Xa ugxininise ekufinyeleleni iinjongo zakho zemali , kubalulekile ukufumana iindlela zokugcina imali kulo lonke uhlahlo lwabiwo-mali. Okungakumbi ongayigcina , ngokukhawuleza uza kuba nokufikelela kwiinjongo zakho. Inceda ukwenza ukonga njengokulula kunokwenzeka. Le mivuzo yokugcina imali iya kwenza kube lula kuwe ukugcina imali kwiindleko zakho zemihla ngemihla ngaphandle kokuzama ukukunceda ufinyelele iinjongo zakho zemali.
01 Sebenzisa i-Apps ukugcina imali
Kukho ii-apps ongazisebenzisela ukuthenga nge-intanethi nakwikhaya eza kukunceda ugcine imali. Ukufakela kwaye uhlolisise ngaphambi kokuthenga kungenza ukugcina kulula. Kukho iinkonzo ezinobumba ezifana neCartwheel ngoThagethi okanye into efana ne-Ibotta eya kukunika isaphulelo ekuthengeni ukutya. Kukho iinkqubo ongazisebenzisayo ukufumana amaqabane amnandi kwiindawo zokudlela zendawo okanye ezinye izinto. Oku kwenza kube lula ukugcina imali kwizinto ozenzayo kwaye ukhangele ukonga xa usenza. Ukutshintshela kwiCash for Most Expenses
Esinye isicwangciso ongayisebenzisa ukuhlawula imali ngemali yakho yansuku zonke . Abantu abaninzi abayekanga ukucinga ngemali abayichithayo xa beswayipha i-debit okanye ikhadi lekhredithi. Nangona ikulungele ukukhupha isinyathelo sokucinga malunga nokuba sele uchithe kangakanani. Ukusebenzisa imali kukho inzuzo ezimbini. Okokuqala, yenza ukuba uqaphele ngakumbi ukuba uchitha ixesha elingakanani njengoko ufuna ukubala ukuba ungubani umniki-mali. Okwesibini, lenza njengendlela yokuyeka ukuchitha imali ngenxa yokuba awukwazi ukuchitha imali ongenayo. Ukuze le nto isebenze, awukwazi ukusebenzisa i-debit yakho okanye amakhadi wesikweletu. Unokufuna ukushiya amakhadi ekhayeni xa uya kuthenga. 03 Yeka ukuthenga kwiivenkile zokutya
Kukho umlinganiselo omkhulu wexabiso kuxhomekeke apho uthenga khona. Ukuba kukho into ekulungeleyo, iyancipha ngakumbi. Ngokomzekelo, i-soda ye-16-oz kwisitoreji esilungeleyo ingaba malunga ne-$ 2 ibhotile. Kwivenkile yokuthenga, ungathenga i-pack pack ayisithupha. Iindleko ezahlukeneyo yi-$ 7 ipakethi. Ukuba usela ezimbini i-sodas ngosuku, ukugcina imali kungongeza kwi-$ 70 ngenyanga. (Iindleko zenyanga nganye kwi-store ekulungeleyo yi-$ 120 kwiibhotile ezingama-60 kwaye ivenkile yokuthenga i-$ 50 kwi-10-pack pack.) Ukufanisa okufanayo kunokwenziwa ngekhofi okanye ngokutya ngaphandle kokulungiselela ukutya kwakho ekhaya. 04 Sika iiBills zakho zesevisi
Abantu abaninzi bacinga ukuba akukho nto ongayenza ukuze utshintshe iibhidi zakho zokusebenzisa. Kukho iindlela zokulondoloza imali ongayisebenzisa ukuhlawula ixabiso leenkonzo zakho. Qala ngokufaka iintloko zokuhlamba eziphantsi eziphantsi. Ungasetha i-thermostat yakho encinci ebusika kwaye iphakame kakhulu ehlobo. Thatha ixesha lokutywinwa imivumba ejikeleze iifestile kunye neengcango zakho. Kufuneka ufumane ukugcina okwenene okuza kudibanisa kunyaka. 05 Yeka ukuhlawula inzala
