Wonke umntu, njengokuba uyayazi, ngumsizi wakhe lonwabo. Kuyafana okufanayo malunga nentlalo-ntle, emva koko, abantu abanengqiqo ebusheni babo abakucinganga nje malunga nendlela yokugcina inxalenye yengeniso yabo, kodwa nokuba yintoni ekutyalomali ukuba isebenze khona. Kule ndlela kuphela unokwandisa ingeniso yakho.
Kutheni ungeke ukwazi ukugcina imali "phantsi kweemitha"?
Ngaphambi kokujongana nombango wendawo ongayisebenzisa ngayo imali yokusebenza, makhe sibone isizathu sokuba kubalulekile ukuba sikwenze.
Kukho into efana nokunyuka kwamaxabiso. Ungakhathazeki kwaye ukhumbule imiqathango eyahlukeneyo yezoqoqosho, uqonde ukuba yonke unyaka imali iyancipha. Ukuphawula oku kulula, khumbula, unyaka odlulileyo kwi-X imali unokufumana ezininzi iimveliso ezifanayo kunoko ngoku.
Ukuba ukunyuka kwamaxabiso yeso sizathu sokuba imali elandelwayo ayikwazi ukugcinwa ekhaya, kufuneka ifakwe imali.
Uphi utyalo-mali olufanelekileyo lokusebenza?
Ngoku makhe sibuke umbuzo malunga nokuba ngaba kukho kuphela indlela ethembekileyo, ethembekileyo yokwandisa inani eliqokelelwayo. Iingcali zithi, okokuqala, namhlanje akukho ndlela ekhuselekileyo yokukhuphela kuphela, kodwa nokugcina iindleko. Ibhanki inokutshisa, ngokuqinisekileyo, njengendlela yonke inkqubo, izitokiselwano kunye nezinye izibambiso ziyawa, kunye negolide kunye nexabiso lexabiso lempahla liye lahla.
Okwesibini, kubalulekile ukuba uqonde ukuba ummandla ngamnye unabodwa kwaye kufuneka uqwalaselwe xa ukhetha indlela yokwandisa inani elichaziweyo. "Indlela yonyani kuphela" ayikho. Kodwa kunjalo kunokwenzeka kwaye kuyimfuneko ukujonga iindlela ezahlukeneyo, kuba namhlanje yindlela ephela yokungalahlekelwa yimithetho-mali kwaye ayivumeli ukuba iyancipha phantsi kwexabiso lentengo.
Kuphi ukutshala imali encinci ukuze isebenze?
Uninzi lweengcali zincoma ukuba ukuba unomncinci wemali, vula i-akhawunti yebhanki kunye nethuba lokuzaliswa. Okokuqala, ngoko unako ukwandisa inani elichaziweyo ngokukonga kwakhona. Okwesibini, umyinge wesantya owenzelwa ibhanki kuya kuncinci ukunciphisa umonakalo owonakalisayo wokunyuka kwamaxabiso.
Ngokuqinisekileyo, ukukhuseleka ngokupheleleyo imali kwaye ukwandisa kakhulu inani ngenxa yenzalo ayiyi kusebenza. Kodwa ungaqala ngalo.
Kuphi utyalo-mali ukusebenzela?
Emva kwemali kwi-akhawunti ikhula ngokubanzi, unokwahlula kwiingxenye ezi-2, kungekhona ngokulinganayo, enye enye ekutyalomali ekuthengweni kwezabelo kunye nemali yokubambisana, kwaye ushiye isibini njenge-inshurensi.
Iziqinisekiso zizisa imali engaphezulu. Kodwa ngexesha elifanayo kukho umngcipheko ukuba izabelo ezithengiweyo ziza kuwela kwixabiso. Ngendlela, ngakwesinye icala, ukuba ungaphumeleli ithuba lokufumana imali, nangakolunye uhlangothi, ungalahlekelwa yinto yonke xa ungaphumeleli, kwaye kufuneka uhlulwe ukwahlula kwiindawo ezimbini.
Kukho ezinye iindlela ezininzi
Okwesibini, unako kwaye ufanele utyalomali kwi-real estate. Emva kwakho konke, kwiminyaka emashumi amva nje kuye kwakhula ngokuthe xaxa kwintengo, oku kuthetha ukuba ngomso unokuthengiswa kakhulu. Yaye imali yokuqeshisa ipropati ingaqwalaselwa ingeniso engenayo. Ngendlela, iingcali ezininzi, ziqwalasela izinto ezikhoyo zanamhlanje, zikholelwa ukuba ukutyalomali ekuthengeni amafulethi kunye nezinye iindawo eziyimpahla yindlela ekhuselekileyo yokunyusa inkunzi.