Ukongeza iiAfa kunye nokuKhupha iMatyala
Isinyathelo sokuqala ekuhloliseni imfuno yakho yesicwangciso sendawo kukuqinisekisa ukulungiswa kwempahla yakho. Nantsi isikhokelo esisisiseko sokubala inetha lakho. Uya kufuneka ushicilele ishati yokubala inetha ngaphambi kokuba uqale. Ukuba utshatile okanye unomnye obalulekileyo, dwelisa amagama akho kunye neqabane lakho / iqabane lakho phezulu kwiikholamu zokuqala ezimbini. Ukuba ungatshatanga, lungisa nje igama lakho phezulu kwikholam yokuqala. Kwakhona phawula ukuba ukuba i-asethi ibhalwe ngokuqinisekileyo egameni lokuthembela kwakho kokuphila , oko kufuneka kuludweliswe kwikholam yakho.
01 Yongeza Iimilinganiselo zeAkhawunti zeBhanki
Thatha iikopi zeengxelo zakutshanje kuzo zonke iibhanki zakho zebhanki, kubandakanywa ukuhlola , ukugcina imali, iimarike zemali kunye neeCD. Ukuba utshatile okanye unomnye obalulekileyo kwaye i-akhawunti ibizwa ngegama elilodwa kuphela, dwelisa ixabiso elipheleleyo kwikholomu yomnini ofanelekileyo. Ukuba i-akhawunti ibizwa ngegama elidibeneyo lakho kunye neqabane lakho / iqabane lakho, dwelisa ixabiso kwikholamu edibeneyo. Ukuba ungatshatanga kwaye i-akhawunti ibizwa ngegama lakho, cwangcisa ixabiso kwikholam yakho. Ukuba i-akhawunti ibizwa ngokubambisana nawe kunye / okanye lakho iqabane / iqabane lakho kunye nomntu ngaphandle kweqabane lakho / iqabane lakho (njengomntwana okanye umntakwenu), ngoko ke ubhale nje isabelo esahlukileyo se-akhawunti kwikholomu yakho okanye ikholomu yomlingane / umlingani wakho . 02 Yongeza Iimilinganiselo zeeAkhawunti zeTyalo-mali
Thatha iikopi zeengxelo zakutshanje kuzo zonke iakhawunti zakho zokutyalo-mali ezingenalo izicwangciso zomhlalaphantsi. Ukuba utshatile okanye unomnye obalulekileyo kwaye i-akhawunti ibizwa ngegama elilodwa kuphela, dwelisa ixabiso elipheleleyo kwikholomu yomnini ofanelekileyo. Ukuba i-akhawunti ibizwa ngegama elidibeneyo lakho kunye neqabane lakho / iqabane lakho, dwelisa ixabiso kwikholamu edibeneyo. Ukuba ungatshatanga kwaye i-akhawunti ibizwa ngegama lakho, cwangcisa ixabiso kwikholam yakho. Ukuba i-akhawunti ibizwa ngokubambisana nawe kunye / okanye lakho iqabane / iqabane lakho kunye nomntu ngaphandle kweqabane lakho / iqabane lakho (njengomntwana okanye umntakwenu), ngoko ke ubhale nje isabelo esahlukileyo se-akhawunti kwikholomu yakho okanye ikholomu yomlingane / umlingani wakho . 03 Hlanganisa iMilinganiselo yamaShishini kunye neBond
Ukuba wena kunye / okanye lakho iqabane / iqabane lakho linesitokethi ngasinye kwiinkampani ezithengiswa esidlangalaleni, qi kelela ixabiso lezabelo ngokujonga ixabiso langoku lilonke kwiziko lewebhu ezifana ne-Yahoo! ZeMali. Hlola kunye nabani na ubophelelwano oluthengiwe esidlangalaleni lathengwe ukususela ekufumaneni ixabiso elilinganiselwayo langoku. Kwiibhanki ze- US Savings , uye kwiwebsite ye-Federal Reserve kwaye ufake ulwazi oluxhamliweyo ukuze uqinisekise ixabiso langoku. Emva kokuba usuqikelele ixabiso eliqikelelweyo, faka ixabiso lexabiso lezinto zonke kunye nezibophelelo kwiikholamu ezifanelekileyo zetshathi ngokusebenzisa izikhokelo ezinikezelwe kwi-akhawunti yebhanki kunye ne-akhawunti. 04 Hlanganisa iMilinganiselo yeempembelelo zePasonal
