Iingcebiso zokuNciphisa iindleko zakho kwaye wenze okugqithiseleyo kwiBhajethi yakho
Enye yeemeko ezinzima ngakumbi zezimali zemali ukucinga indlela engcono yokusebenzisa imali yethu. Ngesizukulwana seMillennial, ngokukodwa, kunzima ukubona indlela yokugcina enkulu kwibhajethi encinci. Kodwa, isitshixo ekunciphiseni iindleko zakho kukunciphisa okufutshane kwindawo nganye. Kungathatha umsebenzi omncinane ekuqaleni kodwa uya kufumana uxinzelelo lwakho lwezezimali luqala ukunciphisa xa unako ukugcina nokuhlawula amanye amatyala akho .
Nazi iindlela eziyi-8 ezilula kodwa ezinempumelelo zokunciphisa iindleko zakho.
1. Beka nayiphi na ibhonasi kwi-savings.
Akukho mvakalelo engcono kunokufumana i-$ 20 kwipokethi elidala okanye xa uhlamba imoto yakho. Esikhundleni sokukhawuleza imali leyo kunye nokulahlekelwa yinto yesibini, zihlawule kuqala ngokuzifaka ngokuzenzekelayo kwi- akhawunti yakho yokugcina .
2. Yenza ukutya ekhaya.
Kungaba nzima ukufumana amandla okwenza isidlo emva komsebenzi omude ngosuku. Qala ngomkhwa wokupheka ubuncinane kabini ngeveki, ukuba uyadla ngokuphindaphindiweyo, kwaye ngokukhawuleza ukwakha ukuya kweethathu okanye ezine ngeveki. Ukuba akunjalo ngokwenene kuwe, fumana ixesha ngeCawa ukuze udle ukudla kwangaphambili ukudla okulula kweveki. Ngale ndlela uza kulungela ukutya xa usuka ekhaya uvela emsebenzini.
Kuyafana nekhofi. Ukuthenga ikofi imihla ngemihla kunokubonakala ngathi yindleko encinci kodwa ibeka intsimbi kwiphakethi yakho ngokukhawuleza.
3. Yenza uludwe lokutya ngaphambi kokuya kwivenkile.
Ukuba uye wabuyela kwisitolo sokutya ngaphandle kohlu okanye xa ulambile, unokuzama ukuthenga ukutya okungaphezu kokuqhelekileyo.
Cwangcisa kwangaphambili oko uza kuyidinga kwiveki ngaphambi kokuba uye esitolo ukuze ungaqiniseki nje ukuba awulibali nto kodwa uzonqanda ukukhetha izinto ezingaphezulu ozidingayo. Uluhlu lunceda uqinisekise ukuba ugweme ukwenza olunye uhambo olungadingekile kunye nesilingo.
4. Beka umda wokuthenga.
Yenza umkhwa wokuphepha ukuthenga izinto ngefuthe.
Ukuba ufumanisa ukuba ufuna isambatho esibi kakhulu ukhubekile kwi-mall, linda usuku okanye ezimbini ubone ukuba usacinga ngako. Oku kukuvumela ukuba uhlolisise i-intanethi kwi-intengiso engcono okanye isaphulelo.
5. Gcoba i-closet yakho kwaye uthengise oko unokukwazi.
Njengoko kusondela intwasahlobo, kungase kube ixesha lokuhamba ngekhamera yakho kwaye ulahle izinto ongazange uzigqoke. Ezi zambatho zithatha indawo eyongezelelweyo kwaye iyakwazi ukufumana imali eyongezelelweyo. Xa usuyenzile ukucoca okunzulu ukujonga ekubanjeni igalaji ukuthengiswa okanye ukuthengisa ezinye zezinto zakho kwisitoreji somthwalo.
6. Ukukhansela ubulungu beblabhu okanye ii-billing zokuzonwabisa.
Kungaba lula ukulibala malunga neentlawulo zethu zenyanga zenyanga ngokuzenzekelayo. Ukuba unobulungu bokuzivocavoca oye wahlala unalo kodwa ungalisebenzisi, unokuba nexesha lokulikhansela. Ukongezelela, ukuba unayo ikhebula kodwa uzakufumana ukujonga i-Netflix ukubona ukuba kunengqiqo ukucima umrhumo wakho wekhefu. Ukuchitha imali eyi-100 ngenyanga ngenyanga kwikhefu kungabonakali ngathi kuninzi ngenyanga kodwa i-$ 1,200 ngonyaka onokuyigcina! Ukunciphisa iindleko ezongezelelekileyo ongayisebenzisi kangangoko kunokukwenza umlinganiselo omkhulu kwibhajethi yakho.
7. Yamkela iiprojekthi ze-DIY.
Endaweni yokuphuma ukuyothenga imaski ebusweni obutsha, khangela ukuba unokwenza kunye nezinto onazo ekhaya.
I-Pinterest iyisisimangaliso se-DIYers. Yisebenzise ukuze ufumane ii-recipes ezilula, ezilula zokutya, ukucoceka kunye neendlela zokusebenzisa ezininzi kwizinto ozenzayo malunga nendlu.
8. Sebenzisa i-app yohlahlo lwabiwo-mali.
Kulula ukuchitha imali xa singagcini imida kwaye siziphendulela. Ezinye iinkonzo ezifana ne-Mint ne-Quicken zinokukunceda ukuba ulandelele imali yonke imihla, ngeveki, okanye rhoqo ngenyanga ukuze ubone apho ufuna ukukhawuleza kwaye ufumane iingcebiso ezenziwe ngabanye ezixhomekeke kwiimfuno zakho zezimali kunye neenjongo .