Yonke Into Okufuneka Uyiqonde Ngokwabiwo-mali
Uhlahlo lwabiwo-mali kwisiseko saso sonke isicwangciso-mali. Akunandaba nokuba uhlala ehlawula ukuhlawula okanye ukufumana amanqaku amathandathu ngonyaka, kufuneka ukwazi apho imali yakho ihamba khona ukuba ufuna ukuphatha imali yakho. Ngokungafani noko unokukholelwa, uhlahlo lwabiwo-mali alukho konke ngokukhawulelisa oko uchitha imali kunye nokusika yonke into ebonwa ngayo ebomini bakho. Ngaba ngokwenene malunga nokuqonda imali enayo, apho iya khona, kwaye ke ucwangcise indlela enokubelwa ngayo loo mali. Nantsi yonke into oyifunayo ukukunceda ukudala nokugcina uhlahlo lwabiwo-mali.
Ngaba uyazi ukuba kutheni ibhajethi ibaluleke kakhulu? Ekubeni kubonakala ngathi ukudala uhlahlo lwabiwo-mali luyisenzo esiyimali esichukumisayo, ngakumbi ukuba uziva ukuba imali yakho sele isele kakuhle. Kodwa unokumangaliswa ukuba luxabiseke njani uhlahlo lwabiwo-mali. Uhlahlo lwabiwo-mali olufanelekileyo lunokukunceda ukugcina imali yakho kwindlela kunye nokufumanisa iingxaki zemali ezifihliweyo ezifihlakeleyo ezinokuzikhulula imali eyongezelelweyo yokubeka ezinye iinjongo zemali. Icandelo elona lukhuni kakhulu lokudala uhlahlo lwabiwo-mali luhleli phantsi kwaye empeleni ludala enye. Kufana nokukhangela kwisiqulatho esingagcini sephepha xa ufuna ukubhala into kwaye isinyathelo sokuqala sibonakala sisithintelo esikhulu. Ungakhathazeki - ndiphule inkqubo yokudala ibhajethi ibe lula ukulandela amanyathelo. Uyakwazi ukuhlala phantsi uze wenze isabelomali esisisiseko kwiminithi embalwa nje. Emva kokuba uthathe ixesha lokudala uhlahlo lwabiwo-mali, ngoku yisikhathi sokuqinisekisa ukuba uyayilandela. Uhlahlo lwabiwo-mali lungafana nokuya kutya - uqala ngeenjongo ezilungileyo, kodwa emva kweveki ezimbalwa okanye iinyanga ezimbalwa usuka kwicebo lakho. Musa ukuvumela ukuba kwenzeke kuwe. Nazi iindlela ezimbalwa eziphambili eziza kuqinisekisa ukuphumelela uhlahlo lwabiwo-mali . Ukuba unenkinga yokuza nazo zonke iindidi zeendleko kwiibhajethi yakho, ndenze ishicilelo sephepha lesabelomali esinokukunceda ukuhlela yonke into. Eli phesheya linemali eqhelekileyo kwaye linokukunceda ukugcina yonke into ngendlela ehlelekile. Isizathu esibalulekileyo sokudala uhlahlo lwabiwo-mali kukukunceda ugcine iimali zakho phantsi kolawulo ngokugcina umkhondo wendlela ochitha ngayo kunye nalapho uya khona. Xa uqala ukulahleka kwibhajethi yakho ngokuqhelekileyo ngenxa yokuchitha imali eninzi kwindawo ethile. Kodwa ukuba unayo ibhajethi ekuxelela ngokuchanekileyo ukuba kufuneka uchithe, kuba kutheni kulula ukuchitha imali? Kukho izizathu ezibangela ukuba sithengise imali, ngoko xa uqonda oko kubangela ukuba ungaphaya kwemali, unokukunceda ukumisa kwaye ugcine uhlahlo lwabiwo-mali kwindlela. Iiplastiki zentshukumo