Ukususela kwiAkhawunti eziSisiseko ukuya kwiSaving-Like Alternatives
Iindawo eziqhelekileyo ukugxotha imali yakho ziquka:
- Iingxelo zokugcina imali
- I-akhawunti yokugcina imali
- Iimarike zemarike zemali
- Iziqinisekiso zediphozithi (iiCD)
- Ukutshekisha umdla
- Iingxelo ezikhethekileyo (ukugcinwa kwabafundi kunye neakhawunti ezijoliswe kuyo, ngokomzekelo)
Siza kubumba kwiinkcukacha zezo ngxelo zingezantsi.
Ukufumana umdla: Zonke ii-akhawunti ezichazwe kweli phepha zihlawula umdla, oku kukunceda ukwandise ukonga kwakho-nangona izinga lokukhula lingaba lucotha. Njengoko uqhathanisa okukhethwa kukho, hlalutya inzala, esicatshulwa rhoqo njengepesenti yepesenti yonyaka (APY) ukugqiba ukuba yiyiphi i-akhawunti efanelekileyo. Akunakufuneka ukhethe i-akhawunti ngenani lexabiso eliphezulu - fumana nje umlinganiselo wokhuphiswano. Ngokukodwa kunye namanani omncinci e-akhawunti, inani lesenzalo alibalulekanga njengamanye amanqaku e-akhawunti afana nokuthengiswa kwemali kunye nemirhumo.
Imirhumo yokuhlawula? Imali inobungozi kwimpilo yakho ye-akhawunti yokugcina. Ngamaxabiso enzala aphantsi, nayiphi na inkunkuma inokusula imali yakho yonyaka okanye ulandelelanise i-akhawunti yakho ukunciphisa ixesha.
Hlola ingxelo yemali yebhanki yakho ngenyameko ngaphambi kokufaka imali.
1. IiNkcazo zokuSindisa eziSeko
Ngendlela elula, i-akhawunti yokulondoloza yindawo nje yokugcina imali. Ufaka kwi-akhawunti, ufumane inzala, kwaye uthabathe imali xa ufuna. Kukho imida malunga nokuba ungaphila imali ngokuphindaphindiweyo (ukuya kwezihlandlo ezithandathu ngeenyanga ngenxa yokurhoxiswa okungagunyaziswanga - kodwa ungenamkhawulo kumntu), kwaye ungeze kwi-akhawunti rhoqo ngokuthanda kwakho.
- Iinkcukacha ezingakumbi: Kutheni uvula iAkhawunti yokuSindisa?
Akukho nto engalunganga ngokusebenzisa enye yale akhawunti ye-vanilla, kodwa kukho ezinye iintlobo zokugcina i-akhawunti ezinokuthi zilungele kangcono kuwe. Lezo ezinye iingxelo zizonke iinguqu kwi-akhawunti yokugcina imali. Oku kuthethi, ukuba iimfuno zakho zilula, unokuthi uvula i-akhawunti yokugcina ebhankini osebenza ngayo kunye nokwenziwa nayo.
2. IiAkhawunti zokuSindisa kwi-Intanethi
Amaphuzu avelele kwi-akhawunti yebhanki ye-intanethi iquka
- Imilinganiselo ephakamileyo yemingalo kwiifom deposits
- Imali ephantsi (okanye ayikho) yenyanga
- Akukho mfuno emncinci yemali
- Ubuchwephesha obuphambili
Ezi ntlobo zeakhawunti zaqala ngokufumaneka kwiibhanki eziku-intanethi kuphela. Kodwa iibhanki ezininzi zezitena kunye namanzi zibandakanya ubuchule be-intanethi njengentlawulo ye-intanethi kunye ne-deposit edeleyo , kwaye ezinye iibhanki zinokukhetha oku-intanethi kuphela ngeemali eziphantsi kunye neerhafu eziphezulu kunama-akhawunti asemgangathweni.
Ukuzimelela: Ii-akhawunti zokulondoloza i-intanethi zilungele ukuzithengela abathengi be-tech-savvy. Awukwazi ukuhamba kwisebe uze ufumane uncedo kumtshi - uza kwenza uninzi lwebhanki yakho kwi-intanethi. Nangona kunjalo, ukulawula i-akhawunti yakho kulula, kwaye unako ukubiza umninimzi wesevisi ngoncedo (phawula ukuba ezinye iibhanki zamatena kunye nezidaka zithintela ukuba ungaphila umnxeba ngenkonzo yabathengi, kwaye banokuhlawula imali yokufumana uncedo kubantu).
Ngethamsanqa, unako ukugqiba izicelo ezininzi - nini na apho kukulungele khona.
Ii-akhawunti ezixhunyiwe: Ukusebenzisa i-akhawunti ye-intanethi, ngokuqhelekileyo ufuna kwakhona i-akhawunti yasebhanki yitena kunye ne-mortar (phantse nayiphi na i-akhawunti yokuqwalasela iya kwenza). Le yi- akhawunti yakho "edibeneyo" , kwaye ngokuqhelekileyo i-akhawunti oyisebenzisela idiphozi yakho yokuqala. Xa i-akhawunti yakho ye-intanethi iphakanyisiwe kwaye inokusebenza, unokwenza iifomethi kwenye imithombo - mhlawumbi unokufaka iifowuni kwi-akhawunti kunye nefowuni yakho yeselula .
