Nguwuphi u-10% uMthetho wokuSindisa?

Kutheni i-10% yoMthetho wokuSindisa ayiSebenzi kubo bonke

Umthetho wokulondolozwa kwe-10% uthi kufuneka ugcine i-10% yengeniso yakho yomhlalaphantsi. Ukuba awunayo ingcamango yokuba uyakusindisa, ikunika indawo yokuqala, kodwa oku akusikho ubukhulu obufanayo-bukhulu-bonke; ezinye izikhokelo eziqhelekileyo ezingasebenza kuwe.

Enyanisweni, ukwenza okungakumbi, kwaye kamva uqala ukugcina, okunye okufuneka ukulondoloze. Ukuba uqale ukugcina kwiminyaka engama-20 kwaye ugcine ugcine u-10% wezinto zonke ozenzile, umthetho wokulondoloza u-10% uza kusebenza.

Kodwa zingaphi i-20-iziganeko ezenzayo?

Uninzi lwabantu lufumanisa kwiminyaka yabo-40 okanye i-50 xa beqala ukucinga ngokusindisa umhlalaphantsi. Ukuba nguwe, kwaye umsebenzi wakho wenza kakuhle, isantya se-10% sokulondoloza mhlawumbi asiyi kuba neleyo. Kodwa i-10%, okanye nayiphi na imali yokulondoloza rhoqo, ingcono kunanoma yintoni.

Iphi i-10% yokulawula umsebenzi?

Wonke umntu unemeko eyahlukileyo yemali; ubudala obuhlukeneyo, iimeko zomtshato, inani lempesheni, imisebenzi, njl. Akukho ndlela enye yokugcina imali engasetyenziswa kuzo zonke iimeko ezahlukeneyo.

Ukuba ungumvuzo ophezulu, uza kufuna ukugcina ngaphezulu kwe-10% yengeniso yakho ukuba ufuna ukugcina indlela efanayo yokuphila. Enye indlela yokugcina ngaphezulu iya kuba yindlela yokuphila ecetywayo xa ushiya umhlalaphantsi-ikhaya elincinci, iimoto ezingabizi, ukupheka kwamakhaya, njl.

Kuthekani ukuba awukwazi ukugcina i-10%?

Ukuba awukwazi ukugcina i-10% yengeniso yakho, ungadikibala uze uphele.

Jonga kakuhle iinjongo uze usethe injongo yokugcina ongayifumana. Ukuba usanda kuphuma kwisiqhawulo somtshato, ukulahlekelwa ngumsebenzi okanye ukufa komlingane, kuya kuthatha ixesha lokufumana imali yakho. Nazi i- 8 Isinyathelo sokuqala ngokuSetyenziswa ngokwezeMali Emva kweminyaka engama-50 .

Ukuba awukwazi ukugcina ngokwaneleyo ngenxa yokuba ungaphezu kwe-spender, qwalasela ngokuphila ngendlela yakho.

Hlola iintlobo ezi-5 - kunye ne-Money Mistakes Zenza ukuba zibone ukuba yintoni ebangela ukuba ungaphaya kwemali. Uya kufumanisa ingqiqo kwi- 5 Iimpawu eziphambili kuBudlelwane bakho nemali .

Ufanele ulondoloze kuphi?

Emva kokuba uzinikezele ukugcina, umbuzo wukubeka phi imali yakho? Okokuqala, qiniseka ukuba unengxowa-mali yengxamisekileyo . Xa sele ukhona unokubheka i-akhawunti yomhlalaphantsi. Nazi izixhobo ezimbalwa zokuncedisa:

• Ndingaba negalelo elingakanani kwisicwangciso sam 401k?
• IRA yesithethe okanye iRoth IRA? Indlela yokuchonga okulungileyo.

Ingaba isantya se-10% sokulondoloza iphezulu kakhulu?

Ngokumangalisayo ngokwaneleyo, abanye abantu basindisa kakhulu. Emva kokuba unelisekile (kunye neyona ncinane) ukuze uhlawule ngempilo yokuthatha umhlala-phantsi ofuna ukuyikhokela, unqande ukugcina imali yakho yomhlalaphantsi. Abantu abakwiloo meko kwaye ke bayaqhubeka nokuxhomekeka kokunye okongeziweyo kunye nokugcina ngaphezu konyaka ngamnye basindisa. Kanye njengokuba kunzima ukufumana abanye abantu ukuba basindise ngaphezulu, kuba ngumzabalazo wokufumana abangaphezu kwe-save save the less and use some of their money to enjoy some things.

Ndingayigcina Kangakanani?

Kukho ininzi yemithetho-ye-thumb njengolawulo lwe-10% kodwa zonke ziqhelekileyo kwindalo kwaye aziqwalasele iimpawu zakho zemali ezizodwa.

Unokufumana i-calculators kwi-intanethi ephonsa phantsi kwiimali zakho kwaye ikunike ukuqikelelwa okuchanekileyo kokungakanani ukugcina kodwa indlela engcono kakhulu ihlangane nomcwangcisi wezemali. Baya kujonga lonke ulwazi lwakho kwaye benze isicwangciso sokugcina esiza kukumisela kwimpumelelo kamva ebomini.