Ukuhlengahlengisa Imbono Yakho "Iindleko ezingalindelekanga" Unokukunceda Ucwangcise
Yinyani leyo. Kodwa yintoni na, ngokwenene, iindleko ezingalindelekanga?
Nantsi oku akuthi:
Akukhiphi kwakhona iiBhili zoNyaka
I-bill yakho yerhafu yepropati, i-inshurensi yemoto yomshuwalense, i-premium yomshuwalense wentsholongwane, ukuhlolwa kweeklasi kunye nezinye iindleko zonyaka ungazilindelekanga. Ngokuphambene noko, unokulindela ngokupheleleyo ukuhlawula le mihla-mali rhoqo ngonyaka okanye ngonyaka.
Uhlahlo lwabiwo lwabiwo ngokubeka eceleni isamba esicwangcisiweyo nganye ngeveki okanye ngenyanga. Ukuba irhafu yakho yepropati i-$ 5,200 ngonyaka, umzekelo, cwangcisa i-$ 1,000 ngeveki. Ukuba i-eyeglass yokuhlolwa kunye neendleko zokutshintsha i-lens ibiza i-$ 300 ngonyaka, gcina i-$ 25 ngenyanga. Ezi akuzona iintlobo zeendleko ezifunekayo kwi-fund yakho yengxowa-mali.
Akusiyo Ukugcinwa Kwangasese okanye Ukulungiswa
Ngaba uphahla lwakho luhamba? Ngaba i-dishwasher yakho yaphuka? Ngaba kufuneka uhlawule i-inshurensi yempilo yengxowa-mali eyi-1 000?
Uninzi lwabantu luya kubiza ngeendleko ezingalindelekanga. Kodwa ezinye iingcali zezemali zazingavumelani.
Iindleko zonyango, iindleko zeemoto, kunye neendleko zekhaya akulindelekanga - ubuncinane akufaneleki, "utshilo uLiz Weston, umgcini wekhompiyutha we-MSN Money kunye nomlobi wencwadi ethi Imithetho eyi-10 yeMali. "Ukuba unomzimba, imoto okanye ikhaya, kungekudala okanye kamva kuya kukubiza."
Oko kuthetha ukuba uhlahlo lwabiwo-mali lufanele lubandakanye uqikelelo lwendlela oza kuchitha ngayo kwiindleko eziguquguqukayo ezifana nekhaya, imoto nemicimbi yezempilo.
Ngokomzekelo, omnye umgaqo omhle wezontathu kukuba i-1 ekhulwini leendleko zekhaya kufuneka ibeke eceleni ngamnye ukulungiswa kwendlu nokulondolozwa . Ukuba uhlala kwikhaya lama-250,000, kufuneka ugcine i-$ 2,500 ngonyaka okanye i-$ 208 ngenyanga.
Awuyi kuchitha i-$ 2,500 ngonyaka. Kweminye iminyaka uya kuchitha i-$ 100 okanye i-$ 200 kwisondlo esisiseko, njengokucoca ama-gutters .
Kodwa eminye iminyaka uya kuchitha i-$ 7,000 endaweni yephahla. Ulawulo lwepesenti ye-1 lujoliswe ukuba lube ngumyinge wexesha elide, kwaye unako uhlahlo lwabiwo-mali kwiintlobo zeendleko ngokubeka eceleni i-$ 208 ngenyanga ngenyanga "kwingxowa yokulungiswa kwendlu nokondla".
Kuyafana neenqwelo zemoto kunye nezempilo. Unokukhetha ukubeka eceleni i-$ 600 ngonyaka, okanye i-$ 50 ngenyanga, ukulungiswa kwemoto. Kwiminyaka ethile uya kuchitha i $ 0. Eminye iminyaka, uya kufuna ukufumana ifowuni engaphezulu kwama-4,000 ukuya kutshintshwa ukuhambisa. Uhlahlo lwabiwo-mali unyaka ngamnye ukuba "uphume ngaphandle" le mihla .
Ngokufanayo, kuya kufuneka ubeke eceleni imali nganye ngenyanga ukuze uhlawule iindleko, uhlawule ngokusemthethweni, imiyalelo kunye nezinye iindleko zonyango ngaphandle. Isixa osibekela bucala sifanele sihambelane nexabiso elidityanisiweyo kunye neendleko eziphezulu ezingaphandle kweefowuni kwisicwangciso sakho sezempilo.
Ngokomzekelo, masithi isicwangciso sakho sezempilo sine-$ 1,200 efunyenwe ngonyaka kwaye i-$ 5,000 yonyaka ephuma ngaphandle kwe-pocket. Ukuba unempilo kwaye ungatyeleli ugqirha, unokwenza isigqibo sokubeka eceleni i-$ 100 ngenyanga, okanye i-$ 1,200 ngonyaka, kwi-akhawunti yokulondoloza impilo. Ukuba ucinga ukuba unokudinga ukwanda koogqirha rhoqo, ungakhetha ukubeka eceleni i-$ 416 ngenyanga, okanye i-$ 5,000 ngonyaka (i-full-out-of-pocket maximum).
Ngoko Yintoni Eyona nto ingalindelekanga?
I-fund yakho engxamisekileyo kufuneka isetyenziswe kwiindleko eziwela ngaphandle kweendidi ze "bills zonyaka" ezifana nentlawulo yepropati , i-optometry kunye ne-inshurensi yemoto. Kufuneka kwakhona kusetyenziswe ukuhlawula iibill ezingaphandle kwe-homeview yokugcinwa kwemoto kunye nokulungiswa kwemoto kunye neemeko eziqhelekileyo zempilo.
Iindleko ezingenakulindelekanga zibangelwa ziziganeko ezifana nokulahlekelwa ngumsebenzi wakho okanye ukuhlaselwa ngumthetho osisigxina, ongekho-oqhelekileyo wezempilo echaphazelekayo.
Hlaziya umvo wakho "weebhilidi ezingalindelekanga" ukuba zibandakanye ezi ziganeko zexesha elizeleyo, kunokuba kwenziwe imisebenzi eqhelekileyo. Bese uhlalutye uhlahlo lwabiwo-mali ngokufanelekileyo