Unokulawula njani ukuhlawula iindleko zakho zenyanga kwaye usenayo ngokwaneleyo ukushiya eceleni kwelanga? Nazi iindlela ezinhlanu ezilula zokwakha isikhwama sokulondolozwa kongxamiseko , nokuba yeyiphi ingeniso yakho yangoku.
1. Londoloza Okokuqala, kungekhona nje emva kokulandela
Iqhinga lokuqala lokulondolozwa akulindele ukuba ulinde kwaye ubone ukuba ungakanani "ushiye ngaphezulu" ekupheleni kwenyanga, kodwa kunokuba "uzihlawule kuqala." Ekuqaleni kwenyanga (okanye ngexesha ngalinye uhlawulwa), ukubeka eceleni isixa esithile kwi-savings yakho engxamisekileyo ngaphambi kokuba wenze nantoni na enye into.
Xa le mali ikhuselekile kwi-akhawunti yakho yokulondoloza, awuyi kuhendelwa ukuba uyichithe kuzo zonke ezinye izinto ezithe zityalo.
2. Beka kwaye Ulibale
Thatha izinto ngokunyuka ngokuzenzekelayo ukonga kwakho ukunciphisa naluphi na amathuba okuphutha komntu (okanye ubuthathaka). Yenza ukutshintshwa ngokuzenzekelayo ukusuka ekutshekeni kwirekhodi yakho yokulondoloza ekuqaleni kwenyanga nganye (okanye ngexesha ngalinye ufumana ukuhlawula) ngoko akukho nethuba lokulibala ukubeka eceleni le mali okanye ukuyisebenzisa kwezinye izinto.
3. Gcina iifowfow yakho
Melana nomnqweno wokuchitha nayiphi na imali eyongezelelweyo engena kuyo. Ukuba ufumana isheke sokufumana isaphulelo, imali yokubuyisela irhafu okanye i-$ 20 ekhadini lokuzalwa elivela kwi-Great Aunt Patricia yakho, yifake ngokukhawuleza kwingxowa-mali yakho yokonga .
Ekubeni ungazange ubale kule mali njengenxalenye yebhajethi yakho yenyanga, awuyi kuphinda ulahleke, kwaye yonke imvula encinci iya kukunceda ukuba usondele ekujoliswe kuyo.
4. Ulahla iBhajethi yakho
Ukukhulula imali eyongezelelweyo ukuze ulondoloze ngokuthatha uphawu lokubhakabhaka kwisabelomali sakho kunye nokucoca amaninzi amaninzi kunokwenzeka.
Ingaba ufuna ngokwenene ukuhlawula ezo ziteshi ze-cable?
Ngaba ngokwenene ufuna ukutya kathathu ngeveki? Yonke into ongayibetha ngayo kwibhajethi yakho yenyanga inikezela ngemali engayifaka kwi-fund yakho engxamisekileyo. Sebenzisa la maxwebhu okusebenzela uhlahlo lwabiwo-mali ukuze ufumane iindlela zokugcina.
5. Yenza Imali Yakho Ikhule
Qinisekisa ukuba imali oyilondolozayo isebenza kuwe ngokuyibeka kwi-akhawunti yokugcina imali ephezulu, i-akhawunti yemakethe yemali okanye i-CD apho inokukhula kwaye ikunike imali engaphezulu kwindlela. Zonke iibalithi ezingaphezulu kweedola, ke qiniseka ukuba ufumana ukubuyiswa okuphezulu kokutyalomali lwakho.