Iindlela ezili-9 Uzazisabisa ngeeMali zakho kunye nendlela yokuma

Abantu abaninzi banokugxotha imeko yabo yezezimali ngaphandle kokuyiqonda. Basenokugxininisa kwimiba emibini, njengomsebenzi wabo, ukuba bayayigxina ezinye iindawo zabo zezimali. Basenokuba noloyiko lokujongana nezinto ezifuneka ukuba zitshintshwe, okanye phantsi kwengcamango yokuba izinto ziya kusebenza xa ziqhubeka zisebenza nzima. Inyaniso kukuba ngaphandle kwemigudu nokwenza utshintsho olwenziwa ngamabomu, awuyi kutshintsha imeko yakho yezemali. Funda ukuba uchitha isabelo sakho semali kunye nezindlela onokumisa ngazo.

  • 01 Ukuhluleka Ukunikela Ngomhlalaphansi

    Nangona unganakukhathazeka okanye ukhathazeke ngoku, kwikamva, uya kulwa xa ungancedi umhlalaphantsi. Ngokukhawuleza uqala, ngaphantsi uzakufuna ukukhathazeka. Kuya kuza ixesha apho iakhawunti yakho yomhlala-phantsi iqala ukufumana enye inyanga nganye kunokuba uncedise kwaye ke ukugcina kwakho kuya kuqala ukukhula. Awufuni ukuxhomekeka kuKhuselo loLuntu, kuba akucaci ukuba inkqubo iya kusebenza njani kwixesha elizayo.

    Amanyathelo okuSebenza:

    • Qala ugalelo kumdlalo womqashi wakho ngokukhawuleza xa ufanelekile. Thetha kummeli wakho wobuncedo ukuze ufumane xa unako. Ukuba uqeshwe okanye awuvumelekanga ukuvula i-IRA okanye enye i-akhawunti yomhlala phantsi .
    • Unyaka ngamnye pha kamisa ipesenti ofaka isandla phambi kwakho ukuya kwi-15 ekhulwini yengeniso yakho. Uyakwazi ukulungelelanisa njengoko ufumana ukuphakama ukuze ungabi ngathi ulahlekelwa nantoni na.

  • 02 Ukusebenzisa iKhadi lakho leKhadi kunye nokuThatyathwa kweMali

    Ngaphandle kokuba unako ukuhlawula ikhadi lakho lekredithi ngokugcwele inyanga nganye, kungcono ukuba ungasebenzisi ikhadi lakho lekredit. Ibhalansi yakho yekhadi lesikweletu iya kuphakama ngokukhawuleza kunye nemfuno encinci yokuhlawula kude kube yinto enokuyilungisa ukwenza iintlawulo. Unika ikusasa lakho lemali xa uphethe ibhalansi yekhadi lesikweletu. Kubalulekile ukuqaphela indlela oku kungonakalisa ngayo le nto, kuba ityala liya kuguqa.

    Amanyathelo okuSebenza:

    • Shiya amakhadi akho ekwereta ekhaya. Ukuba awunayo nawe xa usuka kuthengwa, awuyi kuhendelwa ukuba uyisebenzise.
    • Yenza icebo lokuhlawula amakhadi ekweretyana ngokukhawuleza. Oku kuthetha ukunciphisa iindleko zakho, ukubeka uhlahlo lwabiwo-mali nokubeka imali eyongezelelweyo kwinqanaba lakho ngenyanga.

  • 03 Akukho Ngxowa-mali eNgxamisekileyo

    Ingxowa-mali engxamisekileyo ifana neengubo zokuphepha. Uziva ukhuselekile xa unayo, kodwa inokukhusela ukuze uqhubeke uhlawula iibhilikhwe zakho xa ihlelwe yintlekele. Oku kungathatha uxinzelelo ekubambeni ukulungiswa kwemoto okanye ukulahlekelwa ngumsebenzi. Ingxowa yakho yexakeka-mali ikhona apho ngoko akudingeki ukuba uthembele kwikhadi lekhredithi kule meko.

    Amanyathelo okuSebenza:

    • Qala ukubeka imali engaphezulu kwi-akhawunti yokulondoloza inyanga nganye. Yakha kwi $ 1000 ngaphambi kokuba ugxininise ekuphumeni kwetyala.
    • Emva kokuba ungekho ityala londoloza iindleko zonyaka. Oku kuya kukugubungela phantse yonke into engxamisekileyo kuquka ukulahlekelwa ngumsebenzi okanye ugula olubi apho ungeke usebenze khona.

  • 04 Akukho mali

    Ukuba ufuna ukufezekisa iinjongo ezifana nokuvula ishishini, ukuthenga ikhaya okanye ukuphupha iholide, ufuna ngokwenene ukugcina ukwenza oko kwenzeke. Ukuba awusebenzi rhoqo ukwakha i-akhawunti yakho yokulondoloza, kufuneka uqale. Kubalulekile ukuba ube nomkhwa oqinileyo wokugcina imali kwindawo ukuze ukwazi ukwenza uqobo lwalo kwikamva lakho. Oku kuya kwenza kube lula ukuqala ukwakha ubutyebi .

    Amanyathelo okuSebenza:

    • Qala ngokuzama ukugcina i-$ 20.00 nganye ngeveki oyifaka kwi-akhawunti yakho yokugcina.
    • Ukwandisa imali oyilondolozayo ngokujonga iindleko zakho zenyanga kunye ne-inshurensi yolwazi ukuze ubone ukuba ungayigcina imali eyongezelelweyo ngokutshintsha ababoneleli.
    • I-Shop yokuthengisa kunye nokucwangcisa kwangaphambili ukuthenga kwakho ukuze ufumane amaxabiso aphantsi kakhulu.

