Isingeniso kwiNkcazo yeMali eQhe le kileyo yoNonophelo
Kukho iinkalo ezininzi zokunyamekela umntu onesifo sokukhubazeka, kwaye enye inokuthi ithatyathwa ngokungathandabuzekiyo iyayiphatha imali. Xa ukukhathazeka ngokukhawuleza kukuxhomekeke kuwe, unokuziva uzilungele ukuthatha uxanduva oluninzi oluza kunye nendima. Nangona ngokugqithiseleyo kugxininiswe kumntu othandayo ngokomzimba nangokwengqondo, impilo yabo yezemali ekugqibeleni iya kubaluleka.
Nantsi isikhokelo kwezinye zeziganeko ezixhamlekileyo zabanakekeli abajongene nazo xa bengena ekuncedeni ukulawulwa kwemali ethandekayo yomntu okhubazekile.
Ulwazi, Ukufikelela, kunye neengxaki zoLawulo
Nangona akusoloko kuyimfuneko ukuthatha iimali zomntu othandekayo, kukho iimeko apho umnakekeli uya kufuneka ukuba angene kuyo kwaye ancedise ukuphathwa kwemali yomntu okanye athathe ngokupheleleyo. Umntu ogula kakhulu okanye ukufunda ukuhlala kunye nokukhubazeka kwakhe akanakho ixesha okanye iingqondo ezifunekayo ukuhlawula iibhidi, iipresimesi okanye ukwenza iifomethi kwiibhanki zebhanki.
Ukwenza izinto zibe nzima nakakhulu, awukwazi ukuqaphela zonke iindleko, iinkqubo zomshuwalense, okanye ii-akhawunti zebhanki ezingabakho abakhubazekile. Ngoko isinyathelo sokuqala kukufumana yonke into ehleliweyo kwaye uyazi into ojongene nayo. Isinyathelo esilandelayo kukubona ukuba luphi uhlobo lokufikelela okanye ukulawula olufunekayo ukukunceda okanye ukulawula imicimbi yezemali.
Nangona unokuba ngumncedisi wabo oyintloko, ukukhubazeka komthandayo akukwaneli ukunikezela okanye ukulawula kwimicimbi yabo yezezimali.
Igosa lingafuneka ukuba ufanele uthabathe imali yomntu omdala ongasakwazi ukunyamekela imali yakhe. Ukuba umntu obathandayo engenayo amandla anokuhlala eGqwetha okanye ohlala kuyo uya kukunika ufikelelo kunye nokulawula imali yazo xa ukhubazekile, unokufuna ukuba uthathe amanyathelo omthetho ukuqinisekisa ukuba unalo igunya olilifunayo.
Ukulawula iiNkcazo zeNgeniso, iiBill, kunye neBhanki
Enye yeendlela ezilula ukulawula umvuzo wakho kumntu oyithandayo kukusekela iifomethi ngqo kwiakhawunti yakhe yasebhanki. Iipasithi ezizenzekelayo zifumaneke kwiinshorensi ezininzi zokukhubazeka ezifana neentlawulo ze- SSDI . Ukubeka idipozithi ngqo kuyo yonke imithombo yengeniso kuya kunciphisa inani lamaxesha apho wena okanye umthandayo uya kufuneka enze uhambo oluya kwibhankini.
Ukongeza kwi-deposit ngqo, kukho ezinye izixhobo zebhanki ezikwazi ukulawula iibhanki zebhanki kunye neendleko ezilula. Izixhobo ezifana nokuhlawulwa kwebhilikhi ye-intanethi kunye neebhanki kwi-intanethi kunokunika amandla okuthumela i-akhawunti yebhanki kunye nokuhlawula iindleko kwi-intanethi kunokuba ungene kwibhankini okanye ukuhlolwa kwegama. Iindleko eziphindaphindayo zingasetyenziselwa ukuba zihlawulwe ngokuzenzekelayo ngosuku olufanayo nyanga zonke, ukuqinisekisa ukuhlawulwa kwexesha-mali ngaphandle kweebhanki okanye kwiofisi yeposi.