Enye yezinto ezintle ongayenza ukuba ufuna ukufikelela kwiinjongo zakho zemali kukuyeka ukuhlawula umdla inyanga nganye. Ukuba usebenza ekuphumeni kwetyala, ungazama ukunciphisa inani olihlawulayo ngenzala . Shayela inkampani yekhadi lesikweletu ukuba ubone ukuba ingaba ne-interest rate. Ungaphinde uthumele iikhredithi kwikharityhulam yekredithi engenasithakazelo ukukunceda ukuba ulondoloze xa uhlawula ityala lakho. Ingxelo yakho iya kukubonisa indlela inkokhelo yakho yenyanga ehamba ngayo inzala inyanga nganye. Ukuba uhlawula kuphela ibhalansi encinci , kuya kuthatha iminyaka ukuhlawula ityala lakho. 06 Phatha ukutya kwakho emva kweveki
Abantu abaninzi baphela ekuthengeni baphuma ngenxa yokuba bakhathele kakhulu ukulungiselela nokupheka ukutya ekupheleni kosuku. Isicwangciso esisodwa sokujongana nalokhu kukulungiselela ukutya kwakho ngeveki ngosuku olunye. Oku kunokuthetha ukupheka nokuphelisa ukutya kwakho ukuze konke okufuneka ukwenze kukutshisa xa ufika ekhaya. Umpheki ophuzileyo unokukwenza kube lula ukupheka. Ungasebenzisa isicwangciso esifanayo kwaye upake ukutya kweentsuku zakho ngeveki ngeCawa ukugcina ixesha kunye nemali. 07 Ngaba Ukuzilungisa nokuzilungisa
Enye indlela yokugcina imali kukunyamekela ulondolozo kwaye uzilungise ngokwakho. Oku kungafaka isicelo kwindlu yakho kunye nemoto yakho. I-intanethi yenza kube lula ukufumana iividiyo eziza kukuthatha ngokusebenzisa inkqubo yokutshintsha ioli okanye ukulungisa umququzi wakho, kwaye unako ukugcina imali ngokuyalela inxalenye kwaye uyenze ngokwakho. Ukuba kukutshitshisa, buza umntu owaziyo ukuba ahambe ngayo okokuqala ngqa. Unokumangalisa indlela elula ngayo kwaye ukugcinwa kungakongeza ngokukhawuleza. Ngokomzekelo, ungagcina unyaka ngamnye ngokukwenza ioli yakho iyitshintshe. 08 Zama Ukuthenga Ukusetyenziswa
Enye inketho kukuzama ukuthenga ukusetyenziswa endaweni entsha. Oku akunakusebenza kuyo yonke into, kwaye unokugqiba ukusebenzisa into njengento yokubambisa uze ugcine kwaye uhlawule imali ngemodeli oyifunayo. I-Craigslist ne-eBay yenza kube lula ukujonga izinto ezisetyenzisiweyo. Izithengiso zokuthengiswa kweevendi kunye nempahla yokuthumela impahla nazo zinokukhetha okulungileyo. Ukuba uqala ngokukhangela imicimbi, unokumangaliswa ukuba ungalondoloza buninzi kangakanani. Kunceda ukuba ube nomonde kunye nexesha ukuze ukwazi ukulinda ukuthenga uze ufumane into epheleleyo. 09 Lindela Ngaphambi kokuba ixabiso lihlawule ukuthenga
Ukuba ufuna ukuthenga into emini ekuphumeni kwayo, ngoko uya kuhlawula ixabiso elipheleleyo le nto. Ukuba unako ukulinda, ngokuthe rhoqo ixabiso liza kuhlawula into. Esi sicwangciso sisebenza kakuhle ngekhompyutheni kwaye sinokusebenza nezambatho. Ukuba ungumntu ofuna ukufumana imodeli yakutshanje okanye i-teyys yezinto zobugcisa, le nto ingaba luhlengahlengiso olukhulu, kodwa luyakwenza ukuba umehluko wendlela ochitha ngayo. 10 Ngaba umntu uthengela
Ukuba unzima ngokubambelela kwiluhlu okanye ukuthengwa kwempembelelo, ngoko unako ukusindisa ngokuba nomnye umntu ekuthengayo. Oku kuyona ndlela isebenzayo kwiintengiso zakho zokuthenga. Kukho izitolo ezininzi eziza kukuthenga ngezehla okanye umrhumo omncinci kwaye konke okufuneka ukwenze kukuthabatha ukutya. Kukho iinkonzo eziza kuhambisa ukutya kwikhaya lakho okwenza kube lula. Ndidla ngokuchitha imali engaphezulu kwama-5 emali ekuthengeni ukunyanzelisa xa ndithengisa kwaye imali kunye nexesha elilondoloziweyo lifanelekile.