Ukuba Unenkathazo Ukuhlala KwiNdlela Yokugcina Imali, Funda Oku
Ngaba unzima ukufumana iinjongo zokufikelela kwiinjongo zakho zokulondoloza? Kungaba nzima ukuhlala endleleni xa ulondoloza ixesha elide. Kulula ukulahlekelwa ingqalelo kwaye uqale ukuchitha imali kwizinto ozifunayo okwangoku kunokuba ufuna izinto kwixesha elizayo.
Nazi iindlela ezimbalwa zokuhlala ukhuthazwa ukufikelela kwiinjongo zakho zokulondoloza , nokuba iinjongo zakho ziza kuthatha iinyanga okanye iminyaka ukugqiba.
Bhala Ubomi Bakho "Kutheni"
Indlela eyona ndlela yokubuyisela kwakhona iinjongo zakho zokugcina imali kukubuyela kwisizathu sokuqala ofuna ukuyibeka kwindawo yokuqala.
Umzekelo, mhlawumbi ugcina imali yokuhlawula imali phantsi kwendlu. Le njongo yokugcina ingathatha ixesha elide, kuxhomekeke kwindlela ongayenza ngayo nganye inyanga. Unokuqala ukuziva uchithekile ngcamango emva kweenyanga ezimbalwa (okanye iminyaka) idlule.
Ngoko ubuyekeze isizathu sakho sokugcina indlu. Mhlawumbi uhlala nabazali bakho kwaye akunakuze ulinde ukuphuma kwakho. Mhlawumbi uyeka ukuqala intsapho ngenxa yokuba indawo ohlala kuyo ayinayo indawo eyaneleyo yentsana. Okanye mhlawumbi ukhangele ukufuduka uze uqale kwenye indawo.
Kungakhathaliseki isizathu sokuba , yibhala phantsi uze uqinisekise ukuba udibanisa nayo. Udinga "kutheni" edibanisa nawe. Ukulondoloza "nje ngokuba into efanelekileyo yokwenza" akuncedi.
Akuyena umgqugquzeli onamandla okwaneleyo.
Beka iindleko ezinkulu
Ngamanye amaxesha isizathu sokuba silahlekelwe yinjongo yokuba sisindise kukuba iinjongo zethu zibonakala ziloyiko. Ukubuyela kumzekelo wokuhlawula imali, ukuba kufuneka ugcine i-$ 20,000 okanye i-$ 40,000 kwiminyaka emihlanu, okubonakala ngathi akunakwenzeka ukwenza.
Akunakwenzeka, nangona kunjalo.
Uninzi lwabantu lufezekise iinjongo ezifanayo (okanye zigcinwe ngaphezu kwelekhaya). Ukuphula umnqophiso wakho phantsi kunye nokuba nemigangatho emancinci yokufikelela kunokukunceda uhlale ukhuthazwa.
Endaweni yokwenza iinjongo zakho njenge-$ 20,000 kwiminyaka emi-5, uyigqitheke ibe yimihla ngemihla. Kufuneka ugcine i-$ 333.33 ngeenyanga ukufikelela kuloo njongo (ungakhange ucinge umdla owutholayo). Oku kuvakala kakhulu kunesabisa ngaphezu kwee-20,000 zamaRandi, kunene?
Unokwenza isigqibo sokubhiyozela inkqubela phambili oyenzayo ngayo yonke i $ 5,000 egcinwe, ukwenzela ukuba unamabanga amancinci amane okufikelela kuyo, kunokuba ube ngu-20,000.
Iphuzu kukuba, awufuni ukwesaba kakhulu injongo yakho ofuna ukuyiphepha. Ufuna umnqweno wakho ulawulwe ukuze uzive ngathi unokufumaneka.
Yibone ngeso sihlandlo sakho
Enye iqhinga elingasinceda ukujonga inkqubela yakho. Xa iinyanga kunye neminyaka zidlulayo kwaye usagodla kunye nokulondolozwa kwakho, ungase ulahlekelwe yimpumelelo eyenziwe. Ukulondoloza kuqhubeka.
Ukukhawulela oko, yenza iziboniso ezitshatileyo inkqubela yakho ukuze uhlale ukhunjuzwa ukuba ufike kangakanani. Oku kunokunceda kwi-tip yangaphambili yokubhiyozela amancinci amancinci, naye.
Kukho iingcamango zendlela yokujonga ngetyala, kwaye ukonga kuyafana .
Khetha yonke into eyenzayo!
Unokwenza isigqibo sokudweba i-thermometer encinci ngokunyuka kwemali uze uyigcwalise xa uthumela imali kwi-akhawunti yakho yokulondoloza. Okanye, yakha "intambo" yokulondolozwa-kuyo yonke imali eyi-X yemali igcinwe, unokongeza ukhenketho olumele loo mali. Unokwenza isigqibo sokugcina i-$ X yemali ngosuku, kwaye yonke ixesha ugcina loo mali, inkwenkwezi ngosuku kwikhalenda yomzimba. Unokuthi uqhutywe ukugcina loo kholeji iya.
Ezi ziboniso zinokukunceda ukuqhuba inkqubela phambili, kwaye zikhonza njengesikhumbuzo rhoqo ngeenjongo zakho. Awukwazi ukulahlekelwa yimvakalelo eninzi xa ubhekene nesikhumbuzo esibonakalayo nsuku zonke!
Hlaziya kwakhona iinjongo zakho
Ukuba ungeva ukhuthazwa njengokuba wawukho ngaphambili, kusenokuba ngumqondiso ukuba kufuneka uhlolisise iinjongo zakho. Mhlawumbi into yatshintshile ebomini bakho kwaye awuyi kuphinda uyive.
Kulungile! Uninzi lwabantu lushintsha ingqondo yabo malunga neenjongo zabo, kwaye kuyindlela ekufanele ihlolisise, ingakumbi ukuba awukwazi ukubambelela phantsi "nto."
Ngoko ukuba ufumanisa ukuba iinjongo zakho azikuvuyi ngokubanzi, yenza kwakhona uluhlu lweenjongo zokulondoloza nokubeka phambili phambili . Unokufumanisa ukuba udinga ukutshintsha ugxininiso lwakho kwenye into, kwaye kulungile. Unokuhlala uthabatha imali oyilondolozile sele uyifake kwaye uyibeke kwelinye iinjongo.