Ukuphelelwa Imali Ngokuqala Kwenyanga
Ukuba uhlawulwa kanye ngenyanga, unokufumana amaxesha omthendeleko kunye nendlala ngemali. Xa iindleko zakho ezifunekayo ekuqaleni kwenyanga, unokubona uninzi lwemali yakho yanyamalala kwiveki yokuqala okanye ezimbini kwaye ke umzabalazo wokufumana imali yokugaya ukutya ekupheleni kwenyanga. elinde kwi-paycheck yakho elandelayo ukuze ufumane iziphumo.
Uhlahlo lwabiwo-mali
- Ulungelelwaniso lohlahlo lwabiwo-mali lukwahlula inyanga yakho kwiiveki kwaye ubeke eceleni iiveki ezisele kule nyanga kwi-akhawunti yokulondoloza.
- Dlulisa imali kwi-akhawunti yakho yokulondoloza kwi-akhawunti yakho yokujonga nganye iveki. Oku kuya kukunceda uyeke ukuchitha xa usifikile kwisabelo sakho seveki.
- Enye into ongayenza ukuyenza into efanayo usebenzisa imvulophu kwaye usebenzise imali ngeendleko zakho zeveki.
Imiba yeeNgxowa-mali
Enye ingxaki yebhajethi yinto ekhoyo xa ufumana imicimbi yokuhamba kwemali.
Ukwenza okwaneleyo ukuhlawula iindleko zakho kwinyanga yonke, kodwa ininzi yeebhili ifunekayo ekuqaleni, kwaye uhlawulwa ngeveki okanye kabini ngenyanga. Unokuziva unengcibi ekuqaleni kwenyanga, kwaye unzima kakhulu ukufihla iindleko zakho, ngelixa unemali eninzi kwisiqingatha sesibini senyanga.
Uhlahlo lwabiwo-mali
- Indlela yokusombulula le ngxaki kukubeka eceleni imali kwisigamu sesibini senyanga ukukunceda uhlawule iindleko ekuqaleni kwenyanga.
- Ungasindisa isigxina sokuhlawula imali yakho kunye nezinye iindleko, ukwenzela ukuba unayo yonke imali yakho yokuhlawula ukuze uhlawule iindleko zokutya nokuzonwabisa. Isicwangciso esincinci sinokukunceda ukusingatha le ngxaki yebhajethi.
- Unokuqhagamshelana nababolekisi bakho kunye nabanikezeli benkonzo kwaye ubone ukuba bazimisele ukutshintsha umhla ofunekayo kwiibhili. Ezinye iinkampani zinokuba zikulungele ukusebenza nawe ukwenza inkqubo ibe lula kuwe.
Imiba yoNxibelelwano
Unokufumanisa ukuba ulungele uhlahlo lwabiwo-mali, kodwa xa ulwalamano okanye utshatile, umcimbi ohluke ngokupheleleyo. Unxibelelwano luyintloko xa uhlahlo lwabiwo-mali njengesibini. Ukuba awuxubushelanga, awuyi kuqonda ukuba imali ekhohliweyo kwicandelo ngalinye kunye nokuba ungakanani oshiye ukuyisebenzisa. Unokuphelisa ukulwa ngemali yonke ixesha.
Uhlahlo lwabiwo-mali
- Ulungelelaniso lokuqala lohlahlo lwabiwo-mali luya kudibana ukuze luhlaziywe uhlahlo lwabiwo-mali rhoqo. Kungadinga ukuba ubusuku bonke ekuqaleni okanye kanye ngeveki.
- Esinye isisombululo kukufumana uhlahlo lwabiwo-mali oluya kuhlaziywa njengoko usebenzisa imali. Ukuba ngaba ungena kokuthenga kwakho njengoko kwenzeka, unokwenza lula ukulandelela okushiye kwi-akhawunti njengoko kwenzeka. Oku kunokuthintela ukudlula imali kwaye isisombululo esilula.
- Xa usuqalisile kakuhle uhlahlo lwabiwo-mali, unokunciphisa iintlanganiso ukuya kanye ngeveki. Kunceda ukuvuma ukuba akukho mntu uphelele kwaye uqhube phambili ngaphandle kokuhlala kwiimpembelelo ezincinane kunye nemiba.
