Kyauta Mai Ƙididdige Manufar Tattara Kuɗi
Tsara manufar tattara kuɗi ta hanyoyi uku: nawa lokaci za a ɗauka kafin a kai ta, nawa za a ajiye kowane wata don kai wata kwanan wata, ko nawa za a samu. Ya haɗa da zaɓuɓɓukan riba mai ƙari, jadawalin girma, da rarrabuwa na shekara-shekara.
Ƙarin zaɓuɓɓuka (ƙarin shekara-shekara, ajiya ɗaya, haraji)
Lokacin kaiwa $ 25,000
shekara 5 wata 10
ana ajiye $ 300/wata a 4.5%
Rarrabuwa na shekara-shekara
| Shekara | An bayar | Riba | Ma'auni |
|---|---|---|---|
| 1 | $ 4,600 | $ 121 | $ 4,721 |
| 2 | $ 8,200 | $ 413 | $ 8,613 |
| 3 | $ 11,800 | $ 884 | $ 12,684 |
| 4 | $ 15,400 | $ 1,542 | $ 16,942 |
| 5 | $ 19,000 | $ 2,395 | $ 21,395 |
| 6An kai manufa | $ 22,600 | $ 3,454 | $ 26,054 |
💡 Ana ɗauka ƙima tabbatacce ne kuma gudummawa tsayayye, ana ƙara riba kowane wata. Ainihin ƙimar ajiya na canzawa, saboda haka ka ɗauke wannan a matsayin kiyasin shirya kawai. Dukkan lissafi yana gudana a burauzar ka — babu abin da ake aikawa ko'ina.
Yadda Yake Aiki
Shirin ajiyar kuɗi bisa manufa a hanyoyi guda uku. Ban da mai lissafin riba mai haɗuwa, wanda ke ƙara babban jarin da aka riga aka kayyade — wannan yana amsa tambayoyin da mutane ke yi na gaske game da kai wa ga burin ajiya.
- 1Zaɓi tambayarka"Sai yaushe zan kai burina?", "Nawa zan buƙaci ajiyewa a kowane wata?", ko "Nawa zan samu?" — kowane tsari yana tambaya kawai abubuwan da yake buƙata.
- 2Shigar da lambobinkaMa'auni na farko, gudummawa ko burin, adadin riba, da tsawon lokaci ko kwanan burin. Zaɓi haɗuwa ta yau da kullun, wata-wata, ko shekara-shekara.
- 3Duba shirinSami amsar tare da hoton haɓaka da rarrabuwa na shekara-shekara na gudummawoyi da ribar da aka samu.
Duk lissafi suna aiki a burauzarka. Lambobin kuɗinka ba sa taɓa aika zuwa ko'ina.
Kayan Aiki Masu Alaƙa
Mai Lissafin Ritaya & 401(k)
Ka tsara ajiyar ritayarka da gudummawoyi, dacewar mai aiki, haɓakar albashi, da hauhawar farashi — sannan ka ga sakamakon a dala na yau. Yana aiki gaba ɗaya a burauzarka.
Na'urar Lissafin Nauyi Mai Kyau
Nemo kewayon nauyin lafiya na tsayinka tare da tsofaffin dabarun nauyin jiki mai kyau (Devine, Robinson, Miller, Hamwi). Kara nauyinka don BMI ka da gibin zuwa nauyi mai lafiya. Awo ko na Ingilishi, na sirri kuma kyauta.
Na'urar Lissafin Zakka
Lissafta zakka (2.5%) a kan tsabar kuɗi, zinari, azurfa, kadarorin kasuwanci da tanadi bisa nisabin zinari ko azurfa — a kuɗinka, gaba ɗaya a na'urarka.