Ukuphuma kwetyala akulula kunoma ubani, kodwa kunzima kakhulu kumntu ongenayo imali eninzi yokuzikhusela. Unokuhlawula ityala xa uqhekeza, kodwa kungekhona ngaphandle kokwenza utshintsho lwezezimali kuqala.
1. Yenza uhlahlo lwabiwo-mali ukuba awunayo . Uhlahlo lwabiwo-mali luyakunceda wenze izigqibo ezingcono malunga nemali yakho kwaye ikunike ingcamango yokuba ungakwazi kangakanani ukubeka ityala lakho kwinyanga nganye.
Ungazami ukulawula iindleko zakho entloko yakho; Ukubona amanani ephepha kukuvumela ukuba ubone umfanekiso omkhulu ngaphandle kokuthembela kwimemori yakho. Uhlahlo lwabiwo-mali luyakunceda ubone apho unokukwazi ukukhulula imali ongayifaka kwi-ityala lakho.
2. Yenza umehluko phakathi kwephule kunye nokugqithisa . Ngaba usebenzisa "ukuphuka" ukuchaza oko kwenzeka ntoni emva kokuba uchithe yonke imali yakho kwizinto ezingezizo iindleko kunye nezingezizo eziyimfuneko? Ukuba kunjalo, awuqhekekanga ngokwenene. Unokwenza utshintsho oluthile malunga nendlela ochitha ngayo ukudala elinye igumbi elongezelelweyo kwibhajethi yakho. Ukuba uthe waqhekeka ngokwenene, musa ukwenza okubi ngakumbi ngokwenza izigqibo ezimbi - njengokuchitha imali kwizinto ongazidingayo.
3. Hlanganisa isicwangciso . Ukuhlawula ityala lakho kufuneka kuhlale kuqale ngesicwangciso , kungakhathaliseki ukuba unayo imali kwaye nokuba awukwazi ukuqala ukuhlawula ityala lakho kwangoko. Qala ngokubeka uluhlu lwamatyala akho kunye nomyinge kunye nenzala. Phambili kuqala iakhawunti yakho, ukhangele umyalelo ofuna ukuwuhlawulela ngawo, umzekelo, inqanaba lesantya lentlawulo ephezulu, yokuqala ibhalansi, okanye omnye umyalelo.
Isicwangciso kukuhlawula ngokubanzi njengokuba unakho ukuthenga kwiakhawunti enye ngelixa uhlawula ubuncinci kuwo onke amanye ama-akhawunti. Ngokufanelekileyo, uza kufumana iindlela zokukhulula imali eyongezelelweyo kwibhajethi yakho (ngaphezulu kwiizantsi apha), kodwa ukuqala, sebenze nento
4. Yeka ukudala ityala . Yinqumle amakhadi akho ekhredithi kwaye ungafaki isicelo semali-mboleko ukuze ungenalo ikhono lokudala ityala elongezelelweyo.
Awusoze wakhupha ityala xa uqhubeka ungeze kwimilinganiselo yakho. Ukwakha ityala elongezelelweyo kwandise iindleko omele ukwenze, okudala ukunyuka okongezelelweyo kwingeniso yakho yenyanga. Kunzima ukuhlala ngaphandle kwamakhadi ekhredithi xa usuqhekekile, kodwa ukuba unzima kakhulu malunga nokuphuma kwetyala, kubalulekile ukuba ufumane indlela yokuphila kwimali yakho engenayo.
5. Khangela iindlela zokunciphisa iindleko zakho . Musa ukuqaphela ngalo. Hlola iimali zakho zebhanki zenyanga ukuze ubone oko uchitha imali ngenyanga. Ukuthengwa ngalunye, zibuze ngokubalulekileyo ukuba le yindleko yokulahla. Khumbula, awunciphisi iindleko ngaphandle kwesizathu nhlobo. Ukwenza oko ukuze ukwazi ukuphuma kwetyala. Yinjongo efanelekileyo. Unokufuneka wenze imibingelelo yesikhashana, kodwa unokongeza iindleko emva kokuba ungenamatyala xa uthetha iindleko.
6. Khangela iindlela zokwandisa ingeniso yakho . Ukwenza imali ethe xaxa kufezekisa iinjongo ezimbini. Okokuqala, awusayi kuphinda uncike kwiikhadi lakho lekredithi ukuze uphumelele kwaye uza kuphila ngendlela yakho. Okwesibini, uya kuba nemali ethe xaxa yokubeka ityala lakho. Unokwandisa ingeniso yakho ngokuthatha umsebenzi wesibini, ukwenza umsebenzi wokuzimela, ukuthengisa izinto kwi-eBay okanye kwi-Craigslist, ukwenza imali kwi-hobby, ukwenza imisebenzi engaqhelekanga okanye ukuqala ishishini elincinci.
7. Cela ababolekisi bakho ngenani eliphantsi . Inzala ephezulu inenza kube nzima ukuhlawula ityala lakho ngenxa yokuba enye inkokhelo yakho yenyanga ihambela kwiintlawulo zenzalo. Ukunciphisa umyinge wakho wenzala kunciphisa inzala yenyanga uhlawula kwaye ikuvumela ukuba uhlawule ngokukhawuleza ityala lakho. Umlinganiselo omhle wekhredithi kunye nembali yentlawulo efanelekileyo kukunika umgangatho ophezulu ekufumaneni inzala engaphantsi. Ukuba umnikeli wakho wekhadi lokuthenga ngetyala akuyi kukhwela, cinga ukutshintsha imali yakho kwibhanki lekhredithi elinomyinge ophantsi. Ukusebenzisa inzuzo ye-balance% ye-0% kulunge ngakumbi.
8. Ukuhlawula ngexesha kwaye ukhuphe iimali . Ukuhlawulwa kwexesha elide kukunciphisa ityala lakho lihlawule inkqubela. Uya kufuneka uphindwe kabini kwiintlawulo zenyanga ezayo kunye nokuhlawula umrhumo wexesha elifutshane-imali ebenokunciphisa ibhalansi yakho. Ngaphezu koko, iintlawulo ezimbini zekhadi lokuthenga ngetyala ngelo xesha ziza kubangela izinga lokuhlawulwa , oku kuya kwenza kube nzima ukuhlawula ityala lakho.
9. Cinga ngeengcebiso zabathengi ngemali . I- arhente yokucebisa ngekhredithi inokusebenza nawe ukuhlaziya iimali zakho kwaye ufumene uhlahlo lwabiwo-mali olubandakanya iintlawulo zenyanga zetyala. Ukuba awukwazi ukuhlawula iitaliti zakho, umcebisi wekhredithi uza kuzama ukulungiselela isicwangciso solawulo lwetyala kunye nabathengi bakho. Isicwangciso solawulo lwetyala, okanye i-DMP, kubandakanya iintlawulo eziphantsi kwenyanga nganye kubathengi bakho. Uya kwenza inkokhelo yenyanga nganye kumcebisi wakho wekhredithi oza kuthi ke abelane ngeentlawulo kumntu ngamnye wabathengi.
10. Thatha isinyathelo esinye ngelo xesha . Ukujonga umfanekiso wakho wekotyala kungabonakalisa, kodwa khumbula ukuba awuyi kuyenza yonke into ngokukhawuleza. Ngokugxila kwelinye ityala ngexesha, ukuhlawulwa kwetyala lakho kusebenza kakuhle. Ukulandelela inkqubela yakho, bhiyozela impumelelo yakho, kwaye uqhubeke ususa kude uhlawule ityala lakho.