Ukulawula iiAkhawunti zeRhafu noTyalo-mali
Ukuba umntu okhubazekileyo unotyalo-mali njengamasheya kunye nezibophelelo kwi-akhawunti ye-broker ehlukeneyo, kuya kufuneka ukuba uqaphele ezo akhawunti kunye ne-asethi. Ukuba umntu okhubazekileyo unako, banokuzongeza njengomnini-akhawunti odibeneyo ukuze wenze izigqibo malunga nokuthenga okanye ukuthengiswa kwee-stocks. Njengamanye ama-akhawunti eemali, i-Power Sustainable of Attorney okanye i-trust trust inganika igunya elifunekayo.
Okanye wena kunye nomthandayo ungagqiba ekubeni ushiye ulawulo kunye okanye ngaphandle kwegunya lokuthatha izigqibo kunye nomcebisi wezezimali.
Ngokubhekiselele kumashishini athile anjengamakhoboka okugcina imali, ininzi ingabuyiselwa ngamagama angeziwe kubo nje kuphela xa bengekho ngenyanga enye yokukhula. Iifom zokubuyisela isibophelelo zingalandwa kwi-website yeSebe le-Nondyebo yase-US, okanye zifumaneke kwibhanki yendawo. Ukuba kukho igama elingaphezu kwelilodwa kwi-bond kunye negama elithi "kunye" liphakathi kwamagama amabini, bobabini abantu mabawusayine isibophelelo ukuze bahlawule. Ukuba igama elithi "okanye" liphakathi kwamagama amabini, elinye iqela lingakwazi ukuhlawula imali.
Ukongezelela, abaxhamli banokuthiwa ngegama kwiimbobo zokugcina imali.
Iinshorensi
Kubaluleke kakhulu xa kulawulwa kwemali yomnye umntu ukuba uqaphele yonke imigaqo-nkqubo ye-inshorensi kunye nama-premium awo kunye / okanye iinzuzo. Ngokomzekelo, ngelixa abaninzi abamukeli beMedaretha baneempesimali zabo zomgaqo-nkqubo ezithathwe ngokuthe ngqo kwiintlawulo zabo zokukhubazeka kweNtlalo , abanye abakwenzi. Iimali-ntlawulo kufuneka zihlawulwe ngexesha lokuqinisekisa ukuba iindleko zonyango zomntu ozithandayo zifunyenwe. Uyakufuna kwakhona ukuqwalasela nayiphi na i-short-term okanye ixesha elide ukukhubazeka okanye i-inshorensi yenkxaso yexesha elide.
Ukuba unomdla wokunakekelwa yinshuwalense yomnye umntu, ingaba yinto efanelekileyo ukuthetha nommeli womshuwalense wendawo ukuba uqiniseke ukuba unelungelo elifanelekileyo lokunika ingxelo. Ukuqwalasela kubandakanywa ukukhawulelwa kwexesha elifutshane kunye nexesha elide kunye nenkxaso yokuxhaswa kwemithi.
Indlela yokuCwangcisa phambili kweengxelo zeMali
Akunakwenzeka njalo ukucwangcisa phambili ukukhubazeka komntu othandekayo, kodwa inxalenye encinane yentlangano ingaqinisekisa ukuba xa kwenzeka ukugula ngokukhawuleza okanye ukukhubazeka, ukuba ubumnyama malunga nolwazi olubalulekileyo alukhathaleli
Ukugcina amaphepha ebalulekileyo kwindawo enye, njengeenombolo ze-akhawunti yebhanki, iinkqubo zomshuwalense kunye neikopi zamaphepha omthetho, kunokukwenza kube lula ukuthatha imali yomnye umntu xa kufuneka imfuneko. Ngaphandle koko, uthando luyakwazi ukuhlela phambili ngokusayinela amandla ahlalayo e-Agqwetha ekuthiwa njengomntu onokuyenza egameni lawo ukuba abanako ukwenza oko ngokwabo. I-intando ephilayo iyakuthatyathwa ukubiza umnakekeli ukuba enze izigqibo malunga nokunyamekela kwabo impilo xa bekhubazeka.
Into engcono kakhulu ongayenza kubathandekayo bakho kukuxoxisana ngemali kunye namalungu entsapho kunye nabanakekeli abamanyanisiweyo ngaphambi kokuba kubekho ingxaki. Kuza kunika wonke umntu uxolo lwengqondo ukwazi ukuba kukho isicwangciso semali esele sinyamekele umntu omthandayo.