Umxholo
- 1. Bhala phantsi ityala lakho
- 2. Hlawula phambili
- 3. Misela iintlawulo ezizenzekelayo
- 4. Yiba ne-akhawunti yebhanki edibeneyo
- 5. Yenza iakhawunti yokonga
Ngaba ujonge iingcebiso ngezemali zomtshato ukuze wonwabe?
Nangona uthando kufanele ukuba lube sisiseko salo naluphi na ulwalamano emtshatweni, masibe yinyani. Imali kwezomtshato luhambo oluqinileyo, kwaye indlela yokuphatha imali emtshatweni ngowona mbuzo ubuzwa rhoqo zizibini ezifuna ukungqinelana kwezemali.
Iingcebiso ngezezimali zomtshato zinokuba sisixhobo esihle kwizibini ezilawula iimali zazo, zijonga indlela ezemali emtshatweni ezinokuba luthambo lwempikiswano phakathi kwabantu abatshatileyo.
Umtshato nemali zingenakulinganiswa.
Xa iimali zakho zingalungelelananga, kunokukwenza uzive ungakhuselekanga.
Kwaye xa oko kusenzeka, ihlala ichaphazela kwaye, ngeendlela ezininzi, ichaphazela ulwalamano lwakho. Kungenxa yoko le nto, nokuba utshatile iminyaka emi-2 okanye engama-22, kuhlala kungumbono olungileyo ukubeka isicwangciso endaweni xa kuziwa kwimali yakho.
Ukulandela iingcebiso zemali emtshatweni kuya kukunceda ekulawuleni imali kakuhle emtshatweni kwaye woyise iingxaki zomtshato nezemali.
Iingcebiso ngezemali zomtshato
Enye indlela efanelekileyo yokujongana nemali yakho emtshatweni kukubonisana nomcebisi ngezeMtshato.
Abanye abantu bade bakhethe ukufumana iingcebiso ngezemali zomtshato ukujongana neengxaki zemali emtshatweni. Iya kuba ngumbono olungileyo ukubukela iiflegi ezibomvu ezibonisa ukuba umtshato wakho usengxakini yemali, ke unokufuna iingcebiso ngezemali kwizibini ezitshatileyo.
Iingcebiso ngezemali kwizibini ezitshatileyo ziya kukuxhobisa ukuba wakhe isiseko esomeleleyo somtshato ozinzileyo ngokwezezimali ngokukunceda ujongane nemicimbi efanayo enxulumene nolawulo lwemali kwizibini ezitshatileyo.
Uya kufumana iingcebiso zokucwangciswa kwezemali ezifanelekileyo eziza kukunceda ujongane nemicimbi efana namatyala, amatyala, ukonga kunye neenjongo zemali ezenza uxinzelelo lwezezimali emtshatweni.
Abanye abantu abatshatileyo bayaya nakwiisemina zezezimali okanye bafunde iincwadi ezimbalwa okanye balandele iibhlog ezimbalwa ezivela kubaxhasi bezezimali ukufumana impendulo kumbuzo othi: 'ungaziphatha njani ezemali emtshatweni?'
Inokuba luncedo ukufunda ngakumbi malunga nocwangciso lwezezimali kwizibini ezitshatileyo ukufumana ingcebiso yomtshato wemali eluncedo ukuba uzama ukoyisa ungquzulwano lwezezimali emtshatweni wakho.
Kodwa nokuba yeyiphi na indlela ogqiba ukuba uyithathe kunye neqabane lakho, qiniseka ukuba uyakwenza ukuzinza kwakho kwezemali kube yinto ephambili.
Unokufumana isiqalo esihle ngokusebenzisa ezi ngcebiso zezezimali zilandelayo
1. Bhala phantsi ityala lakho
Elinye lawona maqhekeza aluncedo kakhulu kwiingcebiso ngezemali zomtshato ukubetha ibhalansi elungileyo phakathi komtshato kunye nezemali kukubhala phantsi amatyala akho.
Xa ubanjiwe kukuxokozela kobomi, kunokuba nzima ukufumana isibambiso sokwenene kwityala lakho. Ujonge nje amatyala njengoko zingena kwaye uzama ukuhlawula oko unako.
Kodwa xa ungaqinisekanga malunga namatyala onawo, inzala inokuqokelelana, iifizi ezifika kade zinokusebenza, kwaye amanqaku akho etyala anokuchaphazeleka kakhulu.
Kungenxa yoko le nto kungumbono olungileyo uku hlala phantsi kanye ngenyanga kwaye uwagqibe onke amatyala endlu yakho ukubona ukuba utyala ntoni ukuze ukwazi ukwenza izicwangciso zokuhlawula zenyanga nenyanga.
Esi siqwenga seengcebiso zemali eziluncedo kwizibini ezitshatileyo ziya kukunceda uphephe imiba emininzi yemali emtshatweni enokuvela kwixesha elizayo ngenxa yokunqongophala kokucaca kwezezimali neqabane lakho.
2. Hlawula phambili
Ukuhlawula phambili yenye yezona ngcebiso zibalulekileyo zokunciphisa uxinzelelo lwezezimali emtshatweni.
