Ikhono lokulawula imali ngokufanelekileyo libaluleke kakhulu umgangatho kwiimeko zobunzima bezemali, xa amandla okuthenga abantu ehla, ukunyuka kwamaxabiso kunyuka, kunye nemilinganiselo yokutshintshiselana ngemali ayinakuqikelelwa ngokupheleleyo.Apha ngezantsi kukho iimpazamo eziqhelekileyo ezinxulumene nemicimbi yemali kunye neengcebiso zocwangciso lwezemali ukunceda ukulawula imali yakho ngokufanelekileyo.
Uhlahlo lwabiwo-mali yeyona nto isisiseko kucwangciso lwezemali.Ngoko ke kubaluleke kakhulu ukuba silumke xa siqulunqa uhlahlo lwabiwo-mali.Ukuqala kufuneka uzenzele olwakho uhlahlo lwabiwo-mali lwenyanga ezayo kwaye kusemva kokuba wenze uhlahlo lwabiwo-mali lonyaka.
Njengoko isiseko sithatha umvuzo wakho wenyanga, thabatha kuyo iindleko zesiqhelo njengeendleko zendlu, ezothutho, kwaye emva koko ukhethe i-20-30% kwi-savings okanye intlawulo yemali mboleko.
Eminye isenokusetyenziselwa ukuphila: iindawo zokutyela, ulonwabo, njl.njl. Ukuba uyoyika ukuchitha imali eninzi kakhulu, zilinganisele kwiindleko zeveki ngokuba nesixa esithile semali esele ilungile.
“Xa abantu beboleka, bacinga ukuba kufuneka bayibuyise ngokukhawuleza,” utshilo uSofia Bera, umcwangcisi oqinisekisiweyo wezezimali kunye nomseki wenkampani ye-Gen Y Planning.Kwaye kwimbuyekezo yayo chitha yonke loo mvuzo.Kodwa akukho ngqiqweni. "
Ukuba akunamali ngemini yemvula, kwimeko kaxakeka (umzekelo, ulungiso lwemoto olungxamisekileyo) kufuneka uhlawule ngekhadi letyala okanye ungene kumatyala amatsha.Gcina kwi-akhawunti ye-1000 yeedola ubuncinane kwimeko yeendleko ezingalindelekanga.Kwaye ngokuthe ngcembe wandise "i-airbag" kwisixa esilingana nomvuzo wakho ukuya kwiinyanga ezintathu-ezintandathu.
"Ngokuqhelekileyo xa abantu beceba ukutyalomali, bacinga kuphela ngenzuzo kwaye abacingi ukuba ilahleko inokwenzeka", utsho uHarold Evensky, uMongameli wenkampani yolawulo lwemali Evensky & Katz.Uthe ngamanye amaxesha abantu abazenzi izibalo ezisisiseko zemathematika.
Ngokomzekelo, ukulibala ukuba ukuba ngonyaka omnye balahlekelwa yi-50%, kwaye kunyaka olandelayo bafumana i-50% yeenzuzo, abazange babuyele kwindawo yokuqala, kwaye balahlekelwa yi-25% yokulondoloza.Ngoko ke, cinga ngemiphumo.Zilungiselele naluphi na ukhetho.Kwaye kunjalo, kuya kuba bubulumko ukutyalomali kwizinto ezininzi ezahlukeneyo zotyalo-mali.
Ixesha lokuposa: Jan-15-2023