Nazi izicwangciso ezili-10 zezimali ezifuneka kukunceda kungakhathaliseki ukuba imeko yakho yintoni.
Misela iBhajethi
Into yokuqala okufuneka uyenze kuyo kukuba kusekwe uhlahlo lwabiwo-mali . Ukuba uceba ukuya kwikholeji, kufuneka uhlanganise neendleko zakho zesikolo kwaye wenze uhlahlo lwabiwo-kholeji. Ukuba uceba ukwenza umsebenzi, kufuneka uqikelele ukuba kuya kuba yintoni ekuphumeni ngayo kwaye uninzi kangakanani omele ulondoloze idiphozithi kwihostela. Uya kufuneka kwakhona uhlahlo lwabiwo-mali ngezinto ezifana nezixhobo, iimpahla, ukutya nokuzonwabisa.
Ukubeka phambili kwakho imali
Uhlahlo lwabiwo-mali aluvumelekile ukuhambisa kwiinjongo zakho zemali . Kubalulekile ukubeka phambili iindleko zakho ukwenzela ukuba uqhubela phambili kwaye ungagcini nje ukugcina isimo salo. Yenza iinjongo zexesha elifutshane njengokugcina imali kwidilesi yakho yokuqala okanye ukugcina ukuhlawula kwintlawulo yemoto, kwaye qiniseka ukuba ubeka imali ngaphandle kwayo. Thatha ingqalelo kwiindleko zesikolo ezizayo kwaye qi ni sekise ukuba ulondoloze ngokwaneleyo ukugubungela abo.
Izibonelelo zakho kunye neengxowa-mboleko zabafundi azifihla zonke iikholeji zakho.
Sebenza ngokuseka iMali Yakho
Kubalulekile ukuseka i-credit yakho ngoku. Ukwenza iintlawulo ngexesha-mali yemali-mboleko yemoto okanye kwindlu yakho kunokukunceda wenze oku. Enye indlela yokwakha i-credit yakho usebenzisa ikhadi lekhredithi , kodwa ukuba uqhuba nje ukulinganisela ungagqiba ukuzilimaza ekuhambeni kwexesha.
Icandelo lokuseka i-credit card ukuqinisekisa ukuba awuyi kwenza nayiphi na impazamo ngetyala lakho. Qinisekisa ukuhlawula ibhalansi yekhadi lakho lesikweletu ngokupheleleyo inyanga nganye.
Cinga Ngomshuwalense
Xa usesikolweni esiphakeme, wawuse-inshorensi yempilo yabantwana kunye ne-inshurensi yemoto. Kubalulekile ukuba uqinisekise ukuba unesigxina esifanelekileyo emva kokuba uphumelele. Abazali bakho bazimisele ukukugcina kwi-inshorensi yabo yezempilo xa usesikolweni. Qiniseka ukuba ukhangele nabo ngaphambi kokuba ukhange i-inshorensi entsha yezempilo. Ngokufanayo, abazali bakho banokucwangcisa ukuba nawe kwi-inshurensi yemoto ngexesha uya esikolweni, kodwa awukwazi ukucinga ukuba baya kwenza oku. Ukongezelela, kufuneka uthenge i -inshurensi yomnini-mboleko ukufihla nayiphi na ubusela obuya kwenzeka kwindlu yakho.
Cwangcisa Ikusasa Lakho
Ukuba awuyi kudala isicwangciso-mali, amathuba kukuba awuyi kulungela xa ufuna ukuthatha inyathelo elilandelayo. Oku kunokuquka izinto ezifana nokuthenga imoto entsha, ukuthenga ikhaya okanye ukutshata. Nangona ezi ziganeko zivakala ngathi zikusasa elikude kakhulu, unokuqala ukuzicwangcisa ngoku. Ukubeka imali ecaleni ukuhlawula iintlawulo okanye iindleko zongeziweyo kuzakuvumela ukuba wenze izinto ozifunayo xa ulungele.
