Sebenzisa eli pheshethi lomsebenzi webhajethi ukuze ufumane i-handle kwiimali zakho
Ngokufaka uluhlu lwemithombo yonke yengeniso yakho kwiintlawulo zakho zenyanga (ezivela kwiindleko ezifunekayo ezifana nokuhlawulwa kwemali okanye iindleko zokuqashisa kwiindleko zokuqonda ezifana nokutya ngaphandle okanye ukuya kuma-movie), ufumana umfanekiso oyinyaniso wokuhamba kwemali yakho, eya kukuvumela ukuba wenze izigqibo zemali ezingcono kunye nolwazi. Uhlahlo lwabiwo-mali oluchanekileyo luyakunceda ukuba uphendule loo mbuzo ongenakuphikelela, "Ndingakwazi ukuwufumana?"
Indlela yokusebenzisa iphetshana lakho lokusebenzela isabelomali
Ngaphantsi kwiphepha lokusebenzela elizama ukuluhlu lwemithombo engenako yenyanga yengeniso kunye neendleko. Njengokuba imeko yezemali ihlukile, unokufumanisa ukuba akusiyo yonke into eyenziwa kwingeniso yakho okanye kwiindleko. Unokufumanisa ukuba ezinye iinyanga zihluke kunabanye, kodwa kufuneka ufumane ngokusebenzisa le ndlela ulungele kangcono ezo zinguqu kunye nokuziphendulela kwiindleko ezingalindelekanga.
Nangona uhlahlo lwabiwo-mali oluqhelekileyo ngokuqhelekileyo lixesha elifanelekileyo kakhulu lokuba kusetyenziswe uhlahlo lwabiwo-mali lokuqala okanye lwendlu, kukho imithombo eninzi yengeniso kunye neendleko ezingahambelani ngokupheleleyo neshedyuli yenyanga.
Ngokomzekelo, unokufumana i-payck nganye ngeveki okanye kwiiveki ezimbini, kungekho kanye ngenyanga. Ngaloo ndlela, uya kufuna ukubala ukuba longeza njani ixesha lenyanga enye kwaye ubhale loo mgca kunye nekholomu efanelekileyo. Unokuba neendleko ezithile ezilindelekileyo okanye eziphindaphindiweyo ezenzeka ngokuphindaphindiweyo ngaphantsi kweenyanga.
Ukunika ingxelo ngezo ndleko (njengemali yomshuwalense wemali ) kwibhajethi yakho yenyanga, ubale kuphela iindleko ezipheleleyo zonyaka wekhalenda uze uhlule ukuba ngo-12 ukuze ufumane iindleko "zenyanga". Bhala loo nombolo kumqolo ofanelekileyo kunye nekholamu.
Indlela yokugqiba iphepha lokusebenzela lakho lebhajethi
Ukuqala, siphakamisa ukuqokelela zonke iingxelo zemali ezifanelekileyo njengama-stubs akho ehlawulwayo, iibhidi zekhadi zekhredithi kunye nayiphi na enye ingcaciso eya kuzisa ubungakanani obuchanekileyo kunye nobungqina obuchanekileyo bokufumana imali engenayo kunye nemali.
Uza kuqala uzalise i-"Imali ephezulu yeBhajethi" kwiikhompyutheni zakho ezifanelekileyo kwiinyanga ezizayo. Ezi zinto zifanele ukuba zilungelelwaniso zakho, uqikelelo olunolwazi. Ukuba uhlobo oluthile alusebenzi kuwe, unokushiya lungafihli okanye ungene kwi-zero '0' kwibhokisi. Ngaphezulu kwenyanga, landela ingeniso yakho kunye nokuchitha. Ekupheleni kwenyanga, gcwalisa i-"Inani leNyanga leNyanga" kwaye uyilithelekise ukuqikelela kwakho kwasekuqaleni. Ngaba ubuye ukhangelelanise ukuba ungaphila kwiingubo, kodwa ungathandabuli imali oya kuchitha ukuyidla ngaphandle? Rekhoda umehluko. Nangona akudingeki ukuba usebenze kulo msebenzi rhoqo ngenyanga, kunceda kakhulu ekuqaleni njengoko kukukunceda ukuba uhlalutye ibhajethi yenyanga echanekileyo yokubhekiselele phambili.
