Misela iNgxowa-mali eNgxamisekileyo
Ukuba unenkxaso yecandelo elixakekileyo lokujongana neendleko ezingalindelekanga, ngoko awuyi kuphinda udibanise kwi-akhawunti yakho yokugcina ukugcina izinto ezifana nokulungiswa kwemoto.
Nangona kunokubonakala ngathi utyongela ekulondolozeni, awuyiyo loo nto ngenxa yokuba uzibekelele ezi mali phambi kwexesha ukugubungela le ndleko.
Shintshela kwiCash kuphela
Ukuchonga iintlobo zakho zeengxaki uze utshintshe imali ukuze uhlawule uninzi lweendleko zakho. Ibhanki yakho inokudlulisa ngokuzenzekelayo imali ukuhlawula iindleko kwi-akhawunti yokugcina imali okanye i-akhawunti yokulondoloza, okwenza kube lula ukuxhoma kwi-budget yakho. Xa usebenzisa imali ngokusetyenziswa kwemali yakho, kuthatha umsebenzi omningi ukuchitha imali ngenxa yokuba kufuneka uwathathe imali ngaphandle kwebhanki.
Hambisa I-Savings Yakho kwenye Ibhanki
Ukuba ubeka imali yakho kwibhankini eyahlukileyo okanye uvula i- akhawunti yokulondoloza i-intanethi , iyancipha ukuba ungayifumana njani ngokukhawuleza imali. Oku kunokukunceda ukuphengula ukuthengwa komtsalane, kwaye uya kuba nokufikelela kwimali ukuba uyayidinga. Unokuba imali yakho idluliselwe ngokuzenzekelayo kule akhawunti nganye nyanga.
Kwenza kube lula ukuvumela imali ukuba ikhule kunokuba ithembele kuyo ukukhupha imali yakho.
Lungisa iBhajethi yakho
Ukuba uhlala ungena kwi-savings yakho, oku kukho uphawu lokuba kukho into engalunganga ngohlahlo lwabiwo-mali. Unokufumanisa ukuba kufuneka ulungelelanise imali yakho kwisigaba sakho sokutya okanye kwezinye iindawo ukuze uhlawule iindleko ezikhulayo kwiimali ezixhamlayo.
Ukuthatha ixesha lokubhala phantsi uhlahlo lwabiwo-mali kwaye ukuyilandelela inyanga nganye kuya kwenza umda omkhulu kwindlela ongayilondoloza ngayo ngempumelelo inyanga nganye. Unokumangaliswa ukuba zininzi kangakanani iindleko zemihla ngemihla ezikubiza kakhulu .
Fumana iNgeniso eyongezelelweyo
Kungenzeka ukuba awukwazi ukwenza iindleko zakho ngeenyanga zonke. Ukuba uthengela ukungena iindleko zakho ezisisiseko nganye ngenyanga kwaye ungagqithisi ukukhawuleza okanye ukwehliswa kwe-overspending, kuya kufuneka ufumane imithombo eyongezelelweyo yengeniso okanye ujonge umsebenzi omtsha. Ukwandisa ingeniso yakho kungenza kube lula ukulondoloza. Ukuthatha umsebenzi wesibini ovumela ukuba ufumane iingcebiso kunokukunceda ukuhamba kwemali nayiphi na iimeko ezinokukhawuleza ezinokuthi zifike.
Fumana iindlela zokuNciphisa ezinye iindleko
Ukuba uhlala ungena kwi-savings yakho, mhlawumbi uthathe ezinye iimbopheleleko ezifana nokuthenga imoto okanye indlu ongenako ukuyifumana. Oku kunokwenqumla ukukwazi ukugubungela iimfuno zakho okanye uzive ngathi unandipha ubomi. Unokudinga ukusika ezinye izinto ezifana nomabonakude wekhebula okanye ubulungu bakho bokuzivocavoca ukuba uphumelele kwaye usebenze kwiinjongo zakho zemali. Ukongezelela, usenokufuna ukuthatha izinto ezinzulu ezifana nokuthengisa ikhaya lakho okanye imoto kunye nokunciphisa into enokukwazi ukuyenza.
Zizuze Ngokubaluleka
Ukuba uphendula ngokufanelekileyo kumabhaso angaphandle, unokufuna ukuzivuza njengoko ushaya nganye ibalulekileyo. Qala ngomvuzo omncinci kunye kunye ukukunceda ukwakha umxube, uze ubeke isikhala kunye kwaye uzenzele umvuzo omkhulu xa ufikelela kwiinjongo zakho. Umzekelo, ukuba i-$ 1,000 yakho yokuqala igcinwe, unokuzivuza ngomdlalo wevidiyo okanye ngeesibini izihlangu. Emva kokuba ufike kwi-$ 10,000, unokuzivuza ngento ethile efana neveki yeveki okanye into efanayo.