Izakhono nemikhwa oyenzayo kwiminyaka yakho engama-20 inokuchaphazela imali yakho kwiminyaka ezayo. Kubalulekile ukuba usebenze kwaye usebenze kanzima ukuphuhlisa izakhono zemali oyifunayo ukuba uthathe ulawulo lwezimali zakho . Nazi izakhono ezingamashumi amabini omele uziphathe ngayo kwiminyaka yakho engamashumi amabini.
01 Nika nganye iDola ufumana iNjongo
02 Iintlanganiso zamaBhajethi rhoqo
Thatha imizuzu emihlanu ubusuku bonke uhambe phezu kwebhajethi yakho. Oku kuya kunceda uhlale uhambelana nemali yakho kwaye uzenzele umfanekiso ocacileyo malunga nendlela oyenzela ngayo inyanga. Ukuba wenza njalo ebusuku, kufuneka kuthathe imizuzu emihlanu kuphela. Kufuneka uzalise isheke sebhajethi ukuba ungatshatanga okanye utshatile. Emva kokuba utshatile, kubalulekile ukucwangcisa ukwenzela ukuba ube neentlanganiso zebhajethi ezikhawulezayo nezifanelekileyo .
03 Ukulinganisela iiAkhawunti zakho ngeNyanga nganye
Kungabonakala njengomsebenzi omningi ukuhlawulwa kakhulu, kodwa ukulinganisa iakhawunti zakho kuyimfuneko. Oku kunokukugcina kwi-akhawunti yakho ye-overdrawing kwaye usebenza kwezinye iingxaki. Inokukunceda ukuba ubambe ubusela okanye ubone ukuba umntu uthathe ulwazi lweakhawunti yakho. Unokwenza isheke imihla ngemihla ngebhajethi yakho, kodwa kufuneka ulinganisele kwisitatimende sakho sebhanki inyanga nganye.
04 Beka Iinjongo zeMali rhoqo
Unceda uhlahlo lwabiwo-mali ukuba unenjongo ezicacileyo kunye nesicwangciso engqondweni. Kufuneka ube nexesha elide, phakathi kwekota kunye neenjongo zemali zexeshana osebenzayo kunyaka ngamnye. Awufuni ukugqithisa oku, kodwa kufuneka uhlolisise inkqubela yakho ngexesha leseshoni yokutshekisha kwenyanga.
05 Misela iSicwangciso seMali
Esi sicwangciso siya kukuthatha kuzo zonke iindawo zakho ezinkulu zemali ekuthengeni ikhaya, ukuhlawula iikholeji zezingane zakho. Unokuziva ukhululekile ukuhlala phantsi kwaye uyicebe konke ngokukhawuleza, kodwa kunokukunceda ubeke phambili iinjongo zakho kwaye wazi ixesha kunye nendlela yokuchitha ixesha lakho.
06 Qalisa Ukugalela kwiRhafu
Kufuneka uqale ukufaka isandla kumsebenzi wakho wokuqala. Injongo efanelekileyo kukusebenza ukuze unikezele ipesenti ezilishumi elinesihlanu zomvuzo wakho ukuya kumhlala phantsi. Unokusebenza kulokhu ngokuphakamisa nokuhlawula ityala lakho. Ukuba wenza umhlala-phantsi wakho kuqala, awuyi kufuna ukuxhalabisa ngexesha elizayo.
07 Ukugqibelela Ubugcisa bokufumana isenzo
Kukho iindlela ezininzi ongagcina imali ekuthengeni kwakho. Oku kungathi ukufunda ixesha elifanelekileyo lonyaka ukuthenga ii-linens okanye ukufumana intengiso kwimoto yakho. Unokufumana iindlela zokugcina kuzo zonke izinto ukusuka kwiindawo zakho zokutya ukuya kwifenitshala yakho. Ukuba ukhangelelana nomkhwa, uya kuba nako ukugcina ngokukhulukileyo kwixesha lobomi bakho.
