Yintoni Ingxelo Yemali Yomntu?
Isitatimende sezemali sisigxina esibonisa iimpahla zakho kunye namatyala kunye nempahla yakho yomnatha.
Ukulingana apha kukuba iAssets minus Iimfanelo ezilinganayo . Ukuba utshatile, isitatimende sezimali somntu siqu sinokudibanisa iimpahla zakho kunye neqabane lakho.
Iimpahla zakho ubunini bakho bezinto ezifana nekhaya okanye imoto okanye utyalo-mali.
Iimfanelo zakho ziyimali oyimfuneko kwabanye. Ngokomzekelo, unakho ukubolekwa ngemali kwikhaya lakho okanye kwimoto, okanye unokufumana imali kumakhadi-mboleko.
Lakho ubungakanani benethi Ukwahlukana phakathi kweempahla zakho kunye namatyala akho. Ngokomzekelo, ukuba unendlu kunye neenqwelo-mali ngexabiso leedola ezili-100,000, kwaye unemali-mboleko yemoto kunye neentengo zemoto ngemali engama-75,000, imali yakho eyi-$ 25,000. Ukuxabiseka komntu ngamnye kufana nokulingana nomnini kwishishini.
Okokuthi, ummehluko phakathi kwexabiso lempahla kunye namatyala; isixa soshishino elinomnikazi. Kwishishini, eli xwebhu libizwa ngokuba yi- balance sheet .
Qaphela ukuba ukuqashisa akubonakali kwisitatimende sezimali somntu siqu, kuba akukho bunini.
Ukuqeshisa indlu okanye ukuqeshisa imoto kudala indleko yenyanga, kodwa awunabo ezi zinto, ngoko abafaki ukubandakanya kule nkcazo.
Yintoni Ingxelo Yemali Yomntu Ebonakalayo?
Ifomathi yesitatimende sezemali siyimfuneko. Ibonisa izinto kwizinto ezikhohlo kunye namatyala ngakwesokudla.
Intlawulo ekhoyo ibonakaliswe ngakwesokudla, ukulinganisela ukulingana.
Ndifuna nini iNgxelo yezeMali?
Ukuba ubeka isicwangciso seshishini okanye isicelo somboleko kweshishini-mboleko, mhlawumbi baya kucela ingxelo yezemali. Kwiimeko ezininzi, unokucelwa ukuba unikeze isiqinisekiso sakho somntu wemali-mboleko, okanye unokuba uthethe ezinye zeempahla zakho ukuze uqinisekise umboleko. Ngamanye amaxesha oku kubizwa ngokuba yimboleko.
Isitatimende sezemali siya kufunwa ukuze umnini-mboleko angakubona ukuba unempahla eyaneleyo kunye naluphi uhlobo lwezinto onayo. Umzekelo, ukuba uthembisa utyalo-mali (njenge-IRA okanye i-401k), ibhanki iya kufuneka ikwazi inani lemali-mali kwaye apho igcinwa khona.
Ndingayilungiselela njani ingxelo yeNgxelo yeMali?
Ukuqala, qalisa ukuqokelela ulwazi malunga neempahla kunye namatyala. Isitatimende sezemali sikhombisa iimpahla kunye namatyala kunye nexabiso elifanelekileyo kwinqanaba elithile ngexesha, ngoko vele ulungiselele olu xwebhu ngolwazi olutshanje olunalo. Umboleki wakho uyaqonda ukuba ezinye zeenkcukacha zitshintsha njengoko uhamba malunga nokwenza imali yakho (ukwenza iintlawulo, umzekelo). Ixabiso lotyalo-mali liya kutshintshwa ngexesha.
Ukuba awuqinisekanga ngexabiso leempahla, yenza konke okusemandleni akho ukuba uthole umfanekiso ontle. Ukuba umboleki ufuna ukusebenzisa i-asethi yesigunyaziso kwimboleko yakho yebhankini, baya kwenza uvavanyo.
Njengengxenye yokulungiselela kwakho ukubonisa isicwangciso sakho sezo shishino, kufuneka usebenze ingxelo epheleleyo yesikweletu kuwe, kuba umboleki uya kwenza oku. Oku kuthetha ukufumana nje umlinganiselo weFICO, kodwa ingxelo ebonisa iinkcukacha.
Ezinye iinkcukacha malunga nalezi zixhobo kunye namatyala: Yintoni ongayifaka kunye noko ungayifaki.
