Jonga indlela yokuLawula iAkhawunti zakho zeBhanki xa uziqhayisa

Kuphi ukuvula iiAkhawunti, Indlela yokuCwangcisa iindleko

Ukusebenza kwakho kunenzuzo eninzi, kuquka ukubeka iiyure zakho, ukuba ngumphathi wakho, ukuba ungabi nokucela usuku okanye ixesha lokuphumula, kwaye ulawulo olupheleleyo lweshishini lakho. Nangona nayiphi na inzuzo, nangona kunjalo, ivela kumngcipheko.

Njengoko nabani na oqeshisayo abazi, inselele enkulu yokuqhuba ishishini lakho lijongana nemali. Kufanelekile ukukhathazeka, kodwa kufuneka ufumane indlela yokusingatha ezi zinto zilandelayo:

• Xa uzisebenzela wena, awunayo ikhokheji ezayo kwiiveki ezimbini. Ezinye iiveki zinokuvelisa imali engenayo okanye zifuna ukuba utyalomise kakhulu kwi shishini.
• Kufuneka uvule ii-akhawunti zebhanki, i-akhawunti kunye ne-state kunye namagunya asekuhlaleni, kwaye ulawulo lwemali yezoqoqosho (ngokuchasene nokwenza umsebenzi oyithandayo-nokuvelisa ingeniso).
• Kufuneka ulandele ingeniso kunye neendleko ngokucophelela ukuze ungaphuthelwa ukuncitshiswa kwentlawulo.
• Umqeshi wakho akayeki ukuhlawulwa kweerhafu okanye unokukunceda ukuhlawula irhafu.
• Ngokuqhelekileyo awufumani ibhonasi, kwaye ukuthatha ixesha kuthetha ukuba awuhlawulwa.

Ukulawula iimali zakho kunye neakhawunti yakho yasebhanki xa umntu oqeshwe ngumntu angaqhatha. Enoba usebenze ngokwakho kwiminyaka eyi-10 edlulileyo okanye utsha olutsha kwihlabathi lokuziqhelisa, ezi ngcebiso zingakunceda ugcine imali yakho ngokufanelekileyo.

Gcina iindleko zoshishino ezihlukileyo kwiiNkcitho zoLuntu

Unyanzelekile ukuba ube neakhawunti yokuhlola kunye ne-akhawunti yokulondoloza kwishishini lakho.

Nangona kubonakala ngathi kudidekile ekuqaleni, ukuba neakhawunti ezahlukileyo ziya kulungelelanisa iinkqubo zakho zeenkcazo kunye nokwenza lula irhafu yakho. Ngaphezu koko, kulula kakhulu ukugcina umkhondo wento ochitha ngayo kunye nento oza kuyo xa zonke iindleko zezorhwebo kunye neholo lakho lixhaswa ngokwahlukileyo kwi-akhawunti yabo.

Kuphi ukuvula iibhanki zebhanki: Iibhanki ezininzi kunye neemanyano zetyala zibonelela ngeakhawunti ezithengwa ngabanikazi boshishino abaqeshwe ngabanye. Izakhiwo zemali zale akhawunti zihlala zihluke kuneemali zee-akhawunti, uze ubuze malunga nemirhumo yeeakhawunti zoshishino, kwaye uchaze indlela oceba ngayo ukusebenzisa i-akhawunti yakho.

1. Iimanyano zeentengo zemali zengingqi zihlala zilungelo olufanelekileyo kwiinkonzo zemali ezingabizi. Lawo maziko anikezelwa ngabathengi athambekele ekujoliseni kwiimali eziphantsi kunye namazinga okukhuphisana, kodwa ezinye iinkontileka zemali-mboleko zinomlinganiselo ofanayo weebhanki njengeebhanki ezinkulu.
2. Iibhanki ezincinci zijolise kuluntu ngokufanayo kwiinkampani ezininzi zeentengo zemboleko. Ngaphezulu, banokukunceda uhlakulele ubudlelwane bendawo. Amabhanki amancinci kunye neemanyano zeentengo zemali zingabonakala zinqwenela, kodwa amaziko amaninzi anamaxhoba okwaneleyo okwenzela bonke kodwa amashishini amakhulu.
3. Iibhanki ze-intanethi zihlala zigcina amanani aphantsi kwaye zinika amaxabiso athile. Ngeke ukwazi ukwenza okuninzi kumntu , kodwa unokukwenza konke okufunekayo ukuba unako ngokwaneleyo. Inkunzi ye-One 360 ​​(yangaphambili i-ING Direct) yinto ephawulekayo yokunikezela ngebhanki kwi-intanethi kunye nokugcinwa kwee-akhawunti.
4. Iibhanki ezinkulu zifumana i-rap embi, kodwa zineenkcukacha ezikhoyo kunye nazo zonke iinkonzo ozifunayo njengoko ishishini lakho likhula. Ibhanki yase-US ibhanki enye enikela ngokukhululekile ukukhangela kwiinkampani ezincinci, kunye nezinye iibhanki zinika iakhawunti zamahhala xa ufanelekile ukuhlawula imali.

