Iingcebiso zokuhlala phambi kwezi bhili zexesha elilodwa elinzima
Iindleko zangexesha elilodwa zingaba lukhuni kubhajethi. Uninzi lwexesha, bavame ukuhlahlela. Unakho ukukhumbula ixesha apho iindleko zexesha elilodwa zenza ukuba udibanise kwi-savings. Mhlawumbi kwakungenwe ukwanda okungalindelekanga kwinkokhelo yakho yomshuwalense okanye uphahla lwakho lufuna ukulungiswa.
Nangona kungabonakali ngathi unokuhlawula iindleko zexesha elilodwa, iindaba ezilungileyo kukuba unako. Indlela yokwahlula kunye nokuwunqoba ibhetele.
Gxininisa kwiintlobo zentathu zezona zindleko zangexesha elilodwa: iindleko zexesha eliqhelekileyo zonyaka, i-oh-so-frustrating costtime times that are unexpectedly, kunye nokukhawuleza okwenzekayo.
Iindleko zangexesha
Unokwenza uhlahlo lwabiwo-mali ngezinye iindleko, njengokuba imoto yakho ishushu okanye i-computer yakho yokuphazamiseka, ngokudala imali ekhethekileyo ejoliswe ngqo ngokugcinwa. Nika imali encinane kwinyanga nganye kwii-akhawunti ezilondoloziweyo ezibekelwe bucala.
Umzekelo: yenze i-fund eyodwa echazwe "ukulungiswa kwendlu." Umgaqo omhle wesityhubela kukunikela ipesenti yexabiso lakho lasekhaya kwinkunzi ngonyaka. Ngokomzekelo, ukuba ikhaya lakho libiza i-$ 200,000, linike i-$ 2,000 ngonyaka, okanye i-$ 166 ngenyanga, kule ngxowa-mali.
Emva koko, yenze i-fund echazwe "yokulungisa imoto." Unokukhetha ukunikela i-$ 600 ngonyaka, okanye i-$ 50 ngenyanga, kuxhomekeke kwiminyaka emininzi imoto yakho kwaye kaninzi kangakanani iyancipha.
Iibhanki ze-intanethi njenge-SmartyPig zikuvumela ukuba wenze ama-akhawunti agciniweyo amaninzi ukuba unakho "isiteketiso," okanye u-markmark, kwicandelo ngalinye.
Injongo yakho kufuneka ibe neengxelo ezilondoloziweyo zeakhawunti ezinkulu ngokwaneleyo ukugubungela ezi ndleko zokulungisa nokugcinwa kwamanye amaxesha. Kucacile ukuba, ukuba ukulungiswa kweemoto ezinkulu kuphuma ngexesha lokwakha ibhalansi ye-akhawunti, unokufuna ukutsala imali kwiakhawunti yakho yokulungisa ikhaya ukuze uhlawule iindleko.
Iindleko zonyaka
Ukuhlawula iindleko zonyaka, njengezipho zeeholide kunye neerhafu zepropati, zibeke eceleni inani elincinane ngenyanga kwaye unike imali ukuze uhlawulele ezi ndleko.
Qala ngokukhangela kwiirekhodi zakho ukuze ubone ukuba ungakanani imali ochithe kunyaka owedlule. Hlukanisa esi sibalo ngo-12 uze ubeke eceleni loo mali ngenyanga. Iifayile zokusebenzela ezihlawulelwayo ziyincedo ekuncedeni ukuba ungakanani okuza kuyimfuneko.
Uxinzelelo Lwenyaniso
Ingxamiseko engxamisekileyo iyisiganeko esisisigxina sokuphila njengento yokulahlekelwa ngumsebenzi okanye ingozi yecala yemoto eyenza iindleko ezininzi zonyango ngaphandle. Oku kwahluke "kwindleko zangexesha elifanayo" njengento yokulungisa imoto, eyenzeka ngokuphindaphindiweyo ngokwaneleyo ukuba kuqikelelwe.
Yakha i-fund enkulu ngokwaneleyo ukufikelela kwiinyanga ezintathu ukuya ezintandathu zeendleko zakho zokuhlala, eziza kunceda kakhulu xa ulahlekelwa ngumsebenzi wakho. Injongo yenkxaso-mali ehlanganisa iinyanga ezintandathu ukuya kweziyisithoba zeendleko zokuhlala ukuba uhlala phantsi okanye unenzuzo engafanelekanga. Ngenxa yeziganeko zentsimbi, njengengozi yemoto, zama ukwenza i-fund ehlanganisa ezimbini kwiinyanga ezine zeendleko zokuphila xa ungeke usebenze.