Iingcebiso zokonga

Amaqhinga gcina

Ukugcina ngumkhwa Oko kuyenziwa, kwaye kuyinto enqabileyo ukuyifumana, kuba uninzi lwabantu luzifumana lusematyaleni okanye inkcitho edlula umvuzo. Ngenxa yoku kunokubonakala ngathi ukonga ngumsebenzi ongenakwenzeka ukuba sifuna ukuqala ukuhlakulela lo mkhwa, nangona kunjalo, kunokwenzeka ukuba sisebenzise amaqhinga athile okusindisa, ngendlela enokuthi ingadinisi okanye ingenakufezekiswa, kwaye kukuba xa sisebenzise la maqhinga, kuya kuba lula kakhulu qala ukuhlakulela umkhwa wokonga, kwaye oku kuya kusivumela ukuba sibe neziphumo ezingcono kakhulu. Kodwa masiqale ngokuthetha malunga nokuba yintoni lamaqhinga okusindisa.

Iingcebiso zokugcina

Eyokuqala kukwenza ukonga ngokulandelelana. Esinye sezizathu eziphambili zokuba kube nzima ukonga kukuba ekuqaleni kunokubonakala ngathi iinzame zethu zifikelela kwi-euro ezimbalwa, ngenxa yoko sihlala sisebenzisa imali yethu encinci esiyongileyo. Ngoku, ukugcinwa ngokulandelelana kuthetha ukuba lonke ixesha elithile, iiveki okanye iinyanga, sifaka kwi-piggy bank okanye kwi-akhawunti yebhanki isixa semali esimiselwe yile ndlela ilandelayo.

Okokuqala iTurk ukugcina

Kuxhomekeke kwikota, kule meko siza kubeka umzekelo ngeveki, siya kugqiba a Isixa sokuqala sokugcinaUmzekelo i-euro ezili-10. Ngale ndlela, kwiveki yokuqala kuya kufuneka sibeke ezi-euro zili-10, kwiveki yesibini kuya kufuneka sifake i-euro ezili-10 kunye nee-euro ezili-10, oko kukuthi, iyonke iyure ezingama-20. Ukusuka kwiveki yesithathu zimbini iindlela ezinokuthi zilandelwe, eyokuqala kukuba kwiveki nganye edlulayo sidibanisa ii-euro ezifanayo ezili-10; Okwesibini kunokwenzeka kukuba senze ushwankathelo olulandelayo, oko kukuthi kwiveki yesithathu kuya kufuneka songe i-euro ezingama-30 (10 + 20 kwiveki yokuqala neyesibini ngokwahlukeneyo).

Ndiyayithanda lento iqhinga liya kuba nomda, Ewe, kuyakufika iveki apho isixa ekuza kufuneka ukuba sigcine sidlula amathuba ethu (umzekelo, kwiveki ye-10 kuya kufuneka songe i-euro ezingama-110, okanye ezingama-550 kuxhomekeke kwisixa-mali sethu kwiveki yesi-3), kuyacetyiswa kakhulu ukuba Masiphakamise injongo yokonga ngexesha, oko kukuthi amaxesha ethu okonga zii-5 okanye mhlawumbi iiveki ezi-6, emva koko siqale umjikelo kwakhona.

Ukubeka eli qhinga ekusebenzeni kunokwenzeka ukuba ngexeshana elifutshane kakhulu sonyusa isixa esikhulu semali, ukongeza ekusincedeni ukuba senze i Ndiphila ixesha elide ukugcina imali yethu.

