Nangona abaninzi abantu bexhala malunga nokugcinwa kwexesha loxinzelelo kunye nokuziyeka, ngaba kukho into engaphezulu kwezimali?
Ngaba kubulumko ukuba ube nemali ebalulekileyo yemali ehlezi ngeenxa zonke xa kunokukwenza izinto ezinkulu, ezimbi?
Ukuba Unobunzima Kangakanani KwiNgxowa-mali Yongxamiseko Ingakulimaza
Ulahlekelwa Imali
Ekubeni iimali eziphuculweyo kufuneka zifikeleleke, indawo efanelekileyo yokuyigcina kwi-akhawunti yokulondoloza kwibhanki yakho okanye inkontileka yekhredithi, okanye kunye nebhanki ye-intanethi , apho ingafumana inzala ephezulu ngaphezu kweziko lezitena kunye ne-mortar.
Kodwa nangona ekupheleni "okuphakamileyo", imali yakho ihlala ifumana iipesenti ezi-1 ngonyaka. Ingxowa yakho yexakeka, kungakhathaliseki ukuba uyilondolozile phi , ayiyikukhupha umthamo wemali , ngoko ulahlekelwa yimali. Ukuba nokuningi kunokuba udinga ukwandisa ilahleko zakho.
Ulahlekelwa Ngaphandle Kwemali Ezinye Iinjongo zeMali
Ukuba unemali eninzi ebophelelwe kwingxowa-mali yakho yokukhawuleza , ngoko ulahlekelwa ngamathuba okunyamekela ezinye iimali ezibalulekileyo "zokwenza" njengegalelo lokuthatha umhlalaphantsi, ukuhlawula ityala, okanye ukugcina inkokhelo yokuhlawula ekhaya .
Imali yakho iya kusetyenziselwa ukufezekisa enye yezo njongo kunokugqithisa ukugcinwa kwakho kwimeko engxamisekileyo. Kutheni ukugcina okungaphezulu koko kuyimfuneko kwizinto eziphambili zebhokisi lecookie, xa unokuhlawula ityala lekhredithi yamatyala ephezulu ?
Ukufumana umgca phakathi kokunene nokukhulu kakhulu
Cinga ngento ekhuthazwayo
Ngokuqhelekileyo kucetyiswa ukuba ulondoloze kwindawo ethile phakathi kweenyanga ezintathu ukuya kweyesithandathu zeendleko kwi-fund yakho engxamisekileyo.
Ezinye iingcali zincoma njengama-dollar ambalwa ukuba uqale nge-"fund fund ephuthumayo," kwaye ezinye zibonisa ukuba unyaka okanye ngaphezulu kwengeniso yakho.
Ukongeza kokuqwalasela iziphakamiso, gcina ingqalelo kwiimeko zakho ezifana nobukhulu bentsapho, nokuba ungumnini okanye urenti, inani lezithuthi onakho, ukuzinzi emsebenzini, njalo njalo.
Phatha iNgxowa-mali Yakho yoPhulo oluPhezulu njenge-Intshurensi
Ingxowa yakho yexakeka ngokukhawuleza yinkqubo yomshuwalense : Uyazikhusela ukuba kukho into engafanelekanga. Ngoko ke ungene kwiindleko zakho zokuxakeka ngokukhawuleza ngendlela efanayo ukuba uya kuzifihla, uthi, i-auto okanye impilo yomshuwalense.
Ufuna ukhetho olufanelekileyo, kodwa awufuni ukukhetha okuninzi ukuba uchitha imali yakho kuma-premium (okanye kwimeko apha, ukuba imali yakho ihlale ijikeleze ukufumana into engekho nto). Njengoko unokuba ucinga ngeendlela ezithile ze-inshurensi ongacingi ukuba unako ukusebenzisa , ngokunjalo unako ukuhamba ngokuncinci kwindleko yakho yokongxamiseko xa uziva ukuba imeko yakho yezemali ikhuselekile.
Ukuba iinyanga ezintathu zendleko ziya kukwanela kwihlabathi lakho kwaye ungalala ebusuku ngaloo nani, ke ungaziva uhamba phambili ngaphaya koko.
Cinga ngamanye amaNcedo okuThengisa iNgxowa-mali yakho engxamisekileyo
Ukulondolozwa okugcinwe ngethuba lokukhawuleza kuya kukuthintela ekubolekeni ngexesha lakho leemfuno, nokuba ngaba ngekhadi lesikweletu okanye kumhlobo okanye isihlobo, kwaye kuya kukunceda ukuba ugweme ukungena kwiakhawunti yakho yomhlalaphantsi.
Oko kuthethwa, ukuba unika igalelo kwiRoth IRA , yazi ukuba unako ukurhoxisa imali kwiindleko zonyango ngaphandle kwezohlwayo (kukho izibonelelo zokuthenga ikhaya lakho lokuqala). Yikhumbule ukuba uvula imali ekufumaneni inzala, ngoko oku kufuneka kubonakale njengento ethile yokugqibela, kodwa ngokuqinisekileyo kufuneka uqwalasele ngaphambi kokumboza unxunguphako ngetyala. Gcina oku engqondweni njengeplani yokulondoloza xa uziva ulingwa ukuba uhlawule imali yakho yongxamiseko.
Kwakhona uyazi ukuba kwimeko yokulahleka kwemisebenzi, iingeniso zengqesho ziya kunciphisa inani elifunekayo lokukrazula kwi-savings yakho, xa uvumelekile.
INgxowa-mali Yakho yeNgxamiseko kufuneka ixhase iSicwangciso sakho seMali
Ubulumko obuqhelekileyo unokukuxelela enkulu i-fund yakho yexakeka, ibe ngcono. Kodwa qaphela ukuba ekugqibeleni ukugcinwa kwakho kwimeko yokongxamiseko, unokulimaza umgca wakho ophantsi.
Ngelixa impendulo ekumele ibe yinto efunekayo ngayo kwi-fund yakho ayikho enye ifanayo-ifanelwe-yonke into, thatha la macebiso ukuba uqikelele ingxowa-mali efanelekileyo yongxamiseko kwaye ugweme ukuwela umgca ube nokukhulu kakhulu ekugcineni kwakho.
Qinisekisa ukuba i-fund yakho yexakeka ngokukhawuleza isebenza kunye nesicwangciso sakho semali esipheleleyo kungekhona.