Ukuba imali yakho yokucima imali iyakususwa, awuyi kukwazi "ukuhamba phambili," nokuba ungenisa i-$ 30,000 ngonyaka okanye i-$ 300,000. Emva kokubona ngqo, kuya kuba lula ukwandisa imali ezayo.
Nazi ezintandathu eziqhelekileyo zemali engqondweni yakho omele uwele kuyo, kwaye ungayiphucula njani le miigibe yengqondo.
1. Ukuphila (Kuphela) kwi-Now
Kunzima ukwenza imali yakho ilulale xa ugxile kwizinto ezilula kwaye zikhangeleka ngoku. Ngokuqinisekileyo, kukhawuleza ukubamba ikhofi ekuhambeni kunokuba wenze ekhaya, kodwa loo ma-lattes angama-5 angongeza kwi-mboleko yemali eyongezelelweyo. I-smartphone yakutshanje ingabiza igama lakho, kodwa ukuba uzimisele ukuhlala nomzekelo wenyanga yokugqibela, unokubeka loo mali ekwakheni ukongiwa kwimeko engxamisekileyo.
Iyiphi injongo yokuhlala phantsi kweendlela zakho ? Ngelizwi: inkululeko. Ngexesha elizayo xa imoto yakho ihla, awuyi kufumana ukuhlawula imali. Ngexesha elizayo xa uhlaselwa nge-bill yezilwanyana ezingalindelekanga, awuyi kukufumana ulahlekelwe ubuthongo ebusuku. Esikhundleni sokuhlala kuphela kumzuzu wangoku, beka bucala ukuze ufumane ixesha lakho elizayo ukuze ujabule.
2. Ukugqithisa kakhulu
Ukuzingela ngokubambisana yinto enye; yinto ephantsi enye. Ungagxininisa ngokuthe ngqo kwixabiso lentengo. Endaweni yoko, cinga ngobungakanani kunye nexabiso jikelele.
I-Shell ikhupha i-$ 20 okanye i-$ 30 kwaye unokufumana iindidi zeembadada ezihlala iminyaka, kunokuba enye idlulele ekupheleni kwexesha. Spring ukuthenga izithako zokutya ezitsha ngokutsha kunokuhlala kwi-menu yemali kwi-local drive-thru, kunye nemiphumo emihle kwimpilo yakho inokusindisa amawaka kwiindleko zonyango.
Ngokufanayo, musa ukuchitha ixesha lakho elixabisekileyo ukuzama ukunyathela amapenki. Nangona kulungile ukuba uqaphele imali, ungalibali ukuba ixesha lakho lixabiso lakho elibalulekileyo. Ukuba ukuxosha umcimbi kudinga iyure eyongezelelweyo okanye ezimbini zokuphazamiseka, kwaye kukugcina kuphela i-$ 5, akufanelekanga ixesha lakho.
3. Ukuhlala Ngaphandle Kwakho
Ityala lekhadi lesikweletu lingakugcina kwiimfumba zemali kwiminyaka emininzi. Yeka ukuzixelela ukuba "ufanelwe" izinto ongenakho ukuzenza. Khawukhumbule ukuba oko ufanelwe yinto ebomini apho ungafanele usebenze uneminyaka engama-80 ukugcina iibhilikhwe zihlawulwa.
Musa ukuthenga izinto zabathengi ngetyala. Endaweni yoko, gcina imali kwangaphambili, ukuze ukwazi ukuziphathela into onokuyithengisa ngokwenene.
4. UkuWing
Akunandaba nokuba unjani imali xa ungayazi ukuba uyaphuma njani kwisikhwama sakho. Ukuba unalo uhlahlo lwabiwo-mali, yiza nommiselo owodwa. Kuyafana nokwakhiwa kweengxowa-mali zexakeka kunye nokudala isicwangciso sokulondoloza umhlalaphantsi. Xa ungayilandeli apho imali yakho ihamba khona, inomdla wokuba ubaleke ngokukhawuleza.
Indlela eyona ndlela "yokuhlawula lakho ikusasa" kukukwenza uhlahlo lwabiwo-mali. Kodwa oku kungathatha iintlobo ezahlukeneyo. Unokuzama uhlahlo lwabiwo-mali lwemveli . Unokuzama uhlahlo lwabiwo-mali oludidiyelweyo oluthathu .
Yaye ukuba uhlahlo lwabiwo-mali lugqithisi kuwe, zama ulwabiwo-mali.
5. Ukuzonda
" Uhlahlo lwabiwo-mali " akumele lube lizwi elingcolileyo. Ayikho "imali" okanye "ukucwangcisa umhlalaphantsi." Kukho iinkonzo ezininzi kunye nezixhobo ngaphandle apho kunokuthatha umsebenzi onzima kumagxa akho kwaye uguqulele imali yakho kumdlalo (okanye, ubuncinane, umngeni wokuzonwabisa). Fumana izixhobo ezivakalelwa enembileyo kuwe kunye nokuphathwa kwemali kuza kuba lula.
6. Ukulahla iRhafu
Kuzama ukunyusa irhafu. Kubonakala kubangele kwaye kunzima. Kodwa oku kwenza umda omkhulu kwimali ehlala ephaketheni lakho. Ucwangciso lwerhafu lubaluleke kakhulu njengoko uhlahlo lwabiwo-mali, utyalo-mali kunye nazo zonke ezinye iindlela zokulawulwa kwemali.
Thetha kwiCPA malunga nendlela yokunciphisa umrhumo wakho werhafu, kwaye ucinge ngemiphumo yerhafu yezigqibo ozenzayo.
Ukuba uthatha isigqibo sokufudukela kwenye indawo okanye urhulumente, umzekelo, cinga ngendlela oku kuhamba ngayo kuya kuchaphazela umrhumo wakho werhafu - kwaye ke ngoko, kuya kuthinta njani uhlahlo lwabiwo-mali lwakho.
Iingcamango Zokugqibela
Imali ayifuni ukuba ixinzeleleke okanye ixakeke. Khangela ukuphathwa kwemali ehlakaniphile njengesipho oza kukunika sona. Zikhulule kwiingcinga ezimbi kunye neemvakalelo zemali. Ukuphucula i-mindset yakho yemali yinyathelo lokuqala kunye neyona nto ibalulekileyo ekudaleni ikusasa lemali eliphumelelayo.