Sebenzisa iAkhawunti yokuGcina iRhafu

Ukuqhuba ishishini lakho akuthethi ukuba awuyi kuhlawula irhafu. Ngokungafani nomqeshwa ofumana umvuzo ohlawule irhafu, unama-100 ekhulwini uxanduva lokuhlawula i-federal kunye nezinye iintlawulo. Oku kunokutshatyalaliswa ukuba uchitha imali eninzi oyifakayo.

Ukuze ugweme iintlawulo kunye nezohlwayo, unokufuna ukuhlawula irhafu yekota nganye . Ukwenza lula iibhanki zakho zebhanki kwaye uncede ugcine ingeniso yakho ehleleke ngakumbi, yenza i-akhawunti yokugcina imali ngaphandle kweentlawulo. Ngokuxhomekeke kwingeniso yakho, indawo, isakhiwo seshishini, kunye nezinye izinto, mhlawumbi ufuna ukudlulisela phakathi kwe-15 ne-30 ekhulwini kwenzalo yakho kwi-akhawunti yakho yokulondoloza irhafu. Uya kuzibulela ngokwenza oku xa kufika ixesha leserhafu.

Yakha iBhajethi yeZero-Sum

Uhlahlo lwabiwo-mali luyi-bhajethi ecacileyo kakhulu engashiyi imali eseleyo ekupheleni kwenyanga.

Ngokuqwalasela ngenyameko iindleko zakho nyanga zonke, uxelela yonke imali yakho apho uya khona, ungashiyi nto yashiywa xa zonke iindleko zihlawulwe. Ukuze uqalise, dwelisa zonke iindleko zakho ezihleliweyo kwinyanga. Emva koko, landela iindleko zakho kwiinyanga ezintathu ezizayo ukuze ubone ukuba iindleko zakho eziguquguqukileyo ziyiyo (jonga iiNkcitho eziThuthiweyo kunye neziTshintshekileyo ). Fumana inombolo esebenza kuyo inyanga nganye kwaye idlulisele loo mali ukusuka kwishishini lakho ukujonga kwi-akhawunti yakho yokujonga-yiyo yakho engenayo. Nayiphi na ingeniso yoshishino elitsha ezayo liya ngqo kwi-akhawunti yakho yebhishini. Ekuqaleni kwenyanga nganye, udlulisela inani olifunayo kwakhona kwaye uqale.

Umzekelo: Unquma ukuba ixabisa i-$ 4,300 ukuhlala nganye ngenyanga kuquka neendleko ezichanekileyo neziguquguqukayo. Kuyo yonke inyanga, ishishini lakho lithatha i-$ 6,500. Ekuqaleni kwenyanga elandelayo, udlulisela i-$ 4,300 ukusuka kwishishini ekukhangela ukujonga. Uhambisa ama-25 eepesenti kwi-akhawunti yakho yokulondoloza irhafu (i-$ 1,625) kwaye usetyenzise intsalela (i-$ 575) ukuba utyalomali kwi-shishini lakho okanye ugcine umhlalaphantsi.

Sebenzisa i-Software Budgeting Software

Ukuhamba kunye nesabelomali sakho se-zero-sum, usebenzisa isofthiwe yohlahlo lwabiwo-mali kwisibini shishini lakho kunye nobomi bakho. I-Mint.com kunye ne-PersonalCapital.com zizo zombini iinkqubo ezikhululekile ezikuvumela ukuba ulandele iindleko zakho, ukudala iindidi kwimimandla eyahlukeneyo yokuchitha imali, ukulandelela umthamo wakho, ulandele i-akhawunti yakho yokutshala imali kunye nokunye. Iprojekti yohlahlo lwabiwo-mali ingakunceda ukuba ulandelele inyanga nganye kwaye uncede uqaphele imali yakho.

Ukulawula iibhanki zakho zebhanki akumele kube nzima xa uqhuba ishishini elincinci. Ngeemali zakho kunye neakhawunti yebhanki isebenza ngokufanelekileyo, uya kuba nako ukuchitha ixesha lakho kwizinto ezibaluleke kakhulu-ishishini lakho kunye nabathengi bakho.

Qaphela: U-Justin Pritchard uhlaziye eli nqaku.