Kubalulekile ukumisa nokufikelela kwiinjongo zemali. Isicwangciso semali eside ixesha elide siya kukunceda ufikelele kwiinjongo zakho zexesha elide kwaye kukunikezele ingqalelo kwiinjongo zakho ezifutshane. Inokukunceda ukuba uyeke ukwenza izigqibo zemali ngokusekelwe kwimoyiko kwaye kukuncedise ukuba ufumane umyalelo wemigangatho yakho yobomi . Esi sicwangciso siya kuhluka kumntu ngamnye kwaye umcebisi wezezimali angakunceda uqine isicwangciso, ngakumbi xa ulungele ukuqala ukutyalomali. Xa usilandela ngempumelelo isicwangciso sakho ungafuna ukucinga ngokubuyisela ngeminikelo okanye ngokuzithandela. Isicwangciso sakho sezemali siya kunceda wenze ukhetho oluhle lwezemali , ngoko unokuzibeka ukuze uphumelele ngemali ngokulawula ngokwenene imali yakho .
01 Ibhajethi ngempumelelo
Nangona uhlahlo lwabiwo-mali lubonakala lufana nomsebenzi omninzi okanye oluphambili xa ucinga ngokudala isicwangciso-mali sexesha elide, sisisitshixo kwimpumelelo yangempela yemali. Uhlahlo lwabiwo-mali olulungileyo luya kulungiselelwa ukwenza isinyathelo ngasinye sezimali njengoko sifika. Kufuneka ube nebhajethi yenyanga nonyaka ukuze wenze lo msebenzi ngempumelelo.
Akunandaba nokuba uninzi kangakanani imali, unokuhlala usichitha ngaphezu kokuba ufumana. Uhlahlo lwabiwo-mali luyisisombululo sakho esona siphumelelo sokulawula iimali zakho. Yisitshixo ekuncedeni ukutshintsha ikusasa lakho lemali. Ukuba ufuna uncedo lweebhajethi, unokusebenzisa isofthiwe okanye imvulophu ekuncedeni ukulawula imali yakho kunye nokufumana imali ekuncedeni kwisicwangciso sakho semali.
02 Ukukhipha amatyala akho
Isinyathelo sesibini kukuphuma kwetyala. Oku kubalulekile kuba akunangqiqo ukugcina okanye utyalomali imali xa ukhokhela inzala ephezulu kwimali oyimfuneko kwabanye.
Ukuphuma kwetyala kuthatha uqeqesho, kodwa kunokwenzeka. Ukuba unamatyala amaninzi uya kufuna ukukhawuleza imali yakho kwaye ukwandise umvuzo wakho ukuze uhlawule ityala ngokukhawuleza. Kufuneka udibanise onke amatyala akho kule ndawo ngaphandle kwendlu yakho yokuqala yokubolekisa ekhaya.
Xa usuhlalelwe ityala, kufuneka uqalise iinkqubo eziza kunceda ukukhusela ukuba ungene kwisikwere kwakhona. Oku kuthetha ukubeka eceleni imali yokuthenga okukhulu njengemoto yakho kwaye uhamba nenani elifanelekileyo le-inshurensi ukuze ungathathi ngetyala lezilwanyana elingalindelekanga. Qaphela ngenyameko isisombululo ngasinye sezemali kwaye uyeke ukusebenzisa amakhadi akho ekwereta .
03 Yakha iNgxowa-mali eNgxamisekileyo
Xa usuhlalelwe ityala kufuneka ukhethe i-fund yexesha elixakekayo kwiindleko zenyanga ezithandathu ozishiya ebhankini. Lo mkhonto uza kukuvumela ukuba ushiye utyalo lwakho kuphela xa uwela kumaxesha anzima. Kufuneka isetyenziswe kuphela kwiimeko eziphuthumayo zangoku ezifana nokulahleka komsebenzi, kwaye kusekwe ukukhusela lwakho utyalo kunye nokugcinwa komhlalaphantsi.
Ukuba udibanisa kwingxowa-mali yakho yokongxamiseko kufuneka ugxilise ekubuyiseleni kwixabiso elipheleleyo ngokukhawuleza. Ukuba unomsebenzi ongazinzileyo, unokufuna ukuqwalasela ukugcinwa kweendleko zonyaka.
Ukuba udala isicwangciso sakho semali ngaphambi kokuba uphume kwetyala, unako ukumisela isikhwama esincinci se-$ 1000 okanye enye yengeniso yenyanga enokukukunceda ukuba ufake iindleko ezininzi ezingalindelekanga. Oku kuya kukunceda uqhube phambili nokuphuma kwetyala kwaye kukukhusele ukungongeza ityala elingaphezulu.
04 Gcina ikusasa
Emva kokuba uyenze ukuba ufanele usebenze ekwakheni umhlalaphantsi kunye nokulondoloza imali. Abacebisi abaninzi bezezimali, njengoDave Ramsey, bancomele ukubeka iipesenti ezili-15 zomvuzo wakho wokuhlala umhlalaphantsi ngamnye ngonyaka. Nangona kunjalo, ukuba unemigomo ethile yomhlalaphantsi ungayimfuneko ukwandisa le mali.
Kufuneka uxoxe nomcwangcisi wezemali onokukunceda ukuba ubone inani elifunekayo ukuze ukwazi ukuthatha umhlalaphantsi ngokukhawuleza. Ungasebenzisa u-401 (k) emsebenzini wakho njengenxalenye yesicwangciso sakho, kodwa kufuneka usebenzise i-Roth IRA kunye namanye amathuluzi okutyalomali ukunyusa utyalo-mali.
Ukongezelela kokulondoloza umhlalaphantsi, kufuneka uqale ukucwangcisa nokugcina iindleko zexesha elizayo njengemfundo yomntwana wakho okanye ukuhlawula i-home if you have not yet bought one. Usenokucinga ngekhaya leeholide eliphuphayo kwixesha elizayo okanye ushiye umhlalaphantsi ngaphaya kokuqhelekileyo. Zonke ezi zinto zithatha isicwangciso esilondolozayo kunye nesicwangciso-mali sokugcina imali yomhlalaphantsi. Nangona kunjalo, yiyona nxalenye ebalulekileyo yesicwangciso sakho semali sonke.
05 Utyalo-mali kwaye udibanise
Xa ukhulula ukufaneleka kwakho kwiakhawunti yakho yomhlala-phantsi ungasebenzisa ezinye izixhobo ezifana neengxowa-mali, i- annuities , okanye i-real estate ukwenzela ukwandisa iphothifoliyo yakho yokutshala imali. Kubalulekile ukudibanisa iintlobo zakho zotyalo-mali. Ukuba uyaqhubeka kwaye uqaphele ngotyalo-mali lwakho, uya kufinyelela kwindawo apho utyalo-mali lwakho luvelisa imali engaphezulu kunako. Oku kuyinto enhle kwaye kufuneka ube nale ndawo ngexesha uhlala phantsi.
Njengoko usondela ngakumbi ekuphumuleni, uya kufuna ukutshintsha indlela otyalo-mali ngayo. Kubalulekile ukuba utyalo-mali olukhuselekileyo olungayi kuba luchaphazelekayo kwiimarike ezenyukayo zantsi. Ngale ndlela uza kuba nemali oyifunayo xa uqoqosho luphazamiseka, kanti xa uselula, uza kuba nexesha lokuthengisa. Ukuba ufuna uncedo ngale nto, umcebisi wezezimali unokukunceda.