Ingxaki yokuhlawula amatyala kuphela
Ukuba uhlawula ityala lakho kuqala kwaye ungayifaki imali kwi-savings, ke akukho nto ngaphandle kwekhadi lakho lekredithi ukubuyela emva xa kukho imeko engxamisekileyo yezemali.
Ngelishwa, ungathembela kuhlobo oluthile lweendleko ezizayo, kwaye ngokuqhelekileyo xa ungalindelekanga. Ukusebenzisa amakhadi akho ekhredithi ukuxhaswa ngxakeko kwimeko engxamisekileyo kwenza kube nzima ukuhlawula ityala.
Ukulahla ukugcinwa kwakho komhlalaphantsi kuya kuba nemiphumo emibi. Xa usalinde ukuba uqale ukugcina, kufuneka ubeke eceleni nganye inyanga ukuhlangabezana nomgomo wakho wokuthatha umhlalaphantsi. Ukuba uqala ukulondoloza ngaphambili, ufumana inzuzo yeminyaka kunye neminyaka yenzalo yenkomfa kwi-investment yakho.
Kwaye Ingxaki Ngokulondoloza kuphela
Ngakolunye uhlangothi, ukuba ungagcina kuqala kwaye ungagxininisi ekuhlawuleni phantsi kwetyala lakho, ugqiba ukuchitha imali kwi-card interest interest card. Ekubeni iirhafu zamatyala ekhredithi zihlala ziphakamileyo kunamazinga omlinganiselo wokulondoloza, usuphelisa ukuchitha imali eninzi kwimali enetyala kunokuba ufumana imali.
Enye ingxaki yokugcina okokuqala kukuba ubeka ingozi ekungeneni umhlalaphantsi ngetyala. Unokufumanisa ukuba awukwazi ukuhlala ngokukhululekile ngokugcinwa kwakho komhlalaphantsi kwaye uqhubeke uhlawula ityala lakho.
Ngoko kufuneka uhlalise kakubi kwaye uhlawule ityala lakho okanye ubuyele emsebenzini uze uhlawule amakhadi akho ekwereta.
Xa Ukugcina Kungabaluleke Kakhulu
Ukuba awunayo ingxowa-mali yongxamiseko okanye nayiphina imali yokugcina imali ungakwazi ukufikelela ngokukhawuleza kwimeko engxamisekileyo, uze uthathe iinyanga ezimbalwa ukwakha enye. Ingxowa yenkxalabo yongxamiseko iinyanga ezili-6 ukuya kwezilishumi elinambini zeendleko zokuhlala, kodwa kunokuthatha iminyaka emininzi yokwakha olo hlobo lokugcina.
Kwixesha elifutshane, gxininisa ekwakheni i-fund yangama-$ 1,000 eyoxakeka kwingxowa-mali. Le mali iya kubambisa ezininzi iinkxalabo ezincinci ezifana nokulungiswa kwemoto eza kuhlawuliswa kwikhodi lakho lekhredithi. Xa usuqaqa i-fund yakho yexakeka, ungagxininisa ekuhlawuleni ityala lakho.
Se benzisa umnikelo wakho womqeshi ukulinganisa iminikelo yakho 401 (k) icebo. Musa ukuguqula imali yamahhala. Kukho neenzuzo zerhafu ukugcinwa komhlalaphantsi. Imali oyifake kwi-401 (k) inokuthi ingabandakanywa kwiholo lakho elihlawulwa irhafu, okubangela umthwalo werhafu ogqithisileyo. Nangona usebenzisa umqeshi umlinganiso wama-401k, unokwazi ukunciphisa imali yakho kwaye usasebenzisa imali eninzi ehlawula ityala lakho.
Ukususela kumbono wezemali, ukuba inzala yenzalo yakho iyancinci kunomlinganiselo wentsingiselo kulondolozo lwakho okanye utyalo-mali, ngoko uza kufumana ukubuyiswa okuphezulu ngokulondoloza ngokumalunga nokuhlawulwa kwetyala. Oku kudla njalo kwimeko yokubolekwa kwezinga eliphantsi lomyinge. Nangona kunjalo, amatyala amatyala kwaye kwanabahlawuli-mali abanomdla ophantsi-mali banciphisa umthamo wakho kwaye bakwenza uzive ukhululekile.
Impendulo Iyabini
Ekugqibeleni, kufuneka ufumane umlinganiselo phakathi kwemali oyisebenzisayo kwikota kunye nokulondoloza inyanga nganye. Akulungile ukucima enye yale ndawo esikhundleni senye uze uze nendlela yokwahlula imali phakathi kwababini.
Umzekelo, ukuba unayo i-$ 1,000 eyongezelelweyo inyanga nganye, unokubeka i-$ 500 kwisikwere sakho kunye ne-$ 500 ukuya kulondolozo.