Musa ukuvumela ezi ngqungquthela zilahlekise iinkolelo zakho zeBhajethi
Kubalulekile ukwazi umehluko phakathi kweqiniso kunye neengcamango xa kuziwa kuhlahlo lwabiwo-mali ngenxa yokuba ezininzi zezi ntsomi zivusa abantu ukuba bangabi nokulawula imali yabo .
Musa ukuvumela ukuba kwenzeke kuwe. Uhlahlo lwabiwo-mali alubi , kwaye wonke umntu kungakhathaliseki ukuba imeko yezemali ingazuza njani kwisabelo-mali.
Fumana oku kunye nezinye iimbali eziqhelekileyo ezingezantsi, kwaye ufunde inyaniso yangempela emva kohlahlo lwabiwo-mali ukuze ukwazi ukuphefumlelwa ukulawula kakuhle imali yakho .
Iingoma 1: Uhlahlo lwabiwo-mali lufanele lube lukhulu
Enye into ebalulekileyo yokungaqondi kakuhle ngebhajethi kukuba kufuneka ibe yinkcazelo ebanzi. Njengaye, umgca-into-kwi-Excel icacisiwe.
Akunjalo. Ukuba unesipredishithi kunye neendidi ezingama-20 ezahlukileyo zisebenza kuwe, zinkulu. Ukuba uzonwabela ukwahlula ukuthengwa kweemveliso zasekhaya ukusuka kwiindawo zakho zokutya ukuya kwindawo apho wenza khona ukuthengiselana okuhlukeneyo kwivenkile, kulungile.
Ukuba oko akubhenxisi kuwe, kukho ezinye iindlela ezingabinqandeli kwaye zingadinga ukugcinwa kancinci, njengebhajethi ye -50/30 /20, isabelomali se-80/20 , okanye ulwabiwo-mali. Ezi zingacaluli phakathi kwamacandelo phantse kakhulu, ukuba kukho konke.
Ingongoma ibhajethi yakho ibonakala ngathi nantoni na ofuna ukuba ibukeke ngayo. Awudingi ukulandela uhlahlo lwabiwo lwabanye ku-T.
Imeko nganye ihlukile, kwaye uhlahlo lwabiwo-mali lufanele lubonakalise oko.
Iziphakamiso ziloo nto - akukho mithetho ebekelwe yona ekufuneka uyilandele xa kuvela ekudaleni uhlahlo lwabiwo-mali.
Inkolelo-mfundiso yesi-2: Awukwazi ukuhamba ngaphezu kweBhajethi yakho
Nangona ufanele ujonge ukuhlala okanye phantsi kwesabelomali, ngamanye amaxesha (okanye ixesha elide) ubomi buya endleleni.
Ngelishwa, uninzi lwabantu luyanqotshwa ngaphambi kokuba luqale ngohlahlo lwabiwo-mali kuba into ehamba kakuhle.
Uhlahlo lwabiwo-mali lufanele luguquke - zikhokelo , kungekho imigaqo eqinile. Ukuba uhamba kwiqela elinye, unako ukuba "uthathe" imali kwenye inqanaba.
Ngokomzekelo, masithi ibhajethi yakho yokutya i-$ 300, kwaye uhlahlo lwabiwo-mali lwakho luyi-$ 50. Uchitha i-$ 320 kwizinto zokutya, kodwa u-30 kuphela kwi-entertainment. Ngokwenene, uhlahlo lwabiwo-mali kwizinto zokutya, kodwa ungaphantsi kohlahlo lwabiwo-mali ngenxa yokungabikho kwemali kwinqanaba lokuzonwabisa nakwezinye izinto.
Ingongoma apha kukuba akufanele ufumaniswe ngokukhawuleza kwinani olibalayo umfanekiso omkhulu. Uhlahlo lwabiwo-mali alujoliswanga ukuba lufezeke, kwaye akunakwenzeka ukuba uya kuba ngephambili kwinqanaba ngalinye. Beka okulindelweyo phambi kokuba uqale, kwaye uzithethelele ukuba ungena ngaphaya kwebhajethi.
Kwakhona kunceda kakhulu ukuba uyazi kakuhle iipateni zakho zokuchitha phambi kokudala uhlahlo lwabiwo-mali. Ukulandelela inkcitho yakho kwiinyanga ezintathu ukuze ubone ukuba ukulinganiswa kwakho kwemali kuyenzeka. Umzekelo, usenokucinga ukuba usebenzisa imali eyi-$ 100 ekudleni ngaphandle, xa kunjalo, usebenzisa imali eyi-200.
