Imali e-United Kingdom ikalwa ngamaphawundi sterling (pounds sterling), abhalwa njenge-GBP noma kusetshenziswa uphawu lwe-£. Iphawundi elilodwa linamapeni ayikhulu. Abantu abaningi bathola amaholo noma izinzuzo zabo kwi-akhawunti yasebhange noma yenhlangano yokonga nokubolekisa (building society). Bese bekhokha ngekhadi ledebhithi, ngokudlulisa imali ebhange, ngokudonswa kwemali ngokuqondile (Direct Debit), ngemali engukheshi noma ngesikhwama sedijithali. Isabelomali siqhathanisa imali engenayo nokusetshenziswa okuvamile nokungajwayelekile. Izindleko zezindlu, amandla, ukudla, ezokuthutha, intela yomkhandlu (council tax), ezokuxhumana nokunakekelwa kwezingane yizigaba ezivamile zemindeni. Ukonga kunikeza imali yezimo eziphuthumayo nokuthenga okuhleliwe. Amanye ama-akhawunti avumela ukufinyelela kalula, kanti amanye akuvuza ngokushiya imali ingasetshenziswa isikhathi eside. Ikhredithi ivumela umuntu ukuthi asebenzise imali manje ayikhokhe kamuva. Ama-overdraft, amakhadi esikweletu, izimali mboleko zomuntu siqu, izimali mboleko zezindlu nokuthenga ngesitolimende (hire purchase) kusebenza ngezindlela ezahlukene, kodwa konke kungadala izindleko nezibopho zokukhokha. Umshwalense udlulisela izingozi ezithile kumhlinzeki womshwalense ukuze kukhokhwe imali ethile. Ungavikela ikhaya, imoto, uhambo, imali engenayo, impilo, ukuphila noma impahla, kuncike emigomeni yepholisi. Intela kanye noMshwalense Kazwelonke (National Insurance) kusiza ukuxhasa izinsizakalo zomphakathi nokuvikelwa komphakathi. Ezinye izimali ziqoqwa ngokuzenzakalelayo ngohlelo lokukhokhelwa kwamaholo, kanti enye imali engenayo noma inzuzo kungase kudingeke kubikwe. Ukutshala imali kuhlose ukukhula kwesikhathi eside kodwa inani lingehla. Izimpesheni, ama-akhawunti okutshalwa kwezimali, izikhwama zokutshala imali, amasheya namabhondi ngakunye kufeza izidingo ezahlukene futhi kunezingozi ezahlukene. Ukuphathwa kahle kwezezimali kuhlanganisa zonke lezi zingxenye. Izinkokhelo ezibalulekile nezikweletu ezibizayo ngokuvamile kudinga ukunakwa ngaphambi kokusetshenziswa ongakukhetha noma ukutshala imali okukhulu.
Ezezimali e-United Kingdom
Ezezimali e-United Kingdom ziphathelene nokuthola, ukugcina, ukusebenzisa, ukuboleka, ukuvikela nokukhulisa imali. Uhlelo olucacile luxhumanisa izinkokhelo zansuku zonke nokonga, izikweletu, umshwalense, intela nezinjongo zesikhathi esizayo. Ukuqonda amagama ambalwa asetshenziswa kule ndawo kwenza kube lula ukusebenzisa lolu hlelo.
Qala ngokufunda ukuthi imali yakho iya kuphi nokuthi yiziphi izinkokhelo okungafanele ziphuthelwe. Yakha isinqolobane esincane sokuphepha, bhekana nezikweletu ezibizayo, futhi uzivikele ezingozini ezingaphazamisa kakhulu umuzi wakho. Khetha imikhiqizo yezezimali kuphela ngemva kokuhlola inhloso yayo, imithetho yokufinyelela kuyo, izindleko zayo nezingozi zayo.
Amabhange
Amabhange e-United Kingdom ahlinzeka ngama-akhawunti okwamukela, ukugcina, ukusebenzisa nokuboleka imali. Izinhlangano ze-building society zinikeza izinsizakalo eziningi ezifanayo futhi zingezamalungu azo. Ama-akhawunti amanje, amakhodi e-sort code, ama-Direct Debit nama-standing order ayingxenye ebalulekile yokubhanga kwansuku zonke.
Ukutshala
Ukutshala imali e-United Kingdom kusho ukufaka imali ezimpahleni ezingase zikhule ngenani noma zikhiqize imali engenayo ngokuhamba kwesikhathi. Izindlela ezivamile zihlanganisa izimpesheni zasemsebenzini, izimpesheni zomuntu siqu, ama-akhawunti okutshalwa kwezimali, izikhwama zokutshala, amabhondi, namasheya. Imbuyiselo ayiqinisekile, ngakho isikhathi, izindleko, ukusabalalisa ubungozi, nobungozi konke kubalulekile.
Izindleko
Izindleko e-United Kingdom ziyahlukahluka kakhulu ngesifunda, umuzi, uhlobo lwezindlu, nendlela yokuphila. Izindlu, intela yomkhandlu wendawo, amandla, ukudla, ezokuthutha, ukuxhumana, nokunakekelwa kwezingane kuyizindawo ezivamile zesabelomali. Ukubheka izikweletu ezivamile nezindleko zezikhathi ezithile kunikeza isithombe esinokwethenjelwa kakhudlwana.
Izikweletu
Izikweletu e-United Kingdom zihlanganisa ukusetshenziswa ngokweqile kwe-akhawunti yasebhange, amakhadi esikweletu, imali ebolekiwe, izikweletu zezindlu, ukuthenga ngokuqasha, izikweletu ezingakhokhiwe neminye imali ekweletwayo. Izikweletu ezahlukene zinezindleko, izivumelwano nemiphumela ehlukene. Ukuthatha isinyathelo kusenesikhathi kungavikela izinsizakalo ezibalulekile futhi kuvimbele inkinga elawulekayo ukuba ibe yinhlekelele.
Izintela
Izintela e-United Kingdom zixhasa izinsizakalo zomphakathi futhi zisebenza emalini engenayo, emsebenzini, ekuthengeni, empahleni, emabhizinisini nakwezinye izinzuzo noma ukudluliselwa kwempahla. I-HM Revenue and Customs, evame ukubizwa nge-HMRC, iphethe uhlelo olukhulu lwentela lukazwelonke. Izindleko zempahla zendawo neminye imithetho kuyahlukahluka phakathi kwezizwe ezine.
Umshwalense
Umshwalense e-United Kingdom usiza imindeni namabhizinisi ukuphatha umthelela wezezimali wezenzakalo ezingaqinisekile. Ipholisi ichaza okuvikelekile, okungafakiwe, inani elikhokhwa ikhasimende nendlela izimangalo ezisingathwa ngayo. Omunye umshwalense uyimpoqo ngokomthetho ezimweni ezithile, kanti omningi uwukuvikela okungaphoqelekile.
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