Iifomula kunye nemizekelo yokubala inzala kwi-Savings

Izikhokelo zamaSpredishithi zamahhala kunye nemiyalelo kwi-DIY

Njengoko ukwakha imali yakho, kuyakunceda ukufunda indlela yokubala umdla. Ukwenza oko kukuvumela ukuba uceba iinjongo ezibalulekileyo kwaye uqonde inkqubela yakho ekujoliswe kuzo. Kulula ukubala inzala oyifumanayo, ngakumbi xa usebenzisa ama-spreadsheet akwi-free okanye i-calculators online.

Eli phepha liya kubhala indlela yokubala oku kulandelayo:

• Inzala elula
• Utyalo-mali omnye (omnye)
• Inomdla

• Ukuqhubeka (ngenyanga, umzekelo) utyalo-mali

Indlela yokubala Inzala oyifumanayo

Inzala yindleko yemali. Xa uboleka imali okanye ubeka imali kwi-akhawunti ethwele inzala, ufumana imali yakho kunye ncinane. Le mali esongezelelweyo inomdla, okanye umvuzo wakho wokuvumela umntu ukuba asebenzise imali yakho.

Xa wenza idiphozi kwi-akhawunti yokulondoloza okanye izatifikethi zediphozithi (iiCD) kwibhankini okanye umanyano wekhredithi, uboleka imali yakho kwibhanki. Ibhanki iya kuthatha imali kwaye ityalwe kwenye indawo, mhlawumbi iboleke imali kwabanye abathengi .

Ukubala inzala esuka kwi-akhawunti yokulondoloza, uya kufuna ezi zinto zilandelayo:

• Isixa sakho sediphozithi okanye isixa olibolekayo, usebenzisa i-variable "P" yenqununu.
• Xa inzala ibalwa kwaye ihlawulwa (ngonyaka, inyanga zonke, okanye imihla ngemihla, umzekelo), isebenzisa "n" kwinani lamaxesha ngonyaka.
• Inzala yemali , usebenzisa "i" kunye nereyithi kwifomati yedesimali .

• Kuza kube nini ufumana inzala , usebenzisa "t" kwixesha (okanye ixesha) kwiminyaka .

Umzekelo oyisisiseko: Cinga ukuba ubeka i-$ 100 ebhankini yakho, ufumana inzala ngonyaka, kwaye i-akhawunti ihlawula iipesenti ezingama-5. Unokubanani emva konyaka omnye?

Ukubala okubaluleke kakhulu, sebenzisa ifomula yenzalo elula ukujongana nenani lemali (I).

Sizakuqhubela phambili ukuhlanganisa umdla ongezantsi.

Ukusebenzisa ifomula yenzalo elula :

1. P x r x t = I
2. Ipesenti eziyi-100 x 5% x 1 ngonyaka = $ 5
3. $ 100 x .05 x 1 ngonyaka = $ 5

Oku kubalwa xa izinga lakho lomdla licaphulwa njengentengo yepesenti yonyaka (APY) . Uninzi lweebhanki lithengisa i-APY: Inombolo ibonakala engcono kunokuba "inzala yenzalo" kuba yinyani ephezulu, kwaye yinto elula kuba ithatha ukuba iqine ukusebenza. Nangona kunjalo, unokwazi kuphela umdla "umyinge" -engazi i-APY.

Kwimeko apho, kuya kufuneka wenze ukubala okuhlukile . Ukuba ibhanki yakho ibalwa inzala yenyanga kwaye idibanisa imali kwi-akhawunti yakho yenyanga, njengoko iibhanki ezininzi zenza, ukubalwa kwesithakazelo esilula akuchanekanga.

Bala IInzala

Ukuhlanganiswa kwenzeka xa ufumana inzala, kwaye ke ufumana inzala engakumbi kwinzuzo oyifumene ngaphambili.

Ukubala inzala yenkomfa kwi-akhawunti yokulondoloza, ifom yakho ifanele ithathe izinto ezimbini kwi-akhawunti:

1. Iintlawulo ezininzi zentshukumo yexesha elininzi kwi-akhawunti, endaweni yokuhlawula yonyaka. Umzekelo, ibhanki yakho inokuhlawula inzala yenyanga.
2. Ibhalansi ekhulayo yeakhawunti yokuba izibalo zenzalo ezalandelayo zisekelwe kulo

Ngomzekelo ofanayo apha ngentla, siza kusebenzisa ifom ye-interest compound ukubala inani lokuphela (A):

1. A = P ( 1 + r / n ) ^ nt
2. A = $ 100 x (1 + 0.05 / 12) ^ (12 x 1)
3. A = $ 100 x (1.004167) ^ (12)
4. A = $ 100 x 1.051
5. A = $ 105.117 (okanye i-$ 105.12 ukuba ibhanki yakho ijikeleze)

Ukuba bekuye ixesha elide ukusuka kwiklasi yeemathematika, i-caret (^) yinto yokubonisa ukucacisa, oku kuthetha ukuba inombolo iphakanyiswa ngamandla omnye. Ngokomzekelo, "x ^ 3" ithetha x cubed (okanye x iphakanyiswe kumandla wesithathu). Ukuba i-browser yakho ibonisa ukufometha ngokuchanekileyo, le yindlela enye yokuyibonisa: A = P (1 + r / n) ^nt .

