Abanye abantu bahle ekulawuleni iimali zabo. Zinezinto eziphantsi kokucwangcisa nokulondoloza inyanga nganye ukunamathela kwibhajethi yazo kunye neentlawulo eziphathekayo mahhala. Ukuba awunjalo nakwilo xesha, unokuba ufuna ukutshintsha izinto ezimbalwa malunga nendlela ophethe ngayo imali yakho . Nazi ezinye iimpawu ezithoba ekufuneka utshintshe indlela olawula ngayo imali yakho namhlanje.
01 Ukuxhomekeka KwiiKhadi Zakho Zemali
Ukugijima ebomvu kungenzeka ngezinye iimeko xa kufuneka ujongane nemeko engxamisekileyo, kodwa ukuba ufumene unwebe kakhulu kwaye uthembele kumakhadi akho ekhredithi inyanga nganye, lixesha lokwenza utshintsho olwenene ngendlela olawula ngayo imali yakho. Isinyathelo sokuqala sokusombulula le ngxaki kukuqala ngesabelomali esomeleleyo . Uhlahlo lwabiwo-mali luyakunceda ukuba ubone iinkalo apho uphelela khona imali, kunye neminye imiba enjengokungenzi okwaneleyo ukugubungela iimfuno zakho. Ukuba unokuqala uhlahlo lwabiwo-mali ngoku, unokukhawuleza ujikeleze imeko yakho yonke kwaye unqume ukusebenzisa amakhadi ekwereta .
02 Iintlawulo eziHlulayo
Iyenzeka. Ulibale ukuhlawula ibhilikhwe ngoku kwaye, kodwa ukuba uhamba ngokukhawuleza kunye neentlawulo zakho, luphawu lokuba kukhona into ebaluleke ngakumbi. Kukho izizathu ezibini zokuhlawula ngokukhawuleza. Omnye ulibala nje, kwaye unokuyicombulula oku ngokucwangcisa iintlawulo zakho ukuphuma ngokuzenzekelayo okanye ukuhlawula zonke iindleko zakho kanye kanye ekuqaleni kwenyanga. Okanye zimbini, unayo imali yokuhlawula iindleko ngethuba. Ukuba kunjalo, uhlahlo lwabiwo-mali kunye nokucwangcisa ngokucopheleleyo kunokukunceda ukuhlawula zonke iindleko ngethuba.
03 Iintlanu zokulala zingakhathazeki ngemali
Ukuba ulala ebusuku uxhalabile ngemali yakho okanye indlela uza kuhlawula ngayo iindleko, ngokuqinisekileyo luphawu lokuba ufuna ukutshintsha indlela ophethe ngayo imali. Xa uhlahlo lwabiwo-mali onokuthi unamathele endaweni, kwaye i-fund yexakeka engxamisekileyo igcinwe, awuyi kufumaneka ukhathazeka ngemali yakho, oko kuthetha ukuba unokuhlala uphila lula. Thatha ixesha ngoku uqale ukwenza utshintsho olufunekayo ukuze ulale kakuhle ebusuku.
04 Akukho Uqhagamshelwano nomngane wakho
Emva kokutshata, uhlahlo lwabiwo-mali luba nzima. Unokwenza imali ngaphandle kokuyiqonda ngenxa yokuba usebenzisa zombini ngexesha elifanayo. Kuyakucasula ukudibanisa iindlela ezimbini ezihlukeneyo zokulawula imali yakho kunye nabaninzi abathandanayo banzima nale minyaka emininzi emtshatweni wabo. Isinyathelo sokuqala sisetyenziselwa uhlahlo lwabiwo-mali kunye neqabane lakho , kwaye ke kufuneka ube neentlanganiso zebhajethi eziqhelekileyo ezisebenza ngokwenene. Ukuba unokwenza oku, kufuneka ube nokukwazi ukuphatha iimali zakho kwixesha elizayo.
05 Akukho bhajethi
Ukuba usebenza ngaphandle kohlahlo lwabiwo-mali lixesha lokuqalisa . Ufuna uhlahlo lwabiwo-mali nangona ukhululekile ekuhlawuleleni zonke iindleko zakho kwaye ungayi kubomvu inyanga nganye. Uhlahlo lwabiwo-mali lukunceda ugxininise imali yakho kwaye usebenze kwiinjongo zakho. Le njongo enkulu ukuzibekela yona kwaye ngokwenene yinyathelo lokuqala ekulawuleni iimali zakho. Ukuba ngokwenene unalo uhlahlo lwabiwo-mali, kufuneka uhlale phantsi uze uqale ukusebenza namhlanje. Unokutshintsha ngokwenene iimali zakho nge sixhobo esinye. Ukuba awunalo uhlahlo lwabiwo-mali, kulula kakhulu ukuzithetha ngamakhomali akho . Kufuneka udale enye namhlanje.
06 Ininzi yokuTyala kweMali
Ukuba unesibalo esikhulu, kufuneka uqale ukwenza utshintsho namhlanje. Unokulawula imeko yakho kwaye uqale ukwenza utshintsho oluya kukunceda uguqule umfanekiso wakho wezezimali. Enye yezona ndawo zilungele ukuqala kukufunda i- Total Money Makeover nguDave Ramsey okanye ukuseka isicwangciso sokuhlawula ityala . Ngayiphi indlela, unokuhlawula ityala lakho ngokusebenza kanzima kunye nokuziphatha.
07 Uqhube kwiRuth yeMali
Ukuba uziva unyanzelekile ngenxa yeemali zakho , lixesha lokwenza utshintsho oluthile. Uhlawulwa ukuhlawula, iindleko zakho zonke ixesha, kodwa awubonakali ufike phambili okanye uthathe isinyathelo esilandelayo. Unokwenza ukhulule kwizinto zakho zezimali kunye nesicwangciso sezimali kunye nohlahlo lwabiwo-mali olusebenzayo. Emva kokuba wazi oko ufuna ukukwenza, kulula kakhulu ukuzikhuthaza ukuba uqale ukwenza oko. Yeka uzizwe uhlaselwe yimali yakho kwaye uqale ukwenza into ukutshintsha namhlanje.
08 Uya kuphelelwa yimali kakhulu ekuqaleni kweNyanga
Ukuba uhlala unzima ekupheleni kwenyanga ukubeka ukutya kwitheyibhile okanye udibanise ezinye iindleko, unokuba nengxaki yokuhamba kwemali. Uhlahlo lwabiwo-mali olufana neprogrampe inkqubo ye- YNAB yohlahlo lwabiwo-mali lunokukunceda usebenze ngeentlobo ukuze ungayisebenzisi yonke imali inyanga nganye ekuqaleni. Oku kuyilungiso olulula kwaye unokufumana ukuba kunye nokulungiswa okumbalwa ongaphefumla kulula kakhulu.
09 Njalo i-Bump Road iyingozi
Xa unzima ngokwemali, ukuhlawula imoto okanye uhambo oluya kudokotela kunokuziva ngathi ihlabathi liya kuphela. Ukuba uvakalelwa njalo ngeli xesha, ke lixesha lokutshintsha indlela olawula ngayo imali yakho. Uhlahlo lwabiwo-mali kunye neengxowa-mali ezingxamisekileyo zihamba ngendlela ende ukuze uncede ubeke ingqondo yakho lula. Qala ngokugcina iindleko zeenyanga kwaye usebenze ekuphumeni kwetyala. Emva koko kugcina umyinge wonyaka, kwaye uya kukwazi ukujongana nantoni na ukuphosa kuwe. Ukuba unqanda ukuzibeka ngokwezimali , unokuqala ukuphatha nantoni na ukuphosa kuwe.