Ucwangciso lwemali luquka iintlobo ezahlukeneyo zemali eziquka uhlahlo lwabiwo-mali, indleko, ityala, ukugcina imali, umhlalaphantsi kunye ne-inshurensi phakathi kwabanye. Ukuqonda indlela nganye kwezi zihloko ezisebenzisana ngayo kwaye zixubane omnye nomnye zinokunceda ekubekeni isiseko sesiseko esisisiseko semali kuwe nakwintsapho yakho.
01 Uhlahlo lwabiwo-mali
Xa udala uhlahlo lwabiwo-mali, uqala ukubona umfanekiso ocacileyo malunga nokuba unayo imali , yintoni oyisebenzisayo kuyo, kwaye ungakanani, ukuba kukho na okhoyo. Ngokufanelekileyo, uya kuba nekhefu esele ungayisebenzisa ukugcina umhlalaphantsi, ukwakha i-fund yakho yexakeka, ukuhlawula ityala okanye ukusebenzisa kwezinye iinjongo zemali.
02 Ukunciphisa iindleko
Ngokomzekelo, ezinye zeendleko ezincinci ezinokuthi ungaziqwalasela ukususa ziquka iinkonzo ezingabalulekanga zokubhalisa okanye ubulungu obuphindaphindiweyo ongayisebenzisiyo. Ukunyuka okukhulu kunokubangelwa ukuhlaziya imali yakho yokuthenga okanye ukususa yonke indawo yokuchitha imali, njengokutya.
03 Ukuphuma kweMatyala
Elinye lamanyathelo abaluleke kakhulu ekuphumeni kwetyala kukuhlawula ngaphezu kwexabiso elincinci nganye ngenyanga. Nokuba ibhalansi yekhadi lekhadi elincinci lingathatha iminyaka elishumi ukuba ihlawule ukuba uhlawula imali ephantsi ngenxa yezinto ezinomdla kunye neentlawulo zemali. Oko kunokuphelisa ukubiza amawaka eedola ezingasetyenziselwa ukugcina imali.
04 Ukulondoloza umhlalaphantsi
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 ngxelo zivumela ukuncitshiswa kweerhafu , iikhredithi kunye nemali engenayo yerhafu kwimali ethile yokugcina umhlalaphantsi . Ukuba awulondolozi umhlala-phantsi, hlela kwakhona uhlahlo lwabiwo-mali ukuze ubone ukuba unendawo yokuyifaka.
05 Intshurensi
Usebenze kanzima ukwakha unyawo oluzinzileyo lwemali kuwe nakwentsapho yakho, ngoko kufuneka ikhuselwe. Iingozi kunye neentlekele zinokuthi zenzeke kwaye zenzeke kwaye ukuba ungekho ngokwaneleyo unesiqinisekiso singakushiya ekutshatyalaliswa kwemali. Ufuna inshorensi ukukhusela ubomi bakho, ukukwazi kwakho ukufumana ingeniso, nokugcina uphahla phezu kwentloko yakho. Ubshuwarensi yobomi, iinshorensi yokukhubazeka kunye ne-inshorensi yabanini bendawo banokukunceda kwezo ziganeko.
Omnye umbuzo onokuthi unayo, unjani uhlobo lomshuwalense wobomi endiyidingayo? Ubomi bemizuzu inikezela ixesha elimiselweyo; inshorensi ysisigxina ibandakanya wena ubomi, kunye nemigaqo-nkqubo enika inzuzo yokuqokelela imali. Kubalulekile ukuqwalasela ukuba yeyiphi enye eyona nto ifanelekileyo kwiimfuno kunye neenjongo zakho.