08 Yiba yi-Smart Shopper kunye ne-Stop Impulse Purchases
I-smart shopper ihluke kakhulu kumzingeli womsebenzi. Emva kokuba ufezekisile ubugcisa bokufumana intengiso enhle, kufuneka ube yi-smart shopper kwaye unqume ukuba uyayifuna into ngaphambi kokuba uyithenge. Oko akuthethi ukuba akufanele uthenge izinto nje ukuzonwabisa, kodwa kufuneka ukwazi ukuluhlula njengento efunayo kwaye uqinisekise ukuba unayo imali ekhoyo ukuyibeka ngaphandle kokungena kwi-savings. Injongo enhle kukulinda ubuncinane iiyure ezingamashumi amabini anesine ngaphambi kokuthenga enkulu.
09 Yithengi NgeLuhlu
Enye yezona ndlela zininzi ongayigcina imali xa uthengile uthengisa uluhlu uze unamathele kuyo. Lo mkhuba olula ukuqala kwaye uthatha imizuzu embalwa ngaphambi kohambo ngalunye. Ukuba unoluhlu olucacileyo engqondweni, lunokukunceda ukuba ulawule kwimali yakho yokunyanzelisa kwaye unokukugcina ixesha nemali. Okunye uluhlu lunokukunceda ukuphelisa isidingo sokubuyela evenkile ngenxa yokuba ukhohliwe into. Thatha ixesha lokwenza uludwe phambi kohambo lwakho lokuthenga kunye nokulondolozwa kuya kuqala ukongeza.
ISicwangciso soNyaka lweeNkcitho
Ezi ndleko zingaba izinto ezifana nokuthenga iholide, ukuchitha imali yeholide, ukulungiswa kweentlawulo zasekhaya. Ukuba uyazi ukuba iindleko ziza kanye ngonyaka, unokubeka bucala imali ukuze uzigubungele inyanga nganye. Ngale ndlela kulula kakhulu ukuhlawula zonke iindleko ezinkulu eziza ngendlela yakho kanye kanye okanye kabini ngonyaka. Ukuba unokuzibona ngoku kunye nokuzicwangcisa, awuyi kuthathwa ngokumangalisa kwaye awuyi kutshabalalisa ibhajethi yakho ngenyanga.
11 Yeka Ukuxhomekeka KwiiKhadi Zemali
Enye yemikhwa emibi kakhulu onokuyihlakulela kukuthembela kumakhadi-mboleko ukukugubungela xa ufutshane kwimali. Kubalulekile ukuba ube neengxowa-mali ezixakekileyo kunye nokucwangcisa ukuze ungadingi ukusebenzisa amakhadi akho ekwereta. Enye yezinyathelo zokuqala ukukunceda ukuyeka ukusebenzisa amakhadi akhokredithi ukuyeka ukuhamba nabo.
12 Thatha inzuzo yeZibonelelo zabasebenzi
Enye into ebalulekileyo ongayenza kukuba usebenzise ngokupheleleyo iingenelo zabasebenzi bakho. Intshuwalense yezempilo oyinikezelwayo ngomsebenzi yakho inenzuzo yerhafu kuba ingayinciphisa imali engenayo engenayo. Umrhumo ohambelanayo nomqeshi ukhululeka ngemali yakho yomhlalaphantsi, kwaye kufuneka usebenzise ngokugcwele nayiphi na umqeshi umlinganiso wakho onokukunika. Ezinye iintlawulo ezifana nokukhethwa kwempahla kunye nezinye iinshurensi zinokukunceda ngokuxhomekeke kwimeko yakho. Qinisekisa ukuba uyaqonda kwaye uyisebenzise inzuzo yakho.
13 Qhubekela kwiNethiwekhi
Kubalulekile ukugcina ukuhlaziywa kwakho kwakhona ukuze uvale ithuba elihle lomsebenzi onokuyithatha. Kubaluleke kakhulu ukuqhubeka nokwakha inethiwekhi yakho yobungcali. Unxibelelwano oluqinileyo lothungelwano lwenza kube lula ukufumana umsebenzi omtsha xa ulungele. Kubalulekile ukuba uhlakulele ukunxibelelana kwezakhono zakho.
