Xa uzama ukumisela uhlahlo lwabiwo-mali okanye uzama ukuthola imali eyongezelelweyo kwibhajethi yakho, kunokuba nzima ukusika izinto ezithile. Unokuba uzive ngathi izinto ezibalweyo kufuneka ukuba ube nazo ukuze ufumane. Unokuhlakulela imichimo emibi yezemali eyakukulimaza ekugqibeleni. Ezi zinto ezi-10 yizona abantu abaninzi abanokukhawuleza ukukhawuleza. Funda ezinye iindlela ezincinci eziza kukunceda ugcine imali ngelixa uthanda ezinye zezinto ezibaluleke kakhulu kuwe. Unokufuna ukwenza ezinye zezi zinto kunye nayo yonke imali eyongezelelweyo oyigcinayo.
01 I-TV yecala
Ngamaxabiso okubhaliselwa phakathi kwe-$ 60 ukuya kwi-100 okanye ngaphezulu ngenyanga, ithelevishini ye-cable ingaba ibhajethi enkulu. Ukukhansela i-blu ye-bhanya ye-cable ye-cable kunokukunceda ugcine imali eninzi ngonyaka. Ungagcina phakathi kwe-$ 720 kunye ne-1200 yonyaka ngamnye ngokukhupha ikhebula. Ukuba ufuna ukufikelela kwimiboniso yamabonwakude yakutshanje, zama iHulu Plus okanye inkonzo efanayo ukuze ubukele imiboniso kwi-intanethi. Oku kunqunyulwa lula, kwaye emva kokuba ukhansele ikhebula, unokufumanisa ukuba awukuphoso nhlobo. 02 Iintlawulo zeMoto entsha
Ukuhlawula imoto yakho kunokukhulula imali eninzi kwibhajethi yakho, kodwa ngamanye amaxesha kufuneka uboleke imali ukuze ufumane imoto. Enye indlela yokuyigcina ukuthenga ukusetyenziswa. Thengisa idibanisa kwaye unako ukugcina iintlawulo zakho zeemoto eziphantsi kwaye zilawulwa ngokubanzi. Okwangoku qalisa ukubeka imali kwinyanga nganye ukuhlawula ukuthenga kwakho kwemoto ezayo. Ukuba ukwenza oku, uza kufumana ukuba unako ukugcina imali kwinzala yemboleko yemoto. 03 Ukutya ngaphandle
Ukutya ngaphandle kunokungongeza ngokukhawuleza. Ukuba uthanda ukutya ngenxa yokuba uyamthanda ukutya okulungele ukulungiswa, unokugcina imali ngokufunda ukupheka izinto ngokwakho. Ukuba uyadla ngenxa yokuba uhlanjelwe ixesha, zama ukupheka ngeveki kwaye wenze ukutya kwakho kwamafriji. Unokuyeka ukutya ngaphandle kwaye ulondoloze imali eninzi. Kulula ukugcina ngaphezu kwe-$ 50 ngeveki ukuba unqamle ukutya ngaphandle kokuba ungatshatanga kwaye nangaphezulu xa utshatile okanye unabantwana. 04 Gym Ubulungu
Ubulungu bokubamba i-Gym buya kuba yixabiso, ingakumbi ukuba uvalelwe kwisivumelwano. Amanye amalungu e-gym ayenaxabiso elingaphezulu kunezinye. Ukuba ufuna ngokwenene ukuzivocavoca ukuba usebenze, ungakhangela ukusebenzisa indawo yokuzilibazisa kwisixeko sakho, khangela iindawo ezihlala kwindawo yakho yokuhlala okanye ujonge i-gym ebiza ngexabiso eliphantsi lokubaluleka kwenyanga. Unokuzama ukuzama ukusebenzisa ekhaya okanye ukugijima kwindawo yakho. 05 Izipho ezinkulu
Ieholide kunye nemihla yokuzalwa ingabiza kakhulu. Ukuba uvela kwintsapho elindele ukuba unike izipho kuyo ilungu ngalinye lentsapho, liyakongeza ngokukhawuleza. Ungakwazi ukukhawuleza ngezipho uze uzame ukunikela ngezipho ezizenzekelayo okanye uvenkile unyaka wonke ukufumana ukuthengisa. Ungaphinda ufune ukuthetha nosapho lwakho malunga nokudweba amagama ngexesha leKrisimesi. Enye indlela ukufumana izipho ezingabizi ngaphantsi kokuthenga kuyo yonke unyaka. 06 Iiholide ezinkulu