Icebo lesibini lokugcina

Amaqhinga gcina

Icebo lesibini eliluncedo kakhulu ukugcina kukujonga isixa esithile somvuzo wethu wenyanga wolondolozo. Ukuthatha umzekelo, siza kugqiba ukuba i-15% yomvuzo wethu wenyanga okanye ngeveki uza kwabelwa imali esiyigcinileyo, ukuze xa sifumana umvuzo wethu i-15% iye ngqo kwingxowa-mali yethu yokonga. Eli qhinga lokonga lilula kwaye liyasinceda ukwenza ukonga umkhwa, into engalunganga kule ndlela yokonga kukuba sinokuphelelwa lithemba kuba asiqokeleli mali ingako, kuba kuya kufuneka silinde iiveki ezimbini okanye inyanga ukuze sikwazi ukubona umzamo wethu olandelayo, ngelixa i Ukugcina ngokulandelelana inokuba, ukuba sigqibe njalo, kangangeentsuku.

Enye ye imingeni ephambili Into esiza kujongana nayo sisikhuthazo sokuchitha le mali kwinto esiyifunayo, ngakumbi iya kuba yinto eza kwenzeka kuthi kwityeli ezimbalwa zokuqala, apho singekenzi umkhwa. Nangona kunjalo, uncedo lwale ndlela kukuba njengoko ixesha lihamba sinokuba nomkhwa owenziwe kakuhle kwaye sinako nokunyusa isixa-mali esabelwe ukonga ngendlela, umzekelo, ngonyaka okanye ngenyanga, esenza ukuba ulondolozo lwethu lonyuke ngokukhawuleza.

Icebo lesithathu lokugcina

Icebo lesithathu esinokuthi silisebenzise ukonga kukufumana ibhanki yehagu, nokuba siyayithenga okanye siyiphucula ekhaya ngebhotile, injongo iya kuba yile mini nemini sizisa injongo yethu yokonga kwisitya. Injongo yokonga inokuba zonke iingqekembe ze-euro ezintlanu ezidlula ezandleni zethu akufuneki zichithwe kwinto, kodwa siya kulinda de kube sekupheleni kosuku ukuba sizibeke ebhankini yehagu; Enye yeenjongo ezinokubakho kukwazisa umthetho othile oyilwayo, okanye mhlawumbi zonke iingqekembe esizifumanayo yonke imihla. Le ndlela iyonwabisa kuba ngokungafaniyo namaqhinga amabini angaphambili, kwibhanki yethu yehagu ngekhe sazi ukuba yimalini egciniweyo, kuba iimali ezifakiweyo ziya kwahluka mihla le.

Enye inzuzo yoku indlela yokugcina kukuba siza kwenza umkhwa wokufaka imali kwi "akhawunti" yokonga. Ke kwixa elizayo kuya kuba lula ngakumbi ukonga ngakumbi ngobungakanani kwaye ngendlela engaguquguqukiyo.

Ezinye iingcebiso zokugcina

Amaqhinga gcina

Zimbini iindlela zokwenza oku iqhinga lokugcina, Okokuqala kukumisela usuku esiza kuvula ngalo ibhanki yethu yehagu; Olunye ukhetho kukuba sithathe isigqibo sokuvula i-piggy bank kuphela xa igcwele ngokupheleleyo. Zombini ezi ndlela ziya kusivumela ukuba songele injongo ethile kwaye senze umkhwa wokonga.

Icebo lesine lokusindisa

Icebo lesine esinokulenza ukugcina Enye yezona zinto zisebenza kakuhle, kodwa enye ifuna amandla amakhulu kunye nokuziphatha, ngaphezu kolwazi oluthile lwezemali. Kwaye kungenxa yokuthintela ukuba sichithe imali, okanye sinayo nje imi kwibhanki yehagu okanye kwiakhawunti yebhanki; singafaka imali esiyigcinileyo kwiakhawunti yotyalo-mali. Nangona kunjalo, akubalulekanga ukuba sibe nolwazi olunzulu ngezixhobo zotyalo-mali, njengoko kungabalulekanga ukuba sibe nezakhono zotyalo-mali.

Kodwa ukuba kubalulekile ukuba, umzekelo, sidibane nebhanki yethu, zeziphi iindlela ezinokusinika zona ukuze imali yethu ivelise inzuzo.