Ukuba uzama ukunamathela kwi-bhajethi ye-$ 100, uzimisele ukusilela!
Iingoma 3: Uhlahlo lwabiwo-mali lixesha lokutya
Kwakhona, uhlahlo lwabiwo-mali alufanele lube nzima kakhulu. Unokukhetha ukubenza ixesha elide okanye cha - ungahlaziya imali yakho kwi-spreadsheet imihla ngemihla okanye ngeveki, okanye ungasetha uhlahlo lwabiwo-mali nge-apps njenge- Mint okanye i-Personal Capital.
Izinhlelo zokusebenza ngumgcini-bomi kulabo abasebenzisa iitaliti okanye imali yokuthenga ukuthenga ngenxa yokuba unokudibanisa i-akhawunti yakho ye-akhawunti kunye neentlawulo zakho zitsalwe ngokuzenzekelayo. Zininzi zokusebenza zikwavumela ukuba uhlele uhlahlo lwabiwo-mali, kwaye ekubeni ukuthengiselana kwakho kuhlelwe ngokuzenzekelayo, uhlahlo lwabiwo mali luya kuhlaziywa ngokufanelekileyo. Unokukhetha ukufumana izilumkiso xa usondele kwisikhokelo sakho sebhajethi, okanye xa usudlulile uhlahlo lwabiwo-mali.
Kule meko, unokwenza uhlahlo lwabiwo-mali lwakho kwaye ukhangele kuyo ngeveki.
Awudingi ukuhlaziywa ngokuzenzekelayo ngaphandle kokuba i-app ibonisa ukuthengwa ngokungalunganga (oko kwenzeka). Nangona kunjalo, oku kudla ixesha elingaphantsi kunokuba kuthwale ipeni kunye nephepha kunye nawe yonke indawo kwaye ubhale ukuthengiselana kwakho njengoko kwenzeka. Kwakhona, ukuba loo ndlela isebenza kuwe-enkulu! Kodwa abaninzi abantu abavuyisanga naloo mbono.
Ingqungquthela 4: Uhlahlo lwabiwo mali ngabantu ...
Abanye abantu abakucingi ukuba izityebi zifuna ukuhlahlo-lwabiwo-mali kuba zinemali eyaneleyo. Abanye bacinga ukuba bahlwempuzekile ukuhlawula imali - abanalo imali eyaneleyo yokuphatha kwindawo yokuqala. Sekunjalo, abanye bakholelwa ukuba akudingeki ukuba bahlalutye ngenxa yokuba abanalo matyala kwaye bafumana.
Zonke ezi ngcamango ziphosakeleyo. Akunandaba ukuba ungubani - wonke umntu unokufumana inzuzo kubhajethi.
"Andikhokhwa ngamatyala." Kulungile, kodwa ukuhlala okanye ukuphuma kwetyala akufanelekanga ukuba ngaba awufanele uhlahlo-mali. Ewe, uhlahlo lwabiwo-mali lukunceda ukuba ube netyala ngenxa yokuba kukunceda ufumane iindlela zokulungisa utshintsho lwakho lokuthumela imali eninzi ngetyala nganye ngenyanga, kodwa ukuba netyala akuthethi ukuba uhlahlo lwabiwo-mali aluyimfuneko. Enyanisweni, kunokuba kuyimfuneko xa unako ukuhamba kwemali eninzi, ngaphandle koko, unokulingwa ukuba uchithe yonke imali yakho. Uhlahlo lwabiwo-mali lunikeza yonke idola lakho umsebenzi ukuba lwenze - ngaphandle komsebenzi, loo mali iya kuchithelwa, ekhokelela ekusindisweni.
"Andinayo ingxaki yokugcina." Ukuba ukugcina kuvela ngokwemvelo kuwe, okanye usuvele ucebile , oko kumnandi ... kodwa oko akuthethi ukuba akufanele ubeke ingqalelo kwiimali zakho. Akunakudingi uhlahlo lwabiwo-mali, kodwa luncedo ukwenza ubuncinane ukulandelela imali yakho ukuze ukwazi ukuba yintoni na utshintsho olwenzekayo.