Iingxaki zeMbali
Wonke umntu unenqanaba leengxaki apho iindleko ziphantse zihlala zikhulu kunokuba ulindele ukuba zibe. Unokuba nemiba neendleko zokuzonwabisa, iindleko zokugqoka okanye iindleko zokutya. Ngokuqhelekileyo uluhlu lwengxaki luhlobene nento othanda ukuyenza okanye into oyithiyileyo. Enye ingxaki mhlawumbi kukuba uchitha izinto kwiqela elithile. Emva kokuba uqaphela oku ungaqalisa ukufumana isisombululo.
Uhlahlo lwabiwo-mali
- Ukulungiswa kohlahlo lwale ngxaki kukutshintsha indlela owuphatha ngayo. Ukutshintsha ngemali kuphela kwinqanaba lingasebenza, ingakumbi ukuba uthengisa kumntu esitolo. Nangona kunjalo, ukuba kuthengwa kwe-intanethi, oku akuyi kusebenza.
- Ungasebenzisa inkqubo yokufumana umvuzo apho unomlinganiselo wokuchitha imali kwicandelo, ufumana imali eyongezelelweyo ekupheleni kwenyanga ukuchitha kwizinto ozithandayo. Ukuba uchitha imali ngokutya ngaphandle, ngenxa yokuba uyithiyile ukupheka, unokuzivuza ngokutya ngexesha lokutya okulungileyo xa unamathela kwisabelomali kwaye upheke. Kufuneka ufumane iindlela zokukwenza kube lula ukwenza isidlo sakusihlwa okanye ukuhlangabezana neminye imisebenzi ongayithandiyo.
- Cinga ukusika ezinye iindidi ukwenzela ukwandisa imali yakho kwimimandla apho uhlala uchitha imali engaphezulu. Kusenokuthetha ukuba izinto eziphambili kufuneka ziguquke.
- Fumana iindlela ongazenzayo kumda wakho lula. Umzekelo ukuba uchitha imali kakhulu ekuphumeni ngenxa yokuba ukhathele ukupheka ngeveki, cinga ukupheka ngeveki iveki yonke. Ukuhlawula inkonzo eyenza ukuthenga indawo yokuthenga ukuze usindise imali kwaye wenze ukupheka ekhaya lula.
Iindleko zithe Ngaphezulu
Awukwazi ukuqaphela indlela enkulu ngayo le ngxaki de uze uhlale phantsi ukujongana nebhajethi yakho okokuqala. Unokufuna nje ukunciphisa iindleko zakho , kodwa unokwazi ukuba unengxaki yengeniso yangempela apho ungenzi okwaneleyo ukufihla iindleko zakho ezisisiseko. Kubalulekile ukufumana isisombululo esisigxina kule ngxaki.
Uhlahlo lwabiwo-mali
- Isinyathelo sokuqala sokulungisa le ngxaki kukunciphisa yonke imali engeyomfuneko , ubuncinane okwethutyana. Oku kuya kukunika ithuba lokufumana isombululo kwingxaki. Khumbula ukuba iindleko eziyimfuneko ziquka indawo yokuhlala, izibonelelo (ukungabali ukuhlawula ithelevishini), ukutya nokuhamba.
- Emva kokuba wenze njalo, ungaqala ukubuyisela kwakhona kwezinye iindidi. Kuya kufuneka ufune isisombululo sokuphakamisa umvuzo wakho. Oku kunokuthetha into yesikhashana njengokufumana umsebenzi wengqesho ngelixa uhlambulula ityala, okanye ubuyele esikolweni ukuze ufumane imali engaphezulu.
- Khangela iindlela zokunyusa umvuzo owufumanayo. Oku kungadinga ukulungiswa ngonaphakade kwaye kuya kufuneka ufune iindlela zokungena kumsebenzi ongcono ngokubeka iinjongo ezicacileyo kunye nokubuyela esikolweni.
- Unokufuna kuphela ukwandisa ingeniso yakho okwethutyana de uze uhlawule phantsi ityala lakho lekhadi lesikweletu kwaye unokulawula kakuhle imeko yakho yezemali.