Ukuchitha imali: Ukuba akukho sakhiwo senyama, unokuzibuza ukuba ungayisebenzisa njani imali yakho ukuba uyayidinga ngokukhawuleza. Ngethamsanqa, ezinye iibhanki ze-intanethi zibonelela nge-intanethi ukujonga i- akhawunti ezakuvumela ukuba ubhale amasheke, uhlawule iibhilidi kwi-intanethi , kwaye usebenzise ikhadi lokukhangela ukuthenga kunye nokukhishwa kwemali. Ukuba udinga ukuhambisa imali kwi-akhawunti yakho yasebhanki yasekuhlaleni, olo tshintsho oluthathayo lwenzeka kwenzeka kwiintsuku ezimbalwa zoshishino.
Ngaphezulu, ezinye iibhanki ze-intanethi zikuvumela ukuba ulandele isheke se-cashier ephuma ngeposi.
Utshintsho kwiAkhawunti zokuSindisa
Ukuba udinga ngaphezu kwe-akhawunti yokugcina (okanye i-intanethi) yokugcina imali, kukho ezinye iintlobo zeakhawunti ezihlawula umdla ngelixa zinikeza izibonelelo ezongezelelweyo.
Iimali zeemarike zemali (i-MMAs): Ukujonga i- akhawunti yemarike yemali kunye nokuziva ngathi njenge-akhawunti yokulondoloza. Uhlobo oluphambili kukuba unokufikelela okulula kwimali yakho: Unokubhala ngokubakho ukuhlola i-akhawunti, kwaye unokwazi ukuchitha loo mali ngekhadi lokukhwabanisa. Nangona kunjalo, njengaye naziphi na i-akhawunti yokulondoloza, kukho imida malunga namaninzi ngeenyanga unokwenza uhoxiso. Iimali zeemarike zemali zihlala zihlawula ngaphezu kwee-akhawunti zokulondoloza, kodwa zinokufuna iipasiti ezinkulu. Ziyindlela efanelekileyo yokulondolozwa kongxamiseko kuba unokufikelela kwimali yakho, kodwa ufumana inzala. Funda kabanzi malunga neengxelo zeemarike zemali .
Izatifikethi zediphozithi (iiCD): IiCD zifana neengxelo zokulondoloza, kodwa zihlala zihlawula ngaphezulu. I-tradeoff? Unokufakela imali yakho kwi-CD ngexesha elithile (iinyanga ezintandathu okanye iinyanga ezili-18, umzekelo). Kuyakwazi ukurhoxisa imali ekuqaleni, kodwa kuya kufuneka uhlawule isohlwayo , ngoko ke iiCD zenza ingqiqo ngemali ongeke uyidinge nayiphi na ixesha kungekudala. Ukufumana ulwazi oluninzi, funda malunga neziseko zeCD .
Ukutshekisha umdla: Ukuba ufuna ngokwenene ukufikelela kwimali yakho (kwaye ufuna ukufumana inzala), unokufumana into oyifunayo kwi-akhawunti yokujonga. Iingxelo zokujonga izithethe azikhokhe umdla, kodwa ezinye iindidi zee-akhawunti zivumela ukuba ufumane kwaye uchithe rhoqo njengoko ufuna. Iibhanki ze-intanethi zinika i-akhawunti yokujonga ii-akhawunti ezihlawula umdla omncinci (ngokukodwa ngaphantsi kwe-akhawunti yokulondoloza). Ukuhlawulwa kweekhawunti ukuhlawula ngaphezulu, kodwa ukufaneleka kuya kuba nzima.
Akhawunti zokuSindisa abafundi
Ngaphandle kweebhanki ze-intanethi, i-akhawunti yokulondoloza ingabiza xa ungagcinanga ibhalansi enkulu kwi-akhawunti yakho. Amabhanki ahlawulisa iindleko zenyanga, kwaye ahlawula inzala encinci okanye engenakunceda kwiakhawunti encinci. Kubafundi (abachitha ixesha elininzi befunda - bengasebenzi), yingxaki. Ezinye iibhanki zinika i-akhawunti yokulondoloza "abafundi" ebanceda abafundi ukuba baphephe iimali baze bafumane umsebenzi kwaye banako ukufumana umrhumo wenyanga.
Ukuba ungumfundi, i-akhawunti yokulondoloza abafundi kwi-brick-and-mortar bank okanye inkontileka yekhredithi yinto enhle kwi-akhawunti yakho yasebhanki yokuqala. Qaphela ukuba i-akhawunti ingaguqulela kwi-akhawunti "rhoqo" ngexesha elithile, kwaye kuya kufuneka ukuba ukhumbule iifizi emva kokuguqulwa.
IiAkhawunti zokuSindisa eziPhambili
Ungasindisa nantoni na - okanye akukho nto ingakumbi - kwi-akhawunti yokulondoloza, kodwa ngamanye amaxesha kunceda ukubeka imali kwiinjongo ezithile.
Umzekelo, unokufuna ukwakha imali yokugcina isithuthi esitsha, ikhaya lakho lokuqala, ikhefu, okanye izipho kubathandekayo. Ezinye iibhanki zinika i-akhawunti yokulondoloza ejoliswe ngokukhethekileyo kwezo njongo.
Inzuzo eyintloko yale akhawunti iyingqondo. Ngokuqhelekileyo awufumani okungaphezulu kwimali yakho yokugcina (nangona ezinye iibhanki kunye neemanyano zentengo zemali zinikela ngempahla yokukhuthaza ukugcinwa rhoqo), kodwa unako ukufikelela kwiinjongo zokulondoloza xa i-akhawunti ethile ibophelelwe into oyithandayo. Ukuba oko kuzwakala ngathi into enokuyifumana kuyo, khangela "iklabhu yokugcina" (okanye efanayo). Unokuzidibanisa yakho inkqubo: Bona indlela yokwenza oku ku-SmartyPig , okanye unokwenza "ama-akhawunti" okanye ii-akhawunti ezininzi (ngegama elichazayo) kwiibhanki ezininzi ze-intanethi.