Ngaba ufuna iindlela ezilula zokuqalisa imali ? Kukho ubungqina bokuba uBenjamin Franklin uthi ipenki isindiswe ipenny. Inyaniso yindoda encinci yokonga ingongeza ngaphezu kwexesha. Iqhinga kukufumana iindlela zokugcina zonke iintsuku . Ukulondolozwa okuncinci kunokongeza kunye kwaye ukuba ugxile ekulondolozeni ezintweni ezincinci, unokufumana iindlela zokugcina kwizinto ezinkulu. Funda indlela onokuqalisa ngayo ukusindisa namhlanje.
01 20 Izindlela Zokugcina Ukutya
Pheka ukutya kwakho ekhaya . Thenga nge uluhlu. Sebenzisa isevisi yokucwangcisa ukutya ukucwangcisa ukutya kwakho. Yidla ukutya okuseleyo okanye upake isidlo sasemini ekhaya. Pheka kanye ngeveki okanye kwinyanga enye ukwenza ukutya ekhaya kulula. Sebenzisa amakhuphoni uze uthenge ivenkile kwivenkile yakho. Zama ukuthenga kwi-club yogcini okanye isaphulelo esitolo sokutya ukuze ufumane amaxabiso aphantsi. Thengisa kwiivenkile enye ngeveki ukufumana amanani aphantsi kunto nganye. Thenga ezitolo zeentlanga ukuze ufumane amaxabiso angcono kumafutha kunye nokutya okhethekileyo. Thenga ngobuninzi kwizinto osebenzisa ezininzi. Musa ukuthenga izinto ezipakishwe ngabanye. Thenga izinto ezinkulu kwaye uzipakishe. Nika ingqalelo kwixabiso leebhile kwiivenkile. Nangona uhlala usindisa ngokuthenga ngaphezulu, ubungakanani obukhulu obungasoloko bube buncinci. Sebenzisa amakhuphoni ukukunceda ugcine ukutya ngaphandle . Zisebenzise iinkqubo zokuphuhlisa amakhasimende rhoqo kwiindawo zakho zokutyela ozithandayo. Khangela iiphatha kwiivenkile kwiindawo ezifana ne-Groupon okanye i-Amazon Local ukuze uthole izaphulelo ezinkulu kwiindawo zokutya. Joyina co-op yokupheka. Uyakwazi ukupheka nokutshintshisa ukutya okanye uphenduke ukupheka ubusuku obuthile ngeveki. Ukutyelela umrhwebi wefama ukufumana amaqhinga angcono kumveliso. Ukuba uya kwindawo ekuthabathe indawo yokutya, kwaye idinga i-oda ezinkulu, unako ukugcina ngaphezulu. Makhe nje ngaba melwane okanye abahlobo bangena kwiingxaki kunye nawe. Faka imali kwifriji ukuze uthenge ukutya okungaphezulu kunye nefrizer yakho kunye nawe. Gwema ukuyothenga ngezinto ezili-2 okanye ezimbini ngexesha elide uhlala uphelele ngaphezulu kokuthenga okungafunekiyo. Zama iimpawu zokugcina ukuze ubone ukuba ungasindisa. Kuthatha ilingo kunye nephutha, kodwa kufuneka ukwazi ukufumana indawo ezinokukunceda ugcine imali. 02 20 Iindlela zokuLondoloza kwiiNyanga zakho zeeNyanga
Nciphise i-thermostat yakho ukuya kuma-degrees amahlanu ebusika uze uyiphakamise ngama-degrees amahlanu ehlobo ukugcina imali. Ubusika kwikhaya lakho ngokutywinqa iifrikhthi kwaye usebenzisa iplastiki kwiifestile zakho. Gquba umlambo wakho wamanzi kwindawo yokugcoba amanzi. Faka ifolda yesantya esezantsi ekhulayo kunye neyedwa yangasese ukugcina kwiindleko zamanzi. Khangela isicwangciso sefowuni esincinci. Cinga ukuthuthela kwiplani nganye ngenyanga, ingakumbi ukuba ungatshatanga. Cinga ukusika intambo kunye nokukhangela