Ungazijonga njani ukuba ulungele ukuba ngumnini wezindlu
Ngaba awuqinisekanga ukuba ingaba unako ukuwufumana okanye awukwazi ukuwufumana?
Ungaxhalabi. Nantsi inkcazo.
Isinyathelo sokuqala kwinkqubo kukujonga iindleko zakho zangoku.
Ngaba Unamatyala?
Ngaba unayo nayiphi na inzala ephakamileyo, njengetyala lekhadi lesikweletu?
("Ngomdla ophezulu," ndibhekiselele kwi-matyala ngenani lentengo engaphezulu kwama-8 ekhulwini.)
Ukuba kunjalo, awulungele ukuthenga ikhaya okwamanje. Gxininisa ukubuyisela amakhadi akho ekwereta ngaphambi kokuba uqale ukuthenga indlu.
Ngoba? Imali yakho yokubolekisa ayiyena kuphela umrhumo oza kuwuhlawula. Xa unayo ikhaya, unembopheleleko yokuhlawula iindleko kunye nokulungisa iindleko.
Ukwahle kakhulu ukuba ufuna ukuhlobisa kwaye unikezele ikhaya lakho, eliza kubongeza kwiindleko zakho. Uya kufuneka uhlawule ukuhlolwa kunye neendleko zokuvala, ezinye zazo ziya kuphuma ephaketheni.
Ngaphandle kokuba ufumane iNgxowa-mali ye-Veteran's (VA), kuya kufuneka uhlawule phantsi kwentlawulo kwindlu.
Ngamafutshane, ukuthenga indlu kuyabiza. Ukuba unetyala, awunalo ikhono lokwenza zonke ezi ntlawulo.
Cinga ngerenti njengexabiso lomonde, ukucacisa umbhali uDave Ramsey. Gxila ekunqobeni inkokhelo yekhadi lakho lekhredithi ngaphambi kokuba ungeze uxanduva lwemali kwisitya sakho.
Ngaba Unako Ukulondolozwa Ngokukhawuleza?
Akukho matyala? Ndiyakuvuyela.
Nanku umbuzo olandelayo: unayo ingxowa-mali engxamisekileyo ?
Gcina iinyanga ezintathu ukuya ezintandathu zeendleko zakho zokuphila ezibekwa bucala kwi-akhawunti yokulondoloza ongeyithinti ngaphandle kokuba ubhekane nexakeka lokwenene (njengokulahlekelwa ngumsebenzi wakho).
Akuyona imali oyisebenzisayo ngezipho zeeholide. Yimali oyifakayo xa imoto yakho idiliza ngeveki enye ibhanki enkulu yesibhedlele ifunekayo.
Ukuba awunayo ingxowa-mali yongxamiseko, unesipinki esisodwa esivela kwintlekele yezimali.
Ngaba Uyalondoloza Umhlalaphansi?
Emva koko, zibuze ukuba ugcina ngokwaneleyo umhlalaphantsi.
Ukuba unesicwangciso sokuthatha umhlala-phantsi emsebenzini, njengama-401k , kufuneka ubuncinane unikezele ngokwaneleyo ukufumana umlingani opheleleyo womqeshi.
Ukuba awunayo icebo lomsebenzi, vula i-IRA kwi-brokerage efana neVanguard kunye negalelo ubuncinane ubuncinane kwi-10 ukuya kwe-15 ekhulwini lakho lokuhlawula.
Awuyidingi iphakheji yeenzuzo zomqeshi ukuvula i-IRA, kungenxa yoko abaninzi abantu abaqeshwe ngabanye, kunye nabantu abasebenza kwimisebenzi ngaphandle kweenzuzo, bakhetha ukuvula enye.
Ngaphambi kokuba uthenge indlu, qiniseka ukuba usindisa ubuncinane iipesenti ezili-10 - okanye i-15 ekhulwini-yokuthatha umhlalaphantsi.
Khangela iBhajethi yakho
Ekugqibeleni, xa usudlulile le nyathelo, lixesha lokujonga ibhajethi yakho.
Ngaba unako ukuthenga iindleko zokuthenga ikhaya (okanye ukuthengiswa ukusuka ekhaya lakho langoku)?
Njengomthetho wesithupha, iindleko zakho ezihambelana nekhaya (kubandakanywa nezibonelelo) kufuneka zingabi ngaphezu kwama- 35 ekhulwini lomvuzo wakho jikelele , ngokubhekiselele kwisabelo-mali sesigaba-5 sikaJean Chatzky.
Ngamanye amagama, ukuba ufumana i-$ 2,000 ngenyanga, iindleko zakho ezihambelana nekhaya kufuneka zingabi ngaphezu kwama-700. Ukuba ufumana i-$ 4,000 ngenyanga, iindleko zakho zasekhaya akufanele zize zingabi ngaphezu kwama-$ 1,400.
Khumbula ukuba awuyi kuhlawula iindleko zemali (okanye irente). Njengomnini wezindlu, uza kuhlawula iindleko ezongeziweyo ezifana nokulungiswa, ukugcinwa nokulungiswa.
Qinisekisa ukuba unegumbi elaneleyo lokubhajethi yakho. Isixa-mali sazo zonke iindleko ezinxulumene nekhaya kufuneka zingabi ngaphezu kwe-$ 1 kuzo zonke i-$ 3 ezikufumanayo.
Uya kuyidinga yonke imali yakho ngokunye ukuthenga, njengokutya, kunye nokulondolozwa.
Zonke iimpahla zakho ezifunekayo - kuquka nerenti yakho okanye i-mortgage, i-utilities, i-petroli, ukutya, iirhafu zeemoto kunye ne-inshorensi-kufuneka ungabi ngaphezu kwama-50 epesenti yengeniso yakho, ngokwe-Elizabeth Warren ye-budget ye-50-30-20.
Esi sicwangciso sichaza ukuba kufuneka ulondoloze okungenani iipesenti ezingama-20 yengeniso yakho. Ndincoma ukubeka eceleni ubuncinane i-10 ukuya ku-15 ekhulwini kwi-akhawunti yomhlalaphantsi, kunye namanye ama-5 ukuya kwe-10 kwi-akhawunti yokulondoloza de ube ne-efanelekileyo yengxowa-mali.
Emva koko, faka ama-5 ukuya kwe-10 ekhulwini kwi-fund yokugcina imali yekholeji, imali yokulungisa ikhaya, ukudala imali yokuthenga izinto ezithengayo, okanye utyalomali imali kwi-index ye-index index.