Ukuba uziva unyanzelekile kwimeko yakho okanye ukuba awukwazi ukufikelela ngaphambili kungakhathaliseki ukuba wenzani, kufuneka wenze utshintsho oluthile endleleni ophethe ngayo imali yakho. Kufuneka uyeke ukuxhoma imali yakho kwaye uqale ukwenza utshintsho. Le mingeni ihluka ngokude kodwa ingenza umehluko omkhulu ekusebenzeni kwakho ngemali kunyaka.
01 Qala uhlahlo lwabiwo-mali
Ukuba unzima ukuphatha iimali zakho, mhlawumbi kufuneka uqale uhlahlo lwabiwo-mali. Isabelomali sakho sixhobo sakho esihle sokutshintsha ikusasa lakho lemali. Ukuba awukho uhlahlo lwabiwo-mali kwinyanga nganye, kufuneka uhlele uhlahlo lwabiwo-mali ngoku. Ukuba unomhlahlo lwabiwo-mali, kodwa alusebenzi, thatha ixesha lokujonga indlela yokulungisa uhlahlo lwabiwo-mali ukuze uqale ukwenza imali yakho isebenze. 02 Sika iiBill zakho zenyanga
Into elula ongayenza ukutshintsha umfanekiso wakho wezezimali kukunciphisa iindleko zakho zenyanga . Oku kunokwenziwa ngeendlela ezimbalwa, ekunciphiseni iindleko zakho zesebenzi ukukhetha ababoneleli abahlukeneyo bomshuwalense kunye nezinye iinkonzo. Thatha ixesha ngoku ukusika ubuncinane enye yeebhili zakho kwiinyanga ezimbalwa ezizayo. 03 Khansela iC Cable
Ukuba uvakalelwa kukuba imali yakho ayiyikulawula okanye ufuna ukufikelela kwiinjongo zakho zemali ngokukhawuleza, kufuneka uqikelele ukusika ikhebula . Kukho ezinye iindlela ezikuvumela ukuba ubukele imbonakalo oyithandayo ngaphandle kokuchitha itoni nganye ngenyanga. Kukho ukhetho ukuba awufuni ukuyeka imingeni yakho yemidlalo. 04 Yeka Ukutya ngaphandle
Enye yezindlela ezinkulu zokuchitha imali yakho kukutya. I-splurge yeso sihlandlo inokuba yinto efanelekileyo, kodwa ukugcina imali kunokuyongeza xa uqala ukupheka ekhaya kunokutya ukutya ngalunye suku. Thatha umngeni wokuyeka ukutya ngokupheka ekhaya ubuncinane ngeveki. Ngeveki ezayo, qalisa ukuthatha isidlo sakho seentsuku ukusebenza. Unokumangaliswa ukuba ungalondoloza buninzi kangakanani. 05 Cwangcisa Imenyu Yenyanga
Ukuba imbono yokupheka ubusuku bonke isabisa kuwe, ukucwangcisa imenyu yenyanga kungenza kube lula kakhulu. Into enhle malunga nokucwangcisa inyanga yonke kukuba unokwenza ibheki yokupheka okanye ukucoca. Kwenza kube lula ukuyithengisa kwaye uqinisekise ukuba uchithe ukutya okuncinci kuba ukhulula ukusebenzisa zonke izithako ozithengayo. Enye indlela yokusebenzisa inkonzo yokucwangcisa imenyu ukunceda ukwenza ukupheka nokuthenga kulula. 06 Funda iNcwadi NgeziMali zaBantu
Ukuba ufuna ukutshintsha into ethile ngemali yakho, kodwa awuqinisekanga ukuba ungaqala kuphi, kufuneka uqikelele ukufunda incwadi malunga nesihloko. Ukuba ufuna ukuphuma kwetyala, kufuneka uqaphele i -Total Money Makeover nguDave Ramsey . Imali Yakho okanye Ubomi Bakho yinto efundwayo enkulu ekunceda ukhangele indlela olawula ngayo imali yakho.
