Indlela Yokugcina Iinjongo Zakho Zemali Ngokuphumelelayo
Kufuneka ugcine imali engakanani ngenyanga? Kukho iindlela ezininzi zokuphendula lo mbuzo.
Impendulo emfutshane kukuba kufuneka ulondoloze ubuncinci bama-20 ekhulwini kwingeniso yakho. Ubuncinane iipesenti ezili-12 ukuya kwi-15 yeepesenti kufuneka zihambele kwiakhawunti yakho yomhlalaphantsi. Ezinye iipesenti ezi-5 ukuya kwi-8 ekhulwini zezo zinto kufuneka zihambelane nokudibanisa nokwakhiwa kweengxowa-mali ezikhawulezileyo , ukudala ezinye iindleko zexesha elide kunye nokuhlawula amatyala.
Ngoxa lo myalelo omhle wezithupha ulandela, akusiyo impendulo kuphela. Ukuba ufuna impendulo engaphezulu, funda.
Ziziphi Iinjongo Zakho Zemali?
Ukuthabatha ngokujulile ukucinga ukuba ungayilondoloza phi inyanga nganye, qalisa ngokujonga iinjongo zakho.
Ngokuthethileyo, iinjongo zakho zezemali ziya kuphinda zibe phantsi kweebhakethi ezintathu:
- Iindleko eziza zingaphantsi konyaka
- Iindleko eziza zingaphantsi kweminyaka elishumi
- Iindleko zexesha elide kakhulu eziyiminyaka elishumi okanye ngaphezulu
Iinjongo zeMali ezifutshane
Izindleko eziza ngaphantsi komnyaka omnye zizinto ezifana nokuthatha iholide elunxwemeni, ukuthenga izipho zeeholide, ukuqinisekisa ukuba unayo imali eyaneleyo ukuhlawula irhafu yakho, nokugcina imali yokugcina umkhosi wokuzalwa.
Omnye umzekelo wenjongo yexesha elifutshane yemali ugcina iindleko zenyanga ezintandathu kwiindleko zexakeka. Unokwenza oku ngaphantsi konyaka. Ukuba ufuna ukugcina i-$ 5,000 kwiinyanga ezithoba, kufuneka ubeke i-$ 555 ngenyanga ngenyanga kule njongo.
Iinjongo zeMali zexesha elide
Ngaphantsi kwesigaba esingaphantsi kweshumi, faka iindleko ezifana nokutshintsha iifowuni zakho, ukwenza ukulungiswa kwezindlu ezinkulu , ukuthenga imoto entsha (mhlawumbi ngokuhlawula imali ), okanye ukuhlawula indlu.
Iinjongo zeMali zexesha elide kakhulu
Ngaphantsi kwexesha elide ngaphezu kwe-ambulula elishumi, iinjongo zakho zingabandakanya ukwakhiwa kweengxowa-mali zokugcina imali kubantwana bakho okanye ukuthenga ikhaya lesibini.
Ngokuqinisekileyo, kufuneka udibanise umgomo wokugcina ulondolozo lwexesha elide: umhlalaphantsi.
Yakha uludwe, uCwangciso, kwaye ubale
Sivele siphezu kwesihloko somhlalaphantsi, ngoko unokushiya loo mfanekiso kwimifanekiso ngoku.
Kuluhlu lweendleko ozigcinayo njengamanje, ziquka zonke izinto, ezifana nemishado, ukulungiswa kwendlu, iiholide, ukuhamba, kunye nokugcinwa kwekholeji.
Khawubhale phantsi i-target your savings target and the deadline. Yenza oku kuzo zonke iinjongo omnye kwisohlwini lwakho.
Emva koko mahlule ikhefu lexesha ngemali yemfuno oyifunayo nganye ngenjongo.
Ngokomzekelo, masithi ufuna ukukwakha i-$ 10,000 ekulondolozeni umtshato , kwaye uceba ukutshata phakathi kweminyaka emibini ezayo. Uya kufuna ukubeka eceleni i-$ 416 ngenyanga ngenyanga kwiinyanga ezingama-24 ezizayo ukufikelela kwi-target yakho ye-$ 10,000.
Qalisa lo kubalo ngawo wonke umgomo kwiluhlu lwakho. Ngexesha ophelile, mhlawumbi uya kubona ukuba awukwazi okwaneleyo. Heck, ngethuba lokuqala ndizama lo msebenzi, iinjongo zam ndolozo ziphelile ukuba zikhulu kunomvuzo wam.
Yintoni oyenzayo xa iinjongo zakho zokulondolozwa zigqithise imali yakho
Yintoni ongayenza xa oku kwenzekayo? Okokuqala, guqula okanye usike iinjongo zakho ezimbalwa. Ungathenga imoto engabizi? Ukuphosa umtshato ongabizi ngaphantsi? Ukuthenga indlu engabizi ngaphantsi, nto leyo iya kufuna inkokhelo encinci?
Emva koko, jonga iindlela ongagqithisa ngayo imali yakho yangoku. Ukukhansela i-cable ye-TV kunokuvumela ukuba ugcine i $ 50 okanye i-$ 60 ngenyanga, ongayifaka kwiinjongo zakho ezininzi zokugcina.
Emva koko yibone ukuba unako ukwandisa umgca wexesha lakho naziphi na iinjongo zakho. Ngaba kufuneka ufake indawo yakho yeekhijithali ekhishini kulo nyaka, okanye ungaphila nezixhobo zakho zamanje kwiminyaka embalwa engaphezulu?
Ekugqibeleni, jonga iindlela ongayifumana ngayo imali eyongezelelweyo , njenge-freelancing kwicala.
Isishwankathelo, kukho iindlela ezimbini zokuphendula umbuzo othi, "Ndingakanani na ukuba ndisindise?"
Ukuba ungathanda impendulo ethile eyenziwe ngokwezifiso kulo mbuzo, uzakufuna ukuchitha ubuncinane imizuzu engama-30 ukubhala iinjongo zakho kwaye ulindele ukuthengwa kweetikiti ezinkulu. Ukuba ufuna ulawulo olukhawulezayo nolungcolileyo lwempendulo yesondlo, qiniseka ukuba usindisa ubuncinane i-20 ekhulwini yengeniso yakho.