Ukuba nomnxeba ngemali kungaphezulu kokuphela kweziphumo. Ungakhathazeki ukuba awuyiyo izibalo ngexesha; Izakhono ezinkulu zamatriki azikho imfuneko - kufuneka nje ukwazi ukudibanisa esisiseko nokukhupha.
Ubomi kulula kakhulu xa unamakhono obuchule bezezimali. Indlela ochitha ngayo imali yakho ithintela umlinganiselo wakho wekhredithi kunye nenani lesikweletu ophelile ekuthwaleni. Ukuba unengxaki yokuphathwa kwemali, umzekelo, uhlala ehlawulela ukuhlawula ngaphandle kwanokwenza imali eyaneleyo, nakhu iziphakamiso zokuphucula iimveliso zakho zemali.
1. Cinga ngaphambi kokuba usebenzise
Xa ujongene nesigqibo sokuchitha imali, ingakumbi isinqumo esikhulu sokuthenga, musa ukucinga nje ukuba unokukwazi ukufumana into ethile. Qinisekisa ukuba unako ukuyifumana kwaye ukuba awukwenzile loo mali kwizinye iindleko.
Oko kuthetha ukusebenzisa uhlahlo lwabiwo-mali kunye ne-balance kwi-akhawunti yakho yokujonga kunye nokulondoloza ukugqiba ukuba ngaba unokukwazi ukuthenga ukuthenga. Khumbula ukuba ngenxa yokuba imali ikhona akukho kuthetha ukuba ungayithenga. Kufuneka uqwalasele kwakhona iindleko kunye neendleko oza kufuneka uzihlawule ngaphambi kokuba uhlawule umhla ozayo.
2. Yiba nomtya weB
Abantu abaninzi abacwangcisi uhlahlo lwabiwo-mali ngenxa yokuba abafuni ukuhamba nento abacinga ukuba iya kuba yinkqubo ebangelisayo yokubeka uluhlu lweendleko, ukunyusa amanani, nokuqinisekisa ukuba yonke into ihamba. Kodwa ukuba unobungozi ngemali, ngokwenene awunayo indawo yokuzibambela kunye nohlahlo lwabiwo-mali. Ukuba konke kuthatha ukuba usebenzise imali yakho kwimizuzu embalwa usebenza uhlahlo lwabiwo-mali ngenyanga, kutheni ungeke uyenze?
Esikhundleni sokugxila kwinkqubo yokwakha uhlahlo lwabiwo-mali, gxininisa kwixabiso lokuba uhlahlo lwabiwo-mali luya kubakho ubomi bakho.
Sebenzisa iBhajethi
Uhlahlo lwabiwo-mali luyinto engenalusiyo xa uyayenza ke ukuba iqoke uthuli kwifolda ekhutshwe kwi-shelf yakho okanye kwifowuni yekhabhinethi. Jonga kuyo rhoqo ngenyanga leyo ukukunceda ukukhokela izigqibo zakho zokuchitha.
Hlaziya kwakhona njengoko uhlawula iindleko kwaye uchithe ngezinye iindleko zenyanga. Ngaliphi na ixesha elithile ngenyanga, kufuneka ube nengcamango yemali ongayisebenzisa ngayo, ucinge nayiphi na indleko oshiye ukuyihlawula.
4. Zinike umlinganiselo wokuchitha imali engabonakaliyo
Ingxenye ebalulekileyo yebhajethi yakho yinzuzo engenayo okanye imali eseleyo emva kokuba ususe iindleko zakho kwiholo lakho. Ukuba unayo imali eseleyo, ungayisebenzisa ukuzonwabisa kunye nokuzonwabisa, kodwa kuphela ukuya kwisixa esithile. Awukwazi ukuhlamba ngale mali, ingakumbi ukuba akuyiyo into eninzi yokugcina inyanga yonke. Ngaphambi kokuba wenze naluphi ukuthenga okukhulu, qiniseka ukuba akuyi kuphazamisa nayiphi na into oye uyiceba.
