Iindlela ezili-10 zokuNciphisa imali yakho yenyanga

by ULaureen Miles Brunelli

01 Indlela Yokugcina Imali

Xa ufuna iindlela zokwenza uhlawulelo lwakho ludlulele phambili okanye mhlawumbi ukwakhela imali yakho, indawo yokuqala ocinga ukuba uyinqumle kwizinto zonke zokunethezeka-i-lattes zemihla ngemihla, izidlo zangaphandle kunye nezinye.

Kwaye ngokuqinisekileyo ukuba kubalulekile ukuba, xa ugcina iliso elinyamekileyo kulolu hlobo lwenkcitho, xa usindisa imali kule mali, isaphulelo ngasinye senzeke kanye. Ukwenyusa kakhulu imali yokugcina imali, kufuneka unciphise iindleko zakho eziphindaphindiweyo . Kwaye ke, mayeke imali yokonga.

Nangona kubonakala ngathi iindleko zeempahla kunye neenkonzo zikhuphuka, ewe, ngezinye iinkcukacha, ngezinye izikhathi zihla. Ukhuphiswano kunye ne-teknoloji entsha ihlawula ixabiso leenkonzo zenyanga, njenge-cable, ifowuni kunye ne-Intanethi. Oku kudala ithuba lokunciphisa iindleko zenyanga zebhajethi.

02 IiNkonzo zeTevisi

Imagenavi / Getty

Ukhuphiswano kweli shishini lithetha ukuba iipakisha ezintsha kunye neethalavishini ze-TV eziza kukugcina imali zihlala zifumaneka. Ithelevishini kunye neefowuni / ababoneleli nge-intanethi ngoku baxhamla iinkonzo kunye, ngoko kudibanisa ifowuni yakho, i-intanethi kunye neenkonzo zeTV kwiinkampani enye ingasindisa imali.

Amakhasimende amatsha, nokuba iinkonzo zokubambisa okanye azinjalo, ngokuqhelekileyo zifumana iindawo ezifanelekileyo, ngoko kuyafuneka ukuba utshintshe ababoneleli. Kodwa ngamanye amaxesha usongela ukutshintsha iya kukunika isaphulelo. Kwakhona, ukuba unokwenene ngempela malunga nokugcina imali, cinga ukulahla iipakethe zakho ngokukhawuleza ukuhlawula imirhumo yekhebula.

Kwaye kukho umbuzo wokuba ufuna ngokwenene i-cable okanye i-satellite. Ngeenkonzo zevidiyo ezisasazayo kunye ne-antenna yedijithali, unokukwazi ukufumana yonke umabonwakude oyifunayo ngaphandle kwabo. Elandelayo >>

Ezinye iindlela zokusindisa: Ukunciphisa iindleko zakho zokutya

03 Ifowuni yomhlaba

Abantu abaninzi banokukrazula ngokupheleleyo i-landlines yabo, kubonakala ngathi yintsapho engaqhelekanga eneneni. Nangona kunjalo, ukuba usebenza kwikhaya lakho, ingakumbi ukuba ungo-agent yesikhungo senxeba ekhaya, umhlaba ongasemhlabeni ungasadingeka. Ukuba unomsebenzi kunye nomnxeba wefowuni (okanye umgca wefeksi), kufuneka uqikelele ukuwuyeka. Nge-scanner, unako ukuthumela i-imeyile imibhalo njenge-PDF kunokuba uthumele ngefeksi; kukho iinkqubo eziza kukuvumela ukuba ufumane ifeksi njenge-imeyile. Ukuba ufuna i-landline ye-shishini lakho, ngaba ufuna kwakhona ekhaya okanye ngaba iselula ifake?

Ukuba ufuna zonke iifowuni zeefowuni, khumbula ukuba, njengabaxhasi be-intanethi kunye ne-Intanethi, iiphakheji zesevisi yomhlaba we-landline zihlala zithengeka njengoko ukhuphiswano oluninzi luza kwiimarike. Cinga nge-VOIP okanye iinkonzo zefowuni. Ukuba uhlala kunye nenkampani yakho yefowuni yenkcubeko, qi ni sekise ukuba ufumana inkonzo enokude enokude kwaye ungakhokheli iinkonzo ongenanto. Elandelayo >>

Ezinye iindlela zokusindisa: Gcina imali ngokuSebenza kwiKhaya.

