Ukuba awuqhelekanga ngcamango, umngeni ongekho-mngeni uyingcambu yesikhashana ukusuka kwindlela ochitha ngayo imali ngexesha ozozikhawulela ekuthengeni izinto ezibalulekileyo kuphela.
Abantu abaninzi banomngeni wokugcina imali, ukuhlawula amatyala okanye ukuvavanya amanzi okuncinci .
Ingaba isebenza kanjani?
Kanye nje ngokuba iinjongo ezenziwe emva kokusebenzisa ingxaki engabikhoyo, iindlela ziyahluka.
Ukuba ucinga ukuthabatha umngeni, kuya kufuneka uqinisekise ezinye izikhokelo.
Khetha Ubude kunye nexesha
Umngeni ongekho-mngeni unokuba yeyiphi na ixesha elide. Ukwenza "inyanga engekho-ntlawulo" kuyathandwa, kodwa abanye abantu baqalisa uhambo olude unyaka okanye enye yeenyanga eziliqela. Ngakolunye uhlangothi, unako ukwenza i-week-end yeveki okanye iveki.
Yenza isigqibo xa uza kuthatha umngeni wakho. Ithuba elihle lingaba ngaphambi okanye emva kweenyanga apho imali yakho iphezulu. Ngokomzekelo, inyanga engekho-ntlawulo ngoJanuwari ingaba yindlela enkulu yokutshintsha i-detox kwiindleko zeeholide.
Khetha ubude kunye nexesha eliya kuyenza. Gwema iinyanga apho uya kufuneka wenze ukunikezelwa kwamanani amaninzi. Kwaye ukuba ukhetha ixesha elifutshane, unako ukuqhubeka nomngeni wakho xa uwugqibile.
Qinisekisa into onokuyisebenzisa
Ingcamango yomngeni ukuchitha imali kuphela kwizinto ezifunekayo, ngoko kuya kufuneka ukuba ufumane oko kukufaneleka "njengento ebalulekileyo" kwilizwe lakho.
Ngokuqhelekileyo, ungayinciphisa imali yakho kule ilandelayo:
- Ukutya (kubandakanywa nempahla yasemakhaya)
- Izindlu, izibonelelo kunye nezinye iindleko
- Zothutho
- Iindleko ezinxulumene nezeMpilo
- Izinto zokunakekela eziphambili
Kwaye uya kuphelisa nayiphi na imali echitha ngaphandle kwezo zigaba. Umzekelo:
- Ukutya ngaphandle
- Iincwadi
- Ukuzonwabisa
- Impahla
- IWindows kunye nezixhobo
- Ukuqhayisa ekhaya
Yiza kunye neenlist zakho zezinto ezivunyiwe kwaye zivinjelwe ngokusekelwe kwimeko yakho.
Qwalasela ezo zintlu phambi kokuba uqale, njengoko "zakho iimfuno" kunye "ufuna" ziza kufutshane xa uphakathi kocelomngeni kwaye uziva isilingo sokuchitha.
Ukunciphisa Izinto Eziyimfuneko
Ngaphandle kwezigaba zakho "ezivunyiweyo," gcina imali yakho ubuncinci. Ukuhlawula ibhajethi yakho yombane kufuneka, kodwa mhlawumbi uza kuhlawula ukuthenga kwakho kwe-Netflix. Ukutya, ukwandisa oko sele ukhona ngaphambi kokuthenga ukutya.
Yenza Wonke umntu eBhodi
Ukuba utshatile okanye unabantwana, qiniseka ukuba wonke umntu usebhodini. Kuya kuba nzima ukuphumeza umngeni ngaphandle kokuthatha inxaxheba kunye nenkxaso.
Nciphisa i zilingo
Yenza okusemandleni akho ukuqeda izilingo. Vumela abahlobo bakho kunye nabo osebenza nabo ukuba bazi into oyenzayo, ingakumbi ikhofi yakho kunye nabalingani bokuthenga.
Cinga ukungazibhalanga kwi-imeyile evela kwiivenkile zakho ezithandayo, kunye nesicwangciso sokutya ukuze unciphise umnqweno wokutya. Yenza konke onako ukunciphisa amathuba akho okuyeka.
Cwangcisa phambili kwiNgaphandle
Unokufuna ukwenza ezinye izinto ngaphandle kwexesha lomngeni wakho. Umzekelo, ukuba uyazi ukuba uya kufuneka ukutshintsha iibhuthi zakho zasebusika, ulungiselele ukwenza njalo. Yintoni ebalulekileyo kukuba ucebise kwaye awuyi kuphazamiseka.
Yintoni omele uyibukele
Nangona ukwenza umngeni ongekho-mngeni unemivuzo eninzi, kukho iingcambu zokuphepha.
Ukutshintshwa kwangaphambili nangemva
Unokulingwa ukuba 'ulungiselele' umngeni wakho ngokunyusa imali yakho ngaphambi kokuba uqale. Ngokufanayo, unokuziva unxilongo lokuzixhalabisa emva koko. Qaphela kwiiveki okanye ngeenyanga ezijongene nomngeni ukuqinisekisa ukuba awuyikuhlaziya iinjongo zayo.
Ukunyuka kwizinto ezibalulekileyo
Ngexesha locelomngeni, uya kuziva iimpembelelo zokushiya imali yakho rhoqo. Ngenxa yoko, unakho ukuhlawula ngokugqithisa kwiindidi zakho "ezivunyiweyo," njengezinto zokutya okanye izinto zokunyamekela. Yiba nobulumko kuyo yonke into oyithengayo ngexesha locelomngeni.
Ukulahla Ukubaluleka Okuyimfuneko
Qaphela ukuba ukhulu kakhulu kangangokuthi uyazijonga xa ufuna ukuchitha imali. Ukuba ukulibazisa ukuthenga kuthetha ukuba kuya kuba neendleko ezizayo emva koko, kufuneka uqhubeke uye uyinyamekele.
Ukuba uyaphula
Ukuba ulahlekelwa ngethuba lo mngeni, ungabi nzima ngokwakho.
Qhubeka uqhubeke okanye ucinezela ikhefu uze uqhubeke kwakhona ngexesha elingcono.
Ngaphandle kokunikezela iinjongo zakho, umceli-mngeni ongeyichitha uza kugxininisa ukwazi kwakho ukuyeka ezinye izinto ozicingayo ukuba ufuna. Isiphumo esingalindelekanga ngokuqhelekileyo sitshintsha ngokusisigxina kwimikhuba yokuchitha.
Ukwenza inyanga "yenyanga engekho-ntlawulo" okanye ukuphindaphinda umngeni kwixesha eliphindaphindiweyo kunokufumana ukongeza impilo kwisicwangciso sakho semali.