Ngaba Uvakalelwa Kwizikhokelo Ezigidi? Nantsi indlela yokuPhambili
Uhlahlo lwabiwo-mali lukudonsa kwisigidimi esineendlela ezihlukeneyo: lungisa imoto yakho, gcina umhlalaphantsi , hlawula amakhadi akho ekwereta , uthenge isethi entsha yempahla ehlobene nomsebenzi kwaye ulondoloze kwimfundo yekholeji yabantwana bakho .
Unokulinganisela njani le njongo zokugcina imali, zonke ezifuna iimali ezahlukileyo zemali kunye nexesha elithile?
1: Umhlala-phantsi uza kuqala
Makube kucace: akukho nto inomdla obaluleke ngaphezu kokulondoloza umhlalaphantsi wakho.
Uninzi lwabantu luyayihoxisa umhlala phantsi ngenxa yezizathu ezibini-enye, ibonakala ikude, kwaye zibini, zicinga ukuba ziyakwazi ukuqhubeka zisebenza kuma-70 yazo.
Ngelishwa, akusiyo yonke into yokuthatha umhlalaphantsi iyimfuneko yokuzithandela. Ukutyunjwa kweJob, ukubandlululwa kwabasebenzi abadala, ukunyamekela iintsapho kunye nemiba yempilo kunokunyanzelisa abantu ukuba bathathe umhlalaphantsi. Musa ukucinga ngokuthi "umhlalaphantsi" njengokhetho; Cinga nje ngento ekhethekileyo, kodwa ingaba ngumphumo wokungasebenzi kwemisebenzi.
Ukuba umqeshi wakho unikeza "igalelo elifanayo," lisebenzise ngokupheleleyo. Abanye abaqeshi baya kuncedisa iicenti ezingama-50 kwidola ngalinye, ukuya kwisixa esiphezulu, ukuba uncedise kwisikhwama somhlala-phantsi. Abanye abaqeshi banokulingana nedola-ye-dollar.
Le yodwa imeko apho uya kufumana "ukubuya" okuqinisekileyo kutyalo-mali. Khuphukisa igalelo lakho elifanayo, nokuba unetyala lekhadi lesikweletu. Ukuthatha umhlalaphantsi kwakho kuqala.
Ukuba umqeshi wakho akanikeli igalelo elihambelanayo, okanye ukuba sele udibene nomda wakho, okokuqala ingqwalaselo yakho elandelayo ...
2: Ukuhlawula ityala leKhadi leMatyala
Akukho lonke ityala elibi. Kukho izizathu ezicwangcisiweyo zokuba kungani ukhetha ukwenza kuphela iintlawulo ezincinci kwi-interest-down interest, tax-subsidized mortgage or loan loan.
Kodwa ukuba ubambe ityala lekhadi lesikweletu, lihlawule-nangona ukuba amakhadi akho okweleta ngethuba anikezela "i-teaser" inqanaba lentengo yepesenti. Kuphela yimiba yexesha ngaphambi kokuba i-teaser rate levelrockets ibe ngamadidi aphindwe kabini.
Ukuhlawula amakhadi akho ekwerethi kukunika "ukubuyela" okuqinisekileyo, okwenza kube lula ukhetho kunokuba utyalomali imali kwenye indawo okanye ugcine ukuthenga enye into.
I-3: Qala iNgxowa-mali eNgxamisekileyo
Esi sicwangciso sisondelelene naso apha ngasentla: khusela i-matyala kwikharityhulam yengomso ngokusungula i-fund yengxowa-mali . Le ngxowa-mali iya kukunceda uhlawule iindleko ezingalindelekanga njenge-bills enkulu yezobisi okanye iindleko eziphathelene nokulahleka komsebenzi.
Iingcali azivumelani nento yokuba i-fund yakho yexakeka ngayo kufuneka ibe yintoni. Abanye bathi kufuneka babe njengancinci njenge-$ 1,000. Abanye bathi kufuneka ulondoloze iinyanga ezi-3 zeendleko zokuhlala. Nangona kunjalo, abanye baya kwiindawo zokuncoma ukugcina iinyanga ezili-6-12 zeendleko zokuhlala. Into ebaluleke kakhulu, nokuba kunjalo, ubeka eceleni into ethile.
