Ngaba usendleleni yokufumana inkululeko yemali okanye ngaba kufuneka wenze i-u-turn? Usenokuba novavanyo lwakho lwangonyaka lonyaka kwaye uthathe imoto yakho kwinkonzo ehleliweyo kulo nyaka, kodwa kuthekani malunga nokuhlolwa kwezimali kwonyaka?
Ukuba ubude uhambo olude, uya kuyeka ngezinye iinkcukacha uze ukhangele kwimephu ukuze ubone ukuba uhamba ngendlela efanelekileyo. Uhlolo lwezemali lonyaka lusebenza ngenjongo efanayo. Ithuba lokuhlolisisa indlela oye wenza ngayo imali kwiinyanga ezili-12 ezidlulileyo uze uqiniseke ukuba usalokhu uhamba ngendlela efanelekileyo.
Ixesha elifanelekileyo lokwenza ukuhlolwa kwezimali kwonyaka ngaphambi kokuphela konyaka ukwenzela ukuba ungasebenzisa inzuzo naziphi na izicwangciso zokulondoloza irhafu, kodwa ukuba awukwazi ukuwufumana ngexesha lexesha leeholide elixakekileyo, cwangcisa ukwenza oko kungekudala emva unyaka omtsha ngokunokwenzeka.
Ukuchonga Iinjongo Zakho
Isinyathelo sokuqala ekuhlolweni kwakho kwezimali sivavanya iinjongo zakho zemali. Ngaba wenze inkqubela phambili kulo nyaka? Ukuba akunjalo, uphilelephi na? Ngaba ungaziqonda isizathu? Ngaba iinjongo zakho zitshintshile phakathi konyaka? Ukuba kunjalo, hlaziywa kwaye ubhale phantsi.
Hlola iinguqu kwiimeko zakho ezizimeleyo
Ngaba utshintsho kwiimeko zakho zenzeke kunyaka odlulileyo okanye ngaba ulindele ukuba kukho utshintsho olukhulu kwixesha elizayo elizayo? Utshintsho lomsebenzi, umtshato, ukongeza umntwana kwiintsapho zakho, ukuhlala umhlala-phantsi, ukuthenga indlu, ukutshata okanye ukuhamba kunokutshintsha ingeniso yakho kunye nendlela ophila ngayo ngokubanzi. Unokudinga ukulungelelanisa uhlahlo lwabiwo-mali, ukuchitha imali, ukulondolozwa kwakho kunye nokutyalomali kwakho.
Ukuba nexesha lokucwangcisa olu tshintsho kwangaphambili kuya kwenza ukuba utshintsho lube lula.
Khusela iAfa zakho
Emva koko, vavanya ukukhuselwa kwezinto zakho. Hlaziya i-inshorensi yomnini-mali okanye umninimzi we-renter, umshuwalense wezempilo, inshuwalense yemoto. Ungakulibala ukukhusela i-asethi enkulu kunazo zonke-ubuchule bakho bokuzuza umvuzo - kunye ne-inshorensi yokukhubazeka kwexesha elide.
Lungiselela ukungalindelekanga
Ukuphonononga ukuthanda kwakho, kwaye xa kusebenza, icebo lakho lempahla. Ingaba kukho na utshintsho olwenziweyo olufuna ukuhlaziywa?
Hlaziya ukusebenza kwakho kweNtengo
Bala ibuyiselo kwiibhanki zakho, iibhondi, okanye iimali ezifanayo. Ngaba unelisekile ngomsebenzi wabo xa kuthelekiswa namanye amatyala? Ukuba awukholelwa ukuba utyalo-mali uza kubuyisela ilahleko zalo, kusenokuba ixesha lokuthengisa iintja.
Hlola iimali zakho
Uyenza njani ekulawuleni nokuhlawula amatyala? Hlola iWebhanti yakho kwiRatio yeNgeniso . Ngaba ityala lekhadi lakho lesikweletu linciphile kulo nyaka? Ukuba akunjalo, lixesha lokufumanisa apho ukuvuza kuqhutyelwa khona kwaye uzame ukuwafaka. Kunzima ukufika kwaye utyalomali xa ininzi yengeniso yakho iya kwiintlawulo zenzalo kumakhadi-mboleko.
Ingakanani inzala kwimali yakho? Ngaba ufanele ucinge ukulungiswa kwakhona? Ncitshulwa encinci kumanani angenza umehluko omkhulu empilweni yakho yokuthenga imali, kodwa kufuneka uqikelele iindleko zokuvala ukuba ubone oko.
Ingakanani umvuzo wakho wekhredithi? Ukuba awuzange ulandele iikopi zakho zamahhala zengxelo yakho yekhredithi , ngoku ixesha elifanelekileyo lokukwenza.
Ukunciphisa Imali Yakho Imali
Eli lixesha elihle lokucwangcisa irhafu yonyaka ozayo. Yintoni ongayenza ukuze unciphise?
Yongeza zonke izithatho zakho ezivumelekileyo uze ubone ukuba unako ukwenza. Ukuphonononga uluhlu lweehlomelo ezivumelekileyo kwaye uqinisekise ukuba usebenzisa nayiphi na into efanelekileyo. Cinga ukutsalwa kwe-bunching kunyaka owodwa okanye ukukhawuleza ukuncitshiswa ngokuhlawula izinto ezinokubanjelwa irhafu kwangaphambili ukukunceda ufike kumda wokunciphisa. Ngokomzekelo, iindleko zonyango zinokuncitshiswa kuphela xa zidlula i-7.5% yengeniso yakho. Ukuba usondele, ukuhlawula ngaphambi kokuhlawula i-orthodontia bill okanye ukucwangcisa ukuhlinzwa okhethwayo ngaphambi kokuphela konyaka kungakugcina imali kwiirhafu.
Hlaziya Iiplani Zakho Zokuhlala
Uyenza njani imali yakho yomhlalaphantsi? Ngaba unika inqaku eliphezulu kwi-401 yakho (k) icebo? Le ngenye yeendlela ezifanelekileyo zokunciphisa irhafu ezikhoyo. Ukuba umqeshi wakho akanalo 401 (k), ngaba unika nawuphi na uhlobo lwesicwangciso?
Ukuba akunjalo, misela i-IRA ngokwakho.
Uyenza njani? Ukuba impilo yakho yezemali ibonakala kakuhle, vuyisana! Ukuba ingasebenzisa umsebenzi omncinci, ubuncinane uyazi apho ufuna ukugxininisa imizamo yakho.