Funda Ngomdla

Ngenkcazo yayo ecacileyo, inzala yintlawulo ekutshintsheni ukusetyenziswa kwemali ngexesha elide. Unokufumana inzala ngokuboleka imali yakho kwibhanki. Ngapha koko, ukhokhe umdla xa uboleka imali ebhankini. Ireyithi yentlawulo ingaba ngumlinganiselo osisigxina okanye umlinganiselo ochaziweyo kwixesha lokuphila lomboleko okanye idiphozi.

Imizekelo emibini yeNzala efunyenweyo kunye neNzala enomdla

• Xa uvula i- akhawunti yokulondoloza ebhankini, ibhanki ikuhlawula ukuba ugcine imali yakho kwidibansi yayo. Inzala yintlawulo oyifumayo ebhankini.

• Xa uthabatha imali yokuthenga indlu , uhlawula inzala kwibhanki ekusebenziseni imali ebolekelwe ukuthengwa kwekhaya lakho.

Iintlobo ezimbini zoNomdla

Kukho iindlela ezimbini apho kubalwa umdla:

• Inzala elula yipesenti esekelwe kwimali oyibekayo. Ngokomzekelo, ukuba ubeka i-$ 100 kwipesenti ezi-2 ezihlawulwa rhoqo ngonyaka, ufumana i-$ 2 kabini ngonyaka ukwenzela ukuba i-$ 4 yomdla ngamnye unyaka ngamnye.
• Inzala enomdla inomdla ngakumbi. Ibhanki iqala ngokuhlawula i-$ 2 isekelwe kwi-100 eyi-100 oyifakileyo, nangona kunjalo, ukuhlawula kwakho okulandelayo kusekelwe kwisixa esipheleleyo oqolileyo, i-$ 102. Oku kungabonakali njengenyuka enkulu, kodwa, ngokuhamba kwexesha, inzala yenzalo yindlela elula kwaye efanelekileyo yokuba wenze imali kwimali yakho.

Fundisa Abantwana Bakho Amandla Amandla Okumangalisa

Bambalwa abantwana abanomdla ngokubanjelwa ngamabhanki kunye nokonga. Nangona kunjalo, izibalo ezilula kunye negunya lomdla wekhampani zingabamba umdla.

Ukuba ufuna ukufundisa umntwana wakho ngokukhawuleza ukuba banokuphinda kabini imali yabo ngaphandle kokuphakamisa umunwe, babale ukuba baphendule (nangaphandle okanye uncedo lwakho) usebenzisa isixhobo esibizwa ngokuthi "Amandla angama-72."

1. Fumana izinga apho inzala ithola khona. Masithi iipesenti ezi-6.
2. Uhlula i-72 ngelo nani (72/6 = 12) kwaye uya kubona ukuba kuya kuthatha iminyaka engama-12 ukuba umntwana wakho abuye kabini imali.

1. Qalisa umsebenzi ngokukhetha isixa sokumisa. Phakathi komhla wokuzalwa, imali yokufumana imali kunye neminye imithombo masithi wakho oneminyaka eyi-10 ubudala unama $ 3,000.
2. Emva kokuba ukwandise i-3 X 2, kwiminyaka eyi-12, ngaphandle kokukwenza into, umntwana wakho uya kuphinda aphindise kabili imali yawo kwaye uye wafumana iqela elincinci elincinci lama-6,000 ngama-22 ubudala.

Icala elijongene nomdla ngenxa yemali ebolekelwe

Ngoxa umntanakho ngokuqinisekileyo uya kuvuya xa eva ukuba unokukwazi ukufumana umdla, kulula ukuva malunga nemiphumo emibi yenzalo abaya kubakhokhelwa njengabantu abadala ngemali eboleweyo. Abayi kuba netyala kuphela (ngokuthenga okukhulu njengemoto kunye nezindlu) kodwa baya kuba netyala elikhulu kakhulu xa bengayikhokheli ityala lekharityhulam nganye ngenyanga.

Ngoku ukuba umntwana wakho uyayiqonda imilinganiselo yenzalo abanokuyilindela ukuyifumana (engaphantsi kwama-5 ekhulwini ukusuka kwibhankini), unokuba ufuna ukuchaza ukuba iirhafu zomdla abanokuzihlawulisa zinokuphakama ngaphezu kweepesenti ezingama-20 (kwezinye iikhadi zamatyala , kuxhomekeke kumlinganiselo wesikweletu kunye nezinye izinto).

Kule ngongoma, unokufuna ukunikela ngeengcebiso ezilandelayo zokugcina amanani entlalo aphantsi:

• Sebenzisa amakhadi esikwereti ngokukhawuleza, kwaye uhlawule izilinganisi nganye ngenyanga
• Jonga ngeenxa yokubolekwa kwemali ephantsi kunye nezimali

• Gwema "izinto ezintle ukuba unyaniseke", zivame ukupapashwa kwi-intanethi kunye nefowuni
• Qinisekisa ukuba nabani na oboleke kuyo, okanye obolekwayo, uyathandwa.