Iindleko zokutya
Ukutya linye iqela apho kulula ukugweba ukuchitha imali ngenxa yokuba ukutya okulungileyo kuyimfuneko.
Nangona kunjalo, ukuba ungeze inani lemali oyichithayo ekudleni kwinyanga nganye unokumangaliswa ukuba ungakanani uchitha. Ukuba unentsapho enkulu, inokuthi ithathe inani elithile lebhajethi yakho. Nazi iindlela ezilishumi ongagcina ngazo kwiindleko zokutya nyanga nganye.
- Yeka ukutya ngaphandle. Zama ukucwangcisa kwaye ulungise isidlo sakho sakusihlwa ngaphambi kokuya emsebenzini ngoko kulula ukuyilungisa xa ufika ekhaya. Unokuzama ukufumana isidlo sasemini ukusuka ekhaya ukuze uncede ukugawula iindleko zokutya. Unokumangaliswa ukuba uninzi kangakanani xa uyeka ukutya ngaphandle .
- Cwangcisa imenyu yakho nganye ngeveki okanye ngenyanga. Ukucwangcisa imenyu kuyindlela ephezulu yokugcina imali kuba iyancipha kwinani leendlela zokuthenga ezithengayo. Kwakhona kunciphisa ukutya kwenkunkuma, kwaye kunceda xa usuke ukhathele kakhulu ukuba ungafumani ukuba uphike.
- Thengisa kwisitye esincinci. Unokumangaliswa ukuba ungalondoloza buninzi ngokuguqula izitolo zokutya. Nangona uphela kuphela ukuthenga izinto ezithile kwisitishi esaphuhlisa, uya kugcina ugcine imali.
- Thengisa i ntengiso . Unokujonga ukuthengiswa kweveki nganye kwaye uhlele imenyu yakho ejikelezileyo. Ukuba udala incwadi yentengo, ungagcina ngaphezulu. Incwadi yentengo iya kulandelela imijikelezo yokuthengisa ukuze ukwazi ixesha elincinci ukuthenga into nganye kunye naluphi ivenkile.
- Thenga ngobuninzi. Unokwahlula izinto kunye nomhlobo okanye ugcine izinto nfrizer yakho. Oku kunokukunceda ukugcina kwizinto ezininzi kwaye kuncede unqande.
Iindleko zokuzonwabisa
Kubalulekile ukuba ukwazi ukuphumla kunye nokungafihli, kodwa unokuchitha imali engakumbi kunokuba uzibonele kwiindleko zokuzonwabisa. Olu luhlu olubanzi, kwaye lungaba ngowokuqala omele usike xa uzama ukugcina imali. Nazi ezinye izicwangciso zokugcina kwiindleko zakho zokuzonwabisa.
- Khangela imikhosi yamahhala kunye neekhonsathi zomculo kwindawo yakho. Iidolophu ezininzi zinikela iziganeko ezingenakho ukuza kuzo mahhala okanye ngexabiso elincinci kwaye kuyindlela enhle yokuhlola nokufunda ngezinto ezintsha.
- Sika intambo kwikhebula. Thatha ixesha lokuthenga ngeenkonzo zethelevishini ezikusindisa imali. Kukho iintlobo zokuncedisa iinkonzo ezininzi ngaphantsi kwekhebula, kwaye unokumangaliswa ukuba ungalondoloza bunjani.
- Khetha indawo yokuhlala encinci . Zama ukugcina imali kwiholide yakho ngokumisa iinkampu okanye ukuqesha i-cabin ngokusebenzisa i-state okanye ipaki kazwelonke. Ngokuqhelekileyo oku kuncinci kunokuhlala ehotele.
- Zama ukuphuma ngaphambili kwimini . Ungagcina imali kwiifilimu, kwiivenkile nakwezinye iindawo ngokuhamba ngemini. Usenakho ixesha elide, kodwa imali yokonga ingongeza ngokukhawuleza.
- Cinga iinkonzo zenyanga zokubhaliselwa . Kukho iinkonzo ezikuvumela ukuba udlale umculo osasazekanga wokubhengeza, ubukele iividiyo okanye ufunde iincwadi ngexabiso eliphantsi kunokuba uchitha kwiCD entsha, i-movie, incwadi okanye umdlalo. Ukuba usebenzisa ezi zinto rhoqo, ungagcina ugcina imali eninzi ngenyanga.
IInshshu
Abantu abaninzi bacinga ukuba i-inshorensi yindleko ehleliweyo kwaye akukho nto ongayenza ukuze unciphise iindleko. Nangona kunjalo, kukho izinto onokuzenza ukuze unciphise i-premium yakho kwaye unako ukufumana ingxelo enkulu. Nazi iinqununu ezintlanu zokunceda iindleko zomshuwalense ziphantsi.
- Thenga i-inshorensi entsha yonke iminyaka embalwa . Iinkampani zomshuwalense zinikezela ngamanani aphantsi kunazo zonke kumakhasimende amatsha, kwaye ukuba uyingozi kwaye ithikithi likhululekile, unako ukubeka amanqaku amakhulu kwi-inshorensi yakho ngokuthenga ngeenxa zonke.