04 Inthanethi

Getty / Darren Robb

Ukuthenga ngeenxa yokufumana ipakethe engcono yefowuni kunye / okanye iinkonzo zeTV zingakunokusindisa kwi-intanethi yakho, ngokukodwa xa usebenzisa iDLL. Kukho ezinye iinketho ezininzi kwiintanethi iinkonzo ezibandakanya ikhebula, i-satellite kunye neendawo ezininzi ze-intanethi. Kwakhona, isantya soxhumo lwe-intanethi lichaphazela ngqo intengo, ngoko ke uhlawule kuphela isivinini njengoko ufuna.

I-Intanethi yindlela yokuphila yocingo lwee-teleferensi, okokuqala wenze okokuqala uphando lwakho. Qiniseka ukuba utshintshi abanikezeli benkonzo entsha entsha iya kunika iinkonzo kunye nokwethembeka kwezoshishino zakho. Elandelayo >>

05 Ifowuni yefowuni

Iifowuni zefowuni ziyakuthanda ukubonelela ngeefowuni zamahhala ukuba zenze ukuba ubhalisele enye inkontileka yeminyaka emibini. Ngaphambi kokuba uvuselele isivumelwano sakho zibuze imibuzo embalwa:

Ingaba ufuna ngokwenene ifowuni entsha kwaye yintoni efihlakeleyo idibeneyo kunye nesicwangciso sakho ukufumana?
Ngaba usebenzisa yonke imizuzu ekwabiweyo, ukuba isicwangciso sakho sinomda? Ukuba unesicwangciso esingenamkhawulo wenza iifowuni ezaneleyo ukuze wenze okufanelekileyo? Efanayo iya kudatha.
Ngaba uhlawula i-Intanethi kunye nokuthumela imiyalezo kodwa ungayisebenzisi ngokwaneleyo ukulungiselela iindleko? Okanye uyayisebenzisa kakhulu kangangokuba esinye isicwangciso sinokuba yinto engcono?
Ingaba isicwangciso esincinci okanye i-cell phone ehlawulwe kuqala inokukusebenzela ngokunjalo.

Ngokungena ngemvume kwi-akhawunti yakho kumnikezeli wefowuni yakho, unokuba unikwe ipakethe engabizi. Okanye, biza uze ucele enye. Elandelayo >>

06 Umshuwalense

Thelekisa ixabiso lemoto, ikhaya, impilo, ishishini kunye ne-inshorensi yobomi. Ukudibanisa kwinkampani yomshuwalense kunokunciphisa iindleko ze-inshorensi yakho. Oku kunokuthetha ukuba uzakufuna ukuthatha ishishini lakho kwenye indawo ukuze ugcine imali.

Kodwa ngaphambi kokuba uyenze, qiniseka ukuba ufumana zonke izaphulelo ozifanelekayo kwinkampani yakho yangoku. Cinga ukuphakamisa i-deductible yakho kumanani aphantsi. Buza i-arhente yakho ukuba yintoni enye izaphulelo onokuzifumana. Ngokuqhelekileyo ukusebenza kwasekhaya kunokuthetha isaphulelo kwi-inshurensi yemoto. Elandelayo >>

07 Iimali zeMali

U-Alina Vincent Photography LLC / Getty

Imirhumo yeBhanki isoloko encinci kodwa iyakongeza inyanga emva kwenyanga. Hlola ukuba ubone ukuba uhlawula umrhumo wenyanga kodwa nangona ibhanki yakho ngoku inikezela ngokukhawuleza. Ingakumbi ukuba unayo idiphozithi ngqo, iibhanki ezininzi zinika uhlobo oluthile lokukhangela kwamahhala.

