Zikhusele kunye Nentsapho Yakho Kwiziganeko ezingalindelekanga zobomi
Uphendukela phi xa ujongene noxakeko lwezemali? Ingaba unayo imali ebekelwe bucala ukufihla iindleko ezingalindelekanga? Ngaba kukho uhlobo lwe-inshurensi kwindawo? Ngaphandle kwe-net security ye-net net, unokuzifumana kwiinkcitho zemali. Yonke loo msebenzi onzima kule minyaka ayiyi kuba yinto eninzi ukuba awunayo izithuthi endaweni ukuba uzikhusele xa kwenzeka isiganeko esiyingozi.
Yingakho kubaluleke kakhulu ukudala ukhuseleko lwakho lwezezimali ukwenzela ukukhusela oko unakho. Ingxowa-mali yokukhawuleza, inshurensi yokukhubazeka kwexesha elide, kunye ne-inshorensi yobomi inokudlala indima ebalulekileyo ekukhuseleni wena nentsapho yakho.
YeNgxowa-mali
Abacebisi ngezezimali bacebisa ukuba banokulondoloza okwaneleyo kwi-akhawunti efikeleleka kalula ukuba ihlawule iindleko zakho zokuhlala ubuncinane kwiinyanga ezintandathu xa kwenzeka ukugula, ukulahlekelwa ngumsebenzi okanye ezinye izinto eziphuculweyo. Le yimali omele uyenayo kwi-akhawunti yokulondoloza okanye enye i-akhawunti yecwecwe ongayifakela ngaphandle kwehlwayo xa kukho imeko engxamisekileyo.
Ngaphandle kweengxowa-mali ezingxamisekileyo , iinketho zakho zokuhlawula iindleko ezingalindelekanga zingapheli zihlawulwe ngekhadi lesikweletu, apho amaninzi athabatha inzala enomdla kwaye enze imeko yakho ibe nzima nakakhulu. Okubi nakakhulu, ngaphandle kwengxowa-mali engxamisekileyo, unokunyanzeliswa ukuba ungene kwimpahla yakho yomhlalaphantsi.
Oku kuphela kunokubeka ikusasa lakho lemali kwingozi.
Ukuba awuzange uqalise i-fund yakho yexakeka, ungalindi olunye usuku. Indlela efanelekileyo yokwenza oku kukudala isicwangciso sokulondoloza ngokuzenzekelayo . Xa igalelo lizenzekelayo, awuqapheli ukuba uyasindisa imali. Ngaphambi kokuba wazi ukuba unempahla enhle yemali.
Intsholongwane yokukhubazeka kwixesha elide
Ubunini bomshuwalense wexesha elide ukhubazekileyo unceda ukufaka endaweni yakho yengeniso ukuba awukwazi ukusebenza ngenxa yokugula okanye ukulimala. Abantu abaninzi bacinga ukuba le ngxelo i-luxury, kodwa kufuneka ithathelwe ingqalelo kubo abanaloo mithombo yemali abangayibamba xa kwenzeka isigulo okanye ukulimala. Nangona uneminye imithombo yezemali, ngaba ufuna ukuwasebenzisa ukuhlawula iindleko zakho zenyanga ukuba uya kukhubazeka? Ukukhubazeka kunokukhawuleza kudle kuyo yonke imali oyilondolozayo okanye kukukhokelela ukuba ungene kwiimali zakho zokuthatha umhlalaphantsi ezinokuthi zibe negalelo elikhulu phantsi kwendlela.
Zibuze lo mbuzo: ngaba unokuhlala ngaphandle kwemali yakho ngenyanga ezintathu? Iinyanga ezintandathu? Unyaka? Ukuba impendulo ayikho, ufuna inshuwalense yokukhubazeka. Abaqeshi bavame ukunika le ngxelo ngokuchithwa kwemirhumo yokuhlawulwa kweerhafu, enokuthi ihlawulwe irhafu. Unokufumana ngokukhawuleza ukufumana ukukhubazeka kwexesha elifutshane ngokusebenzisa umqeshi wethu, kodwa khangela ukuba unokhetho olongezelelweyo lokufikelela.
Inshorensi yobomi
I-inshorensi yobomi iyimfuneko ukuba unokuxhomekeke kwiintlawulo zemali ukuba uya kufa. Kufuneka kubekho ukhuseleko lwezezimali endaweni yabo abo uyithandayo. Ukuba awunayo nayiphi na imali kuxhomekeke kuyo, i-inshorensi yobomi ayimfuneko ngokupheleleyo, nangona abantu abaninzi basebenzisa i-inshorensi njengenxalenye yokucwangciswa kwezindlu zabo kunye nokuqokelela imali ngaphandle kokuxhomekeka kwabo.
Ukuba uceba ukuthenga i-inshorensi ngaphandle kwe-inshurensi yesikhokelo enikezelwa ngumqeshi wakho, kufuneka uzifundise malunga neenzuzo kunye neengxaki zekota, ubomi obupheleleyo kunye nezinye iintlobo ze-inshurensi . Ungaphinda ufune ukuthetha nomcebisi malunga nokuba ininzi yomshuwalense yanele .
Okukwintsusa
Emva kokuba usungule umgca wezemali kunye nokugcinwa kwakho kwimeko yokukhawuleza kunye nokukhubazeka kunye ne-inshorensi yobomi, ulala ngokulula ukwazi ukuba unetyala lokukhuseleka kwezemali enokuthi unokukunceda uhlale ukhuselwe kwiimeko ezinzima kakhulu.