Njengoko Unyaka omtsha usondela, Kuyixesha elifanelekileyo lokuphonononga iSicwangciso sakho seMpahla
Isicwangciso sakho sempahla sinokuguquka njengoko ufumana utshintsho lobomi kwaye uhlela ukuhlaziywa rhoqo kwesicwangciso sakho indlela efanelekileyo yokuqinisekisa ukuba iyaqhubeka ihlangabezana neemfuno zakho.
Njengoko unyaka ufikelela ekupheleni, unokuba uhlalutya imali yakho, uhlahlo lwabiwo-mali okanye ezinye iimali. Kwakhona lixesha elifanelekileyo lokujonga ngokutsha isicwangciso sakho sefa kunye nokwenza nayiphi na imisebenzi engekho.
Ukuphonononga Abaxhamli bakho
Kukho iipropati ezithile kwicebo lakho lobuceba onokuthi uwatyelele abaxhamli . Ngokomzekelo, usenokuba wabiza igama lakho iqabane njengomxhamli kwi-inshorensi yobomi, okanye kwiakhawunti yakho yomhlala-phantsi. Unako kwakhona ukubiza abaxhamli kwiintando zakho ukuqinisekisa ukuba bafumana nayiphi na impahla oyifunayo ukuyishiya.
Thatha ixesha ngaphambi kokuba unyaka uphonononge ukutyunjwa kwakho kwabaxhamli. Ukuba uthe waqhawula, umzekelo, ufuna ukuhlaziya ulwazi lwakho loxhamli nge 401 (k) okanye inshuwalense yoluntu; ngenye indlela, iqabane lakho langaphambili liza kuba nelungelo lokufumana ezo ntlawulo xa udlula. Yaye ukuba utshatile, ufuna ukufaka iqabane lakho kwii-akhawunti ezivumela abaxhamli abaxhamliweyo.
Kufuneka ujonge kwakhona abaxhamli abafake kwiintando zakho ukuqinisekisa ukuba akukho tshintsho olufunekayo.
Inventory Your Assets
Ukuba ufumene nayiphi na impahla entsha ngexesha lonyaka-njenge-real estate, ubugcisa okanye uqokelelwane-okanye uthengiswa ngabanye, amaxwebhu akho okucwangcisa impahla kufuneka abonise ezo zinguqulelo. Kancinci, ungadinga ukuhlaziya ukuthanda kwakho ekupheleni konyaka kwi-akhawunti kuyo nayiphi na impahla oyongezile okanye isuswe kwindawo yakho.
Kusenokwenzeka ukuba uyenze okufanayo ukuba ubeke ithemba lokuphila kwezinye izinto zakho.
Ngokomzekelo, ukuba uthenge ikhaya leholide, kufuneka udlulisele ubunikazi bakho kwi-trustee yakho ukuba ifakwe kwi-trust. Ngoxa ukwenza ukongezwa kwezinto eziphathekayo okanye ukuhlaziya intando yakho, thatha isikhashana ukuphonononga ukukhetha kwakho kwe- trustee okanye umphathi , kunye nezifiso zakho ngendlela onokuthanda ngayo iifayili ezigqitywa ngamabini amaxwebhu ukuba ayenziwe.
Ukuhlaziywa kwamandla akho eencwadi zamatyala
Amandla egqwetha anika omnye umntu amandla okwenza egameni lakho kwiimeko ezithile. Amandla emali yommeli anika umntu okhetha ukulawula kwimicimbi yezemali. Amagunya okunakekelwa kwempilo kummeli anika igunya lakho likarhulumente ukuba enze izigqibo zonyango kuwe ukuba ungekho okwesikhashana okanye ungenzi lutho. Igunya elihlala liphezulu legosa lisetyenziselwa kwiimeko apho unengqondo ngokwengqondo ngenxa yokugula okanye ukulimala.
La maxwebhu abalulekile ekucwangciseni ifa ngenxa yokuba angasetyenziselwa ukumboza malunga naluphina umcimbi, ngelixa uqinisekisa ukuba ifa lakho lilawulwa ngokwezimfuno zakho. Ngokuxhomekeke kwimeko yakho, unokuba nelinye uhlobo lombane wegosa, okanye zonke ezintathu.
Ekupheleni konyaka, kuluvo oluhle lokuphonononga ngamagunya amaphepha engummeli okhoyo ukuba ukhangele ukuba kukho na iipaka ezifunekayo ukuba zizaliswe. Kufuneka uhlolisise ukhetho lwakho lwe-ejenti ngamnye ukwenzela ukuba uqiniseke ukuba basenokukhetha okufanelekileyo.
Yenza Isicwangciso seDamenti yeDamethi Ukuba awunayo enye
Izicwangciso zezindlu zibeka ngokubanzi ukucwangciswa kweempahla ezibonakalayo, njengendawo yokuhlala, utyalo-mali, i-akhawunti yebhanki, iindlalifa zeentsapho nezinye izinto ezixabisekileyo. Kodwa, isicwangciso sakho sepropati sifanele sibandakanye imibandela yezinto zakho ze-digital. Oku kuquka izinto ezifana:
- Akhawunti ze-imeyile
- Iimali zeendaba zentlalo
- Iibhanki ze-intanethi kunye ne-akhawunti yokutshala imali
- Iifoto okanye amaxwebhu ogcinwe kwi-intanethi
- Iwebsite yakho okanye ishishini lakho
- Iikopi, iimvume kunye neempawu zokuthengisa
- Imali yedatha
Ezinye iimpahla zedijithali zinenani lexabiso lezemali, ngelixa ezinye zixabiseke ngokwabo.
Kukho nawuphi na, i-ajenda yakho yokucwangcisa indawo kufuneka ichaze indlela ofuna ukuba ezi zinto ziphathwe ngayo xa udlula kwaye ngubani ojongene nokunyamekela. Oku kubaluleke ngakumbi ukuba unempahla yeemali kwiibhanki kwi-intanethi okanye kwi-akhawunti yezobalo-mali ukuba abathandekayo bakho baya kufuna ukufikelela. Abanye, kodwa akusiyo yonke into, inemithetho ephathelele kwii-asethi zedijithali kunye nokuba ingafakwa njani kwisicwangciso sefa. Ummeli wezocwangciso zomhlaba unokunika isikhokelo kulokho umyalelo uchaza kwimeko yakho.
Yenza Intsapho Inxaxheba KwiCandelo Lophuhliso Lwezindlu
Njengoko ixesha leeholide lifikelela, ukuchitha ixesha kunye nosapho kuya kuba yinto ephambili. Ukuba wenze ezinye iinguqulelo kwisicwangciso sakho sempahla, unokufuna ukucwangcisa ingxoxo yentsapho ukuze ihambe phezu kweenguqulelo. Eli lixesha elifanelekileyo lokuvumela amalungu omndeni wakho ithuba lokuphakamisa nayiphi na imibuzo engaba nayo malunga nesicwangciso sakho sefa. Kanye kunye nokuthenga izipho okanye ukudibana kunye nokutya, ukuthetha malunga nemiba yokucwangcisa ipropati kunokuba yinto ehlala ihlala kwaye inokunceda.