Ukunciphisa Iindleko Zakho Unokunika Indlela Eyona Nenjongo Yokuthatha Umhlalaphansi
Ukwesaba nokungaqiniseki kunokuba ngumqhubi weemvakalelo ngexesha loqhagamshelwano lomhlalaphantsi.
Ngokwe- 2015 ye-US State Employee Pretirement Report ingxelo evela kwi-Financial Finesse, kuphela i-29 ekhulwini yabantwana abaneminyaka engama-55 ukuya kuma-64 bayabonisa ukuzithemba ukuba baya kuba neenkokhelo zokutshintsha indleko zabo zangoku ngexesha lokuthatha umhlalaphantsi.
Ukuba uceba ukwenza umhlala-phantsi kwiminyaka eli-10 okanye ngaphantsi kufuneka ube sele uqhuba ukubalwa komhlalaphantsi okungundoqo kanye kanye ngonyaka ukuze ubone ukuba imali yakho yokugcina umhlala-phantsi iya kukwanela ukuhlangabezana neenjongo zakho zokufumana umhlalaphantsi.
Ukudalwa kwesicwangciso-mali sokuthatha umhlala-phantsi kucetyiswa ukuba uneminyaka emihlanu okanye ngaphantsi kwexesha lakho lohlawulo lwemali. Ukuba awukho emgceni, kufuneka ufumane iindlela zokwandisa ingeniso yakho ngokugcina ngaphezulu, usebenze kamva ebomini kunokuba uyifunayo, utyalole ngokugqithiseleyo, okanye uvelise ingeniso eyongezelelweyo kwimali yomhlala phantsi ngezinye iindlela (umsebenzi wexeshana, ukubuyisela imali , ingeniso yerenti, njl.).
Enye inketho yokukhawulela i-gap ye-cash flow flow to withdraw is to reduce your cost plans.
Sivame ukucinga ukunciphisa ikhaya lethu njengomncedisi wemali yokuthatha umhlalaphantsi, kodwa kukho ezinye iindlela zokunciphisa indlela yokuphila enokuthi iphumelele.
Ukuba ucinga ngokunciphisa imiba eyahlukeneyo yobomi bakho bezezimali ngaphambi okanye ngexesha lokuthatha umhlalaphantsi, nakhu ezinye izinto oza kuziqwalasela:
Faka isicwangciso sakho sokuchitha umhlala-phantsi kwiimvavanyo. Okokuqala, qiniseka ukuba uhlahlo lwabiwo-mali okanye isicwangciso sendawo yokusebenzisa imali kwaye ubeka isicwangciso sakho ngokubhala.
Oku kuya kufeza izinto ezimbalwa. Ukwazi apho imali yakho iya khona namhlanje kuya kukunceda uqikelele iindleko zakho ezicwangcisiweyo ngexesha lomhlalaphantsi. Enyanisweni, kufuneka uzame ukwenza okungakumbi ngokubala kwakho komhlalaphantsi kunokuba uzama ukutshintsha ipesenteji ethile yemali yakho yangoku engenayo. Yakha isicwangciso-mali sokuthatha umhlala-phantsi ukuba uqikelele iindleko okulindele ukutshintsha ngexesha lomhlalaphantsi ukuze ube nenani leedola elibekelwe injongo yakho yengeniso. Enye inzuzo yokugqibela yokubeka uhlahlo lwabiwo-mali ukuhlola apho unokukhulula enye idola eyongezelelweyo namhlanje ukunyusa imali yakho yokuhlala umhlalaphantsi. Uza kunika iqanda lakho lokuthatha umhlalaphantsi inzuzo efunekayo kakhulu kwaye unciphise iindleko zexesha elizayo ngexesha elifanayo.
Ukujongana nemiba yezempilo ngoku. Ukuba ukhathazekile ngokunyuka kweendleko zonyango ungeyedwa. Unokunciphisa iindleko zempilo ngaphandle kwee-pocket xa uthatha amanyathelo okugcina ngcono impilo yakho yonke. Ukulawula iimali zomntu siqu kufana nokulawula impilo yakho yonke kunye nokuphila kakuhle. Ininzi kuthi siyazi ukuba yintoni enokuyenza, kodwa inxalenye enzima ithatha inyathelo kwaye ilandele amanyathelo afunekayo ukuphucula phambili impilo yethu nenhlalakahle. (Jonga iindlela zokuTondoloza kwiindleko zezeMpilo kwiMhlalaphantsi)
Nciphisa iindleko zakho zokuthutha. Ukuba ukwenza iintlawulo zeenqwelo zezimoto kulo lonke uninzi lomsebenzi wakho mhlawumbi ucinga ukuba iintlawulo zeemoto ziyinto nje yobomi.
Ewe, kuyinyaniso ukuba abaninzi bethu badinga imoto ukuba bafike emsebenzini okanye balawulwe rhoqo imihla ngemihla. Nangona kunjalo, ukuba imbali yakho yokuthenga imoto iquka ukutshintsha isithuthi sakho yonke imitha emi-3-5 ngemoto entsha yegama elithile unokuba ungeze iindleko ezongezelelweyo kwisicwangciso sakho somhlalaphantsi. Ukuthenga izithuthi ezithembekileyo ezisetyenzisiweyo nokuseka isikhwama sokutshintshwa kwemoto ngaphambi kokuthatha umhlalaphantsi zicwangciso ezingezinye zokuqwalasela.
