Yiyiphi Injongo Yokusindisa Kufanele Ize Kuqala?
Uyibekele imali ethile kwibhajethi yakho obeka kuyo "njenge-savings." Leyo yinyathelo lokuqala.
Kodwa unayo uluhlu olude lweenjongo zokulondoloza. Umhla wakho weshumi leminyaka uzayo. Bantwana bakho baya kwikholeji kungekudala. Ufuna ukuhlala phantsi. Udinga ukutshintsha imoto yakho.
Uzijonga njani zonke iinjongo zokulondoloza? Nazi izikhombisi ezimbalwa.
Ukucwangcisa, ukucwangcisa okucwangcisiweyo, khangela lo msebenzi wokuhlawula isabelomali.
IQumrhu lakho leNgxowa-mali eliPhambili liza kuqala
Kungakhathaliseki ukuba kubaluleke kangakanani ezinye iinjongo zakho, ukwakha ingxowa-mali yongxamiseko kufuneka ihlale iqala kuqala.
Ingxowa-mali yexakeka-mali yimali obeka bucala kwiimeko ezimbi kakhulu. Ukuba ufumana ukucinywa emsebenzini, ukuba injini yakho iphule okanye i-furnace yakho yasekhaya iqhuma, le ngxowa-mali yongxamiseko iya kulondoloza imini. Kukhuseleko lwakho lomnatha .
Abantu abaninzi benza impazamo yokucinga ukuba ikhadi labo lekhredithi kufuneka lisetyenziswe kwiimeko ezikhawulezayo. Amakhadi okuthenga ngetyala akufanele asebenziswe njengetyala lokukhusela. Ikharityhulam yamatyala ekwereta idala iingxaki; ayisombululi iingxaki.
Iingcali ziyavumelani malunga nokuba kufuneka ubeke imali engakanani ngenxa yezoxakeka, kodwa ukuvumelana kukuba kufuneka ugcine iinyanga ezi-3-6 zeendleko zokuhlala.
Ezinye iingcali zikholelwa ukuba kufuneka ulondoloze ubuninzi beendleko zenyanga ezili-9-12, ingakumbi ukuba usebenza okanye uzenze umsebenzi wakho usemngciphekweni.
Umhlala-phantsi wakho Uza kuqala
Ukulondolozwa komhlala-phantsi kufutshane nokuxhaswa neengxowa-mali eziphuthumayo njengenjongo yakho yokugcina ingundoqo.
Abazali abaninzi benza impazamo yokubeka phambili ukugcinwa kweengxowa-mali zekholeji yabantwana endaweni yokugcina umhlalaphantsi. Nangona kungokwemvelo ukufuna ukuhlawula iikholeji zezingane zakho, le yimpazamo enkulu.
Abantwana bakho bancinci; banabo ubomi babo bonke ngaphambi kokuba babuyisele imali yabo mboleko kwaye basindise umhlalaphantsi wabo. Wena - njengomzali - ungenalo le nkwenkwezi. Unomlinganiselo osondeleyo wokulungiselela umhlalaphantsi.
Khumbula: abafundi banokuthatha imali mboleko. Awunakuze uthathe 'umboleko wemali yomhlalaphantsi.'
Hlawula iikhodi zakho zeMboleko
Ukuhlawula iikhadi lakho lekredithi kubalulekile kwimpilo enemali. Ukuhlawulwa kwekhadi lokuthenga ngetyala kufuneka kube ngaphezu kwazo zonke ezinye iinjongo, ngaphandle kweengxowa-mali zakho ezingxamisekileyo kunye nomhlalaphantsi wakho.
Ukuba unetyala lekhadi lekhredithi eliphezulu, kufuneka ugcine ubuncinci be-$ 1,000 ngesandla kwisigxina esiphuthumayo kwaye ulondoloze ubuncinci inani elisisiseko kumhlalaphantsi wakho. Faka isicelo sakho sokugcina imali yakho yokubuyisela inkokhelo yekhadi lakho lesikweletu . (Ukuba awukho uhlahlo lwabiwo-mali, funda indlela yokudala ibhajethi yakho yokuqala , ukuze ulandele zonke ezi njongo.)
Ezinye iingcali azivumelani neziphakamiso ze-$ 1,000. Bathetha ukuba nabantu abanomdla wekhadi lokuthenga ngamatyala aphezulu kufuneka bagcine iinyanga ezi-3-6 zeendleko zokuhlala ngaphambi kokuba babuyiselwe amatyala abo.
Ukuba unetyala lekhadi lesikweletu, kufuneka ukhethe naluphi na olukhetho lunceda ulale ulula ebusuku. Gcina ubuncinci be-$ 1,000 kwi-fund yexakeka-mali okanye iinyanga ezili-6 zeendleko zokuhlala.
Cinga ngento enokubangela amatyala kwixesha elizayo
Emva kokuba wakha i-fund yexakeka, ugcinwe ngomhlalaphantsi kwaye uhlawule izikweletu zakho ezikhoyo , kufuneka ube yinto ephambili yokugcina kuyo nayiphi na isiganeko esinokubangela ukuba ungene kwixesha elizayo.
Khangela iminyaka engama-5-10 kwixesha elizayo ukukulindela iziganeko zonyaka-ezi-10 ezinokubangela ukuba ungene kwisikweletu ukuba awulungele. (Khumbula, i-fund yakho yexakeka ngokukhawuleza kufuneka ibe yinto yokugqibela yecala.)
Cinga ngolu hlobo:
Umzekelo weCar: Uyazi ukuba ekugqibeleni kufuneka ubeke imoto yakho. Qala ukugcina ukuze ukwazi ukuthenga imoto yakho elandelayo ngenkokhelo - kunokuba uthathe imboleko yemoto - ngokwenza njalo ngenyanga "iintlawulo zemoto" kuwe.
Masithi umkhwa wokwenza imali engama-$ 200 ngenyanga ngenyanga yakho. Xa usuqedile ukuhlawula imoto yakho, qhubeka uqhuba intlawulo yeenyanga ezingama-200 - ngaphandle kwangoku, uza kuhlawula.
Misela imali kwi-akhawunti ekhethiweyo yokugcina imali oyithengayo ngokuthenga imoto yakho elandelayo.
Umzekelo Wasekhaya: Ukuba ungumnini wezindlu, uza kufuneka ekugqibeleni ubeke uphahla lwakho, iipatethi kunye nezixhobo zakho ezinkulu njengefriji yakho, i-washer kunye nesomisi. Esikhundleni sokuxhaswa kwezi zithengi, qalisa ingxowa-mali ukuze ulondoloze ezi ndleko zange-10 .
Isikolo Isibonelo: Ukuba ucinga ukubuyela kwikolishi okanye kwisikolo esikolweni, okanye ukuba ufuna ukuthumela abantwana bakho ekolishi, qalisa ukusindisa ngoku ukuze ungabi nako ukuthatha imali mboleko . (Khumbula nje - umhlala-phantsi wakho ufika kuqala!)
Umzekelo woMtshato: Ukuba uya kukulungela ukuya ematyaleni ukuhlawula umtshato wakho, qalisa ukusindisa oko ngokukhawuleza - nokuba awuzange udibane nomntu okhethekileyo okwamanje. Zama lephepha lokusebenzela elisebenzayo elinceda ukuba ulondoloze izinto "ezimnandi".