Hlola imeko
Thatha isikhashana ukuhlala phantsi kwaye uhlolisise kakuhle imeko yakho.
Ukugijima ngokukrokra akusayi kusombulula nantoni na kwaye kuholele ekuxininiseni okongeziweyo. Ngokuqondakalayo, mhlawumbi unezinto ezizigidi ezigijima ngentloko yakho kwaye zipholile kwaye ziqokelelwa yinto yokugqibela engqondweni yakho, kodwa ukwazi ukuvavanya imeko yakho kuya kuqinisekisa ukuba wenze ukhetho olufanelekileyo.
Okokuqala, misela oko kubangele le ngxamiseko yezemali. Ngaphambi kokuba ukhangele iindlela zokusombulula imeko, kufuneka uqonde isizathu. Ngaba ukulahlekelwa ngokukhawuleza kwemali engenayo? Ukunyuka kweendleko ongeke uqhubeke nazo? Inhlekelele yendalo? Nangona nganye imeko ingakhokelela kwimithwalo efanayo, icebo lakho lokuhlaselwa liza kufuneka lijongise ingcambu yengxaki ukuba isebenze ngexesha elide.
UkuQala phambili iindleko
Azikho zonke iindleko ezenziwe zilinganayo. Kukho iindleko ezithile ezifuneka zihlawulwe phambi kwabanye. Ezinye zezinto ezibaluleke kakhulu ukubeka phezulu kwoluhlu lwakho kufuneka zibe kukutya kunye nendawo yokuhlala.
Ngaba kulungele ukukhishwa kweengozi yokubeka ingozi ukuze kugcinwe i-bill yakho yebhanki yangoku? Kucacile ukuba akunjalo, hlalutye ngononophelo zonke iindleko zakho kwaye unqume ukuba zeziphi ezibalulekileyo. Akufanelekile ukuhlawula into enokukubeka engozini yokungakwazi ukuhlawula ngokuyimfuneko.
Emva kokuba uzimisele ukuba yiziphi iibill ezibaluleke kakhulu, unokuqala ukukhangela iindleko zokunqunyulwa kwebhajethi yakho.
Nangona kungenakukuhlekisa ukunqumla ezinye zezinto ozisebenzisayo, kusenokuba kuyintoni okufunekayo ukukugcina ungene kwisangqa semali.
Khangela iindlela zokunciphisa okanye ukuphelisa izinto ngokupheleleyo. Cinga ngezo mpahla ze-movie ze-premium okanye i-satellite package. Mhlawumbi unako ukufumana ngaphandle kwesicwangciso sefowuni esabiza, okanye mhlawumbi uchithe ifowuni yakho yomhlaba ngokupheleleyo. Ukuba uhlala udla, cinga ukusika okanye ukutya ekhaya ngokupheleleyo. Ayithathi nto. Ukuba ufumanisa iindlela ezi-5 ezahlukeneyo zokugcina i-$ 20 nganye nyanga, ukhulule ngokukhawuleza u-$ 100 ongaya kwiindleko zakho ezibalulekileyo neziyimfuneko.
Ukuxoxisana nabaLawuli
Ukuba unenkathazo ngamakhadi-ngetyala, iibhilikhi zonyango, okanye nakwi-mortgage yakho, into yokuqala okufanele uyenze ukubiza umnini-mboleko wakho. Yikholwa okanye akunjalo, inomdla wabo ukukunceda ukuba wenze iintlawulo zakho, nokuba uthetha inzala engaphantsi okanye ukwandisa imiqathango. Abantu bahlala bekulinda de kube sele behlaselwa kakubi ngaphambi kokuba baqhagamshelane nababolekisi babo, kwaye ngoko ke abanqweneli ukusebenza nawe. Ukuba uyazi ukuba imali iyaqina kwaye ungadinga uncedo, biza phambi kokuba ufike emva.
Ukubiza umnxeba wekhadi lakho lekhadi kungabangela inzala engaphantsi, kwaye kwezinye iimeko kunokukhokelela ekulibazisekeni kwexeshana ekwenzeni iintlawulo. Ukufikelela kwinkampani yakho yokuboleka imali kungaholela ekuhlaziyweni kwemali mboleko yakho. Kwaye nangona kufikelele kwimisebenzi yakho njengombane kunye negesi, kaninzi zibonelela ngeenkqubo zokunceda ukugcina izibane kwaye zihlawule iintlawulo xa unokufumana ubunzima. Musa ukulinda iileta zokusongela ukuqala ukuza ngeposi ngaphambi kokuba uthathe isenzo.
Fumana iMali eyongezelelweyo
Eyona nto, ufuna ukuba nemali ebekwa bucala kwi- fund yexakeka ekuncedeni ukuhlawula nayiphi na iindleko ezingalindelekanga, kodwa oku akunakwenzeka njalo. Uphendukela phi xa usuphelile i-akhawunti yakho yokulondoloza?
Unako ukuzama ukufumana imali mboleko okanye ukusebenzisa amakhadi esikwereti, kodwa ezi zinto zingenza ingxaki ibe yimbi kuphela.
Nangona ukuboleka imali kunokubonelela ngokukhawuleza kwimali, kunokuza kunye neerhafu eziphezulu kunye nentlawulo entsha yenyanga. Ukuba ujongene nobunzima bezezimali kwixesha elongezelelweyo, ungasifumana kwizinto ezingenakukwazi ukuzifumana.
