Fumana iqabane lakho kwiphepha elifanayo lemali njengawe
Unomdla wokwenza uhlahlo lwabiwo-mali kwaye ulawula kakuhle imali yakho. Umlingani wakho uyabubula ngcamango. Ungenzani?
Abantu abaninzi bayifumana le nkxalabo yonke imihla. Elinye iqabane okanye iqabane lihlala linengqondo, ngelixa elinye lingalunaki imali kwaye lihlekisa ngcamango yokunciphisa ngokukhawuleza.
Ngaba bobabini banokufikelela ngokuvisisana kwemali? Nazi izicwangciso ezimbalwa ezinokukunceda ufumane iqabane lakho okanye iqabane lakho ebhodini ngengcamango yohlahlo lwabiwo-mali.
1. Hlela Injongo Eqhelekileyo
Musa ukuvula ingxoxo ngokuthi, "Hayi, ndicinga ukuba ufuna ukucutha kwi-X." Ingxelo efana nale ifom yeengcamango zokwabiwo-mali kunye nokugcina ngendlela engalunganga. Oku kwenza ulawulo lwezemali lubonakale njengoluhlu lwemiyalelo kunye nokuncishiswa.
Kunoko, vula incoko ngokuthi, "Hayi, makhe sithethe ngezinye zeenjongo esizifuna ukuzifeza kwiminyaka emihlanu ukuya kwe-10 ezayo. Yintoni esiyathanda ukuyenza? "
Ababini kuni kufuneka ube nencoko emide malunga nokuba ubomi bakho obuhle bubukeka bunjani. Musa ukuxoxa ngemali kweli nqanaba - xela nje ngombono. Nazi iimbono ezimbalwa ukuze uqalise:
- Ngaba ungathanda ukuchitha inyanga enye uhamba ngeYurophu kunye?
- Ungathanda ukuthenga isikebhe kunye nokuchitha iinyanga ezimbalwa kwiiCaribbean?
- Ngaba ungathanda ukuhlawula indlu , okanye ukurhweba ukusuka kwikhaya lakho lokuqala lokuqala ukuya kwikhaya elingunaphakade?
- Ngaba ungathanda ukuhlawula imali yakho yonke, okanye uhlawule imali kwi-vehicle yakho elandelayo?
- Ngaba ungathanda ukuba imali yeekholeji yengane yakho ibe yi-$ 25,000 epheleleyo?
- Ngaba ungathanda ukuhlala phantsi ngeminyaka yobudala engama-55, uqalise ishishini lakho, okanye udale intsha entsha yentlangano kwindawo yakho?
Xoxa ngeenjongo zakho ngaphandle kokuchukumisa umbandela wezezimali. Fumana ukuba yimiphi imibono kunye neenjongo zakho ezibini ezabelana ngekamva.
2. Fakela iMilinganiselo yeMali kwiinjongo zakho
Emva kokuba uvumelene kwiinjongo zakho ngekamva, qalisa ingqiqo yemali uze ubhekiselele ekuqikeleleni kwangempela.
I-20% yokuhlawula imali kwizindlu ezingama-200,000, umzekelo, iza kwii-40,000 zamaRandi. Uhambo lwenyanga enye elijikeleze iYurophu abantu ababini bafike kwi $ 4,000 - $ 10,000, kuxhomekeke kwinqanaba lokunethezeka elifunayo.
Ukuhlawula imali ngemoto yakho esilandelayo kunokuhlawula phakathi kwe-$ 8,000 kunye ne-20,000 yee-$, kuxhomekeke kukuphi uhlobo lwesithuthi ofuna.
Ukuthatha umhlala-phantsi kusenokwenzeka ukuba u- 401 (k) unyaka unyaka .
Kule nqanaba, unamanani kwaye unexesha elithile. Ulwahlulo olulula lunokukunceda uqonde ukuba uninzi lwemali oyidingayo ukubeka eceleni nganye inyanga ukuze ufikelele umnqweno wakho.
Ukugcina i-$ 40,000 kwiminyaka emihlanu ezayo, umzekelo, kufuna ukugcina i-$ 8,000 ngonyaka, okanye i-$ 665 ngenyanga. Ukuba ufuna ukugcina le mali ngokuhlawula kwintlawulo ekhaya, ngoku uyazi ukuba uza kuyimfuneko kangakanani ukubeka eceleni nganye inyanga.
3. Thetha malunga nokuSindisa
Ngoku ukuba unomxholo othile wokulondolozwa kwenyanga , kufuneka uxoxe ngendlela yokufumana le mali. Phakamisa ukunciphisa iindleko ezimbalwa, ufumane imali eyongezelelweyo kwicala, okanye udibaniso lwababini ukwenzela ukushaya injongo yakho yokulondoloza ngenyanga.
Iqabane lakho linokuba lukhulu ngakumbi ebhodini ngoku ngenxa yokuba ingxoxo ayinakulungiswa ngokukhawuleza.
Ingxoxo iqulunqwe ngokuthengisa enye indleko kwenye. Unako ukuchitha i-$ 600 ngenyanga udla kwiivenkile, okanye unokufumana imali eyaneleyo yokuhlawula ekhaya kwikhaya elingaphakathi kweminyaka emihlanu. Kwinqanaba lakho langoku le ngeniso, awukwazi ukuba nezo zombini, ngoko unokukhetha ntoni?
Ngokuqulunqa ingxoxo ngokubhekiselele kumashishini kunokubingelelwa, iqabane lakho liyakwazi ukuthobela - ngakumbi xa usebenza ngokubhekiselele kwiinjongo zomlingane wakho ujonge ngazo.
Ukuba ngaba ababini anisigqibo malunga nenjongo yokugxila kuyo, vumela umlingane wakho athethe malunga noko akujongayo. Uyakwazi ukuxelela oko bakuvuyela kakhulu ngophuhliso abaye bazisa rhoqo. Le njongo mhlawumbi bayakuvuyisa kakhulu ukuyigcina.