Qalisa uhlahlo lwabiwo-mali
Xa ungekho nto, usenokuba uyazi apho i-penny ihamba khona, kwaye usenokucinga ukuba uhlahlo lwabiwo-mali lulandelela ukuchitha imali yakho. Uhlahlo lwabiwo-mali luceba indlela oza kuchitha ngayo yonke ipenki. Kuthetha ukuba uyazi apho uza kuchitha imali yakho ngaphambi kokuba ifike. Ikuvumela ukuba uceba iindleko kwangaphambili kwaye uqale ukubeka imali ngaphandle kweendleko ezinkulu eziza kuphela kanye ngonyaka. Xa uhlahlo lwabiwo-mali, unako ukulandelela indlela yokuchitha imali. Oku kunokukunceda ukhethe indawo apho unokukwazi ukunciphisa iindleko zakho zenyanga kunye nokuza nezicwangciso zokukunceda ukuphatha imali yakho ngobulumko. Ukuba ufumanisa iinkalo zakho zengxaki, ungatshintsha izicwangciso uze ufumane iindlela zokulondoloza kwiindleko ezithile.
Fumana iindlela zokufumana okungakumbi
Ukuba awukwazi ukwenza okwaneleyo kumsebenzi wakho wangoku ukugubungela iimfuno zakho kwaye ulondoloze imali, kufuneka ufumane indlela yokunyusa umvuzo wakho.
Oku kungathatha ukuthatha umsebenzi wesibini ukukunceda ufikelele kwiibhilidi zakho ezidlulileyo. Kusenokuthi ukujonga ukutshintsha kwexesha elide eliza kukuvumela ukuba wenze imali. Ukubuyela esikolweni ukwenzela uqeqesho olongezelelweyo kukukhetha okulungileyo. Ukuba ubuya esikolweni akunakubhenela kuwe, jonga imisebenzi kwintsimi yakho okanye insimu efanayo enika umvuzo ophezulu.
Eminye imisebenzi yokurhweba inikeza umvuzo wokuncintisana kwaye unobungozi bomsebenzi ongcono kunemisebenzi yendabuko abaphumeleleyo kwiikholeji. Hlola izinto ozikhethayo uze ucinge ngokutshintsha oko ukwenzayo. Enye inketho ukusebenzela ingcwaba okanye ukuguquguquka kwesantya esoloko kunika umvuzo ophezulu kumsebenzi ofanayo.
Yenza Ukugcina Okuphambili
Qala ukugcina imali ngoku . Kukho iindlela ezimbini ofuna ukugxila kuzo ekugcineni. Okokuqala, faka imali kwi-akhawunti yokulondoloza ongeke ukuyisebenzisa ngaphandle kwezoxakeka. Unokuqala nge $ 20 ngeveki. Le nto idla ekhaya ebusuku ngobunye ubusuku ngeveki okanye yehla iifilimu. Kulula ukwenza izigqibo zezimali xa uyazi ukuba unayo imali ebhankini ukulungiselela ukukhawuleza. Okwesibini, jolise ekufumaneni iindlela zokugcina imali kwizinto ozenzayo. Khangela amakhuphoni kunye neengcambu zendawo yakho. Musa ukuhlawula ixabiso elipheleleyo kwento kwaye ukhangele kwiivenkile ezimbalwa ngaphambi kokuba uthenge into. Iifowuni ze-Smart yenza kube lula kwivenkile yentengiso xa ufumana into ukuze uqiniseke ukuba ufumene intengo efanelekileyo kuyo.
Yeka Ukusebenzisa Amakhadi Eetyala
Ukuba ufuna ukuyeka ukuhlupheka, kufuneka uyeke ukudala ityala. Isinyathelo sokuqala kukuyeka ukusebenzisa amakhadi wakho ekwereta . Indlela elula yokwenza oku ukuyeka ukuhamba nabo. Ukuba bekhaya, awukwazi ukuyisebenzisa xa uthengela.
Ingxowa-mali engxamisekileyo ingakunceda ukuba uyeke ukuyisebenzisa ngenxa yokuba uya kuba nemali yokukhupha iindleko ezingalindelekanga. Uhlahlo lwabiwo-mali luya kunceda kwakhona kuba uya kuceba iindleko zakho ngaphambi kokuba zenzeke.