iindlela ezincinci okanye ezikhululekile ukukunceda ukuba ulondoloze ukuba uhlawula phi ikhebula. Faka i-thermostat enokucwangcisa ukugcina imali ngokufudumeza nokupholisa xa ungekho ekhaya. Ukuba uthengela izitsha zombane ziqwalasela iindleko zamandla kunye nokusetyenziswa. Cinga ukufaka iipaneli zelanga kunye nokukhangela izaphulelo kunye neenkqubo zoluntu ukukunceda ukuhlawula. Ukwandisa i-deductible yakho kwaye ubeke eceleni imali ukuyibeka xa uyenzayo. Thenga i-inshorensi entsha yonke iminyaka embalwa. Iinkampani zomshuwalense ziya kunika ixabiso elincinci kubabhalisi abasha. Sebenzisa izaphulelo ezikhoyo ngokusebenzisa imibutho yakho yobungcali, imibutho yabasebenzi kunye naziphi na iindlela onokufaneleka ukugcina kwiindleko zomshuwalense. Sebenzisa ababoneleli nge-intanethi kwi-inshurensi yakho yempilo. Fumana imvume ebhaliweyo phambi kokuba ube neenkqubo ezinkulu zempilo ezigqityiweyo. Jonga ubunzima bakho kwaye usebenzise rhoqo ukukunceda ukugcina kwiindleko zonyango ngoku nakwixesha elizayo. Cinga ukufumana umntu ohlala naye ukugcina imali kwirenti. Thengisa ikhaya lakho xa ulungele ukukunceda ukugcina kwiirhafu kunye nokwakha ubulungisa. Bhalisa kwiintlawulo ezizenzekelayo ukukhusela iimali zenyanga zokugqibela. Ukukhansela ubulungu bakho bokuzivocavoca kunye nokufunda emsebenzini ekhaya okanye ukuhamba ukugijima. Kukho imirhumo yokubhalwa kwemisebenzi eyenza ukukhetha okuncinci kokusebenza ekhaya. Okanye utshintshele kubulungu be-barebones gym ebiza kakhulu. Ukukhansela umgca wakho womhlaba ukuba unayo enye. 03 20 Iindlela zokuLondoloza kwiindleko zokuzonwabisa
Yiya kwilayibrari ukufumana iincwadi kunye namafilimu endaweni yokuthenga. Lindela kwaye ubukele i-movie ekhaya ukuze ugcine imali. Zisebenzise inkundla yokudlala iisesibini ukugcina imali kwiitikithi ze-movie. Cinga ngemidlalo yokuqasha oza kudlala kanye kuphela kunokuthenga. Yiya kumafilimu ekhululekile kwintla enikezelwa kwipaki yakho yedolophu. Nangona iidolophu zihlawulisa, ngokuqhelekileyo zithengwa ngakumbi kunokuba ziye kwibala lezemidlalo kwaye zinikeza isiganeko esingalibalekiyo. Ukutyelela imikhosi yasendaweni igqitywe ngumzi wakho okanye kwiidolophu ezikufuphi. Yiya kwiikonsathi zendawo zamahhala. Hamba ukuhamba. Sebenzisa ama-greenways asekuhlaleni kunye neendlela ezisemaphandleni ukuze uhlale usebenza kwaye ufumane into emnandi ukuyenza. Cwangcisa iholide yekhefu endaweni yeholide yokuphumla. Unokuhlala uceba uhambo lweenkampu ubuncinane, ngakumbi ukuba unayo yonke imoto. Cwangcisa ubusuku kunye nabahlobo endaweni yokuphuma. Dlala umdlalo webhodi. Fumana iindlela zokwenza imali ngezinto othanda ukuzenza. Ngale ndlela ungenza imali kwizinto ozithandayo. Unokwenza i-vlog malunga nemisebenzi yakho eyintandokazi okanye imidlalo yevidiyo okanye uthengise imveliso oyenzayo. Cinga. Thatha ixesha lokuhlala uphinde ujabulele ihlabathi elikujikelezayo. Ukutyelela ipaki okanye ulondolozo