Uhlahlo lwabiwo-mali lunamandla kunokuba ucinge
Ingaba kuqinisekisa ukuba awuchithe imali eninzi kwizicathulo ngokubhekiselele kokutya kwekati kumaphepha angasese? Akunjalongo noko.
Ingongoma yohlahlo lwabiwo-mali kukuqinisekisa ukuba ekupheleni kwenyanga, usenayo imali.
INgqinisiso yoBume-mali
Injongo yohlahlo lwabiwo-mali, ngamanye amagama, kukuqinisekisa ukuba uhlala ngaphantsi kweendlela zakho, kunokuhlala kwindawo okanye ngaphezu kweendlela zakho.
Abanye abantu basebenzisa uhlahlo lwabiwo-mali njengesixhobo sokuqinisekisa ukuba abahlali kwisihlawu sokuhlawula ukuhlawula .
Enyanisweni, ndiyazi abantu abangazange baqaphele ukuba bahlala ngokuhlawula imali ukuze bahlawule baze bavelise uhlahlo lwabiwo-mali.
Indlela Uhlahlo lwabiwo-mali lunokunceda ngayo
Omnye wabahlobo bam abalungileyo basebenzisa ukuhambisa imali kwi-akhawunti yakhe yokulondoloza ekuqaleni kwenyanga nganye. Wayezibamba ngasemva, ecinga ukuba ubeka imali.
Ekupheleni kwenyanga, ukuze ahlawule iibhokhwe zakhe, wayedlulisela imali kwi-akhawunti yakhe yokujonga. I-akhawunti yakhe yokulondoloza ayizange ikhule - wayedlala umdlalo wokudlulisa.
Wazikhohlisa ekucingeni ukuba uyasindisa. Akazange ayiqonde le nyaniso de kube yenze uhlahlo lwabiwo-mali kwaye waqalisa ukulandelela iindleko zakhe .
Ukuqwalasela umthamo wakhe, uthi, naye wamnceda ukuba aqaphele imiphumo yempahla yakhe.
Musa ukuba ngumhlobo wam. (Okanye, ukuba usufana naye, yenza njengobutsha bakhe, uguquke ngokwabo.) Ukuba ekupheleni kwenyanga uphula kunye kwaye awunayo i-margin of error left, uhlala isheke elilandelayo, kwaye akusiyo isikhundla ofuna ukuba ungene kuyo.
ZoBuchule
Uhlahlo lwabiwo-mali lusetyenziso esinye esinokukukhupha kuso. Ukuthetha ngokukhawuleza, uhlahlo lwabiwo-mali olucacileyo aluyimfuneko.
Ukuba uthetha nje ukugcina imali yakho yokuqala uze uzinikele ekuhlaleni kwimali yakho yonke, ufezekisa injongo yohlahlo lwabiwo-mali. Uhlala phantsi kweendlela zakho kunye nokugcina ipesenteji enempilo yengeniso yakho.
Awudingi ukulandelela okanye ukunyamekela malunga nokuba ungakanani imali ochithayo kwiindawo zokutya ngokubhekiselele kwiimpahla, ngakumbi ukuba sele sele ukhululekile kwaye ugcine inxalenye ebalulekileyo yehlawula.
Ubungakanani Okufanele Uwugcine?
Ngona ubuncinci, ndikholelwa ukuba wonke umntu kufuneka alondoloze okungenani iipesenti ezingama-20 yengeniso yabo. Ukwahlula njengama-10 ukuya kuma-15 ekhulwini kwi-akhawunti yomhlalaphantsi, kunye neepesenti ezi-5 ukuya kwi-10 kwezinye iinjongo zokugcina.
Ipesenti ezingama-20 ziphela nje. Akukho nzakalo ekulondolozeni ngaphezulu , kwaye kukho intshukumo ekhulayo yabantu abaphakamisa imbono yokugcina isigamu.
Uhlahlo lwabiwo-mali oluqulathe inkcazo luyisisitye esisinceda ukuba ufike khona. Asiyisisombululo kwiingxaki zakho; yindlela nje ongayisebenzisa ukukunceda ugcine ngaphezulu.
Iintlobo ezahlukeneyo zokuSindisa
Ngendlela, xa ndithetha ngokulondolozwa, ndibhekisele kuyo nayiphi na into ekugqibeleni ikhulisa umthamo wakho. Andiyithandi nje ukuba uthetha imali engena kuyo kwi- akhawunti yokulondoloza .
Ndibhekisela ngokubanzi kwimali ongayifaka kwiakhawunti yomhlala-phantsi, i- akhawunti yokulondoloza impilo , i-akhawunti yenkcitho ephathekayo, okanye ongayisebenzisa njengentlawulo eyongezelelweyo kwi-matyala.
Ngokomzekelo, yithi imali yakho yokuthenga imali i-$ 1,500 ngenyanga, kodwa uhlawula i-$ 2,000 ngenyanga.
Oko kubonisa i-$ 500 eyongezelelweyo njengenkokhelo eyongezelelweyo yentlawulo, ngoko ke i-$ 500 ibalwa njengokulondolozwa.
Ngokuqinisekileyo, akulondolozi ngokoqobo kwi-akhawunti yebhanki, kodwa yimali ekhuthaza ngokuthe ngqo ukuhlawula kwakho. Kugcinwe nantoni na.