Sinjani isabelomali sika-30-30-30-10?

Ochwepheshe abaningi bezezimali bayavuma ukuthi kufanele ube nesabelomali, kodwa uma usaqala, kubonakala kulula ukukusho kunokukwenza. Kuyenzeka ukuthi uhlale phansi udale ibhajethi yakho yokuqala, uthole ukuthi awazi ukuthi yimalini oyidingayo. Yilapho isabelomali sika-30-30-30-10 singena khona.

Isabelomali sephesenti, i-30-30-30-10, ikutshela ukuthi ungasebenzisa kanjani amanani athile ezigabeni ezithile. Ngenxa yokuthi ibeka imihlahlandlela yokuqondisa izinqumo zakho zokusebenzisa imali, iphesenti lesabelomali seliphenduke indlela edumile yokwenza ibhajethi.

Futhi uma usaqala ukwenza ibhajethi, le ndlela ingakunikeza isakhiwo nesiqondiso esidingayo.

Sisebenza kanjani isabelomali sika-30-30-30-10?

Lesi sabelomali, esisekelwe kumaphesenti, sikuvumela ukuthi uhlukanise izindleko zakho ngalezi zigaba:

• Izindlu zimelela u-30% wokuqala wesabelomali sakho. Kungaba yirenti noma i-mortgage.
• Isabelomali sakho kufanele sifake u-30% wezinsiza, ukudla, uphethiloli, i-inthanethi, nezinye izindleko ezibalulekile.
• Nikela u-30% ezinhlosweni zezezimali ezinjengokonga nokukhokha isikweletu.
• U-10% ubekelwe izifiso zakho. Lokhu kuhlanganisa ukuzijabulisa nokuhamba.

Ubani okufanele abe nesabelomali sika-30-30-30-10?

Enye yezinketho eziningi yisabelomali se-30-30-30-10. Ngakho unquma kanjani ukuthi le ndlela ikulungele yini noma kungcono ukuthola esinye isisombululo? Isabelomali sika-30-30-30-10 siyindlela enhle kunoma ubani ofuna ukulawula izindleko zabo.

Le ndlela yokwenza ibhajethi ingakunikeza uhlaka oludingayo ukuze unciphise izindleko zakho uma isabelomali sakho sikhuphuka ngokuthenga okungenasidingo.

Isabelomali sika-30-30-30-10 siyindlela enhle kunoma ubani ofuna ukubeka phambili imigomo yabo yezezimali. Ezinye izinhlelo zebhajethi zabela imali encane ekongeni. Lesi sabelomali sifanelekile uma unemigomo yezezimali.

Akuyona eyawo wonke umuntu.

Nakuba isabelomali sika-30-30-30-10 singase sibe sihle kwabanye, singakhohlwa labo abangasitholi siwusizo. Okokuqala, le ndlela yokwenza isabelomali mancane amathuba okuthi iyisebenzele Izindleko eziphezulu zezindawo zokuhlala. Irenti ivamise ukuba phezulu ezindaweni ezibiza kakhulu.

Kulezi zindawo, abantu bavame ukubhekana nobunzima bokugcina izindleko zezindlu zingaphansi kwama-30% omholo wabo wonyaka. Kungase kungenzeki ukuhlala eNew York, e-Los Angeles, noma kwezinye izindawo zedolobha elikhulu lapho izindleko zezindlu ziphezulu kuneholo lakho. Lokhu kuhle inqobo nje uma unethezekile ngendlela osebenzisa ngayo imali.

Uhlelo lwesabelomali lukhawulelwe kakhulu kunezinye mayelana nezindleko ezihlobene nezidingo. Umuntu ozinze ngokwezimali angase acabange ukuthi u-10% wokusebenzisa izidingo kukhulu kakhulu.

Ungakha kanjani isabelomali se-30-30-30-10

Isikhathi sokuqala ukudala ibhajethi yakho ye-30-30-30-10. Nansi indlela yokuqalisa:

Isinyathelo 1: Engeza imali engenayo.

Iholo lakho kufanele labelwe izinhloso ezithile ngokuvumelana nesabelomali sika-30-30-30-10. Ngakho-ke, kubalulekile ukuthi uqale ngokuhlanganisa iholo lakho lanyanga zonke.

Abanye abantu bazokuthola kulula ukwengeza imali engenayo. Uma uzisebenza, cishe kuyafana njalo ngenyanga. Kodwa uma ungumsebenzi wehora, isisebenzi esiceliweUkubala iholo lakho lanyanga zonke uma uzisebenza kungaba nzima kakhulu.

Iholo lakho lingashintshashintsha inyanga nenyanga unyaka wonke. Unezinketho ezimbili: sebenzisa iholo lakho elincane elivamile, noma nje isilinganiso sazo zonke izinyanga zakho. Khumbula ukuthi uma usebenzisa i-avareji yakho yeholo, ezinyangeni lapho iholo lakho lingaphezu kwesilinganiso, kuyodingeka ubeke eceleni imali ozoyisebenzisa ezinyangeni lapho iholo lakho lingaphansi kwesilinganiso.

