Iindlela ezi-7 ezilula zokugcina imali

Kubalulekile ukufumana iindlela ezintsha zokugcina imali rhoqo. Ukuba ukwenza ugcino inxalenye ebomini yobomi bakho bemihla ngemihla , uya kuzifumana kwindawo engcono ngakumbi emva koko ebomini. Uyakwazi ukuhlala phantsi ngokukhawuleza, uthenge ikhaya elitsha xa ulungele, kwaye ujongane nayiphi na imeko engxamisekileyo ezayo. Ukuba unokwenza imali yokugcina umkhwa , kulula kakhulu ukwenza okokuqala. Nazi iindlela ezisixhenxe ezilula zokugcina.

  • 01 Ukwandisa Ukulondolozwa Ngokuthatha Inzuzo Yomrhumo Wokuxhatshaza Umqeshi Wakho

    Usebenzise umdlalo womqeshi wakho kwi-401K yakho. Le yimali onokuyenza ngaphandle komsebenzi owongezelelweyo kwinqanaba lakho. Uninzi lwabaqeshi lilingana malunga neepesenti ezintathu, nangona ezininzi ziya kuphakama. Ukuze usebenzise inxaxheba kulo mdlalo, kufuneka ubhalisele ukufaka ipesenteji yengeniso yakho ukuya kumhlalaphantsi ngenyanga.
  • 02 Ukwandisa Ukonga ngokubeka i-Automatic Transfer

    Ukuba ukudlulisela imali kwi-akhawunti yakho yokulondoloza yingxaki, ngoko kufuneka uqikelele ukuba uyi-auto-eyabhalwa kwi-akhawunti yakho inyanga nganye. Unokutyelela ibhanki yakho ukuselela ukutshintshwa kweenyanga ngokuzenzekelayo. Iibhanki ezininzi zikuvumela ukuba wenze oku ku-Intanethi ngokunjalo.

  • 03 Ukwandisa ukuGcina ngokuThatha inzuzo yeDisposithi ngqo

    Unokucinga ukuba unesabelo se-akhawunti yakho yokulondoloza echazwe kwi-akhawunti yakho yokulondoloza, ngokunjalo. Ukuba umqeshi wakho uyakuvumela le ndlela, yisebenzise. Ukuba awunakuze ubone imali, awuyi kuphinda uyiphuthe okanye ungene kwi-akhawunti yakho yokulondoloza. Le ngenye yeendlela ezilula kakhulu ongagcina ngazo.

  • 04 Ukwandisa ukuGcina ngokuSebenzisa iAkhawunti yokuThengisa i-Intanethi

    Ukuba unenkathazo yokushiya imali kwi-akhawunti yakho yokulondoloza, cinga ukusebenzisa i- akhawunti yokulondoloza enikwe ibhanki kwi - intanethi njenge-ING. Oku kuya kunciphisa izinga lokutshintshwa, kwaye kukunceda ukuba uhlahlole ngokubanzi ngokucokisekileyo. Ukongezelela, inzala yenzalo iphezulu. Le ndlela yindlela ekhuselekileyo yokukhusela ukugcinwa kwakho ukuze ungaqhubeki ukudibanisa kuwo.

  • 05 Ukwandisa ukugcina nge-"Keep Keep Change Change Programme"

    Unokuqwalasela ukusetyenziswa kweprogram yeBhanki yaseMelika ye- Keep Keep Change okanye into efana neebhanki yakho. Oku akufanele kube yindlela yakho yokugcina kuphela kuba awuyi kusindisa imali ephezulu yamadola, kodwa ingongeza ukonga okuncane. Kubalulekile ukuqaphela ukuba yonke into encinane ibalwa. Khangela ezinye iindleko zokubangela ukuba ibhanki lakho linikeze.

  • 06 Ukwandisa ukusindiswa ngokuKhutshwa kweMali Yakho

    Unokukhetha kwakhona into enye yokunethezeka ukuyeka okanye ukunciphisa kwaye uyibeke kuloo bhanki. Le nto ingaba yinto encinci yekitikiti eyongeza ngokukhawuleza-cinga ihambo nganye yekhofi. Okanye ingaba yindleko ephezulu kakhulu njengento yokuhlamba iiveki. Ukuba unqamle okanye ushiye ngokupheleleyo uya kufumana ukugcinwa kwongezwa. Unokufuna ukuqwalasela ukusika omnye wabagadi beebhajethi ukuze uncede ukwandisa imali oyilondolozayo.

  • 07 Ukwandisa imali yokuSindisa ngokuYala uBill wakho wokutya

    Ukutya kuyimfuneko kwaye abantu abaninzi bacinga ukuba abanakusindisa kwakhona ukutya okanye ukutya xa befuna ukugcina imali. Kukho amanyathelo onokuthatha njengokucwangcisa imenyu, ukutshintsha izitolo zokutya, nokupheka ekhaya. Okungakumbi ongayigcina, ngakumbi uya kufuneka ufake isicelo kwiinjongo zakho. Kuphela nje ukupheka ngaphezulu kwekhaya kunokukunceda ufumane ukugcinwa okukhulu kwaye wenze kube lula ukugcina imali ngexesha elide.