Ukucwangcisa Kubalulekile Ukuba Uhlala Kwingeniso
Ukuba ufikelele kwiminyaka yokuthatha umhlalaphantsi ngemali encinane egcinwe kunokuba ukulindeleke-okanye ngakumbi, akukho mali igcinwe kuyo yonke into-eyayiyakhathaza kodwa akusiyo ixesha lokwesaba. Kusenokwenzeka ukuba ujabulele ukuzinza kwemali xa uthatha umhlalaphantsi nangona uqala ukususela kwi-zero; ifuna kuphela isicwangciso semali esicacileyo .
Thatha i-Stock yeefayili zakho
Ukufumana indawo apho uhlala khona umhlalaphantsi kwimali yezemali kuqala ngokuvavanya ngokucophelela kweempahla zakho. Oku kuquka ukugcinwa kwemali, imali ehlawulwa ngumhlalaphantsi wakho ngumqeshi wakho, ama-annuities oyithengileyo kunye neentlawulo ezilungelelanisa irhafu, njenge- 401 (k) okanye i- akhawunti yomhlalaphantsi ngamnye .
Ukuba uhlala phantsi kwaye akukho nanye kwezi zinto endaweni, umfanekiso wakho wezezimali ukhangeleke kakhulu. Kule meko, ungadinga ukujonga ngaphaya kwe-savings kunye ne-akhawunti ye-investment kwiiyiphi impahla eziphathekayo ezinokubamba ixabiso, ezifana nekhaya lakho, iimoto, i-antiques, i-collectibles okanye umhlaba.
Kwimeko yezinto ezifana neemoto, umhlaba okanye i-antiques, ezo ziyakuthengiswa ukuze kuveliswe imali ongayongeza kwi- savings . Ukuba uhlawule ikhaya lakho, okanye usondele ukuba ube yi-mortgage-free, ukuthengisa oko kungaba ngumthombo omkhulu wemali yomhlalaphantsi. Kubalulekile ukuba nembono ecacileyo yento onayo-kwaye oko unokukwazi ukwenza ngaphandle - xa ungenanto yokulondoloza umhlalaphantsi.
Ukunciphisa Ukuchitha kunye nokuhlawula iBhajethi yakho
Oku kufuneka kuhambe ngaphandle kokulondoloza kodwa ukuba uneminyaka engama-60 kwaye akukho mali yokulondoloza umhlala-phantsi elinde ngamaphiko, uya kufuna ibhajethi engenawo amanzi ukuze wenze umsebenzi wokuthatha umhlalaphantsi. Ixesha elifanelekileyo lokucwangcisa uhlahlo lwabiwo-mali lomhlalaphantsi xa usasebenza ukuze ube nexesha lokwenza utshintsho kodwa ukuba usandul 'umhlala-phantsi, kungekudala.
Ukuphonononga umgca wakho wokusebenzisa umgca ukujonga izinto ongazinciphisa okanye ukuzinqumla. Ukunciphisa ikhaya lakho sele kushiwo njengendlela yokunciphisa iindleko zendlu kodwa ukuba ufuna ezinye iindlela zokugcina imali, unokucinga kwakhona:
- Ukuthengisa imoto yakho kwaye uyitshintshele ngaphandle kwenkonzo yokwabelana ngokukhwela ukuphelisa imali yakho yomshuwalense wemoto
- Ukukrazula ifowuni yakho yomhlaba ifowuni ukuba unayo kunye nokunciphisa iphakheji yakho yefowuni kwinqanaba eliphantsi
- Ukukhulisa i-deductible kwi-inshurensi yakho yomnini-inshurensi ukwenzela ukunciphisa iindleko zakho ze-premium
- Ukusebenzisa amaxabiso aphezulu xa kunokwenzeka
- Ukusayina kwi-Medicare ngokukhawuleza xa uvumelekile ukunciphisa imali yokunakekelwa kwempilo yezempilo
- Ukukhethwa kwemveliso ye-generic ngokumalunga negama-uphawu xa kunokwenzeka
- Ukwenza uphuculo oluthile lwekhaya ukwenzela ukwandisa ukusebenza kakuhle kwamandla kunye nokunciphisa iindleko zesevisi, njengokuthenga i-thermostat enokucwangciswa okanye ukufaka endaweni yokuqhafaza kwi-attic yakho.