Iziphumo zomntu siqu, kubandakanya ubucwebe, ubugcisa, izixhobo zokulwa, iimoto kunye nezikebhe, kunokuba bukhohlise ngokwenene ngaphandle kokuvavanya ngokusemthethweni. Kwiimoto kunye neenqanawa, iya kwiwebhsayithi efana ne-NADA Guides ukuqikelela ixabiso labo. Ngezinto zokugqoka kunye nezinto ezinje, sebenzisa isigwebo sakho ngokubamba oko kuhlawulwa kwento nganye uze ubeke ingubo yokugqoka nokulila. Kwizinto zokulwa ezixabisekileyo, yenza i-intanethi ukukhangela into ethile ukuze ubone ukuba ubani uthengayo kwaye uyithengisa kwi-intanethi. Emva kokuba usuqikelele ixabiso elilinganisiweyo, faka ixabiso lemali yonke yazo zonke iikholeji ezifanelekileyo zetshathi ngokusebenzisa izikhokelo ezibonelelwe ngebhanki kunye ne-akhawunti yezobalo-mali, ubhale uluhlu lwazo zonke iimali-mboleko ezithengiweyo malunga nale nto "kwiimfanelo. "ikholomu. 05 Hlanganisa iMilinganiselo ye-inshorensi yobomi
Thatha i- inshorensi yempilo yakho kwaye ujonge amagama omnini kunye ne-insured kunye nenani elijongene nalo mgaqo-nkqubo ngamnye. Ukuba umgaqo-nkqubo awuyiyo ipolisi yekota, kwakhona thabatha ingxelo yangoku kwaye ujonge ixabiso layo langoku. Yongeza inani elipheleleyo lobuso beemigaqo-nkqubo ezisegama lakho kunye nobomi bakho kwikholomu yakho kunye nexabiso elipheleleyo lobuso bonke abakho kwigama lomlingane / lakho lomlingani kunye nobomi bakhe kwikholomu yomlingane / umlingani wakho. Yongeza inani elipheleleyo lemali yentengo yeemali zonke eziphantsi kwakho zobomi bomnye umntu kwikholomu yakho kunye nexabiso elipheleleyo lemali yeemigaqo-nkqubo eziphethwe ngumlingane wakho / iqabane kumntu womnye umntu kwikholam yabo. 06 Hlanganisa iMilinganiselo yama-akhawunti kaMhlala-phantsi
Thatha iikopi zeengxelo zakutshanje kuzo zonke iakhawunti zakho zotyalo-mali ezigcinwe kwizicwangciso zomhlala phantsi, njenge-IRAs kunye nama-401k. Bhala uluhlu lwamaxabiso abo bonke ama-akhawunti asele yomhlalaphantsi ngenzuzo yakho kwikholam yakho kunye nayo yonke i-akhawunti yomhlala-phantsi ye-spouse yakho / inzuzo yeqabane lakho kwikholam yabo. 07 Hlanganisa iMilinganiselo ye-Sole Proprietorship Inzala
Ngokubanzi, i-asethi, ephethe umnini-mhlaba yedwa uza kufakwa kwezinye iikholomu, ezifana ne-akhawunti yebhanki okanye iimpembelelo zomntu. Nangona kunjalo, wena okanye iqabane lakho / iqabane lakho linempahla engabonakaliyo kwigama lakho okanye ligama lakho lomlingani kunye nenxaxheba yoshishino, njenge-website ebalulekileyo enokuthengiswa kumntu wesithathu, kwaye uluhlu lwexabiso eliqikelelweyo kwikholam efanelekileyo. 08 Hlanganisa iMilinganiselo yokuBambisana kunye ne-LLC Inzala
