Nazi iindlela ezinhlanu zokuSebenza kweRhafu yakho
Kukho iindlela ezininzi zokuphatha umvuzo wakho werhafu. Cinga ukusebenzisa imali yakho yokubuyiselwa kwentela ukuhlawula ityala lakho, ugcine kwiikholeji, utyalomali, okanye uqalise ishishini elincinane.
Makhe sifunde ngakumbi malunga neendlela zakho zokubuyiselwa kwentela.
Hlawula ityala
Kukho iindlela ezimbini onokuhlawula phantsi kwetyala lakho - nokuba usebenzise imali yakho yokubuyisela imali kwi-matyala ngenani lexabiso eliphezulu okanye ufake isicelo sakho sokubuyiselwa kwetyala kwi-matyala kunye ne-balance balance.
Ukuhlawula ityala lakho eliphezulu-nzala liya kukugcina imali eninzi, kodwa ukuhlawula ibhalansi encinci kunokubonelela ngengqondo yengqoqo egcina ukhuthazwa ukuba uqhubeke nokuhlawula amatyala akho. Funda okunye malunga nalezi zimbini ezikhethiweyo zetyala .
Gcina iKholeji
Unako ukutyalomisela yonke imali yokubuyisela irhafu njengesixa-mali kwisiCwangciso soSondlo seKholeji esingu-529 ozinzile wena, umntwana wakho okanye ilungu lentsapho. Unokumisela kwakhona imali yokubuyisela i-akhawunti oyigciniweyo eyongeziweyo kwiindleko ozakuzenza ngexesha leminyaka yakho yokufunda engafanelekanga ukuba i-529 ilungele ukulungelelanisa, njengendleko yokuhlawula i-inshurensi yemoto.
Yakha iNgxowa-mali Yakho yoPhuseleko
Oku mhlawumbi yinto ebaluleke kakhulu ongayenza ukuze ugcine impilo enempilo ekhuselekileyo kwaye ukhusele ekubeni ungene kwi-matyala.
Ingxowa yakho yexakeka kufuneka ibe neenyanga ezi-3 ukuya kwezi-6 zeendleko zokuhlala kwaye kufuneka zigcinwe kwi-akhawunti ye-liquid efikeleleka kalula, njenge-akhawunti yokulondoloza okanye i-akhawunti yemarike yemali. Funda kabanzi malunga nokwakha ingxowa-mali yengxamisekileyo .
Invest Invest for Retirement
Ukuthetha kwentela, kutheni ungasebenzisi imali yakho yokubuyisela irhafu ukwenzela ukunciphisa i-bill yakho yerhafu?
Unokwenza i-$ 17,000 ye-paycheck yakho ngonyaka nge-401k yakho xa uneminyaka engama-49 okanye encinane, kunye ne-$ 500,500 xa uneminyaka engama-50 okanye ungcono. Le galelo lihlawulwa irhafu.
Ngaphandle koko, unokwenza i $ 5,000 kwiRoth IRA yakho ukuba uneminyaka engama-49 okanye encinane okanye i-$ 6,000 ukuba uneminyaka engama-50. Akuyena wonke umntu ofanelekileyo ukufaka isandla kwiRoth IRA, nangona kunjalo. Ukukhutshwa kweemfanelo ezixhomekeke kwingeniso yakho kunye nesimo sakho sokufakela umtshato.
Ngonyaka ka-2012, isibini esitshatileyo sokufakela ngokubambisana singenza igalelo elipheleleyo ukuba imali eyayifumana i-$ 173,000 okanye ngaphantsi. Ifayile enye ingenza igalelo elipheleleyo ukuba imali efumanekayo i-$ 110,000 okanye ngaphantsi. Ngaphandle kwamanqanaba okufumana ingeniso, inani okwazi ukufaka isandla ngokuncinci liye linciphile de ube uwela umda emva koko awukwazi ukufaka isandla kwiRoth IRA. Funda kabanzi malunga nemida yokuthatha umhlalaphantsi .
Qala iBusiness Side
I-adage "kuthatha imali ukwenza imali" yinyaniso. Ukuphosa ngempembelelo kwishishini kuyisicwangciso esibi, kodwa utyalo-mali ngokukodwa kwicandelo loshishino lingakufumana umvuzo oqinileyo.
Unokubeka imali yakho yokubuyisela irhafu kwimpahla oyifunayo ukuba uqale ukuthengisa iingubo kunye nefenitshala yokuvuselela. Ungabhalisa iwebhusayithi kwaye uqale ukuthengisa iimveliso kwi-intanethi.
Ungathenga umkhontomba okanye i-leaf blower kwaye uqalise ishishini lokuqhuba iveki ukwenza indawo yokugcinwa kwendawo yendawo. Ungalondoloza ukuhlawula kwintlawulo yerenti.
Ngaphantsi
Musa ukugibela kwindawo yokuthenga ivenkile kunye nembuyekezo yakho yerhafu - uyigcine kwaye uyibeke imali! Usebenze kanzima kuloo ntlawulo yerhafu. Ngoku lixesha lokubuyisela umsebenzi wakho wokubuyiselwa imali!
(Ngendlela, kukho impikiswano enamandla yokufumana imali yentlawulo yerhafu, ngokukodwa xa unetyala eliphezulu, njengetyala lekhadi lesikweletu okanye umboleko wemoto. Funda le nqaku malunga nokuba kutheni ufanele ugweme ukuhlawula irhafu ngonyaka ozayo.)