Phuma kwiTyala
Awukwazi ukuqala ukwakha ubutyebi bokwenene xa uhlawula ngaphezulu kunomdla kunokuba ufumana inzala. Ukuba ufuna ukutshintsha imeko yakho, kufuneka uthathe amanyathelo anokukunceda ukuba uphume kwetyala . Yenza icebo lokuphuma kwetyala . Emva kokuba uhlahlo lwabiwo-mali lwakho, unokuqala ukukhangela imali eyongezelelweyo ukuhlawula ngamatyala akho ngenyanga. Njengoko uhlawula ityala elilodwa, thatha loo mali uze uyifake kwisikwere esilandelayo kwiluhlu lwakho. Xa unetyala elingenanto, uya kuba nemali ethe xaxa yokunyamekela ezinye iimfuno zakho.
Izifundo Okumele Uzikhumbule Ukuba Umoya Wakho Wezemali Uphucula
Ungaze Uyeke Uhlahlo lwabiwo-mali
Isabelomali sakho sixhobo sakho esinamandla, kwaye ungayisebenzisa ukufikelela kwiinjongo zakho zemali .
Xa izinto ziphucula, kunokuzama ukuyeka uhlahlo lwabiwo-mali, kodwa kufuneka uqhubeke usebenzisa uhlahlo lwabiwo-mali. Unokwandisa imali kwiindawo ezithile, kodwa qiniseka ukuba ulondoloza imali kwaye usebenza kwiinjongo zakho. Oku kuya kukunceda uhlale ulawulwa kweemeko nangona imeko yongxamiseko ivela okanye kukho utshintsho kwingeniso.
Ungalokothi Udibanise Izidingo Zakho Nezidingo Zakho
Ngokuqhelekileyo abantu benza impazamo yokudibanisa zabo iimfuno kunye neemfuno zabo. Ngamanye amaxesha kuthetha ukuzithengisa ngokwakho imoto entsha, xa unokufumana ngekhetho elingabizi. Kusenokuthetha ukuziva unelungelo lokutya ngosuku okanye ukuthenga iimpahla ezintsha ngeveki. Nangona kukulungele ukuzibhokoxa, kufuneka uqiniseke ukuba ulwa neenjongo zakho zezemali kunye nezinto ezibalulekileyo ngaphambi kokuba uchithe imali kulezi zinto.
Fumana iMithamo yeMali eNinzi
Ukuba unendlela ezininzi ozisa imali kuyo, ngoko akukho uxinzelelo oluncinane okanye uxinzelelo ukuba enye yenguqu. Unokukhangela iindlela zokufumana ingeniso engenayo njengempahla yokuqeshisa okanye uthathe umsebenzi wesikhewu okanye umsebenzi njenge-freelancer. Ukuba utshatile okanye kunye neqabane, unokufumana imithombo emibini engenayo engenako ukuyenza intsapho yakho ibe yomelele. Ekugqibeleni, lwakho utyalo-mali luyakwazi ukufaka imali engenayo yokuba ungaphila.
Hlalani nilungele ukungalindelekanga
Ukucwangciswa okungalindelekanga kunokukunceda uhlale phezulu kwizinto zezemali. Ulungxamiseko lwezonyango, ukulungiswa kwemoto kunye neendleko kunye nezinye iindleko ezingalindelekanga zingakwazi ukuqhuba iindleko kwaye zenze kube nzima ukufumana kungakhathaliseki ukuba wenza ntoni. Isinyathelo esinye kukuqinisekisa ukuba unengxowa-mali yexakeka . Ekuqaleni oku kufuneka kube malunga nomvuzo wenyanga enye, kodwa kufuneka uyenze ukuya kwiinyanga ezintandathu ukuya kwiindleko zonyaka. Ukongezelela, ukuqinisekisa ukuba unobungozi obufanelekileyo bomshuwalense kunokukunceda ukuba uphathe le nto.
Uncedo nini na apho Unako
Khumbula amaxesha owawunzima ngayo kwaye uncedo oluncinane apha naphaya lungenza umehluko. Thatha ithuba lokunceda abanye xa unako. Kukho inani leendawo ezahlukeneyo apho unokubuyisela khona ngeminikelo okanye ixesha. Kubalulekile ukunceda nini kwaye ungaphi.