Ukubambisana kunye ne-LLC ngamanye amaxesha kunzima ukuyixabisa ngaphandle kovavanyo lwentsebenzo olusemthethweni. Ngokubanzi, kunjalo, kufuneka ube nako ukuqikelela ixabiso elipheleleyo le shishini ngokuzongeza i-asethi yalo kunye nokukhupha amatyala alo. Xa unayo le nombolo, phinda ubambiswano okanye iqabane lakho lomlingani okanye ubulungu bebhanki ngenani kwaye ungeze inani kwikholam efanelekileyo yetshathi ngokusebenzisa izikhokelo ezibonelelwe nge-akhawunti yebhanki kunye ne-akhawunti. 09 Hlanganisa iMilinganiselo yokuThengiswa ngokuViweyo
Isitokisi esisondeleyo sinokukunzima ukuyixabisa ngaphandle kokuhlolwa kovavanyo olusemthethweni. Njengoko kunye nentsebenziswano kunye ne-LLC, kunjalo, kufuneka ukwazi ukuqikelela ixabiso langoku le-corporation ngokufaka ixabiso lempahla yalo kunye nokukhupha amatyala alo. Emva kokuba uqikelele le nombolo, phinda ipesenti yeqabane lakho / iqabane lakho lomlingani we-stock nombolo kwaye wongeza inani kwikholam efanelekileyo yetshathi ngokusebenzisa izikhokelo ezinikezelwe kwi-akhawunti yebhanki kunye ne-akhawunti. 10 Yongeza iimali ezihlawulwe kuwe
Ukuba wena kunye / okanye lakho iqabane / lakho iqabane libolekisele imali kumntu okanye kwishishini kwaye ubuyisele inqaku elibhaliweyo lokubhengezwa okanye inkokhelo, uze ubhale ibhalansi ekhoyo efunekayo kuwe kunye / okanye lakho iqabane / iqabane lakho kwiikholeji ezifanelekileyo zetshathi usebenzisa izikhokelo ezinikezelwe kwi-akhawunti yebhanki kunye ne-akhawunti. 11 Hlanganisa iMilinganiselo yee-Oyile, iGesi kunye neNgcaciso yamalungelo
I-oyile, igesi kunye namalungelo amaminerari nako kunzima ukuyixabisa ngaphandle kokuvavanya ngokusemthethweni. Qala ngokuqwalasela nayiphi na ingxelo efunyenwe kule mibalelo, okanye ungeze imali engenayo evela kule mibalelo kunyaka owedlule. Ukuba inzala izuze ilifa, tshekisha amalungu omndeni ukuba abone ukuba unokukunika ixabiso eliqikelelweyo. Emva kokuba ufumene ixabiso, yongeza kwikholam efanelekileyo yetshathi ngokusebenzisa izikhokelo ezibonelelwe kwi-akhawunti yebhanki kunye ne-akhawunti. 12 Hlanganisa iMilinganiselo yeZakhiwo zeMpahla
Ixabiso lempahla linokuba nzima ukulixabisa ngaphandle kokuhlolwa kovavanyo olusemthethweni. Khangela iiwebhsayithi ezifana nezillow.com ukuze uqikelele ixabiso lemarike elungileyo , okanye ukhangele uluhlu lwendawo kwindawo ephepheni lakho ngezinto ezifanayo eziye zithengiswa kwindawo. Omnye umthombo werhafu yerhafu yepropathi eya kunika isixeko okanye ukulinganisa okwangoku kwenani lepropati. Emva kokuba ufumene ixabiso, yongeza kwikholam efanelekileyo yetshathi ngokusebenzisa izikhokelo ezibonelelwe nge- akhawunti yebhanki kunye ne- arhente kwaye uluhlu lweemali ezilinganiselwe zonke zakho zemali ekhompyutheni. 13 Bala ixabiso lakho
Ngoku ukuba ugcwalise ishati, yongeza zonke iinombolo kwiikholamu nganye. Emva koko, thatha iitotali ozibalile kwikholam yakho, ikholomu yomlingane / umlingani wakho kunye nekholamu edibeneyo kwaye ungeze le manani ndawonye. Emva koko, thabatha oku kudibeneyo kwaye uthabathe kuyo kuwo inani elipheleleyo elibhalwe kwikholomu "yamatyala". Ekugqibeleni, thabatha le nombolo uze uyibhale phantsi kumgca omiselweyo. Kwaye kunjalo, ubale ngokusemthethweni oko wena kunye / okanye lakho iqabane / iqabane lakho lifanelekileyo ngoku.