Njengoko uya kuphawula, ukubalwa kwesibalo senzalo kuphakame ngaphezu kwe-$ 5 yomdla ofunyenweyo usebenzisa inzala elula. Iipesenti ezi-5 yenzalo yemithwalo kumzekelo wethu, kodwa i-APY ngokwenene i-5.12 yeepesenti. Nanini xa inzala ihlawulwa kaninzi ngaphezu konyaka, i-APY iphakamileyo kunomdla wonyaka "inqanaba." Kodwa i-APY ikuxelela ngokuthe ngqo ukuba uza kuzuza phi, ngaphandle kwemfuneko yokubala okungekho.

I-12 cents eyongezelelweyo ingabonakali ngathi ininzi. Iimpatho zifumana umxhwele ngakumbi ngexabiso elingu-dollar kunye namaxesha amaninzi aphetheyo.

Bala ngeSpredishithi

Iipredishithi ziyakwenza i-automate inkqubo yakho kwaye ikuvumele ukuba wenze utshintsho olukhawulezayo kwiziphumo zakho.

Ukubala inzala yakho inzala kunye nesipredishithi, siza kubalwa ukubalwa kwexabiso . I-Microsoft Excel kunye ne-Google AmaSpredishithi (phakathi kwabanye) sebenzisa ikhowudi "FV" yale fomyula.

Umzekelo kwi-Google AmaSpredishithi sele usuzalisiwe. Unokuyilanda le template kwaye utshintshe amanani kwiimfuno zakho.

Ukwenza ispredishithi sakho, qalisa ngokungena kwezi zilandelayo kwiseli ukuba ufumane imali yakho ngenzuzo usebenzisa inzala elula:

= FV (0.05,1,0,100)

Leyo fomula icela inzala, inani lexesha, ukuhlawulwa kwesikhashana (ukuba kukho), ixabiso elizayo (ngaphandle kokuba uqala nge-zero), kunye nenketho (engaboniswa apha) ekuqaleni okanye ekupheleni kwexesha.

Ibinzana elingentla lisebenzisa umzekelo wesithakazelo olula ukususela ekuqaleni. Ibonisa inzala elula (ingabonakali inzala) kuba kukho ixesha elilodwa lokuxuba.

Ukufumana ispredishithi esiphezulu, faka izinga, ixesha, kunye nenqununu kwiiseli ezahlukileyo. Emva koko unako ukubhekisela kulawo maseli ukusuka kwindlela yakho kwaye uyitshintshe kalula ukuba "ukuba-ntoni" ukubala.

Ukusebenzisa umdla , kufuneka ulungelelanise amanani amaninzi. Sitshintsha isantya sonyaka kwinqanaba leenyanga : ama-5 ekhulwini ahlukaniswe ngeenyanga ezili-12 iba ngu-0.004167. Kwakhona, guqula inani lamaxesha ukuya ku-12. Ukubala iminyaka engaphezu konyaka, usebenzise i-12 ngonyaka. Ngokomzekelo, iminyaka emine iza kuba ngamaxesha angama-48-kodwa kulula ukuyisebenzisa ispredishithi edibene nendawo engenhla.

Savings Oqhubekayo

Imizekelo engentla icinga ukuba wenze idizithi enye.

Utyalo-mali lwenyanga: Ukuba ubeka imali rhoqo kwi-akhawunti yakho ekupheleni kwenyanga nganye, endaweni yesigxina esisodwa se-deposit, kufuneka uguqule ukubala kwakho okanye ifom yephepha lespredishithi.

Ukuba ubungayifaka i-$ 100 ngenyanga ngenyanga ezayo emihlanu, ukususela kwi-zero, unokusebenzisa:

= FV (0.004167,60,100)

Qaphela ukuba usebenzisa inzala yenyanga, kwaye uhlalutya inani leexesha ukuya kwiinyanga ezingama-60.

Ukubala ngesandla, sebenzisa ixabiso elizayo lokubala lokuhlawula :

1. FV = Pmt x (((1 + r) ^ n) - 1) / r)
2. FV = 100 x (((1 + 0.004167) ^ 60) - 1) / 0.004167)
3. FV = 100 x (1.283 - 1) / 0.004167
4. FV = 100 x 68.0067
5. FV = 6800. 67

Impendulo yakho yokugqibela ingahlukahluka ngenxa yokujikeleza.