Usenokuzibuza ukuba kutheni kukho uxinzelelo oluninzi lokugcina imali . Ukuba unayo ngokwaneleyo ukuhlawula yonke into oyifunayo, kutheni ufanele ukhathazeke ngokubeka nayiphi na inyanga inyanga ? Kukho iintlobo ezahlukahlukeneyo zokuqala ukugcina imali . Abantu abahlukeneyo basindisa ngezizathu ezahlukeneyo. Yenza ukugcina lula xa unenjongo ecacileyo okanye injongo yemali oyilondolozayo. Nazi izizathu ezisixhenxe zokuba ungacinga ukugcina imali yakho.
01 Londoloza iiNgxowa-mali eziPhezulu
02 Londoloza umhlalaphantsi
Esinye isizathu esibalulekileyo sokugcina imali ngumhlalaphantsi wakho. Ngokukhawuleza uqala ukugcina umhlalaphantsi, ngaphantsi kuya kufuneka ugcine kwixesha elizayo. Unokubeka imali yakho ukusebenzela. Njengoko uqhubeka nokufaka isandla ngexesha elizayo uza kuba nomdla omkhulu kwimali onayo, uze uyibeke kwinyanga nganye. Kufuneka ubuncinci ube negalelo kumdlalo womqeshi kwaye ekugqibeleni, uya kufuna ukufaka isandla kwishumi kwi-15 kwipesenti yengeniso yakho yonke. Unokufaka isandla kwi-401 yakho (k) kunye ne-IRA.
03 Gcina ukuhlawula okuphantsi kweNdlu
Isizathu sesithathu sokugcina imali yintlawulo ephantsi kwindlu. Amandla akho okuxoxisana ahamba ngokugqithiseleyo xa unentlawulo ephantsi kwekhaya lakho. Uya kufumana inzala engcono, kwaye uyakwazi ukufumana indlu enkulu. Unokwazi ukuba ungalondoloza phi na kule nyanga nganye kuxhomekeke kwiimeko zakho. Ukuhlawula inkokhelo kukunceda uhambe kwindawo engcono kwaye wenze kube lula ukuthenga ikhaya lakho iphupha. Iyakwenza ukuba iintlawulo zakho zifikeleleke.
04 Gcina iiholide kunye nezinye izinto eziphambili
Isizathu sesine sokugcina imali kukuzonwabisa. Ungalondoloza ukhenketho lweYurophu okanye i-Caribbean. Ukongezelela, unako ukusindisa izinto ezikhethiweyo zeethikithi ezinkulu ezifana ne-PlayStation 4 okanye isikebhe esitsha. Amandla akho okuxoxisana aqina ngakumbi ukuba unayo imali ekuthengeni izinto ezinkulu. Kananjalo awufuni ukuhlawula uhambo lwakho ukuya eYurophu kwiminyaka emihlanu. Nangona ugcina ikhefu lakho, kufuneka uzame ukusindisa kwiindleko zakho zeeholide . Oku kusindisa izinto ezinonwabo, kwaye ngokuqhelekileyo kulula ukuba uzikhuthaze ukugcina ngale ndlela.
05 Gcina i-Car entsha
Isizathu sesihlanu ukuthenga imoto ngemali. Uya kumangaliswa ukuba uninzi lwemali onokuyikhulula ngayo kwisabelo-mali sakho ukuba awuhlali uhlawula imoto. Unokuthi uxoxisane nexabiso lemoto elingaphantsi xa uzimisele ukuhlawula imali kumthengisi. Ukuphila ngaphandle kwentlawulo yemoto kungenza umehluko omkhulu kwibhajethi yakho yenyanga. Ungagcina imali eninzi kwezinye iinjongo zakho xa uqala ukuhlawula imoto yakho ngemali.
06 Londoloza iiSinking Fund
Isizathu sesithandathu kukusekela imali yakho yokucoca . Ingxowa yokucoca yinkcitho ozibekela bucala ukulungiswa kwexesha elizayo okanye ukuphucula kwimoto yakho, ikhaya okanye ezinye izinto. Olu cwangciso lunokukunceda ukuba uyeke ukungena kwi-fund yakho engxamisekileyo rhoqo xa ufuna ukulungisa imoto yakho. Unokubeka imali yakho yokucoca ngokubhekiselele kwiindleko ezilindelekileyo zezinto ezifana nekhonsithi yekhishini okanye umyinge weendleko ezingalindelekanga ezifana nokulungiswa kwemoto.
07 yakho Imfundo
Isizathu sesisixhenxe sokuqala ukugcina imali yimiba yakho yexesha elizayo. Unyaka ngamnye abantu abaninzi babuyela esikolweni ukuze bafumane i-master or degrees degree. Ungaqwalasela nokugcina imali kwimfundo yengane yakho xa ixesha lifika. Ukuba uyasindisa imfundo yomntwana wakho, kufuneka ukhangele ekusebenziseni icebo le-529. Kukho iindlela ezahlukeneyo ezifumanekayo ngokusekelwe kwimeko ohlala kuzo. Ukuba unomdla wokubuyela esikolweni, kufuneka ucinge ngokugcina imali engaphezulu kweyesifundo kuphela. Ukuba uya kubuyela ixesha elipheleleyo, ungaphinda ufune ukugcina ukugcina iindleko zakho zokuhlala.