Isakhiwo sobutyebi Umgaqo 1: Khetha umlingani ngeenjongo zeMali ezihambelanayo
Ukufumana nokunamathela kunye neqabane elifanelekileyo lokuphila, ingakumbi ngemali yezimali, unokukwenza okanye uchithe amathuba okuba ucebile.
Enyanisweni, ngokubhekiselele kuphando lomlobi kunye nofundiswa nguDkt. Thomas J. Stanley, izigidigidi ezizimeleyo zininzi kakhulu kunokuba kubemi bonke abantu, kwaye bahlale, batshata nomlingani omnye kumntu.
Kubalulekile ukuba wena kunye nomlingani wakho wobomi bobabini basebenze kwi-ajenda efanayo yemali. Ukuba ufuna umhlalaphantsi kwangaphambili, unceda ukuzisa ingeniso eyongezelelweyo okanye iiklip zecomputer ukugcina imali ethe xaxa kwaye usebenzise inzuzo yenzalo. Ukuba izinto eziphambili zibandakanya indlela yokuphila engenamatyala, uxhasa le nto ngaphandle kokuthenga ngasese emva kwakho.
Isakhiwo sobutyebi Umthetho wesi-2: Nokuba "Iingxowa-mali ezilungileyo" azikho kakuhle
Ngaphandle kwemibandela embalwa, ityala linokusebenza njengekhoboka lokugqilaza umntu obolekayo, kaninzi iminyaka. Ukujonga ngobomi bakho ngenkululeko yokungahlawulisi imali nantoni na. Melana nomnqweno wokuba "uhlale kunye namaJones" kwaye uhlawulise amakhadi ekredithi ngenxa yezinto ezinjengeempahla ezixabisekileyo kunye neeholide ezikhethileyo.
Ukuhlawula ityala lakho elikhoyo kuqala.
Abanye abacwangcisi bemali bathi ukuboleka ukuxhasa izinto ezibalulekileyo ezifana nekhaya okanye imfundo "ityala elihle," kodwa abantu bavame ukukhetha izikolo ezinkulu nezindlu xa zihlawula imali ngemboleko. Oku kungakugcina ityala iminyaka, kwaye uhlawule amawaka eedola ngenzala onokukuxhaswa ngemali yakho yomhlalaphantsi.
Uninzi lwezikolo eziphakamileyo, kodwa izikolo ezithengiweyo, kwaye ukuthenga ikhaya phantsi kweendlela zakho kukuvumela imali eyongezelelweyo ukuhlawula imali yakho yokubambisa kwangaphambili kunye nomthwalo wokuba imali ibe yongeniso kunye nokutyalwa kwemali yomhlalaphantsi.
Isakhiwo sobutyebi Umthetho wesi-3: Phuma kwi-Ulwalamano lwakho neMali
Lo mgaqo awucacile, kodwa ukuba awuyithandi apho abazali bakho bebeyimali ngexesha lakho, yenza izinto ezahlukeneyo, uzikhethele wena kunye nosapho lwakho. Ngexesha lokukhuliselwa kwakho, indlela abazali bakho abaphatha ngayo imali yabo uye waba nefuthe ekusebenzeni kwakho ukuphatha iimali zakho namhlanje. Imali ayikho nje iqela lephepha elinomfanekiso womntu odumileyo kulo, kwaye xa uqonda ukuba imele ntoni kuwe, uyayiqonda ingqalelo imali yakho, ukugcina nokugcina imikhwa. Ukuba usoloko uvakalelwa kukuba awufanelanga ukufumana umvuzo ophezulu, phila ngaphandle kwetyala okanye ube nemali eninzi "nabanye abantu," ezi nkolelo zinokubangela ukuba wenze ukhetho olubi lwezemali oluya kubamba. Fumana kunye neengcinga zakho eziyinyaniso uze uphule kuzo ukuze uqalise ukwakha ubutyebi obutyebi.
