Musa ukubuyisela imali yakho kwiThelevishini entsha
Xa unemali ezayo, kwaye yinto eninzi, inokuyilingeka kunye ne-splurge ukuze ithelevishini, inkqubo yokudlala okanye izicathulo ezintsha ozifunayo ngasese unyaka wonke. Le nto ayinayo impembelelo enemali engapheliyo. Ngokwenene, kuthetha ukuba uphonsa imali eninzi kwinto enye, xa ungasebenzisa imali ukukunceda ukuphucula umgangatho wakho wobomi.
Musa ukuGembula Nalo
Kungaba lula ukugembula xa ukubuyela kwakho kwentela kungena. Imali ongayilindele ukuba ibe nayo, kwaye ke kulula ukuba ulungele ukugembula nayo ukuze ufumane imali engakumbi ngokubuyisela. Uninzi lwabantu alubuyiseli imali abayichitha ngexesha lokugembula. Ngokuyisona ukuphosa imali yakho. Kungcono ukushiya imali yedwa.
Musa nje ukuyibeka kwiAkhawunti yakho yokuhlola
Ukuba ubeka nje imali kwi-akhawunti yakho yokutshekisha, unokugqiba ukuwuchitha kwinto ethile kuphela ukuba uqaphele ukuba usuchithe.
Xa kukho kwi-akhawunti yakho yokukhangela, kulula ukuyifumana isidlo esongezelelweyo okanye uhambo lokuthenga ngokukhawuleza kuba imali iyafumaneka kwi-akhawunti yakho. Ukuba awuqinisekanga ukuba wenzeni ngemali okwamanje, yibeke kwi-akhawunti yakho yokulondoloza ukuze ifumaneke xa ugqibe ukuyichitha.
Musa ukuyisebenzisa yonke into yabantwana bakho
Xa unabantwana, kunokusilingela ukunikezela imali eninzi kubantwana bakho bonke ukuze bakwazi ukuthenga okanye unokuthatha isigqibo sokuqhaqhayisa kwi-toy efuna ukuyenza.
Nangona kulungile ukuchitha imali kubo, ukuthenga wonke umntu i-fowuni entsha okanye ukubanika i-spree shopping enkulu akunakukunceda ufikelele kwiinjongo zakho. Ikwasekwa kwakhona ukukulindela nabantwana bakho kwaye ingaqala ukulindela ngaphezulu. Kubalulekile ukuba uxanduva kwaye unciphise imali oyisebenzisayo ukuba ulungele imeko yakho yemali yangoku.
Ungayisebenzisi njengentlawulo ephantsi kwiCar Ungeke ukwazi
Kuyakulinga ukusebenzisa imali yakho yokubuyisela ukukunceda ukuthenga imoto okanye isikebhe. Ngokuqhelekileyo kubangela ukuhlawulwa okukhulu kwezi zinto. Nangona kunjalo, ukuba unzima ukuphelisa inyanga nganye nyanga, akunakunceda ukubhalisela iintlawulo zenyanga zongezelelweyo. Kungakunceda ukuba ufanelekele imoto ongeke ukwazi ukuyithengisa. Ukuba ufuna imoto, khangela enye enokukwazi ukuhlawula ngayo kwiminyaka emithathu. Unokuzama ukuhlawula imoto ngenkokhelo kwaye usetyenzise ukubuyiselwa kwemali njengokuba uqala ukugcina imali yakho entsha.
Musa Ukuboleka Kulo
Ukuba uhamba kwisitoreji sokulungisa irhafu okanye ishishini, banokukunikezela ngemboleko yemboleko yokubuyisela imali okanye ukhetho olukhawulezayo lokubuyisela imali. Le mboleko inomyinge ophezulu kakhulu. Uya kufuneka uhlawule umrhumo wesicelo. Ngenketho yokufakela ngekhompyutheni kwaye ube nemali echanekileyo ngqo kwi-akhawunti yakho, ngokuqhelekileyo inani eliza kuthatha ukuba ufumane imali yakho ayikho ixesha elide kunokuba lithatha ukuze lifumane imvume yokubuyiselwa imali ngokukhawuleza.
