Ukuhlawula okuMkhulu okuKhulu kunye nePowing Points

Yiyiphi engcono?

Xa ufumana isikweletu semali, unezigqibo ezininzi zokwenza kunye neendleko zokuhlawula. Ukuba unakho ukhetho lokuhlawula amaphuzu, unokuzibuza ukuba ngaba loo ndleko iyanengqiqo, kwaye njani uhlahlole i-dollar yakho phakathi kwentlawulo yakho kunye nawaphi na amanqaku.

Zombini iindleko ziya kuphuma ephaketheni lakho phambili (ngaphandle kokuba uhlawule ngeengongoma), ngoko ke umphumo osisiseko kwibhajethi yakho iyafana. Ngokufanayo, zombini iingongoma kunye nentlawulo ephantsi inganciphisa intlawulo yakho yenyanga efunekayo.

Nangona kunjalo, ngaphezu kwexesha elide, zichaphazela imali yakho ngeendlela ezahlukeneyo.

Njengokuhlaziya okukhawulezayo, makhe sihlolisise umehluko phakathi kwamaphuzu kunye nentlawulo ephantsi. Emva koko, siza kuvavanya xa enye inketho ingaba bhetele kunomnye.

Amaphuzu okuphuhlisa

Amaphuzu okunciphisa amaxabiso angaphantsi kwesixa-mboleko sakho. Ukutshintshela intlawulo namhlanje, umnini-mboleko wakho uya kunciphisa umyinge wenzala kwityala lakho. Ngamanye amaxesha ubizwa ngokuthi "ukuthenga umyinge" kwimali-mboleko yakho kuba uthengisa ngempumelelo intlawulo ephantsi.

Ukuba uchaneke ngakumbi, unokuthi uhlawula umdla kwangaphambili, kwaye umboleki wakho ulungelelanisa umlinganiselo wakho wenzala ngokufanelekileyo.

Iindleko zenzalo ayikwazi ukufunyanwa - awuyi kubuya umva xa ubathengisa. Ngenxa yoko, kufuneka uzuze kule ntlawulo ngezinye iindlela (kwaye qiniseka ukuba amanani ayongeza). Kukho iindlela ezininzi ezinokuthi uzuze ekuhlawuleleni amaphupha, kuquka:

• Iintlawulo zerhafu ezinokwenzeka kwimali oyichitha kumaziko

• Inkokhelo ephantsi yenyanga, ekhokelela ekuhambeni kwemali ekhululekile kwiminyaka ezayo
• Isilinganiso esezantsi kwi-matyala kwiminyaka (ukuba ugcina ixesha lemali-mboleko)

Iintlawulo Eziphantsi

Inkokhelo ehlawuleyo yintlawulo ohlawula ngayo phambi kwexabiso lentengo yepropati. Eli nani liyanciphisa ubukhulu bemboleko yakho kwaye limele ubunqwenela bakho bunini ekhaya (ukwandisa ukulingana kwakho ).

Ungumninimzi weliphi na ikhaya, kodwa umnini-mboleko wakho unokuba nemibutho kwipropati uze uhlawule lonke ityala lakho.

Ukwenza intlawulo ephantsi kufana nokusebenzisa ikhaya lakho njengebhanki yengulube. Ikhaya lenza njengevenkile yexabiso: Ukucinga ukuba ikhaya alilahlekelwa lixabiso, ungayifumana loo xabiso emva kokuba uthengise ipropati. Ngaphandle koko, unako ukuboleka kuloo xabiso ngemali yesibini yokuthenga okanye usebenzise ixabiso njengento yokubambisana nezinye iimfuno .

Iintlawulo Zakho Ngeentlawulo kunye Neentlawulo Eziphantsi

Zomibini iziphumo zokuphuhlisa kunye nenkokhelo enkulu ekunciphiseni iya kunciphisa imali efunekayo yenyanga. Iintlawulo zenyanga zibalwa ngokusebenzisa izinto ezimbalwa:

• Inzala yomyinge
• Inani lemali-mboleko (eyaziwa nangokuthi ibhalansi)
• Ixesha lemali-mboleko (okanye ubude bexesha apho umboleko uhlelwe ukuba uhlale khona)

Ukuba unciphisa naziphi na izinto, inkokhelo yenyanga iya kuhla. Ukongeza, isixa semali ohlawulayo siya kuyancipha. Okuthakazelisayo, unako ukugcina izinga lemali-mboleko, kodwa ukunciphisa iindleko zenzalo ngokunciphisa izinga okanye ukunciphisa ubomi bomboleko.

