Yenza lokhu, hhayi ukuthi unobhonasi beholide
Ukuthola ibhonasi kunganciphisa ukucindezeleka kokubuza ukuthi uzokhokha kanjani izipho zeholide kodwa akuyona indlela kuphela yokuyibeka.
Kunezinye izindlela eziningi zokusebenzisa ibhonasi yeholide, noma kunjalo. Ngendlela efanele, ungakwazi ukuvuna imivuzo yebhonasi yeholide yonke unyaka wonke. Nansi indlela yokwenza ngayo.
Sebenzisa i-Bonus yokukhokha isikweletu somhlalaphansi
Amakhadi esikweletu angaba indlela elula yokukhokha amaholide kodwa angabangela izinkinga kulo nyaka omusha. Ngo-2016 Ucwaningo Lwemali Lwenyusa Imali, abaseMelika abangeze esikhwameni sabo lesikweletu samakhadi phezu kwamaholidi bakhulisa lokho ababekhokhwa ngamaRandi ayi-1,003 ngokwesilinganiso.
Uma ibhonasi yakho yeholidini ihambisana ne-$ 1,797 isilinganiso, ungasula leso sinani sesikweletu sesikweletu somkweletu futhi usenayo into esele. Uma ungathanda ukuchitha ibhonasi yeholide kwenye indawo, cabanga ukudlulisela ibhalansi yakho ekhadini elinenani eliphansi lokungenisa. Ukunciphisa inani lezithakazelo esikweletini kungakusindisa imali, ngenkathi kukuvumela ukuba ukhokhe ngokushesha.
Dlala I-Catch Up Nge-Savings Your Retirement
Owesithathu kwabaseMelika abanalutho olondolozwe umhlalaphansi, kanti amaphesenti angama-55 anenani elingaphansi kwamaRandi ayi-10,000 abekelwe eceleni iminyaka yabo edlule.
Uma izilinganiso ze-akhawunti yakho yokuthatha umhlalaphansi ziphansi kunalokho ongathanda ukuba nazo, ibhonasi yeholide iyithuba elikhulu lokushintsha lokho.
Uma ungenayo i-akhawunti yomhlalaphansi, isibonelo, ungasebenzisa ibhonasi yeholide ukuvula eyodwa. Unokukhetha okubili: i-Roth IRA yendabuko. Nge-IRA yendabuko, ungakwazi ukukhipha iminikelo owenzayo unyaka ngamunye, kuze kube ngumkhawulo wonyaka wonyaka.
Ukunciphisa kunciphisa imali engenayo engakhokhiswayo, engasiza ekunciphiseni imali yakho yentela uma usesikhwameni esikhulu sentela.
Nge-Roth IRA, akukho ukukhishwa kweminikelo kodwa uvunyelwe ukwenza ukuhoxiswa okufanelekile ekukhokhiseni intela yomhlalaphansi. Lokho kungaba okubaluleke kakhulu uma ubheke ukuhlala ebhakheni elithe xaxa uma uthatha umhlalaphansi. Futhi, uma uhola imali engenayo manje, ungase ukwazi ukuzuza inzuzo eyengeziwe ngokufaka isicelo se-Retirement Saver's Credit uma ufaka i-Roth IRA. Izikweletu zinciphisa intela yakho yentela ngesisekelo se-dollar-to-dollar, okungenzeka kube nomthelela okhokhisayo wentela noma imali eyinzuzo enkulu.
Thuthukisa i-Cushion yakho ephuthumayo
Isikhwama esiphuthumayo singase sibe yimali yokuphila kwezezimali uma izindleko ezingalindelekile zinciphisa izinhlelo zakho. Kodwa amaphesenti angama-57 aseMelika anenani elingaphansi kwamaRandi ayi-1000 ebhange ngezinsuku zemvula. Uma ungathanda ukulondoloza kunokusebenzisa ibhonasi yeholide, ungayisebenzisa ukugxuma i-akhawunti yakho yokulondoloza iphuthumayo.