"Andinayo iinjongo zokulondoloza kwangoku." Kulungile, kodwa kunokwenzeka ukuba uza kufuna imali ngexesha elithile ngento ethile. Wonke umntu kufuneka abe neengxowa-mali zexakeka, nokuba ngaba i $ 100, i-$ 500, i-$ 1,000, okanye ngaphezulu. Kuthekani ukuba imoto yakho ihla? Kuthekani ukuba unonophelo lwezonyango? Kuthekani ukuba intlanzi ifuna ukunakwa kwezilwanyana? Kuthekani ukuba ulahlekelwa ngumsebenzi wakho? Ukuba ne-saving cushion kuya kukunceda uxolo lwengqondo. Ngoko nangona ungenayo injongo yokugcina imali, kufuneka uhlale ugcina ingxowa yakho yexakeka. Kungcono ukugcina imali kunokungabi.
"Andiyenzi imali eninzi." Akudingeki ukuba ube ne-cash kwi-budget. Ngokuqinisekileyo, imali encinayo onayo, kubaluleke kakhulu ukulawula ngenxa yokuba izibonelelo zakho zilinganiselwe. Inzuzo eyongeziweyo kukuba kufuneka kuthathe ixesha elide kunye nomgudu wokulawula! Ngokomzekelo, ukuba ungumfundi, iindleko zakho zincinci, kwaye ngenxa yokuba ungenakwenza okuninzi, awuyikuchitha imali. Ngoko ke, uya kuba neentengo ezincinane zokujongana nazo. Kulula kakhulu ukuqaphela apho yonke into iya khona.
Kungakhathaliseki imeko yakho, ukuba unethemba lokukhula okanye ukugcina ubutyebi bakho, ufuna ulwazi kwicala lakho. Akukho mntu wayenotyebi ngokuchitha imali, kwaye awukwazi ukwazi indlela yokuphatha imali yakho ngaphandle kwamanani.
Iingoma 5: Uhlahlo lwabiwo-mali = Ukunyuswa
Le ngqungquthela eyona nto ibuhlungu kakhulu ebangela ukuba abantu abaninzi bayeke ukuhlawula ibhajethi, kwaye ayikwazi ukuqhubeka eyinyaniso. Ngandlela-thile endleleni, uhlahlo lwabiwo-mali luye lwafana nolwaphulo. Kufana nokucinga ukuba ukungcola kuthetha ukunciphisa.
Uhlahlo lwabiwo-mali zixhobo onokuzisebenzisa ukufezekisa iinjongo zakho zemali. Zenzelwe ukukukhokela kuzo ezo njongo. Akunakucingelwa ukukunciphisa; uhlahlo lwabiwo-mali luchaza ukuba uhlakaniphile malunga nendlela osebenzisa ngayo imali yakho .
Ungavumeli umntu ukuba akuxelele ukuba kufuneka uchithe izinto ezithile ngaphandle kohlahlo lwabiwo-mali ngaphandle kokuba unobungozi obunzima bemali. Indlela elula yokwenza umsebenzi wohlahlo lwabiwo-mali kukugxininisa kwiimpawu zakho kwaye uhluthe yonke into. Ngale ndlela, uchitha kwizinto ezikuvuyisa, kwaye ungasebenzisi imali kwizinto ezingenandaba.
Ngelishwa, le nxalenye inzima kakhulu. Umbutho ngokubanzi uye wagqiba ekubeni izinto ezifana ne-smartphones, ikhebula kunye neemoto ezikhanyayo "zifuna" - kodwa zifuna ngokwenene. Ukuba unokudlulela koko abanye abantu bacinga ukuba kufuneka ube nawo, kwaye uzicinge ngokwakho, uya kuziva unyanzelekile kwaye uzalisekise ngaphantsi.
Uhlahlo lwabiwo-mali luvuyisa
Ekugqibeleni, uhlahlo lwabiwo-mali luyimfuneko ngamnye umntu kufuneka abe nayo kuba ukungahoyi imali yakho akuyi kukufumana naphi na. Awudingi ukuchitha itoni yexesha ngohlahlo lwabiwo-mali, kodwa kufuneka ukhangele kunye neemeko zemali zakho ubuncinane kanye ngeveki ukuphucula umkhuba wokulandelela nokugcina.
Ngaphandle koko, ukuhlawula imali kunye nokulungelelanisa imali yakho kunye nexabiso lakho kukunceda ufikelele kwiinjongo zakho. Ukuba kwenzeka ukuba ufuna ukulondoloza into ethile, kufuneka ufumanise ukuba ufuna kukugcina phi, kwaye ungayifumana njani imali ukuze uyisindise. Ngaphandle kohlahlo lwabiwo-mali, uya kuqaphela.
Yiyeke ukuqikelela kwimali yakho. Qala ukulandelela imali yakho kunye nohlahlo lwabiwo-mali ukuze ukwazi ukufikelela ngokufanelekileyo nangokuzithemba iinjongo zakho.