Abantu abaninzi bafaka imali ekulondolozeni inyanga nganye, kwaye abanye abantu baphela ekuhlaleni imali leyo ukufihla iindleko, okanye ukuchitha imali. Kuyakhathazeka ukubona ukuba ukugcina kwakho kungakhula, nokuba ucinga ukuba ubeka imali ngaphandle kwenyanga. Awusindisi ngokwenene ukuba ibhalansi ayikhuphuki inyanga nganye. Kufuneka ufumanise ukuba kutheni ukugcina kwakho kungakhula kwaye wenze oko unokukwazi ukukhusela imali sele ikhona kwi-akhawunti yakho. Nazi iindlela ezinhlanu ongakhusela ukugcina kwakho ukuze uqale ukubona umahluko kumfanekiso wakho wezezimali.
01 Gcina kwiBhajethi yakho
02 Misela iNgxowa-mali yeNgxamiseko
Izinto ezingalindelekanga zenzeke ngezikhathi kwaye unokuphelisa ngeendleko ongazicwangcanga ngazo ukulungiswa kwemoto emithandathu ezintandathu. Ingxowa-mali engxamisekileyo inokukunceda uhlawule ezo ndleko ngaphandle kokungena kwizinto ozigcinayo kwizinto ezifana nekhaya lakho okanye iholide yakho. Xa usebenzisa i-fund yakho engxamisekileyo, kufuneka uyizalise ngokufaka imali kwakhona kuyo kwiinyanga ezimbalwa ezizayo. Oku kunokuthetha ukunciphisa ukugcinwa kwakho, kodwa ubuncinane awukutsali imali kuyo.
03 Hambisa i-Savings yakho kwenye iBhanki
Xa unenkxalabo malunga nokurekhoda i-akhawunti yakho, kulula ukuthumela imali kwi-akhawunti yakho yokulondoloza kwi-akhawunti yakho yokukhangela ukuze uyikhuphe. Nangona kufuneka ube neengxowa-mali zexakeka ngokukhawuleza ukuba ufikeleleke njalo, unokuba ufuna ukuhambisa i-akhawunti yakho yokulondoloza kwelinye ibhankini apho kuya kuthatha umgudu omkhulu kunye nexesha elide lokuhambisa imali. Oku kunokukunqanda ukwenza ukuthenga okungafunekiyo kwaye uyazi ukuba unayo imali ekulondolozeni.
04 Yeka Ukusebenzisa Iikhadi Zakho Zemali
Ayenzi nantoni na ukubeka imali ekugcineni xa usebenzisa ikhadi lakho lekhredithi kwaye uphethe ibhalansi. Uhlawula ngaphezulu kwenzalo nganye ngenyanga uze ufumane inzala kwi-akhawunti yakho yokulondoloza. Ukuba ufuna ngokwenene ukukhusela imali yakho, kufuneka ucime nayiphi na ityala lekhadi lesikweletu. Yenza isicwangciso sokuphuma kwetyala namhlanje kwaye unqabe ukuphatha amakhadi akho ekwereta , ngoko awuyi kuzanywa ukuba uzisebenzise.
05 Yiba Nzulu Ngeendlela Ochitha Imali
Ukuba unzima ukufumana inyanga nganye kwaye ungena kwi-savings ngenxa yokuchitha imali, unokukhusela imali yakho yokugcina ngokubambelela kwimithetho yokusetyenziswa kwemigaqo. Kukho izicwangciso eziliqela ongazisebenzisayo kuquka ukutshintsha imali ngokuthenga kwakho, ukukhupha kunye nokuthenga izinto ozifunayo xa zithengiswa. Ukongezelela, unokusebenza ekunciphiseni iindleko zakho zenyanga ukukhulula imali eyengeziwe ukukhupha iindleko zakho zemihla. Xa usebenza ngokubanzi malunga nendlela osebenza ngayo ukugcina imali kwizinto ochithayo, uya kuphumelela xa ukhusela i-akhawunti yakho yokulondoloza.