Kukho imikhwa ephazamisa abantu rhoqo. Indlela olawula ngayo imali yakho imihla ngemihla yinto ebalulekileyo ekuphumeleleni kwakho ekwakheni ubutyebi. Ukuba uqaphela kwaye uhlahlo lwabiwo-mali, unokwakha ubuncwane bokwenene. Ngakolunye uhlangothi, ukuba uqhubeka nemikhwa emibi yemali, unokuphelisa kwaye ungakwazi ukufikelela kwiinjongo zakho zemali. Nazi iindlela ezisixhenxe zokuphuka abantu ngokungapheliyo. Ukuba ungaziphulaphula, unokufumana inkululeko engaphezulu yemali!
01 Akalokothi alandele iBhajethi
Ukuqhekeka ngokukhawuleza akubonakali ukuba ulwabiwo-mali. Isabelomali sisisityebi sakho esinamandla kakhulu ekufumaneni ulawulo lwemali yakho. Kukukunceda ubone ukuba ungakanani ukuchitha kwiindidi ezahlukeneyo. Kukunika amandla okuqala ukugcina okanye ukuhlawula ityala. Abantu abaninzi abanqwenela uhlahlo lwabiwo-mali bacinga ukuba izinto ziya kusebenza kunye kwaye ekugqibeleni izinto ziya kulungile. Inyaniso kukuba ngaphandle kokuba ubeke kwaye ulandele imida, unokuhlala usichitha ngaphezu koko ufumene. Kufuneka uthathe ulawulo lweemali zakho kunye neyona nto ibhajethi yakho. 02 Ichitha ixesha elininzi kwiiNkunkuma
Enye ingxaki abantu abaninzi abanokuyichitha kakhulu kwizinto ezingenakudingeka. Wonke umntu kufuneka abe nemali encinci yokuzonwabisa, kodwa ukuba uninzi lwemali yakho isetyenziswe kwizinto ezingagqibekanga kwixabiso, awuyi kutshintsha imeko yakho. Oku kungakho konke ukuchitha imali kakhulu kwimidlalo yevidiyo, izicathulo okanye ukutya kwimihla. Ukuba unokuyeka ukuchitha imali kwaye ubeke imida eqinile kwinto onokuyisebenzisa ngayo inyanga nganye, unokufumana imali eyongezelelweyo ukuze ufinyelele iinjongo zakho zemali. Amanyathelo amancinci yokumisa imali ingenza umehluko. Yenza nje umgomo wokuyeka ukutya ngaphandle okanye usethe umda kwiminye yemali kwaye uya kukwazi ukutshintsha imeko yakho. 03 AwuyiCwangcisekile ngezoNkcitho
Ukuba awunakulungelelaniswa nxamnye nokukhawuleza kwezemali ebomini bakho, ngoko yonke into encinci ingabangela ukukhutshwa okukhulu. Ingxowa-mali yongxamiseko yindlela enkulu yokusingatha iimeko eziphuthumayo. Bekela bucala imali yokugubungela izinto ezifana nokulungiswa kwemoto kunye neendleko zonyango. Xa usuhlalelwe ityala, ungagcina ngokwaneleyo ukufihla zonke iindleko zakho xa usenokulahlekelwa ngumsebenzi wakho okanye uneminye imeko apho ungakwazi ukusebenza. Oku kunceda ekukhuseleni ukuba ungeze imali engaphezulu kwiikrediti zakho kwaye ukwandise inani ogqityiweyo lokuhlawula inzala. I-04 ibeka Isicwangciso seMali esicacileyo
Abantu abahlala beqhekeka abonakala bengenaso icebo elicacileyo lwezemali . Kufana nokuhamba ngaphandle kwemephu ecacileyo okanye indlela yokulandela. Unokugqiba ukubona izinto ezintle, kodwa usenokwenzeka ukuba ulahleke kwaye ungaze ufikelele kwindawo oya kuyo. Nangona ungapheli ukulandela isicwangciso sakho sezimali ngokugqibeleleyo, sinokukunceda ukubeka phambili ukonga kwakho kwaye ubone ukuba yiziphi iinjongo ozidingayo ukuze usebenze ngokulandelayo. Isicwangciso sakho semali sifana nemephu ebomini bakho kwaye sinokukunceda uqonde indlela ofuneka ngayo ukuba uhambe kwisinyathelo esilandelayo kwisicwangciso sakho. Umcebisi wezezimali unokukunceda ukucwangcisa isicwangciso kwaye ubeke utyalo-mali olulungileyo ukukunceda ufinyelele iinjongo ozibekele zona. 05 Ayibeki Iinjongo zeMali
Uhlahlo lwabiwo mali kunye nokugcina imali kungabi nantoni na ukuba awunalo iinjongo ezicacileyo osebenza kuzo. Iinjongo zemali kunye nocwangciso lwezemali zihamba ngesandla. Abantu abasoloko bebonakala bephukile benza ukuba bangabeki iinjongo okanye bahluleke ukulandela ukwenza ukuba kwenzeke. Iinjongo zingenakukwazi ukufezekiswa ngenxa yokuba ixesha lexesha alinakwenzeka. Ukuba ufuna ukutshintsha imeko yakho, kufuneka ubeke iinjongo ezifanelekileyo nexesha elicacileyo. Iinjongo zinokuba ngamanyathelo ayisisiseko njengokuphuma kwetyala okanye ukugcina ukuhlawula kwindlu. Kufanele bahambelane nesicwangciso sakho semali. 06 Ichitha Imali Ngokukhawuleza Njengoko Yifumana
Ngaba ungumntu okhwela kwisitora umzuzu ohlawulwa ngawo? Ingaba imali iyatshisa umgodi ephaketheni lakho? Uninzi lwaphulaphula abantu basebenzisa ininzi yemali ngokukhawuleza xa befumana oku. Oku kubakho kuba baphila ngokwenene kwi-paycheck ukuze bahlawule kwaye baphume ngokutya kwaye kufuneka ukuba bangene esitolo. Ukuba unako ukulondoloza imali nganye yokuhlawula kunye nokulinganisela imali yakho eyongezelelweyo, uya kuba kwindawo engcono kakhulu kwimali. Isibalulekileyo sokwenza oku kuhlahlo lwabiwo-mali kunye nokulawula imali yakho. I-07 ithatha ukulinganisela kwiCredit Cards
Ukuqhawula abantu bavame ukuhlawula umdla kunokuba uzuze. Basenokuthi babe kufuphi nomda kumakhadi abo okwereta kwaye bathambekele ekuthathweni kwemali nganye ngenyanga. Ukuba uthetha umyinge inyanga nganye kwaye uhlawula umdla, awuyi kuqalisa ukwakha ubutyebi. Kubalulekile ukuba uyeke ukusebenzisa amakhadi akho ekwereta kwaye usebenze ekuphumeni kwetyala. Kuze kube yinto ohlawula ngayo inzala iya kukhulula umdla owufumanayo kulondolozo lwakho.