Indawo enokuqala ukuqala kukusebenzisa ezi ntandathu zemali ezinokuthi zilungele indlela ochitha ngayo, zikhulise indlela ozoyifumana ngayo, kwaye zikhulise indlela ogcina ngayo, yonke into eninzi kakhulu. Ezi ziindlela zansuku zonke ezidala ubudlelwane obuhle nemali yakho.
Siphule le mali ihlahlela kwiintlobo ezintathu: Ukuchitha imali, Ukugcina, nokufumana .
Ukuchitha iiHacks
Ukuchitha iHack # 1: Uchitha imali kuphela.
Le ngqekembe yokuqala yokuchitha imali yindlela ephosakeleyo yengqondo: uchitha imali kuphela. Kuzwakala kukugqithiseleyo, kodwa umgaqo apha kukuba ukuba uphelelwa yimali kufuneka ulinde uze ufumane ngaphezulu ukuchitha kwakhona. Esi sikhumbuzo somzimba somgaqo olahlekileyo kumaMerika ixesha elidlulileyo; ungathengi into ongenako ukuyisebenzisa. Ngaba ufuna iphoyinti ukwenza le ngqungquthela ilula? Zama oku: fumana imali oyifunayo ngeveki kwiibhilikhwe ezinkulu ezifana ne-50 kunye ne-100s. Oku kubizwa ngokuthi "Impembelelo yeNkohlakalo" ebonisa ukuba amathuba okuchitha imali aphantsi xa imali elinganayo imelwe ngumthetho-mthetho omnye.
Ngokomzekelo, kulula ukuchitha ii-bili ezili-10 zeebhilikhwe kunokuba zichithe enye i-bill ye-$ 50.
Ukuchitha iHack # 2: Ukusika amakhadi akhotyala - kodwa ungawakhansela.
Ukuvula nokuvala imigangatho eyahlukeneyo yemboleko ingaba iiflegi ebomvu kumthengisi wakho olandelayo, ngoko asiyikukhuthaza ukuba ukhansele amakhadi akho ekwereta. Kunoko, vele uwanqume.
Ukuba unganqikaza ukusika ikhadi lakho lekhredithi xa ufuna ukuba yimeko engxamisekileyo, uze uyibeke kwindawo engafumaneki lula ngethuba elithile. Ungathathi ikhadi lakho lesikweletu kunye nawe xa uhamba esidlweni okanye kwiifilimu, kwaye ngokuqinisekileyo uyeke ekhaya xa uthengela. Yenza sengathi ikhadi lakho lekredithi alivumelekanga okwethutyana.
Ukugcina iiHacks
Ukulondoloza iHack # 1: Yenza ukuvalwa kwezomnotho.
Oku kungaba yenye yezinto ezigqithiseleyo zemali, kodwa ukuvalwa kwezomnotho kuyindlela enhle yokwenza uhlambululo lwezemali oluya kuphelisa umjikelezo onobungozi wokugqithisa imali kwaye ungasindisi. Ngexesha lokuvalwa kwezomnotho uza kuchitha imali kuphela kwizinto ozifunayo, kwaye akukho nto enye. Nangona kungabi ngathi kunandi, iziphumo zikhulu. Enyanisweni, ungasindisa kuyo yonke indawo ukusuka kwi-30-50 ekhulwini yakho yengeniso! Cofa apha ukuze wenze isicwangciso sinyathelo-nyiweyo malunga nendlela yokuqalisa ukuvalwa kwezomnotho namhlanje.
Ukulondoloza likaHack yilelo mdlalo
Le yinto elula yokwenza imali engakwazi ukufaka inkatho kwi-wallet yakho. Kuyinto elula njengale: nanini na xa ufumana kwisimo esiqhawulayo, zitshintshe umlinganiselo ofanayo. Ngokomzekelo, ukuba uya kudla isidlo uze unike umncedisi wakho $ 8, ufake i-$ 8 kwi-akhawunti yakho yokugcina. Kuyinto efanelekileyo yokutyelela ekulondolozeni okunokwenene.
Ukufumana iiHacks
Ukufumana iiHack # 1: Fumana imivuzo yakho ... kwaye uyisebenzise.
Ukuba awuzange unqumle ikhadi lakho lekredithi okanye ulibeke ngaphandle kwexeshana (njengoko kucetyiswa kwi-Spending Hack # 1), qiniseka ukuba ufumana okuthile ngaphandle kwekhadi lesikweletu onalo. Uninzi lwabaninzi abathengisi begama ngoku banomnye uhlobo lwemivuzo / inkqubo yokwethembeka njengeKroger Plus Card yeCVS ExtraCare. Qinisekisa ukuba uphando malunga namaphi amakhadi ekwereti anemiphumo emihle kunye neenkqubo zemali ezisezantsi kunye nokwenza uninzi lwabo. Gcina ukhumbule ukuba ukuba uya kusebenzisa ikhadi lekhredithi, ukuyihlawula rhoqo ngenyanga kubaluleke kakhulu ukuba uhlale ungena kumgibe wetyala.
Ukufumana Hack # 2: Thengisa izinto zakho
Ingaba unesigqeba sezinto zokugqoka ezithatha indawo kwindawo yakho? Okanye mhlawumbi izikhwabanisa awuzisetyenzisi, okanye uphinde uphinde ufune indawo ethile yefenitshala endala?
Nangona ukunikela izinto ngaphandle kobubele kukuhlala kukuhle, cinga ukufumana imali encinci yale mali ngokusebenzisa enye yezinto ezininzi ezitsha ezikhuselekileyo, ezikhethiweyo kwi-intanethi apho ungathengisa khona iintlobo zeempahla. Iinkampani ezifana ne-OfferUp, Tradesy, Sihlalo, iTredUP, Poshmark, Threadflip, Snobswap zikhethwa zikhetho ezintsha, kunye ne-Facebook ngoku "ithengi, ithengise, ithengise" amaqela onokuzibandakanya ezisekelwe kwingingqi yakho.
Ngaba uzama ukuphuma kwetyala, ukugcina into enkulu njengemoto, okanye ukufuna nje indlela yokwenza okungakumbi ngemali yakho? Ukuba kunjalo, nceda ukhupha le e-ncwadi enkulu, i-17 Hacks ye-Money, equka i-11 engaphezulu yemali eyokuqala eyokuqala.