Isinyathelo sesi-2: Hlanganisa zonke izindleko zakho

Isinyathelo esilandelayo ukuhlanganisa zonke izindleko zakho. Lokhu kwenziwa kalula ngokubheka zonke izitatimende zakho zasebhange nezekhadi lesikweletu kusukela ezinyangeni ezi-3-6 ezedlule. Ngale ndlela ungabhala phansi ukuthenga ngakunye. Uma usuzibalile izindleko zakho eziphelele esigabeni ngasinye sebhajethi, ungenza izibalo ukuze uthole isilinganiso senyanga ngayinye.

Isinyathelo sesi-3: Hlukanisa izindleko zakho ngezigaba ezifanele

Hlukanisa izindleko zakho ngokwesigaba sesabelomali uma usuzitholile izindleko zakho zanyanga zonke. Ezinye zalezi zigaba zicacile. Isibonelo, izinkokhelo zakho zanyanga zonke zerenti nezezindlu eziwela ngokusobala esigabeni “sezindlu”. Ngokufanayo, izinkokhelo zenyanga kanye nezinkokhelo zomshwalense ziwela esigabeni "sezidingo".

Nokho, ezinye izindleko zingase zingabonakali zilula kangako. Nezindleko zokudla? Yebo, ukudla kubalulekile. Kodwa akuzona zonke izindleko zokudla ezidingekayo. Kuzomele uzinqumele ukuthi yiziphi izindleko zokudla ezidingekayo nokuthi yiziphi ezibalwa njengokufunayo.

Ungase uhlangabezane nombuzo ofanayo mayelana nezingubo, ikakhulukazi uma kufanele ugqoke izingubo ezithile ukuze usebenze. Uma uthenga izingubo ozozigqoka emsebenzini, ingabe lokho kubalwa njengesidingo noma into oyidingayo? Nguwe kuphela owazi iqiniso.

Isinyathelo sesi-4: Zibekele imigomo yezezimali

Ukuchitha imali emigomweni yezezimali yingxenye ebalulekile yesabelomali sakho se-30-30-30-10. Le ndlela yokwenza isabelomali isho ukuthi cishe izingxenye ezintathu kwezine zesabelomali sakho ziya emigomweni yezezimali njengokukhokha isikweletu noma ukongela ikusasa.

Kodwa ukuze uthole indawo yale mali kubhajethi yakho, kubalulekile ukuthi uzibekele imigomo ethile. Ukubeka imigomo ngeke nje kuqinisekise ukuthi usebenzisa imali ezintweni ezibalulekile kuwe futhi kukusondeze nempilo oyiphuphayo, kodwa ukuba nemigomo ethile kuzokugqugquzela ukuthi wonge.

Nazi ezinye izinjongo zezimali ezingaba khona ongazibandakanya kubhajethi yakho.

• Khokha izikweletu
• Ukuhlela umhlalaphansi
• Ukongela inkokhelo yendlu
• Thatha iholidi lamaphupho akho
• Khokhela imfundo ephakeme yengane yakho
• Kungenzeka ukuqala ibhizinisi

Isinyathelo sesi-5: Yehlisa noma ukhuphule izindleko zakho ukuze ufinyelele amaphesenti oyifunayo

Ngemva kokwenza isabelomali sakho, ungase ubone ukuthi ezinye zezindleko zakho azifani namaphesenti esigaba. Lapha yilapho kungase kudingeke wenze khona ukulungisa. Ungathola ukuthi izinto ozifunayo zibalelwa ku-10% noma ngaphezulu webhajethi yakho ngemuva kokuyisetha.

Buyekeza izindleko zakho ukuze ubone ukuthi kukhona yini onganciphisa. Ngakolunye uhlangothi, ungathola ukuthi ubunemingcele ekusebenziseni kwakho imali kangangokuthi awusebenzisi ngisho no-10% wesabelomali sakho ezifisweni zakho. Mhlawumbe udinga isikhathi esengeziwe sakho.

Ngokufanayo, ungenza ibhajethi futhi uqaphele ukuthi ushoda ngama-30% ekufinyeleleni izinjongo zakho zezezimali. Uma ushoda ngo-30%, ungase ungakwazi ukukushintsha ngobusuku obubodwa. Manje njengoba usucacile mayelana nenhloso yakho yokonga, ungalungisa kancane kancane indlela osebenzisa ngayo imali ukuze uyifinyelele.

Ukuqhathaniswa kwesabelomali se-30-30-30-10 namanye amaphesenti

Isabelomali sika-30-30-30-10 siyiphesenti elilodwa nje lokukhetha isabelomali, kodwa akuyona yodwa.

