Ukhokha malini umholo wabantu abayisithupha?

Iphupho lomholo wezibalo eziyisithupha lingenzeka. Ngemva kwakho konke ukuzikhandla kwakho, uklonyeliswa ngoziro abaningi emalini yakho yokuhola. Kodwa-ke, khumbula ukuthi labo ziro abahlanganisi impilo ecebile.

Abantu abaningi babheka iholo lonyaka lezibalo eziyisithupha njengesibonelo samandla abo okuzuza. Abaningi abafinyeleli kulawo mazinga emali engenayo. Kodwa abaningi abafinyeleli kuleyo mali.

Ake singene kokuthi inzuzo enezibalo ezingu-6 isho ukuthini ngempela kumugqa wakho ophansi. (PS Ungabheka nezindatshana zethu ukuthi zisho ukuthini izibalo ezi-5, izibalo eziyi-7 ngisho nezibalo eziyi-10)

Ingabe iyifanele ngempela imali enamanani angu-6?

Iyini imali enamanani ayisithupha? Noma yiliphi inani elingenhla lilungile. Izibalo eziyisithupha zamaRandi ayi-100.000, ngaphansi kwesigidi zilingana nezibalo eziyisithupha.

Ingakanani iholo lezibalo eziyisithupha kulesi sisekelo? Ngokuyisisekelo, noma yimuphi umsebenzi okhokha ngaphezu kwe- $ 100.000 ngonyaka, kodwa hhayi ngaphezu kwesigidi, uthathwa njengeholo lezibalo eziyisithupha. Njengoba ubona, ububanzi bukhulu kakhulu uma ucabangela ukuthi iyini imali engenayo enamanani ayisithupha.

Imali engenayo enezibalo eziyisi-6 isengabhekwa njengephakeme.

Yimiphi imisebenzi enenani lezibalo eziyisithupha?

Ungase uzibuze ukuthi kusho ukuthini umholo wabantu abayisithupha. Hhayi-ke, uma uphupha ngokuba ngumuntu ohola kakhulu, kuzofanele uthole umsebenzi oholelayo.

Kunemisebenzi eminingi yabantu abayisithupha laphaya. Vele, umuntu ucabanga ngokushesha ngodokotela nabameli abahola imali eningi. Imali engenayo yonyaka ephakathi kodokotela ingu-$208.000, kuyilapho abameli behola imali ephakathi engu-$120.910. Bobabili bathola imali eyisithupha, kodwa odokotela banomholo ophakathi ophakeme kakhulu.

Kukhona futhi izinketho zemisebenzi enenzuzo:

Lezi zingcweti zingazuza ngaphezu kwezibalo eziyisi-6 ngonyaka. Kodwa lezi akuzona kuphela izinketho. Osomabhizinisi bangathola imali enkulu nge-inthanethi. Akudingekile ukuthi ukhethe phakathi kwale misebenzi enenzuzo enkulu.

Ingakanani imali engenayo enamanani angu-6?

Ukuthi ngokwezobuchwepheshe awutholi iholo lezibalo eziyisithupha emsebenzini wakho we-9-5 akusho ukuthi awukwazi ukuzuza izibalo ezingaphezu kweziyisithupha. umsebenzi?

Umehluko oyinhloko phakathi "kwemali engenayo" kanye "nomsebenzi" yilapho kuhlangana khona ukuxokozela kanye nemali engenayo engenzi lutho. Ungathola imali engaphezu kwezibalo eziyisi-6 ngokwandisa iholo lakho ngalezi zindlela.

Isibonelo, abaningi bafunda ukuba ababhali abazimele, ama-blogger, abasebenzisi be-YouTube, abasizi ababonakalayo futhi bakhuphukele phezulu, konke kusuka ekunethezekeni kwemizi yabo. Abanye abagqugquzeli bendlela yokuphila baze bathole imiholo enamanani ayi-6

Ubani owayazi ukuthi ungaba umnikazi webhizinisi onamanani ayisithupha usekhaya! Lokhu kukhombisa ukuthi amaholo amakhulu angatholwa abantu ngaphandle kwabalingisi noma abasubathi abangochwepheshe.