Iifama zininzi ezonwabileyo, kodwa ukuba unamatyala amaninzi okanye unzima ukufikelela kwimigangatho, awufanele uchithe itoni ngemali kwiiholide zonyaka. Unokucwangcisa iindleko ezincinci ezincinci njengekampu okanye ukuya kwiindawo oza kuzifikelela ngemoto. Ukuba unayo iholide yokuphupha ugcine kuyo, kwaye uyihlawule ngemali. Ukuba unetyala elingenanto kwaye ulondoloze umhlalaphantsi, ungathatha iintlobo zeeholide ozifunayo, qiniseka ukuba uhlawula imali. 07 Ukuthengwa kweNdlu Akunakunceda (okanye Ukuqeshisa i-Apropati Awukwazi ukuyenza)
Xa uhlawula ngaphezulu kwama-25 ekhulwini lomvuzo wakho kwi-mortgage yakho okanye irenti yakho nganye ngenyanga, inokukhubazeka xa uzama ukulawula zonke iintlawulo zakho. Ngaphambi kokuba uphume umsebenzi wokuboleka imali uhlahlo lwabiwo-mali. Kufuneka uqikelele ngokuchanekileyo ukuba ungaphi na amakhaya onokuwufumana , kunokuba uthathe nje into ebhanki ekulungele ukuboleka kuwe. Kungcono ukuthenga ikhaya elincinci elingaphantsi elingakwazi ukulifumana ngaphandle kwekhaya lakho lasephupheni ogqityileyo. Xa uhlala kwiindleko eziphezulu zendawo yokuhlala, irenti yakho ingaba yabiza kakhulu. Unokunciphisa oku ngokuba nomntu ohlala naye okanye uhlala kancinci ngaphandle kwedolophu. 08 Iindleko zokuzonwabisa
Iindleko zokuzonwabisa zingongeza ngokukhawuleza nokuba ungumdlali omkhulu wezemidlalo, umdlali wevidiyo, okanye uthanda ukuya kwi-opera. Le yindawo ekufuneka uzimisele ukuyinqumla xa unetyala okanye amaxesha anzima. Buza amalungu omndeni ukuba akunike amakhadi wesipho ngamatekiti okanye kwimidlalo endaweni yezipho, kwaye unciphise imali oyichithayo kunokuba uchithe ngokupheleleyo. Endaweni yokuya kuyo yonke imidlalo yasekhaya, vele uye kumnye kulo nyaka, kwaye ubukele abanye ekhaya. Okanye ungathenga umdlalo omnye wevidiyo nganye emva kweenyanga ezimbalwa uze urenze ezinye. Kufuneka ukwazi ukugcina imali kule nto. Unokuba ufuna ukuzama ukufumana imisebenzi engabonakaliyo engabizi eninzi ukuyenza. 09 Izenzo zokuthenga
Iimpawu zakho zokuthenga zithintela indlela ochitha ngayo imali. Enye yezona zinto zinkulu kakhulu ongayenza kukunciphisa ukuba uninzi kangakanani kwisitolo. Oku kuhamba yonke into esuka kwiimpahla zokuthenga ukuya kwindawo yokuthenga. Zama ukwenza olunye uhambo olukhulu ngeveki kwiintengiso kwaye usoloko uthengisa uluhlu lokutya. Zama ukunciphisa ezinye iindawo zokuthenga kunye nokuba ungenayo imali yokuthenga into, ungangeni kwisitoreji ukukhangela. Enye inkohliso ukutshintshela imali kwizinto ezihlahlo lwabiwo-mali. Unokwenza lo msebenzi ngokushiya amakhadi akho okubambisa kunye nekhredithi ekhaya. 10 Uxinzelelo
I-bill yezilwanyana ezingalindelekanga okanye ukulungiswa kwemoto kunokugubungela isabelomali sabani na. Indlela engcono kakhulu yokulungisa le nto kukusekela i- fund yexakeka ngokukhawuleza ukufihla ezo ndleko ezingalindelekanga. Ukongezelela, ukuba uquka imali yokulungiswa kwemoto okanye iindleko zonyango kwibhajethi yakho, kwaye uvumele imali engasetshenziswanga ukuba igqithwe inyanga nganye, uya kwakha imali yokucima ukulungiselela iindleko zeendleko ngexesha. Ucwangciso lunokukunceda ukuba uphathe iindleko zezoxakeka.