Fumana kwiBhajethi
Uhlahlo lwabiwo-mali luyakunceda uhlolisise ingxaki yakho yokugcina. Unokuba nengxaki yengeniso apho ungenzi ngokwaneleyo ukulungiselela izidingo zakho ezisisiseko. Unokuba neengxaki zokuchitha. Unokwenza imali kwiqela elithile okanye kwibhodi. Uhlahlo lwabiwo-mali luyakwazi ukuchonga iingingqi zakho zeengxaki ukuze ukwazi ukuza nezicwangciso zokugcina imali lula. Emva kokuba unoluhlu lweendleko zakho kunye ne ngeniso, unokwenza uqale ukwenza utshintsho kwimikhwa yakho.
Fumana iNgxowa-mali yeNgxamiseko
Ingxowa-mali yexakeka ngokukhawuleza izakukhusela ukugcinwa kwakho, kuba imali ibeke eceleni ukukhupha iindleko kunye neendleko ezingalindelekanga. Ukuba usenamatyala, kufuneka ufumane malunga neenyanga enye zeendleko kwi-fund yakho engxamisekileyo. Ukuba le nto ivakalelwa kakhulu, jolisa i-$ 1000 kuqala. Oku kuya kwenza kube lula ukugxila kwezinye iinjongo zakho, kuba uyazi ukuba unokukhawuleza. Ukuba awunayo ingxowa-mali engxamisekileyo, oku kufuneka kube yinto ephambili yakho phambi kokuhlawula ityala okanye ukuthenga ezinye izinto.
Phuma kwiTyala
Ukuseka isicwangciso sokuhlawula amatyala, kwaye ujonge ukuba uninzi kangakanani ukwenza iintlawulo zetyala nganye ngenyanga kwaye ucinge ngokukhawuleza ukuba unokongeza xa uhlawula yona esikhundleni sakho. Yenza imihla kuhlahlo lwabiwo-mali ukuze ube nemali ethe xaxa yokubeka ityala lakho kwinyanga nganye. Amathuba kukuba uhlawula ngakumbi inzala (ngokukodwa kumakhadi-mboleko) ngoko ufumana imali oyilondolozayo okwangoku.
Kunengqiqo ukuhlawula ityala lakho ngaphambi kokuba uqalise ngokukhawuleza ukonga kwakho. Thatha ixesha ngoku ukwenza ukuba kwenzeke.
Fumana iindlela zokulondoloza imihla ngemihla
Xa ufuna ukugcina imali, kufuneka ube yi-fruga l. Fumana iindlela zokugcina kwivenkile , kwizinto zakho zokusebenza kunye neenyanga zakho zenyanga . Shintsha izicwangciso kunye nababoneleli nge-inshorensi kunye nefowuni ukugcina imali. Kufuneka uqikelele ukusika intambo kunye nokukhetha iindlela ezincinci zokugcina zonke iindleko zakho. Nciphise inani ochithayo kwizozonwabisa ukuze uchithe kuphela oko kubaluleke kakhulu kuwe. Yenza injongo yokunciphisa kwiindidi zakho ezinkulu nge $ 100.00 ngenyanga. Emva kokuba kube lula ukunqunyulwa kwakhona. Kukho konke ukuqinisekisa ukuba usenayo isibonelelo kunye nemali emnandi yokuchitha kwizinto ukuze ungahambi ngendlela ozama ukuyilondoloza.
Ukubeka phambili kwi-Savings yakho
Xa ungekho matyala, kwaye ugcine imali, kubalulekile ukuba ube neenjongo ezicacileyo zokulondoloza kwakho. Unokufuna ukuthenga ikhaya kwaye ufuna ukuhlawula loo ntlawulo. Kufuneka uhlawule izikhefu zakho kunye nezipho ngemali kwaye ungasindisa oko. Kufuneka usebenze nokugcina imali kunye nokuhlawula imoto ngenkokhelo. Ezinye zokulondolozwa kwakho zingabakho ngokuyinxalenye yokwakha isisityebi, ukuthenga izakhiwo zotyalo-mali okanye ukutyalo-mali kwimakethe yemasheya.
Kunceda ukwazi apho ufuna imali ihambe khona kuba kukunceda uhlale ukhuthalele ukufikelela kwiinjongo zakho zokugcina.
Yenza Ukugcina Umzi
Ukwenza imali yokuphila ubomi obude kunokunceda ukhulule uxinzelelo lokulawula imali yakho. Kuya kuvula iingcango zakho kwaye kuncede wenze yonke into ibe lula lula. Njengoko ugcina ukonga, uza kuqala ukuphanda amanani ngaphambi kokuba uye esitolo. Oku kunokumisa ukuthenga okungazenzisiyo kunye nokwenza ukuba uqaphele ngakumbi into ochithayo. Uya kwenza kwakhona ukugcinwa kwakho ngokuzenzekelayo kunye nokutshintshwa kwenyanga kwintlawulo ofuna ukuyilondoloza. Awunakulindela ukuba imeko yakho yezemali ishintshile uze ugcine ukonga. Qala namhlanje.