Ayikho iNgakumbi kunezixhobo zokufumana imali ephezulu
Kuyamangalisa ukuba uve ukuba ngokwe-US Department of Labor survey, abemi beMerika abacebileyo bachitha imali encinci ekudleni nasekunakekelweni kwezempilo kunezona eziphantsi kwe-10% yabantu abafumana imali. Ngeli xesha, eli qela lityalomali ngaphezu kwe-16% yengeniso yabo kwixesha labo elizayo, elizalisa nge-$ 20 ngonyaka. Amaqela angeniso-mali aphantsi achitha imali engaphezulu kunokuba ayifumana. Nangona kunokuba kungaqondakaliyo ukuba abathengi abacebileyo banokuzithengisa ngemikhwa yabo yokuchitha imali, kunokukwenza abantu bacinge ngendlela yokwenza imilinganiselo yabo yokuchitha imali ukuze bafanisane nalabo abafumana imali ephezulu.
Enyanisweni, oku kungase kube yinqanaba lokuqala kwisicwangciso sakho somhlalaphantsi.
Imithwalo yokuchitha imali yabathengi iyingxenye ebalulekileyo yecalazi xa uzama ukugcina umhlalaphantsi ocebileyo. Kukho neminye imikhwa yabathengi abaye babeka kwindawo efanelekileyo yemali, eninzi enokuyenza imodeli ukudala umhlalaphantsi wakho ocebileyo. Ungakulibali ukuba ukutyeba ngomhlala-phantsi kungaphezulu kwe-akhawunti yebhanki ephilileyo. Kwakhona ngokuphathelele uvuyo kwaye uphilile, uhlala uxakeke, kwaye ube nezinto ezininzi eziphambili.
Iindlela ezi-5 zoMzekelo wokuHlaba umhlala-phantsi
Ukutshintsha isicwangciso somhlala-phantsi sokuncedisa.
Abathathe umhlala-phantsi abaqeshweyo bayazi ukuba baya kudingeka ukuba babale ngaphezu kwezicwangciso zabo zomhlala-phantsi zomhlalaphantsi ukuze baphile ngokukhululekile kwaye bengenakho ukukhathazeka ngokwezimali. Akusenakwenzeka ukuba ucinge ukuba ukuhlala kwiinkonzo zakho zoKhuselo loLuntu kunye ne-401 (k) kunye ne-IRA izilinganiso ziya kunika imali eyaneleyo yokuthatha umhlalaphantsi.
Uphononongo olusandul 'uVanguard olutshanje lubonisa ukungafani phakathi komhlala-phantsi wokuziphatha kunye ne-"entsha". Ngomzekelo wendabuko, imali yokuthatha umhlala-phantsi iqulethwe yintlangano yoKhuselo loLuntu kunye neepensheni zempesheni. Kodwa umzekelo omtsha wokuthatha umhlala-phantsi ubonisa ukuba ingeniso ingenziwa ngenxa yokutshala kwezindlu zangaphandle, i-akhawunti yezo shishino, i-akhawunti ye-investment, i-akhawunti yebhanki kunye nemveliso ye-inshorensi eqinisekisiwe.
Phila ngaphantsi kweendlela zakho.
Kuye kwabonakaliswa ukuba abazuzileyo kakhulu eMelika bachitha imali encinci yengeniso yabo kwikhaya kunabakaki abangenayo abaphantsi. Kungenxa yokuba unako ukufumana indlu yendlu esithethileyo ayithethi ukuba sisona sigqibo esiphezulu kuwe nakwikamva lakho. Ukuhlala kwikhaya elincinci ukuba unakho ukuhlawula ngaphambi kokuba umhlalaphantsi uza kukuqinisekisa inkululeko yemali ongeke uyibethe.
Ukuchitha imali.
Kwakhona, abantu baseMerika abacebileyo bahlala ngaphantsi kweendlela zabo kunye nokugcina imali yabo. NgokweSaveyi yeSebe lezeMisebenzi e-United States njengoko kuchazwe ngasentla, njengoko abathengi baba nempumelelo, imichimo yabo yokuchitha imali idla ngokutshintsha kakhulu.
Idilesi yeDilesi.
Khangela imali yakho njengenkululeko kunye nethuba. Ukuba nemali yokuhlawula amatyala akho kuletha inqanaba elitsha lokuthuthuzela xa uhlala umhlala phantsi kwaye ulungele ukuzonwabisa yonke into eyenziwa ngumsebenzi wakho onzima. Abasindisi bamandla basusa i-20% yengeniso yabo kwi-savings kwaye bahlawula malunga ne-30% kwiirhafu, ezishiya isahlulo semali yokuhlala. Qhubeka uzikhumbuza ukuba injongo yokulondoloza nokunciphisa umthwalo wakho wetyala kukubeka kwisikhundla sokwenza into onokuyifumana kumhlalaphantsi, nokuba uhamba, ukuphishekela ukuthanda kwakho, okanye ukuchitha ixesha kunye nosapho.
Nquma utyalo-mali.
Kuyinyaniso yokuba abaqeshi abacebileyo baneendlela ezahlukeneyo zotyalo-mali kunye nemali engenayo ngokuchasene nezicwangciso zomhlalaphantsi zemveli. Unokuba neengxaki ekunqumeni kwiintlobo zentalo oyifunayo. Ukukunceda, okokuqala, sigqibo malunga nohlobo lobomi othembekileyo ukuba uphile njengoko ufaka umhlalaphantsi. Ngaba ufuna ukulawula izakhiwo zokurenta? Ngaba ufuna ukuqhubeka usebenza ngexesha lesithuba okanye uthatha umsebenzi wokukhululeka? Iimpendulo kule mibuzo ziyakunceda ufumane ezinye zeengeniso ongayifumana njenge-retrati kunye neentlobo zotyalo-mali eziza kusebenza ngendlela yakho yokuphila.
Abathathe umhlala-phantsi baBusier bahlala behlala phantsi.
Ngokukhawuleza, uphando lwama-5 lwabantu abangama-350 ukusuka kumanqanaba onke omvuzo luqhutyelwe ukubonisa ulwahlulo lwendlela ahlukene ngayo ama-brackets engenayo. Uphononongo lufumene ukuba abatyebi bazalise ixesha labo ngezenzo zokuziphucula ngokwabo, ukufunda nokubhala, kunye nokubeka ndawonye uludwe lwemihla ngemihla ukuba bagqibe ubuncinane ubuncinane be-70% ekupheleni kosuku.
Abathathe umhlala-phantsi bahlala bejolise kwizinto eziphambili. Fumana izinto zokuzonwabisa, nwabele abazukulwana bakho, kwaye uzimisele injongo yakho.
Ukuba nobutyebi ngomhlala-phantsi akunakwenzeka, kwaye ngokumisela ezinye iimpawu zokuziphatha eziphezulu ezifumana umvuzo, nawe unokukwazi ukuhamba kakuhle.
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.