Uninzi lwabantu lunokwenza okungakumbi ukululalisa imali yabo ukukhupha ezinye iindleko zabo. Kuya kuba mnandi ukutshintshela umjiji womlingo kwaye ngokukhawuleza unayo imali eyaneleyo yokufihla zonke iindleko zakho kunye nokutya okuseleyo. Inyaniso kukuba ixabiso liyakhuphuka kwaye unokufuna ukwenza okungakumbi ukwandula i-paycheck yakho ukukhupha iindleko ezikhulayo. Iphakamisa, nokuba neendleko zokuphila ziphakamisa, akulula nje ukufumana xa uqoqosho ludaka.
Kwaye abantu abaninzi banombulelo wokufumana umsebenzi kuphela. Ukuba uhlawulwa ngekhadi lokubhadela imali , uya kulwa ngakumbi nangakumbi ngenxa yemali efihliweyo. Kuyixesha lokufumana indlela yokuphila engabonakaliyo . Funda ezinye iindlela ezilula zokulula isandla sakho sokuhlawula.
1. I bhajethi
Oku kungabonakali njengendlela yokwelula imali yakho yokuhlawula, kodwa ukuba ucwangcise ngokucophelela indlela ofuna ukuyisebenzisa ngayo imali yakho, uya kuba nemali eninzi ukuyichitha kwizinto ofuna zona. Ukuba awunaso icebo, imali yakho iya kupheka ngokukhawuleza njengoko uzama ukuhlawula iindleko zakho. Uhlahlo lwabiwo-mali lunye lwezixhobo zakho zokuphatha imali ezinamandla. Inokuba yinto eguquguqukayo njengoko uyifunayo ukuze inyanga enye uchithe ngaphezulu kwiindleko zakho zeeholide kwaye unciphise ukutya ngaphandle okanye kwezinye iindawo. Ukucwangcisa kukuvumela ukuba ubeke phambili izinto ngendlela ofuna ngayo ukuze uphumelele. Uhlahlo lwabiwo-mali kunye nokusekwa kweengxowa-mali ezixakeka kuzo zombini zibalulekile ukuba ufuna ukuyeka ukuhlala kwi-paycheck ukuhlawula .
Ungazama ezi ndlela ezili-15 zokuqala ukusindisa namhlanje ukukunceda ukwenza uhlahlo lwabiwo-mali lube lula.
2. Khangela kwiiNdawo zakho zokuLawula
I-akhawunti yokuchithwa kwe-flexible, iminikelo yomhlala-phantsi yenyanga, kunye ne-premium yakho ye-inshorensi yempilo inokunciphisa umlinganiselo we-IRS, kwaye awufumananga ukusika okukhulu kwi-paycheck yakho. Ababhalisi abavulekileyo kule nkqubo baqhelekile ekuwa, kwaye kufuneka uwasebenzise ngoku ngoku ukuba awunayo.
I-akhawunti yokuchithwa kwe-flexible ikuvumela ukuba ubeke eceleni imali yokunakekelwa kwezempilo okanye iindleko zokunakekela abantwana ngaphambi kokuba uhlawuliswe, ugcine imali. Uhlawulelwa ngalezi ndleko xa uzihlawula okanye inkampani yakho inokuba nekhadi lokubambisa onokuyisebenzisa. Ukuba awuwasebenzisi, uya kulahlekelwa inzuzo.
Iminikelo yomhlala phantsi iphuma phambi kweerhafu ukuba unemveli 401 (k) . Ukongezelela, awuhlawulwanga yinto umqeshi wakho ancedayo ngayo kwi-akhawunti, ngoko kufuneka usebenzise ngokugcwele umdlalo wakho wenkampani, leyo yimali yokuthatha umhlalaphantsi ongayifuni ukufaka isandla.
3. Zithengela iziCwangciso ezingcono
Kufuneka uthengise izinga elingcono kwifowuni yakho, umboneleli wakho wenkampani, umshuwalense wemoto, kunye nobulungu bakho bokuzivocavoca unyaka ngamnye. Abathengi abatsha banikezelwa ngamashishini angcono kunokuba abathengi abakhona. Ukuba ubhalisela isivumelwano, ngoko kufuneka uthengise ngexesha ngalinye isivumelwano sakho siphakanyisiwe. Oku kunokunciphisa iindleko zakho zenyanga, ngaphandle komsebenzi omkhulu, kwaye wenze imali yakho ihambe ngakumbi. Ukongezelela, unokucinga ukunciphisa imizuzu yakho, okanye iziteshi zokunciphisa intlawulo yakho yenyanga, ingakumbi ukuba ungayisebenzisi yonke inyanga nganye.