Abanye abantu baphila kahle ngemali engenayo nje. Ngokuhlukanisa imithombo yakho yemali engenayo, ungazuza izibalo ezingaphezu kwezi-6 ngonyaka.

Izindaba ezinhle ukuthi awudingi iziqu zasekolishi ukuze uthole imali engenayo yabantu abayisithupha.

Imali engenayo yezibalo eziyisithupha incazelo yempilo

Abaningi banethemba lokuzuza indlela yokuphila yabantu abayisithupha. Ngokuvamile, le “mpilo yamaphupho” iza nezimoto zikanokusho, amaholide kanokusho, nezindlu ezinkulu kakhulu. Nokho, impilo ewubukhazikhazi enezinto ezibizayo izoqala ngokushesha ukudla emholweni wakho.

Umuzwa wempumelelo yiwo ozungeza umholo onamanani ayisithupha. Iholo elikhulu lingakwenza uzizwe sengathi usufeze iphupho laseMelika. Lokhu akulona iqiniso ngaso sonke isikhathi.

Uma usebenzisa iholo lakho lonke “ukuphila okucebile” okugcwele izinto ezicwebezelayo, uzovaleleka emjikelezweni ononya. Ngisho noma amasheke akho emakhulu, ungase ubambelele emalini ekhokhwayo ukuze ukhokhe

Lokhu kungenxa yokuthi abantu abaningi baphambanisa imali engenayo nengcebo. Iholo lakho liyimali oyithola usuku ngalunye lokuhola. Umcebo ungachazwa njengemali oyilondolozile noma oyikhulise eminyakeni edlule

Ungaba nengcebo kungakhathaliseki ukuthi uhola malini. Nakuba ungakwazi ukwandisa ingcebo yakho usebenzisa iholo lakho, akufanele isetshenziswe esikhundleni ingcebo.

Ingakanani iholo langempela lomholo onamanani ayisithupha? Izinto eziyisithupha ezingathinta iholo lakho

Ngisho noma ufinyelela kumaki womholo onamanani ayisithupha, izici eziningi zizoba nomthelela kwinani lomholo wakho. Ungase ube nezibopho ezingaphezu kwamandla akho ezinciphisa kakhulu iholo lakho.

Umholo wakho ungase ungabi mkhulu njengoba ubucabanga. Yilezi zici ezenza iholo lezibalo eziyisithupha likufanele.

Ake sibheke ezinye zezindlela ezingahlanjululwa ngazo iholo lakho.

1. Isikweletu sekhadi lesikweletu

Umholo onamanani ayisithupha ungasho lukhulu, ngaphandle uma ucwila esikweletini sekhadi lesikweletu. Ungagcina ungenayo imali ekupheleni kwenyanga ngenxa yesikweletu esinenzalo enkulu.

Futhi, kungakhathaliseki ukuthi uhola malini uma uphila ngaphezu kwamandla akho, uyohlala uphila ngesheke lokukhokha umjikelezo wokukhokha.

2. Isikweletu semalimboleko yabafundi

Abantu baseMelika bahlala bethwele kanzima ngenxa yezikweletu zemali mboleko yabafundi. Kuzodingeka ukhokhe imali enkulu uma uke wathatha imali mboleko yabafundi eningi ukuze uxhase imfundo yakho. Ngezinye izikhathi kungenzeka ukuthi ubudinga imfundo ebiza kakhulu ukuze uthole umsebenzi omuhle.

Isibonelo, odokotela bangabantu abavamile. Umuntu oyedwa ophothule esikoleni sezokwelapha ukweleta isikweletu semali mboleko yabafundi esingu-$241.600!

Uma usuthole umsebenzi okhokha kakhulu, isikweletu semalimboleko yabafundi asisuki. Uma wenza imali eningi, isikweletu semali mboleko yabafundi sidla iholo lakho. Ngaphandle uma wenza uhlelo lokubhekana nesikweletu semalimboleko yabafundi, singaba nesisindo emalini oyitholayo amashumi eminyaka.

3. Nomaphi lapho uhlala khona

Izindleko zokuphila ziyehluka kakhulu ezweni lonke. Ngokuvamile, amadolobha amakhulu anezindleko eziphakeme zokuphila. I-San Francisco, New York, ne-Washington DC yizibonelo ezimbalwa nje zezindleko eziphakeme zezindawo zokuhlala. Uma uhlala endaweni ebiza kakhulu, imali oyitholayo ephezulu ingase ingahambi kude kakhulu.

