I-Piece ebalulekileyo yeSiCwangciso seMali esithandwa ngumntu wonke
Ingxowa-mali yexakeka-mali yi-akhawunti eyenziwa ngokusetyenziswa kwemali kwiimeko eziphuthumayo, ezingenakucwangciswa kuphela. Injongo yokusetyenziswa kuphela kwiimeko ezimbi kakhulu.
Iimali ezingxamisekileyo zigcinwe kwii-akhawunti zokulondoloza okanye i-akhawunti yemarike yemali, nangona ingaba nayo ibanjwe ekuhloleni iakhawunti. Kubalulekile ukuba ubuncinane babanjwe kwi-akhawunti ye-liquid ukuze ifikelele ngokukhawuleza.
Ngubani ofuna omnye?
Uninzi lweengcali zivuma ukuba wonke umntu, kungakhathaliseki ukuba udidi lwezentlalo, ludinga i-fund yangxamisekileyo .
Amabhanki namanye amaziko emali ayibhalise i-akhawunti njengengxowa-mali. Loo nto ibizo kuphela ngaphakathi kwengqondo yomnini-mali.
Kufuneka Kukhulu Kangakanani?
Uninzi lweengcali zengxowa zincoma ukugcina ingxowa-mali yongxamiseko ekulu ngokwaneleyo ukukhupha iindleko zeenyanga ezintathu ukuya kwezi-6. Oku kuya kunceda ufikelele kwiinyanga ezimbalwa zokuqala zokulahleka komsebenzi, zithi.
Ezinye iingcali zezezimali zihamba phambili, zithi kufuneka ube neengxowa-mali ezikhawulezileyo ezihlanganisa iindleko zeenyanga ezili-6 ukuya kwezi-12. Oku kuya kunceda ukuba iziganeko ezimbi zenzeke ngexesha elifanayo, ezifana nokulahleka komsebenzi kunye nesibhanki esikhulu esibhedlele.
Kuthiwani Ukuba Ndikho Ematyaleni?
Iingcali zikwahlukana ngokufanayo malunga nenkulu yeengxowa-mali eziphuthumayo umntu kufuneka akhule ukuba ngaba okwangoku ityala lekhadi lesikweletu. Ezinye iingcali zithi umntu onomdla wekhadi lokuthenga ngetyala le-credit interest first should first save $ 1,000. Emva koko banokungqwalasela ngokupheleleyo ukuhlawula ityala labo eliphezulu-nzala, bese bakha intsalela yengxowa-mali yabo yexakeka emva kokuhlawulwa kwetyala labo.
Ezinye iingcali zikholelwa ukuba bonke abantu kufuneka babe neengxowa-mali zexakeka-mali ezimele ubuncinane kwiinyanga ezintathu zendleko, nokuba ngaba zetyala lekhadi lekhredithi eliphezulu. Ezi ngcali zichaza ukuba i-fund yexakeka ngokukhawuleza iya kufumaneka xa umntu efumana kwindawo ekhuni kunye nemigca yekhredithi ivalwe kubo.
(Njengengxelo yecala, ii-akhawunti zokulondoloza umhlala-phantsi ngokuqhelekileyo aziqwalaselwe njengemali yexakeka, nangona uvunyelwe ukurhoxisa inxaxheba ephambili. i-fund, u-oh-fund kunye ne-oops ye-fund.
Indlela yokusebenzisa iNgxowa-mali ye-Emergency
UJohn Doe ubeka imali ngaphandle kweengxowa-mali. 'Ulibala' ngale mali, engayinaki ukuhlala kwayo. Akaze acinge ukusebenzisa imali ukuhlawula iindleko eziqhelekileyo ezifana nezipho zeeholide, ukunakekelwa kwimihla okanye i-laptop entsha.
Kamva, iimeko eziphuthumayo zenzeke. Mhlawumbi ulahlekelwa ngumsebenzi wakhe, imoto yakhe ibanjwe, okanye uyaphule umlenze wakhe kunye ne-inshorensi yakhe ukwenqaba ukuyihlawula ibhilikhi.
Kwangaphantsi kweemeko, uJohn Doe wayeza kufuneka athathe ityala ukuba ahlawule le ngxamiseko, ngokuboleka kubahlobo okanye kwintsapho okanye ngokuthembela kwikhadi lakhe lesikweletu. Kodwa kunoko, uJohn usebenzisa i-fund yakhe yengxamiseko ukukhupha ibhili-mali, ukuphepha ukuhlawulwa kwetyala. Emva kokuba le nkathazo idlulile, injongo yokugcina imali kaJohane iyayakha kwakhona ukulinganisela kwingxowa-mali yexakeka.