Gcina imali ngokuqonda ukuba kutheni uyichitha
Ukufikeleleka lula kwiTyala
Kubantu abaninzi, esi sizathu esikhulu sokwedlula imali.
Khangela nje ukujonga kwibhokisi yakho yeposi kwaye uya kuqonda ngokukhawuleza ukuba kutheni. Abantu baxhamla ngekhadi lesikweletu, ukuboleka imali, ukubolekwa kwemali mboleko, kunye nokuhlaziywa kwemali ngokubonelela imihla ngemihla. Ngokuqhelekileyo, ngokugcwalisa ifom elifutshane okanye ukuxhuma kwiwebhusayithi yabo kuya kuba konke okufunekayo ukufumana umgca omtsha wekhredithi.
Iyakwazi ukuzivakalelwa njengeemali. Bathumela ikhadi elinomlinganiselo we-$ 2,000, ngoko kulula ukucinga ukuba ngoku unako ukufikelela kwimali eninzi. Ngelixa unako ukufikelela kule ngxowa-mali eyongezelelweyo, iingxaki zangempela ziqala xa uhlawula izinto ongenayo imali ukuyihlawula. Kulula kakhulu ukucinga malunga neentlawulo ezincinane zenyanga kunokuba kuthengwe intengo yokuthenga.
Ukufikelela okulula kwiCash
Khumbula iintsuku apho ufanele ufumane iphepha lokukhangela kumqeshi wakho, wenze uhambo oluya kwibhankini ukulifaka, uze ugcine imali ngesandla okanye ubhale amasheke? Lezo ntsuku zide zide, kwaye abaninzi abantu banokufikelela kwi- akhawunti yabo yasebhanki iiyure ezingama-24 ngosuku.
Oku kunokuba yingozi.
Xa kwakufuneka uncike ekugcineni imali eyaneleyo ngesandla okanye ngokukhawuleza ulinganise i-checkbook yakho imihla ngemihla, isenzo sokuchitha imali sasithetha ukuba kufuneka wenze ucwangciso oluncinane kunye nezinye izibalo ezilula. Ngoku, konke okufuneka ukwenze kukutshintshela ikhadi lakho lokubambisa ngathi uya kuba nekhadi lesikweletu kunye neemali zikhishwe ngekhompyutha kwi-akhawunti yakho.
Xa ungekho ngomntu ukunika imali okanye isheke ekuthengeni, unokucinga ukuba ungeyisebenzisi imali nonke. Zama ukusebenzisa imali ukuze usebenzise imali yakho phantsi kolawulo.
Ukusebenzisa kakubi iiCredit cards
Amakhadi enkoleko angaba sisixhobo esikhulu xa sisetyenziswe kakuhle. Ngeentsuku zokuqala, la makhadi afuneka ukuba uhlawule ibhalansi ngokupheleleyo inyanga nganye. Oku kungena ngokufanelekileyo njengoko unako ukuthenga ngaphandle kokusebenzisa imali yakho kwaye uhlawule yonke into ekupheleni kwenyanga. Ngempumelelo, le mboleko yesikhashana-ntle inzala. Xa isetyenziswe njengenjongo, le nto ingaba yintsimbi enamandla.
Ingxaki yilapho uqala ukuvumela ukuba ibhalansi ithwale inyanga inyanga. Ukuba wenza i-$ 200 yokuthenga kwikhadi lakho lesikweletu kwaye ufumanisa ukuba ekupheleni kwenyanga awukwazi ukuhlawulela imali epheleleyo, uqalise umthamo otyumkileyo. Inokuqala ngeenjongo ezilungileyo ngelixa uzithembisa ukuba uya kuba neenyanga ezizayo, kodwa ngokuphindaphindiweyo kunokuba akunjalo, oko akukwenzeka.
Yilapho amaxabiso amaninzi aphezulu kumakhadi aqala ukukulimaza. Ikhamphani yekhadi yenza inkokhelo encinci ngenxa yemali encinane kakhulu, oko kuthetha ukuba unakho ukukwazi ukuhlawula, kodwa ukuba uqhubeka uhlawula ubuncinci , uza kugqiba ukuchitha iminyaka engama-20 ezayo ukuhlawula ukuthenga kwangaphambili sichitha ngaphezulu kwenzalo kuneendleko zento yokuqala.
Leyo ayikho indlela yokwakha ubutyebi.
Ukunikela kwisilingo
Ngaba uke waba nomhlobo okanye umhlobo osebenza kunye nawe kwaye ucebise umsebenzi ocolileyo? Wonke umntu uyakuthanda ukuphuma kwaye ube nexesha elifanelekileyo, kodwa kufuneka uqinisekise ukuba kusemgangathweni wakho wezemali. Sonke sifuna ukunwabela ubomi, kodwa kubalulekile ukwazi ixesha lokuhla. Kungaba lula ukuphuma kunye nokutya okanye kwiifilimu uze uhlawule ngokuhlwa kunye nekhadi lakho lekhredithi, ukuba ukuba awuyi kuhlawula ngokupheleleyo inyanga nganye kuthetha ukuba uya kuhlawula ngaloo nto ngokuhlwa. .
Musa ukuxhamla ikusasa lakho lwezezimali ngamanandi ambalwa enetyala namhlanje ukuba ayikho kwibhajethi yakho. Ukuba uyazi ukuba awukwazi ukuthenga umcimbi, musa ukuzithoba. Endaweni, mema abangani bakho kwixesha lesidlo, ubusuku bwedlala, okanye omnye umsebenzi apho unako ukuhlala ujonga kunye, kodwa ngaphandle kokuphula imali yakho.
Ukuchitha imali ukuziva ulungile
Masijongane nayo-ukuzithenga into enokuziva. Ingaba kukho iindidi ezintsha zeembadada, umdlalo omtsha wevidiyo omnandi kakhulu, okanye nokuba yincwadi enhle-sonke siyavuya ukufumana into entsha. Akukho nto iphosakeleyo ngale nto, ngokungakhathaliseki ukuba awuhambi ngaphesheya kwinqanaba.
Le yilapho inokuhlawula ukubeka eceleni "imali emnandi" kwisabelomali sakho. Thatha iidola ezimbalwa kwi-paycheck nganye uze uyikhuphe ixesha elinjalo. Uyakuziva ulungile malunga nokuthenga kwakho nokuba uyayenza ngemali okanye ngekhadi lesikweletu, kodwa uya kuziva ungcono xa ungekho ukuchitha iminyaka emibini ezayo uzama ukuyihlawula ngemali engama-20%.