Ukuxhaswa ngeenjongo zakho zokulondoloza? Bahlele
Kukho izizathu ezininzi zokugcina: unokufuna i-car nic, indlu enkulu, okanye i-honeymoon e-Italy. Mhlawumbi ufuna nje ukuhlawula imali yakho yemali mboleko kwaye ube nomhlala-phantsi ohloniphekileyo!
Ukulondoloza kungaphezulu kwendlela imali esele ngayo ekupheleni kwenyanga. Ingxenye ebalulekileyo yebhajethi yakho.
Ngelishwa, abaninzi abantu bayakulibala ukuquka iinjongo zabo zokulondoloza kwisabelo-mali sabo, bechitha imali yabo eyongezelelweyo endaweni yoko.
Ukuba ufuna ukuqala ukugcina nokuqhuba inkqubela kunye neenjongo zakho, lohlu lokusebenzela luza kukunceda uluhlu lweenjongo zakho, qhathanisa ezo njongo kunye nokuba ungakanani uhlahlo lwabiwo-mali olulungeleleneyo lokugcina imali, kwaye ubeka phambili izinto eziphambili kwiimali.
Yenza Uninzi Lolu xwebhu
Ungasebenzisa le fom yokwenza yedwa ukujonga iimfuno zakho, okanye ungayisebenzisa kunye namanye amaxwebhu okusebenzela uhlahlo lwabiwo-mali .
Ndiyincoma kakhulu ukusebenzisa le pheshethi kunye nephepha lohlahlo lwabiwo - mali lweengeniso kunye neemfuneko kunye nephepha lokusebenzela imali ukuze usebenzise imali .
Oku kuya kukunika umbono obanzi weemali zakho, kwaye ube ne-pulse kwizinto ezenzekayo ngemali yakho ngokwemali yokuchitha, ukugcina, kunye nokufumana kuya kunceda.
Izikhokelo Zikhokelo
Ukufumanisa ukuba ufuna ukugcina inyanga nganye ngenjongo ethile, qalela kuqala ukuba ungathanda ukugcina ingakanani. Emva koko unqume ukuba ixesha lakho lokugqibela liya kuba nini.
Hlukanisa umnqweno wakho ngenani leenyanga kude kube ngumhla wokugqibela ukucacisa ukuba ungayilondoloza bunjani inyanga nganye.
Ngokomzekelo, ukuba ufuna ukufumana i-$ 12,000 egcinwe umtshato phakathi komnyaka owodwa, kuya kufuneka ugcine i-$ 1,000 ngenyanga. (12,000 eyahlula ngeenyanga ezili-12 = 1,000.)
Ekupheleni kwenyanga, bhala phantsi ubuninzi obusindisayo, ngoko unokuwufanisa neenjongo zakho.
Iinjongo zeXesha elifutshane / eliKhuselekileyo
Oku kulondolozo olufunekayo ukuthembela xa kuvela iingxamiseko zobomi.
| INJONGO YONYAKA | YENYAKA |
| Ukulungisa imoto / ukulungiswa | |
| Ukulungiswa ekhaya / ukugcinwa | |
| Ukugula okanye Ingozi | |
| Kwimeko yoLungiso | |
| Umkhumbi wokukhusela i-Overdrafts | |
| YONKE |
Iinjongo eziphakathi kwexesha kunye neeNjongo ezingxamisekileyo
Ezi njongo ziphantsi kwexesha elilodwa ukuya kwimizuzu eyi-10.
| INJONGO YONYAKA | YENYAKA |
| Umtshato | |
| Ukuthengwa Kwezimoto | |
| Ikhefu | |
| LeMfundo | |
| Ukulungiswa Kwekhaya | |
| Ubeka imali phantsi | |
| Izipho zeeholide | |
| Iziko. # 1 | |
| Iziko. # 2 | |
| YONKE |
Iinjongo zexesha elide
Kwabanye abantu, ezi njongo zinokuba nexesha elingaphezulu kweminyaka eyi-10, nangona oko akusiyo yonke into. Lungisa ezi njongo kwinqanaba lexesha elide njengoko kufuneka.
| INJONGO YONYAKA | YENYAKA |
| Umhlalaphantsi | |
| Ukuthenga ikhaya lesibini | |
| Iziko. # 1 | |
| Iziko. # 2 | |
| YONKE |
Yongeza amaxabiso akho, uze uyilinganise kunye nemali okwazi ukuyigcina. Unokufumana le nombolo ngokugcwalisa i- income sheet kunye neemfuno zephepha lokusebenzela .
Ukuba iinjongo zakho zixabisa ngaphezu kwexabiso onokuyigcina, unokukhetha ezintathu:
- Sika imali yakho
- Ukunciphisa inani leenjongo zakho
- Ukwandisa umhla wokugqibela weenjongo zakho
Ukuba izinga lakho lokulondoloza lidlula iinjongo zakho, vuyisana! Cinga ukongeza umgomo omtsha okanye ukonga ngaphezulu ukukhawuleza inkqubela yakho kwiinjongo zakho zangoku.
Indlela yokuLawula imali yakho
Enye yeendlela ezilula ukulawula ukonga kwakho kukuseka inkqubo yokurhoxisa ngokuzenzekelayo .
Iibhanki ezininzi, ngokukodwa ibhanki ye-intanethi, ikuvumela ukuba ube neengxelo ezininzi zokugcina imali. Ukuba akusiyo imeko kwibhanki yakho, okanye ukuba kuyisisulu sokumisa, jonga kwezinye iibhanki ezi khetho. Ufuna ukwenza ukonga njengoko kulula.
Hlela i-akhawunti yokugcina imali ezininzi kwiinjongo zakho. Umzekelo, unokufumana i-akhawunti yomtshato, i-akhawunti yokuhlawula, i-akhawunti yokulungisa imoto, njl.
Xa ezi akhawunti zifakiwe, uzakufuna ukudibanisa iakhawunti yakho yokukhangela. Ukuba ezi akhawunti zizo zonke iibhanki enye, akuyi ku funeka wenze oku, kodwa ukuba i-akhawunti yakho yokugcina imali i-bhanki eyahlukileyo, uya kuthi. Ngokuqhelekileyo uya kucelwa ukuba wenze oku ngelixa ulungiselela ukuthunyelwa ngokuzenzekelayo.
Emva kokuba yonke into isetyenzisiweyo, sebenzisa amanani ukusuka kwiphepha lokusebenzela ukuqinisekisa ukuba uninzi kangakanani imali ekufuneka uyenzele yona kwi-akhawunti nganye. Ngoko ukuba ufuna ukugcina i-$ 1,000 ngomtshato wakho nyanga nganye, misela ukutshintshela ngokuzenzekelayo ukusuka kukutshekisha kwikhredithi yomtshato wakho kwi-$ 1,000 ngenyanga.
Ukuba unokuba ukhethe ukwahlula ukonga, unokukwenza oko, nawe. Uninzi lweebhanki luza kukuvumela ukuba wenze ngeveki, ngeveki nganye, ngeenyanga ezimbini okanye ngenyanga.
Yenza oku kuzo zonke i-akhawunti yakho yokugcina imali ukuze ube negalelo ngokuzenzekelayo kubo. Emva koko, hlala kwaye ugcine!