Fumana i-Gap, Gcwalisa i-Gap, kwaye uhlalutye iiNombolo
Indawo yokuqala ukuqala kukubalwa kwezibalo. Ukusebenzisa i-calculator yomhlalaphantsi ngokusekelwe kwingeniso yakho yangempela, kunokuba umlinganiselo ophakanyisiweyo, unokukunceda ukuba ufumane uhlobo lobomi obufunayo kumhlalaphantsi kunye nendlela impatho yakho yomhlalaphantsi ifuna ukubonisa ngayo loo nto. Ungasebenzisa kwakhona i-calculator 401 (k) ukuba ubone indlela iimali zakho eziza kuqhubeka ngayo xa ulungiselela umhlalaphantsi.
Fumana isikhala uze ugcwalise isithuba
Ngoku ukuba wenze izibalo zakho kwaye unamanani okwenyani ukubheka, sekuyisikhathi sokufumanisa i-gap uze uze nesicwangciso sokuzalisa igebe. Ikhefu libhekisela kummahluko phakathi kwemithombo yakho engenayo engenayo kunye nenkcitho yakho yenyanga. Le ngxakano engapheliyo uya kuyidinga ukuyizalisa, kwaye liyimali eya kufuneka ihlengahlengiswe ngaphezu kwexesha ngenxa yokunyuka kwamaxabiso. Xa uthatha umhlalaphantsi uya kufuna ukufumana indlela yokwenza iqanda lakho lembande ukuvelisa umgca wokufumana imali onokuzizalisa le galeko ngaphandle kokusebenzisa imali ngokutyalomali lwakho.
Indlela yokugcwalisa ikhefu kukuqala ukuqokelela iinombolo kwaye ucinge ngezinto ezichaphazela loo manani kunye nokonga kwakho. Uluhlu olungezantsi lubonisa izinto ezinhlanu oza kuzenza, kodwa khumbula ukuba kukho ezininzi.
1. Umsebenzi wesikhathi sengqesho. Ukuba uceba ukususa umhlala-phantsi, ngoko useneminyaka eyaneleyo ukuba uqhubeke usebenza.
Ukusebenza ixesha-nxalenye yindlela enhle yokwenza imali engaphezulu yokulondolozwa kwakho kunye nokukhusela ukuba ungabikho ukugcina imali yakho yomhlalaphantsi. Abaninzi abahlala phantsi baye bavakalelwa kukuba ukusebenza ixesha-nxaxheba kwongeza umgangatho wobomi. Ukuba ufumana umsebenzi wesikhathi esithile ensimini uyayithanda, unokuyonwabela ukugcina ingqondo yakho isebenze kwaye ixhase ngokwakho i-dollar yakho yomhlalaphantsi ikhula. Abanye abahlala phantsi bathabathe ukuthabatha iiprojekthi zengxoxo zengxowanxaxheba. Ukubonisana kuyindlela enhle yokuhlawulelwa ezinye zezinto ezifanayo ulungeleyo ngaphambi kokuba uthathe umhlalaphantsi.
2. Akukho mboleko. Indlela enkulu yokulawula iindleko zakho kukuhlawula imali yakho. Ukufumana ikhaya lakho likhululekile kwaye kucacise nje kukunika uxolo lwengqondo, kodwa kunika kwakhona uhlahlo lwabiwo-mali lomhlalaphantsi. Umgaqo wam oqhelekileyo wesohlwayo kukuhlawula imali yakho yokubolekisa imali xa unokwenza oko ungasebenzisi ngaphezu kwesithathu kwisabelo sakho sokungabikho komhlalaphantsi. Ukuba awuqinisekanga ukuba ungaqala kuphi, nqakraza apha ngeendlela ezine ezivivinyayo nezinyaniso zokuhlawula imali yakho.
3. Unonophelo lwezempilo. Ngeke uvumeleke kwi-Medicare de ube uneminyaka engama-65, ngoko ke ukuthatha umhlalaphantsi kwindlela yokuqala ukugcina unonophelo lwakho lwempilo engqondweni. Uya kufuneka ukhangele umgaqo-nkqubo wangasese xa ungasasebenzi ukunyamekela iimfuno zakho zonyango uze unyathele i-Medicare yakho.
Unokujonga kwakhona kwezinye iindlela ezifana nokunakekelwa kwexesha elide. Ukunakekelwa kwezempilo kuyahluka ngokuxhomekeke kwiminyaka yakho kunye neenzuzo, ngoko uhlole zonke iinketho zakho.
4. Imirhumo, i-Savings, Life (TSL). Uya kufuneka uqikelele ukuba ungakanani imali ochithayo kunye nokuba ungaphila. Ukusebenzisa isicwangciso se-TSL yindlela enhle yokwenza oku. Ukwahlula imali yakho kwiintlobo ezintathu: irhafu (30% yengeniso yakho yonke); ukugcinwa (20% ukuya ku-401 (k) okanye ukuhlawula ityala); kunye nobomi (50% yezindlu, ukutya kunye nezinye iindleko). Oku kuya kukuvumela ukuba uhlale kwisiqingatha semali yakho ngenyanga nganye, ukudala iqela elihle kakhulu leqanda lakho lomhlalaphantsi.
5. U qeqesho. Ukuthatha umhlala-phantsi kusenokwenzeka, kodwa kungekhona ngaphandle kokusebenza nzima kunye noqeqesho. Ukubona umfanekiso obalulekileyo kubalulekile, ngoko gcinani engqondweni ukuba ufuna ukuthatha umhlala-phantsi ukuba ukhangele njani njengesizathu sokwenza izigqibo ezilungileyo ngoku.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo 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. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.