Ukukwazi ukugcina imali yintloko yamatye yokwakha ubutyebi. Kwakhona kubalulekile kwimeko yokhuseleko lomntu. Izibalo zilula: ukuze ugcine imali, kufuneka uchithe ngaphantsi kokufumana. Nangona kunjalo, oku kudla ngokulula kunokuba kwenziwe, ngokukodwa xa kufuneka ulahle okanye ubeke izinto ozifunayo. Kodwa, ukuba uyayikhumbula, kukho iindlela ezininzi zokuqalisa ukugcina imali nantoni na yobudala okanye inqanaba lakho lemali.
01 Ukubaluleka kweNgxowa-mali engxamisekileyo
Ngokomlando, ifom ye-akhawunti engxamisekileyo yanele ngokwaneleyo ngemali ukufikelela kwiinyanga ezintathu ukuya ezintandathu zeendleko zokuhlala. Kwaye, xa ubala iindleko zakho, qiniseka ukuba uqwalasele iindleko ezizinzileyo kunye neziguquguqukileyo ukuze wazi kakuhle kangakanani ukubeka eceleni.
02 Kuphi ukugcina i-Savings yakho
Xa usugqibile ekubeni ugcine imali ethile, umbuzo olandelayo omele uzibuze wona apho ufanele uwugcine khona. Ukusuka ekufakeni imali ehleliweyo kwi-akhawunti yokugcina imali kwiibhanki zasekuhlaleni kuzo izatifikethi zediphozithi (ezinokubakho ixesha elivela kuyo ukusuka kwiinyanga ezintathu ukuya kwiminyaka emihlanu) kufuneka uqikelele zonke iinketho zakho ezifumanekayo ukuze ufumane okulungileyo kuwe .
03 Yenza Ukugcina ngokuzenzekelayo
Ngenxa yeendleko ezininzi, iindleko, kunye neendleko zemihla yokunyamekela, ukugcina imali kunokubonakala ngathi akunakwenzeka. Enye yezona ndlela ezilungileyo zokuhamba malunga nale conundrum (kwaye ungena kumkhwa wokugcina imali) kukudala isicwangciso sokulondoloza ngokuzenzekelayo. Ukumisela ngokuzenzekelayo ukudluliselwa ngqo kwi-akhawunti yakho yokujonga kwi-akhawunti yakho yokulondoloza kuthatha yonke into yokucinga (kunye nesilingo sokuchitha) ngaphandle kwezandla zakho.
04 Ukwahlukana phakathi ko-APR kunye ne-APY
Xa usindisa imali, enye yezinto eziphambili omele ukuyiqwalasela yimalini yemali yakho eyakufumana yona. Usebenze kanzima ngemali yakho, ngoko ngoku imali yakho ifuna ukusebenza nzima kuwe. Amibini emimiselo eqhelekileyo esetyenziselwa ukuxoxa ngamanani omyinge yi-APR kunye ne-APY, kwaye njengomgcini okhuseleyo, kufuneka ukwazi ukumahluko phakathi kwezi zibini.
05 Sika Ukuchitha Ukuvuza
Nangona ugcina imali, unokuhlala ufumana iindlela zokugcina ngaphezulu. Ngamanye amaxesha kukho nje izinto ezincinci ezongezayo kunye nendlela engcono yokulinganisa oko kukubuza yonke into oyithengayo. Uninzi lwabantu abanengqiqo (abangayiqondi) abathengi. Ngokomzekelo, ungasetyenziselwa ukufumana i-$ 7 latte rhoqo ekuseni kusendleleni eya emsebenzini kodwa ngaba ufuna ngempela i-latte $ 7? Umthetho omhle wesityhuso kukuba ukuba akusiyo imfuneko (njengokutya, indawo yokuhlala, kunye nezambatho) kwaye akukuvuyisi okanye kukuncedise, usike kwisabelo-mali sakho. Fumana ukuba uchitha ukuchitha kwemali kwaye ufunde indlela yokunciphisa ezo ndleko ukuze ugcine imali eninzi.