Cinga ukuba awukwazi ukutshintsha iholide yentsapho? AWUKHO wedwa.
Ucwaningo lwe-COUNTRY Financial Security Index lubone ukuba phantse isiqingatha sethu (44%) asicingi ukuba inokwenzeka ukuba intsapho ephakathi-ntsapho ithathe ikhefu ngaphandle kokuya kwii-tyala. Kwaye kwabangama-10 kuma-America basola ukungabikho kwemali njengesizathu sokungahambi okanye ukuthatha ikhefu okungenani kanye ngonyaka.
Le nto iyahambelana neendwendwe zenkcitho yeeholide ezivela kwisiqwenga se-FatWallet.com esibonisa ukuba phantse i-5 yesizwe samaMerika akalokothi athathe iholide kwaye amane kuphela kwi-10 kuthi athathe ikhefu enye ngonyaka.
Kwaye ukuziphatha kakubi kakhulu kwiintsapho, ngubani na onokuthi athathwe ngokukhawuleza xa kuziwa ngeeholide. Inhlolovo ye-FatWallet, abadala kunye nabantwana babengafani nokuthatha iiholide ezininzi kunyaka omnye, xa kuthelekiswa nabantu abadala abangenazo abantwana. Okuhambelana neengxelo zeSavey Family Vacation Survey ziphumo apho abazali babika ukuba bathathe ikhefu elifutshane kunabantwana abangenabo abazali.
Ukuziva imali-ehliweyo igcina iintsapho ezininzi zingabikho. E-COUNTRY Uphando lwemali, abangaphezu kweyesithandathu kuma-Amerika aseMelika (62%) bathi ukuhamba ngundoqo. Ngaphandle kwalabo baxelele ukuba abanako ukufumana ikhefu, ama-83 ekhulwini athi kubalulekile ukuhamba. Nangona kunjalo, bathi baya kuhlala ekhaya kunokubamba.
Ngaba ufuna iholide minyaka yonke? Yenza oku.
Buza nayiphi na ingcali yezemali: Indlela efanelekileyo yokufumana iholide oyifunayo kukuqala i-fund saving. Iingcali ziyacetyiswa ngokukhawuleza ukubeka ukutshintshwa okuzenzekelayo rhoqo ukuze imali ifike kwiakhawunti yakho yeholide ngaphambi kokuba uyilahle.
Ukwenza okuchaseneyo-ukubeka eceleni izinto eziseleyo ekupheleni komjikelo wokuhlawula-awusebenzi kubantu abaninzi. Khawuqwalasele oku: Ukuba unika i-$ 50 ngeveki, uza kuba ne-$ 2,600 kwiinyanga ezili-12.
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