Ukuphila Kwimali Enye Yindlela Ekhethiweyo YeTurbo Yokulawula Imali Yakho
Masithi, umzekelo, wena kunye neqabane lakho nisebenzela ngaphandle kwekhaya. Omnye wenu ufumana i-$ 40,000 ngonyaka, omnye ufumana i-60,000 zamawaka ngonyaka. Ngeli nqanaba, ujwayele ukuhlala kwimimiselo yakho yomibini .
Ukufumana i-turbo-charge yakho ngemali, uya kufuna ukuzityhila.
Thatha isinyathelo sokuQala
Njengomnqopho wakho wokuqala, bobabini kufuneka nijonge ukuhlala kwizinga eliphezulu lemali emibini. Esikhundleni sokuhlala kwi-100,000 yee-year ngonyaka, zama ukuhlala kwi-60,000 zamawaka ngonyaka.
Ukuba unako ukufezekisa oku, usanda kwandisa izinga lokugcina imali yakho. Ngoku ugcine i-$ 40,000 ngonyaka ngonyaka phambi kwentlawulo.
Thatha iNyathelo elongezelelweyo
Ukuba ufuna ukunyanzela ngakumbi, zama ukuhlala phantsi kweengeniso ezimbini.
Emva kokuba ujwayele ukuhlala kwii-60,000 zamawaka ngonyaka, qalisa ukugcina ngaphezulu kweemali ezimbini kunye nokuhlala kwiincinci ezimbini. Oku kuya kukhawuleza ukukhawuleza izinga lokugcina.
Indlela yokukhuphula imali yakho yokugcina
Yintoni ongayenza ngokugcina imali? Kukho ezininzi zokukhetha:
- Ukukhawuleza ukuhlawula imali yakho. Kukho ezinye iibinibini eziye zahlawula imali yazo yonke inzala kwiminyaka emithathu ukuya kweyesihlanu ngokuhlala kwiholo lomlingane kunye nokusebenzisa yonke enye ingeniso yokuhlawula imali.
- Yakha ingxowa-mali exakekileyo . Beka eceleni iinyanga ezi-3 ukuya kwezi-6 (okanye kwiinyanga ezili-9!) Zeendleko zokuhlala. Yakha ii-akhawunti ezizodwa zokugcina imali ezijoliswe kwikamva elizayo kwikhaya kunye nokulungiswa kwemoto, i-co-co-health yezempilo kunye neeholide, kunye neeholide.
- Yenza inkokhelo yemoto kuwe. Unokubeka eceleni imali eyaneleyo yokuthenga imoto yakho elandelayo ngemali .
- Ukukhupha zonke ii-akhawunti zakho zomhlalaphantsi . Yindlela elula yokufumana indlela eya kumhlala-phantsi okhuselekileyo. Ukuba umqeshi wakho unika inkxaso ehambelanayo, qiniseka ukuba uyisebenzisa. Ukuba uneminyaka engama-50 okanye ngaphezulu, unokwenza "iminikelo yokubamba" .
- Ukukhupha isikhwama somntwana wekholeji yengane yakho. Usana oluzalwe namhlanje luya kufuna malunga ne-$ 200,000 ukuya kwikholeji kwiminyaka eyi-18.
- Londoloza iholo elikhulu. Beka bucala ngokwaneleyo ukuze ukwazi ukuqala ishishini lakho okanye uthathe uhlobo oluthile lomsebenzi okanye umngcipheko woshishino. Okanye uhlala phantsi xa useneminyaka engama-35 okanye 40!
Amathuba angapheliyo.
Indlela Yokuqala Ukuphila Kwimali Enye
Ungayinayo njani ukugcina imali yomntu omnye?
Qala ngokuhlolisisa uhlahlo lwabiwo-mali. Ezi phesheya zeebhajethi ziza kukunceda ukhangele kakuhle ukuba ungakanani ukugcina okanye ukuchitha.
Bonisa indlela yokunciphisa iindleko zakho kwiqela ngalinye. Qala ngeendidi eziza kukunika ukunqoba okukhulu. Ngaba unokuqhawula umboleko wakho kwisigamu - mhlawumbi ngokunciphisa kwikhaya encinane? Ngaba unokunciphisa ukuqhuba ngokuhlala kwindawo enobungane abahamba ngezinyawo, ngoko ke, nciphisa imali yakho yegesi?
Ukukhawula iindleko zakho kule mikhakha enkulu yetikiti kuya kuba nefuthe elikhulu, kodwa ungayikhohlwa malunga neentlobo ezincinane.
Ukunika iipyps, i-soda kunye nezinye ukutya ezingenakulungileyo kunokunceda ukucutha iindleko zakho zokutya.
Ukunciphisa i-thermostat yakho nokwenza uhlaziyo olomeleleyo lwamandla ekhaya lakho kunokunciphisa izixhobo zakho. Ukuthatha kwirenti okanye umntu ohlala naye kwigumbi lakho lokulala ungakunika ngokukhawuleza i-$ 500 ngenyanga (okanye ngaphezulu) ukunyusa izinga lokugcina imali. (Leyo ngu-6,000 ngonyaka!)
Ukuphila kwimali yomntu oyedwa kunye nokulondoloza yonke into enye yeyona ndlela efanelekileyo kakhulu yokunciphisa ukonga kwakho kwaye uphile ubomi obakhululekile.