Kwandenza ndithatha inyathelo emva koko ndivavanye ngokwenene izinto eziza kuqala.
Ziziphi izinto ezincinci kwiBhajethi yakho?
Lowo uthethwa ngokuqhelekileyo kukho ikhofi. Nangona kunjalo, ingaba yi-soda oyithengayo kwisitoreji esilungelelanisa kusasa, okanye imali oyisebenzisayo ekuthengeni incwadi entsha yonke imihla embalwa kwisidli sakho. Kungaba ukuthengwa kwangaphakathi nohlelo kumdlalo ongekho umlutha, okanye isixa osichithayo ekudleni usuku ngalunye. Ezi zinto awunakuzibandakanya kwisabelomali sakho, kuba ixabiso alibonakali liphawulekayo. Kungakho kwakhona into ongayifaki kuhlahlo lwabiwo-mali ngenxa yokuba awufuni ukuchitha imali phezu kwayo, njengokutya ngaphandle. Unokuba uzixelele ukuba uya kumisa, uye ukuyothenga ukutya kwaye uqhubeke udla ngaphandle nokuchitha imali eninzi.
Ingakanani Ukuthengwa Kwakho Okuncincileyo?
Kubalulekile ukufumanisa ukuba ungakanani uchitha imali kwiinkalo ezithile.
Oku kunokwenziwa ngeendlela ezimbalwa. Omnye ukubhala phantsi yonke inkcitho yakho ngokusekelwe kwinqanaba elithile kwiveki okanye ngenyanga. Ukubhala ngokomzimba okanye ukuyirekhoda kwifowuni yakho kuya kwenza ukuba uqaphele ngakumbi into ochithayo kwaye kutheni. Enye indlela yokuyibeka iliso ngokusetyenziswa kohlahlo lwabiwo-mali.
I-Mint izakuthumela ingxelo malunga nenkcitho yakho ngoluhlu, kodwa nayiphi na inkqubo yohlahlo lwabiwo-mali ingabonisa ukuchitha kwakho kwiinyanga ezimbalwa zokugqibela. Ukuba usebenzisa imali , unokuyirekhoda ngesandla okanye ugcine iirisithi ukuba zikhangele ngasekupheleni kweveki.
Uninzi Kangakanani Kwiintengo Ezincinci?
Emva kokuba uqaphela ukuba uchitha imali engama-dollar 70 ngenyanga ngekhofi (malunga neendleko zekombe enye ngosuku), kwaye eyongeza kwi-$ 840 ngonyaka, unganquma ukuba oko kuyavakala ukuba kukufanelekile ukuba uchithe kwikhofi ngonyaka. Nangona kunjalo, ukuba awufumani nto leyo ingenza umehluko omkhulu ekufinyeleleni iinjongo okanye ukwenza kube lula ukuhlawula irente. Ngokufanayo, ukuba udla imihla ngemihla ekudleni sasemini, unokuvakalelwa kukuba unyanisekileyo ekuchithweni kwakho. Nangona kunjalo, usenokumangaliswa kukuba ungeze kangakanani. Ukuba unempilo kwaye uyifumana isidlo sesidlo sesidlo sasemini, uza kuchitha i-$ 6 ngosuku, edibanisa kwi-30 engama-iveki, kwaye iphelile ibe yi-$ 1,560 ngemali okanye i-$ 130 ngenyanga. Nangona kunjalo, ukuba uya kudla ukutya kwendawo yokutya kwaye uchithe malunga ne-$ 10 ngosuku, edibanisa ukuya kuma-216 ngenyanga okanye i-$ 2,600 ngonyaka.
Ukujonga iinombolo ezipheleleyo, ungabona ezinye ezibonakala kuwe njengemali eninzi.
Kodwa imali eninzi kakhulu ixhomekeka kwiimeko zakho zangoku. Ukuba unzima ukufumana iziphumo , ude ude $ 6 ngosuku ungenza umehluko omkhulu kwibhajethi yakho. Ukuba awukho phantsi kwetyala kwaye uyasindisa kumhlalaphantsi, unakho ukukwazi ukufumana imali yokutya rhoqo ngosuku. Isitshixo siqonda imeko yakho yangoku.
Ngaba Ukuchitha Kwakho Ukufanisa Izinto Eziphambili?
Ekugqibeleni, kufuneka uqinisekise ukuba imali yakho iyafana nezinto eziphambili. Xa uqaphela ukuba uchitha ixesha elingakanani kunyaka ngamnye, ngoko unokwazi ukuba ufuna ukuchitha imali eninzi kuyo okanye ukuba unendawo kwenye indawo ofuna ukuyisebenzisa ngayo imali yakho. Esi sizathu esinye isizathu sokuba uhlalutyo lwesofthiwe okanye ii-apps zilungele ukusetyenziswa. Kulula ukulandelela imali yakho kwaye ubone umfanekiso omkhulu. Ukubona isixa osichithayo unyaka ngamnye kunokukunceda ukuba utshintshe.