Phinda uqondise iCandelo le-Paycheck yakho ekuhloliseni ukuya kwi-Savings, uze uyishiye yedwa
Oku akuyona ingxaki engavamile-abaninzi abantu bakuthola kunzima ukuyigcina. Ngokuqhelekileyo, xa uyifumana ingeniso ingeniswa ngqo kwi-akhawunti yakho yokujonga, okanye wenze idiphozithi ngokwakho, kwi-bhanki, nge-ATM, okanye ngefowuni yakho.
Kwaye ke iintloko zakho zemali zijoliswe ngqo kwiakhawunti yakho yokujonga, ngoko kuyafumaneka ukuhlawula umjelo obonakala ungapheliyo weebhili.
Umjikelezo onobuqili, kwaye omnye unzima ukuwaphula. Kodwa ngethamsanqa, kukho indlela yokuyiphula: isicwangciso sokulondoloza ngokuzenzekelayo.
Kutheni Ukugcina Imali Kunzima
Awukwazi ukuqonda oku (kwaye ungazive ukuba le yinto enjalo kuwe), kodwa abaninzi abantu basindisa imali njengemva.
Xa befumana ingeniso (nokuba ivela kwi-paycheck, umsebenzi we-freelance, utyalo-mali okanye enye imithombo), imali yabo yabelwe iibhilikhwe, ukutya, irente okanye i- mortgage . Emva kokuhlawula ezi zinto ezixabisekileyo, kunokusetyenziswa okanye kusenokungabikho kusetyenziselwa ukulondoloza (okanye ukuzonwabisa). Kwaye kule meko, ixesha elilodwa umntu ongeze imali kwi-akhawunti yokulondoloza yilapho kukho imali esele ihlawulwe ekuhlawuleleni iindleko ekupheleni kwenyanga.
Ngelishwa, ngoku ukucinga oku ngasemva, kukho phantse akukho mali eseleyo ukugcina.
Ngoko uyaphula njani le pateni?
Impendulo: Ukusindisa ngokuzenzekelayo
Xa wenza idiphozi kwi-akhawunti yokulondoloza ngokuzenzekelayo kwaye rhoqo, akudingeki ucinge ngako-imali ifakwe ngaphambi kokuba ube nexesha lokukhathazeka malunga neendleko okanye ukuba imali iyakushiywa. Xa usuqhelisele kuyo, usenokungaphuthelwa loo mali.
Ngenxa yetheknoloji yanamhlanje, kulula kakhulu ukumisa icebo lokulondoloza ngokuzenzekelayo.
Okokuqala, ufuna i-akhawunti yokugcina. Vula enye e-bhanki apho unayo i- akhawunti yakho yokujonga ukuba awunayo isistim esisodwa, kwaye wenze i-akhawunti yakho yokujonga kunye nokulondoloza ifakwe.
Ukuba okwangoku ubeka idiphozithi ngqo ngokusebenzisa umqeshi wakho, uza kufumana indlela elula (kunye neyona ndlela iphumelelayo) yokuseka inkqubo yakho yokulondoloza ngokuzenzekelayo kukuba inxalenye yakho yokuhlawula ngokukhawuleza ifakwe kwi-akhawunti yakho yokulondoloza (ngokunye, njengesiqhelo, iya kuhamba i-akhawunti yakho yokukhangela ukuhlawula iibhidi zakho). Akunandaba nokuba i-$ 10 okanye i-$ 500-nje ukuyibeka ngokuzenzekelayo kuya kuqinisekisa ukuba uyayigcina imali ngethuba elinye elihlawulwayo.
Ukuba awunayo idiphozithi ngqo, kusekho ukukhetha okulula: qalisa ukutshintshwa ngokuzenzekelayo kwi-akhawunti yakho yokukhangela kwi-akhawunti yakho yokulondoloza rhoqo xa uhlawulwa. Ngokomzekelo, ukuba uhlawulelwa njalo ngoLwesihlanu, unokumisela ukutshintshwa ngokuzenzekelayo kwemali ebekelwe imali ekuhloliseni ukuba ulondoloze ukuhambelana nale diphozithi. Qinisekisa ukuba uyazi ukuba imali iya kuncitshiswa ngenyanga, okanye ufumane ukukhishwa imali.
Ungayithinti Imali (ngaphandle kokuba uyayidinga)
Le ngongoma yokugqibela ingaba nzima kunayo yonke: kuya kufuneka ufunde ukushiya imali yakho kwi-akhawunti yakho yokulondoloza, ngaphandle kokuba uyidinga ngxakeko.
Ingcamango yokuba uyenze ukwenza ngaphandle kwekheshi ukuhlawula iindleko rhoqo, zenyanga. Ukuba uthetha kuyo njalo xa uhamba ngokufutshane, akukho nto iyakusala xa uyifunayo ngokwenene. Yenza isicwangciso sakho sokulondoloza ngokuzenzekelayo uze ushiye imali yedwa ukuze ukhule.