Amaxesha amaninzi azama ukugcina imali, kodwa iinzame zazingakhange zithweswe impumelelo? Kungenzeka ukuba wenza into engalunganga kwaye kufuneka uchithe iimpazamo.
Ngubani ongazange azame ukugcina imali ukuze athenge into ebalulekileyo kwaye ibalulekile kuye? Yiyo kuphela into eyenziwa yona, kodwa abanye abayifumani. Wonke umntu, ngaphezu kwakho konke, unokufunda indlela yokuphelisa iimpazamo ezikhoyo ezichazwe ngabacebisi bezezimali.
1. Sebenzisa ikhadi lokugcina.
Ukuba uvula isikhwama malunga nantoni na umntu, ngokuqinisekileyo kuya kuba namakhadi athile okuhlawula. Abantu abaninzi banekhadi elihlukile, elisetyenziselwa ukugcina imali, kodwa oku kuyingozi enkulu. Abaxhasi bacacisa oku ngeyona ndlela yokuba imali ilula kangakanani ekhadini, ngoko iyakwazi nje ukunyamalala ngokukhawuleza, kuba ihlala ifikelele kwimida yokufikelela. Kukulungele ukuvula idiphozithi ebhankini kwiinyanga ezintandathu okanye ngonyaka kwaye ufake imali apho.
2. Gcina imali phantsi kwe-mattress.
Iingqungquthela zibonise ukuba abantu abaninzi abanamathemba kwiibhanki, ngokukodwa kumaxesha enzima, kodwa oku akuthethi ukuba kufuneka ugcine imali yakho phantsi kweematilethi, kuba kukho umngcipheko wokuba imali iyancipha. Iingcali zincoma ukufaka ukuchithwa ngokuzenzekelayo kwemali kwi-akhawunti yokulondoloza, apho ipesenti ethile yobhaliso iya kuwela. Ukubeka imali esele ikhona kwi-deposit kunconywa kwiimali ezahlukeneyo nakwiibhanki ezahlukeneyo.
3. Xa ndiyakwazi, yikhawuleze.
Elinye icebo elingalunganga kubantu abaninzi kukuba lihlehlise xa kunokwenzeka, umzekelo, xa befumana imali eninzi. Ukukhawuleza ukuqokelela imali efunekayo, kuyacetyiswa ukuba wenze ishedyuli yenyanga yokuhlawula, njengokungathi uyabuyisela imali mboleko. Ukuba naliphi na inyanga kunethuba lokugxotha ngaphezulu, yenze njalo, kodwa ungatshintshi isicwangciso sakho.
4. Gcina imali kwiakhawunti enye.
Iphutha eliqhelekileyo kukugcina yonke imali ekhoyo kwibhanki enye. Oku kuchazwa yinyaniso yokuba ukuba ufuna ngokukhawuleza imali, kufuneka ulahlekelwe ngumdla, kwaye akusiyo onke amaziko azinzile, kwaye nawaphi na ixesha ibhanki inokupheliswa ilayisenisi. Isisombululo esifanelekileyo kukugcina iifomethi kwiingxelo ezahlukeneyo.
5. Iintsali zishiywe kwibhanki ye-piggy.
Yintoni abantu abaninzi abayenzayo xa bethola umvuzo - ukuhlawula iibhilikhwe, ukuthenga izinto eziyimfuneko kunye nokugcina imali kuphela, kwaye ngokuqhelekileyo iipeni zihlala. Enyanisweni, ngokuqhelekileyo ngenxa yokungalindelekanga, imali isetyenzisiwe, ejoliswe ekulondolozeni. Iingcali zincoma ukwenza okuchaseneyo, okokuqala, ukubeka imali kwi-akhawunti yokulondoloza. Kukulungele ukusetha umsebenzi wokutshintsha ngokuzenzekelayo ngemali kwikhadi lebhanki kwi-deposit yokulondoloza ekuqaleni kwenyanga okanye kwi-risithi nganye.
6. Isabelomali esingalawulwayo.
Ukuba injongo kukugcina imali, ngoko kufuneka uqalise ukubeka iliso kwenkcitho yakho nokulawula uhlahlo lwabiwo lwakho. Ngombulelo unokuqonda apho imali ihamba khona, apho imali isetyenziselwa ingqiqo kwaye yintoni ingasindiswa. Ngenxa yoko, kuya kubakho ukucwangcisa ikusasa kwaye ihlawule imali eyimfuneko.
7. Ukuhlehlisa, konke okusemandleni.
Abantu abaninzi, bezama ukugcina imali, bazikhanyela ngeendlela ezininzi, banqatshelwe ukuzonwabisa. Ngenxa yoko, impilo yengqondo iyabuhlungu kwaye umntu unqabile ukuziva unwabe kwaye ukufezekiswa kwephupha elilindele ixesha elide akuyi kuzisa nantoni na, ngoko khumbula ukuba yonke into ifanele ibe ngokumodareyitha.
8. Yiya kwisitoreji ngaphandle kohlu.
Cinga ngantoni na ukuba uye kwivenkile kwaye ungakhumbuli ukuba kungani uyeza, kodwa ekugqibeleni uye ekhaya ngeephakheji ezinkulu zokuthenga okungadingekile. Yingakho kucetyiswa ukuba kuhlanganiswe uluhlu lweempahla eziyimfuneko. Ngoko unokubulala iintaka ezimbini ngelitye elinye: uthenge yonke into oyifunayo, kwaye ugweme inkunkuma engadingekile. Ngaba ukwesaba ukulahlekelwa iphepha? Emva koko yenza uluhlu kwinkqubo ekhethekileyo kwifowuni yakho.