Ishicilelo sakho seSabelomali soNyaka
Ishicilelo seNkcazo yeNzuzo: Imali eninzi | |
Udidi | Inani leNyanga |
Imivuzo, iMvuzo, iBhonasi | |
Inzala Yenzala | |
Investment Income | |
Eminye Imali (umz., Ukuxhasa abantwana, i-alimony) | |
Ishicilelo seNkcazo yeNgeniso: Imirhumo engagqitywanga kunye ne-Paycheck Deductions | |
Udidi | Inani leNyanga |
YeNgeniso yeNgeniso yeSithili | |
Irhafu kunye neNgeniso yeNgeniso yeNdawo | |
Ukhuseleko lwezeNtlalo kunye neRhafu yeRhafu | |
I-Premium yeNtsholongwane yezeNtsholongwane | |
Umqeshi weRhafu lomGaqo-mali (umz., 401k) | |
Okunye | |
Ishicilelo seNkcazo yeNzuzo: IMALI | |
Udidi | Inani leNyanga |
(Ukukhupha iirhafu kunye nokuxothwa kwimali engenayo) | |
Iindleko zokusebenzela: Ikhaya | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Imali okanye iRhafu | |||
Imali ye HOA | |||
UmNinimzi waseKhaya okanye iNkxaso yoMshwalense | |||
Imirhumo yePropati | |||
Ukulungiswa Kwekhaya / Isondlo saseKhaya | |||
Uphuculo lwekhaya | |||
I-Worksheet Worksheet: Izixhobo | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Umbane | |||
Amanzi / uMgcini | |||
Gesi yemvelo okanye ioli | |||
Ifowuni / iSicwangciso soLwazi | |||
I-TV ye-Cable / Intanethi | |||
Iindleko zokusebenzela: Ukutya | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Ukutya | |||
Zokutya / ukutya okukhawuleza | |||
Ikhofi / Utywala | |||
Iindleko Zomsebenzi: Iimfanelo Zentsapho | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Inkxaso yoMntwana | |||
Alimony | |||
Ukunyamekela / Ukufumana abantwana | |||
Imisebenzi / Izifundo | |||
Iindleko zokusebenzela: Impilo kunye nezoNyango | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Iimali-mali ze-Intshumo zeMpilo (ukuba ingadlulwanga kwi-paycheck ngasentla) | |||
Iimali zeeNkcazo zeNtshumo-mali (ukuba ingadlulwanga ngasentla) | |||
Iintlawulo zeeNtshurensi zamazinyo (ukuba zingabanjwanga ngasentla) | |||
Iindleko zonyango ezingahlawulwanga / i-Assistance Co-Pays | |||
I-prescription kunye ne-OTC | |||
Ubunzima (umzekelo, Umqeqeshi Wakho, iGym, Yoga) | |||
Iindleko zokusebenzela: Izothutho | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Imali yeMali yeMali / iNgxowa-mali | |||
Yomshuwalense wemoto | |||
I petroli | |||
Ukulungiswa Kwemoto / Isondlo | |||
Uluntu kunye nezinye izithuthi (iBhasi, i-Subway, iRhafu, iSabelo seRide) | |||
Ezinye iindleko zezothutho (umzekelo, ii-tolls, iindleko zokupaka) | |||
Iindleko zokusebenzela: Iintlawulo zetyala | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
YokuTyala kweKhadi leKhadi | |||
Ukuhlawula imali yeMali | |||
Ezinye iiNgxowa | |||
Iindleko zokusebenzela: Ezinye iAshurensi | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Inshorensi yobomi | |||
Iindleko zokusebenzela: Imfundo | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Isifundo | |||
Iincwadi zeencwadi | |||
Abanikezi besikolo | |||
I-Worksheet Worksheets: Ukuzonwabisa / Ukuzonwabisa | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Iindleko zekhompyutha | |||
Ukubhaliselwa kunye neengxelo | |||
Ukuzilibazisa | |||
Iifama / Ukuhamba | |||
Ezinye izinto zokuzonwabisa | |||
I-Worksheet Worksheet: Ukunakekelwa Kwezilwanyana | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Ukutya Kwezilwanyana | |||
Ukucocwa, iBhodi, iWeterinary | |||
I-Worksheet Worksheet: Ukunakekela Ubuntu | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Iiflanzi / iziPhuzo | |||
Imveliso Yomkhaya | |||
Impahla | |||
Olunye Uncedo lwaBantu | |||
I-Worksheet Yokusebenzela: Ugcino kunye noTyalo-mali | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Akhawunti zeRhafu (engaxothwanga kwi-paycheck - umz, i-IRAs) | |||
IiAkhawunti zeRhafu | |||
IFund Fund | |||
Ukulondolozwa / Ukugcinwa Kokuzimela | |||
Iindleko zoLwazi lweeNkcitho: eziNinzi | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Izipho / Umnikelo | |||
Ezinye iindidi | |||
I-Worksheet Worksheet: IIMALI ZEMISEBENZI | |||
Udidi | Isabelomali senyanga | Inani leNyanga | Uhluko |
Ingqungquthela yenyanga okanye iNciphiso |
Ingeniso Yenyanga Yonke: |
Iindleko zenyanga zenyanga: |
Ingqungquthela yokuNyuka kweNyanga okanye ukuNqongophala (iNgeniso yeMali encinci): |
Ugcwalise ishidi lomsebenzi webhajethi, ntoni ngoku?
Ukuba ufumanisa ukuba ekupheleni kwenyanga ohlala uchitha imali engaphezulu kunokuba uyifake, kungase kube yithuba lokujonga ngokukhawuleza apho uchitha imali yakho kwaye ulungelelanise le mimandla ongayenza ngayo umahluko . Ngaba kufuneka ufumane, nangakolunye uhlangothi, ukuba uhlale unayo imali yonke inyanga, ngoku unelungelo lokugqiba ukuba wenzeni le mali. Ngaba ufuna ukukhawuleza uncedo olungxamisekileyo okanye i-"day day" fund? Ngaba unokuba negalelo elongezelelweyo kwi-yakho yokugcina umhlalaphantsi ? Ngaba unakho ukuhlawula imali ethile ngokukhawuleza? Okanye mhlawumbi ungathanda ukuyigcina ukuthenga okukhethekileyo okanye enkulu.