Esinye sezizathu ezenza abantu abaninzi bayeke ukuhlawula uhlahlo lwabiwo-mali kukuba abakubonakali ukwenza uhlahlo lwabiwo-mali. Ngokuqhelekileyo ubunzima buvela ekubeni kwenziwe enye yee-10 ezifanayo iimpazamo zebhajethi. Kunceda ukuqonda iimpazamo kunye neengcinga ezingalunganga onokufuneka uncede ufumane ukulawula imali yakho. Funda ukuba wenza naziphi na iipazamo nendlela onokuzilungisa ngayo .
01 Uhlahlo lwabiwo-mali: Ukuqikelela kwiindleko zenyanga
Xa udala isabelomali sakho sokuqala, awukwazi ukuba ungakanani ukunika iindidi ezahlukeneyo kwisabelomali sakho. Kunceda ukujonga phezu kweenyanga ezintathu ezidlulileyo zokuchitha imali kwaye ubeke isixa semali nganye kwisigaba esiqhelekileyo osichithayo. Kwiinyanga ezimbalwa ezizayo, unokunciphisa ukuchitha imali ngokuthe ngcembe. Omnye umzekelo oqhelekileyo kukugqiba ukuba uza kuchitha i-$ 200.00 ngenyanga malunga nokutya kwakho, xa iinyanga ezimbalwa zokugqibela unama-500.00.00. Ukunquma i-$ 300.00 ngenyanga malunga nokutya kunokuzibeka ulungele ukusilela. 02 Uhlahlo lwabiwo-mali: Ukunika iindleko ze-Paycheck
Ukuba uhlawulwa ngeveki okanye enye iveki, unokwenza iindleko zakho ngokuhlawula imali. Oku kuthetha ukuba iveki oya kuhlawula imali yakho okanye irenti, unokuba unzima kakhulu, kwaye kunokuba nzima ngakumbi ukuba uninzi lweebhilikhwe zakho zifanelekile ngexesha elifanayo. Indlela eyona ndlela ijikeleze oku kukwahlula i-paycheck nganye kwaye ibeke eceleni imali kwi-nganye ukulungiselela iindleko ezinkulu. Enye indlela yokugcina inyanga yenyanga, kwaye uyisebenzise oko kuhlahlo lwabiwo-mali, ngelixa ulondoloza oko ufumene kule nyanga ukuhlawula iindleko zenyanga ezizayo. Le nkqubo yenza ulwabiwo-mali lulula lula, kwaye lunceda ukukhusela amaxesha apho ungenayo imali yokutya. 03 Uhlahlo lwabiwo-mali: Akukho Ukulandelela Ukusetyenziswa Kwakho
Ukuba awukulandelelwanga inkcitho yakho ngodidi, ke uhlahlo lwabiwo-mali alukwenzi nantoni na. Ukuba awukwazi oko uchithileyo, awukwazi ukuba usifikile umda wakho. Isibalulekileyo kukufumana indlela yokuhlawula ibhajethi eya kusebenza kakuhle kuwe, ingaba isofthiwe okanye indlela yokuvulophu . Emva kokuba ulandele imali yakho, unokuqala ukulandela uhlahlo lwabiwo-mali. 04 Uhlahlo lwabiwo-mali: Ukushiya izinto
Enye impazamo eqhelekileyo kukuba abantu bayakulibala ukubeka izinto kwibhajethi yabo. Unokushiya izinto ezifana nezipho, iinwele okanye iindleko zonyaka. Ukuba awuzange ucwangcise okanye uhlahlobe iindleko, kunokukukhathaza xa kufike ixesha lokuhlawula. Unako uhlahlo lwabiwo-mali kwiindleko zonyaka ngokuhlula isixa ohlawula ngokulishumi elinambini kwaye ubeke eceleni loo mali ngenyanga. Kufuneka kwakhona uqinisekise ukuba awuzange ulibale ukuzongeza ezi zinto abantu abaninzi bazilibala ngokuqhelekileyo . Emva kweenyanga ezimbalwa zohlahlo lwabiwo-mali, kufuneka ukwazi ukufumanisa iindleko ozilahlekileyo. 05 Uhlahlo lwabiwo-mali: Ungasebenzi njengeqela