Ungasebenzisa futhi amanye amaphesenti amabhajethi ukuze uqondise indlela osebenzisa ngayo imali. Ngezansi sizobona okunye okubili ukuze ukwazi ukunquma ukuthi iyiphi ekulungele.

presupuesto 30-30-30-10 vs. 50-30-20

Esinye sezabelomali ezaziwa kakhulu yi-50-30-20. Empeleni yadalwa ngu USenator Elizabeth Warren. Kufanele usebenzise u-50% ezidingweni zakho kanye no-30% ezintweni ozifunayo. Imali eyongiwe ngu-20%. Iphuka kanjena:

• I-subsidy engu-50% ihlanganisa irenti, izinkokhelo zezindlu, umshwalense, ukukhokhwa kwemali mboleko kanye nezinsiza.
• I-subsidy engu-30% ihlanganisa noma yiziphi izindleko ezengeziwe kubhajethi yakho. Lokhu kuhlanganisa ukudla ngaphandle nokuhamba, kanye nezingubo ezintsha.
• Ungagcina u-20% kunoma yini ekusiza ukwandisa ingcebo yakho. Kungaba yimali oyibekela eceleni ukwakha isikhwama sezimo eziphuthumayo. Ingasetshenziswa futhi ukonga amagoli. Ungagcina imali ngokufaka imali kuma-akhawunti wokutshala imali.

Ngomqondo wokuthi bobabili bakha isakhiwo futhi bakusize unqume ukuthi ingakanani imali ozokwabela isigaba ngasinye, isabelomali se-50-30-20 sisebenza ngendlela efanayo ne-30-30-30-10. Uyabona futhi ukuthi kukhona umehluko.

Okokuqala, isabelomali se-50-30-20 sikuvumela ukuthi usebenzise okuningi ezindlekweni ozikhethele. Ngakho-ke, kungase kube ngcono uma ungafuni ukuzizwa ulinganiselwe isabelomali sakho.

Kodwa-ke, isabelomali se-30-30-30-10-10 sikuvumela ukuthi usebenzise imali eyengeziwe ngezinhloso zakho zezezimali. Uma ungase uthathe umhlalaphansi maduzane noma ube nemigomo emikhulu yezezimali, njengokuthenga ikhaya lamaphupho akho noma ukukhokha izikweletu eziningi, lesi sabelomali singase silingane kangcono.

isabelomali 30-30-30-10 vs. 80-20

Enye indlela yokuhlukanisa izindleko zakho ngezigaba yindlela yesabelomali engama-80-20. Nokho, le ndlela yokwenza isabelomali iyona elula ukuyisebenzisa njengoba inezigaba ezimbili kuphela zezindleko.

Ukwenza isabelomali ngendlela ye-80-20 kuyindlela enhle Ngokusekelwe kumgomo wePareto, othi u-20% kuphela wemizamo yakho unesibopho sokuphumelela okungamaphesenti angama-80,. Lena yindlela isabelomali esibukeka ngayo:

• Chitha u-80% ezidingweni zakho nezinto ozifunayo
• Yonga u-20% wesabelomali sakho sanyanga zonke futhi usisebenzise emigomweni yakho yezezimali.

Ungabona ukuthi isabelomali se-80-20 sabela inani elifanayo lesabelomali njengesabelomali sika-50-30-20 kumigomo yokonga nezezimali.

Kubalulekile ukuqaphela ukuthi esikhundleni sokubeka izidingo zakho nezinto ozifunayo ezigabeni ezehlukene, beka zonke izindleko zakho esigabeni esifanayo. Lokhu kuchaza izabelomali eziningi.

Isabelomali esingama-80-20 singase sibe ngesakho uma ufuna isiqondiso esijwayelekile sokukusiza ukuthi uhlele isabelomali sakho, kodwa awufuni ukuzizwa ulinganiselwe phakathi kwezidingo zakho nezinto ozifunayo futhi ukhetha ukuhlanganisa zonke izindleko zakho ndawonye.

Zama isabelomali se-30-30-30-10!

Ungase uzizwe ukhungathekile ngenani lezinketho lapho uqala ukwenza ibhajethi. Izabelomali ezisuselwe kumaphesenti, njengesabelomali sika-30-30-30-10, zingakusiza ukuphatha izindleko zakho.

Njengazo zonke izindlela zokwenza isabelomali, kubaluleke kakhulu ukuqala kunokuqeda. Amaphesenti angu-30-30-30-10 angasebenza njengesiqondiso, kodwa izinombolo zakho zangempela zizohluka kuye ngezinjongo zakho zezezimali kanye nezindleko.

Ungahlola futhi isabelomali se-70-20-10, 60-20-20, kanye ne-60-30-10!

Ngomhlahlandlela wethu wesabelomali ungakwakhela isabelomali esiphelele Isifundo sebhajethi samahhala I-Clever Girl Finance nayo iyinsiza enkulu YouTubeBona okulandelayo Instagram Ukuze uthole amathiphu asebenza ngempumelelo ebhajethi azokusiza ukuthi wonge okwengeziwe, chofoza lapha