5 iimpazamo xa becwangcisa imali yomhlala: musa ukubavumela!

maxa wambi Pension enyakazelayo phezulu siyathandaza, ude ube kwintsapho, umntwana-nokukhulisa umsebenzi wokwakha. Kwaye ngoko ke iphupha bachithe iminyaka yabo ngwevu endlwini lizwe, ukudlala igalufa nokuvala elwandle ezingenza abe imfuneko ukwambatha ingubo yangaphantsi, ndibulise abantu esangweni ukuya evenkileni, kwande imigangatho. Nangona ukufa onjalo akazange zikufumane, kufuneka uphando iziphoso ixhaphakileyo enxulumene imali pension, ukuba ingangeni ebomini bakho.

1. isicwangciso esiphansi babenethemba okanye akukho sicwangciso

Abanye abantu mhlawumbi abazi okanye andikhathali ngendlela imali engakanani kuya kufuneka ukuba afumane umhlala-phantsi obutofotofo. Ukuvavanya iimfuno zakho kunye amathuba eziyiyo. Cinga ngendlela ubona ubomi benu ngexesha elizayo, yintoni oyifunayo, ingakanani imali eza kuba nako ukunika uhlobo yokuphila. Kungakuhle, kucetyiswa ukuba phinda eli nani kwimeko yeemeko ebezingaziwa.

Umzekelo, izixa ezinkulu angaya unyango, ekubeni abadala ntonje yimfuneko. Ngoko ke kufuneka ukuba ubale ukuba ingakanani na iinkonzo oogqirha kunye nabongikazi, amayeza, ukuphumla kuzo sanatoriums, kwaye qiniseka uyifaka inqaku kwi imali yenkcitho ekucwangciselwa yena.

Kwi-Internet uyakwazi ukufumana iintlobo zokubala ezahlukeneyo ukukunceda ukubala imali ezifunekayo umhlalaphantsi kamnandi. Zama ukuqala kalukhuni ukuqikelela ukuba lini- kufuneka ukuba elinye, uze ucele ukuba bacacise ukuba wezimali yobungcali.

2. Surface isifundo iimeko ecetywayo khona imali

Kubalulekile ukuba ukuhlolisisa ngenyameko yonke iminikelo zenkqubo kwaye usebenzise ngenxa yayingezozabo, njengoko isitshixo kwimpumelelo yakho elizayo. Kufuneka ukubala kuyo inzala ebizwayo kwiibhanki ezahlukeneyo, kwaye ufumanise iimeko ukuvulwa ye pension fund zokuxabangela. Abaninzi ngoyaba eli cebiso, ungabi becinga ukuba baya ngokwaneleyo imali etsalwa kumvuzo yazo qho ngenyanga. Apha ke kuphela ukuba uma- zinengeniso esezantsi aphile penny penny, Kakade, akayi kuba nako ukwanelisa umnqweno bakhululeke ngokupheleleyo kwaye kalula sesikhulile kuyo,.

3. Cinga ngalo umhlala-phantsi ngaphambi kokukhutshwa kwalo

Umzekeliso ezaziwayo-kakuhle "Lungisa isileyi ehlotyeni, yaye inqwelo - ebusika" kuya kufaneleka kule meko. Ngapha koko, kamsinya uqala yokulibazisa, kokukhona lemali egciniweyo ekugqibeleni. Xa usemtsha, kukho kusoloko kukho izinto ezithile yenkcitho: Ndifuna ukuba ukuphumla ilizwe, ukuba elinye uqeqesho abantwana, athenge indlu wenze ukulungisa woyimisela ... Kwaye kukho ezininzi i ngasentla kuyimfuneko ngenene, hayi nje kuphela kweli yobudala yomhlala-phantsi, kodwa abaselula. Apha kuphela akukho siqinisekiso sokuba ngoko umntu uya kukwazi ukugcina ngokupheleleyo kuwe ebudaleni ikwandim, ngoko makhe sicinge ngoko olungileyo kunawe, akukho namnye uya kunigcina nina.

4. elifutshane bisayo

Xa uselula, ukuba ufuna ukuhlala ngokupheleleyo, bonwabele mzuzu zonke zobomi, ukuchitha yonke nemalanana yokugqibela. Okanye mhlawumbi uye waphumelela kwezoshishino uzame ukuba yonke ingeniso ukuqhubeka uvule. Kodwa abatsha, kudityaniswe beswele kusengaphambili, njengoko umthetho, oko kukhokelela kwiziphumo emibi. Cinga nje ukuba, akuba ndikuqhelile ubomi obutofotofo ebutsheni bakhe, uya kuba nzima kakhulu ukuba ukuqhelana umbuso engqongqo kuqoqosho eselenezimvi, xa ndandiswele imali ayisafuneki ukuzonwabisa, kwaye ulondolozo ubomi kwinqanaba qualitative.

mali 5. yokuhlola

Xa siyazi ngokuqinisekileyo ukuba ibhanki unayo ingxowa-mali ezingasetyenziswanga, ingozi enkulu ukuba umntu akakwazi kuzibamba kodwa bachitha imali - ukuba asingabo bonke, ngoko ke ubuncinane inxalenye yayo. Noko ke, sicebisa ngamandla ukuba bacinge malunga igalelo njengoko isixa onokuthi cashed nangaliphi na ixesha. Khumbula, kubaluleke ngakumbi kwaye iluncedo kakhulu kuya kuba ebudaleni ikwandim, xa impilo akavumi ukwamkela ebusuku. Sebenzisa kuphela ukuba imfuno kakhulu kakhulu kwaye ezingxamisekileyo, ukuba akukho ezinye iinketho abashiywa!