Xa kuziwa kwiimali zomntu siqu, iimali zokucoca zinika indlela enkulu yokucwangcisa ikusasa lakho kwaye uqinisekise ukuba unokufikelela kwiinjongo ozibekela sona.
Xa Ndifanele Ndisebenzise Iingxowa Zokucoca?
Kukho izizathu ezahlukeneyo kunye nezindlela zokusebenzisa imali yakho yokucima. Ukuba unemali ehleliweyo okanye iindleko zonyaka, ungayifaka isikhwama sokucoca. Izinto ezifana neeholide lakho, ukulungiswa kwekhaya, kunye neerhafu zikwazi ukuzityela imali. Nangona ungayazi iindleko ezichanekileyo, unokumisela isikhwama sokutshiza. Ngokomzekelo, unokusekela isikhwama sokuhlamba ukuhlawula iindleko zonyango.
Xa ubeka imali yakho yokucwina , kuya kufuneka ugqibe isigqibo malunga nokuba ufuna kangakanani kwi-fund nganye. Emva koko uzahlula loo mali ngenani leenyanga ude uyenze ukuthenga. Ekugqibeleni ungeze ezi mali kwibhajethi yakho. Ukuba isikhwama sokudibanisa sinento efana nokulungiswa kwemoto okanye iindleko zonyango, unokufuna ukucacisa ukuba ungathanda ukufumana phi kwingxowa-mali.
Unokubeka eceleni imali uze ufikelele kuloo mali. ngoko unokumisa uze usebenzise imali kwingxowa-mali. Emva koko unako ukuzalisa imali njengoko kuyimfuneko
Ziziphi iindidi zeeAkhawunti okufanele ndizisebenzise ngeeNgxowa zokuNcwina kwam?
Kufuneka ugcine iimali zakho zokucoca kwi-akhawunti ngokufanelekileyo; I- akhawunti yemarike yemali yemarike ephakamileyo iya kuba yinto efanelekileyo.
I-akhawunti ixhomekeke kwinto leyo, ukuba usebenza kwiinjongo ezinkulu, unokukwazi ukufaka kwingxowa-mali engabonakaliyo kodwa ingaba isivuno esiphezulu. Nangona kunjalo, akufanele ubeke imali yakho yokucoca kwiitoksi okanye kwimarike. Ukuba ufuna ukufumana inzala ephezulu kwiimali zakho zokucima ukucinga ukuba uzibeke kwi-akhawunti yokulondoloza inthanethi enika inzala ephezulu ngaphezu kwebhanki yakho yasekhaya.
Unokukhetha ukuba ne-akhawunti eyahlukileyo yokugcina imali yakho yokucoca ngokuxhomekeke kwinto oyenzayo nge-fund ye-sinking kunye nendlela efunayo ngayo imali. Umzekelo, ukulungiswa kwemoto kunokwenzeka naliphi na ixesha kwaye imali imele ifumaneke ngokukhawuleza. Ukuhlawula kwekhaya lakho akudingeki ukuba ube njengolwelo, kuba uya kukwazi kwangaphambili xa uya kufuna iimali. Oku kunokukuvumela ukuba ufumane umlinganiselo ophezulu wokubuyisela kwimali oyilondolozayo.
Iingxowa zokucwina zihluke njani kwi-Savings?
Iimali zokucoca zihluke kwiakhawunti yakho yokulondoloza. Xa kuziwa ekulondolozeni, usebenza ukwakha ubutyebi . Njengoko ukwakha ukugcina kwakho, ekugqibeleni kuza kuqala ukukusebenzela. Le nto ayikho imali ofuna ukuyifaka. Nangona kunjalo nangesikhwama esilahlayo, uyasindisa ngenxa yeendleko zakho ezicwangcisiweyo.
Oku kuthetha ukuba ulondoloza ngenjongo yemali ethile. Lo ndolozo awunako ukwandisa umthamo wakho wonke, kodwa kukuvumela ukuba wenze izinto ofuna ukuzenza, njengokuthenga imoto entsha, ukuya kwiholide okanye ukuhlawula imali kwikhaya lakho.
Iingxowa zokucwina zihluke njani kwiiNkcazo zeNgxowa-mali?
Iimali zokucoca zenzelwe ngokukodwa iindleko ezicwangcisiweyo. Umzekelo, uya kuwusebenzisa ukuze ubeke uphahla lwakho, ukuba uyazi ukuba kuya kufuneka ubeke endaweni yalo kwiminyaka emihlanu. Enye iindleko ezicwangcisiweyo ikhefu. Enye indleko yiplanga entsha yeglasi, ukuba uyazi ukuba ufumana ididi entsha minyaka yonke, ungazilungiselela. Ezi zizinto ozazi ngazo. Ukulungiswa kwemoto engalindelekanga kuya kufakwa ngxowa-mali yakho yongxakeko, ngelixa usebenzise isibonelelo sokutshintsha ukubeka endaweni yamathala, kuba uyazi ukuba kuya kufuneka uyenze.
Xa uqala uhlahlo lwabiwo-mali, unokubheka iindleko ezingakumbi nge-fund yakho yexakeka, kodwa njengoko uhlawula imali ungayilandela iindleko zakho kwaye uqaphele indawo apho ungasungula khona i-fund. Oku kunokukunceda ukuphatha imali yakho kwaye ugxininise kwiinjongo zakho zemali. Elinye isofthiwe yesabelomninimandla sinokukunceda ubone ukuba ungalondoloza bunjani kwiqela ngalinye.