Yimalini ongayilondoloza kwingxowa yakho yengxakeko?

Icandelo lezezimali licebisa ukuba ubeke ecaleni iinyanga ezintathu ukuya kwezintandathu ezixabisa umrholo wakho wemini zikaxakeka.

Ndiyakholelwa ukuba le ngcinga indala kwaye isebenzisa indlela efanayo kumntu wonke yokubhalwa kwezimali.

Ngokuqinisekileyo, oku kufana nenani elikhulu kakhulu, kwaye kungenakufikelela kubantu abaninzi abaqhelekileyo.

Ngokweenkcukacha ezivela kwi-FNB ye-Retail yeklasi, malunga nama-56% wabathengi abaphakathi (abafumana imali engenayo yenyanga ngenyanga phakathi kweR7 000 ukuya kwiR60 000) eMzantsi Afrika bachitha yonke imali yabo ngenyanga okanye emva koko bayifumana.

Ufuna ngokwenene ukubeka bucala kwiimeko ezikhawulezileyo?

Ndiyakholelwa ukuba kukho izinto ezimbini eziza kudlala ngexesha eso sigqibo: ubuninzi bokungaqiniseki kufuneka ujongane kunye neyakho intuthuzelo.

Ukungaqiniseki kwakho ebomini bakho benkxasomali, obuninzi uya kufuna ukubanengxowa yakho kaxakeka. Ngokomzekelo, ukuba unomama ongatshatanga kwaye unenkampani yokutya, mhlawumbi uya kufuna ixesha elingangeenyanga ezintandathu (okanye ngaphezulu) kwingeniso yakho igcinwe. Okanye ukuba uye waba nomsebenzi ohlawulelwayo, uhlawulele ixesha elifutshane, wabelane ngemali kunye nomntu (njengomlingane), kwaye akukho bani uxhomekeke kuyo kwaye akukho mboleko yempahla, iinyanga ezintathu zikulungele.

Kodwa mhlawumbi unesigxina, umsebenzi ohlawulelwayo kwaye wabelana ngemali kunye nomntu osisigxina, iinyanga ezintathu azive ngathi unokhuseleko olwaneleyo kuwe. Kwimeko apho, gcina ngaphezulu. Yenza oko kukuvelayo kuwe. Musa nje ukugcina yonke imali yakho ngemali. Oku kunokukubiza kakhulu.

Emva kokuba ucacile kwinani lakho, izinto ezintathu zokukunceda uqale ukugcina.

Okokuqala: ityala lentengo ephezulu-nantoni na ngaphezulu kwe10% – ngaphambi kokuba uqalise. (Kulindele ukuhlawula loo matyala.)

Okwesibini: Fumana isikhokelo sokuhlawula isabelomali esiphezulu esilungeleyo ukusebenzela ubomi bakho. Oku kuyithandayo.

Okwesithathu: Sebenza indlela enyuke ngayo, kwaye usete iinjongo ezincinane apha endleleni. Mhlawumbi iinjongo zakho zokuqala ziR1,500, kunye neendleko zenyanga enye, emva koko zimbini, emva koko zintathu.

Ukugcina ifund yakho yongxamiseko:

Gcina i-fund yakho yengxakeko ngokukhawuleza. Kulungile, kungekho imali ephantsi komtatha, kodwa kwimali yemarike yemali.

Asincomo ukubeka iakhawunti yakho kaxakeka kwiakhawunti yesaziso okanye nayiphi na enye iakhawunti engakuvumeli ukuba urhoxise nanini na xa ufuna. Musa ukubeka ingozi kuyo.

Unokugqiba njani ukuba usebenzise i-fund yakho engxamisekileyo?

Ngokuqinisekileyo kwimeko engxamisekileyo: Nantoni na engalindelekanga ukuba kufuneka uyihlawule ngokupheleleyo. Kufuneka uhambe ukhangele umhlobo othandekayo.

Ngokuqinisekileyo kungekhona uxinzelelo: Izinto ofuna kodwa azidingi ngokwenene, okanye izinto onokuzigcina kuzo. Cinga izicwangciso zeeholide zokugqibela okanye i-spree shopping.

Kodwa kukho indawo ebomvu, kwaye loo nto iyahlukileyo kumntu wonke-nantsi ingcebiso yethu engcono kukukunceda.

Ukulondoloza ukuhlawulwa kweenyanga ezintathu ukuya kweyesithandathu, ukufumana imali, ngokukhawuleza nje, ngenye yezinyathelo zokuqala ongayenza ukuba ufuna ukulawula ikusasa lakho lemali.