Imibuzo ebalulekileyo yokuCwangcisa umhlala-phantsi ukuba ubuze abathandekayo bakho
Ukuba iziganeko zentsapho azikho rhoqo kwindlu yakho, into enokufuna ukwenza le nkhathi yeholide ibeke eceleni ixesha lokuxoxa ngeenjongo zemali zangexesha elide ezifana nokuthatha umhlalaphantsi.
Ngokwesiko "inkulumo yemali" ibhekwe njengesihloko somxholo, kodwa iintsapho ezikhusela ukuxoxa ngemicimbi yezemali zingabangela isigaba seengxaki ezinkulu kwixesha elizayo ebomini. Nangona umhlala-phantsi "uthetha" ungabonakali njengesihloko esithandekayo okanye esonwabileyo kwingxoxo malunga netafile yondlo, kunye nemingeni eninzi kwihlabathi elichaphazela impilo yethu yonke inokuba yinto enye ebaluleke kakhulu ingxoxo oya kuyenza obakho ebomini bakho.
Xa intsapho yethu iqokelela malunga netafula lesidlo esi sihlandlo seeholide kunokwenzeka ukuba siza kuhlanganisa uluhlu olubanzi lwezinto ezifana nekholejini kunye ne-NFL zeenkundla zebhola zebhola, apho uhamba khona ukutshitshisa idilidi zeeholide, nendlela yokuphatha abantwana ukuphuma esikolweni ixesha elide. Kungakhathaliseki ukuba yeyiphi inqanaba lakho lonwabo kwiintetho zemali zomntu siqu, ingxoxo yomhlala-phantsi ayisoloko ikhuphukela phezulu kwintsapho enokuyenza uluhlu ngexesha leeholide kodwa ekugqibeleni kufuneka ujongane nendlovu egumbini.
Nazi ezinye zezinto ezibalulekileyo zokucwangcisela umhlalaphantsi ukubuza ngeli xesha leholide ukuba awuzange ube nencoko yemali ebalulekileyo kunye nabahlobo okanye intsapho yakutshanje:
Ziziphi iinjongo zakho zokuthatha umhlalaphantsi? Thatha ixesha lokuchaza ukuba igama elithi "umhlalaphantsi" lithetha ntoni kuwe. Cinga ngezinye zezinto okhangele phambili kuzo.
Unokuba nezinto zokuzonwabisa ezikhoyo okanye umsebenzi wokuzithandela onokuyithandayo kwaye ufuna ukukwazi ukunikela ixesha elingaphezulu. Ngaba unayo iinjongo ezihambelana nokuhamba okanye ufuna nje ukuqonda ukuzimela kwemali onokuqhubeka uhlangabezana neenjongo zakho zobomi ezibalulekileyo usebenzisa imithombo engenayo engenayo? Kubantu abathile umhlalaphantsi unokubandakanya ukuqhubeka nokusebenza okanye ukusukela umsebenzi wokuziqhelisa kunye neenjongo zokusomashishini, okanye ukwenza into enomdla kwaye enika ukwaneliseka nokuzonwabisa. Akukho nto okanye iphosakeleyo apha ukuze uqaphele ukuba uphuphe kwaye uqaphele amathuba okuthatha umhlalaphantsi wakho. Ingcamango ephambili kukuba uhambe ngaphaya kwinqanaba lephupha uze uqale ukubeka iinjongo zakho zobomi ngokubhala.
Xa kulula Kulungile: Indlela yokudala iSicwangciso seMali sePhepha esisodwa
Ngaba uhamba ngendlela yokufikelela kwiinjongo zakho zokufumana umhlalaphantsi? Ngokwe-Index ye-National Retirement Risk ngaphezu kwesiqingatha semindeni kweli lizwe basengozini yokungakwazi ukugcina umgangatho wabo wokuphila ngexesha lomhlalaphantsi. Uphando oluvela kwi- Financial Finesse lukwabonisa ukuba ngabaqeshwa abathandathu kuphela kubasebenzi baqinisekile ukuba bahamba ngendlela yokufikelela kwiinjongo zabo zomhlalaphantsi. Uninzi lwabaqeshwa aluzange luhambe luze lufikelele ekuhlaleni umlinganiselo wokuthatha umhlalaphantsi.
Ngeziphoso ezicacileyo kwi-Social Security and Medicare, kunye nekhefu elide lokuhlala ixesha elide, ngoku ngakumbi kunini na ngaphambili kufuneka siqalise ukwakha ukugcina imali yethu yomhlala-phantsi. Ukuba wena okanye ngabazali bakho awuzange usebenze umhlala-phantsi, qalisa ngokuzalisa i-calculator ye-intanethi efana nendawo ekhoyo apha. Emva koko, thetha ngeziphumo zakho kwaye usebenze izinto ezimbalwa ezahlukileyo-ukuba iziganeko zokucwangcisa izicwangciso zokufumana imali eyongeziweyo yokuthatha umhlalaphantsi.
I-Calculator Income Calculator ye-Web
Ziziphi izithintelo ezinkulu ekuhambeni kwakho ukuya kumhlala phantsi? Uninzi lwabantu luchaza ukuba ukwesaba ukukhupha imali yabo ngexesha lokuthatha umhlalaphantsi kukuxhalaba kwabo. Ukukhathazeka okubandakanya kubandakanya ukuhlawula unyango lwempilo, ukulindela ubomi obude, kunye nokungaqiniseki koqoqosho lwehlabathi. Mhlawumbi umqobo omkhulu kwinkqubo yokucwangcisa umhlala-phantsi yenziwa ngumntu kwaye yinto yokugweba.
Kungakhathaliseki ukuba iziphi izithintelo zakho, chitha ixesha elichonge iindlela zokuphucula ukuphucula imali yakho namhlanje ukuze unciphise impembelelo yazo njengoko usondela kumhlalaphantsi.
Lungiselela iindleko zeNkcazo zeMpilo namhlanje
Kungathi ngathi ingcamango yasendle kunye neyengqiqo ukuxubusha ingxoxo yezocwangciso zezimali kunye nokuzonwabisa kwentsapho kwieholide. Kodwa ngokukhawuleza ukulibazise le ntetho ebalulekileyo yemali, kuya kuba nzima ukwenza iphupha lokuthatha umhlalaphantsi libe yinyani. Ingxoxo nje yocwangciso lwexesha elide ivelisa ithuba lokuba wena okanye abathandekayo bakho bafikelele kwiinjongo zobomi ezibalulekileyo, kunokunika uxolo lwengqondo ukuba uthatha amanyathelo alungileyo ukulungiselela usuku lwakho lwe-Independence Financial. Awukwazi ukumboza yonke into ngexesha elilodwa, kodwa ubuncinci uzama ukudala intetho evulekile ngemicimbi ebalulekileyo yemali kwaye uthatha amanyathelo okuphucula umbono wakho womhlalaphantsi.