Uhlahlo lwabiwo-mali
Kwinqanaba elisisiseko sezemali , ujongene nohlahlo lwabiwo-mali; wenza imali uze uchithe loo mali.
Nangona ungazange udale uhlahlo lwabiwo-mali oluchanekileyo nolubhaliweyo uyaqhubeka uhlahlo lwabiwo-mali nsuku zonke. Xa ujongene nokuchitha imali kwizinto ocinga ngazo kwaye uqaphele ukuba ngokusebenzisa imali leyo awuyi kukwazi ukuyichitha imali enye kwenye into.
Ingxaki ebangelwa ukungabi naluhlahlo lwabiwo-mali olucacileyo kukuba sijamelene nezigqibo ezininzi zezimali , akunakukwazi ukugcina umkhondo kunye nokukhumbula konke. Oku kungabikho kokuqonda kunokukhokelela ekugqithiseni imali, iingxaki zematyala okanye ukungakwazi ukucwangcisa ngokwaneleyo ikusasa lakho.
Xa udala uhlahlo lwabiwo-mali uqala ukubona umfanekiso ocacileyo wemali enayo, yintoni oyichithayo kunye nokuba ungakanani, ukuba naluphi na oseleyo. Emva kokuba ubone ukuphuma kunye nokuphuma kwemali yakho unokukwazi ukwandisa iindleko zakho ukwenzela ukuba izinto eziyimfuneko ziyakuthi zikhutshwe ngelixa uzibuyisela imali echithwayo eyokukuvumela ukuba ugcine imali.
UkuNciphisa iindleko
Emva kokuba udale uhlahlo lwabiwo-mali ungaqala ukubona apho iindleko zifuna ukuncitshiswa ukuze uhlangabezane neenjongo zakho. Kwabanye abantu, oku kuthetha ukutya ngaphandle kunye nabanye, kunokuthetha ukuphelisa eso sithuthi esongezelelweyo. Kungakhathaliseki ukuba yintoni imeko, wonke umntu unendawo okanye ezimbini apho imali ingasindiswa ngokunciphisa iindleko ezithile.
Ukuphuma Kwetyala
Ngaphandle kokudala uhlahlo lwabiwo-mali kunye nokunciphisa iindleko ezingenasidingo unokuba usenokufumana ityala elide ukulilahlela. Ukunyuka kwemali, okanye ukusebenzisa ityala kunye nokuthatha ityala ngokwalo akuyona into embi kodwa kukho iintlobo ezimbini zamatyala: amatyala amatyala kunye netyala elibi.
Xa uboleka imali yokuthenga ikhaya uthabatha ityala elininzi, kodwa ixabiso elincinci lokuthenga kunye nokuthengwa kwexabiso elingakongeza kwindleko yindlela efanelekileyo yamatyala. Ngakolunye uhlangothi, xa usaya kwivenkile uze ube ne-spree shopping usebenzisa ikhadi lakho lekhredithi elinomyinge we-interest rates wama-24% ngaphandle kokuhlawula ngokugcwele ngokukhawuleza ityala elibi .
Ukuphuma kwetyala akumele kube nzima kodwa kubalulekile ekufikeleleni kwimeko yokuzimela kwemali . Into yokuqala yokwenza xa ufumana ityala lakho kukuhlawula ngaphezu kweyona ntlawulo yenyanga . Ukuba uhlawula ubuncinane ubuncinane inyanga nganye uya kuthatha amashumi eminyaka ukuba abuyisele ityala kwaye uhlawule imali encinci inzala. Xa uhlawula ngaphezu kokuncinci kufuneka ubheke ukunciphisa umlinganiselo wakho wenzala. Izinga lentengo ephakamileyo liya kuphuma phantsi kwetyala kunzima nakakhulu.
Ukulondoloza umhlalaphantsi
Ngenkampani ezimbalwa ezinika izicwangciso ezipheleleyo zempesheni kunye nokungaqiniseki koKhuselo loLuntu, kubaluleke kakhulu kunanini ngaphambili ukugcina nokucwangcisa umhlalaphantsi wakho.
Ngelishwa, abaninzi abantu banomuvo wokuthi abanalo imali eyaneleyo eseleyo nganye ngenyanga.
Ukugcinwa komhlala-phantsi kufuneka kube yinto ephambili kunokuba ilandelwe. I- Internal Revenue Service iye yenza ukulondolozwa kwemali yomhlala-phantsi kunokuba ikhangele ngee-akhawunti ezikhethekileyo zerhafu ezifana nomqeshi 401 (k) izicwangciso, ii-akhawunti zomhlalaphantsi kunye neengxelo ezikhethekileyo zomhlala-phantsi zabasebenzi abazisebenzayo. Ezi zivumela ukuncitshiswa kweerhafu , iikhredithi kunye nemali engenayo irhafu kwi-retirement savings.
Ingaba uvele ngaphandle kwekholeji kwaye uneminyaka engama-40 kude kube ngumhlalaphantsi okanye uceba ukuhlala umhlala-mali ozayo kunyaka ungalindelekanga ukucwangcisa nokwandisa ukugcinwa kwakho komhlalaphantsi .
IInshshu
Ngoko udale uhlahlo lwabiwo-mali, uchithe iindleko, ukhuphe i-credit card yakho kwaye uqalise ukugcina umhlalaphantsi, ngoko ke nonke nisetyenzisiweyo, kunene?
Ngokuqinisekileyo uye wahamba indlela ende kodwa kukho enye ebalulekileyo ebalulekileyo kwimali yakho ekufuneka uyiqwalasele.
I-inshurensi ibalulekile kuba usebenze kanzima ukwakha unyawo oluzinzileyo lwemali kuwe kunye nosapho lwakho ngoko kufuneka lukhuselwe. Iingozi kunye neentlekele zinokuthi zenzeke kwaye zenzeke kwaye ukuba ungekho ngokwaneleyo unesiqinisekiso singakushiya ekutshatyalaliswa kwemali.
Ezinye iinkqubo ze-inshorensi zifuneka kwaye wonke umntu kufuneka abe neentlobo zokubhengezwa kodwa kukho nezinye iindidi ze-inshorensi ezingafunekiyo kwaye unokuba uchithe iidola ezixabisekileyo ezingasetyenziswa kwenye indawo. Kukho umgca ococekileyo phakathi kokufumana i-inshurensi eyaneleyo kunye nokugqithisileyo.