07 Funda malunga noTyalo-mali
Enye yezinyathelo ezibalulekileyo zokwakha ubutyebi kukuqala ukutyalomali. Ukuba imbono yotyalo-mali iyatshitshisa uze uqale ukufunda malunga. Bhalisa kwiklasi malunga nokutyalomali okanye ukuzama inkqubo okanye insiza ekuvumela utyalo-mali xa usebenza ngaphandle kwetyala. Unokufumana umcebisi wezemali onokukunceda uqonde ukuthengisa. 08 Beka iinjongo ezibonakalayo
Thatha ixesha lokubeka iinjongo osebenza kuzo. Ukuba awunayo izinto ezithile osebenzela kuzo, kunzima ukuziphoqa ukuba ugcine unyaka ngamnye. Njengoko ubeka iinjongo zakho qinisekisa ukuba ziyiyo . Awufuni ukudimazeka ngenxa yokuba ufuna ukuhlawula i-$ 40,000 kwi-matyala ngonyaka nje kuphela xa wenza i $ 30,000 kuphela. Yenza indlela yokulandelela iinjongo zakho ukwenzela ukuba ubone ukuba ufeze kangakanani. Oku kunokukunceda uhlale kumzila xa usebenza kwixesha elide. 09 Misela iSicwangciso seMali
Isicwangciso semali kubalulekile ukuba ufuna ukufezekisa iinjongo ezithile. Isicwangciso sakho sezemali siya kuseka ixesha elibalulekileyo kwizinto ezibaluleke kakhulu ebomini bakho. Kuya kukukunceda ukubeka phambili iinjongo zakho, kuba kudla ngokugqithiseleyo ukugxila kwelinye okanye ezimbini kwiinjongo. Esi sicwangciso sifanele sibandakanye izinto ezifana nokuthenga ikhaya, ukulondoloza umhlalaphantsi, nokuhlawula imfundo yekholeji yakho. 10 Ukuhlawula amatyala akho
Enye yezinto ezinobugqwetha ongayenza kukuba uthabatha ininzi ityala, ngokukodwa ityala lekhadi lesikweletu. Ukuba ufuna ukutshintsha umfanekiso wakho wezezimali kwaye ufumane amathuba amaninzi emali, kufuneka usebenze ekuhlawuleni ityala lakho ngokukhawuleza. Ukuseka isicwangciso sokuhlawula amatyala namhlanje kwaye usethe iinjongo ezinokukunceda ukuhlawula ngokukhawuleza. 11 Yeka Ukusebenzisa Iikhadi Zakho Zemali
Ukuba unzima ukuphelisa inyanga nganye nyanga, unokuba uthembela kwiikhadi lakho lekredithi ukuze ufumane. Nangona kunjalo, ukuba ufuna ngokwenene ukutshintsha umfanekiso wakho wezezimali, kufuneka uyeke ukusebenzisa amakhadi akho ekwereta . Ukuba uqhubeka ubeka imali kumakhadi akho, uya kugqiba ukuhlawulwa ngokuthe rhoqo kwinyanga nganye kwaye unciphisa imali enokukufumana yona. Shiya amakhadi akho ekwerethi ekhaya, kwaye ufumane ulawulo lwebhajethi yakho ukuze uqale ukutshintsha umfanekiso wakho wezezimali. 12 Qaphela iNgxowa-mali yakho yabafundi
Iimali-mboleko zakho zabafundi ziyakulandela emva kweeminyaka ukuba awuyizicwangciso malunga nabo. Ingaba ufuna ukudibanisa , bona ukuba unelungelo lokuxolelwa kwemali mboleko yomfundi okanye ubeke nje kwisicwangciso sakho sokuhlawula ityala, kufuneka wenze okuthile malunga nokubolekwa kwabathengi bakho ngokukhawuleza. 13 Qala Ukulondoloza Iveki nganye
Omnye umceli mngeni ukubeka imali ekugcinweni kwiveki nganye. Le nto ingaba yimali oyifumanayo ngokusindisa kubhajethi yakho yokutya nganye ngenyanga. Ingaba ngumlinganiselo obekiweyo obeka bucala kwi-paycheck nganye. Khangela iindlela zokwandisa ukonga kwakho . Qala uhlawule ngenyanga. Kungekudala imali iya kuqala ukunyusa. Qala nge $ 20 ngeveki, uya kugqiba nge-$ 1,000 ngonyaka. 14 Yiya kwi-Spending Fast
