Isikhokelo sakho sokugcina umhlalaphantsi
Kodwa kukho inkolelo ekhuphisanayo ethi ufanele uhlahlobe umhlala-phantsi ngokusekelwe kwindlela ophila ngayo ofuna ukuyonwabela, kungekhona ingeniso oyifumanayo okwangoku.
Ukucacisa le ngcamango, makhe sicinge ngamabini emibini.
UAdam no-Alison: Umhlalaphantsi olula
UAdam noAlison bahlala phantsi. Akukho nanye kubo eyenza imali engenayo. Bafumana imali kwimpesheni yabo, 401 (k) ukuhoxiswa, kunye noKhuseleko loLuntu. Amakhaya abo kunye neemoto ziyahlawulwa ngokupheleleyo, kwaye abanakho matyala .
Bahlala ngokulula. Uninzi lwasemini badla isidlo ekhaya, kwaye banandipha imisebenzi engabizi ezinjengegadi, ukubetha, ukudlala kunye nabagadi babo kunye nokuhamba inja.
UBob noBarb: Umhlala-phantsi othakazelisayo
UBob noBarb nabo bahlala phantsi. Akukho namnye kubo ovelisa imali engenayo, kwaye njengoAdam no-Alison, bafumana imali kwiipenshini zabo kunye no-401 (k). Amakhaya abo kunye neemoto ziyahlawulwa, kwaye abanakho matyala.
Zihlala zikhulu kumhlalaphantsi. Badla kwiivenkile. Bayakujabulela ukuhamba ngomkhumbi, igalofu, kunye ne-tennis. Bakho ikhaya lesibini kufuphi nolwandle, kwaye bayakujabulela ukuhamba phesheya.
UCarl noCathy: Ukusebenza kwiRhafu yokuThabisa
UCarl noCathy bathathe umhlalaphantsi emsebenzini wabo oyintloko, kodwa bobabini basasebenza.
Abayidingi ingeniso - banemali eyaneleyo yokuhlala ngokukhululekile ngokusekelwe kwindleko yabo-kodwa bayakujabulela ukusebenza.
Ubanika ukwaneliseka kunye nenjongo, kwaye xa bengasebenzi, bavame ukuziva bexhalabile kwaye bacinezelekile. UCarl ubhala inveli, ngoxa uCathy eqhuba ishishini lokungena kwi-intanethi. Bafumana ingeniso eyongeziweyo kwimisebenzi yabo, eyongezelela imali yokugcina umhlalaphantsi.
Nangona kunjalo, baxakeke kakhulu emsebenzini wabo; abanaso ixesha lokuyisebenzisa. Benza imali yokugcina imali ngaphezu kokuba bayakwazi ukusebenzisa.
UDerek noDebbie: Ingeniso encomekayo kuMhlalaphantsi
UDerek noDebbie bamise imilambo yeholo engenayo xa bebancinci. Ngoku izindlu zabo zokuqashisa, iirhafu, igalelo, kunye nenzuzo yengeniso kubonelela ngokwaneleyo ukuba bathathe umhlalaphantsi ngokukhululekile.
Ukuthatha umhlala-phantsi, nangona kunjalo, unomsebenzi wokulawula le miithombo yengeniso. Ngokuqhelekileyo bafumana bephethe amaqela abagcini beencwadi, abaphathi bepropati kunye nezandla zokulungisa abagcina ukutshala imali kwabo.
Ukuphila komntu wonke kuLuhlu lomhlalaphantsi luhlukile
Yiyiphi inqaku la mabali amane? Umhlala-phantsi omhle ngamnye uhlukile.
Abanye abantu banelisekile ubomi obulula, ubomi obunokuthula. Abanye bafuna ukunandipha ukuhamba kwehlabathi, izinto ezithandwayo, amayeza amahle, ukuphucula amakhaya abo nokuzama imisebenzi emitsha.
Abanye abantu baphoqelelwe ukuba basebenze ngenxa yokuba abanakho ukuhlawulela imali yabo, kodwa abanye bakhetha ukusebenzela ukuzonwabisa kunye nokwaneliseka, nangona bengenayo imbuyekezo.
Iseluleko somhlala-phantsi seMveli siLawula
Iingcebiso zomhlala-phantsi zemveli zichaza i-formula: gcina ipesenti ezili-10, okanye iipesenti ezili-12, okanye iipesenti ezili-15 zomvuzo wakho wangoku umhlalaphantsi .
Kodwa loo ngcebiso yolawulo-ye-thumb ayiqwalasela uhlobo lomhlalaphantsi onethemba lokuba nalo. UAdam no-Alison banelisekile ukuhlala ngokulula. Banelisekile ukupheka ukutya kwabo, ukucoca ikhaya labo, nokudlala nabazukulwana babo.
Ukuba uceba ukuhlala njengesi sibini, akudingeki ukuba uhlahlo-lwabiwo- 15 kwipesenti yakho yerhafu emva kokuthatha umhlalaphantsi, ngaphandle kokuba uqalise ukusindisa kamva ebomini , ufuna ukushiya ifa kubantwana bakho, okanye ufuna umxhasi oqinileyo xa kunokwenzeka.
Ngesinye icala, isibini esifana noBob noBarb, sithanda umdlalo wokuya eItaly, ukudlala igalofu, ukuthatha izifundo zobugcisa nokuhamba kwidolophu yase-beachside. Ukuba ufuna ukuhlala njengesi sibini, mhlawumbi kufuneka uhlalutye ngaphezu kweepesenti ezili-15 ukuya kumhlalaphantsi.
Yaye ukuba uthe wafaka imifudlana engenayo engenayo, njengoDerek noDebbie, unokuba ungadingi ukukhupha umnikelo wakho we-401k unyaka ngamnye.
Umthetho we-25
Ngoko yintoni umgaqo omnye wesinye isithupha?
Bonisa indlela ofuna ukuyisebenzisa ngayo, ngonyaka, ngomhlalaphantsi. Yandisa ukuba ngo-25 . Yiloo nto ufanele ukuyigcina ngayo kwi-akhawunti yakho yomhlalaphantsi.
Ngamanye amazwi, qinisa iinjongo zokulondoloza i-akhawunti yakho yomhlala-phantsi kwiindleko zakho, kungekhona ingeniso yakho.
Khumbula: oku nje ngumgaqo jikelele wesithupha. Iimali zomntu siqu - kakuhle Isixa oza kusidinga ngomhlalaphantsi sincike kwizinto ezininzi ezibandakanya amanqanaba akhotyala, abaxhomekeke kuyo, impilo yakho, ixesha lokuphila kwakho, uxanduva lwakho lwerhafu, iimfuno zakho ze-inshorensi kunye nezinye izinto.