Unenkcitho yebhajethi kunye nokuphuma kwemali kwaye unganakho ukugcina . Ungalungisa le meko ngeendlela ezimbalwa ezahlukeneyo.
Ukujongana nePhakheck yenyanga
Ukuba uhlawulwa ngenyanga, uya kugubungula ekuqaleni kwenyanga, kwaye unokutsalwa ngowokugqibela. Enye indlela yokujongana nalokhu kukuhlula uhlahlo lwabiwo-mali kwiimali zangeveki. Oku kusebenza kakuhle kwizinto zokutya kunye nezozonwabisa. Unokwenza oku ngokutshintshela imali kwiintlobo kwaye ube nemvulophu eyahlukeneyo nganye iveki.Iyakunceda ukuyibeka ukuba iindleko zakho ezifunekayo ekuqaleni kwenyanga xa uyazi ukuba uya kuba nemali yokuhlawula loo mabhili. . Ukuhlukanisa imali eseleyo kwimali nganye yeveki kunokukunceda ukulawula yonke into.
Ukujongana ne-Paycheck yenyanga
Ukuba uhlawulwa kabini ngenyanga okanye enye iveki, unakho amaxesha apho ungayenzeli phakathi kwama-paychecks, kunye namaxesha apho uninzi lwemali eyongezelelweyo.
Isisombululo salokhu kukubeka eceleni imali kwi-paycheck xa iindleko zakho zingekho ngenxa yokubambisa ngexesha lokuhlawula xa imali imisiwe. Oku kuthetha ukuba uzakubeka eceleni isiqingatha serenti yakho okanye inkokhelo yokubolekwa kwemali kunye nesiqingatha seendleko zakho zombuso. Oku kunokukunceda nakwizinto ngokubanzi. Ukuba uyazi ukuba uya kuchitha imali ukuba i-akhawunti ungayifaka ngokuzenzekelayo kwi-akhawunti yokulondoloza ukuze ungayiboni.
Ukulondoloza Imali Yenyanga
Esinye isisombululo kukugcina imali engenayo yenyanga kunye nokusebenzisa oko ukuhlawula iindleko kwinyanga ezayo. Oku kwenza kube lula ukwahlula imali yakho ngeveki, kwaye awuyi kushiywa uvakalelwa njengoluliwe, ngakumbi ukuba uyaphula iindidi zakho zokusetyenziswa kweentlobo zibe ziincinci. Indlela yemvulophu inokukunceda apha, kunye nebhajethi ebonisa ukuba uza kuchitha nini xa usenza. Unokufuna ukuthatha umsebenzi wesibini wesikhashana ukwenzela ukwenza oku okanye ungasebenzisa imali yakho yokubuyisela irhafu okanye ibhonasi ukuze ulondoloze imali ngokukhawuleza.
Khumbula uhlahlo lwabiwo lwakho ngumhlobo wakho
Zininzi zale ngxaki zingasombululwa kunye nesabelomali esilungileyo . Isicwangciso senkcitho osibekayo nyanga nganye siya kukuyeka ukuba uchithe kakhulu kwizicathulo ukuze ungadli i-Ramen noodle ngeveki ephelileyo nganye nyanga. Ukuba ulandelela inkcitho yakho kwaye unamathela kwisicwangciso sakho, kufuneka uzive ngaloo ndlela kwiintsuku ezimbalwa zokuqala kwenyanga njengoko wenza ezinsukwini ezimbalwa zokugqibela zemali. Ukuba utshintshile imisebenzi kwaye uhlawule imijikelezo, unokufumana ixesha elithile lolungiso njengoko usebenzise ishedyuli entsha. Nangona kunjalo, ukuba ulondoloze umvuzo wenyanga yakho kwaye unamathela kumda wakho webhajethi kufuneka ulungile.
Musa ukulibala iNgxowa-mali yakho yexesha elixakekileyo
Ndibhalela ngemali yongxamiseko yonke ixesha kuba ziyinye yezixhobo eziphambili zokukunceda ukuba unamathele kubhajethi yakho ngexesha leziganeko ezingalindelekanga. Kufuneka uqaphele ukuba awuqhubeki ukungena kwi-fund yakho yexakeka-mali ngenxa yokuba ungena kwiihlangu okanye ukutya. Kufuneka ukuba ubekho ngenxa yengxamiseko engxamisekileyo efana nokulungiswa kwemoto engxamisekileyo okanye uhambo olungalindelekanga esibhedlele. Oku kukuvumela ukuba uzuze ezo ndleko ngaphandle kokuchaphazela nakwezinye iindawo zebhajethi yakho. Xa usebenzisa i-fund yakho yengoxakeka, kubalulekile ukuyizalisa ngokukhawuleza njengoko unako. Oku kuthetha ukuba uya kuhlala ukulungele ukusingatha nayiphi na ntlekele. Oku kunokukunceda ukukhusela iingxaki zakho zemali .
Qinisekisa ukuba ayikho Imali Yemivuzo
Ukuba awukwazi ukwenza imali eyaneleyo, uya kuhlala uhlala kwi-paycheck ukuhlawula .
Uhlahlo lwabiwo-mali luyakunceda ukuba ubone ukuba wenza okwaneleyo ukufihla iindleko zakho, iindleko zokutya kunye neemfuno ezisisiseko. Ukuba awukwazi ukwenza iindleko zakho eziphambili, uzakufuna ukujongana nemiba yakho yengeniso ukwenzela ukuyeka ukuphuma kwemali. Oku kunokuthetha ukutshintsha imisebenzi okanye ukubuyela esikolweni ukuze ukwazi ukufumana umsebenzi ophezulu wokuhlawula. Kubalulekile ukuba uphumelele kwaye wenze utshintsho ngokukhawuleza ukuze ungaqhubeki ityala elongezelelweyo oluya kufuneka lihlawule.