Ukuba ukhangele ukunciphisa imali oyisebenzisayo ngenyanga , unokufuna ukucinga ukuba unayo na le miqhinga elishumi engabongeza kwi-100.00 okanye ngaphezulu ngenyanga. Iinguqu ezimbalwa kwaye unokukwazi ukugcina imali eninzi . Ukuchonga ukuba imikhwa egcina uhlwempuze inokukunceda uguqule imeko yakho yemali. Ezi ndleko zidibanisa imikhwa emibi, kunye nokucwangciswa okubi. Utshintsho oluthile kwimikhwa yakho lungawenza umdehluko omkhulu kwimali oyichithayo ngonyaka.
01 Ukutya
02 IiNkonzo ezingasetyenziswayo
Khangela ingqalelo kwiinkonzo zokubhalisa ozifumanayo ngenyanga. Ngaba uyayisebenzisa ngokwenene okanye uya kubona ukuba awunakho kwakhona? Omnye umzekelo oqhelekileyo ubulungu bokuzivocavoca ongeke usebenzise. Enye inokuba yiyilwayo yekhefu xa ungekho ekhaya ukuba ubukele umabonwakude. Ungayinqumla kule nkonzo ngokusika intambo kwaye uzame enye ukuze ufumane umabonwakude. Ngokuphathelele ubulungu bokuzivocavoca ungaqala ukuyisebenzisa okanye ujonge ezinye iindlela ezifana nokusebenzisa ekhaya okanye ukugijima malunga nommandla wakho.
03 Ukutya okutyunjweyo
Intsapho yam ayenzi kakuhle ngokushiya. Oku kuthetha ukuba ndifuna ukupheka malunga nento esiyidlayo okanye ndiya kuphelisa ukulahla ukutya okuninzi inyanga nganye. Kufuneka uqinisekise ukuba awuvumeli ukutya kwakho okanye uphumelele. Ukucwangcisa ubusuku obumnyama kunokunceda, kunye nokuthatha i-rest left to work or adjusting your recipes ukunyusa abantu abangaphantsi. Ukuba umveliso unengxaki ngoko unokufuna ukuthenga ngaphantsi okanye wenze umsebenzi ongcono wokuzibandakanya kwisidlo kunye nokutya. Ukuba ufumana ujongana nokutya okunokuphanga kakhulu, ufuna ukuba utshintshe indlela othengayo kunye nocwangciso. Ndifumene ukuba ubusuku obuthile beveki, ndifuna ukucwangcisa ukutya okukhawulezayo ngokukhawuleza okungekho ukuthatha ixesha elide okanye siphelela ekudleni ngaphandle, nangona sele ndithenge izinto endizidinga kulo mlo. Thatha ixesha lokuba uhlolisise imenyu yakho ukuqinisekisa ukuba uza kwenza yonke into kuyo.
04 Ukujongela Impahla Yakho
Enye indlela elula yokuvuthela imali kukulahlekelwa izinto okanye ukuhluleka ukunyamekela ngokufanelekileyo. Oku kuthetha ukuba unokufuna ukutshintsha izinto ngokukhawuleza kunokuba wawukulindele okanye ukuba uchithe imali kuloo nto. Umzekelo, ukuba ulahlekelwa yingubo yakho okanye ibhatyi kabini ebusika, uya kugqiba ukuchitha imali engaphezulu kwama-$ 200.00. Omnye umzekelo ukuhluleka ukwenza ukugcinwa kwemoto nokuphelisa i-bill yokulungisa imoto eyi-$ 300 ngenxa yoko.
05 Imali engeyomfuneko
Olu luhlu olubanzi kwaye luyahlukahluka kwiimali zokuhlawula emva kwexesha elide (okuqhelekileyo lithetha ukunyuka okongeziweyo kwinqanaba lakho lemali) kunye nezinto ezifana netikiti zokukhawulezisa. Imirhumo yokupaka, imirhumo yexesha elide kunye nezinye iindleko ezilula ziyakongeza ukuya kwimali eninzi kulo nyaka. Kubalulekile ukufumana iindlela ezininzi zokuphepha ngokusemthethweni le ntlawulo njengoko kunokwenzeka. Uninzi lwazo lunokuphetshwa ngokukhawuleza ukuhlawula ngexesha okanye ukuzinyamekela izinto.