Iindlela ezili-15 zokugcina imali namhlanje

by UMiriam Caldwell

Uninzi lwabantu lufuna iindlela zokunciphisa imali yabo. Ukulondolozwa okuncinci kunokongeza , ngokukodwa xa ukwenza ngokuqhubekayo phezu kwexesha, kwaye ukwenza izinto ezininzi ngokukhawuleza kunokuthetha ukuba unako ukusindisa ngokubalulekileyo inyanga nganye . Ukukhawulela kwimikhwa emibi yezimali kungenza umehluko omkhulu. Unokwenza ezo zorhwebo zincinci zemali kukunceda ufinyelele iinjongo zakho zokulondoloza . Ukutshintsha le mihla elishumi elinesihlanu kunokukunceda uqale ukusindisa namhlanje.

01 Sondeza isidlo sasekhaya

Iindleko eziqhelekileyo zokutya ngaphandle kokutya okukhawulezayo zi malunga ne-7.00 zamaRandi, kwaye oko kukulinganiselwa okuphantsi. Ungadla ukusala okanye wenze isidlo sakho sasemini ekhaya, ngexabiso elilinganiselwa ngaphantsi kwama-2.00. Oko kwongeza kwi-$ 5.00 yokugcina namhlanje, kunye ne-$ 25.00 ngeveki okanye i-$ 100.00 ngenyanga. Ukulondolozwa kunokongeza. Ukuba udla ngaphandle kokutya okuphindaphindiweyo ngosuku, ungagcina ngaphezulu.

02 Yeqa i Latte

Ngamanye amaxesha inkobe yekhofi i-pick-me-up efanelekileyo ukuze ufumane usuku. Nangona ikhofi eyisiseko ayiyi kukukhupha, kwaye indleko ye-latte ingaba phakathi kwe-$ 2.00 ukuya kwi-2.00 yee-$, ukufumana enye imihla yonke unyaka wonke unokongeza. Brew ikhofi yakho ekhaya, kwaye ulondoloze i-lattes yokunyanga. Ungagcina ufike kwi $ 40.00 ngenyanga ngale ndlela. Iindleko ezincinci zingongeza ngokukhawuleza .

03 Ukuphonononga iziCwangciso zeSeli zakho

Ingaba uhamba kwaye uphawula iindleko okanye ungasebenzisi yonke idatha oyifunayo, unokukwazi ukugcina imali ngokuguqula isicwangciso sakho. Khangela izicwangciso ezibonelela ngumboneleli wakho kwaye ukhethe okulungileyo. Xa ufanelekela ukuphucula iifowuni yamahhala, ngokuqhelekileyo ithetha ukuba isivumelwano sakho siyakhuphuka. Khangela ukuba zeziphi ezinye iinketho ezikhoyo. Umzekelo IRiphablikhi yeN Wireless inikeza idatha engenamkhawulo kunye nezwi ngaphantsi kwe-$ 30.00 ngenyanga kwaye akukho mvumelwano.

04 Yeka ukuhlawula inzala

Yenza okubalulekayo ukuyeka ukusebenzisa amakhadi akho okwereta kwaye uhlawule ngokukhawuleza. Xa ungahlawulanga umdla, ungaqalisa ukutshala imali yakho kwaye uqale ukufumana umdla. Enye yezona ndlela ezilungileyo zokulondoloza kukuphepha ukuya kwiikolo.

05 Pheka ekhaya

Ukutya kanye ngeveki kungabi nto yokukhathazeka ngayo, kodwa ukuba uyakwenza njalo ngokuhlwa, iindleko zingenakongeza. Oku ngakumbi xa unabantwana okanye intsapho enkulu. Imikhwa oyibekayo kwiminyaka yakho i-20 iya kukulandela njengoko ukhula kwaye unabantwana. Ukuseka umgaqo apho udla khona ekhaya ixesha elininzi unokukugcina kusasa. Thatha ixesha lokucwangcisa imenyu uze uthengise ukuthengisa ukunyusa ukonga kwakho. Unokuzama kwakhona ezi ngcamango ezilishumi ukukunceda ukugawula kwiindleko zokutya .

06 Sebenzisa iiConpons

Kungase kubonakale kulula, kodwa amakhonkoni enye yeendlela ezilungileyo zokugcina imali ngokuqhubekayo. Unokwenza umzila ogqithiseleyo kunye neekononi zeklip , jonga kwi-intanethi zamakhuphoni uze uthenge iikhonkoni kunye nezentengiso ukwenzela ukwandisa ukonga kwakho. Abantu abakwenza oku basindisa kakhulu ukutya kwabo, kodwa amakhuphoni adlula phambili. Ungasebenzisa amakhuphoni kwiindawo zokudlela ezizithandayo nakwezinye iinkonzo. Hlola i-imeyile oyifumanayo kwaye ubhalisele iincwadi zeendaba kunye nenkqubo yokwethembeka kwiivenkile zakho ozithandayo ukuze uzuze kakuhle.

