Indlela ukufunda ukugcina ilungelo imali

ukusweleka Acute okanye okondeleyo imali ngamathuba athile isebenza phantse sonke. Xa befuna indlela yokuphuma nto sicela ukuba imali evela kubazali bam, Siboleke abahlobo, uthathe imali-mboleko yebhanki njalo njalo. N. Kulo mzekelo, ingxaki ilungisiwe okwethutyana, kodwa ityala layo ihleli ingatshintshanga. Yintoni na loo isizathu? Isibakala sokuba iindleko zethu bazama ukuba idlule ingeniso, yiyo yokunqongophala kwemali. Amatyala, bekhula zejometri progression, uxinezeleko, ixhala kunye imo ephantsi, khangela ityala - isizathu ngokwaneleyo ukuba bacinge malunga nendlela ukufunda ukonga imali. Yintoni ekufuneka siyenze ukuze sibe ngokwaneleyo hayi kuphela iimfuno zemihla ngemihla, kodwa nakusukelo onokulufikelela emva kwexesha elide, kuzalisekisa iminqweno, ukuba ifomu eziphathekayo?

Kungani wonge imali

Kungenzeka sele unayo ezinye izicwangciso umdla yokuthenga nantoni ngexabiso kakhulu. Mhlawumbi le imoto entsha, endlini enhle, izixhobo zombane ezitsha indlu, ifenitshala eninzi, yomqala nekalikedo okanye uhambo kwelinye. I ngokucacileyo ngakumbi nangakumbi usukelo lwakho, kungenza kube lula kakhulu ukuba ukufudukela. Yiba nomfanekiso usukelo lwakho kangangoko kunokwenzeka, cinga ngayo: .. uqhuba imoto, xa zityelele, njl oko kuyimfuneko eliphupha! Injongo wakho akunakufezekiswa ukuba Ababeki ithayimthebhile ecacileyo kuyo. Yenza ishedyuli lokonga kwaye ugcine phambi kwamehlo akho, phawula amanyathelo esele yenziwe, Mhle inkqubela. Ukongeza amaphupha ezimnandi, injongo imali wakho abe iinjongo ubomi kubaluleke ngakumbi, njengokwenza umqamelo zemali iimeko ezingalindelekanga imali pension ukuya ebudaleni ekhuselekileyo ubudala, ukulondolozela imfundo yabantwana.

Apho ukufumana imali kunokongiwa

Imali kunokongiwa zithathwa kwindawo enye ngemali iindleko zakho imihla ngemihla: umvuzo kunye ingeniso esuka kwishishini yabo. Ukuba umholo wakho kufunwa umvuzo, zibekele ngokwakho ipesenti ethile ukuba ubeke bucala i "yibhanki kwiSabi". Oku kufuneka imali akayi kubangela ukuba ubuhlungu enkulu kunye ukuziva kwenu nekhethe zonke. Ukuba ingeniso esuka kwishishini - umthombo lakho engundoqo yengeniso, unako kwakhona wabeka ipesenti okanye ngokuyalelwa ingqalelo enkulu ekuqokeleleni umlinganiselo othile ethile nyanga nganye. I minimum kufuneka abekwe bucala ubuncinane i-10% yabo imivuzo kunye nezinye ingeniso. Practice kubonisa ukuba Ababeki bucala inxalenye imali ngokukhawuleza phezu befikile, ekupheleni kwenyanga ukuthumela ukuya yokubeka sele uya nto, yonke into iza kuhamba iindleko ophilileyo. Ukuba kunokwenzeka, unako yokulibazisa nangaphezulu - 20-30% inzuzo. ingqalelo eyodwa kufuneka hlaziya imali oyongela ukuncitshiswa yabo, kodwa oku ngesihloko enye ingxoxo. Ukuba ufuna ukugcina ngakumbi, khangela ukuba imithombo eyongezelelweyo yengeniso. Kaloku, xa imali yakho okungaphezu, okt. E. Made up yengeniso ngezinto, ngoko ke ilahleko enye imithombo umgangatho wakho wokuphila uya kubandezeleka ngaphantsi.

Apho ukugcina yokugcina

Indlela elula ixabiso elincinane ezongezelekayo - iimvulophu zesiqhelo. Ukuba yalibaziseka iinjongo eziliqela, iimvulophu ziya kuba ezininzi - ngokwenani labo. Usebenzisa le ndlela elula wayo. Kodwa ukuba ukuzimisela yakho encinci kakhulu, ngoko le ndlela iya kusebenza, kusoloko kukho isilingo 'ukuthatha kancinci. " Ukuba wonga ukuya ukuthenga ezinkulu (.. A imoto, indawo yokuhlala, njalo njalo), eyona ndlela ifanelekileyo imali - idiphozithi kwi ebhankini. Kwaye kufuneka ukuba ikhadi lebhanki, apho ungakwazi ngokulula arhoxise-akhawunti imali idiphozithi. Hamba ujikeleze iibhanki ezingqonge noPick idipozithi elide. Kuxhomekeka iinjongo zakho, oko kunokuba iinyanga ezintandathu, unyaka omnye, iminyaka emithathu, kunye nabanye. Le idipozithi kufuneka bakwazi ukuba uphinda uyigcwalise kunye neemeko ezimbi ukuze ukupheliswa kwexesha. Xa lo mthetho uyilwayo uza kwinqanaba amakhulu amawaka engange, kufuneka ucinge sokunabela: vula akhawunti eziliqela kwiibhanki ezahlukeneyo,-akhawunti imali amazwe, qala utyalo mali efanayo, njalo njalo ke ayisendim osebenza ngaphandle umcebisi wezezimali .. Asinto nje ndimele, ukuba ufuna ukwandisa ukusebenza kutyalo-mali lwakho. Ukuba amalungiselelo sengqondo ukuya imali ngendlela elula, uya kwazi ukufunda ngokonga imali, nto leyo ekugqibeleni uza kukuvumela ukuba bafumane inkululeko zemali kwaye bazise inzaliseko iinkanuko zakho. Uphupha ngayo?