Yilungile kwaye uza kuba nomhlalaphantsi okhuselekileyo.
1. Cwangcisa, cwangciso, cwangciso
Enye yeengcaphuno zam ndithandayo, nguJim Rohn, uthi, "Ukuba awuyi kuyila isicwangciso sakho sokuphila, amathuba okuba uza kuwa kwisicwangciso somntu.
Yaye uqikelele ukuba baceba ntoni? Hayi kakhulu."
Ingaba unyaka owodwa ukusuka kumhlala phantsi, iminyaka emihlanu kude, okanye kwiminyaka elishumi elinesihlanu ngaphandle, qalisa ukucwangcisa ngoku. Funda yonke into onokuyenza malunga neendlela zokufumana umhlalaphantsi kunye nokutyalomali. Abo bacebayo baya kuba nemali engenayo yomhlalaphantsi kunabo abangenayo.
Enye yezindlela onokuzicwangcisa kukusebenzisa i-spreadsheet ye-Excel okanye isiqendu sephepha legrafu uze uqale ukubeka isicwangciso sakho sokufumana umhlalaphantsi ngendlela yexesha lomzuzu. Oku kukukunceda ubone ngokubonileyo okuza kuza nokuphuma. Ungakwazi ukudlala ngeenxa zonke kunye nabafundi be-calculator engenayo kwi-intanethi, kodwa qaphela ngokucinga kwakho. Isicwangciso sikulungele nje ngokucinga. Ngokomzekelo, ukuba ulindele ukufumana iindleko zokutsalwa kotyalomali, oko kuthetha oko kukho isiqingatha sexesha oza kufumana umphumo ongaphantsi kwemilinganiselo. Umyinge wenziwa ngamaxesha amahle kunye namaxesha amabi.
2. Funda njengokuba Uneminyaka emihlanu
Esikhundleni sokucinga ngokubuyiswa kotyalo-mali, ngoku yisikhathi sokucinga malunga nezicwangciso zokutyalomali eziya kukhulisa ukunyaniseka kwenkcitho yakho yomhlala-phantsi. Unokudinga ukuthetha oku kusuka kumbono omtsha kunye neendlela endala zokucinga.
Isicwangciso sengeniso yokuthatha umhlala-phantsi esiqulethekileyo siquka ukudibanisa imithombo yemali engenayo ehlawulwayo yomhlalaphantsi kunye notyalo-mali olunikezela ukukhula okwaneleyo ukuvumela ukuba ingeniso yakho ihambe ngokunyuka kwamaxabiso.
Oku kufuna indlela eyahlukileyo yokutyalomali kuneyona nto abantu abaninzi abajolise kuyo ngexesha lokuqokelela kwabo. Ugxininiso awusayi kuzuza i-returns ephezulu - ngoku kugxininise ekuqinisekiseni umphumo othembekileyo.
Njengoko ucwangciso lwakho lufumana ulwazi olunzulu luya kufuna ukuphendula imibuzo efana nokuba ufanele ukuhlawula umboleko ngaphambi kokuthatha umhlalaphantsi. Ukuba unesicwangciso somhlala-phantsi uzakufuna ukujonga iinkonzo kunye neqhinga lokuthatha isamba semali ngokubhekiselele kumhla wokuphila. Ezi zigqibo zinokuchaphazela enkulu ukhuseleko lwakho lomhlala-phantsi ukwenzela ukuba ufune ukwenza uphando lwakho kunokuba uphendule. Futhi ungathembeli kwingcaciso endala oyivile. Kukho ininzi yemali ye-myths ngaphandle apho ayinyani.
Siphinde sibone abantu benza izigqibo ezimbi kuba baye bathetha ukwenza into efanayo nomhlobo okanye umlingani wabo ngaphandle kokuvavanya indlela eso sigqibo sisetyenziswa ngayo kwimeko yabo. Izigqibo ezinokuthi ummelwane wakho okanye usebenza kunye naye angabi yizigqibo ezifanelekileyo kwiimeko zakho. Isigqibo ngasinye sifanele sihanjiswe ngengqondo evulekile.
3. Nika Ngengqiqo "Xa"
Nangona unokuba uxhalabele ukuba uthathe umhlalaphantsi, uya kufuna ukulinganisela ubungqina kunye neengxaki zokuhlala phantsi.
Ukuthatha umhlala-phantsi kwangaphambili, intsingiselo ngaphambi kokuba ufinyelele kuma-65, kufuna ukugcinwa okungakumbi okanye ukuzimisela ukuhlala ngaphantsi. Enye yeendleko ezinkulu zokuqala zomhlala-phantsi ozijongene nazo ziindleko zempilo. Xa usufikelele kwiminyaka eyi-65 i- Medicare iqala kwaye ezinye zeendleko zixhaswa. Kuze kube ngoko, iiproyamu zonyango zempilo zonyango zingaba zikhulu.
Ukongezelela, ukukwazi kwakho ukufumana ubomi kuyimpahla enamandla; musa ukukhawuleza ukuyinqumla. Kwihlabathi lezezimali, sibiza ngokuba yi-asethi yakho yempahla. Kubantu abaninzi, umsebenzi wabo ungenye yezinto eziphathekayo abanayo kwaye ukuwuphelisa ngaphambi kokudala kunokubiza.
Ukukhetha ixesha elifanelekileyo lokuthatha umhlalaphantsi kunokuthetha ukuba umehluko phakathi komhlalaphantsi onomdla, okanye ochaphazelekayo ngemali.
4. Bala i-After-Tax Income
Unokuhlawula imali encinci kwerhafu, ungenakho.
Ungasebenzisi izicatshulwa okanye ukuqagela njengoko kungenzeka ukuba ziphosakele. Abathathe umhlala-phantsi basoloko bexhomekeke kwiirhafu ezichaphazelayo ngexesha lokuthatha umhlalaphantsi. Ngamanye amaxesha bayalibala malunga nentlawulo ngokupheleleyo. Ngokomzekelo, ukuba usebenzisa umthetho wesithupha njengombuso we-4% ungacinga ukuba unako ukurhoxisa i-$ 4,000 kwi-100,000 ye-100,000 yokugcina imali. Kodwa kuthekani ukuba loo $ 100,000 i- IRA okanye i- 401 (k) ? Emva kwentela, oku kunokushiya nge-$ 2,000 kuphela-$ 3,000 ukuchitha.
Xa ucwangcisa umvuzo wempesheni, sifunde ukuba yeyiphi imvelaphi yengeniso yomhlalaphantsi iya kubhatalwa . Emva koko uqikelele ingeniso yakho yerhafu emva kokuba uyazi ukuba uza kuba neentlawulo eziphilileyo. Gcina ukhumbule ukuba izinto ezininzi ziya kutshintsha ngexesha. Ukuba uhlawula imali yakho yokubambisa unako ukuhlawula okuncinane. Njengoko ukhula uza kufuneka ukuba uthathe ngaphezulu kwe-IRA yakho echaza imali engenayo engenayo kwaye mhlawumbi izinga eliphezulu leerhafu. Xa kuqaliswa ukukhuselwa kweNtlalo, ingahlawuliswa.
Ndiyathemba, uya kuhlala kuphela. Ukuba wenza isicwangciso sakho sokulungelelanisa, uza kuguqulwa ngempumelelo kwimali yomhlalaphantsi. Ukusebenza ngongcali omkhulu werhafu okanye umcwangcisi wokuthatha umhlala-phantsi ofanelekileyo unokunceda ukuzisa ngokuchanekileyo kwezi zicwangciso ukwenzela ukuba ufake umhlala phantsi ukwazi kakuhle ukuba ulindele ntoni.