Ayikho into ejongene ngayo neBlujethi yakho, igumbi lokuphumla kule miThetho ...
Kodwa yiziphi izinto onokuze uzinqunywe kwibhajethi yakho , kungakhathaliseki ukuba utyunjwe njani ngemali onokuyivakalelwa okwangoku?
Nalu uluhlu lwezinto ongazifanele uzinqume, kungakhathaliseki ukuba uziqhekeke njani. Qinisekisa ukuba uchithe zonke iindleko zokugqibela ezihlawula ezi ndleko, nangona kufuneka uthathe umsebenzi wesibini ukuwufumana.
# 1: Umshuwalense wezeMpilo
Ngaba uyayazi ukuba iibini zontathu kuzo zonke iibhonksi zixhomekeke ngqo kwiibhilidi zonyango? Akukho mda wokuba iphakamileyo zakho zezibhedlele ziyakwelula njani.
Ukuba uyaphazamisa imoto, imali eninzi ongayi kulahlekelwa yintengo yeemoto (kungekhona ukubala, ngokuqinisekileyo, nayiphi na iindleko zonyango ezihambelana nengozi yemoto.) Oko kuthetha ukuba ukuhlaselwa kwakho kungabikho kwama-20,000 .
Kodwa izibhengezo zezibhedlele ziyakwazi, zulula, zilula kumanqaku amathandathu. Ukuba unobungozi obukhulu okanye ugula, iibhilidi zakho zonyango zinokwabelana ngezigidi. Okuqhelekileyo kunokuba ungalindela.
Ukuba umqeshi wakho akanikezeli i-inshurensi yezempilo, zithenge isicwangciso sakho. Ukuba uvakalelwa kukuba izicwangciso zibiza kakhulu, cinga ngeendleko zokungabikho. Ukuba unzima kakhulu ukuhlawula iintlawulo, khetha icebo elinomlinganiselo ophezulu.
Emva kokugqitywa kwikholeji, ndithenga isicwangciso se-inshurensi yempilo nge-$ 5,000 echithwe.
Kuyacaca ukuba, andizange ndixhomekeke kule cwangciso ngokukhutshelwa komkhuhlane, iilensi zokudibanisa, okanye nayiphi na enye i-standard ye-ofisi yokutyelela. Ndazi ukuba ukuba ndigula yaye kufuneka ndize kugqirha, ndiza kufuneka ndihlawule i-bill ye-out-of-pocket.
Kodwa nge-plan ye-$ 5,000 ephezulu echitshiweyo, ndibe noxolo lwengqondo ukuba ndiyazi ukuba "ukuphazamiseka" kwam.
Ukuba ndagula okanye ndalimala, imali endiya kuyihlawula iya kuba yi-$ 5,000. Akunakuzonwabisa ukwenza ezo ntlawulo, kodwa kuya kuba ngcono ukuba kufuneka uhlawule ama-40,000 okanye ngaphezulu.
# 2: Abanini beeNkampani zeInkampani
Emva kweendleko ezinxulumene nempilo yakho, ibini lesibini-eyona nto inokubakho ukuhlawula iindleko zekhaya lakho.
Ukuba intlekele ebetha ekhaya lakho mhlawumbi ngomlilo, inyikima, inyikima, okanye nayiphina enye ntlekele-uya kuba sekhokheni yokuhlawula ilahleko leyo, ngaphandle kokuba unama-inshurensi yabanini. Yaye ukuba ucinga ukuba iintlawulo zokubolekwa kwempahla zibuhlungu ngoku, yilinda uze uhlawule imali emibini: enye yendlu ohlala kuyo, enye enye indlu eyatshatyalaliswayo.
Abanini-mboleko abaninzi kunye nenkampani yokuboleka imali bafuna ukukhusela impahla yabo, ngoko baqokelela i-inshorensi njengengxenye yabo yokuthenga imali. Ngamanye amazwi, xa uhlawula imali yakho yokuthenga imali, usenokuba sele ukhokhe i-inshurensi. Kodwa qwa lasela iikopi zakho zemboleko ukuze uqiniseke.
