Emva kokuphuma kwetyala, unokuba uzibuza oko kuza okulandelayo. Abantu abaninzi basebenza ekuphumeni kwetyala xa ekugqibeleni kwenzeka, bazive belahlekile. Kubalulekile ukuba ube nesicwangciso esiqinileyo njengoko uqhubeka ulawula ulawulo lweemali zakho ukuze ungapheli emva kwetyala. Ukuba awukho izicwangciso ezicacileyo Nazi iindawo ezi-6 zokuqhubeka zijolise kuyo.
Ngaphandle Kwetyala? Gcina uhlahlo lwabiwo
Usebenze kanzima kwaye uzama ukuyeka ukukhathazeka ngemali rhoqo.
Kungakunqwenela ukuyeka uhlahlo lwabiwo-mali ngokugqibeleleyo kuba ufikelele ekujoliswe kuyo. Unokuba ungafuni ukuqhubeka uxhalabele ngemali, kodwa ukuba unqabe ukubeka ingqalelo indlela ochitha ngayo imali yakho, ungagqiba emva kwetyala. Kubalulekile ukugcina uhlahlo lwabiwo-mali, unokuphumla ukuba unzima kangakanani kwaye ukwandisa ukuchitha imali kwezinye iindidi, kodwa akufanele ubeke uhlahlo lwabiwo-mali ngokupheleleyo.
Ngaphandle Kwetyala? Emva koko Qala Ukwakha INgxowa-mali Yakho YesiXhosa
Ufikelele kwindawo apho uhlala ubeka imali ngaphandle komhlala phantsi, kwaye unesikolo sakho esiphuthumayo malunga neenyanga ezintandathu zengeniso endaweni oya kuyidinga ukuba ugqibe isigqibo sakho kwisinyathelo esilandelayo. Impendulo iphela ngokupheleleyo. Kuxhomekeke kwiinjongo zakho zexesha elizayo kunye nezicwangciso. Ukuba uzibona utshatile kwixesha elizayo, unokufuna ukuyigcina loo nto yomtshato, isangqa okanye i-honeymoon. Ukuba loo njongo ikude kakhulu, cinga ngokuzama ukuhlawula ikhaya lakho, ukuze uhambe ekhaya okanye uqale ukutshala imali yakho.
Ngaphandle Kwetyala? Bese wandise Iminikelo yakho yomhlalaphantsi
Abantu abaninzi baya kunciphisa umnikelo wabo wokuthatha umhlalaphantsi ngelixa bezama ukuphuma kwetyala. Ngoku unokusebenza ekwakheni loo mnikelo ukuya kwii pesenti ezilishumi elinesihlanu zomvuzo wakho. Oku kufanele kube lula ukwenza, unokuyenza rhoqo xa ufumana ukuphakanyiswa.
Ukongezwa kokutyalomali kwi- 401 yakho (k) kufuneka uvula i-Roth IRA eya kukuvumela ukuba uthathe iirhafu zakho zerhafu ngaphandle kokuthatha umhlalaphantsi.
Ngaphandle Kwetyala? Emva koko Cwangcisa Ikusasa Lakho
Cwangcisa lakho ikamva. Khangela kwisinyathelo esilandelayo ebomini bakho. Ukuba awuzange uthenge ikhaya okwamanje, gcina ukuhlawula imali. Ukuba unabantwana, ngaba kufuneka ubeke eceleni imali kwimfundo yabo. Ukuba ubona ujabulela umsebenzi wakho wangoku uhlala phantsi, unokuba ungadingi uqeqesho olongezelelweyo, kodwa ukuba ungathanda ukuya kwinqanaba eliphakamileyo kwinkampani yakho okanye uzame intsha entsha kwiminyaka embalwa, ngoku ixesha lokufumana uqeqesho olongezelelweyo olufunayo. Awudingi ukuya esikolweni ixesha elipheleleyo ukwenza oko kwenzeke. Thatha iiklasi enye okanye ezimbini i-semester, kwaye uhlawule isifundo njengoko uhamba. Unokufumana isatifikethi esongezelelweyo oyifunayo uze uzigcine ukhuphiswano kumashishini atshintsho.
Ngaphandle Kwetyala? Qalisa utyalo-mali
Unokufuna ukuhlola ezinye iindlela zokutshala imali. Funda kabanzi malunga nemali kunye nemarike yempahla kwaye uqale ukugcina ngaphandle kweakhawunti yakho yomhlalaphantsi. Ipropati enye yinto efanelekileyo, enika umthombo ongenako wokufumana imali. Isiphambili sokuphumelela ngale ndlela yokutyalomali kukuba ukwenze ngemali.
Ngaloo ndlela awuyi kungena phezu kwentloko yakho. Ingaba ixesha lokuba ugxininise ekwakheni ubutyebi . Unokwenza oku ngokucwangcisa ngokucophelela kunye nokutshala imali. Kufuneka uzinikele ekuphumeni kwetyala.
Ngaphandle Kwetyala? Zonwabele
Xa uneminyaka engama-20 lixesha lokuzonwabisa ubomi bakho. Ukuba uqale ngokuphuma kwetyala, kwaye unomdla wokuthatha umhlalaphantsi wakho, kusenokuthetha ukuba lixesha lokuba ujonge apho ulungele khona ngoku. Cwangcisa iholide lakho lokuphupha uze ulondoloze ngenxa yalo uze uhambe. Oku kunokuthetha ukuhamba eYurophu okanye ukuthatha uhambo okanye amabini ngonyaka ukuya kwiCaribbean okanye ukwazi ukuthatha inyanga emsebenzini wokuhamba. Usemgangathweni ngoku ukwenza izinto ozonandipha kakhulu. Yisebenzise. Usebenze nzima ukuza apha.