ImaliPersonal Finance

Three Easy Iindlela Gcina Imali Yakho.

Idla kunzima ukuvuma, kodwa ubomi babantu abaninzi iquka eqhubekayo: indlu - zothutho - umsebenzi. Ukusuka kusasa ukuya ebusuku iintloko zethu ongenzi iingcinga ngemali, kodwa ngokucinezela imiba efana usapho kuloliwe kunina-veki okanye svokru ngokukhetha isipho kwiholide. Ngoko ke maxa wambi ngenxa zeveki inxeba ukuba ngamaxesha ezinqabileyo zolonwabo abanawo amandla okanye umnqweno ukucinga nto engundoqo - ukukhusela njani imali nzima.

Nangento engento! Ngenxa yokuba xa ebhala ukubala ukuba ingakanani na imali ilahlekile ngonyaka, koko amehlo ethu izakuvela umfanekiso pretty uxinezeleke. Emva konyaka, kunye ngamnye elishiywe nathi sum ajike eluthulini kwi-15% ukuya ku-20%. Apho imali unyamalale? emali kwabo odla!

Nto iphosakeleyo ngaloo nto, ukuba akukho ukunyuka, embi kwenye kuqoqosho. Into yokuba ukunyuka kwamanani asemthethweni kulo naliphi ilizwe athatyathwe-manani kunye nomfanekiso yokwenene ayibonisi. Xa ibhengeze ngokusemthethweni ngonyaka ka-6-9%, i-real izinga lokukhula kwamaxabiso phantse onke amazwe post-yiSoviet na iintlobo 15-20%. Yeyiphi ngokuqinisekileyo hits kwipokotho wonke umntu yaye ebangela kokucingisisa, "Ndingenza njani ukuze wonge imali yam?"

Ngelo xesha, imfihlelo ukugcina imali okumangalisayo lula kwaye ayifuni isicelo sakho naliphi ixesha elide okanye iinzame edinayo.

Eyona engundoqo iindlela zokonga imali isimanga ezintathu:

1) Ukuthengwa imali yelinye ilizwe.
Kwihlabathi amaninzi kumazwe aphuhlileyo kunye kuqoqosho olomeleleyo kunye nemiphumo emihle zemali. Kwemali yamazwe ngokuba nzima yaye ukuguqulelwa nazo. Ngokuthenga lwemali ezinjalo, utyala imali yakho kwi kuqoqosho amazwe ozinzileyo asakhasayo, zikhuselwe ngohlobo kwamaxabiso.

2) Ukuvula ifakwe kwibhanki.
Kuyinto elula ukuphikisana abo bacinga ukuba idipozithi yebhanki ukukhusela ngokugqibeleleyo kwamaxabiso. Kunoko, oku kuthambisa ilahleko ukuba bavale njengenxalenye arhente ezinokutsha. Esebenzisa intlawulo inzala kwi idipozithi, leyo ngoku uluhlu 6-9%, uya ukubuyisa bit ukuba balahlekelwe ngumhlaba. Ukuba, nayiphi na imeko, ingcono kakhulu nto.

3) Thenga amatye anqabileyo.
Eyona ndlela isebenzayo bathathu eboniswe apha. Ukutyala imali amatye anqabileyo luphawulwa elula yayo kunye nokuthembeka eliphezulu. Ngokungafaniyo nayiphi konke engamaphepha, amatye anqabileyo "njengoko kuyimfuneko" akayi uprinte, ngoko ke ixabiso kubo iminyaka ngeminyaka liya kukhula kuphela. Ngokuthenga isilivere, negolide, palladium kunye platinum akanakuba ukumoyika kuphazamiseka zendalo, lwezoqoqosho kunye nelwezopoliko, ingakumbi isiphumo esifanayo ifunyanwa ngokuthi ngokutyala amatye anqabileyo isithuba seminyaka 2-3.

Ukuba wayethanda nqaku, Wamkelekile kwi website yam money-technologies.com. On uya kufumana indlela ekulula ngayo kukugcina nokwandisa imali yakho!

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