Unentaba encinci yamatyala ekujonga ebusweni ngalo lonke ixesha ujonga iakhawunti yakho yebhanki, kodwa uneakhawunti yokonga ungenza nantoni na ukuyinyusa. Xa intsalela yemali ifika ngequbuliso, yifolokhwe yezemali endleleni: Ngaba ufanele uhlawule ityala okanye wonge? Impendulo, ngokukaJennifer Barrett, igosa eliyintloko lezemfundo Ii-acorns , indawo ezinikele ekukuncedeni uqinise umgca wakho ophantsi, ayinzima kakhulu kunokuba ucinga.
Yintoni omawuyibeke phambili yonke into yehla kuMgangatho wakho woMdla
Xa ugqiba ekubeni uhlawule ityala kuqala okanye wonge, inyathelo lokuqala kukufumana ngokucacileyo ukuba yimalini na oyityalayo, uyacacisa uBarrett. Kodwa oko kufuna okungaphezulu nje kokukroba kwibhalansi yakho. Kufuneka ubale ukuba yimalini oyihlawula kwinzala kwelo tyala, emva koko uzame ukuthoba inzala kangangoko unako.
Ityala lekhadi lokuthenga ngetyala linokuthwala inzala yonyaka ye-16 ekhulwini—nto leyo engumlinganiselo wangoku—okanye ngaphezulu, utsho uBarrett. Inzala ephezulu inokongeza kakhulu kwinto oyityalayo kwaye yenze kube nzima ukuyihlawula, ngakumbi ukuba wenza intlawulo encinci kuphela.
Emva kokuba unenzala efanelekileyo (o.k.t. awuqokeleli amatyala amaninzi kunokuba uhlawula nyanga zonke), ukwimeko engcono yokwabela imali ematyaleni kunye nokonga ngaxeshanye.
Eyona nto ibalulekileyo: Xa usenza isigqibo ngento omawuyibeke phambili—ityala kunye nokugcina imali—ukuhlawula amatyala anenzala ephezulu kufuneka kusoloko kuza kuqala.
Ungaliphelisa njani iTyala leNzala ePhakamileyo ngokukhawuleza
U-Barrett ucebisa ukwenza i-dent ebalulekileyo kwityala lekhadi letyala letyala eliphezulu ngokudlulisela ibhalansi yenzala ephezulu kwinzala ephantsi (okanye, ixesha elifutshane, elingenanzala) ikhadi nge-balance transfer offer.
Kodwa unokufowunela umniki wekhadi lakho letyala ngokuthe ngqo kwaye uxoxisane ngezinga eliphantsi ukuze ugcine ibhalansi yakho apho ngokuyidlulisela. (Qinisekisa ukuba uyawenza umsebenzi wakho wesikolo owenzelwa ekhaya kwaye ube ne-balance transfer transfer oyigqibileyo-ithetha ukuba wenze imathematika kuyo nayiphi na imirhumo-ukuze ukwazi ukuyityhala ukuba ihambelane nayo.)
Gcina ukhumbula: Inqaku lekhadi lakho letyala likwayeyona nto iphambili ukuba ufuna ukutshixa ngexabiso lenzala elingcono.
ENXULUMENEYO: Ndibethe iNqaku lam leTyala ukusuka kwi-590 ukuya kwi-815…Nantsi indlela
Nje ukuba unciphise iNzala yakho, Hlawula iTyala *kwaye* Gcina
Ngoku lixesha lokuthatha isigqibo ngekamva lalo ntsalela ngequbuliso. NgokwaBarrett, xa sele uthethile kwaye wehlisa inzala yakho kangangoko unako, injongo yakho kufuneka ibe kukuhlawula amatyala angekahlawulwa ngokukhawuleza kangangoko unako. Oko kwathiwa, kububulumko ukugcina kunye nokutyala imali encinci ngexesha elinye. Ngale ndlela, awubeki wonke loo mzamo ukuze ufike ku-zero. Njengoko uhlawula ityala lakho, nawe unayo imali oyibekayo ekhulayo. Ngamanye amazwi, unenzala esebenzela wena, hayi nje ngokuchasene nawe ngetyala lakho.
Kodwa ukugcina akufuneki kube nzima. Kulula nje ngokuba negalelo nakwesiphi na isicwangciso esixhaswe ngumqeshi njenge 401 (k) kunye nokuthatha inzuzo kuyo nayiphi na inkqubo yomdlalo womqeshi. (Leyo yimali yamahhala, ngakumbi ukuba banomdlalo we-100 weepesenti! UBarrett uthi.) Awunakho ukufikelela kwi-401 (k) ngomqeshi wakho? Thetha nebhanki yakho malunga nokuvula i-IRA. (Ngo-2020 kunye no-2021, igalelo lonyaka elikhulu ngoku yi-6,000 yeedola okanye i-7,000 yeedola ukuba uneminyaka engama-50 okanye ngaphezulu.)
Unako kwakhona ukubeka phambili ukwakha ugcino lwakho olungxamisekileyo kunye nokutyala imali kancinci, kakhulu. Ukuhlawula ityala elibizayo-kufuneka kube yinto ephambili, kodwa kukho ixabiso lokufumana umkhwa wokulondoloza rhoqo kunye nokutyala imali yakho yokuhlawula kwakhona. Nokuba unokubekela bucala i-25 yeedola ngenyanga ukonga, yinto. Njengoko ityala lihlawulwe, unokwandisa imali oyigcinayo kunye nokutyalomali, okukunika isiqalo sokwenyani sokwakha inetha yakho xa ityala lakho liphelile.
Ulibeka njani phambili iTyala vs. Ukugcina kuNyaka wePandemic
Ubhubhane ukhumbuze wonke umntu ngokubaluleka kokonga, ngakumbi xa ikamva lingalindelekanga. Sihambile ukusuka kuqoqosho olukhulayo ukuya ekuwohlokeni okumangalisayo kwisithuba esingaphantsi kwenyanga, utshilo uBarrett. La mava agxininisa kuthi konke ukubaluleka kokuba nomqamelo ukuze ufikelele kuloo maxesha aphantsi.
Ewe kunjalo, indlela yakho yokuhlawula amatyala okanye wonge ngexesha le-COVID-19 yehla kwindlela okuchaphazele ngayo wena buqu kulo nyaka. Ukuba uphulukene nomsebenzi okanye ubone umvuzo wakho wehla kwaye uyasokola ukuhlawulela amatyala akho, ngumbandela wokuqinisekisa ukuba awusileli ngasemva ekuhlawuleni amatyala akho njengoko ujonge ukubuyisela ukulahleka kwakho. ingeniso, uBarrett uyachaza.
Ngamanye amazwi, ufuna ukwenza oko unako ukuqhubeka nokwenza loo ntlawulo incinci kwityala eliphezulu lenzala ngenyanga. Ukuba awukwazi, ukubheja kwakho kukufikelela ngokuthe ngqo kumniki-tyala kwaye uchaze imeko yakho kunye nenjongo yakho yokuhlawula ityala. Usenokukwazi ukuthethathethana ngezinga lenzala elisezantsi, xa kujongwa iimeko ezithethelela kakhulu kulo nyaka, kunye nomdlalo wentlawulo ukuze uhlale usendleleni kwaye uphephe nawuphi na umonakalo wexesha elide kwityala lakho, utsho uBarrett.