Enye into enokuyenza kukujonga ukuba ngabahlobo kunye nosapho. Akukho mntu uthanda ukucela imali, kodwa uncedo oluthile oluvela kumntu othandekayo lunakho konke okufunayo ukufikelela kwisiqwenga esibi. Kakade ke, oku kunokukunceda ulwalamano oluthile, ngoko ke qaphela.
Kwaye ekugqibeleni, unokufumana imali ngemali-mali okanye kwiakhawunti yomhlalaphantsi. Ngokuqhelekileyo, ukurhoxisa imali kwiakhawunti yakho yomhlala-phantsi yinto engalunganga njengoko kunokubeka ukhuseleko lwakho lomhlala-phantsi engozini, kodwa kunokukunokwenza ukuba ungangeni kwiinkathazo zemali.
Ukuba okwangoku u- 401 (k) okanye 403 (b) apho usebenza khona, khangela ukuba ngaba unikwe imali mboleko. Ukuba uthetha imali mboleko kwi-akhawunti yakho, unokukwazi ukuboleka iimali ngaphandle kokuhlawula irhafu kwaye ukhuphe nayiphi na isohlwayo xa uhlawula umboleko emva kwexesha. Ukuba imali-mboleko ayiyiyo inketho, unako ukufumana ukuxothwa kweengxaki okanye ukusabalalisa kwangaphambili. Oku kucacile okokugqibela, njengento enokuyihoxisa iya kuhlawulwa, kwaye ukuba uncinci kuneminyaka engama-59 ½, unokufumana isohlwayo esongezelelweyo se-10%.
Thatha inzuzo yoNcedo olufumanekayo
Xa kuziwa kunzima kwezemali, kunokukuncedwa ngaphandle kwakho. Xa kwenzeka ukuba ulahlekelwe ngumsebenzi, unokufumana ilungelo lokungasebenzi. Ukuba umsebenzi wakho uphinde unikeze umthombo wodwa winshorensi yezempilo, qiniseka ukuba ukhangele kwiCOBRA ukuze ubone ukuba unako ukugcina i-inshurensi yempilo. Ukuba walimala emsebenzini, cela malunga nembuyekezo yezabasebenzi. Kwezinye iimeko, unokwazi ukufumana izibonelelo zelizwe okanye zezemfundo ezifana neMedicaid, ukukhubazeka koLuntu, kunye nokunye.
Unceda uncedo lweengxowa ezininzi kule nkqubo ngokubini ngqo nangokungaqondile, ke qiniseka ukuba usebenzise inzuzo xa unelungelo lokufumana. Ukongezelela, xa kuziwa ekulahlekelweni komsebenzi, qiniseka ukuba ukhangele kuluntu lwasekuhlaleni ukuze ubonelele ukubuyela emsebenzini. Uyakwazi ukufumana iindibano zocweyo okanye iiklasi ezinokukunceda ekuqhubekeni kunye kwakhona, ukupholisa izakhono zakho zentetho-ndlebe, kwaye wenze ezinye zokunxibelelana ukuze ufumane umsebenzi.
Ukucwangciswa kweeNkcazo zeMali ezilandelayo
Ukuba uyenzile ngamaxesha anzima kwixesha elidlulileyo kwaye ufuna ukunciphisa impembelelo kwikamva, kukho izinto ezimbalwa ongayenza ukuze uzilungiselele. Qala ngeengxowa-mali zexakeka. Yiyo kanye loo nto ibizwa ngokuba yimali yengxamiseko. Umgaqo omhle wesithupha unokuba neenyanga ezinokubaluleka kweendleko ezibekwa eceleni kwibhankini ukunceda ukuhlawula iindleko ezingalindelekanga okanye ukuhlawula iibhilikhwe ukuba ulahlekelwa ngumsebenzi wakho. Kucacile ukuba, xa ugcine ulondoloze, bhetele uya kuba. Kodwa kwinyanga okanye ezimbini zindleko ezigcinwe phezulu zingakuthenga ixesha elithile xa ufumana izinto emva kwendlela.
Ufuna ukuqwalasela i-inshorensi . Zininzi iintlobo ze-inshorensi yokhuseleko lokukhupha iindleko. Ukuba usengozini ngemoto yakho, ufuna ukuba ne-inshurensi yemoto. Xa ugula okanye ulimele, ufuna ukufumana inshuwalense yezempilo. Kwaye xa kukho umlilo ekhayeni lakho, sinethemba lokuba unabanini bomshuwarensi. Kodwa kukho ezinye iindlela ozikhusela ngayo ngemali. Inkonzo yinshurensi yokukhubazeka inokukunceda ukuba ukhubazekile kwaye awukwazi ukusebenza. Yaye i-inshorensi yobomi inokubonelela ngomlingane wakho okanye nabantwana xa usenokufa.
Ukuba nesicwangciso phambi kokuba iingxaki zemali ziza kuthatha ubunzima obukhulu kumagxa akho. Ukwazi ukuba zeziphi iindleko kunye nendlela oza kuzihlawulela ngayo ziya kwenza imeko ejongene nobunzima kakhulu ukuhlangabezana nayo.