Xa abantwana bakho bengasayi kuhlala ekhaya, izilwanyana ezingenanto zifumana iindlela ezininzi zokugcina imali. Iindleko ezininzi ezongezelelweyo zokukhulisa abantwana zizisa, kwiingubo kunye nokuzondla kubafundisi abazimeleyo, imisebenzi yangaphandle, iikholeji zemfundo kunye nezinye izinto, kwaye sekuyisikhathi sokuqala ukucinga ngawe kunye noko ufuna ukukwenza ngoku kunye nomhlalaphantsi nangaphezulu.
01 Nciphisa ikhaya lakho
Iindleko ezibalulekileyo kunoma yiphi na intsapho idla ngokuphindaphindiweyo kunokuba kungabi yintlawulo yemali okanye irenti yentlawulo. Ukuba ucinga ngokunciphisa umhlalaphantsi, akukho sizathu sokuba ungayicinga ngoku, ukuba usasebenza. Kulabo bafanelekile, kukho ukufumana ixesha elilodwa lokunikwa i-$ 250,000 emva kweminyaka yobudala engama-55, enokubangela ukunciphisa. Ukuba unayo ikhaya lakho, ezininzi zeendleko ezongezelelweyo - ukugcinwa kwezindlu, ukufudumeza okuphezulu kunye ne-c / i-b, iindleko kunye neenkonzo zokucoca kwindlu kunye nokugcinwa kwendawo yonke-kunokuncitshiswa okanye kupheliswe ngokupheleleyo.
02 IiNkonzo zeeNkonzo zeeNdlu
Ngaphandle kokuzama, mhlawumbi uya kuphawula ukunciphisa okuhle kwiindleko zakho zesebenzisi. Ngabantu abambalwa abahlala endlwini kwaye basebenzisa amagumbi okuhlambela, izixhobo, iiTV, ama-washhers kunye nabomisi kunye nezinye izinto ezininzi, iindleko zetyala ziya kuhla.
03 Ikhefu
Jonga ngokukhawuleza kwi-bill yakho yebhandi ngoku ukuba unesitora esingenanto. Ukuba awuyidingi imirhumo yeprayimm, ukhansele ukufikelela kubo kwaye ugcine imali enhle ngenyanga. Ukuba awubukeli umboniso omkhulu kumabonakude, faka i-Apple TV, i-Hulu okanye i-Netflix kwaye ukhansele ukufikelela kwekhebula ndawonye kunye. Ngaphandle kwenkonzo ye-intanethi ukuhlawula kunye neTV ezincinci endlwini, ungagcina ngaphezulu kwama-$ 200- $ 300 ngenyanga, kuxhomekeke kwinto oye uyihlawula kude kube ngoku.
04 Ukutya
Kuyacaca ukuba iindleko zakho zokutya ziza kuhla nabantu abambalwa ekhaya. Kodwa ngaphaya koko, awusayi kuphinda uthenge ukutya ongayidliyo okanye ukufunayo endlwini yakho kunye nezingane zakho. Iichips, ii-cookies, i-ayisikrimu kunye nezinye izinto ezifunyanwa ngokukhawuleza azifuneki, ngenxa yeyona nto ininzi. Eli lixesha elihle lokuvuselela ukutya kwakho kwaye ugxininise into ofuna ukuyidla andiyiyo into abafunayo abantwana bakho.
05 Ukutya
Njengeesters ezingenalutho, ukutya kudla ngokukhawuleza ngakumbi. Ukupheka amabini kunokuba ngumsebenzi osisigxina esithile, ngokukodwa kulabo abasebenza ngaphandle kwekhaya, kuncitshiswa ngokukodwa ngeendlela ezingabizi kwiindawo zokutya. Ukuba isebenza kunye neshedyuli yakho, ezininzi iindawo zinexesha elivuyayo leentsuku ezinokuba luncedo lwemali, kwaye kukho izaphulelo kwiindawo ezininzi zokutya, nazo. Njalo ucele kwiivenkile ukuba zinikela izaphulelo zabathengi abangama-50 kunye.
06 Auto Insurance
Xa abantwana bakho bebafundi beekholeji, unokufumana isaphulelo kwiinkampani ezininzi ze-inshorensi ukuba abaqhubiyo xa besesikolweni. Ukuba umfundi wakho ufumana amabakala amahle, oku kunokukunceda neendleko zee-premiums zomshuwalense. Ukuba unabantwana abakhulileyo abodwa kunye nolu cwangciso lwakho, akukho nto ephosakeleyo ngokucela ukuba bakhokhe ngeenyanga ngeendleko ze-inshurensi yabo.
