Ngaba Uyazi Okwenzeni Kwimeko Yokufa okanye Ukwahlukanisa?
Ngelishwa, abantu abaninzi bafumana ngokukhawuleza ukuba abazange balungise ngokwaneleyo.
Ukubaluleka kokuRekhoda kweeNkcukacha ngoku
Ukugcinwa kwerekhodi echanekileyo kunye nokuhlelwa ngenye yeyona ndlela ibaluleke kakhulu enokwenza umlingane wakho angayenza ukuba awulungele kuphela xa kwenzeka ukufa okanye umtshato, kodwa kubomi bakho bezemali kunye . Ngethemba, xa usitshatile, wahlala phantsi ukuxoxa ngeemeko zakho zemali ezahlukileyo (kwaye ngoku zidibeneyo) kwaye wabuyela kwi- checklist yemali esandula kutshata . Ngethemba, uveze i-asethi kunye namatyala akho, ubalekele umthamo wakho wokubambisana , uzimisele iinjongo zakho zezemali, kwaye uphuhlise uhlahlo lwabiwo-mali oluhlangeneyo ukuze uncede ufike khona. Ukuba awuzange wenze, yenza njalo ngoku. Ukugqithisa olu luhlu lokutshekisha, nangona ixesha elide emva kwesigaba se-honeymoon, siya kuqinisekisa ukuba bobabini unabambiswano kwiimeko zakho zemali ezidibeneyo, ebaluleke kakhulu xa kwenzeka ukufa okanye umtshato.
Xa usuqedile lo msebenzi, ixesha lokuba uqale ukugcina iirekhodi zazo zonke iincwadi ezibalulekileyo.
Oku kubandakanya ukugcina isingatha kwiimali zakho, izikwereti ezihlawulwayo, utyalo-mali, izitatimende zebhanki, kunye neerhafu zentlawulo. Kodwa ithetha nokuba nekopi nayiphi na imigaqo-nkqubo yomshuwarensi yempilo kunye nezinye iimpahla eziyimfuneko zezimali zonke kwindawo enye kuquka izicwangciso zeendawo kunye neenjongo . Wonke la maxwebhu kufuneka agcinwe kunye kunye namagama kunye namanani obunxibelelwano obalulekileyo njengomcebisi wakho wezezimali, ummeli womshuwalense, kunye nabalawuli becwangciso lomhlala-phantsi oxhaswe ngumqeshi.
La maxwebhu kufuneka acingwe ngolu hlobo lwefayili yobomi bezezimali, nokuba ingaba yikhompyutheni okanye kwifom yephepha, kufuneka igcinwe kwindawo ekhuselekileyo kwaye ihlaziywe ngonyaka ngenxa yokuba, xa kwenzeka umtshato okanye ukufa, into yokugqibela ofuna ukuyenza kukuba ukukhawuleza ukufumana onke la maxwebhu abalulekileyo.
Ukubaluleka kokugcinwa kwengxelo emva kokufa okanye ukwahlukana
Ukuba wena kunye neqabane lakho niqhubeka nizikhusele iingxelo ngaphambi kokufa okanye umtshato, le ngxenye kufuneka ibe lula, kodwa xa kwenzeka ukuba omnye okanye bobabini bakho babengahlelekanga, kuya kufuneka uzame ukufumana isingatha kwizinto ngokukhawuleza. Naluphi na ulwazi oluya kubakho kwirekhodi lobomi bemali lubaluleke kakhulu ngoku ngoko isinyathelo sokuqala sifumana olo lwazi. Unokukhetha ukufumana ilungu lentsapho okanye ukuqesha umcebisi wezezimali ukukunceda ufikelele kwiiveki zokuqala kunye neenyanga emva kokulahleka kwakho.
Ngokukhawuleza, nibuthanise onke amaxwebhu onokufumanayo ahlobene nemicimbi yakho yezezimali kwaye uhlaziye. Xa kwenzeka ukufa, ingaba iinkampani zomshuwalense womshuwalense kufuneka zixelelwe? Ngaba umqeshi wakho umqeshi kufuneka axelelwe isicwangciso somhlala-phantsi okanye injongo ye-inshorensi yeqela? Ngaba iinkampani zokurhweba okanye ababoleki kufuneka baxelelwe ukutshintsha igama kwiakhawunti yakho?
