Ukuxhaswa ngcamango yohlahlo lwabiwo-mali? Ezi zikhokelo zilula ukwenza inkqubo
Ukuba unomdla kubhajethi, ndineendaba ezilungileyo. Uhlahlo lwabiwo-mali aludingi ukugxila kwiinkcukacha ezincinci. Ayifuni iindidi ezili-15 ezahlukeneyo.
Ukongezelela, akudingeki ukuba kusekelwe ngokusweleka .
Unokuzivumela ukuba ube mnandi kumxholo webhajethi yakho yonke. Enyanisweni, ukuba awuyithandi igama elithi uhlahlo lwabiwo-mali , yibeke endaweni leyo ngoluvo lokuba udala isicwangciso okanye indlela yokuhamba malunga nendlela uza kuchitha ngayo imali yakho.
Awuyi kuqhuba ukusuka eBoston ukuya eSan Francisco ngaphandle kokusebenzisa imephu okanye uhlobo oluthile lokuhamba, ngaba wena? Ngoko ke kutheni uhamba ngeemali zakho ngaphandle kokusebenzisa uhlobo oluthile lweendlela?
Ngaba uhlala ebhodini kunye nohlahlo lwabiwo-mali ngoku? Nazi izikhokelo ezilandelayo ezihlanu ongayilandela njengoko ubeka ndawonye ibhajethi yakho yokuqala :
Okungaphantsi kuninzi
Iphutha eliqhelekileyo le-rookie ukugqithisa ngaphezulu uhlahlo lwabiwo-mali kunye nezigaba ezingapheliyo. Awudingi ukubandakanya imali enokuyichitha kwi-nail polish, ngeenwele, kwi-petroli, kwimirhumo yemagazini okanye kwiisokisi ezintsha. Akukho mntu ufuna loo nqanaba leenkcukacha. Iindidi ezimbalwa, ngcono.
Ekupheleni kokugqithiseleyo, uhlahlo lwabiwo-mali lunokuba lumbalwa njengezigaba ezimbini okanye ezintathu.
Uhlahlo -lwabiwo-mali okanye uhlahlo lwabiwo -50/30/20 lusebenza ngcono nangaphantsi. Uhlahlo lwabiwo-mali lucala lusebenza kakuhle, kwakhona.
Yiba ngqiqo
Ukuba okwangoku uchitha i-$ 400 ngenyanga kwizinto zokutya, ungacingi ukuba ngenyanga ezayo uza kukwazi ukuyichitha le mali ukuya kwi-100 yenyanga ngenyanga.
Kunoko, faka iinjongo ezingakumbi. Ukuba uchitha i-$ 400 ekuthengiseni kule nyanga, zama ukuchitha i-5-10% ngaphantsi kwinyanga ezayo.
Oku kubangela ukuchitha phakathi kwe-$ 360 ukuya kwi-380 yeeyure kwizinto zokutya.
Yenza oko kwinyanga okanye ezimbini uze uhlengahlengele phambili ukusuka apho. Ekugqibeleni, uza kufumana i-300 $ mark. Utshintsho oluthile oluncinane phezu kwexesha luzinzileyo.
Ungazibopheli Ukusebenzisa iiFayili ezitsha
Abantu abaninzi baphendukela kwisofthiwe okanye kwiinkqubo zokulawula imali yabo. Ukuba oku kuvela kuwe ngokwemvelo kwaye ujabulela ezi zixhobo, eziyinto emangalisayo. Kodwa ungesabi ukuthabathela iphepha elidala kunye neepeni ukuba oko kukuthandayo.
Akukho ndlela efanelekileyo okanye engalunganga yokulawula uhlahlo lwabiwo-mali. Isibalulekileyo kukufumana nayiphi na imisebenzi kuwe, kungakhathaliseki ukuba yinto insiza, ispredishithi, okanye ipensela kunye nezivulophu.
Ukuqalisa iiNgxoxo zeentsapho ngeveki
Mhlawumbi awunabo kuphela umntu ochitha kwaye osindisa ngaphakathi kwendlu yakho. Cwangcisa iintlanganiso zeveki kunye nosapho lwakho ukuba ufake wonke umntu kwizigqibo ozenzayo kunye nebhajethi yakho.
Ukuphonononga iinjongo zakho eziphambili, ezifana nokwakhiwa kweengxowa-mali zexakeka okanye ukukhupha i-akhawunti yakho yomhlalaphantsi. Thetha malunga "nantoni" emva kwesigqibo sokuchitha isigqibo, nayo.
Intsapho yakho ayinakuyithanda into yokuba uthengisa imoto engasetyenziswanga, esetyenzisiweyo kunokuba imodeli yakutshanje. Nangona kunjalo, baya kuqonda eli sigqibo xa liqulunqwe kumxholo wokwenza igalelo elikhulu kwi -fund yengxowa-mali yabantwana bakho.
Lungisa uhlahlo lwabiwo-mali rhoqo ngenyanga
Ngokwenene, uhlahlo lwabiwo-mali luya kuba neikholamu ezimbini: isixa oceba ukuyichitha nyanga zonke, kunye nemali oyisebenzisayo.
Njengoko uvavanya uhlahlo lwabiwo-mali lwenyanga nganye, uya kubona ukuba ukunyaniseka kwimiba ephi na isicwangciso esilungileyo. Xa ubona iziphumo zenkcitho yakho, uya kukwazi ukuba zeziphi iingxaki zakho. Ukuphonononga ezi ndawo kwaye wenze utshintsho ngokufanelekileyo.
Xa ndiqalise uhlahlo lwabiwo-mali, ndafumanisa ukuba ndichitha imali eninzi kwiTgetget nakwi-Amazon kunokuba ndaziqonda. Ndiyabulela ukuphonononga imali yam, ndaziqonda ngakumbi ngokuthenga. Ngaphambi koko, andinakukwazi ukungena kwiTgethi ngaphandle kokusinda ubuncinane i-$ 50 engamahlwempu. Le mihla, ndiyakwazi ukuhamba ngokukhawuleza kwiTgethi, uthathe into enye, kwaye ushiye. Esona sizathu sokuba ndikwazi ukwenza oku kukuba uhlahlo lwabiwo-mali luzise le ngqalelo.
Okubaluleke kakhulu, kufuneka ugcine isimo sengqondo sokunyamezela. Nangona uyenzela ukuphuculwa komncinci omnye kwenyanga, ezo zintuthuko ziya kudibanisa ukuya kutshintsho lobomi obude ngexesha.