Nangona kunjalo, kukho enye imicimbi ongayimfuneko ukujongana nayo ngaphambi kokuba uqale ukugcina imali.
Ngaba Ufihla Izidingo Zakho Eziyisiseko?
Kubalulekile ukuba uhlawule iindleko zakho zenyanga ngaphambi kokuba uqale ukugcina imali. Xa kuziwa kwiindleko zenyanga, ufanele ucinge ngako njengezinto zakho ezisisiseko ezingakumbi kunokubandakanya zonke iindawo zakho zokunethezeka. Oku kuthetha ukuba unokubhengeza irenti yakho, ukutya kwakho (kodwa ungadli ukutya konke), ukuhlawula imoto yakho kunye ne-inshurensi kunye nezibonelelo. Oku akubandakanyi izinto ezifana nokubhaliselwa kwethelevishini, ubulungu bokuzivocavoca okanye ukuthenga izambatho ezintsha ngeveki nganye. Ngokuxhomekeke apho uhlala khona, unokuba nzima ukukwenza oku kumvuzo womgangatho wokungena. Unokufuna ukufumana iindlela zokunciphisa iindleko zakho ukuze ukwazi ukufumana iziphumo. Ukuthabatha umntu ohlala naye, ukupheka okunye ukusuka ekhaya nokuthatha izithuthi zikawonkewonke kunokukunceda ukuba ufikelele kwi -budget yezithambo kwaye ufumane iindlela zokugcina imali .
Ingaba Unamatyala aphezulu?
Ukuba unetyala lekhadi lesikweleti okanye enye inzala-mboleko ephakamileyo, akunakuqonda ukubeka imali eninzi kwi-savings ngenyanga. Uhlawula ngaphezulu inzala kwinyanga nganye kunokuba uza kuzuza imali yakho. Yenza ingqiqo yemali kugxininise ekukhuliseni ityala, kwaye uqale ukugcina, kuba oku kuya kukubeka kwindawo engcono yezemali kwaye awuyi kulahlekelwa yimali eninzi kwintlawulo nganye ngenyanga.
Ukuseka isicwangciso sokuhlawula ityala kunokukunceda ukuba uphume kwetyala ngokukhawuleza. Ukulandela uhlahlo lwabiwo-mali luyinxalenye ebalulekileyo yokuphuma kwetyala kunye nokugcina imali. Ukuba awunayo ibhajethi, yisela enye namhlanje.
Ngaba Unokuba Usindise Ngoku?
Ngelixa kunokuba kukho amaxesha apho kunengqiqo ukubeka imali yakho kwezinye iinjongo , unokufuna ukujonga imali yakho kwaye ubone ukuba kukho iindlela onokunyusa imali oyilondolozayo okanye ukubeka kwityala lakho ukuze uqale ukusindisa kungekudala. Ukuqhawula imali eninzi yokuqonda kunokuncedisa ukubeka amanyathelo amakhulu emali oya kuthatha kwiminyaka embalwa ezayo. Kubalulekile ukuyeka ukuya ematyala kwaye uqale ukwakha umnatha wakho. Nokuba unokwenza u-$ 50 ngeveki kuphela kwiiklasi ezimbalwa, loo mali iyongeza ngaphezu konyaka.
Kubalulekile ukuba awuyi kuxoxwa xa kufikelele ekugcineni imali. Ukuba uthengela iimpahla ezintsha ngeveki okanye uhamba ngeeholide ezibizayo unyaka ngamnye, unokufumana iindlela zokugcina imali eyongezelelweyo kwibhajethi yakho. Kubalulekile ukuzonwabisa kwaye ube nezinto ezintle, kodwa awukwazi ukuzithengisa ngokufutshane xa kuziwa ngokukhuseleko lwezezimali. Kufuneka wenze ukonga imali ephambili kwaye wenze ukuba kusindiswe imali yakho kuthetha ukuba kufuneka ubukele imali yakho.
Ngaba Kukhona Imali Yomlingo Yokufumana Ukukwazi Ukugcina Imali?
Kunokuba nzima ukuchofoza imali ethile oyifunayo ukuze wenze imali eyaneleyo yokugcina. Iindleko zokuphila zihluka ukusuka endaweni ukuya kwindawo kwaye umvuzo we-$ 50,000 uza kubandakanya ngaphezulu kwiphandle yasemaphandleni kunokuba kweso sixeko saseNew York okanye kwenye indawo. Unokuqala ngokulondoloza umhlala phantsi ukuya kumdlalo womqeshi wakho ngokukhawuleza xa ufanelekile. Emva koko fakela injongo ngokwakho kunye nemali (mhlawumbi ipesenti okanye ixabiso lemali) ofuna ukukwazi ukulondoloza inyanga nganye.
Kwakhona kunceda ukugcina yakho imali ngokuhambelana neepesenti ezithile zengeniso yakho. Umzekelo, jolise ukuba neendleko zezindlu zakho malunga nepesenti ezingamashumi amathathu zomvuzo wakho. Kungaba nzima ukukwenza kwiindleko eziphezulu zeendawo zokuhlala. Kufuneka wenze iinjongo ezifanayo kunye nezinye iindidi.
Unokucinga ngokulandela uhlahlo lwabiwo-50/20/30 ukuba ufuna ukusebenzela ukugcina imali engaphezulu.