Ukuba utshatile, enye yezinto ezinzima kakhulu zingasebenza kunye kubhajethi yakho . Nonke nidinga ukuzibophelela, kwaye nixoxe ngokuhlala phi imali ngokwexesha eliqhelekileyo. Oku kuya kukuthintela kokubili kokuchitha imali eninzi okanye ukubethelela kwiinkcitho zenkcitho ngosuku olunye. Ukuba utshatile, kubalulekile ukuba usebenzisane kunye nemali yakho. 06 Inkcitho yeBhajethi: Ayikho iNgxowa-mali engxamisekileyo
Ingxowa-mali engxamisekileyo yintoni egcina uhlahlo lwabiwo-mali xa kufuneka uhlawule ukulungiswa kwemoto okanye kufuneka uhlawule uncedo lwezonyango. Ukuba ubeka bucala imali kwingxowa-mali yakho yongxamiseko, uya kuba nako ukusingatha ukungalindelekanga xa kufika ixesha. Iingxowa-mali zakho eziphuthumayo zenza kube lula ukujongana neemeko zemali ezixinzelelekileyo ebomini bakho ngenxa yokuba uyazi ukuba uye wazigubungela. 07 Uhlahlo lwabiwo-mali: Akukho mali yoNwabo
Xa uzikhawulela zonke izinto zokuzonwabisa okanye zokuzonwabisa, unakho ukuvotela uhlahlo lwabiwo-mali. Iiplurge zilungile, kodwa kufuneka uzicwangcise , uzibeke kwibhajethi yakho ngenyanga kwaye unamathele kwisixa oza kuchitha. Ngaphandle koko, unokuqhawula kwaye ugqibe ukuchitha imali ngaphezu kokuba ungayenza ukuba awuzange umise imingcele kwindawo yokuqala. 08 Uhlahlo lwabiwo-mali: Ukwahlukanisa abafuna iimfuno
Enye impazamo eyenziwa ngabantu kukuba ngokukhetha izidingo zabo njengemfuno. Xa kukho into ekwahlukileyo, njengesidingo, awuyi kuqwalasela ngokukhawuleza okokuqala. Unako ukuhlawula iimfuno kunye nokufunayo kwinqanaba elifanayo, elingenza kube nzima. Umzekelo, ukutya kuthathwa njengesidingo, ukutya ukutya. Izidingo zakho ezisisiseko iimfuno, ukutya, indawo yokuhlala kunye namandla. Isithuthi ngaphakathi kwesizathu sinokuba yimfuneko kuxhomekeke apho uhlala khona. Funda kabanzi malunga neentlanu ezifunwayo ezifunwa ngabantu abaphosakeleyo kwiimfuno . 09 Iingxowa-mali zokuhlawula iBhajethi: Ukucinga ukuba iiBill zakho zenyanga zihleliwe
Abantu abaninzi bajonge iindleko zabo zenyanga ngokusekwa. Ngokomzekelo, ikhefu kunye ne-cell phone bill iya kuba ngumlinganiselo ofanayo nyanga nganye. Ngenxa yoko, xa ukhangela uhlahlo lwabiwo-mali, awuyi kuqwalasela iindlela zokunciphisa inani ochithayo kuzo . Ihlawulela ukuthenga yonke indawo ukusuka kwinshurensi ukuya kumboneleli wakho kumabonakude ukuya kubungqina bakho bokuzivocavoca. Kufuneka uthathe ixesha ngamnye ngonyaka ukuba ubone ukuba ungayifumana into engcono. I-Budgeting Mistake: Ukungabi neNye
Impazamo enkulu yebhajethi ayinayo. Ukuba awunayo ibhajethi, mhlawumbi uhlala phakathi kweengxaki zemali. Awusindisi kwixesha elizayo kwaye uhamba nje, ngelixa unako ukufumana, awuyi kuqhubela phambili. Thatha ixesha lokumisela ibhajethi yakho namhlanje.