07 Thenga iNtshurensi entsha

Uyakwazi ukugcina imali kwimigaqo-yomshuwalense yemoto neyakho ekhaya ngokuthenga umthengisi omtsha minyaka yonke embalwa. Iinkampani zomshuwalense zinika amaxabiso abo aphezulu kumakhasimende atsha. Ukuba usanda kutshintsha ama-25 okanye uthabathe amathikiti ephuma kwimbali yakho kunyaka ophelileyo, unokukwazi ukugcina ngaphezulu. Unokufuna ukuba njengenkampani yakho yangoku ukuba ukhangele ukuba ufanelekile ukuya kumazinga aphantsi.

08 Zinike Isibonelelo

Beka bucala imali encinci yokuzonwabisa ukuchitha indlela ofuna ngayo inyanga nganye. Inani lixhomekeke kuhlahlo lwabiwo-mali, kodwa luyakwenza umehluko omkhulu ekukwazi ukufikelela kwiinjongo zakho zohlahlo lwabiwo-mali kwaye uhlale ucacile. Uhlahlo lwabiwo-mali luza kukunceda ulondoloze imali, kuba ivumela ezinye i-splurges kwaye ikuvimbela ukusuka kwi-overspending.

09 Zama iiBhanki zeSitolo

Enye yeendlela zokulondoloza kwivenkile okanye kwizinto zasendlini ngokuzama iimveliso zorhwebo. Kufuneka ihlale yindlela yokulinga kunye nephutha. Andicebisi ukuthenga amabhokisi amabini angama-cereal ngaphambi kokuba uzame enye. Ezinye iimpawu zorhwebo zibhetele kunezinye kwaye umgangatho ungahluka ukusuka kwento ukuya kwento. Ngokomzekelo, unokufumana iimpahla ezinamathanga aphezulu, kodwa ukuba i-mayonnaise ayikho. Enye indlela yokusindisa kukuba uzimisele ukutshintsha iimpawu ngeekononi.

10 Ungaze uhlawule ixabiso elipheleleyo

Yenza injongo yokuba ungalokothi uhlawule ixabiso elipheleleyo kwizinto ezinkulu zetiketi. Kwimfundiso ungayisebenzisa le nto kwizinto ezininzi kubandakanya ukutya kwakho, kodwa kufuneka ube yinto efunekayo kwizinto zakho ezinkulu zetikiti ezifana nefenitshala, i-electronics kunye nezambatho. Unokugcina imali ngokufunda umjikelezo wokuthengisa kwaye ulindele ukuthenga uze ufumane ixabiso olifunayo.

11 Thenga kwi-Intanethi

Xa uhamba ukuyothenga, thabatha ifowuni yakho efanelekileyo kwaye uphinde uhlole amaxabiso athengisa abathengisi be-intanethi. Unokwazi ukugcina ezininzi ngokuthenga i-intanethi. Khangela kwiivenkile ezinikezela ukuthunyelwa kwamahhala kuma-oda ukuze ufumane iindawo ezifanelekileyo.

12 Thatha inzuzo yezoLonwabo

Iidolophini ezininzi kunye needolophu zinikela ngokuzonwabisa ngokukhululekile kwihlobo okanye ngamathuba okuzonwabisa ngezinto ezincinci. Ezinye izinto onokuzijonga zibandakanya iifilimu eziphuma emanzini, amakhonsathi amahhala kunye nemikhosi.

13 Cima ikhenkethi

Yiloo nto ndihlala ndiyinyusa. Nge-Netflix, i-Hulu kunye nezinye iindlela zokuhambisa, akukho mfuneko yokuchitha imali eninzi kumabonwakude nyanga zonke. Ukuba uhlahlo lwabiwo-mali luqinile, cinga ukutshintshela kwisevisi yokusasaza.

14 Hlala uphilile

Ngeemfuno ze- inshorensi entsha zempilo ezininzi zaseMerika ngoku zinomshuwalense wezempilo. I-inshurensi ye-heath ifanele ifake i-free year ngokomzimba, kwaye yinto efanelekileyo ukungena kwaye uqinisekise ukuba uphilile. Ukongezelela, ukuba uyagula, tyelela ugqirha kungekudala. Ukubanda ukubandayo ngaphambi kokuba kube yiphemoniya kungakusindisa imali, kunye neentsuku zomsebenzi. Ukongeza ukukhetha ukutya okunempilo nokusebenzisa rhoqo kunokuncedisa ukunciphisa ithuba lokukhathazeka kwezempilo ngenxa yokugqithisa.

15 Hlela Ukutshintshwa okuzenzekelayo kwiSondlo

Beka injongo malunga nokuba ufuna ukugcina ixesha elilodwa lokuhlawula kwaye usethe ukutshintshwa ngokuzenzekelayo ukwenza oko kwenzeke. Inzuzo yale nto kukuba awuphuthelwa yimali eshukunyiswa ngokuzenzekelayo kwi-akhawunti yakho, kwaye akudingeki ucinge malunga nokulondoloza inyanga nganye. Kuya kwenzeka nje.