Kwakhona, kwakhona uphinde uqinisekise umgaqo-nkqubo wakho womshuwalense kanye kanye ngonyaka ukwenzela ukuba uqiniseke ukuba unesistim esaneleyo sokubhengezwa. Ukuba ne-inshorensi enganeleyo imbi kakhulu ngokungabi nantoni na.
# 3: Umshuwalense wemoto
Ndiyazi, ndiyazi: Ndiqhubeka ndithetha ngomshuwalense.
Kodwa kungenxa yokuba kululeka kakhulu.
Kuchasene nomthetho ukuqhuba ngaphandle okungenani ubuncinane bemali yomshuwalense wemoto. Ayinayo imali ngakumbi ukufumana ubuncinci besikhokelo esongezelelweyo esiya kuhlawula umonakalo kokubili imoto yakho kunye nesithuthi somnye umntu. Uyakufuna kwakhona ukhuseleko lokuxanduva oluza kubandakanya ukulimala komzimba xa kwenzeka ingozi.
Khumbula: ukulimala komzimba ngumthetho-mali ophathelene nempilo, kwaye ezo ndleko zingabakho ngeenkwenkwezi.
# 4: Ukuhlawula amatyala
Ukuba uhlawula inkokhelo yamatyala ekhredithi ephakamileyo, njengama-29 eepesenti Imali yekhadi lesikredithi, kunzima ukuba unganakho ukuhlawula loo mva ngokukhawuleza. Njalo inyanga ohlawula imali-mboleko ephakamileyo, uyacima ngakumbi kwaye ungene emngxeni.
Nangona kunjalo, ukuba unomdla ongezantsi, njengemali ebolekileyo yemali okanye umlinganiselo wemali-mboleko yemoto , akufuneki ukuba ube nokukhawuleza ukuhlawula loo mboleko.
Ngaphambi kokukhawuleza ukuhlawula loo matyala enzala-mali, kufuneka ugxininise ekwakheni isikhwama sengxamiseko kwaye ulondoloze umhlalaphantsi. Ekhokelela kwindawo yam elandelayo ...
# 5: INgxowa-mali Yakho yeNgxamiseko
Uya kumangaliswa ngoloxolo-yengqondo oya kuba nayo xa uyazi ukuba unemivuzo embalwa yenyanga ebekelwe bucala ukujongana naluphi na uxakeko olusenokuvela.
Ukuba kukho into engalindelekanga eyenzekayo ngaphambili eyakufuna ukuba uchithe amakhadi-mboleko - njengemibhobho eqhutyayo kwindawo yokuhlambela yakho - uya kuba nako ukuhlawula iibhidi ngokukhawuleza, ngaphandle kokuya kukho nawaphi na amatyala.
Qhubeka ungeze kwi-fund yakho yengoxakeka, yedwa emva kokuba uqale ukwandisa u-401 (k) umdlalo. Ekhokelela kwindawo yam elandelayo ...
# 6: Umlinganiso wakho woMqeshi wama-401k
Ukuba umphathi wakho uhambelana neminikelo yakho ukuya kuma-401 (k), athathwe ngokugcwele ngeli thuba. Ukuba ufumana umdlalo we-50 wemali kuwo wonke ama dollar otyalo-mali, ukuya kuma-6 eepesenti yokuqala, ufumana i-50% yepesenti "inqanaba lemali eliqinisekisiwe" kuma-6 ekhulwini lomvuzo wakho. Oku kuninzi.
Emva kokuba udibanise umlinganiso wakho womqeshi, gxininisa ekwakheni i-fund yengxowa-mali yokukhawuleza kunye nokuhlawula ityala eliphezulu. Okwangoku, qiniseka ukuba awuyi kukhwela kwi-inshorensi yakho. I-inshurensi ngowona mkhuseli okhuselekileyo onokumelana nokucima ngakumbi kwi-matyala.