lwendalo ulondoloze okanye uhlale ngaphandle ngaphandle kwevolanda lakho elingemuva uze ucamngce. Yiya kwiwindow-shop. Kungonwaba ukuvakashela izitolo kwaye ujonge izinto ezahlukeneyo, kodwa oku kusebenza kuphela ukuba uyazi ukuba awuyi kunika isilingo ukuthenga into ethile. Lontiya . Kungaba mnandi kakhulu ukuvolontiya kwindawo yoluntu lwendawo, ukwakha amakhaya okanye njengoMzalwana Omkhulu okanye Udade Omkhulu. Le yindlela enhle yokudibana nabantu. Thatha iklasi yoluntu ukufunda isakhono esinokukunceda ugcine imali. Unokufuna ukuthatha iklasi yokupheka, ukuthunga okuyisiseko okanye iiklasi zokulungisa ngokuzilungisa. Zisebenzise izixhobo zokusela zamahhala ebusuku kwiiklabhu zakho ezizithandayo. Ukutyelela iminyuziyamu yamahhala kwindawo okanye xa uhamba. Cwangcisa ukuhlala apho ujabulela khona indawo. Sebenze ixesha lesahlulo kwibala lakho lendawo ukuze ufumane izaphulelo kwimicimbi yezemidlalo. 04 20 Iindlela zokusindisa kwiNtengiso
Yithenga kuphela izinto ezithengiswayo, ngakumbi izinto eziphathekayo kwiikiti. Zisebenzise nayiphi na isaphulelo somsebenzi onokuyenza. Sebenzisa amakhadi abathembekileyo kumakhasimende ukugcina imali kwaye ufumane amaphuzu ekuthengeni okongeziweyo. Yithengisa i-racks xa ufuna ukuthenga iimpahla. Lindela iiyure ezingamashumi amabini anesine nakuphi na ukuthengwa ngaphezulu kwe-$ 100.00 Thengisa ngemali kuphela ukukunceda ukuthintela i-overspending okanye usebenzisa ikhadi lakho lesikweletu. Cinga ukuchitha ngokukhawuleza zonke iinyanga ezimbalwa ukuyeka yonke imali engeyomfuneko nokubeka imali ebhankini yakho. Yazi umjikelezo wokuthengisa, ngoko uyazi ixesha elifanelekileyo lokuthenga yonke into. Cinga ukuthenga ezithengiswayo kwiivenkile kunye neevenkile ezithengisayo ukuze ugcine imali. Sebenzisa i-Craigslist okanye eBay ukufumana izaphulelo kwizinto. Bhalisa ukujongana namasayithi afana ne-Slick Iziko ukwenzela ukuba ukwaziswa ngamacebo amnandi kwizinto ozifunayo. Bhatala imali yonke into oyithengayo. Uya kusindisa ngokungasebenzisi iikhadi lakho lekredithi nokuhlawula umdla inyanga nganye. Musa ukuyithenga xa ugxininiswe okanye uphazamiseka njengendlela yokwenza uzive ungcono. Zizuze xa ufika phantsi kohlahlo lwabiwo lweeveki. Cwangcisa ukuthenga kwakho okukhulu uze ubeke imali uze uhlawule imali. Izinto ezinjengomabonwakude, ikhompyutha entsha kunye nefenitsha entsha yonke ifanelwe phantsi kweli candelo. Bhalisela ukubhalisa okuthumela izinto ozifunayo ngenyanga nganye kwikhaya lakho. Ezi zihlala zibiza kakhulu kwaye zigcina yakho ekungenayo kwivenkile. Yiya kuthengisa kwiivenkile zokuthengisa. I-Barter yeempahla kunye neenkonzo onokuzifuna ukuze ugcine imali. Landela ilizwi: "Yisebenzise, yenza okanye yenza ngaphandle." Qinisekisa ukuba uyayidinga loo nto ngaphambi kokuba uyithenge. Yenza uphando lwakho. Kukho amaxesha amaninzi xa kunengqiqo ukuthenga umgangatho kunokuncinci. Ngokukodwa xa uthengela izinto ezifuneka ukuhlala njengefenitshala okanye izixhobo. 05 20 Iindlela zokugcina imali kwiNdlela ophethe ngayo imali yakho
