Hlola izinto kwiLoluhlu kwaye Qala uNyaka weNtsha
Ngenhlanhla, unalo ixesha elide phakathi konyaka kwaye ekupheleni konyaka ukuthatha naziphi na izenzo ezifunekayo.
1. Hlala phantsi kwiNgcaciso yeKhaya yeeNgxelo zeNgcaciso ezingama-30
Into endihlala ndiyiphakamiselayo ukwenza "ikhadi lemizuzu engama-30 yengxelo." Ngeli xesha, unokuvavanya imeko yakho yemali kwaye uhlaziywe kunyaka owedlule. Ngaba udibene neenjongo zakho zemali? Ngaba uhlawule amatyala owawuthembayo? Ngaba ugcine uhlahlo lwabiwo-mali? Phendula le mibuzo ngokunyanisekileyo nangokunyanisekileyo kunye neqabane lakho kunye nosapho. Ukuba kukho ezinye iindawo ezifuna ukuphucula, zibophelele ekubeni wenze ezo zinguqu ngoku. Akukho xesha elifana nelikhoyo ukuze ufumane imali yakho.
2. Fumana kwiDet Diet namhlanje
Mhlawumbi ucinga kuwe, "Ayikho indlela! Andikwazi ukuxhalabisa ngamatyala endiphakathi kwexesha leeholide! "Kodwa ngoku ixesha elifanelekileyo lokuhamba kwidyala lokutya. Yonke into eyenziwa ngamatyala ekhredithi yenza ukuba umgca wakho ongaphantsi ubonakale ungalunganga kwaye kukulimaza impilo yakho yemali.
Ixesha lokuqalisa ukulichitha namhlanje. Ukuba unesicwangciso sokuncedisa ukuqala ukutya kwetyala lakho, landela ezi ngcebiso ukuphelisa ngaphezulu-ukuchitha kunye nokugcinwa kwangaphantsi.
3. Thengisa izithuba zokulahlekelwa kweRhafu
Ngaba kukho naziphi na izikhundla zokulahlekelwa kwemali kunye / okanye utyalo-mali kwipotfoliyo yakho? Ukuba kunjalo, unokucinga ngokuzithengisa ukulahlekelwa irhafu.
Khawukhumbule ukuba kukho imigaqo ethile yokuthengiswa kwempahla. Ngokomzekelo, ukuba uthengisa i-stock for loss, awuvumelekanga ukuba uthenge i-stock efanayo okanye i-securities kwisithuba seentsuku ezingama-30. Ukuze uhlale ungqinelana, ndincoma ukuba uthintane nomcebisi wakho wezemali. I-intanethi, unokutyelela iwebhusayithi ye-SEC malunga nemithetho ethile apha kwesi sihloko.
4. Abanamdla abaRhabileyo bachitha iiyure ezingama-5 okanye ngaphezulu kwiCwangciso seMali
Xa ndihlolisise umhlala-phantsi kwincwadi yam, "Unokuthatha umhlalaphantsi kungekudala kunokuba Ucinga," ndafumanisa ukuba omnye umhlala-phantsi wokuhlala phantsi kukuba bachitha ubuncinane iiyure ezintlanu ngonyaka (kwaye ngokuqhelekileyo ngaphezulu) ukucwangcisa umhlalaphantsi. Baye baqulunqa ifom, ekhethekileyo kubo bonke abantu, ukuba bangakanani imali abayidingayo ukuba bayigcine umhlalaphantsi. Khawukhumbule ukuba ukucinga okule ndlela kubandakanya ukucwangcisa, ngoko qiniseka ukuba unikezela ixesha elifunekayo ukwenzela ukuba nawe ube ngumhlala-mnandi.
5. Nika ixabiso elikhulu kwi-401 yakho (k)
Iinkampani ezithile zinikeza u-401 olinganayo (k) nesicwangciso soxanduva. Ngokwenene, le nto ikhululekile kuwe, ngoko ke, ukuba kunokwenzeka, kukulungele ukufaka isandla esiphezulu kwi-401 yakho (k). Umda wokuba ulungele isicwangciso soxhasano lwenkampani yakho singavumelana nenkampani kunye nenkampani, ngoko kukulungele ukujonga ngeSebe lakho loLuntu ukuze ubone ukuba ufuna ukufaka isandla esingakanani.
Zama ukusindisa ubuncinane umlinganiselo wakho umqeshi uya kufana nawo, ngaphandle koko ushiya imali etafileni.
6. Musa ukulibala ukuba uthathe ukusasazwa okufutshane okufunekayo (RMD)
Ukuqala kunyaka ophendulela kuma-70 1/2, i-IRS idinga ukuba uhoxise ubuncinci ubuncinane kwi-akhawunti yakho yomhlalaphantsi rhoqo ngonyaka. Ukufumanisa ukuba isabelo sakho esincinci, zama ukusebenzisa le calculator enkulu kwi-Bankrate.
7. Sebenzisa iMali kwi-akhawunti yakho ye-akhawunti ye-Flexible Spending Account (FSA).
I-akhawunti yokuchithwa kwe-flexible ye-akhawunti yerhafu ekhethekileyo apho unokunikela ngemali eya kuhlawula iinkonzo ezithintela ngayo iinkonzo zezempilo. Qinisekisa ukujonga ngeenzuzo zakho kwiofisi ukufumana umhla wokugqibela wokusebenzisa imali kule akhawunti ukuze ingasetyenziswanga. Ukufumana iinkcukacha ezongezelelweyo kwiinkonzo ezigqitywe yi-FSA yakho, nceda u tyelele kwi-www.healthcare.gov.