Kodwa iyiphi indawo engcono yokupaka ibhonasi? I-akhawunti yokulondolozwa njalo inikeza ukuphepha nokufinyelela okulula, kodwa amabhange wendabuko ngokuvamile anikeza amanani entengo ephansi kakhulu. Uma ungathanda ukukhulisa imali yakho ngokushesha futhi ungacabangi ukushiya ikhono lokuvakashela igatsha, i-akhawunti yokulondoloza imali ephezulu kusuka ebhange e-intanethi ingaba yindlela engcono.
Mane ukhumbule ukubuyekeza amazinga ezithakazelo, izimali kanye nezinketho onayo zokufinyelela imali yakho yokuphuthumayo lapho uyidinga.
Qala isikhwama sakho sokukhokha ekhaya sasekhaya
Uma uthenga ikhaya lakho esikhathini esizayo, uzodinga inani elithile lemali ukuze uqine isivumelwano. I-chunk enkulu yaleyo ibeka ekukhokheni kwakho phansi. Esicwaningweni se-Zillow, abangaphezu kwezingxenye ezimbili kwezintathu zabathengi bathi ukuntuleka kokugcina imali yokukhokha kwaba yisithiyo esikhulu esimi endleleni yokuthenga ikhaya.
Umbuzo uwukuthi, kungakanani imali edingekayo ukuze ukhokhele? Nakuba amaphesenti angu-20 yizinga elijwayelekile lemikhiqizo, kungenzeka ukuthi uthenge ikhaya elingaphansi kwalokho. Isikweletu se-FHA, isibonelo, sikuvumela ukuthi uthenge ngamaphesenti angu-3.5 kuphela wezindleko zokuthenga ekhaya. Ekhaya lika- $ 200,000, lokho kuyi-$ 7,000. Ukuhlelwa ibhonasi yeholidini yokukhokha phansi kungakufaka izinyathelo ezimbalwa eduze nephupho lakho lokuthenga ikhaya.
Sebenzisa ibhonasi ukwenza okuhle
Amaholidi yisikhathi esihle sokubuyisela kwabanye. Uma isikweletu sakho singaphansi kokulawula kanye nokulondolozwa kwakho kusendleleni, ungasebenzisa ibhonasi yeholide ngokunikela ekuthandweni okuthandayo. Ukwengeza ekwenzeni okuhle, ungase ukwazi ukukhokhela inzuzo yentela ngendlela yokudonswa kwalezo zinikelo. I-Internal Revenue Service ikuvumela ukuba unikeze iminikelo efinyelela kumaphesenti angu-50 wemali engenayo yakho ehlelekile.
Khumbula-ke ukuthi kumele ucele ukuthi udonswe ukunikezwa okusizayo. Uma ngokuvamile uthatha ukukhishwa okujwayelekile, ungase usenze umnikelo kodwa ngeke kube nenzuzo yentela. Futhi ugcine engqondweni ukuthi uma unikeza ibhonasi yeholide, uzodinga irisidi eningiliziwe kusuka enhlanganweni ozinikele yona ngenhloso yentela.
Zitshale kuwe
Ukuzitholela ngokwakho kungenye indlela yokugcina yokusebenzisa ibhonasi yeholide kodwa uthathe isikhathi sokucabanga ngalokho okuzokwenza kube khona okubaluleke kakhulu. Ungahamba esitolo sokuthenga, isibonelo, kodwa ungathola isilinganiso esengeziwe kusuka kwibhonasi ngokuyisebenzisa ukwandisa isethi yakho yamakhono noma ukuthuthukisa ibhizinisi elihlangene ngaphezu kwe-gig yakho engu-9 ukuya ku-5. Ngenye indlela, ungatshala imali yobulungu bokuzivocavoca noma imishini yokuzivocavoca ukuze uthuthukise impilo yakho. Ukucabanga ngemigomo ofuna ukuyifinyelela iNyaka Omusha kungakusiza ukuthi unqume ukuthi ungayisebenzisa kanjani ibhonasi yeholide.