Isibonelo, izindleko ezimaphakathi zefulethi elinekamelo lokulala elilodwa eNew York City zingama-$3.225 ngenyanga. Uma usebenzisa imali engaphezu kwama-$38.700 ngonyaka ngokuqashisa nje, ezinye izindleko zakho zinganda ngokushesha. Kuzodingeka ucabangele izindleko zikagesi, izindleko zokuhamba, kanye nezindleko zokudla, okungaba yizindleko ezinkulu ngokushesha edolobheni elikhulu.

I-Orlando, FL inikeza izindleko zokuphila eziphansi. Uzojabulela izindleko zokuphila eziphansi. Izindleko ezijwayelekile zefulethi elinekamelo lokulala elilodwa e-Orlando zingama-$1.597. Uma usebenzisa imali engaphansi kwama-$20.000 ekuqasheni, uzokwazi ukwelula umholo wakho omkhulu kakhulu.

Lokhu kusebenza nasekuthengeni ikhaya. Awufuni ukuzandisa ngokweqile uze ube "mpofu endlini" ngenxa yezinkokhelo zakho ze-mortgage ezibizayo.

Leli iphuzu elibalulekile okufanele ulikhumbule uma ufuna imisebenzi ebiza kancane. Ungathola umholo ophezulu edolobheni elingabizi kakhulu . Umholo omuhle edolobheni elisezingeni eliphezulu ungakutholela okungaphezu nje komsebenzi omuhle.

4. Injabulo

Bathi imali ingathenga injabulo, kodwa ingabe iyiqiniso ngempela? Ake sithi unomsebenzi okhokha u-$100.000, kodwa uyakwenza ungajabuli. Uma usebenza amahora angu-40 ngesonto futhi ungajabule, ingabe lowo mholo uzokujabulisa?

Awukwazi ukuthenga injabulo yeqiniso. Ukuzuza okwengeziwe kuhle, kodwa akukuthokozisi uma usebenza endaweni ongayithandi.

Ngakho-ke, akudingekile ukuba neholo lezibalo eziyisithupha uma kuziwa enjabulweni yeqiniso.

I-5 Isikhathi

Kungakhathaliseki ukuthi siyakuthanda noma cha, isikhathi siwumthombo wethu oyigugu kakhulu. Ngamunye wethu unamahora angu-24 ngosuku nezinsuku ezimbalwa kuphela ngonyaka zokuphila impilo esiyifunayo. Indlela esichitha ngayo lezo zinsuku iyona ezonquma injabulo yethu.

Ukuze bathole iholo labantu abayisithupha, abantu abaningi basebenza amahora angu-60 kuya kwangu-80 ngesonto ehhovisi. Ihhovisi lingamosha isikhathi sakho futhi lenze kube nzima ukuphila impilo egcwele. Ungase ufune isikhathi esengeziwe ongasichitha nomndeni wakho, wenze umsebenzi wokuzilibazisa, noma umane uphumule ntambama.

Uma unesikhathi esincane, uvame ukusebenzisa imali eyengeziwe ukuze unxephezele. Ukuze wonge isikhathi futhi ugweme ukwenza ukudla, ungakwazi ukweqa ukuzivocavoca noma ukupheka ekhaya. Ungagcina usuphila impilo engaphansi kwenhle, enganciphisa iholo lakho.

6. Linganisa izintela

Umalume uSam nomndeni wakhe bathatha ingxenye yedola ngalinye oliholayo. Ngisho noma imali yakho yonke engenayo idlula u-$100.000, inkokhelo yakho oya nayo ekhaya iyinani olizuzile ngempela. Ngeshwa, isibalo sangemuva kwentela singase sidumaze kancane.

Ake sithathe isibonelo somuntu onomholo wakhe wezinombolo eziyisithupha ongu-$100.000 ngaphambi kwentela. Ake sithi futhi uhlala eNew York futhi akashadile. Ungasebenzisa umshini wokubala intela yengeniso. Umholo walesi sisebenzi uzoba cishe u-$68.000.