Kwakhona kunokusindisa ekuhlawuleni imali ukuba imali yakho yokubuyiselwa imali ihluke kunokuba ikulindeleke.
Ungaqhubeki Uhambo lweMatyala
Kukulungele ukuhlawula amakhadi akho ekwerethi ngokubuyisela imali yakho yerhafu, kodwa akuyi kukunceda ukuba ugijime ukulinganisela kwekhadi lakho lesikweletu kwakhona kwiinyanga ezilandelayo. Qinisekisa ukuba ubeka i-fund yangaphandle, ngaphambi kokuba uhlawule iikrediti zakho. Emva koko xa uhlawula amakhadi akho, yeka ukuyisebenzisa. Musa ukuthwala amakhadi akho kunye nawe xa uthengela okanye wenze ezinye izinto. Oku kuya kukunceda uhlale ngaphandle kwetyala lekhadi lesikweletu. Ukulungiswa kweemali zakho zokubambelela ukwenzela ukuba ungafumani imali enkulu ngonyaka uya kunceda.
Nika Injongo
Xa ufumana imali yokubuyisela irhafu, kufuneka wenze isicwangciso sokuyisebenzisa. Oku kuthetha ukuba unokubeka enye ityala lakho okanye ukwakha i-fund yakho yengxamisekileyo . Ukuba uyifaka nje ebhankini, ngaphandle kwenjongo, uya kumangaliswa ukuba loo mali ingasasazeka njani ngokukhawuleza.
Thatha ixesha ngaphambi kokuba ufumane imali yakho kwaye unqume indlela engcono yokuyisebenzisa. Qinisekisa ukuba ufuna ukufikelela kwiibhili zakho okanye ukuba unenjongo ethile, njengokugcina imali yentlawulo, ufuna ukufikelela.
Yenza i-Splurge encinane
Kukulungele ukuqaqa kwaye ufumane into enhle. Ngokuqhelekileyo, zama ukukhawulela oku ukuya kuma-10 ekhulwini wembuyiselo yakho xa uzama ukuphuma kwetyala okanye iipesenti ezingama-20 ukuba ungekho phantsi kwaye usebenza kwezinye iinjongo. Qinisekisa indlela ofuna ukuyisebenzisa ngayo kwaye uthenge ngeenxa zonke ngexabiso elihle malunga nendlela ofuna ukuyisebenzisa ngayo. Oku kuya kwenza ininzi yemali kuyo yonke into oya kuthatha ukuyenza ngayo. Ukuba ufumana imali engu-3 000 yokubuyisela imali, uya kuba ne-$ 300 eyaneleyo kumabonakude omtsha okanye ngokuhamba ngeveki ukuya kwenye indawo. Kukho into eninzi yokwenza ngemali.
Thatha ixesha lokulungisa ii-Ashibelo zakho
Ukuba ufumana imali enkulu ngonyaka, kufuneka uhlengahlengele iifizi zakho zerhafu. I-IRS inomlinganiselo wokubala ongayisebenzisela ukucacisa inani elifanele ukulibiza kwiirhafu. Khangela ukujonga ukuba urhulumente wakho unokubala okufanayo ongayisebenzisa. Injongo yakho kufuneka ukuba ufumane i-$ 100 engemva. Ngale ndlela uza kuba nemali ethe xaxa ngenyanga leyo kukukunceda ufinyelele iinjongo zakho zemali ngokukhawuleza. Kubalulekile ukulungiswa kwemali oye wayigcina yonke loo nyaka njengoko imeko yakho iyatshintsha xa uqala ukwenza imali eninzi, uthenge ikhaya okanye unomntwana.