Uya Kufuneka Unyuke Kangakanani KwiiNgxowa Zakho?
Ukuba wena kunye neqabane lakho nifumana imali eyi-100 000, umzekelo, kufuneka uceba ukugcina imali eyaneleyo yokufumana i-$ 75,000 ukuya kwii-85,000 zamawaka ngonyaka xa uthatha umhlalaphantsi.
Kodwa kungekudala, lo myalelo wesohlwayo ubizwa ngokuba ngumbuzo. Iingcali zemali zomntu ngoku zithi i-EXPENSES yakho, ingenayo ingeniso yakho, kufuneka ikhokelele isicwangciso sakho somhlalaphantsi.
Esikhundleni sokukhetha inani elingenakunqwenela elisekelwe kumvuzo oye waxoxisana nomphathi wakho okhoyo, bathi, kufuneka ufumane ukuba ufuna imali engakanani ukuhlala kuyo ngonyaka ngamnye ngexesha lomhlalaphantsi. Emva koko phinda ngo-25 . Yimalini oya kuyidinga ukuyilondoloza.
Ukuba wena kunye neqabane lakho ninqumla ukufuna ukurhoxisa i-$ 40,000 ngonyaka ukusuka kwiphothifoliyo yakho yokuthatha umhlalaphantsi (ukwenzela ukuxhaswa koKhuseleko lweNtlalo ), umzekelo, uya kufuna ixabiso lepottoliyoni eyi-$ 1 yezigidi xa uthabatha umhlalaphantsi. Ukuba wena kunye neqabane lakho nifuna ukuhoxisa i-$ 80,000 ngonyaka, uzakufuna i-$ 2 yezigidi.
Ukusekela injongo yakho yokugcina umhlala-phantsi kwiindleko zakho zonyaka-kulindelekileyo kunokuba uhlawule umvuzo wakho wonyaka - wenza umqondo omkhulu. Ndiyakuxhasa le ndlela kwaye ndikholelwa ukuba inqumle umgaqo wendabuko wesithupha onokugxininisa kwiholo lakho.
Ewe, kukho enye into ebalulekileyo yokwenza le ndlela isebenze. Kumele ube nokukwazi ukuqikelela ngokuchanekileyo ukuba uninzi lwemali oya kuyidinga unyaka ngamnye kwiindleko zakho zokuhlala xa uthatha umhlalaphantsi.
Ungayifumana njani le nto?
Inyathelo lokuqala: Khangela i-Your Current Expending
Hlola indlela ochitha ngayo imali ngonyaka. Leyo yindlela yokuqala yokuqala. (Awuyazi impendulo? Ezi phesheya zinganceda.)
Inyathelo lesibini: Zibuze le mibuzo:
- Ngaba unabantwana abaya kuxhomekeka kuwe ngenxa yemali emva kokuthatha umhlalaphantsi? Cinga ngeendleko zokubathumela ekolishi kwaye mhlawumbi uncedise inkxaso kwabo kwisikolo esiphumeleleyo. Cinga ukuba mhlawumbi baya kukubuza ukuba bangababoleka imali yokuthenga imoto, indlu okanye intsimbi yokubandakanya. Ngaba uceba ukuhlawula umtshato wabo? Ezi zingongeza kwiindleko zakho zomhlalaphantsi.
- Ngaba wena kunye nomlingane wakho uphila kakuhle? Ngaba unayo imbali yentsapho yeemeko ezinkulu zonyango ezinokuba zibiza? I-Medicare ilawula ezinye iindleko, kodwa abadala bahlawula i-e-pocket ngeendleko ezithile. Ukongezelela, "iindleko zonyango" ezinjenge-retro-ukulungelelanisa ikhaya lakho ukuba unesihlalo sabakhubazekile zingabiza imali.
- Ingaba unetyala, njengemali yekhadi lesikweletu, imali-mboleko yemoto okanye imali mboleko?
- Ingaba i-home mortgage yakho iya kuhlawulwa ngokupheleleyo xa uhlala phantsi?
- Iipropati zakho zepropati kunye nabanini benshurensi?
- Ngaba wena okanye lakho iqabane libazali asebekhulile abangafuna uncedo lomzimba okanye lwemali?
- Ngaba unabantwana bakowenu okanye abazala babo abangafuna uncedo?
Yongeza ezi xabiso eziqikelelweyo kwibhajethi yakho yangoku. Ukuhlawula iindleko zexesha elilodwa. Ukuba uceba ukuhlawula i-$ 20,000 kwimitshato yomtshato wakho, umzekelo, ucinga ukuba iindleko zakho zonyaka zokuhlala umhlala-phantsi ziya kuba, ngama-2,000 ngonyaka ngonyaka ophezulu ngaphezu kwezinto ezikhoyo.
Ukukhupha nayiphina iindleko kwi-bhajethi yakho yangoku xa kuyimfuneko. Ukuba uhlahlo lwabiwo-mali olukhoyo luquka ukuhlawula imali , ungathatha inqununu kunye nenxenye yenzalo yebhanki yakho yokubambisa imali kwiindleko zakho zomhlalaphantsi ezilindelekileyo. Ungakulibali ukufaka iindleko zerhafu yepropati kunye nabanini-bhorensi basekhaya!
Ekupheleni kweli nyathelo, kufuneka ube nenani elibonisa indlela oza kuchitha ngayo unyaka ngamnye xa uhlala umhlalaphantsi.
Inyathelo lesithathu: Bala i-Social Security yakho kunye neNgeniso yePensheni
Abangaphantsi kweyesithathu kwabasebenzi bamaMerika bafumana ipenshoni. Ukuba ungowomnye onenhlanhla, cela umqeshi wakho ukuba uzakufumana phi. (Isebe loLuntu ngeyona ndawo yindawo efanelekileyo yokuqala ukubuza).
Ukhuseleko lwezeNtlalo likuthumelela ifomu kanye ngonyaka ekwazisa ukuba unelungelo lokufumana umhlalaphantsi, ngokusekelwe kwiminikelo yakho yangoku. Jonga kule fom ukufumana ukuhlawulwa kwakho okulindelekileyo. Ukuba awukwazi ukufumana ifom, ukuba ungowokusebenza kwabasebenzi, sebenzisa uqikelelo kwiwebhusayithi ye-Social Security website.
Inyathelo lesine: Ukukhupha nokukhupha
Ukukhupha umvuzo wakho kunye neNtlalo yeNgeniso yengeniso kwiindleko zakho zonyaka.
Ukuba unayo nayiphi na imithombo yemali engenayo yomhlalaphantsi, njengenzuzo evela kwiindawo zokuqashisa, izibonelelo okanye izibonelelo, zithatha le nto kwakhona.
Imali eseleyo yimalini oya kuyidinga ukuyihoxisa kwi-portfolio yakho. Yandisa le nombolo nge-25. Yiyo indlela enkulu ngayo iphothifoliyo yakho.
Nasi umzekelo:
Iindleko zemivuzo yoLindleko: i-$ 65,000 ngonyaka
Ingeniso yePensheni kunye neNhlalakahle yeNhlalakahle: i-$ 30,000 ngonyaka
Ingeniso yeNtlawulo yeNdawo yeNtengiso: i-$ 5,000 ngonyaka
I-Formula: i-$ 65,000-$ 30,000-$ 5,000 = $ 30,000. Le yimali, ngonyaka, kufuneka ihoxiswe kule posifoliyo yomhlalaphantsi.
I-30,000 x 25 = $ 750,000 yephothifoliyo yomhlalaphantsi efunekayo.
Ngoko yintoni inombolo yakho?