- Imali kwi-akhawunti yokujonga okanye yokulondoloza. Ukulinganisela kwangoku kwangoko kulungile, kuba la manani ahlala eguqukayo.
- IRA, 401k, okanye enye i- akhawunti yomhlalaphantsi .
- Ezinye ii-akhawunti zee-brokerage , ezibonisa ibhalansi yakutshanje.
- Ikopi yesitatimende sakutshanje kwi-home mortgage yakho, kunye ne-balance balance. Ukuthenga imali, unokufuna kwakhona uphononongo lwangoku.
- Ikopi yesitatimende sakutshanje kwimali mboleko yakho yemoto, mboleko yesikebhe, nezinye iimali-mboleko.
- Ungafaki ifenitshala kunye nempahla yasemakhaya njengepropati yakho. Le nto ayinayo inzuzo kumboleki-mali kuba ayinakuthengiswa ukuhlawula imali.
- Ungabandakanya izinto ezikhethekileyo zepropati yomntu ukuba zinenani elixabisekileyo kwaye unokuqinisekisa ubungakanani kunye novavanyo. Umzekelo, kuquka i-antiques okanye iigrafti zifanelekile.
- Faka i- matyala kwikhadi lekhredithi ngamatyala . Enyanisweni, zibandakanya nawaphi na amatyala angabonakalisa kwingxelo yekhredithi.
- Faka phakathi nawaphi na amatyala odibeneyo kunye nomnye umntu (obizwa ngokuba ngumthwalo "onoxanduva." Ngokomzekelo, ukuba ungumphatyi-ntanethi ngemboleko nomntu, qiniseka ukuba uyifake kwingxelo.
- Ukuba unetyala lemali kwisigwebo samabango amancinci okanye enye i- lien okanye isigwebo, ziquka ezi; zikarhulumente iingxelo. Umboleki-mali angabheka iirekhodi zenkundla ukuze abone ukuba unamaphepha atyala.
- Ukuba unemali yentlawulo engakhokhelwa kwiminyaka edlulileyo, le mali kufuneka ifakwe. Ezi ntlawulo ziquka iirhafu zorhulumente kunye neyiphi irhafu yentlawulo yezorhwebo , apho wena uxanduva lwakho.
- Umboleki angafuna ukwazi imithombo yakho yengeniso (bona ifomu le-SBA elingezantsi). Ingcinga efanelekileyo yokuluhlu olu lwazi, kwaye ukwazi ukubonisa ingeniso kwi-akhawunti yakho yokukhangela okanye i- akhawunti yokukhangela i-akhawunti .
I-Small Business Administration (SBA) ineesampuli yenkcazo yemali yakho ongayisebenzisa. Le fomu izakunceda uqinisekise ukuba awuzange uphoswe nantoni na
Xa ungenise yonke ingcaciso kwizinto eziphathekayo kunye namatyala, into yokugqibela uyenzayo kukubala inani lakho. Ukuba unelungelo elibi (unetyala elingaphezu kwakho), makube njalo. Ungazami ukutshintsha uxwebhu ngokuphelisa amatyala okanye ukulinganisela ngaphezulu kweempahla. Vumela ukuba kube oko.
Yintoni ebaluleke kakhulu ukukhumbuza malunga neNgxelo yezeMali?
Le nkcazo ngumqulu jikelele o dwelisa izinto onawo kunye nezinto ozozihlawulisa, kodwa umboleki uya kufuna kwakhona imibhalo yobunini kunye namatyala. Ngokomzekelo, ukuba unayo indlu yokuboleka imali, umboleki-mali angafuna ukuvavanya ekhaya kunye nenkcazo ebonisa ibhalansi esasikweleta kwi-mortgage.
Ukuba ucinga ukuba kuya kufuneka ulungiselele isitatimende sezemali, qiniseka ukuba unayo iirekhodi ezixhasayo ezilungele ukwabelana nomboleki. Oku kuya kwenza ukuba inkqubo yomboleko ilula kwaye ikhawuleze.
Ekugqibeleni, qiniseka ukuba uthembekile, uzalisekile kwaye uchanile xa ulungiselela nokubonisa ingxelo yakho yemali. Ukuba ubheka uxwebhu lwe-SBA lwengxelo yezemali, uya kubona ukuba "Ukwenza ngokuchanekileyo isitatimende esibuxoki kule fomu kuphulwa komthetho wase-Federal ..." kwaye ukuthetha ngamanga ukuba imeko yakho yemali ebhanki inokuba yingozi nje.