Ukuba uthe waya kumhlala phantsi unetyala , ukuhlawula xa uqikelela ukunciphisa iindleko zakho kunokukhohlisa. Ukuba ukunciphisa iindleko zakho kukuvumela ukuba ubuyisele imali kwisabelomali sakho, kunokusilingela ukubeka konke kwi-matyala. Kodwa, kufuneka ube ne-cushion yokugcina imali ngokukhawuleza. Ukuba ungowomcingo malunga nendlela yokusebenzisa imali eyongezelelweyo kwibhajethi yakho, ukhetho oluhle lunokuba luhlukanise umahluko phakathi kokulondoloza kunye nokuhlawulwa kwetyala lakho.
Enye enye iindleko ezinkulu onokufuna ukujongana nayo xa uphelelwa umhlala-phantsi uya kunceda abantwana abadala okanye abazukulu ngemali. Ukuba unike lolu hlobo loncedo ngokukhululekile kwixesha elidlulileyo, ukuqhubeka ukwenza oko akunakwenzeka ukuba kube ngokoqobo okanye kunokwenzeka xa ufuna umhlalaphantsi xa ungenalo imali yokugcina. Ngelixa ungeke unyanzelekile ukuba wabelane ngeenkcukacha ze-gory zeemali zakho nabantwana bakho, kufuneka ucacise ukuba awukwazi ukulindela ukuba unikele ngemali ukuba unzima ukujongana neendleko zakho kumhlalaphantsi.
Gxininisa kwiZakhiwo zengeniso
Ukuba uhlala phantsi kungekho mali, Ukhuseleko lweNtlalo mhlawumbi luya kuba ngumthombo wakho oyintloko wokufumana umhlalaphantsi. Unako ukufumana izibonelelo uneminyaka engama-62 ubudala, kodwa oko kuphumela ekunciphiseni imali yakho. Ukuba uthatha inzuzo kwangaphambili, kukuxhamla ukuba ucinge ukuba ungayenza njani enye imifudlana yemali engenayo.
Ukusebenza kwithuba lesithuba yinto enye. Kodwa, kufuneka, ukuba uqaphele ukuba ukusebenza ngexesha ubiza uxolo loKhuseleko lweNtlalo kunokubangela ukuba izibonelelo zakho zincitshiswe okwethutyana xa umvuzo wakho udlula umgca ovumelekileyo . Ukuqala ngecala lomgca lenye inokwenzeka kodwa kunokukuvumela ukuba usebenzise isakhono sakho esele sikho ukuze wenze umvuzo ngaphandle kokufaka ngokugcwele abasebenzi.
Ekugqibeleni, ikhaya lakho linokuba ngumthombo wokufumana umhlala-phantsi. Ukuba uye wakha inani elilinganayo lokulingana, unokwenza ngalo ngetyala lomlinganiso wekhaya okanye umgca we-credit, okanye usebenzisa i- mortgage mortgage . Umahluko phakathi kwezi zibini kukuba umboleko okanye umgca wekhredithi kufuneka uhlawulelwe nguwe; imali engaphantsi kwemali ngokubanzi ayifuni ukuba iintlawulo zenziwe ngaphandle kokuba ungasayi kuhlala ekhaya. Xa udlula, iindlalifa zakho ziza kuba noxanduva lokubuyisela imali yokubuyisela imali yangaphandle ukugcina indlu, okanye ukuyithengisa kwaye usebenzisa imali yokuyibuyisela.
Ukuba oko akubhenxisi kuwe, unokucinga ngokuqeshisa igumbi okanye inxalenye yekhaya lakho kwi-Airbnb. Khawukhumbule nje ukuba ukhangele imithetho yokwakha apho uhlala khona ukuqinisekisa ukuba kuvunyelwe. Kwakhona, ungalibali ukuqwalasela impembelelo yerhafu yokubiza i-Airbnb ngeniso yokuqashisa.