Qinisekisa iBhajethi yakho
Unokufuna ukuqinisa uhlahlo lwabiwo-mali . Ukuba ukhangele uhlahlo lwabiwo-mali kufuneka uzame ukuhlambela ubuncinane iidola ezilikhulu kwindawo ethile. Unokukhawula kuphela i-cable yakho yebhanki okanye uthintele kwiindleko zakho zokuzonwabisa. Ukuba ezi zinto zibaluleke kakhulu unganciphisa ibhajethi yakho yokutya okanye uzame ukunciphisa inani lezinye iindleko.
Cinga ngokuthatha iYobhi yesibini
Ukuba awuboni nayiphi na indawo ongayinqanda ngayo iindleko zakho, ngoko unokufuna ukuthatha umsebenzi wesibini. Ukuba uthabatha ukutshintshwa okwedluliselwe ngeveki, kufuneka ube neleyo ukuqala ukugcina umhlalaphantsi. Yenza imisebenzi yobunzima. Ukuba ufumana umsebenzi kwindawo yokuzivocavoca, unokufumana ubulungu bakho mahhala obukhulula loo mali ngomhlalaphantsi, ngelixa ungeze imali eyongezelelweyo ukubeka umhlalaphantsi kwakhona.
Sebenzisa Ukuphakamisa Kwakho Iminikelo Yakho
Indlela elula yokwandisa umhlala-phantsi wakho wokuthatha umhlala-phantsi kukuzenzekela ngokuzenzekelayo ukuphakamisa kwakho kwiminikelo yakho.
Oku kuya kukunceda ugcine imali, kwaye ayiyi kuphazamisa indlela yakho yokuphila. Ukuba ufumana ezine ipesenti zonyusa ngonyaka, uza kusindisa ngokukhawuleza ipesenti ezilishumi elinesihlanu zemali engenayo ngokukodwa ngomhlalaphantsi. Ukuba uqala ukugcina umhlalaphantsi kunye nomsebenzi wakho wokuqala , awuyi kuphinda ulahlekelwe yimali ngenxa yokuba uya kuba wenza ngaphezu kokuba ungumfundi.
Khumbula Imihlatshelo Encinane Ngoku Yilungele
Imibingelelo oyenzayo ngoku kuya kukukhusela ukuba wenze imibingelelo enkulu xa usukhulile. Cinga ngemibingelelo encinci yokutya ngaphandle kancinci kwaye uphuphule enye ifilimu ngenyanga kwaye uyiqhathanise nokwenza ukhetho lwamayeza onokukuthenga. Oku kunokuba yinto ekhuthaza. Njengokuba abazali bakho behlala phantsi, unokukwazi ukubona indlela abakhetha ngayo abachaphazelayo ngoku. Kubalulekile ukuqala ukugcina umhlalaphantsi ngokukhawuleza. Inceda ukudala umkhwa, kwaye kuthetha ukuba uya kufuneka ukuba unike ipesenteji encinci yengeniso yakho ukuya kumhlalaphantsi ngenyanga.
Ukusingatha Iminikelo yomhlala-phantsi Ukuba Unamatyala
Ukuba uzama ukuphuma kwetyala, unokufuna ukunciphisa umrhumo wakho wokuthatha umhlala-phantsi ukuze uphume kwetyala. Ukuba ukwenza oku, kufuneka ukwandise iminikelo yakho yomhlala-phantsi kungekudala xa unetyala elingenanto. Enyanisweni, imali oyisebenzisileyo kwiintlawulo zetyala inokungena ngqo kwi-savings kuquka utyalo-mali lomhlalaphantsi. Ungasungula iRoth IRA ngokusebenzisa iqumrhu lotyalo-mali apho unika imali imali ngenyanga, kwaye unokuthatha enye yekhadi lakho lekredithi okanye ityala lokuqala kwaye uqale ukuzihlawula inyanga nganye.
Yenza Ukugcina Umhlala-phantsi Ukuphambili
Ukugcinwa komhlala-phantsi kufuneka kube yinto ephambili, nangona kungenye yezinto ezilula ukunyusa, kuba umhlalaphantsi ubonakala kude.
Akufanele wenze izizathu zokubangela ukuba umlinganiselo wexabiso ochaphazelayo kumhlalaphantsi . Ngokwenza utshintsho oluthile lwemikhuba yakho yokuchitha imali, kufuneka uqalise ukugcina nokugcina ubomi. Ukuba unokwenza ukugcina umhlalaphantsi ngokuzenzekelayo, kuya kuba lula ukufikelela kwiinjongo zakho.