Zoyipa zakuchotsa ngongole yanyumba ku UK
Ngati mwalandira ndalama zosayembekezereka kapena mwasunga ndalama zochulukirapo pazaka zapitazi, zitha kukhala zokopa kubweza ngongole yanu yanyumba msanga. Kaya kubweza ngongole yobwereketsa msanga ndi chisankho chabwino kapena ayi kungadalire mmene wobwerekayo alili, chiwongola dzanja cha ngongoleyo, ndiponso kuti atsala pang’ono kusiya ntchito.
Muyeneranso kuganizira ngati ndalamazo zayikidwa m'malo molipira ngongole. Nkhaniyi ikufotokoza za chiwongola dzanja chomwe chingapulumutsidwe pobweza ngongole pazaka khumi pasadakhale nthawi yake motsutsana ndi kuyika ndalamazo pamsika, potengera zobweza zosiyanasiyana.
Mwachitsanzo, popereka $1.000 pamwezi, $300 ingagwiritsiridwe ntchito chiwongola dzanja ndipo $700 kuchepetsa ndalama zonse za ngongoleyo. Chiwongola dzanja pa ngongole yobwereketsa ingasiyane malinga ndi momwe chiwongola dzanja chilili pachuma komanso kuyenera kwa wobwereketsa.
Ndondomeko yolipira ngongole pazaka 30 imatchedwa ndandanda yobweza ngongole. M'zaka zoyambirira, zolipirira ngongole yanyumba yokhazikika zimapangidwa makamaka ndi chiwongola dzanja. M'zaka zaposachedwapa, gawo lalikulu la malipiro a ngongole amagwiritsidwa ntchito pochepetsa kuchepetsa.
Kodi ndiyenera kulipira ngongole yanga kapena kuyika ndalama ku UK?
Ngati muli ngati anthu ambiri, kubweza ngongole yanu ndikulowa popanda ngongole zopuma pantchito kumakhala kosangalatsa. Ndikuchita bwino kwambiri ndipo kumatanthauza kutha kwa ndalama zomwe zimawononga pamwezi. Komabe, kwa eni nyumba ena, mavuto awo azachuma ndi zolinga zawo zingafunike kusunga ngongole yanyumba pomwe zofunika zina zimasamaliridwa.
Moyenera, mutha kukwaniritsa cholinga chanu mwa kulipira pafupipafupi. Komabe, ngati mukufuna kugwiritsa ntchito ndalama zolipirira ngongole yanu yanyumba, yesani kulowa muakaunti yamisonkho kaye m'malo mosunga ndalama mukapuma pantchito. "Ngati mutachotsa ndalama ku 401 (k) kapena IRA musanakwanitse zaka 59½, mudzalipira msonkho wanthawi zonse - kuphatikizapo chilango - zomwe zidzathetseretu ndalama zilizonse zomwe zingasungire chiwongoladzanja pa ngongole," akutero Rob.
Ngati ngongole yanu ilibe chilango cholipiriratu, njira ina yolipirira zonse ndikuchepetsa wamkulu. Kuti muchite izi, mutha kubweza ndalama zowonjezera mwezi uliwonse kapena kutumiza ndalama pang'ono. Njira iyi imatha kupulumutsa chiwongola dzanja chochuluka ndikufupikitsa moyo wangongole ndikusunga kusiyanasiyana komanso kusapeza ndalama. Koma pewani kukhala waukali kwambiri pa izi, kuopera kuti mungawononge zinthu zina zofunika pakusunga ndi kuwononga ndalama.
Kodi ndi bwino kubweza ngongole kapena kuchepetsa nthawiyo?
M’dziko lamasiku ano limene anthu amasunga ndalama zochepa, ena amakayikira ngati ndalama zawo zingapitirire kubweza ngongoleyo. Ndiye, ndi bwino kusunga kapena kulipira ngongole yanyumba? Timausanthula.
M'dziko labwino, ngongoleyo idzalipidwa nthawi isanakwane pantchito yanu, kukupatsani nthawi yoti muwonjezere ndalama zosungira penshoni ndikusiyani opanda ngongole musanachoke pantchito. M'malo mwake, sizophweka nthawi zonse: anthu akugula nyumba pambuyo pake, ndipo zaka 25-30 zikukhala zofala, sizovuta kuwona kuti ndi anthu angati omwe atha kubweza ngongole m'zaka zawo zopuma pantchito. Tsikuli likhoza kuchedwetsedwanso ngati wobwereketsa akuyenera kugwiritsa ntchito ndalama zawo zanyumba nthawi ina, kapena kuonjezera ngongole yake yanyumba kuti akweze gulu.
Ngakhale kuti n'zotheka kupitirizabe kubweza ngongole popuma pantchito-chiwongoladzanja chokha chopuma pantchito, mwachitsanzo, chikukhala chofala-mukhoza kukhala ndi malingaliro ena. Kulipira ngongole yobwereketsa msanga kungatanthauze kubweza chiwongola dzanja chochepa, komanso kumasula ndalama zomwe mumapeza, ndiye kuti kungakhale koyenera kulingalira momwe mungachitire. Kwa ambiri, kugwiritsira ntchito ndalama zomwe anasunga kungakhale kwanzeru kusankha.
Lipirani ngongole yonse
Zambiri kapena zonse zomwe zaperekedwa patsamba lino zikuchokera kumakampani omwe Insider amalipidwa (kuti mupeze mndandanda wathunthu, onani apa). Malingaliro otsatsa amatha kukhudza momwe zinthu zimawonekera patsamba lino (kuphatikiza, mwachitsanzo, dongosolo lomwe zimawonekera) koma sizikhudza zosankha za mkonzi, monga zomwe timalemba komanso momwe timaziwonera. Personal Finance Insider amafufuza zopereka zosiyanasiyana popanga malingaliro; komabe, sitikutsimikizira kuti izi zikuyimira zinthu zonse kapena zoperekedwa zomwe zikupezeka pamsika.
Popereka ndalama zokwana madola mazana angapo pamwezi kubweza ngongole yanu, mutha kukhala ndi nyumba yanu posachedwa. Koma ngakhale mulibe ndalama zowonjezera mwezi uliwonse, mutha kusankha kuyika $50 kapena $100 pazolipira zanu.
Laura Grace Tarpley ndi mkonzi wowunika zandalama ku Insider. Amasintha zolemba zandalama zanyumba, mitengo yobwereketsa, obwereketsa, maakaunti aku banki, ndi malangizo obwereketsa ndi kupulumutsa a Personal Finance Insider. Komanso ndi Certified Educator in Personal Finance (CEPF).
