Ukukhawuleza ngokusemthethweni akuyiyo into ocinga ukuba ayiyo
Esinye seziqwenga ezithandwa kakhulu zezezimali kukukwakha i- fund yexakeka .
Le ngxowa-mali oyithintela kuphela kwimeko enzima, iziganeko ezingenakucwangciswa - iintlobo zeemeko ezinokukunyanzela ukuba ungene kwi-credit card njengetyala lokugqibela.
Kodwa yiyiphi imeko yongxamiseko? Kufuneka uphelele nini kule ngxowa-mali?
Indlela efanelekileyo yokuphendula lo mbuzo ngowokuqala ukudala uluhlu lweendleko ezingafanelekanga ukuba zikhawuleze.
Ziziphi iindleko zonyaka aziyiziziziziganeko?
Abantu abaninzi babanjwe-balindi ngeendleko ezinkulu zonyaka kunye neyayilwayo yerhafu yepropati, irhafu yengeniso eyongezelelweyo inetyala , ukuvuselela ukubhaliswa kwemoto yabo, nokuthenga izipho zeeholide.
Kodwa ezi azinxamisekileyo. Uyazi ukuba uza kufuneka ukhokhe irhafu emva konyaka. Awukwazi ukuba yintoni na imali oya kuhlawulwa ngayo irhafu, kodwa uyazi ukuba kuya kufuneka ukhokhe into ethile. Kufuneka uhlahlobe imali encinane yenyanga nganye kwilwayo-mali.
Iindleko zexesha elizeleyo kodwa eziqikelelwayo aziyiziNdlobongela
Abanye abantu basebenzisa i-fund yabo yexakeka ngokukhawuleza ukuba bahlawule iindleko ezichazwe ngokwemvelo, kodwa kungekhona ngexesha.
Umzekelo: Uyazi ukuba kuya kufuneka uhlawule ukulungiswa kwemoto kwinqanaba elithile. Awazi ukuba kuya kwenzeka nini. Imoto yakho ingaphula phantsi kulo nyaka, okanye ingenakuphuka enye iminyaka emithathu.
Kodwa uyazi ukuba, ngezinye iinkalo, kuya kufuneka ubeke imali ekulungiseni imoto yakho.
Le yindleko echazwe ngokwemvelo, kodwa kungekhona ngexesha.
Oku kuyinyani nokuba ufuna ukutshintsha imoto yakho ngokupheleleyo. Ngexesha elithile kwikamva lakho, imoto yakho iya kuphinda ibe yindawo apho engasayi kulungiswa khona. Endaweni yokuba uhlasele i-fund yakho yengoxakeka ekuthengeni imoto entsha, qalisa ukwenza intlawulo yemoto ngokukhawuleza.
Kuyafana nokufaka indawo yomatshini wakho wokuhlamba, umbane wamanzi, i-air conditioner, i-dishwasher kunye nophahla olukhuphayo endlwini yakho. Awazi ukuba uphahla lwakho luza kuvuza nini, kwaye awukwazi ukuqikelela xa i-friji yakho iza kuphuka. Kodwa uyazi ukuba ngexesha elizayo oku kuza kwenzeka. Esi siganeko siqikelelwa, ixesha alikho.
Ngokufanelekileyo, akufanele Usebenzise i-fund yakho yengxamiseko ukuhlawula ezi ntlobo zeendleko. Kufuneka ubeke eceleni encinane yemali inyanga nganye evumela ukuba uhlawule le miba yokulungisa nokulungisa xa iphakama.
Iindleko ezingabonakaliyo: Iimvavanyo zinyani
Ngelixa ucinga ngezona zinto zilungileyo, ngezinye iimeko iziganeko ezibuhlungu zenzeka ukuba awukwazi ukuqikelela.
Wena kunye nomlingane wakho unokulahlekelwa ngumsebenzi wakho ngexesha elinye. Unokuba nenhlekelele enkulu yonyango, kwaye i-inshorensi yakho inqaba ukuhlawula ibhilikhwe.
Ezi ntlobo zeemeko aziqinisekanga. Le yintoni na i-fund yexakeka ngokukhawuleza ekujoliswe kuyo.
Isizathu sokuba ezininzi iingcali zezezimali zincoma ukwakhiwa kweengxowa-mali ezixakeka kwimeko engxamisekileyo, ezibandakanya ubuncinane iinyanga ezi-3 ukuya kwezi-6 zeendleko zokuphila kuba zikulindele ukuba kuya kufuneka ukuba ungene kule ngxowa-mali ukuba ulahlekelwa ngumsebenzi omkhulu. Ufuna ukuba isikhwama sibe sikhulu ngokwaneleyo ukufihla iinyanga ezili-bhilile ngelixa ukhangele umsebenzi omtsha.
Ukugcina isikhwama sakho esingxamisekileyo kwiintlobo zeentlekele zexesha elide. Okwangoku, faka "ukugcina ukulungiswa kwekhaya" okanye "ukugcina ukulungiswa kwemoto" kwibhajethi yakho rhoqo. Zama ukuzihlawula kuqala ukuze ungalokothi ulibale uhlahlo lwabiwo-mali.