Iimali ezingxamisekileyo zenzelwe ukukhupha iindleko ezingalindelekanga okanye ukulahlekelwa ngumsebenzi wakho. Njengoko ulunge ngakumbi kuhlahlo lwabiwo-mali , uya kusebenzisa imali ephezulu yokucima iindleko zakho ezinkulu.
IiNgxowa-mali eziKhuselekileyo
Umntu ngamnye kufuneka abe neengxowa-mali zexakeka-mali malunga neendleko zenyanga enye ukufihla iibhili ezingalindelekanga ngelixa bephuma kwintyala. Emva koko kufuneka basebenze ekwakheni iindleko zonyaka ukukhawulela amaxesha xa ulahlekelwa ngumsebenzi okanye awukwazi ukusebenza. Ukuba ungatshatanga okanye umntu ongenayo imali, kubalulekile ukuba ubuncinane bendleko yeemali ezigcinwe phezulu. Le nto izokunika ixesha ofuna ukuyifumana ngaphandle kokunyaniseka.
Iingxowa zokuNca
Xa usungula isikhwama sinkcazo , ugcina imali ukugcina iindleko ezizayo. Unokwenza oku ukuthenga imoto entsha, hamba eholide, ubeke isithandweni sakho somlilo okanye ulungise uphahla lwakho. Ingxowa-mali yokukhawuleza isendaweni ukulungiselela iindleko ezingalindelekanga ezinokwenzeka.
Oku kungenziwa ukulungiswa kwemoto engalindelekanga, i-bill yezilwanyana ezingalindelekanga okanye ikhaya lexesha lokundiza elingxamisekileyo kubazali bakho. Imali yokucoca ingabhawula iindleko ezingalindelekanga ezinokuthi zenzeke - umzekelo uyazi ukuba uya kulungiswa ukulungisa imoto yakho ngexesha elithile, kodwa awuqinisekanga ukuba nini, isikhwama sokuhlamba sikwenza ukuba ubeke imali ngaphandle kwexesha ukuze ukuba akudingeki ufikelele kwingxowa-mali yakho.
I-Akhawunti Yokulondoloza Impilo ngumzekelo omhle wesixokelelwano esilahlayo.
Yiyiphi iAmpendulo endifanele ndiyenayo ngeeNgxowa zokuNcwina kwam?
Ungasetha imali ukuze ikhona kwi-akhawunti efanayo yokugcina imali, kodwa yinto efanelekileyo yokugcina ixabiso lihlukene. Unokwenza oku kwiphepha lephepha lephepha okanye kwisofthiwe yakho yebhajethi . Oku kukuvumela ukuba ubone indlela obeke ngayo eceleni kwinqanaba ngalinye, kodwa ligcina imali eyahlukileyo kwiakhawunti yakho yokujonga kunye nemisebenzi yakho yansuku zonke. Ufuna i-fund yakho yexakeka ngokukhawuleza ukuba ifikeleleke lula, ukuze ukwazi ukufumana imali ngokukhawuleza xa kuyimfuneko, ezinye zeendleko zingacwangciswa, ngoko ke i-akhawunti yokugcina imali evumela ukuba ufumane inqanaba eliphezulu lezala inokuba yinto efanelekileyo.
Ngaba zikhona iiNdawo ezifuna iNgxowa yokucoca?
Xa sele uhlahlo lwabiwo-mali, ngaphezulu uya kubona izinto omele ufumane ngayo isikhwama sinkcazo. Ngokomzekelo, ukuba ugqoka iiglasi, uyazithengeza ngonyaka, ngoko kufuneka uceba ukuzisindisa ngamnye unyaka. Ngokufanayo ubeka indawo yamatayari yakho emotweni ngeminye eminye iminyaka okanye, kwaye okokuqala, unganakuyilungiselela, kodwa ngoku ungabona ukuba kufuneka ubeke eceleni imali ukuze uhlawule iindleko. Ukuba uqhuba imoto endala, yinto efanelekileyo ukuhamba phambili kwaye ubeke eceleni imali yokugubungela iindleko zokulungiswa kwangaphambili kwinkathalo.
Ekugqibeleni uya kuba nako uhlahlo lwabiwo-mali ukuze ufune kuphela ukusebenzisa i-fund yakho engxamisekileyo, ukuba ulahlekelwe ngumsebenzi wakho okanye ube nenhlekelele enkulu, ngaphandle koko uza kusebenzisa imali yokucoca ukuthenga. Nazi izizathu ezongezelelweyo ongathanda ukuzimisela iimali zokucoca.
- Ntlawulo zeInshurensi
- Iindleko zonyango ezilindelweyo
- Iholide
- Ukulungiswa kwekhaya
- Imali yemali entsha
Ndingazi njani Ubuninzi bokulondoloza kwiCandelo ngalinye?
Ngokufanayo ekukhetheni i-akhawunti efanelekileyo yenkxaso-mali yongxamisekileyo, kufuneka ukhethe i-akhawunti echanekileyo kwingxowa yakho yokucima. Ufuna ukuba imali ifikeleleke kwaye ikhuseleke. Oku kuthetha ukuba awufuni ukutshala imali kwimali yakho yokucima kwiimakethi yempahla okanye into efanayo. Kwakhona kuthetha ukuba kufuneka uqwalasele ngokucophelela zonke iinketho zakho zeakhawunti. Imarike yemali okanye ii-CD ziya kukuvumela ukuba ufumane inzala eninzi kwiimali zakho zokucoca ngenkathi usenza imali lula ukuyifumana.
Ukuba unayo indleko enkulu, njengama-premium yomshuwalense wonyaka okanye iirhafu, umise isikhwama sokusila. Oku kunokukunceda ukuba ungabheki ukufumana imali ukuze uyihlawule inyanga nganye. Kuya kwenza lula inkqubo yakho yohlahlo lwabiwo-mali kwaye ikunike inkululeko enkulu yokwenza izinto ofuna ukuzenza ngemali yakho. Njengoko ugcina uhlahlo lwabiwo-mali, uya kuqala ukufumana iindleko ezinkulu ongazicinganga ngazo. Emva kweminyaka emibini, kufuneka ube nokukwazi ukubona izizathu ezininzi ozifunayo ngxowa-mali kwaye uqale ukuseka ngokwaneleyo ukuba iindleko akufanele zilahlekelwe uhlahlo lwabiwo-mali. Ukulawula imali yakho kuya kuba lula.