Uma uthola ukuphakanyiswa noma ukukhushulwa , ngokuvamile unikezwa ukwandisa umholo wakho waminyaka yonke noma ukwanda kwemholo wakho wehora. Noma iyiphi indlela, inombolo ingase izwakale kahle ephepheni. Endleleni eya ekhaya, ungase udale uhlelo oluhle mayelana nokuthi uzokwenzani ngaleyo mali noma yini ofuna ukuyihlukanisa nge-paycheck yakho entsha.
Kodwa uma leyo paycheck entsha yokuqala ijikeleza, ungase udumale. Inani elikhulu olilindele liye laphela, kunalokho ukwanda kweholo lokuthatha ekhaya kuyincinjana kakhulu kunalokho owacabanga ukuthi kuyoba khona. Ngezansi, sichaza indlela yokuqonda ukhokhe wakho futhi wazi lapho yonke imali yakho ehola khona.
01 Ukuphakamisa Nokukhokhwa Kwakho
Ngaphandle kokuthi usondelene nokuthutha ibhakede lentela, izinga lakho lentela (noma iphesenti lentela) ngeke likhuphuke.
Kodwa-ke, inani lentela ekhishwa ekhokhweni lakho lizokhuphuka, ngenxa yokuphakamisa kwakho. Khumbula, izintela ezithathwe esheke lakho ziyiphesenti lokukhokhwa kwakho konke, ngakho-ke lapho ukhokha inkokhelo yakho, kanjalo nentela yakho.
Ungazama ukunciphisa inani olikhokhela intela. Hlola izinketho ukunciphisa imali engenayo engenayo , njengokukhulisa umnikelo wakho wokuthatha umhlalaphansi noma ukuvula i- akhawunti yokusebenzisa imali ngesikhathi sokubhalisa okuvulekile. Lezi zinketho zinganciphisa inani olikhokhela intela kusukela kokubili kukhishwe intela yakho yentela. Kodwa-ke, lokhu akunakwandisa inkokhelo yakho yokuthatha ekhaya, kuphela inani olikhokhela intela.
02 Ukukhuphuka Nokuthatha Umhlalaphansi
Abantu abaningi abacabangi ukuthi umnikelo wabo wokuthatha umhlalaphansi uzokwenyuka uma bethola ukuphakama. Umnikelo wakho wokuthatha umhlalaphansi yiphesenti yokukhokha kwakho okuphelele. Lokhu kusho ukuthi njengoba inkokhelo yakho iyanda, iminikelo yakho yokuthatha umhlalaphansi izokhula futhi. Uma usanda kuthola ukuphakama futhi udumala ukuthi ukukhokhelwa kwakho ekhaya akuzange kwandise ngokweqile, zama ukwandisa umnikelo wakho wokuthatha umhlalaphansi. Vele uhlale ukhumbule umkhawulo wemikhawulo womabili ama-401 (k) kanye nama-IRAs.
Ochwepheshe bathi kufanele uhlanganyele okungenani iphesenti umqashi wakho afana naye ku-401 (k) yakho, futhi uthole okuningi okunikezwayo okungahle kube khona kwi-IRA, kodwa ungaphinda unikele ngokwengeziwe uma uthola ukuphakama. Lesi yisikhathi esihle sokwandisa iminikelo yakho yokuthatha umhlalaphansi ngoba cishe ngeke uphelelwe imali.
Lokhu kukuvumela ukuphakama kwakho kusebenze kuwe kanye nekusasa lakho. Kungase kuphazamisekile ngoba ngeke ubone ukuphakanyiswa kwamanje, kodwa uzokujabulela ukufaka isandla sakho uma sekuyisikhathi sokuthatha umhlalaphansi.
03 Ukuchitha Ukuvusa
Abantu abaningi basebenzisa imali eningi abayitholayo, kungakhathaliseki ukuthi bangenisa kanjani ekhaya ekhaya lokukhokha. Uma uqala ukuphakamisa, ungase umangale ukuthi uhamba ngemali yakho ngokushesha njengoba wenza ngaphambi kokuba uphakamise.
Ungazithola usesimweni lapho wenza khona umholo omuhle, kodwa ngandlela-thile usalokhu unzima. Kungakhathaliseki ukuthi uhola kangakanani, kufanele ubambelele kwisabelomali sanyangazonke ukuqinisekisa ukuthi awusebenzisi yonke into oyiholayo nokuthi unamathele emigomweni yakho yezimali, hhayi nje ukuchitha yonke imali eyengeziwe oyitholayo.
Ngenkathi ungase ufune ukuhlaziya ukuthi ukukhokhelwa kokuqala emva kokuphakama, kubalulekile ukulungisa, futhi ubambelele, isabelomali esisebenzayo. Uma usuqalile ukukhokha kwakho ekhaya, ungakha isabelomali esiqinile, okukuvimbela ukuba ungaboni sengathi awunakho okuzoboniswa ngomsebenzi wakho onzima. Ungakwazi futhi ukukhomba leyo mali eyengeziwe futhi uyibeke emgomweni omkhulu wezezimali, njengokuphuma esikhwameni noma ukushaya umgomo omkhulu wokonga, noma ngisho nokuthenga ikhaya.
Uma ungasebenzi, ungase ugcine ukwanele ukuze uthole, kepha usadinga isabelomali esinqinile kuze kube yilapho uthola imali yakho emuva kumzila. Lokhu kungathatha umsebenzi nesikhathi, kodwa ukwenza manje kuzokwenza kube lula ukugxila emsebenzini wakho nakwezinye izindawo zokuphila kwakho esikhathini esizayo.
04 Ukugcina Uvuka
Uma uthola ukukhuthazwa noma ukuphakamisa , kubalulekile ukuqhubeka nokusebenza kanzima futhi ugcine isimo sengqondo esihle, kokubili izinto okungenzeka zikuthole ukuphakama kuqala. Kungakusiza kuphela ukuthi uqhubeke nokunyuka enkampanini bese ukwandisa amandla akho okuthola.
Futhi khumbula ukuthi akukho msebenzi ohlala uqinisekisiwe, noma ngabe usanda ukuthola ukuphakanyiswa. Ngakho ngaso sonke isikhathi umqondo omuhle ukulungele ukushintsha imisebenzi futhi ugcine wonke amakhono akho okwamanje. Futhi, qiniseka ukuthi isikhwama sakho esiphuthumayo singagcina okungenani izinyanga ezingu-6 zokuphila izindleko, ngaleyo ndlela uma ulahlekelwe umsebenzi wakho phansi, ngeke uphoqelelwe ukuba ungene esikweletini ukuze uhlale uhamba.