Lezi zibalo zifaka izintela zikahulumeni, zombuso nezinye. Nakuba i-$ 68.000 ingase ibonakale iyimali eningi, isengaphansi kakhulu ku-$ 100.000.

Kungase kudingeke ukhokhe izintela ezihlukene kuye ngokuthi uhlala kuphi. Funda kabanzi lapha ukuze uthole umbono ongcono wokuthi zingakanani izintela ezizokubiza unyaka ngamunye.

7. Indlela yokuphila enwabuzelayo

Kungavuza kakhulu ukuthola iholo lezibalo eziyisithupha. Kodwa-ke, kufanele uqaphele ukwehla kwamandla emali. Ukwehla kwamandla emali ngendlela yokuphila kwenzeka lapho imali engenayo eyengeziwe ikwenza usebenzise imali eningi. Ngakho-ke kungakhathaliseki ukuthi uhola malini, kufanele uhlale uqinisekisa ukuthi uphila ngokwamandla akho ukuze ugweme ukwehla kwamandla emali.

Uma kungenjalo, uyohlala uphila usuku nosuku naphezu kweholo lakho.

Ukuze wakhe ingcebo, ingabe udinga imali engenayo enamanani angu-6?

Abaningi banethemba lokufeza iphupho lomholo wezinombolo eziyisithupha, kodwa iningi alikwenzi lokho. Ngokusho kwe-Bureau of Labor Statistics, umholo omaphakathi wabo bonke abantu baseMelika abaneminyaka engaphezu kwengu-16 u-$908 ngesonto, noma u-$47.216 ngonyaka . Lesi sibalo siphezulu kancane kubantu abaneminyaka engu-25 kuya kwengu-34, ku-$1022 ngesonto, noma u-$53.144 ngonyaka. Kodwa-ke, zombili lezi zibalo zingaphansi kakhulu kuka-$100.000.

Ucabanga ukuthi ukuphepha kwezezimali akunakwenzeka? Cha! Kungenzeka ngokuphelele ukudala ingcebo ngemali engenayo ephansi kakhulu. Kumayelana nokuthi wonga malini, hhayi lokho okusebenzisayo.

Ukonga kuzokwanda njengoba uqongelela ingcebo. Kodwa ngeke uqongelele ingcebo uma iholo lakho kuwukuphela kwento oyitholayo. Ake sithi uhola u-$100.000, kodwa uchitha wonke umholo wakho.

Ingabe ngempela ungcono kunomuntu ohola u-$50.000 kodwa okwazi ukonga u-$10.000 unyaka ngamunye? Esikhathini eside, cha. Nakuba ungase ujabulele ukuphila okunethezeka “okucebile,” lo muntu uzoba nokuzinza ngokwezimali ukuze enze umhlalaphansi ube ngokoqobo.

Dala ingcebo ngaphandle kokuhola iholo lezibalo eziyisithupha

Ukudala ingcebo kunzima, kodwa kungenzeka. Yize kuzodinga umsebenzi nokuzinikela ukufeza izinhloso zakho, ungakha ingcebo futhi wandise inani lakho eliphelele. Nakhu ozodinga ukukwenza ukuze wakhe ingcebo ngaphandle kokuba neholo lezibalo eziyisithupha.

1. Isizathu sakho silapha

Kuthatha isikhathi ukwakha ingcebo. Kudinga isikhathi nomzamo. Ngokuvamile kuzodingeka ukuthi cha kulokho okufunayo ngokushesha ukuxhasa izinhloso zakho zesikhathi eside.

Lokhu kungase kusho ukudla kakhulu ekhaya, ukuyeka ukuthenga, noma ukukhetha ukushayela imoto endala. Zonke lezi zinto zamukeleka ngokuphelele ekuphishekeleni umgomo. Kungaba nzima ukuhlala usendleleni uma ungenawo umgomo ocacile.

2. Lahla izikweletu zakho

Uma unezikweletu, manje yisikhathi sokuzikhokha. Ungakwazi ukuvimbela imigomo yakho yengcebo yesikhathi eside ngokuvumela izikweletu zinqwabelane. Izinkokhelo zakho zenyanga zonke zingasetshenziswa kangcono ukuxhasa amasu okutshala imali esikhathi eside.

