Ukwenza uhlahlo lwabiwo-mali luyinxalenye ebalulekileyo yesiseko esinamandla sezimali. Ukuba nesabelomali kukunceda ukuphatha imali yakho, ukulawula imali yakho, ukugcina imali ethe xaxa, ukuhlawula ityala lakho , okanye ukuphuma kwetyala. Ngaphandle komfanekiso ochanekileyo wokungena kunye nokuphuma kwi-akhawunti yakho yasebhanki, unokukwazi ukuthembela ngokukhawuleza kumakhadi-mboleko kunye neemboleko zokutya kunye nokuhlawula iindleko zakho. Ukuba sele unayo, ngoku lixesha elifanelekileyo lokulihlaziya.
Khuphela uze uprinte iphetshana lokusebenzela
Ukusebenzisa iphepha lokusebenzela liya kunceda uqalise. Ungayisebenzisa ukugqiba onke amanyathelo angezantsi. Unokwenza kwakhona ishicilelo sakho sebhajethi usebenzisa isofthiwe yespredishithi okanye nokuba nephepha ipeni.
Bhala uluhlu lwakho lweNgeniso
Yongeza yonke imithombo ethembekileyo yengeniso - umvuzo ovela emsebenzini, i-alimony, inkxaso yenkxaso yabantwana, njl. Qaphela ukuba ndithembeka. Ukuba ngamanye amaxesha ufumana imali ngaphandle kwemisebenzi okanye izinto zokuzilibazisa, kodwa akusiyo rhoqo, ungayifaki phantsi njengengeniso kwibhajethi yakho. Uhlahlo lwabiwo-mali lube ngumqulu onokuthembela kuwo.
Ukuba uqeshwe okanye ufumane imali engenayo, sebenzisa imali engenayo yenyanga okanye uqikelelo lwemali engenayo oyilindele ukuyifumana loo nyanga.
Yongeza Iindleko Zakho
Ezinye zeendleko zakho zenyanga zizinzileyo - i-mortgage / rent, i-tax tax, ukuxhasa abantwana, i-alimony - ngelixa ezinye zingatshintsha-umbane, amanzi, ukutya. Bhala zonke iindleko ezichanekileyo kunye nemali yeendleko.
Ngeendleko eziguquguqukayo zakho, bhala inani eliphambili oceba ukulichitha kulolu hlobo okanye inani olilindele ukuba ibhilikhwe yakho ibe. Ngokomzekelo, unokwenza uceba ukuchitha i-$ 200 kwizidlo kunye ne-150 kwi-gas.
Sebenzisa izitatimende zakho zebhanki kukukunceda ukuba usebenzise oko uhlala uchitha ngenyanga nganye kwaye uqinisekise ukuba awuyikushiya imali kwiinkalo.
Ezinye zeendleko zakho azikho ngenyanga nganye. Kodwa, ukuhlawulwa kweendleko zexesha lebhajethi yakho yenyanga kunokukwenza kube lula ukuzifumana xa zifanelekile. Ukwahlula iindleko zonyaka nge-12 kunye neendleko zonyaka zonyaka nge-6 ukuza kunye nenani lemali eliza kuchitha kula mahlelo.
Bala iNgeniso Yakho Yemali
Ingeniso yakho yomnatha yinto oshiye ngayo emva kokuba zonke iintlawulo zihlawulwe. Ufuna ukuba le nto ibe yinombolo enobungqina ukuze ukwazi ukubeka ityala lakho. Bala inani lakho ngenzuzo ngokukhupha iindleko zakho kwiholo lakho leenyanga. Bhala inani, nangona libi.
Lungisa iindleko zakho
Ukuba inzuzo yakho yomnatha ayinayo, kuthetha ukuba uhlahlose imali ukuchitha imali engaphezulu kweyakho engenayo. Kuya kufuneka ulungise oku. Ngaphandle koko, uya kuvela kwingxaki ngexesha lwenyanga. Iindleko eziguquguqukayo ziqhelekileyo kwiindawo zokuqala onokuzicwangcisa ukuchithwa kwemali, umz., Ukutya, ukutya ngaphandle, ukuzonwabisa, i-gas. Enye yeendleko zakho ezizinzileyo zingaguquleka, umz., Ukunciphisa ikhebula okanye umrhumo wefowuni, ukukhansela ubulungu be-gym, ungathathi ikhefu kulo nyaka. Hlola indlela ochitha ngayo usebenzisa uhlalutyo olufunayo kunye neemfuno. Ukunciphisa okanye ukuphelisa imali kwiindawo "ezifunayo" ukwenza indawo engakumbi yezinto "ezidinga" ukuchitha imali.
Ukulandelela Ukusetyenziswa Kwakho
Kuyo yonke inyanga, landela iindleko zakho ngokubhekiselele kwinto oye wahlawula ngayo. Ukuba uya kuhlahlo lwabiwo-mali, oku kuya kukunceda uqonde apho uchithe imali eninzi. Kwixesha elizayo, unokunyamekela ukuba ungadlulanga imali kwiloo ndawo. Okanye, unokufuna ukulungelelanisa uhlahlo lwabiwo-mali ukuhlawulela imali eyongezelelweyo. Ukuba ukwandisa uhlahlo lwabiwo-mali kwindawo ethile, yinciphisa kwenye indawo ukuba ungagqibi uhlahlo lwabiwo-mali.