Ngoku ka Iinkalo ezi-3 ezisisiseko, Ibhanki iya kuba nakho ukusinika olona khetho lufanelekileyo lokuqhuba utyalo-mali lwethu.

Eyokuqala ye Imiba emi-3 yindlela yotyalo-maliKuba zikhona ezinye iiakhawunti ezivumela umsebenzisi ukuba akhethe utyalo mali, ngelixa kwezinye iindlela ezinikezelwayo kukho umntu ophetheyo ekwenzeni utyalo-mali, kunye naxa ixesha lifikile lokuqokelela iziqhamo zotyalo-mali. Nabani na olawula imali yethu uya kugcina inxalenye yenzuzo njengekhomishini yolawulo lweakhawunti yabo.

Umba wesibini lixesha apho sifuna ukutyala imali kulo; Njengomgaqo jikelele, ixesha elide apho sityala imali yethu, kokukhona inzuzo esiya kuyifumana ngenxa yotyalo mali. Ngale ndlela sinokukhetha utyalomali lweentsuku ezimbalwa, iiveki ezininzi, iinyanga okanye iminyaka. Lo mbandela ukwabandakanya inyani yokuba sifuna ukuba umvuzo ubonakaliswe ngamaxesha athile, umzekelo, ngenyanga, okanye ukuba kwelinye icala sikhetha ukuba umvuzo uboniswe ekupheleni kwexesha lotyalo-mali.

Inqaku lokugqibela eliza kuqwalaselwa ukuze sikwazi ukunikwa ukhetho lotyalo-mali kukuba umngcipheko onokuthi kangakanani kwaye sifuna ukuwuthatha; Njengoko kusaziwa, umngcipheko omkhulu wokuphulukana nemali yethu okanye owe capital yethu uyancipha, kokukhona inzuzo iya kubonakala; sisigqibo sethu ukuba sifuna ukubeka emngciphekweni imali yethu engakanani.

Amaqhinga gcina

Elinye iqhinga esinokulisebenzisa ukugcina imali kukumisela isixa esithile semali ngenyanga ukuthenga izinto ezingalahlekiyo njengexabiso, njengobucwebe; Eli cebiso liluncedo kwabo bakufumanisa kunzima ukugcina imali ezinkozo. Enye yeenzuzo eziphambili zeli qhinga kukuba sinokonga okoko nje sinomdla wokufumana into enomdla kuthi.

Ukungancedi Eyona nto ibalulekileyo ekufuneka siyikhankanyile kule ndlela yokonga kukuba kusoloko kunokwenzeka ukuba xa ufuna ukuguqula amatye anqabileyo abe yimali ukuze sikwazi ukuzenzela into esiyifunayo, kunzima kakhulu ukuthengisa konke. iigugu ukuze kubalwe imali.

Ngaphandle kokungalunganga, oku indlela yokugcina Iluncedo, kuba kwimeko yesinyithi esixabisekileyo, abaphulukani nexabiso labo, kodwa, ngokuchaseneyo, njengoko ixesha lihamba kunokwenzeka ukuba ixabiso lazo lonyuke, lisenze ukuba singagcini ngokugcina, kodwa sityala izixhobo zenzuzo ethile yexesha elizayo.

Isiphelo

Ukugcina kubaluleke kakhulu kuba kuya kusivumela ukuba sifezekise iinjongo eziphezulu njengokufumana izindlu nomhlaba. Kwelinye icala, ngumkhwa onokuphuhliswa nokuba asinayo ngoku.

Ukubeka naliphi na kula maqhinga ekusebenzeni kuqinisekisa impumelelo kwinjongo yethu yokonga, nangona kunyanzelekile ukuba sikhankanye ukuba yonke into iya kuxhomekeka kuqeqesho nakukuzimisela kwethu, kodwa umvuzo uya kufaneleka kuba ekuhambeni kwexesha iya kuba lixesha lokwenza Sinomkhwa wokonga kwaye sizuze kakhulu kwimali yethu yobuqu.


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