Ukuthintela amatyala amatyala. Ukuba unetyala eliphezulu lomthengi (amakhadi ekweretheni, iimali-mboleko zemali) ngokuqhelekileyo kunokwenza uqikelele ukuhlawula eli matyala ngeyadola eyongezelelweyo kwisicwangciso sakho sokuchitha. Enye into ebalulekileyo xa ukulindela ukukhula kotyalo-mali lwakho ukuba luphakame kunomdla ohlawula ityala. Ngokuqinisekileyo, ukubuyela kweemali kunye nokuthengiswa kwempahla yebhanki akuyi kuza naziphi na iziqinisekiso kodwa umdla ogcinwe kwisicwangciso sokunciphisa amatyala siqinisekisiwe.
Gwema isilingo sokusebenzisa isamba sokurhoxiswa kwi-akhawunti yakho yomhlalaphantsi ukuhlawula ityala eliphezulu. Iirhafu zerhafu eziza kuhlawulwa zidla ngokuphindaphindiweyo ngamaxesha amaninzi kunomdla osindayo ukusuka kule mali.
Ukuhlawula ngokukodwa imali yakho yokuthenga. Ngokuqhelekileyo, kuyisimo esilumkileyo sokwemali kwixesha lakho lokufumana umhlala-phantsi ngemali yakho yokuthatha umhlalaphantsi. Nangona kunjalo, ngezinga lentengo kwiimilinganiselo eziphantsi kwamandulo esi sigqibo asilula lula kwabanye abantu ukuba benze. Oko kuthethwa, ngeendleko zezindlu njengenye yezintlu ezinkulu zentlupheko yokuchitha umhlala-phantsi kunokuba luncedo ukuba ube yi-mortgage-free.
Ukuphonononga kwakhona i-inshorensi yakho. Ezinye iindleko ezifana nokunyamekelwa kwexesha elide kunye ne-inshorensi yempilo iya kuhlala iyimfuneko kwiminyaka yakho yomhlalaphantsi. Nangona kunjalo, ezinye iimfuno ze-inshorensi zingancitshiswa okanye zipheliswe emva kokuba uthathe umhlalaphantsi. Njengoko umhlalaphantsi usondela, fumana uvavanyo olujoliswe kwi-inshorensi yakho yobomi bomshuwalense. Ngokufanelekileyo lo vavanyo luya kwenziwa ngumqeqeshi wezemali ongahlawulwanga ukucebisa omnye umkhiqizo ngokumelene nomnye okanye unomdla kwimali ekuqhubekeni ukwenza iintlawulo ze-premium.
Gwema inkokhelo yemboleko yezikolo ngaphambi kokuba uthathe umhlalaphantsi (ngaphandle kokuba umhlala-phantsi wakho usendleleni). Ukuba unomuzwa wokuthi akukho nenye indlela yokuxhasa iindleko zemfundo yengane yakho - cinga kwakhona. Unokuboleka kwimfundo yengane yakho kodwa kungekhona umhlalaphantsi wakho. Kodwa oku akuthethi ukuba kufuneka uthabathe imali. Ukuba wenza, lungela imiphumo. Ukuba umboleki wesikolo somfundi awukwazi ukuphetshwa, zama ixesha lokufumana umvuzo wakho ngomhlalaphantsi.
Funa iingcebiso ngaphambi kokuba wenze izigqibo ezibalulekileyo. Ukunciphisa kufuneka kuhlale kubonwa njengenkqubo eqhubekayo efunekayo ngexesha lokusebenza kwakho kunye nomhlalaphantsi. Khangela nje njengethuba lokujonga imali efunekayo njengoko uzama ukufumanisa iindleko nemikhwa ebomini bakho onokutshintsha. Ukuba usebenza neengcali zezemali, qi ni sekisa ukusebenzisa umsebenzi wakho wokunciphisa ukukhumbuza ukubeka isicwangciso sokuphelisa amatyala kwaye uqhubekele ukukhangela ezinye izinto ezibalulekileyo zomhlalaphantsi ezifana nokulondolozwa, ukutshala imali kunye nokucwangciswa kwempahla.
Thatha ixesha ukuchaza oko "umhlalaphantsi" kuthetha ntoni kuwe. Ukunciphisa kuneenzuzo kunye kwaye akuthethi ukuba kufuneka udibanise iinjongo zakho ezibalulekileyo zokuthatha umhlalaphantsi. Ukuze wenze isigqibo esilungileyo xa unciphisa iindleko zakho kufuneka ube nokuqonda okucacileyo kweenjongo zobomi bakho, iimpawu kunye nombono wekamva. Ukuphononongwa ngokubanzi kweendlela zakho kunokukuvumela ukuba uchaze ngakumbi ukuba yintoni inkululeko yemali ekuthethwa ngayo kuwe. Le nkqubo yokunciphisa inokukunika indlela ecacileyo yokufikelela kwindawo leyo yokuthatha umhlalaphantsi kungekudala kunokuba kulindelwe.