  • 05 Akukho ziNjongo

    Ukuba awunayo injongo, awukwazi oko usebenzayo. Kufana nokuhamba uhambo olungenawo ndawo engqondweni. Unokuzulazula, ujonge, kodwa awuzalisekisi injongo ethile. Ngaphandle kweenjongo zemali, awukwazi ukuqhubeka nokuqhubela phambili nokufezekisa izinto ezifana nokuthenga ikhaya, okanye ukuhlala phantsi xa ufuna.

    Isinyathelo Isinyathelo:

    • Yakha isicwangciso semali uze useke zombini ixesha elide kunye nexesha elifutshane. Iinjongo zinokuba izinto ezifana nokuphuma kwetyala, ukugcina ingxowa-mali yongxamiseko okanye ukuthenga ikhaya. Kufuneka zibandakanya iinjongo zexesha elide ezifana nokuhlawulela imfundo yekholeji yabantwana kunye nokuthatha umhlalaphantsi. Phula iinjongo ukuya kumanyathelo amancinci onokuqala ukuthatha namhlanje.
    • Thetha kumcebisi wezemali, xa ungekho matyala, kwaye unqume ukuba uluphi uhlobo lotyalo olufunekayo ukuze ufikelele kuzo.
    • Lungisa iinjongo nganye kwiminyaka embalwa ukuqinisekisa ukuba uhlala kumkhondo.

  • 06 Akukho bhajethi

    Uhlahlo lwabiwo-mali luyakubonakala lufana nomsebenzi omningi, okanye unokukhungatheka ngenxa yokuba ungabonakali unayo imali eyaneleyo. Kungenwabheka uhlahlo lwabiwo-mali xa uhlala uxhalabile ukuba ngaba uya kukwazi ukufikelela kwiziphumo. Kusebenza kubhajethi, kodwa ibeka isicwangciso. Uhlahlo lwabiwo-mali luyakuvumela ukuba usebenzise imali ngokuphambili kunye nokuba ubeka eceleni imali ngenyanga nganye ukufikelela kwiinjongo zakho zemali. Enye yezona zinto zibaluleke kakhulu omele ukwenze ukuba ufuna ukutshintsha ikusasa lakho lemali.

    Amanyathelo okuSebenza:

  • 07 Ukuhlala kwi-Job Job Low

    Umsebenzi ombi uphezulu kunokuba akukho msebenzi? Kusenokwenzeka ukuba uthathe umsebenzi ophantsi ohlawula emva kokugqweswa kwiikholejini ukuba ufumane amava okanye ngenxa yemarike yomsebenzi onzima. Nangona kunjalo, ukuhlala ungaphantsi kwaye ungenzi ngokwaneleyo kungonakalisa imali yakho kwixesha elizayo. Ingakwazi ukunciphisa amandla akho okufumana, kwaye unokuba uthembela kumakhadi-mboleko ukuze ufumane. Kubalulekile ukuqala ukukhangela umsebenzi ohlawule ngakumbi ngoku.

    Amanyathelo okuSebenza:

    • Qala ukukhangela imisebenzi engcono ehlawulayo kwinkampani yakho okanye kwintlangano entsha.
    • Sebenzisa iiprogram zokubuyisela iifundo xa ufuna ukufumana izakhono ezongezelelweyo ukuze ufumane umsebenzi ohlawule ngakumbi.
    • Yakha uhlahlo lwabiwo-mali ukuze ungathembeli kwiikhadi lakho lekredari kwaye ucinge ngokuthatha umsebenzi wesibini ukukunceda ufezekise.

  • 08 Ukunyuka

    Ukuba uhlala ungaphezulu kwezimali, uyayeka ukufikelela kwiinjongo zakho zemali. Unokuthi uqokelele ityala, ingakumbi ukuba awuyikunyamekela oko uchithayo kwaye nini. Kunokuba nzima ukutshintsha le mkhwa, ngakumbi ukuba awulandelelwanga yakho imali ngohlahlo lwabiwo-mali.

    Amanyathelo okuSebenza:

    • Shintsha utshintshe kuphela kwiinkalo zakho zenkcitho.
    • Funa uncedo ukuba ngaba unenxaki yokuchitha imali kwaye awubonakali ukuyeka. Kukho amaqela enkxaso kunye nokucebisa okukhoyo ukukunceda ukwenza oku kulula ukwenza.

  • 09 Iimpawu ezimbi

    Imikhwa yakho embi ingabiza kwaye ibiza imali enokuyisebenzisa ukufikelela kwiinjongo zakho. Iicigarettes, utywala, ukugembula kunye nokuthengwa kwezinto ezinyanzelisayo kungakunqumla iindleko kwaye kwenze kube nzima ukufikelela kwimigangatho okanye ukufikelela kwiinjongo zakho. Nangona uvakalelwa kukuba unako ukufumana le mikhwa okanye awufuni ukuyeka, kubalulekile ukuqwalasela ukuba ngaba ayifanele ukuhlawula ngemali ukwenzela ukuba uqhubeke wenza.

    Amanyathelo okuSebenza:

    • Khetha umkhuba omnye wokuyeka le nyanga. Khangela uncedo ukuba uyazi ukuba uya kuba nexesha elinzima kuba utywala.
    • Beka bucala imali kubhajethi yakho ukulungiselela le migaqo. Zama ukunciphisa inani oyichithayo nganye kwiveki nganye. Yenza umkhuba ngamnye udidi lwakhe. Oku kunokukunceda ubone indlela

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