Indlela yokulondoloza imali yokuqesha indlu
Dlulisela imali kwiakhawunti yakho yokonga ngosuku lokurhola. Ukuzama ukuyigcina kwiakhawunti yakho yokutshekisha kuya kukuhenda ukuba uyifake. Ukuba uyazi malunga nokuba yimalini onokuyigcina ngenyanga nganye, unokuseta i-odolo yokuma.
Ngemadlana encinci ebekelwe bucala, akusayi kubakho noodles iiveki ukuba imoto yakho yonakala. Unokubeka bucala imali ye-inshurensi yeziqulatho, nje ukuba ifowuni yakho igqibe ekubeni iwe phantsi kwezitepsi.
Ukugcina, ukucwangcisa, kunye nohlahlo lwabiwo-mali kuvakala njengamazwi othusayo, kodwa abantu basebhankini bayathanda xa bethethwa ngolo hlobo. Ke ukuba uthatha isigqibo sokuba ufuna imali-mboleko, ukuba nemikhwa elungileyo yokonga kuya kukuqalisa kakuhle.
Uyonga njani imali yokuqasha inyanga nenyanga
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Uyonga njani imali yendlu ngelixa urenta ireddit
Ukugcina idiphozithi kunokubonakala ngathi yeyona nto inzima ekuthengeni ikhaya. Nangona ukuba nediphozithi enkulu kukunika elona thuba lihle lokufumana imali-mboleko enenzala ephantsi, kukho iinketho ezikhoyo kubantu abanediphozithi ephantsi kunye noncedo lukarhulumente ukuze ukwazi ukufikelela kwizindlu.
Kukho iimali zokubambisa ezifuna idiphozithi ephantsi, phakathi kwe-10 kunye ne-15%. Kuya kufuneka ujonge ngakumbi ukufumana ezi zivumelwano, kwaye kufuneka ukhumbule ukuba ziya kukubiza ngaphezulu kwenzala kubomi bemali-mboleko kwaye zinokuthwala inzala ephezulu.
Ubude bexesha oza kuthabatha ukufika ngalo kuya kuxhomekeka ekubeni unokugcina malini nyanga nganye. Yiba nengqiqo ngoko unokukwazi ukukwenza. Kunokuba luncedo ukuseka i-odolo ye-debit ngqo yogcino losuku emva kokuqokelela.
I-akhawunti yokonga yofikelelo ngoko nangoko inokubonakala ikhululekile. Kodwa badla ngokuhlawula inzala esezantsi, kwaye ukuba awuyi kufuna imali iminyaka embalwa, awuyidingi kwangoko. Ngoko ke, kungcono ukuba ujonge i-akhawunti yokonga ixesha elide ekuhlawula inzala eninzi.
Indlela yokulondoloza indlu kwiminyaka emi-2
Ngaba iindleko zezindlu ziphezulu kancinci ukuthuthuzela kwakho? Asiyiyo yodwa. Abahlali kwizindlu zaseKhanada bayasokola nyanga nganye ngeendleko zokuyicutha: irenti. Nokuba ukhuthale kangakanani na, irenti isenokuba yenye yezona zinto zinkulu kuhlahlo lwabiwo-mali lwakho, nto leyo ethetha ukuba ukuzama ukonga imali yerenti kusenokuba sembindini weengxaki zakho zemali.
Enye yezona ndlela zinzima zokugcina imali kuhlahlo lwabiwo-mali oluqinileyo kunye nokunciphisa irenti kunye neendleko zezindlu kukwabelana ngendawo yakho. Oku kunciphisa ngoko nangoko irenti ibe sisiqingatha okanye isithathu semali obuyihlawula ekuqaleni. Kuyinyani ukuba uyakuncama ubumfihlo obuthile kwaye uthathe indima yokuqokelela irente. Nangona kunjalo, uyakonwabela ukonga okubalulekileyo onokukusebenzisa ukuhlawula amatyala, ukutyala imali ekuthengeni ikhaya lakho lokuqala okanye ukuxhasa ngemali iholide yamaphupha. Kwaye, kwixesha elizayo xa ufuna ukubamba ubusuku bemuvi okanye uziqhelanise nomsebenzi wakho omkhulu wokubonisa, abaphulaphuli bakho sele bekhona. Awukuthandi ukuhlala nomntu osisigxina? Usenokufuna ukucinga ngokurenta igumbi lakho elisecaleni kwa-Airbnb.
