Uninzi olunjani lokugcina ukuhlola
Ukuhlola i-akhawunti akukwaziwa ngokuthwala inzala ephezulu. Iibhanki ezibonelela ngokukhawuleza ukuba zikhangele ii-akhawunti zihlala zibonelela ngeenqanaba ezinomyinge onomyinge kunye neeninzi zeebhokhwe zokungena kuzo ukuze zibone ixabiso elipheleleyo.
Ngoko umgomo wakho ngeakhawunti yokutshekisha akufanele kube yinto yokunyusa umdla, yindawo nje engcono yokugcina imali yakho ngaphantsi kwe-mateti.
Injongo yakho kunye ne-akhawunti yokujonga kufuneka ugcine ngokwaneleyo ukuhlawula iindleko zenyanga, unokufumana okunye ukufikelela xa ufuna imali kunye ne-buffer ukuze ugweme ukukhutshwa kwe-overdrafts. Yonke into kufuneka igcinwe ngokukhuselekileyo ekulondolozeni i-akhawunti yakho yokukhawuleza ingakhawuleza ibe yindawo ebuthathaka.
Iikrook zisebenzisa abadlali kwi-ATM, kwizikhululo zegesi kunye neevenkile ezinjengeThagethi ukuntshontsha ulwazi kwiakhadi yokukhawuleza kwaye udibanise i-akhawunti yakho. Ukunyuka kweentlupheko ezinkulu zeenkcukacha kwiminyaka embalwa edlulileyo kufuneka kukuqaphele ukusebenzisa amakhadi okudada ngokubanzi. Kodwa ukuba uzibophezele ukutshixa ikhadi yebhanki kunokuba ube nekhadi lesikweletu, kufuneka ugcine imali esamkelekileyo encinane kwimigangatho yakho yokuchitha kwi-akhawunti yokujonga.
I-hacker ingenza i-retile kwi-akhawunti ngokukhawuleza xa ifumana ulwazi lwakho.
Kungcono ukunciphisa umonakalo obunako ngokugcina uninzi lweempahla zakho zamanzi ngokulondoloza nokuhlala uzikhusele ngokukhusela imali yakho.
Isicwangciso sokukhusela imali yakho ekuhloleni
Nazi iindlela ezilula ezi-5 zokunciphisa umngcipheko we-akhawunti yakho yokukhangela ekhutshwe:
- Sebenzisa ikhadi lakho lekredithi ngokuthenga uninzi. Amakhadi okuthenga ngetyala anokukhusela okungcono kwaye angamniki isela ukufikelela ngqo kwimali yakho.
- Sebenzisa kuphela ii-ATM ngaphakathi kwebhanki.
- Gubungula isandla sakho xa ufaka kwi-pin ehambelana nekhadi lakho lokubambisa. Hackers zivame ukubeka ikhamera kwi-ATM ezonakele ukuze uthole ulwazi lwephini lakho.
- Hlela izilumkiso zesicatshulwa kwiibhalansi zeakhawunti yakho kunye nokuthengiselana.
- Qonda umgaqo-mali webhanki yakho ehambelana neakhawunti yokujonga.
Ingakanani Yokugcina Kwi-Savings
Kukho iintsuku ezizukileyo zeakhawunti yokugcina imali. Namhlanje, nayiphi na into esenyakatho yepesenti enye yintsebenziswano enhle yabathengi. Iibhanki ze-intanethi kuphela zibonelela ngexabiso eliphezulu le-1% okanye ngaphezulu ngeli xesha iibhanki zendalo zetena nezitya zihlala malunga neepesenti ezingama-0.01. Ngama-$ 10,000 ekulondolozeni, ngabahluko phakathi kokufumana i-$ 100 ne-$ 1.
Nangona u-99 wemali ehlukeneyo ibalulekile kwaye ukugcinwa kufuneka kugcinwe kwi-akhawunti ephezulu yezinga lentengo, awufanelekile ukuhlala kwiinyanga ezili-6 ukuya kwezi-9 zokuphila kweendleko zokugcina imali. Oku kufuneka kubandakanye imali yokuhlawula irente okanye iintlawulo zempahla, izibonelelo, iifowuni, iindleko zokuthutha kunye neendleko zokutya.
Kuyimfuneko yokuba imali ibe nokufikelela lula kwi- fund yexakeka engxamisekileyo egcinwe kwinqwelo engekho yingozi. Kodwa kubalulekile ukuba ungangeni kumkhwa wokubeka imali kwi-akhawunti yokulondoloza ngenxa yokuba ukwesaba ukutyalomali.
Ekugqibeleni, imali yakho iya kuqala ukulahlekelwa yintengo kwixabiso lentengo xa ihlala ingqongqo ekugcineni.
Kukho okungafaniyo: ukuba ulondoloza imali yokuhlawula ekhaya, unokufuna ukugcina ubuninzi balo kwimarike ukuphepha umngcipheko.
Kuye kwenye indlela yokubeka imali
Emva kokuba uthintele iinyanga ezilisithandathu ukuya kwezi-9 zenkxaso-mali yongxamiseko, ungaqala ukudibana nokubeka imali yakho kwimali-mali. Kufuneka uqhagamshelane neengcali zezezimali kwaye uzifundise phambi kokuba wenze utyalo-mali. Kufuneka uhlolisise ukunyamezela kwakho.
Abaqalayo bangaqalisa ukutyalomali ngaphandle kokukhetha i-stock kodwa kunoko ngokuvula ingxowa-mali, ingxowa-mali okanye i-fund-exchangeed fund (ETF) ngeenkampani ezincinci zokutsalwa kweentlawulo ezifana neVanguard, Ukunyaniseka, kunye noNgcono.
Qiniseka ukuba nayiphi na imali otyalomaliyo ayiyi kufuneka ukuba ifumaneke kwimeko yongxamiseko yezemali kwaye unayo i-liquid eyaneleyo yokugubungela iimangalo ezingalindelekanga zobomi.