- Zisebenzise iingaphulelo. Unokufumana izaphulelo zomshuwalense kubambiswano lakho, umqeshi wakho okanye umbutho wezobugcisa. Zama ukufumana amacebo angcono okukhoyo ukuze ulondoloze kwipolisi yakho.
- Ukwandisa imali yakho. Ukuba uphakamisa imali yakho kwi-$ 1000, unako ukugcina ezininzi kwiipresimenti zenyanga. Qinisekisa ukugcina imali ukuze ube nakho xa uyayidinga.
- Zama umgaqo-nkqubo we-inshurensi yempilo ephezulu . Oku kunika i-premium yenyanga engaphantsi kwaye ngokukhawuleza kunikwa ingxelo ngokubanzi xa udibene ne-deductible yakho. Yenza i-akhawunti yokulondoloza impilo kunye nayo.
- Hlala kwintanethi yakho. Xa usebenzisa i-inshurensi yakho, unokunciphisa iindleko zakho zokuphuma kwi-intanethi okanye usebenze kunye neentengiso ezivunyiweyo okanye ababoneleli.
ZeZindlu
Izindlu ziyinxalenye enkulu yebhajethi yabantu abaninzi. Unokuthenga indlu ebiza kakhulu kwaye unokuphelisa indlu ehluphekileyo. Kwezinye iindawo zelizwe, unokugqibela ukuhlawula umyinge womvuzo wakho kwirente. Nazi ezinye iingcebiso zokukunceda ukugcina kwiindleko zakho zezindlu.
- Cinga ukufumana umntu ohlala naye . Nangona, unokuba ufuna ukuhlala ngokwakho, unako ukusindisa ezininzi ngokuqwalasela umntu ohlala naye okanye ezimbini ukugcina ezindleko zezindlu. Ungakwazi ukwahlula izixhobo zokunciphisa iindleko.
- Zama ukuhamba ekhaya. Oku kungenakulungeleka, kodwa ukuhlala ekhaya unyaka kunokukunika ithuba lokulondoloza inkokhelo okanye umsebenzi ekuphumeni kwetyala. Ukuba unokugxila kwiinjongo zakho, unako ukuhamba ngokukhawuleza kwaye wenze inkoliso yakho imeko.
- Khetha indawo enexabiso elibizayo . Indawo yindawo ebalulekileyo yerenti neendleko zezindlu. Ngokufaka imizuzu embalwa kwi-commute yakho, unokukwazi ukugcina imali ngenyanga.
- Cinga ukuthenga ikhaya . Kwezinye iindawo, unako ukugcina imali ngokuthenga endaweni yokuqeshisa. Ukongezelela, unokwakha ubulungisa kwikhaya lakho okanye i-condo ukwenzela ukuba ungene kwinqaku elincinci kwiminyaka embalwa.
- Khangela umsebenzi kwiindleko eziphantsi zokuphila zi . Ukufudukela kwindawo ethile ngexabiso eliphantsi lokuphila kunokuthetha ukuba akudingeki usebenze kangako. Kungathetha ixesha elide, kwaye ngokubhekiselele kuthetha ukuba unako ukufumana indlu enhle ngokwenene kakhulu. Ngokuqinisekileyo ukhetho olufanele uluqwalasele.
Zothutho
Enye indawo apho unokuchitha imali eninzi, kwaye awuqapheli ukuba unokunciphisa iindleko zokuthutha. Izindlela ozozigcina ziyakwazi ukuhluka ngokusekelwe apho uhlala khona kunye neendlela ozifumanayo.
- Zama i-carpool ukuze usebenze. Kukho iibhodi zamashishini ezikhoyo eziphantse zifumaneka malunga nesixeko esikhulu. Oku kunokunciphisa inani olihlawulayo yokupaka kunye negesi nganye ngosuku.
- Thatha uhambo lwezithuthi zoluntu ukuze usebenze . Ukuthatha ibhasi okanye umzila ongaphantsi komninimzi kunokukunika ixesha elide lokufunda okanye ukudibanisa nokunciphisa inani oyisebenzisayo.
- Bike okanye uhambe ukuya emsebenzini okanye kwiimpawu zakho . Oku kusebenzayo xa uhlala kwisixeko okanye kwindawo edibanelwe ukuba uhambe ngomhlobo. Yindlela enhle yokufumana umsebenzi wakho kwaye unganciphisa inani elifunekayo ukusebenzisa imoto yakho.
- Yeka ukugcina imoto ngokupheleleyo . Ukuba uhlala kwisixeko, unokufumana kunye nokusebenzisa izithuthi zikawonkewonke uze usebenzise u-Uber, iteksi okanye isabelo semoto xa ufuna imoto.
- Thenga imoto esetyenzisiweyo endaweni yemoto entsha. Oku kuya kukusindisa kwiindleko, ukuhla kwexabiso kunye neepresimesi zomshuwalense. Ukuba inkokhelo yakho yemoto ininzi ukucinga ukuthengisa imoto yakho nokuthenga into enokuhlawulekayo.
Zama umngeni weeveki ezingama-52 .