Misela uhlahlo lwabiwo-mali . Yeka ukuhlawula umdla kumakhadi wakho ekwereta. Sebenza ekuphumeni kwetyala ngokukhawuleza. Dlulisa iibhalansi zakho kumakhadi ekweretyana anomdla wenzalo ngelixa usebenza ekuphumeni kwetyala. Yenza inkokhelo yokuzenzekelayo okanye utshintshwe ukuze ufumane izaphulelo kwiirhafu zenzalo yakho yemboleko yemoto okanye umboleko wemali, nokuba uthetha ukutshintsha ibhanki. Yithengela imali yakho yemali ngemali yebhanki yendawo yakho okanye ibhanki ukuze ubone ukuba ungayigcina inomdla wakho wemali mboleko. Fumana i-akhawunti yokukhangela yamahhala engahlawulisi ukutshintshwa, ukusetyenziswa kwe-ATM okanye ukuhlawulwa kweendleko. Awunayo ikhadi lekhredithi elinomrhumo. Ukukhansela amakhadi esikwereti endala ahlawulwayo loo ntlawulo, kwaye kuphela ii-akhawunti ezintsha ezivulekileyo ukuba abahlawulanga imali yokugqibela. Musa ukuhlawula nayiphi na imali yokugqibela kwiakhawunti yakho. Qinisekisa ukuhlawula iindleko ngethuba. Hlela isikhumbuzo kwikhalenda yakho ukuqinisekisa ukuba uhlawula ngexesha. Ukulinganisela i-checkbook yakho . Oku kuya kukuthintela kwi-akhawunti yakho ye-overdrawing kwaye ulondoloze imali kwiindleko ze-overdraft kwaye uhlawule imali. Fumana inkqubo yohlahlo lwabiwo-mali esebenza kakuhle kuwe. Oku kunokusebenzisa ikheshi kwezinye iindidi okanye ukufumana insiza onokuyihlaziya ngokuhamba. Kungathatha uphando, kodwa oku kuya kwenza lula ukugcina imali kuba uya kukwazi ukuba unqamle ukuchitha. Se benzisa umdlalo womqeshi wakho wokugcina imali. Le mali ngokukhululekile unako ukubeka umhlalaphantsi. Sebenzisa imali kuphela. Oku kukukunamathela kwisabelomali sakho kuba uyazi ukuyeka ukuchitha xa uphuma. Abantu abaninzi bathambekele ekuhlawuleleni ngakumbi amaxabiso xa bephethe imali. Hlaziya umlinganiselo wakho wekhredithi ngokufumana ukuhlawula iintlawulo zakho kunye nokucima ityala lakho. Oku kungakugcina imali ngokunciphisa umlinganiselo wakho wenzala kwimali-mboleko enjenge-mortgage yakho. Gcina intlawulo ephantsi ukuze ungadingi ukuhlawula i-PMI kwimali yakho yokuthenga. Ukulungiswa kwemvume yakho ukwenzela ukuba ube nemali echanekileyo kwaye ufumane imali eyongezelelweyo kuwe kunyaka. Ukusekwa kweengxowa-mali yexakeka-mali ukuze ungadingi ukusebenzisa amakhadi akho ekwereta xa iindleko ezingalindelekanga zikhupha. Sebenzisa i-akhawunti yokugcina imali kwi-intanethi ukufumana ixabiso eliphezulu. Cinga ii-CD okanye ezinye izixhobo zokulondoloza ixesha lokugcina imali. Khusela ukugcinwa kwakho ukuze uqhubeke ukhula endaweni yokuchitha kuyo inyanga nganye. Yeka ukusebenzisa amakhadi akho ekhredithi ngokukodwa xa ungabakhokheli ngokupheleleyo inyanga nganye. Ukuba uhlawula ibhalansi yakho nyanga nganye, ukufumana imali emva koko kunokufanelekile, kodwa ukuba uyazi ukuba awuhlawuli imali yakho, ungazami ukufumana i-card reward.