14 Gcina Imali Ngenyanga nganye
Kubalulekile ukubeka imali rhoqo kwi-akhawunti yakho yokugcina imali nganye ngenyanga. Unako ukugcinwa kwakho ngokuzenzekelayo kwi-akhawunti yakho yokugcina okanye usethe ukutshintshwa ngokuzenzekelayo ukwenza kube lula kuwe. Unokwenza umgomo wokugcina ipesenti ezilishumi okanye ezilishumi elinesihlanu yengeniso yakho kwiinjongo zakho ezide zenyanga nganye kwaye ukubeka eceleni imali ngokuzenzekelayo kunokukwenza kube lula.
15 Nika imali Yakho Yokusindisa Injongo
Kunceda ukuhlala ukhuthazwa ngokulondolozwa kwakho ngokunika idola nganye ugcina injongo. Unokubeka eceleni imali yeeholide lakho lokuphupha, ezinye zokuhlawula ekhaya lakho, ezinye zeengxowa-mali zekholeji yengane yakho. Unokuthi unento ethile esetyenziselwa ngokuyinhloko ukutyalomali kunye nokwakha ubutyebi. Qaphela ukuba yimali yinjongo nganye, kwaye uthathe ixesha lokulandelela inkqubela yakho.
16 Khusela ukugcina kwakho
Ukuba uyifumana kulula ukuyidibanisa kwi-akhawunti yakho yokugcina xa usesikhatshane, kufuneka ufumane indlela yokukhusela imali yakho. I-fund yakho engxamisekileyo kufuneka ifikeleleke ngokulula ukuze ukwazi ukukhupha iindleko ezingalindelekanga ngokukhawuleza, kodwa unokuhambisa yonke imali yakho yokugcina imali kwiingxelo ezinzima ukufikelela kuzo. Ngokomzekelo ibhanki ye- intanethi ye-akhawunti yakho yokonga ingongeza ezinye iintsuku ezongezelelweyo kwixesha elithathayo ukutshintsha imali yakho, enokukunika ixesha lokupholisa olidingayo ngaphambi kokuba wenze ukuthenga okungafunekiyo. I-CD enye enye inketho ukuba unokufumana nayiphi na inzala yemigangatho yokhuphiswano.
17 Yakha Inethiwekhi Yenkxaso
Kunceda ukuba nabahlobo abanokuxhasa ukukhetha kwezezimali. Nangona mhlawumbi awuyi kuchitha ixesha elide uthetha malunga nokukhetha kwakho kwezimali, kukulungile ukuba nabahlobo abathanda ukuzingela amaqhinga okanye abakhuthaza ukuba ugcine imali xa kuyimfuneko. Abanye abahlobo banokufuna ukuba uhlale uchitha imali ngelixa abanye bakuxhasa kakhulu ukufikelela kwiinjongo zakho. Ukwakha inethiwekhi efanelekileyo yokuncedisa ngemali kunokukunceda ufinyelele iinjongo zakho ngokuthe ngempumelelo.
18 Khangela Ingxelo Yesikweletu sakho rhoqo
Kufuneka uhlolisise iingxelo zakho zekredithi rhoqo ukuthintela ukwebiwa kwezazisi. Ukuba unokwenza ingxelo enye emva kweenyanga ezine, kufuneka ube nako ukubeka iliso ingxelo yengxelo yakho yekhredithi. Oku kunokukunceda ubambe ubusela ngokukhawuleza kwaye ukhusele amanqaku akho.
19 Buyisela
Kubalulekile ukubuyisela ngenye indlela. Oku kunokuthetha ukuthatha iminikelo yokunceda kwizinto ezibangela ukuba uzixhase. Enye inxaxheba kukuzivolontiya kwintlangano yendawo.
20 Fumana ibhalansi
Ekugqibeleni, kubalulekile ukufumana umlinganiselo phakathi komsebenzi, ukusindisa, nokuzonwabisa ubomi bakho. Kubalulekile ukuthatha ixesha lokuphumla rhoqo, kwaye uqinisekise ukuba ulondoloza okwaneleyo yengeniso yakho ukuze ukhululeke. Olu lwazi olunzima ukuphuhlisa, kodwa kubalulekile ukuba ufuna ukuvuya.