Ukuba ukholeji, unokuba ugxininise ngakumbi ekukhuseleni ityala lokubolekisa ngemali kwaye ungenakukhathazeka ngokugcina imali yentlawulo ekhaya. Nangona kunjalo, ukuba uya ngqo kumsebenzi, kufuneka uqale ukugcina ngoku. Yakha isicwangciso seminyaka emihlanu esiza kubonisa amanqanaba ofuna ukuwathatha kwiminyaka emihlanu ezayo.
Zi khusele
Iindleko ziya kuza ezingalindelekanga ukulungiswa kwemoto, okanye iindleko zonyango. Ukuba ngabazali bakho banokukunceda kwiikholeji, banokukulungele ukungena kulo nto, kodwa ekugqibeleni ujongene nale ndleko. Ingxowa-mali engxamisekileyo inokukunceda ukugubungela iindleko ezingalindelekanga uze uthathe uxinzelelo. Qala ngokugcina enye okanye ezimbini kwiholo okanye i-$ 2,000, ngoko unokuyakha umvuzo wonyaka njengoko usebenza kwezinye iinjongo zemali.
Yenza iziCwangciso zeKholeji
Ukugqiba iqondo lekholeji okanye ukuphishekela uqeqesho loqeqesho kungenza kube lula ukwenza imali. Ukuba awunakulungele ukuya ekolishi, kufuneka ukhangele ezinye iindlela zokuqeqesha okanye ucinge ukusebenzisa iikholeji ukuze ukwazi ukufumana umsebenzi omhle. Ukuba sele uceba ukwenza iikholejini, kufuneka uqalise uhlahlo lwabiwo-kholeji kwaye unqume ukuba uninzi kangakanani olufunekayo ukuze ufumane ukuxhasa iindleko zekholeji. Nangona abazali bakho bekunceda, kufuneka usebenze phezu kwehlobo ukugcina imali yeziganeko kunye nezinye izinto ezimnandi. Thatha isiluleko sokuboleka ngemali esikolweni ukuba ikholeji yakho inikezela ngokungundoqo ngoba iya kuba nefuthe kwikamva lakho lemali.
Cinga Ngomhlalaphantsi
Ukuba usebenza ixesha elipheleleyo, kufuneka ube negalelo kumhlalaphantsi. Ngokukhawuleza xa ufanelekile ukuba u- 401 womqeshi (k) uceba ukwenza umrhumo inyanga nganye. Oku kuza kuphuma kwi-paycheck ngokuzenzekelayo. Kungekudala uqala ukugcina, ngaphantsi uzakufuna ukufaka isandla ngamnye kunyaka. Ukuba awudingi ukudlala ufike emva kwexesha elilodwa, usenokuba nako ukuhlala phantsi. Unako ukufaka isandla kwi-IRA ukuba wenze ngaphezulu kwe-1,000 000 ngonyaka.
Ukulinganisela i-Checkbook yakho kunye nokusebenzisa i-Money Apps
Ukuthatha ixesha lokulinganisela i-checkbook nganye ngeveki kunokukunceda ukuba ugcine imali kwiimali ezingaphezulu kwee-overdraft. Kuya kukukunceda ukuba ugweme umonakalo onokuba nzima ukuwubuyisela emuva. Awukwazi ukuthemba i-ATM kwi-ATM ngoba ayibonakali yonke imali oye wachitha. Ukusebenzisa i-app ejongene nohlahlo lwabiwo-mali kunye nokulinganisa i-akhawunti yakho kunokukwenza kube lula ukulinganisela i-akhawunti yakho
Yiba Smart ngeMali Yakho
Qinisekisa ukuba wenza ukhetho lwemali olufanelekileyo xa uphumelela. Oku kubandakanya ukuhlawula iindleko zakho ngexesha, kwaye uvavanye ngokucophelela izigqibo ezifana nokuthatha ityala elongezelelweyo kwimoto okanye kumakhadi-mboleko. Ukuqala ngemimiselo eqinileyo yemali kuza kusekela isiseko esihle, kwaye endaweni yokuchitha iminyaka uzama ukubuyisela kwiimpazamo oza kuba zihamba phambili ngenxa yokukhetha kwakho okulungileyo.