Unokucinga ukuba yimali okanye ubungakanani betyala lakho elikugcina ityala lakho. Okanye, ezo zinokuba zizathu zokuba uxanduva lokuphepha ukujongana netyala lakho. Ukuba ezi zizathu zigcina i-tyala, sekuyisikhathi sokuyeka ukuzithethelela kwaye uqale ukwenza inkqubela phambili ukuze ulahlekise ityala elilungileyo.
1. Andiyi kuyenza imali efanelekileyo
Ngaba ukhangele uhlahlo lwabiwo-mali kwaye uchithe uqinisekise ukuba awunayo?
Mhlawumbi akunjalo. Ukuba uthatha ukhangele ngakumbi, unokufumana indawo onokuyinqumla ukuze ufumane imali engaphezulu yokuhlawula ityala lakho. Kodwa, nangona ukuba ingeniso yakho ephezulu, mhlawumbi unokufumana ezinye iindlela zokwenza imali ngetyala lakho njengokuguqula into yokuzilibazisa kwishishini elincinane okanye ukuthatha umsebenzi wengqesho.
2. Ndiya kuhlawula xa ndifumana ukuphakama
Kuthekani ukuba kuthatha ixesha elide kunokuba ulindele ukuphakanyiswa? Okanye kuthekani ukuba awunakufumana enye? Kuyafaneleka ukuba uqale ukukhawuleza kwetyala lakho ngokukhawuleza kunokuba emva koko. Emva kokuba uhlala unamatyala, unomdla ogqitywa ngawo ukuhlawula.
3. Ndinezinye iinjongo zemali
Kunzima ukubeka phambili ityala ngezinye iinjongo ezifana nokulondoloza umhlalaphantsi okanye ukubeka imali ekufundisweni kwikholeji yengane yakho. Nangona kunjalo, ukugcina ityala lakho liyakwenza okubi ngaphezu kokulungileyo. Esikhundleni sokuba uxoxe elinye ityala ixesha elithile, fumana ukulinganisela phakathi kokuhlawula amatyala kunye nokufezekisa ezinye iinjongo zemali.
4. Andiyi kuwuhlawula ngaphandle
Sebenzisa ityala lokuhlawula i-calculator ukuxhuma kwiimali zakho kwaye ufumane ingcamango echanekileyo yokuba kuza kuthatha ixesha elide ukuhlawula ityala lakho ngokusekelwe kwiintlawulo onokuzenza. Unokumangaliswa kukufumanisa ukuba akuyi kuthatha ixesha elide njengoko ulindele. Ngelixa usebenza kunye ne-calculator, zama ukunyusa inani lakho lokuhlawula ukuba ubone ixesha elingakanani lokuhlawula ixesha lokuhlawulwa kwetyala ukuba unako ukulawula ukubeka nje encinci kwinqanaba lakho.
5. Andiyi kuba nexesha lokugxila kulo
Kunzima ukuthatha ixesha lokugxila kwiimali zakho xa sele uninzi kwindawo yakho. Ukuba unokwenza iiyure ezimbalwa nganye ngenyanga uhlalutye uhlahlo lwabiwo-mali, hlalutya ityala lakho limi, kwaye unqume oko ungakuhlawula ityala lakho nyanga zonke, kuya kuhamba ixesha elide ekuphuculeni iimali zakho. Ukuhlawula ityala lakho kukunika into encinane kunokukhathazeka malunga nokuba ixesha elichithwayo lifanelekile.
6. Akangandizi
Ngenxa yokuba awuboni imiphumo yokuba ityala akuthethi ukuba abakho. Cinga malunga nokuba uhlawula malini amatyala akho ngenyanga. Emva koko cinga malunga nento ongayenza ngayo loo mali ukuba wawungayichitheli ityala. Yaye, ngaphandle kokuba lonke ityala lakho lingenalo umdla, ke wenza ukuba abatyala bakho batyebi kunokuba basebenzise loo mali ukuze bafezekise iinjongo zemali.
7. Wonke umntu unetyala
Nangona kuyi nyaniso ukuba inani elikhulu lamaMerika linetyala, oko akuthethi ukuba kulungile ukuba netyala lakho. Xa usakhula, abazali bakho basebenzisele "Ukuba bonke abahlobo bakho baphuma kwi-cliff ..." isizathu sokuba bakufundise ukuba akudingeki wenze oko wonke umntu akwenzayo. Into efanayo iya kuba ityala. Ngaphezu koko, akunjalo ukuba wonke umntu unetyala.
Unokuqala ukuhlaselwa ngetyala lakho ngokuhlawula uluhlu lweeakhawunti zakho kunye nemali oyibolekileyo. Hlaziya uhlahlo lwabiwo-mali ukuze ufumane ukuba ungayinceda encinane ukuba uhlasele ibhalansi yakho kwaye uqale ukuhlawula izikwereti zakho ngomnye. Akukho zizathu.