ziye zaba lula ngokulula. Ngamakhadi a matyala kunye namakhadi e- debit, singakwazi ukungena kunye nokuthengwa kwimiba emibini. Ngelishwa, olu lukhulu luza ngeendleko. Ngokusebenzisa iplastiki sinokuqala ukulahlekelwa umkhondo wendlela imali echithwa ngayo. Ngokuqinisekileyo, ama-dollar amabini apha, ama-dollar angama-4 apho, akubonakali ngathi kuninzi ngexesha lokuthenga, kodwa ukuba awuqapheli, unokunyusa ngokutsha ukuhlawula ibhajethi yakho. Enye inkohliso ekuncedeni ukugcina imali yakho yansuku zonke phantsi kolawulo kukusebenzisa imali endaweni yekhredithi okanye amakhadi enkonzo . Kungenzeka kungekho ngokukhawuleza, kodwa kukunceda ubone ngolu hlobo nje imali oyenayo. Ngamanye amaxesha, ukukhumbula ukugcina kungabangela umzabalazo. Ukuzenzekelayo ukonga kwakho yindlela elula yokuhlala endleleni kunye nesicwangciso sakho sokulondoloza. Shedyulela ukutshintshwa ngokuzenzekelayo kwi-akhawunti yakho yokutshekisha kwindleko yakho yokwakha i- fund yakho yexakeka . Vula i-akhawunti yomhlalaphantsi kunye nokusekela ngokuzenzekelayo yonke imihla yokuhlawula ukudala iqanda lakho lesidleke. Ungasebenzisa ngemali ngokuzenzekelayo ukuxhasa i- akhawunti ye- 509 yokulondoloza ikholeji kwimfundo yomntwana wakho. Ukuzenzekelayo iifomethi kwiakhawunti eyahlukeneyo kuqinisekisa ukuba uyasindisa endaweni yokuchitha imali kunye nexesha elide, amandla enkqutyana inokunceda imali yakho ikhule ngokukhawuleza. Ukuba uza kusindisa imali, ukuba nenjongo ethile ekusebenzeni kuyo ingaba luncedo olukhulu ekugcineni kwakho ukukhawuleza. Cinga malunga nento ofuna ukuyifeza ngokusindisa, kokubili kwixesha elifutshane kunye nexesha elide. Umzekelo, unokufuna ukugcina imali yekhefu ezintandathu kwiinyanga ezizayo. Okanye, unokuba uceba ukuthenga ikhaya kunyaka ozayo kwaye kufuneka ugcine ukuhlawula . Cinga oko ungathanda ukufezekisa ngemali yakho, uze udibanise iinjongo zakho phantsi kwamanyathelo athile, asebenzayo. Beka umgca wokufikelela kwinjongo nganye kwaye ulandele inkqubela yakho ukuze uhlale ukhuthaze uhambo lwakho lokulondoloza. Ukugcina imali kuba nzima kumzabalazo xa unesisombululo esifanelekileyo. Uhlelo lokusebenza lohlahlo lwabiwo-mali njenge- Mint , umzekelo, lunokukunceda ukulawula uhlahlo lwabiwo-mali uze ulandele imali yakho ngokuzenzekelayo. Insiza ikuvumela ukuba uvumelanise zonke iibhanki zakho kunye ne-akhawunti yakho yekredithi kwindawo enye ukuze ukhangele indlela oqhuba kakuhle ngayo neenjongo zokulondoloza zakho. Ukukhetha indawo efanelekileyo yokugcina ukonga kwakho kubalulekile. I -akhawunti yokulondoloza inzala ephezulu , umzekelo, inokuba yinto efanelekileyo yokugxotha ingxowa-mali yakho. Ngokwe-nye icala, i-IRA okanye i- CD ye-IRA , zizithuthi ezinkulu zokubeka eceleni ixesha elide lomhlalaphantsi wakho.