Khetha Isizathu Esithile Sokugcina Imali
Kufuneka uqinisekise ukuba uyilondoloza imali. Injongo yakho yokulondoloza inokuba yintlawulo yokuhlawula ekhaya lakho. Ungasindisa kwiholide yephupha okanye ukuhlawula imoto yakho elandelayo. Unokuba usindise umhlala-phantsi okanye i-fund yexakeka. Ungasindisa zonke ezi zizathu. Emva kokuba uyazi ukuba uyisindisa ntoni, ngoko kufuneka uqikelele ukuba ufuna kangakanani ukuze ufikelele umgomo ngamnye.
Yakha ixesha lexesha leNjongo
Xa unenjongo yokulondoloza kunye nemali oyifunayo ukuyilondoloza, inceda ukuba ube nomgca wesikhathi somgomo wakho. Oku kuya kukunika uncedo olongezelelweyo ukuhlangabezana neenjongo zakho zokulondoloza. Ezinye izihlandlo zilula ngomzekelo onokufuna ukuya eholidini ngonyaka okanye uceba ukuhlawula indlu yakho ekulungele kwiminyaka emibini. Ezinye iinjongo, ezifana nokulondoloza umhlalaphantsi okanye i- fund yexakeka , unokufuna ukubeka amanqaku kunye neentsuku ofuna ukufikelela kuzo.
Ngokomzekelo, unokwazi ukuba ufuna ukuba ne-$ 50,000 kwi-akhawunti yakho yokugcina umhlala-phantsi ngexesha lokufikelela kwiminyaka engamashumi amathathu.
Beka Iinjongo zokuSindisa ngeNyanga ukudibanisa ixesha lakho
Ukuze ufikelele kumgca wakho wesikhathi sokulondoloza injongo yakho, kufuneka uqikelele ukuba ufuna kangakanani ukugcina inyanga nganye ukuze ufikelele kuyo.
Oku kufuneka kulungele ngqo kwiinjongo zakho ezininzi, kodwa i-akhawunti yakho yomhlala-phantsi kufuneka ulungelelanise ukuze uqwalasele umrhumo wakho kunye nezinga lakho lokubuyisela eliya kudibaniswa kuyo.
Fumana iMali eyongezelelweyo kwiBhajethi yakho yenyanga
Uzakufuna ukufumana loo mali enabhajethi yakho . Kufuneka uhlele ukugcina imali ukuze kwenzeke ngokuzenzekelayo. Ezinye iinkampani ziza kuhambisa i-akhawunti yakho yokugcina imali okanye i-bhanki yakho ibhale ngokuzenzekelayo loo mali kwi-akhawunti yokugcina kwi-payday.
Sebenzisa iThuluzi lokuLondoloza elungileyo
Kufuneka ufumane kwakhona uhlobo olufanelekileyo lwe-akhawunti ekujoliswe kuyo. Ukuba ukhangele ukugcina imali iminyaka engaphezu kwemihlanu, kufuneka ukhangele imali. Ngaphandle koko, kufuneka ukhangele izinga eliphezulu lokubuyisela i-akhawunti. I-akhawunti yemarike yemali kwi-bhanki yakho okanye umanyano weentengo zemboleko kaninzi unika ixabiso elifanelekileyo lokubuyisela Kwixesha elidlulileyo, iiSatifikethi seDistim (iiCD) ziye zanikela ngexabiso elifanelekileyo lokubuyela, kodwa kufuneka uzifanise namanye ama-akhawunti. Awufuni ukubeka ingxowa-mali yongxamiseko kwi-CD kuba unokuhlawulwa xa ufuna ukufikelela kwimali phambi kokuba ixesha lizaliswe. Izibambiso zokulondoloza aziyi kunika inketho eyokukunceda ufinyelele iinjongo zakho ngokukhawuleza.
Ukwenza imali ngokuzenzekelayo kunye nokutshintshwa kwenyanga nganye kunokukunceda.
Iingcebiso ezongezelelweyo:
- Ukuba usebenza kwiinjongo ezingaphezulu kolondolozo olulodwa, unokhetho oluninzi olukhoyo. Unokukhetha ukubeka yonke imali kwiakhawunti enye kwaye ugcine nje i-ledger ekhaya kwikota eliya kuyo. Okanye unokhetha ukuba neakhawunti ehlukeneyo kwiinjongo zakho zokugcina. Ngokomzekelo, unako ukukhetha ukuba ne-akhawunti eyodwa yokugcina imali kuphela yesikhwama sakho esiphuthumayo, kunye nezinye i-akhawunti oyisebenzisayo ukugcina ikhaya okanye iholide. Ukulondolozwa kweeholide zakho kunokukunceda ukukhusela ekubhubhiseni ibhajethi yakho . Oku kuya kunceda ukukhusela imali oyilondolozayo kulezo njongo ukuba uphelile ufuna ukusetyenziswa kweengxowa-mali zakho zexakeka.
- Ukuba usebenza kwiinjongo ezinkulu, unokuba ufuna ukuzivuza njengoko ufikelela kwizinto ezibalulekileyo ezihamba phambili endleleni. Oku kunokukunceda uhlale ukhuthazwa. Iimbalo ezimbalwa ezihamba ngendleleni zingakunceda uhlale ukhuthazela iinjongo ezinkulu . Kubalulekile ukuqinisekisa ukuba iinjongo ziyafezekiswa ukuze ungadikibala kwaye uhlale ukhuthazwa.