Ngaba ufuna ukudala isiseko semali esiqinileyo? Le migaqo iya kunceda
Abantu abaninzi bandibuza oko ndicinga ukuba ikusasa linakho. Baya kuthi ntoni, okanye, "Uhlobo luni lwesitampu esitshisayo?"
Kodwa le mibuzo engafanele ukuyibuza.
Ukugcina i-future financial financial does not come from following some tip crazy water stocker tip. Kuvela ngokulandela imigaqo emiselweyo yokulawula indlela olawula ngayo imali yakho kwixesha elide.
Kwakhona kubalulekile ukukhusela iintlekele zemali ngazo zonke iindleko.
Nazi izinto ezimbalwa oza kufuneka wazi ukuze udale impumelelo engaphezulu kwimali yakho.
Ukuchitha ngaphantsi kunokuba uzuze
Ndiyazi ukuba oku kuvelayo, kodwa kunzima kunokuba abantu abaninzi bacinga.
Ukuchitha ngaphantsi kokufumana kwakho akusiyo imbangela yokuthengiswa kwemvume yokuthengisa. Ingumphumo wokuphepha ukuthenga okungadingekile kwindawo yokuqala.
Kukho intengiso eninzi eyenzelwe ukwenza ukuba sicinge ukuba silondoloza imali ngokuthenga into ethile kwisaphulelo. Nangona kunjalo, konke esikwenzayo kuchitha imali esingazange siyisebenzise .
Ukongezelela, ukuchitha imali engaphantsi kweyona ufumanayo kunokuvela ekugxininiseni igama eliphambili ekupheleni kwesi sigwebo: ufumane.
Ukuba ugxininisa ekufumaneni ixesha elide xa ugcina imali yakho yangoku kwinqanaba elifanayo, uya kwandisa isikhala phakathi kokusetyenziswa kwakho kunye neholo lakho. Ngokugqithiseleyo ukuba i-gap ikhula, bhetele indawo oyakuba kuyo.
Gcina olunye uhlobo lweBhajethi
Akufuneki ukuba ugcine isabelo-mali esicacisiwe esicacileyo esichaza imali enokuyisebenzisa kwi-cat foot kunye nephepha langasese.
Unokugcina isabelomali esiphezulu esigxile kwiindidi ezibanzi kunoko . Ngokomzekelo, unokugcina uhlahlo lwabiwo-mali olubonisa imali oyisebenzisayo kuzo zonke izindleko zezindlu.
Oku kungabandakanya irenti yakho okanye i-mortgage, i-utilities, ifenitshala, ukugcinwa kwendlu, kunye nantoni na enye enokuthi ihlelwe njengento ehambelana nezindlu.
Unokuba nodidi lwesibini olubhekiselele kulo nantoni na ebandakanya ukuthutha. Oku kungabandakanya iintlawulo zemoto yakho, i-petroli, ukulungiswa kwemoto, ukudlula komgwaqo, kunye nokunye.
Emva koko unokuba nodidi lokulondolozwa, enye inzuzo yesikweletu, kunye nenye yazo zonke izinto. Ewe, loo bhajethi ebanzi kakhulu , kodwa ubuncinane ikuvumela ukuba ubone kwizinga eliphezulu apho imali yakho iya khona.
Isabelomali esona sikhulu kunazo zonke esilula nento endibhekisela kuyo njengoluhlu lolwabiwo-mali . Ingqiqo emva kwayo ilula kakhulu.
Uyazi ukuba uninzi kangakanani imali ofuna ukuyilondoloza nyanga zonke, ukukhupha loo mali ukusuka phezulu, uze uhlale kwenye. Ngethuba nje udibana nenjongo yokulondolozwa kwakho, akunandaba nokuba ungakanani imali ochithayo kwiitilesi ngokubhekiselele kumathambo.
Yonke into ebalulekileyo kukuba ekugqibeleni udibanisa imali ekujoliswe kuyo ekulondolozeni. Ngendlela, xa ndibhekisela ekulondolozeni, ndiyathetha malunga nantoni na eyenza ukwandisa umthamo wakho. Imizekelo ibandakanya ukuhlawula ngokukrakra ityala, ukufaka isandla kwiakhawunti yakho yomhlalaphantsi, okanye ukuqokelela imali yokugcina imali ebhankini.
Ukunyamekela iMali
Ukuba uya kuphazamiseka kwindawo enye ebomini bakho, qi ni sekise ukuba unganakali malunga neentlawulo zakho zokutyalomali .
Iimali ezininzi zihlawula iindleko zokuthenga okanye iindleko zokuhlenga, oku kuthetha ukuba uya kuhlawula imali ukuba ungene okanye uphume kule ngxowa-mali.
Ukongezelela, iimali ezininzi zinokulinganiswa kweendleko eziqhubekayo eziyimali yonyaka ephuma kutyalo-mali. Imirhumo ibonakala ingabonakali ngenxa yokuba akudingeki ubhale isheke kubo okanye ubabone kwizitatimenti zakho. Zithathwe ngokukhawuleza ekubuyiselweni kwakho, kodwa oko akubenzi ukuba bangaphantsi.
Yiba nefuthe malunga nokukhetha kwakho utsalo-mali. Bobabini iVanguard kunye noCharles Schwab banikela ngemali ephantsi-mali yemali elandelelanayo.
Qaphela Iinkcukacha Zakho Ezinkulu Kakhulu
Ezi zezindlu, ukuthutha kunye nokutya. Kukho ithuba elihle lokuba awuyi kuchitha imali kunoma yintoni enye ngaphezu kweyonke inani elichithayo kulezi zigaba zintathu.
Ukuba unokunciphisa izindlu zakho, i-transit, kunye neendleko zokutya, uza kwenza amanqanaba amaninzi ekuphuculeni inhlalakahle yakho yemali.
Yenza Ukonga ngokuzenzekelayo
Ukukrazula ngokuzenzekelayo imali kuyo yonke i-paycheck kwi-akhawunti yomhlalaphantsi, i-akhawunti yokulondoloza, kunye netyala elongezelelweyo.
Okungakumbi ukuba unako ukuzisebenzisela oku kulondolozwa, kunokuba wenze ngokuzikhethela, kunokwenzeka ukuba unamathele kwisicwangciso sakho.