Xa imali iqinile, okanye uzama ukwandisa ukonga kwakho, unokufuna iindlela ezongezelelweyo zokugcina imali okanye ufuna ukuqala ukugcina ukuba ungenayo imali . Unokudinga ukubeka phambili ukugcina ngaphambi kokuhlawula ityala lakho kwezinye iimeko . Ngokuqhelekileyo xa unganakufumana, kubonakala ngathi akunakwenzeka ukufumana iindlela ezongezelelweyo zokugcina imali . Nangona kunjalo, ngamaxesha afana nalokhu xa kufuneka usebenze kanzima ukuzithengisa imali eyongezelelweyo oyifunayo njengendlela yokukhusela iindleko ezingalindelekanga. Kubaluleke kakhulu ukugcina imali ephambili. Nazi iindlela zokugcina imali nangona imali imile.
01 Shintsha iNkonzo yakho yeThelevishini
Enye yeendlela ezilula ukufumana imali eyongezelelweyo ukubeka imali ekukhuseleni imali kukukhansela i-bill yakho yebhanki. Ndihlala ndikumangaliswa kwisixa abantu abahlawula ukubukela ithelevishini. Ngokuqhelekileyo, incoko iya kuza kwaye abantu baya kukhononda malunga ne-$ 100 okanye ngaphezulu kwenyanga yenyanga. Unokufuna ukucima yonke into ngokupheleleyo, kodwa ukuba oko akunakubhenela ukuba usebenzise iNetflix okanye i-Hulu + ukuze ulungiselele umboniso wakho. Iinkonzo ezidibeneyo zindleko malunga ne-$ 16.00 ngenyanga kwaye unokubeka imali eyongeziweyo kwibhanki inyanga nganye. 02 Khangela iBhili Yakho Yokutya
Enye indlela ongayifumana ngayo imali engakumbi ngokuguqula indlela oyidlayo. Uninzi lweenguqu luya kuzuza inqabileyo yakho, nangona kungathabatha ixesha elide ukuba ulungiselele ukutya kwakho ngalunye usuku. Into enokuyenza yinto yokuyeka ukutya . Ukuba uyadla yonke imihla, unokugcina kalula ngaphezu kwama-40 ukuya kwi-50 ngeveki, nangaphezulu xa udla ngaphandle kwiindawo ezisemgangathweni. Ukuba unqabile ukutya, ungagcina imali ngokunciphisa ukutya okulula kunye nokupheka ukususela ekuqaleni. Unokusebenzisa ezi zicwangciso ezinhlanu zokunciphisa i-bill yakho yokutya . 03 Thatha inzuzo kwiiNtengiso ze-intanethi
Kungaba nzima ukunamathela kwisabelomali sakho, ngakumbi xa unomuzwa wokuthi awunakuze uhlekise. Kubalulekile ukuhlawula imali kwiindleko zokuzonwabisa, kodwa ungagcina imali kulezi ndleko ngokusebenzisa ama-intanethi kwi-intanethi ongayifumana kwi-Amazon Local, Living Social okanye iGroupon. Ubuqhetseba bala maqhinga kukuthenga kuphela owaziyo ukuba uya kuwusebenzisa kwaye uyeke ukukhawulela umda wakho kwinyanga. Unako ukufumana amanqaku amnandi kwizinto zonke ukusuka kwiisitishi zokutya ukuze udle ezimbini. Kufuneka uqaphele ukuba awuphelelanga ukuchitha imali ngaphezu kokucwangcisa xa ukhona. 04 Sika zonke iiCandelo nje kuphela
Xa uqinile, usenokuba usikelele yonke into eyongezelelweyo kwibhajethi yakho onokuyilawula. Uhlahlo lwabiwo-mali olunje aluyi kuba nobulungu bokuzivocavoca, akukho mbononwakude, kwaye ncinane kakhulu ekuzonwabisa. Xa ufumana nje, usadinga ukugcina imali ngenyanga. Zama ukufumana iindlela zokugcina i-$ 5 ukuya kwi-10 kwinqanaba ngalinye kwisabelo-mali sakho kwaye ubeke loo mali kwi-savings yakho okanye kwingxowa-mali. Unako ukugcina enye i-$ 5 ngeveki kwisitolo sokutya ngokushiya enye into eluhlu lwakho. Ukuba ugcina ifowuni, unokukwazi ukunciphisa imali oyisebenzisayo kwigesi inyanga nganye. Lungisa i-thermostat yakho ukwenzela ukuba awukhokheli kakhulu kwiindleko zokufudumala nokuzipholisa. Unokwenza i-nickel kwaye udibanise indlela yakho yokugcina imali. 05 Fumana iNdlela yokuKhusela kwiNdleko ezinkulu
Khangela ibhajethi yakho yonke. Ngaba ukuhlawula imoto yakho kuninzi? Ngaba unokufumana indawo engabizi yokuhlala epholileyo? Ngaba unokungena kunye nabahlala nabo ukuze ulondoloze kwirenti ? Ezi zikhethi zinokuba ngamanyathelo okugqibela owathathayo njengoko ukhangela iindlela zokwandisa ukonga kwakho, kodwa ngokwenene unokukunceda ugcine imali eninzi kwiindleko zakho ngenyanga. Ezantsi ugcina ezi ndleko ziza kuba lula ukuzinamathela kwisabelomali sakho. Ukuba ukhetha ukuthengisa imoto yakho , qiniseka ukuba uyayiphatha kakuhle kwaye uthenge imoto ethembekileyo. 06 tshintshela kwiCash for Your Daily Expenses
Nangona kungenakwenzeka ukuhlawula irenti yakho okanye iibhidi zesebenzisi ngemali, ukutshintshela imali kwiindleko zokuzonwabisa kunye ne-bill yezinto zokuzonwabisa kunokukunceda ukuba unciphise imali yakho. Kunceda ukuba ube nomda onzima kwimali yakho, kwaye ukuba awuyi kubuya kwikhadi lakho lokubambisa xa uthengisa, uya kuqonda ngakumbi into ochithayo. Kusenokuthetha ukukhetha kwivenkile ukubuyisela izinto, kodwa kuya kukukunceda ukuba ubone indlela engcono yokusebenzisa imali onayo kuba ubeka kuqala imali oyisebenzisayo. 07 Sebenzela ukuhlawula amatyala akho
Inzala ephakamileyo yemali, njengamakhadi-mboleko, inokuyidla ingeniso yakho yenyanga. Unokumangaliswa ukuba unjani ukuhlawula umdla kwinyanga nganye ukuba uphethe ibhalansi kwiikhadi lakho lekredithi. Ukuthatha amanyathelo okuhlawula amakhadi akho ekwerethi ngokukhawuleza kunokwenzeka uya kukhulula imali eyongezelelweyo kwibhajethi yakho kwaye wenze ukuba ukwazi ukwenza izinto ezininzi ngemali yakho. Ukuba ufuna ukukhululeka kwaye ulondoloze ukulahla ityala lakho liyinyathelo elibalulekileyo.