Iziphumo ezahlukeneyo zinciphisa intlawulo yakho, kodwa zenza ngezindlela ezahlukeneyo. Indlela eyona ndlela yokubona oku kukuzama ukusebenzisa i-calculator yemali-mboleko okanye ukusebenzisa iitafile zentengiso ukuze uhlole iindlela ezahlukeneyo zemboleko.

Okona kubaluleke kakhulu, jonga iindleko zomdla ngexesha elide, nangaphezulu kwempilo mboleko.

Yintoni Okufanele Uyenze?

Ngokuqonda okungcono indlela iindleko kunye nentlawulo yenzalo ekutshintsheni ngayo ukhetho ngalunye, kufuneka ube nexesha elilula lokuvavanya ukhetho lwakho (kunye nokuthatha isigqibo malunga nento yakho ngemali).

Ukuba unayo imali kwaye uceba ukuhlala ekhayeni lakho ixesha elide, amanqaku afanele ukujonga.

• Linganisa ixesha elide uza kugcina imboleko yakho. Ngethuba elide, unokuba ngcono kumaphuzu okuhlawula kunye nomdla wokuhlawula ngentlawulo ephantsi.
• Hlola ixesha lokuphulukisa kwiindawo zakho: Mbonise ukuba ungayilondoloza phi inyanga nganye kwinkokhelo yakho, kwaye ubale ukuba uza kuthatha ixesha elingakanani ukubuyisela imali oyichithayo ngaphambili. Emva koko, khumbula ukuba iindleko zakho zenzalo ziyakwazi ukuhluka uma uhlawula amaphuzu.

• Phonononga iimpembelelo zerhafu ezingenakho kunye nomcebisi wakho werhafu. Iingongoma zokuhlawula zinokukunika ukuncitshiswa namhlanje, kwaye oko kunokuba luncedo kunomdla wolondolozo kwiminyaka ezayo. Ungakulibali ukuba iindleko zenzalo nazo zinokudityaniswa - kodwa ukuchitha imali yokuncitshiswa kweerhafu kusetyenziswa imali.
• Hlaziya ezinye iindlela zokusebenzisa iimali, kwaye ugqibe ukuba ngaba kufuneka wenze into ngaphandle kokubeka imali ekhayeni lakho.
• Qinisekisa ukuba ucinga ukuba uya kukwazi ukuhlaziywa kwinqanaba lesenzalo esilungileyo kwikamva elifutshane. Ukuba inani lakho lekhredithi okanye ingeniso yenze ingcono, unokufumana umboleko ongcono. Ngokufanayo, jonga ixabiso lentlawulo kwaye ingaba ungalindele ukuba bavuke, bawe, okanye bahlale bezinga.
• Qalisa amanqaku kumanqaku okuxhasa ngemali. Amanqaku okuqhafaza kwibhalansi yakho yemali mboleko kaninzi ayinakuxhamla nje ngokuhlawula ngaphandle kwe-pocket, kodwa kunokufaneleka ukujonga.

Sebenzisa ibalawuli zokubala ukuqinisekisa ukuba uza kuxhamla kangakanani ekuhlawuleleni amaphuzu. Emva koko, thelekisa loo mali ekubolekeni imali encinci (usebenzisa itheyibhile yokwenza imali). Umzekelo, kwi-mboleko yemali engama-300,000, uvavanye ukugcina okuvela kumyinge omncinci wenzala xa uhlawula amabini amabini (okanye i-$ 6,000). Emva koko, yibone indlela umboleko obukeka ngayo xa uboleka i-$ 294,000-wongeza i-$ 6,000 ukuhlawula imali ngaphandle kokuyibeka kwiindawo.