Ikhono lokuphatha imali ngendlela efanele liyikhwalithi ebaluleke kakhulu ezimweni zezinkinga zezimali, lapho amandla okuthenga esibalo sabantu encipha, ukwehla kwamandla emali kukhuphuka, futhi amanani okushintshaniswa kwemali engalindelekile nhlobo.Ngezansi kunamaphutha avamile ahlobene nezindaba zemali kanye nezeluleko zokuhlela izimali ukuze usize ukuphatha izimali zakho ngendlela efanele.
Isabelomali siyinto eyisisekelo kakhulu ekuhlelweni kwezimali.Ngakho-ke kubaluleke kakhulu ukuqaphela lapho uhlanganisa isabelomali.Ukuze uqale kufanele uzenzele esakho isabelomali senyanga ezayo futhi ngemva kwalokho ungenza isabelomali saminyaka yonke.
Njengoba isisekelo sithatha umholo wakho wanyanga zonke, susa kuwo izindleko ezivamile njengezindleko zendlu, ezokuthutha, bese ukhetha u-20-30% emalini yokulondoloza noma yemali mboleko yezindlu.
Okunye okungasetshenziselwa ukuphila: izindawo zokudlela, ezokuzijabulisa, njll. Uma wesaba ukusebenzisa imali eningi, zilinganisele ezindlekweni zamasonto onke ngokuba nemali ethile elungile.
“Uma abantu beboleka, bacabanga ukuthi kufanele bayibuyisele ngokushesha,” kusho uSofia Bera, umhleli wezezimali oqinisekisiwe nomsunguli wenkampani yakwaGen Y Planning.Futhi enkokhelweni yayo sebenzisa yonke leyo mali.Kodwa akukhona neze okunengqondo ".
Uma ungenayo imali ngosuku lwemvula, esimweni esiphuthumayo (isb. isimo esiphuthumayo sokukhanda imoto) kufanele ukhokhe ngekhadi lesikweletu noma ungene ezikweletini ezintsha.Gcina ku-akhawunti okungenani ye-$ 1000 uma kwenzeka izindleko ezingalindelekile.Futhi kancane kancane wandise "i-airbag" inani elilingana nomholo wakho kuze kube izinyanga ezintathu-eziyisithupha.
"Ngokuvamile lapho abantu behlela ukutshala izimali, bacabanga ngenzuzo kuphela futhi abacabangi ukuthi ukulahlekelwa kungenzeka", kusho u-Harold Evensky, uMongameli wenkampani yokuphatha izimali i-Evensky& Katz.Uthe kwesinye isikhathi abantu abazenzi izibalo eziyisisekelo.
Isibonelo, ukukhohlwa ukuthi uma ngonyaka owodwa belahlekelwa i-50%, futhi ngonyaka olandelayo bathola i-50% yenzuzo, abazange babuyele endaweni yokuqala, futhi balahlekelwa imali engu-25%.Ngakho-ke, cabanga ngemiphumela.Lungela noma yiziphi izinketho.Futhi-ke, kungaba ukuhlakanipha ukutshala izimali ezitshalweni eziningana ezahlukene.
Isikhathi sokuthumela: Jan-15-2023