Okokuqala Fumana kwiBhajethi
Enye yezinto zokuqala omele uyenze ukukwenza isicwangciso-mali esisisigxina onokuyilandela inyanga nganye. Oku kubalulekileyo kuba kuya kukunqanda ukuba ungene kwisikolo inyanga nganye. Kunzima ukuphuma kwetyala xa uqhubeka ungeze ityala. Uhlahlo lwabiwo-mali luloluhlu olukhulu kunye nolona luleke kakhulu kukunceda ufumane ulawulo lweemali zakho. Emva kokuba ubeke uhlahlo lwabiwo-mali, kwaye ufumene imali eyongezelelweyo ukubeka ityala lakho ungaqalisa ukuphuma kwetyala ngokukhawuleza nje kunokuhlawula imali ephantsi.
- Uhlahlo lwabiwo-mali luyakunceda ukuba ufumane imali ethe xaxa ukubeka ityala.
- Inokukunceda ukuba uyeke ukuya kwintlawulo nganye ngenyanga.
- Inika ulawulo kwaye ikuvumela ukuba usethe izinto eziphambili.
Ukuseka iSicwangciso soTyala lokuTyala
Isiseko sokumisela isicwangciso sakho sokuhlawula ityala sikubandakanya ukuba ubhale inani elifunekayo, inzala kunye nenkokhelo encinci yetyala ngalinye. Emva koko uluhlu lwamatyala ngendlela ofuna ukuyihlawula ngayo.
Unokwenza oku ukusuka kwinqanaba lexabiso eliphezulu ukuya kwelona liphantsi okanye ukusuka kwelinye lamatyala amancinci ukuya kwelona likhulu. Unokusebenzisa i-calculator ye-intanethi kwi-intanethi okanye inkonzo efana ne- SavvyMoney eya kukunceda ubone ukuba ungakhokha njani ngokukhawuleza ityala ngokunyusa inani olihlawulayo kwinyanga nganye nyanga. Ukuba unako ukufaka isicelo kwi-matyala, ngokukhawuleza uza kukwazi ukuhlawula.
- Ukugxininisa imali yakho eyongezelelweyo kwelinye ityala ngelixesha kukuvumela ukuba uhlawule ityala ngokukhawuleza.
- Khuphula imali eyongezelelweyo ngokuthengisa izinto okanye usebenze umsebenzi owongezelelweyo ukukhawulezisa inkqubo. Ukuthatha ixesha lokumisela ukuthengiswa kweyadi okanye ukurhweba izinto kwi-eBay kungenza umehluko omkhulu.
- Ukuhlawula ityala lakho kuqala.
Nciphisa iRhafu yeMali
Ukunciphisa amaxabiso akho anomdla kuthetha ukuba ininzi yentlawulo yakho iya ngqo kumgaqo wemboleko kunokuba uhlawule kwimali. Kukho iindlela ezimbalwa ongayicinga ngazo. Enye kukudlulisela izilinganiso zekhadi lesikweletu kumntu obonelela ngenani lentengo yexeshana. Oku kuya kukunceda ugcine imali eninzi kunyaka, xa nje ugxininise ekuhlawuleni ityala. Enye inketho kukuthatha umboleko wokuhlanganiswa . Andicebisi ukukhipha imali yokulinganisa ikhaya lakho ukwenza oku. Ukuba wenza imali-mboleko yokuhlanganiswa, ufuna ixabiso lentengo elingaphantsi kwesantya ohlawulayo kunye nento esetyenzisiweyo. Ukuba ukhetha enye yezi zikhetho, kufuneka uyeke ukusebenzisa amakhadi akho ekweretyana ngokukhawuleza ngoko ungeze wongeze kwityala lakho kwaye uphele imeko apho unetyala ngaphezu kwakho okwangoku.
- Cinga ukucela ibhanki yakho ngenani lemali elincinane kwikhadi lakho lekhredithi. Ezinye iibhanki zinokuthi zikulungele ukunciphisa inzala.
- Xa ukuhambisa imilinganiselo phakathi kwamakhadi ekhredithi maziqiniseke ukuba ukhangele imali ephantsi kakhulu yokuthumela imali kwaye uzama ukuhlawula ikhadi ngokukhawuleza.
- Qiniseka ukuba ufunde ukushicilelwa okulungileyo xa ufaka isicelo semali mboleko yokuhlanganiswa, kuba iirhafu zitshintsha.
UkuCetyiswa kweNkcazo kunye neNkonzo zoLungiswa kweMatyala
Ukuba unenkcitho enzima ukwenza iintlawulo zakho ngoko unokufuna ukucinga ngetyala lokunikwa ngetyala okanye inkonzo yokulungiswa kwetyala . Ezi nkonzo zibonisa ingxelo kwingxelo yakho yekredithi kwaye kufuneka ibe yinto yokugqibela ngaphambi kokubhankwa kwebhanki. Inkonzo yokunika iingcebiso ngekhredithi ibhetele kunokuba kuhlawulwe amatyala. Kufuneka uqaphele ngeenkampani ozikhethayo ukujongana nazo, kuba ezininzi zeenkampani ziza kuvala ngokukhawuleza ubusuku kwaye zithathe imali yakho nazo. Unokuxoxisana nokuhlawulwa kwetyala xa usuvele usemva kweentlawulo zakho.
Ukuba uhlawula amatyala, kuya kuthinta irhafu yakho, kwaye kufuneka ulungele ukuhlawula irhafu kwixabiso elixolelwe.
- Ukuhlawulwa kwematyala kuyindlela efanelekileyo kuphela ukuba sele usele emva kweentlawulo zakho.
- Ukucebisa ngeengcebiso kunokunceda ngohlahlo lwabiwo-mali kwaye usebenze isicwangciso sokuhlawula.
- Qinisekisa ukuba uphando ngononophelo iinkampani ozicingayo ukusebenzisa. ezinye iinkampani zivumelekile, kodwa ezinye azikho kwaye zingagqiba ukuthatha imali yakho kwaye zingancedisi nonke.
Ukuhlala Ngaphandle Kwetyala
Emva kokuba usebenze kanzima ukuhlawula amatyala akho, kufuneka usebenze kanzima ukuhlala ngaphandle kwetyala. Oku kuthetha ukuba ufanele uqhubeke nohlahlo lwabiwo-mali, kwaye kufuneka ucwangcise ikusasa. Ukubeka iimali eziphuthumayo kunye neengxowa zokucoca kufuneka kukuncede ukuba uhlangabezane neendleko ezingalindelekanga kunye nokulungiswa kwemoto. Uya kuyidinga ukudala isicwangciso sezimali esiqinileyo sokuba izicwangciso zeendleko ezifana nokuthenga ikhaya lakho lokuqala kunye nomhlalaphantsi. Nangona ungeke ufune ukuqhubeka ubeka ingqalelo kubhajethi yakho, kunye nemali yakho, kuya kufuneka wenze njalo ukuba ufuna ngokwenene ukwenza kakuhle ngemali.