Olunye umceli mngeni onokukunceda ukukhawuleza ukuchitha imali yakho ukuhamba ngokukhawuleza . Ukuchitha imali ngokukhawuleza apho uyeka ukuchitha imali ixesha elimiselweyo. Ngokuqhelekileyo le nyanga idla ixesha elide kunye neendlela ezingenayo igesi kunye nemali elincinci yokutya. Oku kunokukunceda utshintshe imikhwa yakho kwaye uhlolisise into oyifunayo ngokuchasene noko ufuna. 15 Khusela ukugcina kwakho
Ukuba ulungele ukubeka imali ekulondolozeni inyanga nganye, kodwa kubonakala ngathi ukulinganisela kwakho ukulondoloza akuyi kukhula ngokwenene, unokufuna ukuthatha amanyathelo okukhusela ukugcina kwakho. Ezi zinto zinokuba izinto ezifana nokuhambisa imali yakho kwi-bhanki ye-intanethi okanye ukuqala i- fund yangxamisekileyo . 16 Ukwandisa imali yakho yokugcina umhlalaphantsi
Kufuneka uqale ukugcina umhlalaphantsi ukususela ngexesha uqala umsebenzi wakho wokuqala. Ukuba usebenza ekuphumeni kwetyala, galela kumdlalo owenziwe ngumqeshi wakho. Ukuba ungaphandle kwetyala, sebenzela ukwandisa ukonga kwakho kude ube negalelo malunga neepesenti ezili-15 zomvuzo wakho. 17 Fumana Imithombo Yongezelelweyo Imali
Ngamanye amaxesha imicimbi yezemali ayichithanga imiba, kodwa imiba engeniso. Kwakulungile nokuba nomthombo omnye wemali engenayo. Oku kunikeza ukuzinza okongeziweyo, ngakumbi ukuba ungatshati okanye ungumntu ongenamvuzo. Khangela iingcinga ezikuvumela ukuba uvelise ingeniso kwicala okanye ngaphezu komsebenzi wakho. Ingeniso encomekayo yindlela enkulu yokwakha ubutyebi okanye ukufumana imali eyongezelelweyo yokuphuma kwetyala. 18 Ukuphucula izakhono zakho zeJob
Enye into ebalulekileyo ongayenza kukunyusa ukhuseleko lomsebenzi. Enye indlela yokwenza oku kukuqinisekisa ukuba unayo izakhono ozifunayo ukuhlala ukhuphiswano kwindawo yokusebenzela. Oku kunokuthetha ukuthatha izatifikethi ezongezelelweyo okanye uqeqesho ngokusebenzisa umqeshi wakho wangoku. Kungathi ukubuyela ekholejini ukuya kwi-degree. 19 Fumana inani elifanelekileyo le-Inshorensi
Unokukhusela iimali zakho ngokufumana inani elifanelekileyo le-inshurensi. Oku kufuneka kubandakanye imoto kunye nenqwelo yomshuwalense okanye ekhaya, kunye ne-inshorensi yempilo kunye nobomi. I-inshurensi ikukhusela kwiintlekele ezinokumisela imali yakho. Ukuba awunayo i-inshorensi, qalisa ukukhangela i-coverage namhlanje. 20 Yenza Uninzi LweeNkonzo Zakho Zomqeshwa
Ukongeza kwi-inshorensi yakho kunye ne-inshurensi yezempilo, inkampani yakho inokunikela ngeenzuzo ezongezelelweyo zabasebenzi njengama- inshurensi yamazinyo, i-inshuwalense yombono, kunye ne-akhawunti yokuchithwa kwemali. Azikho zonke ezi zibonelelo ezinokubaluleka imali eyongezelelweyo oya kubahlawulela yona, kodwa ezinye zazo zikhona. Thatha ixesha lokuqinisekisa ukuba ufumene uninzi kwiintlawulo zabasebenzi bakho.