Ama-Akhawunti Ahloliseneyo okanye ahlukeneyo?

Iingcebiso malunga nendlela yokuCwangcisa kunye nendlela yokuSebenza ngayo

Le mihla, ayinakunikezwa ukuba izibini ezitshatileyo ziya kudibanisa ii-akhawunti zazo zokujonga i-akhawunti enye. Iimali zihlala zilukhuni ngemitshato yangaphambili, inkxaso yezingane okanye i- alimony , imali-mboleko yomfundi, imali ekhoyo ekhoyo okanye ityala lekhadi lesikweletu , kunye neminye imiba enjengomlinganiselo wokuzimela nokuzimela kwemali.

Ngamanye amaxesha ukudibanisa yonke ingeniso kwi-akhawunti yokujonga idibeneyo inokudaka amanzi, idibanise ukudideka kunye neengxaki, kwaye kubangele uxhalaba kunye namandla okulwa.

Ngoko yintoni isibini esenzayo?

Ngaphambi kokuba ubophe iqhina, xela malunga nendlela oya kuxubusha ngayo imali yakho. Ukubonisa ngokucacileyo izimvo zakho uze uxoxe ngeendlela ezikhethiweyo:

I-Akhawunti eyodwa

Enye inketho kukuba ngamnye abeka yonke imali yakho kwingeniso yokubheka enye. Ukuba nonke nihamba ngokukhululekile ngale ndlela, ngokuqinisekileyo yinto elula ngokweenqobo. Ukuba omnye wenu unetyala elikhulu okanye unobungozi obubi ekugcineni umkhondo wokuhlola kunye nee-ATM zokuhoxiswa, oku kungabi yindlela efanelekileyo kuwe.

I-One-Two Method ( I-Akhawunti ehlangeneyo kunye neeAkhawunti eziBahlukileyo)

Abaninzi abathandanayo namhlanje baqulunqa i-akhawunti yokujonga i-akhawunti xa begcina ii-akhawunti zabo zokujonga. Bahlawula nganye ixabiso elivunyelweneyo ngenyanga kwi-akhawunti yokutshekisha kunye kunye nokusebenzisa le akhawunti ukuhlawula iindleko zekhaya. Enye yeenzuzo ezinkulu kule ndlela kukuba umntu ngamnye ugcina ukuzimela kunye nokuzimela ngokwezimali, oku kunceda ukuphepha ukusetyenziswa kwemali njengamandla kumtshato.

Ukuba kusetyenziswe indlela enye, sebenzisa indlela yokwenza ukuba ngamnye uya kuba negalelo kwi-akhawunti yokutshekisha.

1. Hlela uhlahlo lwabiwo-mali, ukuze ukwazi ukuba iindleko zakho zenyanga zikwabelani kunye nokuthi kufuneka ufune kangakanani ukungena kwi-akhawunti yokutshekisha.
2. Ukuba bobabili ufumana umlinganiselo ofanayo, kunengqiqo ngamnye ukufaka ixabiso leedola elifanayo kwi-akhawunti edibeneyo. Ukuba omnye wenu ufumana ubuninzi ngaphezu komnye, kulungele ukufaka isandla kwipesenti. Ukuze uthole iinkcukacha malunga nendlela yokubala igalelo lakho ngokusekelwe kwipesenti, jonga umzekelo ekupheleni kweli nqaku.

1. Yenza i-akhawunti yokulondoloza ngokubhaliweyo ukuba ngamnye uncedise kwiinjongo zemali ezabelwana ngazo, ezifana nokulondoloza umhlalaphantsi, ukutshala imali, ukuthenga isithuthi esitsha, ukuthatha iholide, nokuhlawula iikholeji zakho zeekholeji.
2. Qhubeka uhlawula lakho ityala lekhadi lekhredithi elisele likhona, iimali-mboleko zabafundi kunye nezinye izibophelelo zezemali kwii-akhawunti zakho zokujonga.

Yiyiphi eyokukhetha?

Akukho zindlela ezilungileyo okanye ezingalunganga. Intukuthelo ngemali iyakwazi ukunyusa kwaye ekugqibeleni ityhatyathe ubudlelwane xa ingaqwalaselwanga ngendlela eyanelisa umlingane ngamnye, ngoko oko kulungile okukusebenzayo njengesiqabane. Ubuhlobo bakho besikhathi eside, bobabili kufuneka uzive kakuhle malunga nendlela imali esebenza ngayo ubudlelwane bakho.

Umzekelo: Ufumana i-$ 25,000 ngonyaka. Umlingani wakho ufumana i-$ 50,000 ngonyaka, i-75,000 yenzuzo engenayo. Misela igalelo ngokwenza oku kubalwa:

1. Yongeza ingeniso yakho yonyaka kwiholo lakho lomvuzo.
2. Hlukanisa umvuzo ophantsi ngemali ehlanganisiweyo yokufumana ipesenti yomlingane ophantsi. $ 25,000 / $ 75,000 = .33 okanye i-33 ekhulwini
3. Yandisa la maxesha eepesenti inani lemali oyi-dollar oyifunayo kwi-akhawunti edibeneyo rhoqo ngenyanga ukuhlawula iindleko zakho ezabelwana ngazo. Lo ngumrhumo wenyanga ophantsi ofumana umvuzo. .3 x $ 3,000 = $ 990.

1. Susa le mali kwixabiso lemali elifunekayo kwinyanga nganye. Ingumnikelo womlingane ophezulu ozuzayo. $ 3,000 - $ 990 = $ 2,010.