Yisikhathi Sokubaluleka Ngokucwangcisa Kwakho Umhlala-phantsi
Ukuqhubekiswa kweeProjections usebenzisa i-Calculator Calculators
Ukuba awukwenzi naluphi na uhlobo lokuqeshiswa komhlala phantsi, qalisa ukudlala ngeenxa zonke nabaqashi be-retrait online .
Bangakunceda ukuba ufumane ingeniso engakanani enokuyifumana emhlala phantsi enikezelwa imali yakho yangoku yokulondoloza kunye notyalo-mali.
Kodwa nantsi ilizwi lesilumkiso: Nangona ii-calculators ze-intanethi zikhululekileyo zingakunika uhlolo olubanzi lwezinto ezichaphazelekayo zesicwangciso sakho somhlala-phantsi, zisekelwe kwiingcinga. Uyayazi inkunkuma-yexesha elidala, inkunkuma. Uninzi lwabahlawuli be-calculator yomhlalaphantsi abukhombisi kakuhle kwiirhafu. Oku kungenza umehluko omkhulu kwimiphumo. Unokufuna ukucela uncedo lomcwangcisi womhlalaphantsi ofanelekileyo ukuze akuncede ekubetheleleni ukucaciswa okubanzi.
Fumana i-Handle kwi-Spending
Akukho mntu uthanda ukuwuva, kodwa indlela ekhawulezayo yokugcina ngaphezulu kukuchitha imali encinane. Ukunciphisa indlela yakho yokuphila kwindleko encinci kunokukuvumela ukuba ulondoloze ngakumbi ngoku , kwaye kuya kukunciphisa ubuncinane ukuba ugcine umgangatho wakho wokuhlala phantsi. Unokufumana ukuphatha kakuhle kwimichimo yakho yokuchitha imali ngokugqiba iphepha lokusebenzela lomhla wokuhlawula umhlalaphantsi .
Futhi ungayigcineli iindleko ze-inshorensi yezempilo xa uhlahlo lwabiwo-mali. Jonga ngokukhawuleza iindleko zakho zokunakekelwa kwempilo kwi-retrait phambi kokuba wenze iiplani ezisisigxina, ngakumbi ukuba uceba ukuhlala phantsi ngaphambi kokufikelela kwi-Medicare yobudala. Zingaba zibiza ngakumbi kunokuba ungalindela.
Zi fundise
Unokukwazi ukufezekisa iinjongo zakho zomhlalaphantsi xa uqonda zonke iinketho ezikhoyo kuwe.
Funda iincwadi, ubhalisele ukuxhasa amaphephancwadi , kwaye uye kwiiklasi ukuqala ukufunda ngeendlela zokutyalomali ngendlela elula kwaye ulondoloze ngaphezulu. Uyakufuna kwakhona ukufumana iintloko kwiimali malunga neakhawunti yomhlalaphantsi kunye nendlela ezitshintsha ngayo xa ufikelela kwiminyaka ethile .
I-caveat? Umxholo we-intanethi, iincwadi kunye neeklasi zizo zonke izixhobo ezintle kodwa kunokuba kunzima ukufumanisa ukuba isiphi isiluleko sisebenza kakuhle kwiimeko zakho. Kwakhona, uncedo olusisigxina kumcwangcisi womhlalaphantsi okanye oyingcali unokukunceda ukukhokela izigqibo zakho.
Gxila kwiMisebenzi Yakho
Ukufumana umsebenzi oyithandayo uyakuba sisisombululo esipheleleyo. Unokufuna ukuhlala kubasebenzi ixesha elide ukuba unandipha into oyenzayo. Kwabaninzi abantu, amandla okufumana enye yezona zinto zixabisekileyo. Musa ukukhawuleza ukuyiyeka. Khangela iindlela onokufumana imali eyongezelelweyo ngokuzonwabisa kunye nezakhono ezonwabileyo ukuba awuyilo uhlobo lomsebenzi kwaye awufuni ukukhangela ixesha elide.
Ukuba uzimisele ukuyeka ukusebenza kumahlanu akho, qhubeka ucinga ukuba kuya kufuneka ucwangcise ixesha elide lomhlalaphantsi. Unokufuna iimali zokugcina iminyaka engama-35 ukuya kwe-40 kuneminyaka engama-20 okanye kwi-30. Kuya kufuneka ulondoloze ezininzi.
Invest and Save, Musa ukuCacisa
Ufanele ukwazi ukubala imali yakho yokuthatha umhlala-phantsi ekhona kuwe, ngoko ngoku akusiyo ixesha lokucingisisa.
Funda oko kuthetha ukuthatha iphothifoliyo , yenze njalo. Yakha enye efanelekileyo kwiinjongo zakho. Musa ukuzithemba "kwiingcali zotyalo-mali" ezenza izithembiso ezingenangqiqo.
Yaye khumbula ukuba akukho nto efana nesidlo sakusihlwa samahhala okanye utyalo-mali olugqibeleleyo. Akukho nto inika ukhuseleko olupheleleyo ngaphandle kwengozi. Nangona kuthiwa u-"ukhuselekileyo" utyalo-mali, ubeka umngcipheko ukuba izinga lakho lokubuyisela liya kuba ngaphantsi kwexabiso lentengo kwaye uza kulahlekelwa amandla okuthenga ngokuhamba kwesikhathi. Okukhethiweyo kwakho kukudala ukuxuba utyalo-mali kunye namazinga ahlukeneyo omngcipheko wotyalo-mali .
Hlaziya iSicwangciso sakho rhoqo
Ngokugqithiseleyo ubheka kwiimali zakho, mhlawumbi ufanele wenze inkqubela phambili. Cinga ukusebenza ngendlela yakho ngokusebenzisa uluhlu lokuhlola umhlalaphantsi . Emva kokuba ufumene yonke indlela ngokusebenzisa uludwe, qalisa ukuqhuba ukuhlaziywa kwonyaka ngokuqala phezulu kwaye usebenze indlela yakho yehla kwakhona, ukuhlaziya njengoko uhamba.