Iingcebiso ezikhawulezayo zokumisela uhlahlo lwabiwo lweNtsapho namhlanje

by Apryl Duncan

Izinyathelo ezi-7 kwiSigqibo seMali seMandla

Qala ukuhlala kwisabelo-mali esikusebenzela wena nentsapho yakho. Yenza ukhetho lwemali olusempilweni ukuphelisa i-matyala, ukunciphisa iindleko, ukugcina imali kunye nokwelula i-paycheck ngaphandle kwenani le-crunching. Hlola ngokukhawuleza imeko yakho yezemali uze uqale ukugcina ngala macebiso alula ukuseka uhlahlo lwabiwo-mali namhlanje.

01 Yakha iBhajethi

Isinyathelo sokuqala sokuhlala kwisabelomali kukulandelela ingeniso yentsapho kunye neendleko . Hlanganisa zonke iindleko zakho, ama-stubs paycheck, isitatimenti sebhanki - yonke into enayo ebonisa imali ezayo okanye ephuma. Bhala ibhajethi yeflugal ukulawula imali yakho.

Xa uyaphila inyanga zonke ngaphandle kohlahlo lwabiwo-mali, uyadlulisela amathuba okuhlawula iindleko ezingadingekile kwaye ulondoloze imali. Imizuzu embalwa edluliselwe ukudala uhlahlo lwabiwo-mali ngoku unokugcina imali enkulu emva koko.

02 Misela iinjongo zemali

Ifoto © Tom Merton

Xa unenkinga enyangeni inyanga nje ukuhlawula iindleko, ukugcina imali kubonakala ngathi ngumgomo wexesha elide ongeke ufikelele. Ingaba ufuna ukugcina imali yengxowa yakho yekholejini okanye ungathanda ukukhawuleza imali yakho yokuthatha umhlalaphantsi, ukubeka iinjongo zemali kuyisinyathelo esibalulekileyo ekukhuseleni ikamva lakho losapho.

Musa ukuwahoxisa iinjongo zakho zexeshana. Iinjongo zakho zezemali ziquka ukunciphisa ngokukhawuleza kwiibhidi zesevisi, iibhola zeteksi kunye nezinye iindleko ezikugcina ukusindisa imali eninzi ngenyanga.

03 Phuma kwiTyala

Nangona ufumana ityala unokuziva unzima, ukulawula ityala lakho kulula xa ubeka iinjongo ezifezekileyo. Isicwangciso solawulo lwetyala singakhiwa kwisabelomali sakho ukuze uhlawule amakhadi akho ekweretheni, ukuthenga imali kunye nokuphelisa ityala lakho lonke.

Awukwazi ukuhlawula lonke ityala lakho namhlanje, kodwa unokwenza isicwangciso esilungileyo sokusebenzela ukuhlawula loo matyala. Uhlahlo lwabiwo-mali luyakubonisa apho imali yakho ichithwa ngamatyala aphezulu kunye neendleko ezingadingekile ukuze ukwazi ukubona apho imali yakho imele ihambe khona.

04 Yehlisa iRhafu yakho

Yeka ukwesaba umhla wokuhlawula umhla we-Aprili 15 ngamnye ngonyaka. I-tweaks elula iyanciphisa irhafu yakho kwaye yongeza imali kwintsapho yakho engezantsi.

Ukukhetha i-status status filing, ukufunda imithetho yangoku yerhafu kwiimali zentlawulo yabantwana, ukusebenzisa iitaliti zentlawulo yengane kunye nokunyamekela ukunyamekelwa kwabantwana kunye neendleko zonyango ezixhomekeke kuyo imbalwa emithethweni yerhafu omele uyiqaphele yonke inyanga xa ixesha lokufaka ifayile. Abantu baxhomekeke kwiirhafu rhoqo ngonyaka. Qinisekisa ukuba awuyi kukhulula kakhulu kuMalume Sam.

05 Isicwangciso seMali yezoNyango

Ukuxinezeleka kweengxaki zemali kunokubeka ubunzima kwiintsapho ezicebileyo. Ukusekwa kweengxowa-mali zexakeka-mali kukunceda ukhethe ukugcinwa kweendleko ezingalindelekanga.

Intshuwalense yobomi kunye nentando yokugqibela kunye nomyalelo unokukhusela intsapho yakho kwiinkathazo zemali ukuba kukho into eyenzekayo kuwe okanye iqabane lakho. Iintlawulo kunye noxolo lwengqondo yokuba nazo endaweni zidla ngokugqithiseleyo kwiindleko.

Ulawulo lwe-06 Ukuchitha imali kwi-Food

Sika iindleko zokusondeza intsapho yakho ngesabelomali sokutya esilungisiweyo. Gcina imali kwizinto zokutya kunye noluhlu lwezinto zokuthenga ezenzelwe iintsapho zakho. Uya kuhlala uyayazi into oyifunayo kwaye unokwazi ukuthengisa ukuthengiswa kwizinto ezisisiseko. Oku kugcina ikhishi lakho ligcinwe ngaphandle kokuhlawula ixabiso elipheleleyo.

Cinga nje ngaphandle kwevenkile ukuze ufumane imali engaphezulu. Abantwana badla amahhala amahhala kwiindawo zokutyela banokukhetha okukhethiweyo kwesabelomali okunika ikhefu ekhitshini ngaphandle kokucoca i-akhawunti yakho yasebhanki.

Uhlahlo lwabiwo-mali lwe-07

Iintsapho ezininzi zicinga ukuba iholide ngumsebenzi webhajethi ngokuzenzekelayo. Ukutshintsha iidola zakho zokuhamba kungenza ukuba uhambo lwakho lube yinyani, nangona kunjalo. Ngamanyathelo ambalwa amanyathelo, ungagcina imali kwiholide yakho ukuze wenze uhambo lokuhlaselwa luyingxenye yebhajethi yakho.

Ukuba ufumanisa uhlahlo lwabiwo-mali aluyi kuvumela intsapho yakho ukuba ihambe, cwangcisa ukuhlala okugcina wonke umntu esondele ekhaya kodwa unendawo yokuhamba kwimihla kunye nezinto ezonwabileyo ukulungelelanisa nayiphi na isabelomali.