5. Ukulandelela imali yakho
Ukuthengwa okuncinci apha kwaye kukho ukunyuka ngokukhawuleza kwaye ngaphambi kokuba uyazi, uhlawule imali yakho. Qala ukulandelela imali yakho ukuze ufumane indawo apho unokungazi ngokungazi. Gcina iirisithi zakho kwaye ubhale ukuthenga kwakho kwirejista yokuchitha imali, ubeka uluhlu ukuze ukwazi ukubona iinkalo apho unzima ukugcina imali yakho.
6. Musa ukuzibophelela kunoma yiyiphi na imiThetho yeeNyanga eziNyanga eziKhulayo
Kungenxa yokuba imali engenayo kunye nekhredithi ikufanelekela ngemboleko ethile, akuthethi ukuba kufuneka uyithathe.
Abantu abaninzi banengqiqo becinga ukuba ibhanki ayinakuyivuma i-card yekhredithi okanye umboleko abakwazi ukuwufumana. Ibhanki iyakwazi kuphela ingeniso yakho, njengoko uxelele, kunye nezibophelelo zetyala ezibandakanyiweyo kwingxelo yakho yebhanki, akukho naziphi na izibophelelo ezinokukuthintela ukuba wenze iintlawulo zakho ngexesha. Kuye kuwe ukugqiba ukuba ngaba intlawulo yenyanga iyakwaneliseka ngokusekelwe kwingeniso yakho kunye nezinye izibophelelo zenyanga.
7. Qinisekisa ukuba Uhlawula amaxabiso aphezulu
Unokwenza uninzi lwemali yokuthelekisa imali, ukuqinisekisa ukuba uhlawula amaxabiso aphantsi kweemveliso kunye neenkonzo. Khangela izaphulelo, amakhuphoni, kunye nezinye iindlela ezingabizi xa unako.
8. Gcina kwiintengo ezinkulu
Ukukwazi ukulibazisa ukuthotywa kuya kuhamba ngendlela ekuncedeni ukuba ube ngcono ngemali. Xa unqumla ukuthenga okukhulu, kunokubingelela izinto ezibaluleke ngakumbi okanye ukubeka ukuthengwa kwikhadi lekhredithi, uzinike ixesha lokuvavanya ukuba ukuthenga kuyimfuneko kwaye ixesha elide lokuthelekisa amanani.
Ngokulondoloza kunokusebenzisa ityala, uyaziphepha ukuhlawula umrhumo ekuthengeni. Yaye ukuba uyasindisa kunokuba uphuphe iibhili okanye iimbopheleleko, akunjalo, akufuneki ukujongana nemiphumo emininzi yokulahleka loo mabhili .
9. Nciphisa i-Credit Card Purchases
Amakhadi okwereta awona mbi kakhulu otshabalalayo. Xa uphelelwa yimali, umane ujika kumakhadi wakho ekwereta ngaphandle kokuqwalasela ukuba unako ukuhlawula imali. Melana nomnqweno wokusebenzisa amakhadi wakho ekwereta ekuthengeni ongenako ukuthenga, ngakumbi kwizinto ongazifuni ngokwenene.
10. Nika inkxaso kwiNgcaciso rhoqo.
Ukuchitha imali kwi-akhawunti yokulondoloza inyanga nganye kunokukunceda ukuba ube nemikhwa yempilo enempilo. Unokwazi ukuyilungisa ukuze imali itshintshe ngokuzenzekelayo ukusuka kwi-akhawunti yakho yokujonga kwi-akhawunti yakho yokugcina. Ngaloo ndlela, akumele ukhumbule ukwenza ukutshintshwa.
Ukuba nomnxeba ngemali kuthatha isenzo. Ekuqaleni, ungasetyenziselwa ukucwangcisa phambili kunye nokucima ukuthenga uze ufikelele. Xa ukwenza le miqobo ibe yingxenye yobomi bakho bemihla ngemihla, kulula ukulawula imali yakho kwaye ibe ngcono kwiimali zakho ziya kuba.