Xa umtshato uqhawula umtshato, ngaba ufanele ukhansele amakhadi kunye neefowuni zekredithi kunye kunye nesicelo sakho kuphela kwigama lakho? Kuthiwani nge-akhawunti yebhanki? Ngaba uyazi ukuba iifayili kunye namatyala akho ahlangeneyo abukeka njani? Ukuze uzenzele endleleni yokuphucula kunye nokuzinza kwemali, uya kufuna ukubonisana neengcali malunga namanqanaba alandelayo. Kodwa okokuqala, kufuneka ufundise.
Iimviwo ezibalulekileyo zokuba nazo
Icandelo lokuzifundisa malunga neemeko zemali emva kokufa okanye iinkqubo zesahlukaniso kubutha kunye nokuhlaziya amaxwebhu angundoqo emali. Ngoxa wena kunye neqabane lakho kuphela niya kubaphi na amaxwebhu kunye nezitatimende ezisetyenziswa kuwe, nolu luhlu loncedo lwamaphepha aqhelekileyo ukuba:
- IWills okanye iZakhiwo zeSakhiwo
- Ikhadi loKhuseleko loLuntu
- Iinshorensi
- Iimali zokuhlawula kunye nokuqeshisa
- Izatifikethi zokuzalwa
- Izatifikethi zeStock
- Iingxelo zeerhafu zemali
- Ingxelo zeBhanki
- Amaphepha e-Mortgage
- Zenzo
- Amaxwebhu okucwangcisa umhlalaphantsi
- Izivumelwano zengqesho
- Izivumelwano zokusebenzisana
- Izivumelwano zesehlukaniso
- Amalungiselelo omngcwabo
- Isatifikethi sokufa
- Imbuyekezo yentela (iminyaka emine)
- Ulwazi olukhuselekileyo kwibhokisi
Yintoni enokuyenza ngeLwazi
Enye yezinto ezixinezelekileyo kukuzifaka iindleko zakho kunye neempahla zakho, ngoko unengcamango ecacileyo yeembopheleleko zakho zemali nokuba unayo imali okanye ezinye iimpahla zokuzihlawula. Ukuba imali iphantsi, unokufuneka unqume ukuba yiziphi iibill onokuzihlawulela kwaye kufuneka ulibale. Xhumana nababolekisi bakho, uchaze imeko yakho, kwaye qi niqiniseke ukuba uhlala uhlawula iimali-mboleko, i-inshurensi yempilo kunye nepropati, kunye neenkonzo zokuqala.
Omnye umba obalulekileyo iimfuno zakho ze-inshorensi. Ukuba ulahlekelwe ngumlingane wakho kwaye unganabantwana abaxhomekeke kuyo, usenokuba ne-inshorensi yobomi kakhulu. Ukuba ngokufa okanye umtshato, ngoku unomntwana wedwa oncedisayo, unokuba ne-inshorensi yempilo encinci. Unokufuna kwakhona ukukhupha umgaqo-nkqubo wokukhubazeka xa ungenayo enye, ukuze ukuba ungeke usebenze unayo imali yokuzixhasa wena nomntwana wakho. Ukuba lakho iqabane lingumxhamli kwiinkqubo ze-inshorensi yakho, kuya kufuneka ukhethe umxhamli omtsha.
Eminye imiba yezemali inokuhlala ilinde iinyanga ezimbalwa, njengokuhlaziya kunye nokwenza utshintsho kutyalo-mali. Ezi zigqibo ezibalulekileyo akufanele zenziwe ngokukhawuleza emva kokufa okanye umtshato, ukuba kunokwenzeka, kwaye ngokuqinisekileyo akufanele iqhutywe ngokomzwelo. Xa usukulungele, uya kufuna ukwenza isitatimende senani elifanelekileyo (uluhlu lwezinto zakho kunye namatyala) kunye nohlahlo lwabiwo - mali , ubonise ingeniso yakho neendleko zakho, kwaye uvavanye izicwangciso zakho zokutyalomali. Unokufuna ukubonisana neengcali zezemali (u-akhawunti okanye umcwangcisi wezemali) ukuze uqalise.
Uzakufumana ujongene nezigqibo zokuphila ezifana nokuba uhambe kwindlu encinci okanye kwindawo yokuhlala, uye kwidolophu eyahlukileyo, ubuyele esikolweni okanye uhambo. Ukubambelela ngokuqinile kwimicimbi yakho yezezimali kuza kwenza zonke ezi zigqibo kunye nokutshintshela ubomi obungatshatanga.