Bheka zonke izikweletu zakho. Thatha isiqeshana sephepha ubhale phansi zonke izikweletu zakho. Kungase kuthuse ukubabona ephepheni, kodwa kuyindlela enhle yokwandisa umdlandla wakho.

Eqinisweni, uma ungabhekani nesikweletu sakho ngokushesha, kungase kukuthathe iminyaka eminingi ukukhokha imali ebolekiwe enkulu enenzalo ephezulu. Thatha isinyathelo futhi udale isu lokukhokha isikweletu namuhla.

3. Hlola indlela yakho yokuphila

Hlola izindleko zakho ukuze ubone ukuthi ungakwazi yini ukukhokhela indlela yakho yokuphila. Ukuze uthole isithombe esigcwele, kufanele uthembeke ngokuphelele kuwe.

Unganciphisa izindleko zakho ngaphandle kokudela injabulo yakho. Uzomangala ukuthi mangaki amathuba okonga akhona.

4. Ungagcina imali yakho

Ukwakha ingcebo kumayelana nokonga imali. Nakuba ungaqala ngokwakha isikhwama sezimo eziphuthumayo, ukudala ingcebo kudlula izinkulungwane ezimbalwa zamadola. Cabanga nje ukuthi ukuphila kwakho kuyoba njani esikhathini esizayo.

Ingabe kufanelekile ukuqhubeka nokugaya umsebenzi iminyaka engamashumi amane ezayo? Ungathanda yini ukuba nemali eyanele ukuze uphile impilo yenkululeko? Uma unezinhloso eziphakeme njengokuthatha umhlalaphansi ngolunye usuku, kubalulekile ukonga imali manje.

Ngisho noma ucabanga ukuthi ayikho imali eyanele yokuhamba, yonke isenti ibalulekile. Lwela ukwakha ukonga kwakho kancane kancane. Akudingeki ukuthi ube nemali engenayo yabantu abayisithupha ukuze wonge imali.

5. Itshalwe ekongeni

Akwanele ukonga imali yakho, kufanele futhi uyitshale. Imali yakho ingakhula ngokutshalwa kwezimali. Uzobonga ngokuthi uthathe isinqumo sokutshala imali.

Uma ungazi ukuthi ungaqala kuphi ukutshala imali, zama ukuhlela isu lakho lokutshala imali. Kubalulekile ukwazi ukuthi ungakha kanjani iphothifoliyo yokutshala imali ehlukahlukene ukuze wenze imali yakho ikusebenzele.

6. Uyafuna ukwandisa iholo lakho?

Nakuba ungenza imali eningi nganoma iyiphi imali engenayo, kungenzeka ukuba ube eningi. Isinyathelo esisobala kakhulu ukucela ukwenyuselwa imali. Nakuba kungase kubonakale kusabisa, ukuqala izingxoxo zamaholo nenkampani yakho kungaba nomvuzo. Ngomsebenzi ofanayo, ungathola iholo elingcono.

Futhi, uzothola ukuzethemba okuvela ekuzimeleleni kwakho. Zisekhona ongakhetha kukho uma uke wazama ukuxoxisana ngamaholo kodwa wangaphumelela. Ukuqala ibhizinisi eseceleni kuyindlela emangalisayo yokukhulisa iholo lakho.

Umsebenzi oseceleni ophumelelayo ungakhuphula iholo lakho. Uzofunda namakhono abalulekile azokusiza ube wusizo olungcono kumqashi wakho. Kufanele uqinisekise ukuthi udala ingcebo ngokwandisa iholo lakho.

Kungenzeka ukwakha ingcebo ngisho ngaphandle kwemali engenayo yezibalo eziyisithupha!

Imali engenayo enezibalo eziyisi-6 ingaba usizo, kodwa ayiyona ingxenye ebaluleke kakhulu yokudala ingcebo. Kubalulekile ukunquma ukuthi wenzani ngemali engenayo. Uma uchitha konke ezindlekweni zokuphila, iholo eliphezulu ngeke likusize kakhulu ngokuhamba kwesikhathi.

Ungazizwa ucebile ngisho noma ungatholi iholo lezibalo ezingu-6 uma uthatha izinyathelo zokwakha ingcebo namuhla.