Nolosha waxaa dhici kara waxyaabo aynaan qorshayn: shaqo lumis, baabuur xumaada, kharash caafimaad, ama xaalad kale oo degdeg ah.
Marka xaaladahan oo kale dhacaan, Emergency Fund wuxuu kaa caawin karaa inaad kharashka bixiso adigoon deyn cusub gelin.
Waa Maxay Emergency Fund?
Emergency Fund waa lacag gaar ah oo loo kaydiyo kharashyada degdegga ah ee aan la qorshayn.
Ma aha lacag safar. Ma aha lacag shopping. Mana aha lacag maalgashi.
Maxaad Ugu Baahan Tahay?
Waxay kaa ilaalin kartaa deyn cusub. Halkii aad Credit Card ama amaah isticmaali lahayd, waxaad isticmaali kartaa lacagta aad kaydsatay.
Waxay ku siinaysaa xasillooni. Waxaad ogtahay inaad haysato lacag kuu diyaar ah haddii xaalad degdeg ahi timaado.
Waxay ilaalin kartaa maalgashigaaga. Uma baahnid inaad Investments-kaaga iibiso si aad kharash degdeg ah u bixiso.
Imisa Ayaad U Baahan Tahay?
Hadafka koowaad: Ku bilow $1,000 ama hal bil oo kharashkaaga muhiimka ah.
Hadafka xiga: Isku day inaad gaadho 3 ilaa 6 bilood oo kharashkaaga muhiimka ah.
Haddii Income-kaagu aanu joogto ahayn ama aad Self-Employed tahay, waxaa laga yaabaa inaad u baahato 6 bilood ama ka badan.
Tusaale ahaan, haddii kharashkaaga muhiimka ahi yahay $2,000 bishii:
3 bilood = $6,000
6 bilood = $12,000
Halkee Lagu Hayaa?
Emergency Fund-kaaga ku hay:
Account gaar ah
Meel aad si fudud uga heli karto marka loo baahdo
Meel ka duwan lacagta aad maalin kasta isticmaasho
Ha ku hayn Stocks, sababtoo ah suuqu wuu hoos u dhici karaa xilliga aad lacagta u baahan tahay.
Fiiro gaar ah: Haddii aad ka fogaanayso ribada, dooro account aan Interest bixin ama la tasho aqoonyahan diinta ku xeel dheer si aad u ogaato waxa kuu habboon.
Sida Loo Dhiso
Deji hadaf. Ku bilow $1,000.
Samee account gaar ah.
Automate garee kaydkaaga. Xitaa $25 ama $50 mar kasta oo mushahar kuu soo galo.
Isticmaal lacagaha dheeraadka ah. Tax Refund, Bonus, ama lacag kale oo aanad filayn.
Yaree hal kharash. Lacagtaasna Emergency Fund-ka u dir.
Dib u buuxi. Haddii aad isticmaasho, bilow inaad mar kale buuxiso.
Goorma Ayaad Isticmaalaysaa?
Is weydii saddex su’aalood:
Ma lama filaan baa? Ma lagama maarmaan baa? Ma degdeg baa?
Haddii jawaabtu saddexdaba haa tahay, waxay u badan tahay inay tahay xaalad Emergency Fund-ka loogu talagalay.
Bilow Maanta
Emergency Fund-ku waa qayb ka mid ah Xoriyad Dhaqaale Checklist, oo kaa caawinaya Budgeting, Saving, deyn bixinta, iyo Investing.
Download Xoriyad Dhaqaale Checklist →
Maqaalkani waa waxbarasho, mana aha financial advice.