Inzala eninzi yenza imali yakho isebenze nzima kuwe. Eli phepha libonisa indlela umsebenzi onomdla kunye nokuba kutheni ukubaluleka ukuqala ukugcina ngokukhawuleza. Uza kubona umzekelo ngemifanekiso, kwaye sinika i-calculator interest interest calculator.
Injongo yenzalo yenkomfa kukuba imali yakho isebenzele nzima . Eyona ndlela, ngokuqinisekileyo, ukusebenzela nzima ngemali yakho. Ungakhetha ntoni?
Umntu oboniswe ngasentla unedola yakhe yokusebenzela. Oku akuyona ingcinga entsha. Enyanisweni, unokufumana iziganeko zembali ukuze uvelise inzala evela emhlabeni jikelele.
Inyathelo ebalulekileyo ekusebenziseni inzala ecwangcisiweyo kukuba uqale ukugcina . Awunayo ukugcina ezininzi - gcina kuphela oko unokukwazi. Inzala enomdla iya kwenza wonke umsebenzi kuwe.
Kubalulekile ukufumana isantya sokukhuphisana (okanye i- APY ) ngenjongo yokwenza umdla. Awudingi ukufumana umgangatho ophezulu kwi-planethi, kodwa kufuneka ufumane inqanaba lokukhuphisana. Indawo efanelekileyo yokufumana amaxabiso kunye neakhawunti kwiphepha lethu lebhanki kwi-intanethi .
Ukuba ufuna ukunqumla umzekelo uze ubone oko ukugcina kwakho kuya kuvelisa, sebenzisa amanani kwi -calculator interest interest . Yonke le mzekelo eneemifanekiso, funda.
01 Fumana inzala kwi-Savings yakho
Ngenxa yokuba imali yakho i-akhawunti ngezinga lokukhuphisana, uza kufumana intlawulo yenzalo kwi-deposit yakho yokuqala. Ngasentla, uya kubona ukuba idiphozithi (imali esecaleni) ifumana inzala (imali ephantsi).
Ukubona indlela inzala ibalwa ngayo kweli nqanaba, funda iphepha malunga nomdla olula .
02 Fumana inzala kwiNzala yakho
Makhe sicinge ukuba ibhanki yakho ihlawula inzala inyanga zonke. Xa inyanga nganye ihamba, uya kufumana inzala kuyo yonke into kwi-akhawunti yakho. Okubaluleke kakhulu, uya kufumana inzala kwimali yentlawulo yangaphambili .
Ungakhohlwa ukuba idiphozithi yakho yokuqala iya kufumana inzala inyanga nganye. Ifumana inzala ngokuphindaphindiweyo. Intlawulo yesibini yomdla ibonakaliswe ngokuluhlaza.
Ndiyathemba ukuba uqala ukubona amandla enkqutyana.
03 Fumana Intshisekelo Eninzi Ngomdla Wakho
Mhlawumbi akumangalisi ukubona oku. Intlawulo yakho yomdla iya kuqhubeka ukufumana inzala eninzi. Ngaphezu koko, idiphozithi yokuqala iya kukhawulela umjikelezo kwixesha elininzi .
Qaphela ukuba ungathatha imali ngaphandle kweakhawunti yakho kwaye uyisebenzise. Nangona kunjalo, uya kulahleka ngokugqithiseleyo. Makhe sibone oko kwenzekayo xa ushiya yonke into kwi-akhawunti.
04 Ubuqili bokuQinisa
Ngokushiya imali yakho kwi-akhawunti ekhulayo, uphela ngomvuzo omhle.
Kulula kakhulu ukwenza oku, kufuneka ufumane imali kwi-akhawunti kwaye ugcine khona. Emva koko, makhele umdla wenza into yayo.
Inomdla inomdla kukuba uAlbert Einstein ubhekisele kuyo ngokuthi " umlingo " waza wabiza ngokuthi " Inamandla kunawo wonke kwindalo yonke ". Khumbula, lo wayeyindoda eyayazi into okanye ezimbini malunga nemimoya yendalo yonke.