Indlela yokwahlula iindleko njenge-Couple

Funda indlela yohlahlo lwabiwo-mali kwaye uchithe ngelixa ugcina iiAkhawunti ezihlukileyo

Unokuhlukanisa njani iindleko ngokulinganayo xa ngamnye efumana imali ehlukile? Ezinye izibini zidibanisa yonke imali yazo ndawonye kwi-fund edibeneyo "yethu." Kodwa kuthekani ukuba awufuni ukwenza oko? Ezinye izibini zikhetha ukugcina imali yazo ngokwahlukileyo , nangona emva kokutshata. I-chip ngayinye ukuhlawula iindleko ezithile ezabelwana ngazo, njenge-mortgage okanye irente.

Nangona kunjalo, ukwahlula iindleko ngeedola eziluhlaza - ezifana nokwahlula into eyi-100 eyi-$ 50 eyongeziweyo nganye - akusisisombululo esizinzileyo ukuba abantu ababini banemivuzo eyahlukileyo.

Ukuba elinye iqabane lenza i-$ 200,000 ngonyaka, ngelixa elinye lenza i-$ 20,000 ngonyaka, kungenokuba nzima ukucela iqabane ngalinye ukuba lihlanganyele kwiindleko zemboleko . Ungenzani?

Indlela yokugcina iiAkhawunti ezahlukileyo, kodwa usenokuba ulungile

Ukuba uzibophezele ukugcina ii-akhawunti ezihlukeneyo, zama le ndlela: Yahlula iindleko zakho ngokusekelwe kwipesenti ethile yomvuzo wakho. Ngokomzekelo, unokuvuma ukuba ngamnye wenu uya kudibanisa kwipesenti ezingama-35 yengeniso yakho kwiindleko zezindlu.

Umlingani ozuzayo ophezulu uya kuhlawula ngaphezulu iidola (kwimali eluhlaza) ngelixa iqabane elincinane elifumana umvuzo liza kuhlawula imali encinci. Kodwa bobabini abalingani baya kubhatala ipesenti yabo yengeniso yabo. Unokwenza oku kunye nesigaba ngasinye sebhajethi - ukutya, izibonelelo, ukunakekelwa kwezilwanyana kunye nokunye.

Ziziphi ezinye iindlela esinokuzenza?

Khumbula, le ngcebiso iyasebenza kwizibini ezifuna ukugcina ii-akhawunti ezihlukeneyo kunye zombini kwiintlawulo ezabelwana ngazo.

Akusiyo kuphela isicwangciso esivakaliswayo isibini ukugcina "amacwecwe" emali.

Nazi ezinye iindlela ezenza imibhangqwana ikwazi ukugcina imali ehlukeneyo:

• Isibonelelo: ngamnye umlingani ufumana "isibonelelo." Oku kunokuba ngumlinganiselo ofanayo wemali (kwiiyure ezidityanisiweyo), okanye ingaba ngumlinganiselo wemali engenayo. Oku kuvumela iqabane ngalinye ukuba lichithe isabelo sabo nantoni na eyifunayo ngelixa ligcina ubuninzi bemali yabo kwisibini esabelwe. Esi siqhinga esiluncedo xa omnye umlingane engumntu osisigxina xa elinye lisoloko ludla.

• Ukhetho: ngamnye iqabane lihlawula iindleko ezithile. Elinye iqabane lihlawula imali, ngelixa elinye iqabane lihlawula ukutya kunye ne-inshurensi yemoto. Ukuba elinye iqabane lifumana ngaphezulu kunezinye, unokukhetha ukuhlawula iindleko ezibizayo.
• Ibhonasi yeNtsebenzo: Inye iqabane lijolise ekunikeleni imali eninzi kulo ulwalamano, ngokunjalo nangomnye, umlingani ofumana umgangatho ophantsi ujolise ekunciphiseni iindleko ezininzi ngokusemandleni. Ngale ndlela, iqabane elithatha ixesha "lixabisa ngaphezulu" linokunyusa ingeniso, ngelixa umlingane ohlawuleyo angasebenzisa ukungahambisani nokuncedisa i-duo ukugcina kangangoko kunokwenzeka. Iqabane elijolise ekulondolozeni imali kufuneka lihlale lilandelelanise ukuba lilondoloze kangakanani inyanga nganye, kwaye ifumana "isibonelelo" okanye "ibhonasi yokusebenza" esekelwe kuloo mali. Emva kwakho konke, ipenki isindiswe ipenny izuze.
• Umvuzo womtshato: Kuthekani ukuba omnye umlingani ungumzali wexesha elizeleyo , ngelixa elinye iqabane lisebenza ngaphandle kwendlu, kodwa abo baqabane bafuna ukugcina ii-akhawunti ezihlukeneyo? Iqabane elifumana umvuzo linokuhlawula "umvuzo" kumzali wesikhathi esigcwele. Kuvakala ukuba kunzima kakhulu, ndiyazi, kodwa ndive ngeendaba eziyimpumelelo ezibini ezonwabileyo ezinomdla wokugcina ii-akhawunti ezihlukeneyo, nangona elinye iqabane lijolise kumsebenzi wasekhaya wesikhathi esigcwele.