Ngaba mhlawumbi uhlala kwiMali yokuBala iNgxowa kwaye Ungazi
Nazi ezinye iindlela zokukhetha:
Ukuboleka Kwimali okanye kwiCash Out of Value Cash Value Umgaqo-nkqubo we-Inshorensi
Ngaba unayo imali encinci ye-inshorensi yobomi eqokelela uthuli, okanye ngakumbi, ukubiza imali ngeminyaka? Ukuba kunjalo, ungafuna ukucinga ngokuboleka kwixabiso lemali okanye mhlawumbi ukhansele yonke ipolisi.
I-inshorensi yobomi bomshuwalense kubantu abancinci phantse kubakho utyalo-mali olubi. Kwezinye iimeko, abazali bakho banokuthi bathathe ipolisi kuwe xa uselula, okanye mhlawumbi uthengiswa ngumgaqo-nkqubo nge-inshurensi. Ngandlela-thile, mhlawumbi unelungelo lokufa okuncinci kunye nexabiso lemali elithobela inzala encinci. Ukuba uhlawula i-10, 20, okanye i-30 ekhulwini kwi-credit card yakho ngetyala ngamnye ngonyaka, mhlawumbi wenza okubi ngaphezu kokulungileyo ngokugcina umgaqo-nkqubo. Emva kokubanjelwa kwiimali zakho, unokwazi ukubheka umgaqo-nkqubo wokuphila wexesha elibi kakhulu .
Thengisa Utyalo-mali oNgekho phantsi
Ukuba unalo utyalo-mali kwiingxelo ezihlawulelwayo rhoqo, mhlawumbi ngendlela yokugcinwa kwee- bonds , ii-CD, okanye kunye neemali eziphathekayo okanye i-stock, kungenangqiqo ukuthengisa ezinye zezo zityalo-mali ukuba zifake isicelo sakho kwityala lakho.
Nangona nayiphi na inzuzo kule mali-mali ihlawulwa njengenzuzo eyinkunzi kulo nyaka, thelekisa inani lemali yerhafu oya kulihlawula ngokumalunga nemali oyakusindisa ngokunciphisa ityala kwaye uhlawule ngaphantsi kwekharityhulam ephezulu. Unokufumanisa ukuba ulungele ukuhlawula irhafu kwiintlawulo ezinkulu kunye nokwazisa imali leyo kwi-matyala akho.
Nasi umzekelo olula:
Ukuba utyalwe i-$ 1,000 kwi-fund eyodwa kwiminyaka emibili edlulileyo kwaye ngoku ixabise i-$ 1,500, oko kuthetha ukuba unenzuzo ye-$ 500. Kodwa ekubeni ubeke utyalo-mali ngaphezu konyaka, uxhomekeke kwi-tax revenue earning, eyangoku i-15%. Oko kuthetha ukuba uthe wachitha i-$ 1,500, uza kuhlawulisa i-$ 75 kwiirhafu. Oku kuya kukushiya nge-$ 1,425 ukufaka isicelo kwi-credit card yakho. Ukuba ikhadi lakho lekhredithi linomyinge wenzalo ngaphezulu kwe-15%, uza kusindisa imali kwaye ufumane loo matyala ahlawulwe ngokukhawuleza, okwenza unomdla ongaphantsi kwendlela.
Thengisa Izinto Zakho Zakho
Uninzi lwabantu luninzi lwezinto eziqoqa uthuli kwigaraji okanye kwisiseko esingasetyenziswanga. Nangona sihlala sicinga ukuba siya kufuna loo guitar endala okanye i-nostalgic game game system, mhlawumbi bathatha indawo.
Cinga ukuba neentengiso zendawo, okanye ubeke izinto ezithengiswa kwi-eBay okanye kwi-Craigslist ukwenza imali eyongezelelweyo. Xa uthengisa izinto enye okanye ezimbini kwi $ 20 aziyi kusebenza imimangaliso kwityala lakho, ukuthengisa izinto ezimbalwa kwi $ 20 nje. Kuze uvelise ezimbalwa iidola ezilikhulu uza kufaka i-toit kwisikwere sakho, kwaye uya kuhlambulula indlu yakho okanye indlu ngexesha elifanayo!
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Ukubhaliselwa kwanyanga-mali kuhlalutyo olunzulu kwibhajethi yomntu. Imali nganye yokuthenga ibonakala ibancinci kwaye ifikeleleka kakhulu. $ 5 ngenyanga; $ 20 ngenyanga. Eyedwa ayinakuba yinto enkulu, kodwa nangona nabani na ukubhalisa kungabonakali ngathi kuninzi, xa uneshumi okanye ngaphezulu kule mibhozo nganye ngenyanga, inokukuhlawula iidola ezilikhulu ngenyanga. Ukurhoxisa, okanye kwandula nje ukuhlawulela, i-handful of subscriptions yakho yenyanga iyakwazi ukukhulula i-nice chunk yenguqu nganye nyanga.
Ngaba uhlawula inyanga nganye kwiplani yedatha yeselula ye-10G xa ungaze uhambe ngaphezu kwe-6G? Ngaba ufumana iphephandaba leveki lephephandaba ngeveki xa unayo ixesha lokulifunda ngeveki? Ngaba ufumana amaphephancwadi ongafumanisi xabiso kakhulu, okanye unokukhangela i-intanethi? Zizo zonke izinto onokuyichitha okanye ukhiphe kwaye ukhulule imali ngenyanga nganye ukufaka isicelo kwisikwere.
Musa ukuma apha-Fumana Ubumba
Ezi zimbono nje ezimbalwa, kodwa kufuneka zikunike into ekucingayo malunga nokuba ungaphila imali ebomini bakho. Awudingi ukuba nenqwaba yemali ehlezi ngeenxa zonke ukubeka ityala kwityala lakho. Ukukwazi nje ukufumana iindlela ezili-10 zokugcina i-$ 10 nganye nyanga kunokunciphisa isicwangciso sakho sokubuyiselwa kwetyala ngeenyanga okanye kwiminyaka embalwa, kwaye ukugcina amawaka okanye amawaka enomdla ngaphezu kwexesha elide.
Ngoko, unokufumana phi imali yokuhlawula ityala lakho lekhadi lesikweletu?