Ezi zinto zityalo-mali kuba zikwenza imali kuwe ngokuhamba kwesikhathi. Banceda ukwandisa ubutyebi bakho. Imoto iyancipha ngaphezu kwexesha kwaye ixabiso lemali engaphantsi konyaka.
Kutheni Kuthile Ukuba Ungenayo Imali?
Imoto yakho inokuthi ithathwa njengempahla yokuba ungayithengisa ngemali enkulu. Oku kunokukunceda kwiimeko ezinxamisekileyo, kwaye kunokukunceda ukuba uphume ngaphandle kwemboleko. Kodwa imoto yakho ayiyilo-mali. Iyancipha ngaphezu kwexesha. Enyanisweni, ngowokuqala uninzi lweemoto zinciphisa ubuncinane ubuncinane be-$ 1500.00. Uninzi luhlahla kakhulu kunalo. Umlinganiselo wehla uyingama-2500.00. Ngaphezulu kweminyaka emihlanu yobunini imoto entsha iya kuhlawulela phakathi kwama-6,000.00 kunye ne-10,000,000.00. Le mali ayifumaneki.
Kubalulekile ukuqonda njengoko wenza ukuthenga kweemoto zakho ezingenalo utyalo-mali. Zikhulu, kwaye zihlala zifuneka ukuthenga. Kufuneka ucinge ngononophelo zonke iinketho kwaye unokufuna ukujonga indlela imodeli yakho yemoto kwaye wenze ngayo intengiso, kodwa kubalulekile ukuqaphela ukuba awuyi kubuyisa yonke imali oyenzayo ekuthengeni.
Ekubeni kukuthengwa okukhulu , kufuneka uqwalasele ngokucophelela zonke iinketho zakho. Awunakulahlekelwa yimali eninzi xa uthengisa imoto esetyenziswayo , kuba imoto ithatha ixabiso lokunciphisa ixabiso elikhulu kule minyaka emithathu yokuqala yobunini. Ukuqaphela oku kunokukunceda ukhethe phakathi kweemoto ezintsha kunye ezisetyenziswayo .
Ukongezelela, kufuneka uthathe ingqalelo kwixabiso ochithayo ukugcina imoto.
I- inshurensi yemoto yakho yindleko eyongezelelweyo. Xa wenza uphuculo ekhaya lakho, liya kunyuka ngexabiso. Nangona kunjalo, imali oyichitha ukugcina nokulungisa imoto yakho ayiyi kukhulisa ixabiso layo okanye ikuncede ukuba ibambe ixabiso layo langoku. Oku kubalulekile ukuqwalasela njengoko ufumanisa ukuba kufuneka uchithe kangakanani imoto.
Ndingakanani na ukuba ndiyisebenzise kwiCar?
Ukongezelela, kubalulekile ukuqinisekisa ukuba ukufaneleka kwazo zonke iimoto zakho kungaphantsi kwengxenye yengeniso yakho yonyaka. Ukuba ngaphezulu uchitha imali eninzi kwimoto. Ungathenga iimoto ezintle ezenza impembelelo enhle ngaphandle kokuzenza uhambe utyhobole kwinkqubo. Ukuba uvakalelwa kukuba ufuna imoto enokuzithengisa, zibuze ukuba kutheni, jonga umvuzo wakho wonyaka uze ubone oko unokukwazi ukukwenza. Ngokuqhelekileyo awuyidingi imoto leyo ukuze uqhubeke noxanduva lwakho lwangoku.
Isixa osichithayo kwimoto kufuneka sibonise imeko yakho yangoku yemali. Ukuba uqhubeka uthabathe iitaliti okanye ube nemali mboleko enkulu yabantwana, kufuneka ube nolondolozo xa uthenga imoto. Inkokhelo yemoto iya kubophelela ipesenteji yengeniso yakho kwaye yenza kube nzima kuwe ukwenza ezinye izinto ezifana nokuhlawula ityala lakho okanye ukuphatha ingxamiseko.
Ukuba uthengisa imoto enokuthengwa kakhulu, uya kuba sephambili kwimali kwaye uyakwazi ukulungisa imeko yakho
Yintoni endiyenzayo xa ndichitha kakhulu kwiMoto yam?
Kunokukhathazeka ukuba uqaphele ukuba ukuhlawula imoto yakho kukubambe ekusebenzeni izinto ozifunayo ebomini bakho. Ndibazi abantu abahlawule ngaphezulu kwintlawulo yemoto yabo yenyanga baze benza ngokuqeshisa inyanga nganye. Imali ingafakwa kwizinto ezingcono. Ukuba uvakalelwa kukuba ufuna imoto enomdla ngenxa yomsebenzi wakho, kufuneka ufumane imoto enhle ngaphandle kokuba wenze ukuba uqhekeke ngokupheleleyo. Ukuqeshisa imoto kuyafana nokuthenga imoto entsha, kodwa ngakumbi kuba awukwazi ukuthengisa xa usulungele ukufumana imoto entsha. Enye yezinto ezilungileyo kakhulu ongayenza kukusetyenzwa isikhwama sokuhlalisa imoto yakho elandelayo. Emva koko unokuqala ukuhlawula iimoto zakho ngemali.
Esi sicwangciso sinokukunceda ukuphepha ezinye zeephoso abantu abazenzayo xa bethenga imoto. Ukuba uthe wagxininiswa ngokupheleleyo yintlawulo yemoto yakho, unokufuna ukuyithengisa kwaye uthenge imoto esetyenziswayo ngemali. Uya kufuneka ugcine imali kuba abantu abaninzi bephelela ukufumana ngaphezulu kwemali mboleko kunokuba imoto iyafaneleka.