Mhlawumbi awukho kwimeko apho ungahlawula khona imali mboleko yakho okanye imali mboleko yemoto ngaphambi kwexesha, kodwa into onokuyikhupha zezinye iindleko ezincinci.
Ukwazi nje ukuba akufuneki ukhathazeke ngamatyala amancinci azayo inyanga nenyanga yinto encinci enokubeka uncumo olukhulu ebusweni bakho.
Bukela kwakhona: Ulihlawula njani ityala lakho lobambiso kwiminyaka emi-5.
3. Misela iintlawulo ezizenzekelayo
Kukho izinto ezimbini ezintle malunga nokuseta iintlawulo ezizenzekelayo zezinto ezinje ngezixhobo zakho kunye netyala lekhebula.
Enye kukuba awunyanzelekanga ukuba uzibambe kwimemori xa kufanelekile.
Okwesibini, yindlela yomlilo eqinisekileyo yokuphepha nayiphi na imali ehlawulwa kade. Cinga nje ngoxolo lwengqondo kunye nexesha elingakanani onokutyala ngalo kwezinye izinto ezinemveliso ngokungakhathazeki ngokuhlawula i-15- $ 20 yeebhili ngasekupheleni kwenyanga.
Ukulandela iingcebiso zezemali zomtshato ezinokukusindisa ekulandeleleni rhoqo kwaye uphinde ulungelelanise ezinye iindleko kunye nokukusindisa ekwenzeni ukhetho olunzima.
4. Yiba ne-akhawunti yebhanki edibeneyo
Esinye sezikolo ezindala, esiqhelekileyo, kodwa esisebenzayo iingcebiso ngezemali zomtshato kukuba neakhawunti edibeneyo neqabane lakho.
Nangona abanye abantu bengayi kukuvuyela oku, iqabane lakho asihlali nalo; bangamaqabane akho obomi.
Inye kuphela into enje ngeengcebiso ngezemali zomtshato Ukuseta iakhawunti ngokudibeneyo kunokunceda ekubambeni wena kunye nenkcitho yakho.
Xa omabini amaqabane esazi ukuba ingakanani imali kwiakhawunti yebhanki edibeneyo, oku kuthetha ukuba iingxoxo zinokubakho xa kufikwa kwinkcitho, ukonga, kunye nokucwangciswa kwexesha elizayo.
Uyazi ukuba yinto enjani ukuba neengxoxo ezinjalo.
Uninzi lwezibini ezininzi kakhulu zifumanisa kude kakhulu kumdlalo amaqabane abo abatyala amawaka kumakhadi etyala okanye angahlawulanga ityala ngeenyanga konke ngenxa yokuba bagcina imali yabo yahlukile.
Le ngcebiso yemali yomtshato ivumela izibini ukuba zixhasane kwaye zomeleze ezinye ngokudibanisa endaweni yazo.
5. Yenza iakhawunti yokonga
Nabani na owathi, "umtshato kukutyala imali" ngekhe ichaneke ngakumbi.
Ukwenza iakhawunti yokonga yenye yezona ngcebiso zobulumko kwimali yomtshato njengoko isakha umtshato wakho njengotyalo mali ebomini bakho bonke.
Lutyalo-mali lothando, lwexesha, ewe, lwezixhobo zakho, kubandakanya nemali yakho. Nangona kunjalo enye impazamo eyenziwa zizibini ezininzi kukungabeki bucala imali yezinto ezinjengeholide kunye.
Ubomi bunokuba nzima, kodwa ukwazi ukuba nobabini ningo ukubekela bucala ingeniso ukuze nisebenzise ixesha lokwenyani kunye kunokukufumana kwimiceli mngeni yayo.
Khumbula, nobabini nigcina i-100 yeedola kwisiqwenga senyanga nganye silingana ne- $ 2,400 ukuphela konyaka.
Esi sisiqwengana esihle sotshintsho kuhambo oluthandayo okanye uhambo lwendlela, kwaye elona candelo lililo, uchitha imali kunokwenza naliphi na ityala lekhadi letyala!
Amagama okugqibela
Umtshato awukho lula kwaye ufuna ukondla okuninzi. Uxinzelelo lwezezimali, kwelinye icala, lunokwenza kube nzima kakhulu kuwe ukwakha ubudlelwane obomeleleyo neqabane lakho.
Eyona nto ibaluleke kakhulu kukuqinisekisa ukuba wena neqabane lakho ninemfuno zemali ethelekisekayo kwaye nizakujonga ukuba nihlala njani na kwimicimbi yemali enokuthi ize kuni.
Thatha ixesha lokucinga ngendlela oza kuyiphatha ngayo imali yendlu yakho ukuze uzisindise kwiingxabano ezininzi zoxinzelelo kunye noxinzelelo lwendlela.
Landela ezi ngcebiso zezezimali zomtshato ezi-smart, kwaye uyakuqaphela ukuphucuka okubalulekileyo emtshatweni wakho ngaphandle kwexesha.