile kufuneka ubole imali, njengokuthenga indlu.
Uninzi lweengcali zivuma ukuba iintlawulo zakho zenyanga zenyanga zemali akufanele zidlule i-36% yengeniso yakho yenyanga. Leli qalo elihle lokuqala, kwaye emva kwexesha ukuba unokunciphisa le nombolo uya kuba yimeko ehle kakhulu.
Kufuneka Uninzi Kangakanani Ekhaya?
Kufuneka uqale ngokubala inqanaba lakho lemali-kuya-ngeniso usebenzisa isikhokelo se-36% somlinganiselo wamatyala akho ngenyanga. Emva kokukhipha elinye ityala lakho, ushiywe ngenkokhelo yenyanga efunekayo.
Olunye umthetho wesitopu sezindlu kukuba kufuneka uthenge indlu engabizi ngaphezu kweyesibini nesiqingatha ukuya kathathu unyaka wakho wokufumana. Ngokomzekelo, ukuba wena kunye nomlingane wakho nifumana i $ 100,000 ngonyaka, akufanele uchithe ngaphezulu kwama-250,000- $ 300,000 kwikhaya.
Ingakanani Imali Okufanele Uyigcine?
Enye yemithetho esetyenzisiweyo kakhulu yokulondoloza kukuba kufuneka ulondoloze okungenani i-10% yengeniso yakho. Gcinani engqondweni, oku kucinga ukuba ulondoloza imali eyongezelelweyo kwisicwangciso somhlala-phantsi kunye.
Olu lawulo lwe-10% lusebenza ekudaleni i-cushion yeendleko zeendleko ezingalindelekanga, imfundo yekholejini , okanye ezinye iinjongo.
Xa kuziwa malunga nokuba ufuna ukugcina umhlalaphantsi kangakanani, ukuba inkampani yakho inikeza inkqubo ehambelana nayo, kufuneka ulondoloze ubuncinane ukwanele ukuyisebenzisa. Yimali yamahhala. Ezi nkqubo ezifanayo zingabikho ukusuka kwi-3-5% yentlawulo yakho yonke, kodwa ukugcinwa kwakho komhlalaphantsi akufanele kume apho.
Abantu abancinci abanexesha elide lokulondoloza kufuneka balwele ubuncinci be-10%, nangona ukufuphi kwakho kukuthatha umhlalaphantsi, unokuba ukudubula i-20-30% ngokuxhomekeka kwenzakalo yakho yangoku.
Ubunjani Ubunzima Bakho KwiNgxowa-mali Yongxamiseko?
Ingxowa-mali yongxamiseko isetyenziselwa ukuhlawula iindleko xa kukho ukulahlekelwa ngokukhawuleza kwengeniso okanye enye ingxamiseko yezemali . Uninzi lweengcali zibonisa ukuba ikhaya liphakathi kweenyanga ezintathu neenyanga ezintandathu zokubiza iindleko ezikhoyo kwimeko yengxamiseko. Ngoko ke, ukuba uxanduva lwakho lweenyanga luzonke i-$ 2,500, kufuneka uzame kwaye uhlale phakathi kwama-$ 7,500 kunye ne-15,000 kwi-fund yakho engxamisekileyo.
Ingakanani Imali Oya Kuyifuna Ngomhlalaphantsi?
Iingcali ezininzi zisebenzisa ukucinga ukuba kuya kufuneka ukuba utshintshe imali engenayo ngaphambi kokuthatha umhlalaphantsi ngo-75-80%. Ngoko ke, ukuba wenza i-$ 80,000 ngonyaka ngaphambi kokuba uthathe umhlalaphantsi, kufuneka ulindele ukuba ube ne-60 000 engaphezulu kwee-60,000 kwimali engenayo ngexesha lomhlalaphantsi.
Enye indlela yokucinga ngolu hlobo kukusebenzisa ukucatshulwa kwento esitshoyo isitshi sakho seqanda kufuneka sibe ngamaxesha angama-20 amaxesha akho endleko yomhlala-phantsi engafunyenwe yimithombo engenayo yangaphandle, njengentlalo yokhuseleko okanye ipensheni.