07 Ukwandisa ukusindisa kwakho
Izilwanyana ezininzi ezingenalutho zixhala malunga nokuba nemali eyaneleyo yokukwazi ukuthatha umhlala-phantsi ngelinye ilanga kwixesha elizayo kungekude. Ukuba uye waphila kakuhle ngenkathi ukhulisa abantwana bakho, bala ukuba ungaphila inyanga nganye kunye nabo kunye nokwandisa imali okanye imali engama-401k xa kunokwenzeka. Gwema ukwenza nayiphi na into enkulu yokuthenga unyaka wokuqala okanye oko kungenazo izibonda ezingenalutho kwaye ubone imali engakanani ekufuneka uyibuyisele kwiityalo-mali okanye ukonga.
08 Uhambo olungakumbi ngeNcinci
Iindleko zentsapho ziyindleko enkulu enqunywe ngesiqingatha okanye ngaphezulu kwiisters ezingenanto. Ukuhamba kunye nosapho xa ukhulisa abantwana kuthetha ukulandelelana kwezihlandlo zeeholide zesikolo, kwaye inxalenye yazo zizona zihlandlo ezibiza kakhulu kwaye zixakeke ukuba zibe endleleni. Njengesihlwaya esingenalutho, ngoku unokuhamba ngexesha lexesha eliqhelekileyo xa amaxabiso amanani ahlala ephantsi, kunye neendleko zeendiza. Imibutho efana ne-AARP inikezela izaphulelo kwizinto ezivela kwiindawo zokuqashisa imoto ukuya ekuphumeni kwamalungu kunye nabahlali abakhulileyo, ngoko baxhamle.
09 Isicwangciso seNtsholongwane yeNtsholongwane
Xa abantwana bakho bexhasayo ngokwabo - kunye neentsapho zabo - iimfuno ze-inshorensi yakho yobomi kunokutshintsha kakhulu. Ukuphonononga kwakhona iindleko zakho zenyanga yomshuwalense wobomi kukuchasene noko kufuneka ufumane kwiintlawulo ze-inshorensi yakho. Ngokuxhomekeke kwimpilo yezimali zakho zokutshala imali kunye nokulondolozwa, awunakudinga inshorensi yobomi njengoko wenzayo xa ukulahlekelwa ngumvuzo wakho bekube ngumthwalo kumlingane wakho.
10 Fumana Umsebenzi wexesha loNyaka
Ukuba ngaba ungumzali wokuhlala ekhaya, kunokuba nzima ukufumana umsebenzi xa abantu bakho abaselula behamba ekhaya. Naliphi na ishishini obenalo xa ushiye abasebenzi ukuba ukhulise abantwana bakho, kungenzeka ukuba utshintshe ngokuphawulekayo ukususela ekuphumeni kwakho. Ingaba ufuna ingeniso eyongezelelweyo okanye umngeni omtsha, umsebenzi wexeshana indawo enokuqala. Vumela abahlobo kunye nabamelwane bazi ukuba uzingela into kwaye uqokelele kwakhona uphuhliso lwakho kunye nezakhono zakho namava akho akhankanywe endaweni yengxelo yakho yomsebenzi. Emva kokuba ufumene umsebenzi, faka yonke ingeniso yakho kwi-savings njengokungathi awusebenzi ngaso sonke isikhathi, kwaye ujonge ukukhula ngokukhawuleza.
Qala iBusiness Based Based Business
Ukuba unesakhono sokwenza okanye ukwenza into ethile - ukudibanisa, ukudweba, ukubhala, ukupheka, ukupheka, njl - ishishini elisekelwe ekhaya lingaba yindlela elula yokufumana imali engaphezulu ngaphandle kokuchitha iiveki okanye iinyanga-ukufuna umsebenzi. Hamba umntu ukuba adale iwebhusayithi kuwe kwaye uqalise. Sebenzisa amajelo asekuhlaleni ukuze ukhuthaze ishishini lakho kwaye ubuze abahlobo kunye nosapho ukuvumela wonke umntu azi ukuba ukhona kwaye unako izakhono abayidingayo. Kungathatha ixesha ukufumana izinto, kodwa inkqubo ingonwabile kwaye imnandi ngesimo esifanelekileyo.
Fumana Ulungelelaniso kwaye uthengise
Ukucoca ama-closets, abadwebi, ii-attics kunye neendawo eziphantsi komhlaba zihlala zifumana i-nester ezingenalutho ekugqibeleni zifumana ixesha lokuzenza xa abantwana bephuma ekhaya. Kunokwenzeka ukuba uza kufumana izinto ezibalulekileyo ongazifunayo okanye ozifunayo. Iingubo zeMyili, iimfolokhwe nezicathulo zingathengiswa kwiiwebhsayithi ezinikezelweyo, ngelixa ezinye izinto - i-china, isiliva, ubugcisa, izinto zokuhlobisa - zingabhaniswa kuthengiswa kwi-Ebay okanye kwezinye iindawo zokubuyisela. Khangela indlu yakho ngezinto ongekho mfuneko, ufuna okanye ungagcina, ukuba unqume ukunciphisa. Qiniseka ukuba ubuze abantwana bakho ngaphambi kokuba uthengise nantoni na!