Indlela yokudala uhlahlo lwabiwo-mali usebenzisa i-TSL

Sebenzisa le ndlela Ukudala i-Smart Budget

Unyaka omtsha usanda kuqalisa, kwaye ukuba awuyikubeka ndawonye uhlahlo lwabiwo-mali, nalixesha lokuqalisa. Ukuba awuqinisekanga ukuba ungaphi na ukuqala phi, zama i-TSL ndlela: Imirhumo, uLondolozo lobomi. Injongo kukuzabalazela ukuhlulwa kwepesenti elandelayo nganye idola oyifumanayo:

Imirhumo = 30% kwi-Fed ne-State

Imirhumo ithatha ukuluma okukhulu kuzo zonke iintlawulo zethu kwaye kubalulekile ukuba singazigqali xa uceba uhlahlo lwabiwo-mali.

Qinisekisa ukuba uyazi ukuba uhlawula phi inkokhelo, kwaye oku kuquka zonke iirhafu: irhafu yombuso kunye neentlawulo zorhulumente, i-FICA, i-Medicare, i-capital income, ipropati kunye nerhafu yokuthengisa.

Ukonga = 20% ukuya kwi-401 (k) Cwangcisa okanye ukuhlawula amatyala

Ukwabela i-20% yengeniso yakho ekugcineni imali yinto enobungakanani, kodwa ukuba uthetha ingqalelo kwiindlela ezininzi ezinokwenziwa kwentela ukugcina ezifana ne-401 (k), 403 (b), 457 okanye i-SEP IRA, unokufumana ezininzi ngokukhawuleza kunokuba ucinga. Ukuba ukusindisa i-20% kubonakala kunzima, qalisa nje kwindawo ethile kwaye usebenze kuyo. Uya kufika khona kungekudala kunokuba ucinge.

Ubomi = 50% yoKutya, iZindlu, ukuNwabisa kunye nenye into

I-50% ephumayo yengeniso yakho eseleyo (le nombolo ingadinga ukutshintshwa ngokusekelwe kwimeko yakho yerhafu yonyango) ngokwenene imali engasetyenziselwa ukuchithwa kwemali. Ngethuba nje usebenzisa i-TSL ngokuchanekileyo, akunandaba nokuba usebenzisa le mali.

Kodwa, ukuba ufuna ukwenza le mininzi yale mali, zama ukuyiqondisa kwiminqweno yokuphucula ubomi.

Izikhokelo ze-TSL Susa iTyala

Esinye sezizathu endibathandayo izikhokelo ze-TSL kukuba ziwususa into yecala. Ngethuba nje ukubetha amanani akho, akusafuneka usenokukhathazeka malunga noluphi uluntu lubona luyingozi.

Ukuba uhlahlo lwabiwo-mali, kwaye i-Iced Vanilla Buttercup Triple Mocha Latte ikuvuyisa-unokukhanya okuluhlaza ukuze uyithenge kwaye ujabulele! Ekubeni unesilumko-silumko, unako ukufumana ipenny-budenge. Unokuchitha iipenki zakho kuyo yonke into oyifunayo, nje ngokuba ufumana izinto ezinkulu ngokufanelekileyo.

I-TSL Worksheet elula

Imali echanekileyo yokuchithwa kunye nemikhuba yokulondoloza- TSL- unokukwenza ube yinkosi yezigqibo zakho. Sebenzisa izikhokelo ze-TSL kwaye musa ukunyuka. Yithemba ukuba ukuba uceba kakuhle kwaye ulondoloze ngokucokisekileyo uya kuba neleyo ngokwaneleyo ukubonelela ngomhlalaphantsi ovuyayo. Thatha isinyathelo sokuqala namhlanje ngephepha lokusebenzela elingezantsi. Okokuqala, cwangcisa ingeniso yakho yenyanga, kuquka yonke idola enye oyifumanayo:

Umvuzo =

Imivuzo =

Tips =

Ingeniso yeNkcitho =

I-Trust Fund Income =

I-Under-the-Table Income =

Ezihlukeneyo =

Imali engenayo = ____________

Ngoku, se benzisa le fomyula elandelayo:

Ingeniso epheleleyo X 30% = ____________ kwiNtlawulo

Ingeniso epheleleyo x 20% = ____________ kwi-Savings

Ingeniso epheleleyo x 50% = ____________ kubomi

Inqubo ye-TSL yindlela engenamacala okuchitha imali yakho ekhethekileyo emva kokuba uhlawule irhafu yakho kwaye ubeka imali ekulondolozeni kwakho.

Ukuba sele sele uneminyaka emininzi yokusebenza phantsi kwebhanti yakho kwaye awuzange ufake le fomula okwangoku, akukho xesha linjengoku.