Ungawugcinela njani umhlalaphantsi kumvuzo ophantsi?

amagqabantshintshi gcina imali yomhlalaphantsi xa unomvuzo omncinci? Lo mbuzo uvela rhoqo xa ubhala Finance de Demain. Namhlanje, siza kucinga ngayo kunye ukuze sifumane into emasiyenze.

Ukuba kukho iqhinga ezemali zobuqu phantse wonke umntu uvumelanayo ngexabiso lokugcinela umhlala-phantsi, okanye ubuncinane kwisenzo sakho sesibini.

Kuya kufika ixesha apho ungasafuni okanye ungasakwazi ukwenza umsebenzi owenzayo ngoku kwaye uqhubela phambili kuya kubangela ukuhla okubonakalayo kumvuzo wakho.

Ngelo xesha, uya kukuvuyela ukufumana yonke ithontsi yokonga. Ubomi ngaphandle kokulondoloza umhlalaphantsi bunokuba nzima kakhulu. Kule meko, imali inokuba lucelomngeni lokwenene.

Inqaku ekufuneka lifundwe: Uyithengisa njani i-cryptos yakho ❓

Ukuba negalelo kwizinto ezinjengomhlala-phantsi kunokuba nzima ukuzithethelela xa unexhala lokugcina irenti ihlawulwe okanye ingxolo eyoyikisayo evela kwimoto yakho okanye uqinisekise ukuba wonke umntu unokutya okwaneleyo.

Kodwa iintsapho ezinemivuzo ephantsi ziwugcina njani umhlala-phantsi wazo? Kweli nqaku, ndikunika ezinye iimpendulo kule nkxalabo.

Nangona kunjalo, ukuba uthenga uqeqesho lwam kwi-Master ngemali yakho yobuqu uMqulu 1 okanye uMqulu 2 wolu qeqesho, uya kufunda ngakumbi malunga nendlela yokunciphisa amatyala kwiintsuku ezingama-21 okanye ngokulula indlela yokunciphisa uxinzelelo lwakho lwezemali.

Kuzo zonke iimeko, Cofa kule khonkco ukwazi ngakumbi.

🌿 Qala ngoku. sukulinda

Xa kuziwa ekulondolozeleni umhlalaphantsi, kungcono ukonga nokuba isixa esincinci ngoku kunokulinda kude kube kamva ukwenza oko.

Gcina kangangoko unako ngokukhawuleza kangangoko unako, nokuba loo mali ungayonga ngoku ziidola ezimbalwa ngeveki.

Inqaku eliza kufundwa: Indlela yokubhala isicwangciso soshishino esiqinisekisayo?

Kutheni le nto ibaluleke kangaka nje? Oku kungenxa yamandla enzala ehlanganisiweyo.

Masithi uzakuthatha umhlala-phantsi xa uneminyaka engama-70 kwaye ngelo xesha utyalo-mali lwakho lomhlalaphantsi luzakuba lufumana i-8% ngonyaka.

Makhe sithathe umzekelo

Masithi unokuhlawula kuphela i-$ 500 ngonyaka - ngokoqobo i-$ 10 ngeveki, kunye nekhefu leeveki ezimbini.

• Ukuba uqala ukwenza ukuba kwi 40, uya kuba $50 imali yomhlalaphantsi.
• Ukuqala ukwenza ukuba kwi 30, uya kuba $160 imali yomhlalaphantsi.
• Ukuba uqala ukwenza ukuba kwi 20, uya kuba $370 imali yomhlalaphantsi.

Kutheni kukho umahluko omkhulu kangaka? Yinzala edibeneyo. Ukuba utyala imali yakho kwaye uyiyeke ihlale apho kwaye ikhule, iya kukhula ngokukhawuleza kwaye ikhawuleze xa ihlala ixesha elide.

Ngoko ke okukhona uqala ukonga ngokukhawuleza, kokukhona unika ixesha elininzi. Ukuba ukhetha ukulinda iminyaka eyi-10, ulahlekelwa kakhulu ukukhula.

Yonke into ilula: yenza ngoku, nokuba unokuthatha amanyathelo amancinci.

🌿 Beka phambili imali yakho yemihla ngemihla

Awona manyathelo okuqala abalulekileyo onokuthi uwathathe awayondeleli umhlala-phantsi kwaphela. Zibandakanya ukulungisa imali yakho yemihla ngemihla.

Mhlawumbi sele kukho imiqobo yezemali kwindlela yakho eyenza kube nzima ukonga ngokufanelekileyo xa uthatha umhlala-phantsi, ngoko yinyamekele ngokukhawuleza.

Okokuqala, hlawula eyakho inzala ephezulu. Naliphi na ityala onalo elinenzala ephindwe kabini kufuneka liphele. Ikhadi letyala. Imali-mboleko yosuku lokuhlawula. Zisuse ngokukhawuleza kangangoko unako.

Okwesibini, yenza i-a ingxowa mali yongxamiseko. Yeka ukuthembela kumakhadi okuthenga ngetyala okanye kwimali-mboleko yomhla wokuhlawula kwiimeko ezingxamisekileyo. Qala ngokufaka imali kwi-akhawunti yokonga kwenye indawo – kwaye ukuba akunayo okanye akukwazi ukuyifumana, qalisa ukuyigcina ekhaya okwangoku.

Inqaku lokufunda: Yenza imali ngokulula kwiCoinbase

Ekugqibeleni uya kufuna ukufumana i i-akhawunti yokugcina ebhankini, ekufuneka ukwazi ukuyenza xa sele uqokelele imali.