Ingaba uhlawula iimali ze-ATM kuba ushishino lwakho lwebhanki aluvumelekanga? Kungenzeka kube lula njengokuba uhlalutya ukhetho lwakho lwebhanki lwangoku okanye unokucinga ukufuduka kwe-akhawunti yakho kwibhanki enee-ATM ezininzi kwindawo yakho. Elandelayo >>

08 Ukuhlaziya ikhaya lakho

Getty / Ron Bailey

Ukuhlaziywa kwakhona kwekhaya lakho kunokunciphisa iindleko zakho zebhajethi zenyanga ngokubanzi, ngezinye izihlandlo ukugcina amakhulu eedola ngenyanga.

Kodwa ukuhlaziywa kubandakanya ezininzi iindleko eziphambili (iinjongo zentlalo, irhafu, iirhafu, njl.), Ngoko kungathatha iinyanga eziliqela (nokuba iminyaka) ukuba uqaphele ngokwenene le mali. Yaye ukuba awuyikucwangcisa ukuhlala endlwini ixesha elide, unokulahlekelwa yimali ngokucoca. Qaphela ngokucophelela ukuxhamla kunye neqhinga lokuhlaziywa kwekhaya lakho ngaphambi kokuba uthathe isinyathelo sokusika indleko. Elandelayo >>

09 Amaphuzu okuBala

Getty / Martin Barraud

Ukuba unekhadi lesikweletu elinemivuzo, sebenzisa. Kodwa sebenzisa ngobulumko. Gcina ukhumbule ukuba iinkampani zamakhadi zekrediti zinikela ngamaphuzu ukuze akwenze uchithe ngaphezulu. Ngoko musa ukuhlawula ngaphezulu (ngokukhwaza inzala okanye iirhafu) ukwenzela ukuba ufumane imivuzo. Ukuqokelela amanqaku ngokukhawuleza, gxininisa imali yakho kwikhadi elinye elinikeza umvuzo oyisebenzisayo kunokusasaza imali yakho phakathi kwamakhadi athile.

Ukugcina iingongoma zemivuzo yeeholide lakho lephupha okanye enye i-splurge iqhuba umngcipheko weengongoma eziphela okanye ezingaze zisetyenziswe. Ukusebenzisa amanqaku rhoqo rhoqo kukunceda uchithe iindleko zakho zenyanga. Cinga ukusebenzisa iindlela zokuvuza ezihlawula imali okanye unikele ngamakhadi wesipho oya kuyisebenzisa. Elandelayo >>

10 Izixhobo

Njengamashishini kunye neefowuni, inkampani yakho yokusebenza inokubakho ukhuphiswano oluninzi kunokuba lwakwenza ngaphambili. Ngokuqhelekileyo unokutshintsha igesi okanye abathengi bamagesi ngenani elingcono kwimfuno zakho zamandla, ngelixa usalugcine umthengi wenkampani efanayo kunye neenjongo zokuhambisa. Nangona kunjalo, abanye ababoneleli abanalo ixabiso elingcono kakhulu ukuze niqiniseke ukuba nithengisa ukuthenga.

Kodwa, ngokuqinisekileyo, indlela endala yokugcina kwiindleko zesebenzi ukugcina umbane okanye ukuchitha amanzi amaninzi. Elandelayo >>

11 Inzala

Inzala yenyanga ingaba yindleko enkulu kulabo abanamatyala amakhulu. Ukwenza intlawulo encinci kuphela kuthetha ukuba inzala yenyanga yondla ininzi yentlawulo yakho. Ukunciphisa inzala kunokuthetha imali engaphezulu kwezinye iindleko okanye ukukwazi ukuhlawula ityala ngokukhawuleza.

Enye indlela yokunciphisa umdla wakho kukuba ucele umyinge ophantsi. Iinkampani ziza kufakazela ukugcina ibhizinisi lakho. Ukuba azinjalo, qwalasela ukutshintsheliswa kwemali kwelinye ikhadi elinomlinganiselo ongcono. Funda ukushicilelwa okulungileyo, nangona kunjalo, ukuhanjiswa kokulinganisela kwamanye amaxesha kunika amaxabiso akhuphuka emva kwexesha kwaye ngokuqhelekileyo kubandakanya iifizi.

Gwema umdla kummandla wokuqala ngokugcina ieholide kunye nezinye iindleko eziyaziwayo ngaphambili.