Ezi zinto zibalulekile ukuqwalasela ngaphambi kokuba uqale utyalo-mali.
Ngaba Unemali Efanelekileyo?
Kufuneka ujonge apho uhlala ngokwezimali. Akunangqiqo ukutyalo imali xa unetyala elininzi kwaye akukho ukugcinwa kwesandla kwiimeko ezikhawulezayo. Ngokucima ityala lakho (ngokukodwa ityala lekhadi lesikweletu ) kunye nokulondolozwa kwimeko engxamisekileyo, uya kukhulula enye imali yakho yokutyalomali. Thatha ixesha lokuphuma kwetyala . Eyona nto, i- fund yakho yexakeka kufuneka ibe phakathi kweenyanga ezintathu ukuya kweyesithandathu zeendleko. Ukuba inkundla yakho yomsebenzi ingaqiniseki okanye usebenza ngokuzimeleyo, kufuneka uhambe kunye neenyanga ezintandathu ukuya kunyaka wokugcina. Awufuni ukutsala imali oye utyalomali; Kubalulekile ukuvumela ukuba ikhule.
Yintoni oya kwenzayo ngemali?
Kufuneka uqinisekise nokuba uceba ntoni ukwenza nemali otyalo-mali. Ukuba uceba ukuwusebenzisa ukuhlawula indlu okanye ukuhlawula ikholeji, ukhetho lwakho lokutshala mali luya kuhluka kunokuba uceba ukuwusebenzisa umhlalaphantsi.
Ukuba uceba ukuwusebenzisa kwiminyaka emihlanu ezayo, uya kuba ngcono xa ukhetha i-akhawunti ekhuselekileyo yemali yakho. Ungaqwalasela i-akhawunti yemarike yemali . Ukuba ukhangele ixesha elide kuneminyaka emihlanu, unokuba nobudlova kutyalo-mali lwakho kwaye unokuqwalasela iimali kunye neemasheya.
Ukuba uceba ukuwusebenzisa umhlala-phantsi kwangaphambili, uya kufuna ukutyhala ngaphandle kwe-akhawunti yomhlala phantsi ukuze ukwazi ukufikelela kwiimali ngaphambi kokuba ube ngu-59 1/2.
Ngaba Uyakwazi Ukukhethwa Kwetyala Lakho?
Ukuba okokuqala ngethuba utyalo imali , kubalulekile ukuqaphela ukuba uza kwenza imali engakumbi ngokushiya imali yakho kwingxowa-mali efanelekileyo, ngoko uya kuwuhambisa phakathi kweempahla ezihlukeneyo kwangoku. Ngelixa unako ukwenza imali ngaloo ndlela, kuthatha ukuqonda okuqinileyo kwimarike yemasheya, ixesha elininzi kunye ne talente yangempela. Unokuba nomntu othanda ukwenza lo shishino ngabanye kodwa uhlale uqaphele. Kulula kakhulu ukulahlekelwa konke. Kufuneka uqwalasele zonke iinketho ezikhoyo kuquka ukuthengwa kwezindlu.
Ngaba Ufuna Umcwangcisi Wezezimali?
Kufuneka ujonge umcwangcisi omhle wezemali. Umcwangcisi wakho wezemali kufuneka aqonde iinjongo ozama ukuzifezekisa kwaye kufuneka akunike iinketho ezininzi malunga nokuzifezekisa. Kufuneka uqonde ngokucacileyo ingozi ehambelana nenye mali-mali phambi kokuba uzinikele kuyo. Ukuba umcwangcisi wakho wezezimali akakwazi ukuchaza utyalo-mali, kufuneka ufune enye entsha. Umcwangcisi wakho wezemali usebenza kuwe, kwaye ngoko akufanele ufanele uxubushe naye ngezinto.
Unokufumana umcwangcisi wezemali kwi-bhanki yakho okanye ngokuthumela. Umcwangcisi wezemali unokukunceda ukuba unqume ukuba ungakanani ukulondoloza kunye notyalo-mali ukuze ufikelele kwiinjongo zakho njengokuthatha umhlalaphantsi kwangaphambili okanye ukuhlawula iikholeji yabantwana bakho. Unokukunceda uqonde uhlobo olulungileyo lweeakhawunti kwiinjongo ezithile, njengengxelo ye-529 yokugcinwa kwekholeji okanye i-akhawunti engundoqo yokutyalomali ukuba ufuna ukuhlala phantsi.
Ziziphi iindlela ezifumanekayo kum?
Zisebenzise iingxowa-mali eziphathekayo ezinokukhethwa kootyalo-mali bokuqala. Unyulo oluninzi luvumela utyalo-mali oluphantsi. Ezi zinto zinkulu kuba yenza kube lula kubatyalo-mali bokuqala. Ukongezelela, ezinye iimali zivumela ukuba uqalise uxwebhu oluzenzekelayo lwenyanga nganye ukukunceda ukuba ugweme utyalo-mali ophezulu. Kufuneka uqwalasele ngenyameko iindleko zokusebenza kunye nokubuya kweminyaka ngonyaka .
Khumbula ukuba imali iya kuhamba ngamaxesha aphakamileyo aphantsi kwaye kufuneka ugibele amaxesha aphantsi ukuze wenze imali. Kwakhona kubalulekile ukuqwalasela ezinye iindlela onokuzifaka ngayo kubandakanya ukutyalomali kwezakhiwo.