Unokukwazi njani ukwenza ezi zinto? Phila ngexabiso eliphantsi kangangoko. Kulungile ukuba uphumle kwaye uphathe ngokwakho, kodwa jonga iindlela zokwenza ezingabandakanyi imali ephuma epokothweni yakho.

Splurge ekuhambeni okude ngaphandle kweselfowuni yakho. Mema umhlobo wakho ukuba enze into simahla. Lahleka kwincwadi evela kwithala leencwadi. Sukwenza izinto eziphambeneyo ngokuthenga izinto okanye ukuhlawula amava.

🌿 Qala encinci kwaye ngokuzenzekelayo

Nje ukuba imali yakho yemihla ngemihla izinzile, qala ukugcina kancinci. Awudingi ukunikela ngamawaka eedola ngenyanga kumhlalaphantsi. Enyanisweni, kuya kwenza ukuba imali yakho ingazinzi kwaye ikushiye ubi nakakhulu.

Endaweni yoko, qala ngokunikela ngento ebonakala ngathi yimali elawulekayo. Yehla, hayi phezulu. Ukuba ucinga ukuba unako lawula i-$ 10 ngeveki, gcina i-$ 10 ngeveki. Ukuba unako ukuphatha ngakumbi, yenza njalo, kodwa ungayityhali.

Inqaku eliza kufundwa: Amaqonga okudala kunye nokuthengisa iikhosi ze-intanethi

Ungcono ukonga kancinci kwaye ugcine imali yakho yemihla ngemihla izinzile kunokuzama ukonga kakhulu kwaye uzifumane usengxakini.

Nantoni na ogqiba ukuyigcina, yenze ngokuzenzekelayo. Ukuba kungenxa yesicwangciso somsebenzi, yikhuphe ngokuzenzekelayo kumvuzo wakho.

Ukuba sisicwangciso sakho (jonga ngezantsi), sikhuphe ngokuzenzekelayo kwi-akhawunti yakho yokutshekisha veki nganye.

Awufuni ukucinga ngayo, okanye uya kufumana iindlela zokuthetha ngayo. Qala kancinci, qalisa ngokuzenzekelayo.

🌿 Yandisa ukonga kwakho xa umvuzo wakho unyuka

Ukuba ufumana ukonyuswa, sebenzisa inxalenye yayo ukwandisa iminikelo yakho yomhlalaphantsi.

Ngokomzekelo, ukuba ufumana i-$1 ngeyure ngaphezulu kunangaphambili ngokusebenza iiyure ezingama-35 ngeveki, nyusa igalelo lakho ngeveki ye-5 okanye i-$ 10. Usagoduka kakhulu kunangaphambili, kodwa wonga ngaphezulu.

Njengoko ufumana umvuzo othe chatha, uya kuyimpompa indlela yakho yokuphila kancinci, nto leyo ethetha ukuba uya kufuna ukonga ngaphezulu ukuze ugcine indlela yokuphila engcono kumhlalaphantsi.

Inqaku eliza kufundwa: Yintoni utshintshiselwano olunatyisiweyo?

Ke ngalo lonke ixesha ufumana ukonyuswa, bekela bucala oko kunyuselwa kwixesha elizayo. Ukutshintsha ngokulula umnikelo wakho ozenzekelayo ngalo lonke ixesha umvuzo wakho unyuka.

🌿 Thatha inzuzo yekhredithi yokonga

Kukho eneneni inzuzo yerhafu enomdla kakhulu kodwa eyaziwa kancinci kubantu abarhola imivuzo ephantsi abafaka isandla kugcino lomhlalaphantsi. Yiloo nto esiyibizayo ikhredithi yomgcini kwaye iya kunceda ngokwenene ngexesha lerhafu.

Kuxhomekeke ukuba ungaphezulu kweminyaka eyi-18, awungomfundi wexesha elizeleyo kwaye awubanganga njengomntu oxhomekeke kwirhafu yomnye umntu, unokufumana ikhredithi efikelela kwi-$2 yeminikelo yesicwangciso somhlalaphantsi, zombini ngezicwangciso zobungcali okanye isicwangciso sakho somntu ngamnye.

🌿 Isishwankathelo…gcina imali yomhlalaphantsi

Eyona nxalenye ibalulekileyo yokulungiselela umhlala-phantsi ukuba awunamvuzo uphezulu kukuzinzisa iindleko zakho kwaye ulungelelanise iimali zakho, kodwa kufuneka ukwenze oku ngoku kunokuba ukwenze kamva.

Inqaku eliza kufundwa: Utshintshiselwano oluphakathi lusebenza njani ❓

Okukhona uqalisa ngokukhawuleza, kokukhona unokufaka isandla ngokukhawuleza kwimali oyongele umhlalaphantsi, kwaye okukhona uqala ngayo ngokukhawuleza, kokukhona iya kukhula egameni lakho.

Ngoku ukuba ufuna ukwenza nzulu uqeqesho lwakho ekulungiseleleni umhlalaphantsi wakho, ungacofa eli khonkco loqhagamshelwano ukuthenga uqeqesho endilufumene lugqibelele kakhulu.

Ngaphezu koko, njengoko ndakuchazelayo kwelinye lamanqaku am, yayiluqeqesho olwandivumela ukuba ndidibanise isicwangciso sam somhlala-phantsi.

Zonke iinkxalabo zakho kwizimvo