Isakhiwo sobutyebi Umthetho wesi-4: Thatha inzuzo yeziCwangciso zomhlala-phantsi
Ukukhupha i-Max yakho iminikelo kwi-akhawunti yomhlala phantsi ngamnye ngonyaka. Ngokukodwa xa usemncinci, unenzuzo ekhethekileyo yexesha, okubhekisela kwiminyaka eyongezelelweyo yokukhula komdla.
Ukuba unama-401 (k) cwangcisa ngokusebenzisa umqeshi wakho, ingakumbi ukuba ahambelana neminikelo yakho, hlawula kuyo ukuze usebenzise inxaxheba kulo mdlalo. Kananjalo, ungaphezulu kwelo, uhlawule iRoth IRA ngeminikelo yonyaka. Gwema iphutha elifanayo; ungaboleki imali kwiakhawunti yakho yomhlalaphantsi. Ngeke ukwazi ukunikela imali engakumbi uze uhlawule umboleko; unokufumana kunzima ukwenza iminikelo kwiminyaka ezayo, kunye kunye uya kulahleka ekuqokeleleni umdla kwimali ebolekelwe. Fumana iindlela ezongezelelweyo zokukhupha iibill zonyango ezingalindelekanga, iindleko zekholeji okanye ukuphucula ekhaya lakho.
Isakhiwo sobutyebi Umthetho wesi-5: Hlala phantsi kweendlela zakho kunye nokwandisa impilo yakho yokuphila ngokukhawuleza
Fumana ukhululekile uthi "hayi" kwizinto ongenakukwazi ukuzihlawula ngemali. Ukunyuka kwexesha kunye nokwenza ityala kukuchaphazela kakhulu imali oya kuba nayo nyanga nganye ukuxhasa imali yakho yomhlalaphantsi.
Thengisa ikhaya elingabikho ngaphezulu kwama-25 ekhulwini lakho lokuhlawula intlawulo yenyanga, kwaye ufumane umyinge weminyaka eyi-15 kwi-mortgage rate. Njengoko ufumana ngaphezulu, qalisa ukwenza iintlawulo ezongezelelweyo kwi-mortgage yakho ukuze uhlawule ngokukhawuleza kwaye uncedise imali ukuze ugcine umhlalaphantsi. Ngale ndlela, uya kuzibekela umhlalaphantsi oxhaswa ngemali ngaphandle kweentlawulo zemboleko.
Isakhiwo sobutyebi Umthetho wesi-6: Ukuhlawula umhlala-phantsi wakho ngaphambi kweeKholeji zeKholeji zezingane
Oku kusenokungahlali kakuhle nabazali abaninzi, kodwa akukho siqinisekiso sokuba abantwana bakho baya kufuna ukuya kwikholeji. Nangona kunjalo, kukho izinga eliphezulu lokuba uya kuthatha umhlalaphantsi, ucinga ukuba uhlala ixesha elide. Ukuba awukwazi ukukwazi ukwenza oku zombini, ukubeka phambili ukugcinwa komhlala phantsi kokugcinwa kwikholeji.
Isakhiwo sobutyebi Umthetho wesi-7: Dweba uKhuseleko loLuntu njengexesha elide njengoko kunokwenzeka
Esikhundleni sokuthatha umhlalaphantsi kunye nokuthatha iintlawulo zokhuselo loluntu ngokukhawuleza, ngokukhawuleza, kwi-62, ukulibazise ibango lakho lokhuseleko loluntu. Ukususela ngoFebhuwari 2018, ukuba uzalwe ngaphambi kowe-1955 kwaye ulinde uze ufikelele kwiminyaka yobudala engama-66, uza kufumana ipesenti ze-social security benefit yakho. Ukuba ulibazise umhlala phantsi ukuya kwi-70 ubudala, uya kufumana ibhonasi, ebeka inzuzo yakho kwi-132 ekhulwini yemali oyayifumana nganye nyanga ukuba ubuye wayethatha umhlala-phantsi kuma-66. Musa ukulinda isicelo se-Medicare nangona kunjalo; kufuneka usebenzise uneminyaka engama-65 ukukhusela iindleko ezikhulayo.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.