4. Gwema amatyala
Unokwenza imali yakho iqhube ngakumbi ukuba awukho mfuneko yokuhlawula inzala ebhankini.
Cinga ngako, ukuba usebenzisa ikhadi lokuthenga ngetyala ukuze uthenge into ngoba ithengiswa, kodwa yenza kuphela intlawulo encinci oya kuhlawula ngaphezulu inzala kunokuba ulondolozwe okokuqala ekuthengweni. Ukuhlawula ngemali (okanye ukukhishwa ngamakhadi) kukunika amandla angaphezulu okuchitha imali kwi dollar yakho. Ukuba awudingi ukwenza nayiphi na imali yentlawulo yenyanga, uya kuba ne-paycheck yakho yokuchitha kwaye ulondoloze inyanga nganye.
Ukwahlula Iindleko Xa Unako
Kwi-20s yakho, ukuthengwa ngobuninzi akuqhelekanga ukuqonda. Ukuba ungatshatanga okanye mhlawumbi isibini, unokuba nexesha elinzima usebenzisa oko uthenge ngaphambi kokuhamba kakubi, kwaye ukuba ulahlekelwa ngokwaneleyo kwimveliso ngaphandle, ngoko awuyiyo imali. Unokuyicombulula le ngxaki ngokwenza intsebenziswano kunye nabahlobo abambalwa, apho uthengela izinto ezininzi kunye, ukwahlula uze uhlule iindleko kunye nomnye.
Oku kungakusindisa imali ekudleni, kodwa awuyi kubambelela ukutya okuninzi kwaye akukho ndawo yokuyigcina. Ungakwazi kwakhona ukumisela intsebenziswano yokutya, apho ujika ngokutshatshana ngenxa yokuba kungabibizi ukupheka isidlo esikhulu kunabantwana abancinci. Zizo zonke iinketho ezingabonakaliyo omele uziqwalasele.
6. Khangela imisebenzi yamahhala
Yisebenzise nayiphi na imisebenzi okanye inkonzo onokuyenza. Ilayibrari yakho yindawo enkulu yokufumana iincwadi, kunye neeDVD zokubukela. Oku kungakugcina imali. Iidolophu ezininzi zinika iikhatyathi zangaphandle zamahhala kumashishini atshisayo okanye amafilimu angaphandle awona maninzi kunokuba ahambe kwindawo yokudlala. Ungakwazi kwakhona ukujonga imibono yamahhala okanye engancinci yokugcina imali. Ezi zikhetho zinokuzonwabisa, kwaye unciphisa inani olihlawulayo lokuba nexesha elifanelekileyo. Ukuchitha ixesha ngaphandle kokuhamba, ukubhukuda elwandle okanye lolwandle kungakusindisa imali kwiindleko zokuzonwabisa xa uvumela ukuba ube ngaphandle kwaye usebenze ngexesha elifanayo.
7. Sebenzisa iibhonasi zakho ngokuhlakanipha
Akufanele usebenzise ibhonasi yakho ukuhlawula iindleko zakho zemihla ngemihla. Xa udala uhlahlo lwabiwo-mali, akufanele usebenzise ibhonasi yakho njengenxalenye yebhajethi yakho . Nangona ibhonasi yakho ibonakala ingaguquguquki, inokutshintsha kwimizi emibini okanye ngokuphindaphindiweyo. Kunoko, kufuneka ujonge ibhonasi yakho njengemali eyongezelelweyo ukubeka kwiinjongo zakho xa ufumana. Kubalulekile ukwenza isicwangciso senkcitho yebhonasi yakho ukuze usebenzise imali ngokuhlakanipha. Kufuneka uqhubeke nokufumana imali kwi-budget yakho yemihla ngemihla ukuze usebenze kwiinjongo zakho xa ungafumani ibhonasi yakho ngonyaka.