Izigqibo zoNyaka omtsha: Iinjongo zemali

by UMiriam Caldwell

IiNdawo ezine ezibalulekileyo zokugxila kwiinjongo zakho

Naliphi na ixesha ofuna ukutshintsha umfanekiso wakho wezezimali, kufuneka uqale ngokubeka iinjongo zemali . Abantu abaninzi babheka uNyaka omtsha njengethuba elihle lokuqala ukwenza utshintsho ebomini bakho nokudala imikhwa emitsha yemali . Ukuze utshintsho lwakho kunye neenjongo zakho ziphumelele, kufuneka ubeke iinjongo ngamanyathelo amancinci anokufikelela okanye iinjongo ezifutshane eziza kunceda ufezekise iinjongo ozibekayo. Inkqubo efanelekileyo yokuxhasa izokukunceda ufinyelele izigqibo zakho zezimali. Kwakhona kubalulekile ukuthatha ixesha kulo nyaka ukujonga inkqubela yakho ekufikelela kwiinjongo zakho. Njengoko uceba unyaka omtsha, kukho imimandla emine ekufuneka uyiqwalasele xa ukhangela umfanekiso wakho wezezimali.

01 Iinjongo zokunceda ufumane ulawulo lweBhilijethi yakho

Ukulawula uhlahlo lwabiwo-mali luyinyathelo lokuqala ekulawuleni iimali zakho . Ukuba awukulandelelwanga imali yakho, kwaye uchithe ngaphantsi kokufumana, ke awukwazi ukufezekisa ezinye iinjongo zemali. Ukuba unzima ukunamathela kwisabelomali okanye ukuba awuzange ube nolwabiwo-mali, funda ezinye iinjongo kunye nezenzo eziza kubangela ukuba uhlahlo lwabiwo-mali lube lula kwaye lunempumelelo. Uhlahlo lwabiwo-mali luya kwenza kube lula ukutshintsha iimpawu zakho zemali , kuba kuya kukunceda uqonde izinto ofuna ukuzitshintsha. Njengoko ubeka iinjongo kwezinye iindawo zobomi bakho qiniseka ukuba uhlahlo lwawo lwabiwo .Le nto iya kukuthintela ukuba uphumele ibhajethi yakho ngezigqibo zakho.

Iimpawu njengoko Ubeka iinjongo zakho zohlahlo lwabiwo-mali

Njengoko usebenza kubhajethi yakho, qiniseka ukuba uquka zonke iindleko zakho, kuquka ukuhlawula amatyala kunye nokwakha isikhwama sexakeka.
Kunceda ukuqala ngento odla ngayo kwaye ufumane iindlela zokunciphisa imali yakho. Ukuba ukhetha ngokukhawuleza uhlahlo-mali ama-$ 400 ngokutya, kodwa ngokuqhelekileyo uchitha i-$ 800, unokuba nzima kunamathela kwisabelomali sakho.
Ukusekwa uhlahlo lwabiwo-mali olusebenzayo kuthatha iinyanga ezimbalwa ukugqiba.

02 Iinjongo zokukunceda ukuba uphume kwiTyala

Ukuphuma kwetyala kuyinyathelo lesibini ekutshintsheni umfanekiso wakho wezezimali. Kubalulekile ukuba uqaphele ukuba ukuba uya kungena kwetyala, nayiphi na imali oyigcinayo ayihlawulwanga ngumyinge oya kuwo. Kufuneka ube yinto ephambili yakho yokuqala ukuphuma kwetyala kwaye ugxininise kwiinjongo zakho zokugcina. Funda into ongayenza ukuseka isicwangciso sokuhlawula ityala esiza kukhawulezisa inkqubo, kunye nezindlela onokufumana imali ethe xaxa yokufaka isicelo kwityala lakho. Njengoko ufikelela kwizinto ezinzima ekuphumeni kwetyala, unokufuna ukuzivuza ngokukunceda uhlale unyaka wonke.

Iingcebiso njengoko Ubeka I-Out Of Out of Debt Goals

Qala ngeengxowa-mali zexakeka. Oku kuya kukuyeka ukusebenzisa ikhadi lekhredithi ukukhawuleza ukukhawuleza okanye iindleko ezingenakulungiswa.
Phakamisa imali ngokusebenzisa ukuthengiswa kweyadi okanye ezinye iindlela zokubongela amatyala akho amancinci ngokukhawuleza.
Cinga ukuthatha umsebenzi wesibini okanye ukunciphisa iindleko zakho ukuze ufumane imali eninzi kwisicwangciso sakho sokuhlawula ityala.

03 Iinjongo zokukunceda ukwandisa ukugcina kwakho

Ukulondoloza nokutshala imali yakho kubalulekile ukuba ufuna ngokwenene ukuqalisa ubutyebi. Kufuneka ubeke iinjongo zokulondoloza onokufikelela kwixesha elithile. Kufuneka uqaphele oko uchitha kwaye ulondoloze. Xa uyeka ukuya kwiityala ekuthengeni kwakho okukhulu oku kuthetha ukuba kufuneka uwasindise kwangaphambili. Ukongezelela, unokugcina imali ukuze uncede ukwakha ubutyebi bakho.

Iingcebiso ngeenjongo zokulondolozwa kwakho

Zinike ixesha kunye neenjongo zokulondoloza iinjongo zakho .
Zama iingxaki zokulondolozwa kweminye njengemali esheshayo okanye ugcine imali eyongezelelweyo kwinqanaba elithile kwinyanga.
Cinga ukuvula i-akhawunti yokulondoloza kwibhanki eyahlukileyo ukwenza kube nzima ukufikelela kwi-savings yakho.

04 Iinjongo zokukunceda ugcine ukuhlala phantsi

Ukugcinwa kwakho komhlalaphantsi kufuneka kuthathelwe ingqalelo ngokwahlukileyo kwezinye iinjongo zakho zokugcina. Ukugcinwa kwakho komhlalaphantsi kubalulekile kuba kukuchaphazela ngqo indlela oza kukhulula ngayo xa ufika kumhlalaphantsi. Unokufuna ukuqhubeka utyalomali kwimhlala-phantsi nangona ungaphandle kwetyala. Ukuba utyalomali kumdlalo womqeshi wakho, gxininisa yonke ingeniso ekufumaneni ityala unokwenza izinto zombini ngexesha elinye. Funda kabanzi malunga nokukhetha iimveliso zomhlalaphantsi ezifanelekileyo kwiimeko zakho.

Iingcebiso Zokukunceda Ukugcina Umhlala-phantsi

Phakamisa iminikelo yakho rhoqo xa ufumana ukuphakanyiswa. Ngalo ndlela awuyi kuphona imali.
Sebenzela ukugcina ishumi elinesihlanu ipesenti yengeniso yakho yomhlalaphantsi. Ungagcina kwi-401 yakho (k) kunye nesicwangciso se-IRA.
Qinisekisa ukuba utyalo-mali lwakho lulungeleleneyo kwisigaba sakho sobomi. Baya kuba nobudlova xa uselula, kodwa kufuneka ube nolondolozo ngakumbi njengoko usondele kumhlalaphantsi.

01 Iinjongo zokunceda ufumane ulawulo lweBhilijethi yakho

02 Iinjongo zokukunceda ukuba uphume kwiTyala

03 Iinjongo zokukunceda ukwandisa ukugcina kwakho

04 Iinjongo zokukunceda ugcine ukuhlala phantsi

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