Ngaba kufuneka ndihlawule imali-mboleko yam?
"Ukuba ufuna ukufumana inkululeko yezemali, kufuneka uphelise lonke ityala, kwaye ewe, oko kubandakanya imali oyibolekileyo," umbhali ngezemali kunye nomququzeleli we-ABC's "Shark Tank" uxelela i-CNBC Yenze. ngeminyaka engama-45, yonke into ivela. imali-mboleko yabafundi kwityala lekhadi lokuthenga ngetyala sele ihlawulwe, utshilo u-O'Leary.
Ngaba ungayifumana imali mboleko yeminyaka engama-30 xa umdala? Okokuqala, ukuba unayo indlela, akukho minyaka indala kakhulu ukuba ungathenga okanye uhlawule ikhaya. Umthetho i-Equal Credit Opportunity Act uthintela ababolekisi ukuba bavale okanye batyhafise nabani na ekufumaneni imali-mboleko ngokusekelwe kwiminyaka yobudala.
Kutheni ungabhali indlu yakho kwangethuba? Ngokuhlawula imali-mboleko yakho, uqinisekisa imbuyekezo kutyalo-mali lwakho olulingana nomlinganiselo wenzala kwimali-mboleko. Ukuhlawula imali-mboleko yendlu kwangethuba kuthetha ukuba usebenzisa imali ebinokuthi ityalwe kwenye indawo ubomi bonke bemali-mboleko, ukuya kuthi ga kwiminyaka engama-30.
Ukubhatala imali-mboleko kwangethuba yindlela elungileyo yokukhulula imali yenyanga nenyanga kwaye uhlawule inzala encinci. Kodwa uya kuphulukana nokutsalwa kwerhafu yenzala, kwaye mhlawumbi uya kufumana ngaphezulu ngokutshala imali endaweni yoko. Ngaphambi kokuba wenze isigqibo, cinga ngendlela obuya kuyisebenzisa ngayo imali eyongezelelweyo nyanga nganye.
Ubomi emva kokuhlawula imali mboleko
UDi Johnson kwixesha elidlulileyo ufumene inkxaso-mali yophando kwiBhunga lezeMfundo yoCwangciso lwezeMali (i-FPEC), kwaye ube negalelo kwiiprojekthi ezixhaswa ngemali ngokuyinxenye okanye zixhaswa ngamaqabane kushishino locwangciso lwezemali. UnguMntu we-Academy of Higher Education, i-Academic Fellow ye-Financial Planning Association (FPA), i-Fellow ye-FPEC (e-Australia), i-US Academy of Financial Services (AFS), kunye ne-Australian Economics Society (ESA) , kuquka i-Women in Economics Network (WEN). Eli nqaku liyinxalenye yothotho lwemfundo yezemali nezoqoqosho exhaswa ngemali yi-Ecstra Foundation.
Ukuba uvimba wakho wemali ongxamisekileyo ubonakala ulungile kwaye unokwaneleyo ukukuhlawulela iinyanga ezintathu ukuya kwezintandathu xa unokuphulukana nomsebenzi wakho, umbuzo wokubambisa okanye umhlala-phantsi lukhetho olufanelekileyo lokucingisisa. Akukho mpendulo inye kuye wonke umntu.
Ekuqaleni, kukho iingxoxo ezinyanzelisayo zokuqokelela umhlalaphantsi; Ungathatha ithuba lomlingo wenzala ehlanganisiweyo (kwaye nokubakho nekhefu lerhafu), lonke eli xesha amaxabiso emali-mboleko ephantsi.
Kutheni ungaze uhlawule imali-mboleko yakho?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Indlu ihlawulwe ngama-45
Cinga ngetyala elihle ngolu hlobo: Intlawulo nganye oyenzayo iyakwandisa ubunini be-asethi, kule meko ikhaya lakho, nangaphezulu. Kodwa ityala elibi, njengeentlawulo zekhadi letyala? Elo tyala lelezinto osele uzihlawulele kwaye mhlawumbi ozisebenzisayo. Awuyi kuba "ngumnikazi" wee jeans, umzekelo.
Kukho omnye umahluko ongundoqo phakathi kokuthenga ikhaya nokuthenga izinto ezininzi neenkonzo. Amaxesha amaninzi, abantu banokubhatala imali ngezinto ezifana nempahla okanye izinto zombane. “Uninzi lwabantu bebengakwazi ukuhlawula imali yendlu,” utshilo uPoorman. Loo nto yenza ukuba imali-mboleko iphantse ibe yimfuneko ukuthenga indlu.
Uqokelela imali eyongileyo yomhlalaphantsi. Ngenzala ephantsi kakhulu, "ukuba ubeka imali obuya kuyisebenzisa ukuhlawula imali mboleko kwi-akhawunti yomhlalaphantsi, imbuyekezo yexesha elide inokugqithisa ukugcinwa kokuhlawula imali mboleko," utsho uPoorman.
Ingcebiso: Ukuba unethamsanqa lokukwazi ukuhlawula imali-mboleko yakho ngokukhawuleza kwaye ingcamango ihambelana nemali yakho, cinga ngokufudukela kwishedyuli yentlawulo ye-bi-weekly, uhlanganise yonke into oyihlawulayo, okanye wenze intlawulo eyongezelelweyo ngonyaka.
