Kufuneka ulungiselele ezi ziganeko ezingalindelekanga , ngaphaya nje kokuba ube neengxowa-mali zexakeka.
Sebenzisa i-Sinking Fund yeNgxowa-mali yokuThuthukisa nokuThuthukisa iKhaya lakho
Unako ukufumana isikhwama sokucoca ukulungiswa kwemoto kunye nesinye sokulungiswa kwekhaya okanye iimododla. Uninzi lwabantu luya kubeka bucala imali ngenyanga nganye ukulungiselela ukulungiswa kwendlu okanye ukulungiswa kwemoto kwaye kungabi nakuqonda ukuba esi sikhwama esixakekayo. Inyaniso kukuba uya kufuneka uhlawule ngokugqibela ukulungiswa kwemoto okanye i-plumber ukuza nokulungisa okuthile ekhaya lakho. Ukubeka eceleni kancinci inyanga nganye ngoku kuya kwenza kube lula ukulawula imeko.
ukuba uyazi ukuba unesilungiso esikhulu esiza kuvela, unokugqiba ukuba ungakanani ufuna ukubeka eceleni ukuwufihla ngexesha. Okanye unganquma ukuba kungekudala ungagqiba i-remodel ngokuxhomekeke kwindlela okhawulezayo ongayigcina ngayo imali ukuyigcwalisa. Ukusekwa kweemali ezithile kwenyanga nganye kunokukunceda ugxininise kuzo zonke iinjongo zakho zezemali uze uqhubeke phambili.
Gcina iiholide ngeSinking Funds
Unako kwakhona ukufumana isikhwama sokuhlalisa izikhefu. Kukulungele ukuhlawula rhoqo imali yokuphumla kwakho. Ukuba unayo iholide ephupha ofuna ukuqhubeka nayo, okanye ufuna nje ithuba lokuya elunxwemeni unyaka ngamnye, kufuneka ubeke eceleni imali ukugubha izithuba zakho zeholide. Akukho nto ichitha iholide ngokukhawuleza kunokukwazi ukuba akunako ukukwazi ukufumana khona.
Kubalulekile ukuba iholide yakho ingonakali uhlahlo lwabiwo-mali, kwaye ukugcina kusengaphambili yindlela efanelekileyo yokwenza oko.
Unokufuna ukucwangcisa iholide elilodwa kunyaka okanye ezimbini kwaye ulondoloze. Ingundoqo kukugcina imali ngaphambi kokuba uhambe eholide. Oku kuya kukunika inkululeko yokuya apho ufuna khona kwaye ube nendlela yokuyifumana. Ukuba uhlahlo lwabiwo-mali oluninzi luyakuthatha iminyaka embalwa ukugcina ikhefu.
Ukukhupha iindleko zoNyango ngeSinking Funds
Unako kwakhona ukufumana isikhwama sokuhlamba iindleko zonyango. Ukuba unesicwangciso se-inshurensi yezempilo ephezulu , usenokuba ne-fund ye-sinking fund yakho kunye ne-akhawunti yakho yokugcina imali. Unokusebenza ukugcina ngokwaneleyo ukuhlawula imali yakho yonyaka kwaye ufanele ukwazi ukulawula zonke iindleko zonyango ngaphandle kwengxaki enkulu.
Kufuneka unikwe ingqalelo nayiphi na imali umqeshi wakho eya kuba negalelo ekuncedeni ukukhupha imali yakho ephezulu. Oku kunokunciphisa inani olifunayo ukufaka isandla kwiindleko zonyango. Ukongezelela, kufuneka uqwalasele ukuba uza kuyidinga kangakanani ukwandisa le ngxowa yokutshatyalaliswa xa utshata kwaye unabantwana. Imali iya kufuneka ikhuphuke njengoko izingozi zakho zanda.
ISicwangciso soThengiselo oluPhambili ngeSkinking Fund
Unokucwangcisa enye nayiphi na into ebalulekileyo yokuthenga, ukuze uhlawule ngayo ngemali.
Unokuba nekhredithi yokucima emotweni elandelayo oyithengayo. Ukulondoloza ukuthenga kwakho okukhulu okanye ukuhlawula kwindlu yakho kuya kukunceda ukuba ugweme ukuya esikolweni kwaye wenze kube lula ukuthenga into onokuyenza ngayo. Le nyathelo elikhulu ukuba usebenza ekubeni unetyala elingenanto.
Khumbulani iiNgxowa zokuCoca ukuNceda Ufikelele kwiinjongo zezeMali
Ukubeka imali yakho yokucoca ngoku kuya kwenza kube lula ukufikelela kwezinye iinjongo zokulondoloza . Inokunciphisa uxinzelelo lwezezimali. Uya kufuna ukubeka imali yakho yokucoca kwi-akhawunti apho unokufikelela khona lula. Unako ukulandelela imali kwicandelo elithile kwibhajethi yakho, kodwa ushiye imali kwi-akhawunti yakho yokugcina imali. Oku kwenza kube lula ukugcina imali kunye nokuyifumana xa kuyimfuneko.