4: Gcina iNgxowa-mali ekulindelekileyo, iindleko ezingapheliyo
Uyazi ukuba ngolunye usuku, uphahla lwakho luza kuvuza. I-dishwasher yakho iya kuphula. Uzakubiza umnxeba. Injini yemoto yakho iya kuqhuma. Uzakufuna amathayi amatsha. Ilitye liya kubhabha kwi-windshield yakho.
Ezi azinjalo "ngeengxaki" okanye "iindleko ezingalindelekanga." Ezi iindleko ezingenakupheka.
Uyazi ukuba ikhaya kunye nokulungiswa kwemoto kuya kufuneka. Awazi nje nini.
Beka eceleni i-fund yezindlu ezingenakukhunjulwa kunye nokulungiswa kwemoto. Oku kwahluke kwi-fund yakho yengxamiseko. Le nto nje yesikhwama sokulondolozwa kweendleko ezingenakwenzeka, ezithintekayo ezenzeka kwixesha elingenamonakalo.
Ngokufanayo, uyazi ukuba uya kufuneka uthenge enye imoto ngemini enye. Ngoko qalisa ukwenza intlawulo yemoto kuwe. Oku kuya kukuthintela ekufuneni ukuxhasa imali yakho elandelayo.
5: Yenza uludwe lweenjongo zokuhlala
Cwangcisa uluhlu lwazo zonke iinjongo eziseleyo onokuthanda ukuzisindisa: uhambo lweentsuku ezili-10 ukuya eParis, i-remodel ye-kitchen-stainless-granite remodel, kunye nezipho zeeholide zabazali bakho.
Kule nqanaba, musa ukumisa ixesha lokuba uzibuze ukuba uza kuhlawula njani oku. Vele ucinge uluhlu.
Emva koko, bhala umhla ojoliswe kuwo ekujoliswe kuzo nganye kwezi njongo.
Musa ukukhathazeka malunga nokuba "yinyani" -uqhubeka ucinga.
6: Tally iindleko
Emva koko, bhala izibalo ekujoliswe kuzo malunga nomgomo ngamnye. Ikhefu lakho lokuphupha eParis libiza i-$ 5,000. I-remodel yekhitshi iya kubiza i-$ 25,000. Izipho zeholide ezihlambulukileyo ziya kubiza i-$ 800.
7: Uhlula
Hlukanisa iindleko zeenjongo nganye ngomhla wokugqibela. Ukuba ufuna uhambo lwama-$ 5,000 ukuya eParis ngaphaya komnyaka owodwa (iinyanga ezili-12), umzekelo, kuya kufuneka ugcine i-$ 416 ngenyanga. Ukuba ufuna i-remodel eyi-25,000 yeekhiyibhile kwiminyaka emibini (iinyanga ezingama-24), kuya kufuneka ugcine i-$ 1,041 ngenyanga.
Kule ndawo, mhlawumbi uyaqaphela ukuba awukwazi ukuhlangabezana nazo zonke iinjongo zakho ngethuba lokugqibela, ngokukodwa emva kokuba uthathe umhlalaphantsi, ukuhlawula amatyala kunye nokwakha ingxowa-mali yongxamiseko, eziziintloko ezintathu eziphambili.
Ngoko lixesha lokuqala ukuhlela ezo njongo. Unokunquma iinjongo ezimbalwa ngokupheleleyo-mhlawumbi awudingi iikhidi ehlaziyiweyo, emva koko. Unokutshintsha kwakhona umhla wokugqibela kwezinye iinjongo-mhlawumbi iParis ngonyaka owodwa awunangqiqo, kodwa iParis kwiinyanga ezili-18 (i-$ 277 ngenyanga) ivakalelwa ngakumbi.
I-8: Yenza okungakumbi
Khumbula: ukuphathwa kwemali kukulingana kweendlela ezimbini. Indlela elula yokunyusa izinga lokulondoloza yakho kukufumana ngaphezulu. Khangela imisebenzi eyongezelelweyo enokuyenza ngexesha lokuhlwa neveki. Gcina zonke iidime ozifumanayo kwimisebenzi yakho yesibili. Kungekudala, uya kuba se-flight ukuya eParis.