Iimpendulo Zemibuzo Ejongene Nohlahlo-mali
I-primer apha ngezantsi iphendula imibuzo eqhelekileyo malunga nendlela yokugcina uhlahlo lwabiwo-mali lwakho kunye nehlabathi lenene.
Ndibe njani uhlahlo lwabiwo-mali lwexesha elilodwa?
Ayikho yonke ibhajethi ewela ngokufanelekileyo "kwiindleko zenyanga" zakho.
Uzakufuna uhlahlo lwabiwo-mali ngezihlandlo ezithile okanye ngezikhathi zonyaka. Ezi ziquka izinto ezifana neeeholide, iintsuku zokuzalwa, iintsuku zokubakho kunye neendleko zonyango kubandakanywa kunye nogqirha kunye nodokotela wonyaka.
Ndingayilandela Njani Iinjongo Zami Zisindisi?
Ngokusekelwe kwiminyaka yobudala kunye nendlela yokuphila, abantu basindisa kuzo zonke iintlobo zezizathu. Unokuba ubeka imali ngaphandle komhlalaphantsi, ukuhlawula irhafu yakho yonyaka, ukuba uhambo oluya phesheya kwelinye ilizwe, ukulungiswa kwezindlu ezinkulu, iifowuni zekholeji yabantwana bakho, okanye ngenxa yokuba ufuna ukugqithisa kwisiqwenga esikhulu setiketi. Naluphi na umfuno wakho okanye umnqweno, kubalulekile ukulandelela inkqubela yakho kuzo zonke iinjongo zakho.
Ingaba ixabise nayiphi na into yokwenza uhlahlo lwabiwo-mali?
Kukho ama-spreadsheet amaninzi, iinkqubo zesofthiwe kunye nezixhobo ezikhoyo namhlanje eziklanyelwe ukunceda abantu abanezimali zabo. Ngelixa ezinye zezixhobo zibiza i-$ 95, inxalenye enkulu, zikhululekile.
Ndingafuna Kangakanani Ukuthatha umhlalaphantsi?
Uqoqosho lubuqili kwaye luya kulawulwa yimibandela engalindelekanga (umzekelo, akukho mntu ulindelwe ukuphazamiseka kwe - '08) ngoko kudla kunzima ukufumanisa ukuba ingaba yimali engakanani yokubeka umhlalaphantsi.
Eli nqaku linokukunceda ukuba ulinganise. Okwangoku, gcinani engqondweni le mibini imigaqo yesithupha - i- Multiply by 25 rule and 4 percent rule- xa uceba ukuhlala umhlalaphantsi.
Yiyiphi iNgxowa-mali eNgxamisekileyo?
Ukusuka kumagazini we-AAR ukuya kwiincwadi zokulawulwa kwemali kunye newebhsayithi, igama elithi "ingxowa-mali engxamisekileyo" iphonswa ngeenxa zonke njengezambane ezitshisa.
Ingxowa-mali yongxamiseko yenye yeembombo zekhonkco zemali kwaye inganika uxolo olukhulu kwengqondo. Akukho mntu, kungakhathaliseki ukuba usemncinci okanye umdala, akufanele abe nanye ngenxa yokuba ingxowa-mali (ngegama layo) liyimfuneko engalindelekanga kunye nangoko.
Ziziphi izinto ezibalulekileyo ezifunekayo ukuba kufuneka iBhajethi?
Ukuba uzive ukhululekile ngenani lezinto ofuna ukuzisindisa-umtshato, isiqabetho esitsha, indlu-ke uthathe umoya ophefumlelweyo kwaye ugxininise kwizinto ezimbalwa eziphambili. Uhlahlo lwabiwo-mali, xa lwenziwa ngokuchanekileyo, alukho malunga nokuphendula yonke into encinci. Kudala isicwangciso esilungileyo kuwe.
Ndingayifumana njani Imali Engaphezulu?
Ukuba, kunye nokunamathela kuyo, uhlahlo lwabiwo-mali alusebenzi (kwaye uya ku futshane) kunamathuba angeniso lokufumana abasebenzi bexesha elipheleleyo basebenza iiyure ezingama-40 ngeveki. Ukuba uzimisele ukusebenza ngeeveki kunye neveki-mali imali eyongezelelweyo iya kukusondeza ekuhlangabezaneni neenjongo zakho zohlahlo lwabiwo-mali.