Funda indlela yokulungisa iimpazamo zangaphambili
Uhlahlo lwabiwo-mali
Unokuba neengxaki zohlahlo lwabiwo-mali xa uhlala usebenza ngemali ngaphambi kokuphela kwenyanga. Unokuphinde uthembele kumakhadi wakho ekwereta ukuze udibanise ngenyanga. Ungeke ube nombono omuhle wendawo apho imali yakho iya khona inyanga nganye. Ukuba ubheka izinto ozenzayo kwaye uyazibuza ukuba kutheni ungeke ukwazi ukufikelela kwimigangatho kunye nomvuzo omhle, mhlawumbi unomcimbi wobhajethi. Usenokuba nebhajethi ebhaliweyo ozama ukuyilandela inyanga nganye, kodwa ayibonakali isebenza. Le miqondiso ibonisa iingxaki zebhajethi.
Yakha iBhajethi
Ukuba awunayo ibhajethi, kufuneka uqale ngokudala enye . Indlela elula yokwenza oku kukujonga oko uchithe kwicandelo ngalinye ngenyanga kwaye wenze eso bhajethi esisisiseko. Xa udala uhlahlo lwabiwo-mali ufuna idola ngalinye libe nenendawo yokuya ukuze ungabi naluphi na umshiya xa usuphelile. Oku kuthetha ukuba imali oyifakayo ekulondolozeni isicwangciso njengenye yeendleko kwibhajethi yakho.
Isofthiwe yokulandelela uhlahlo lwabiwo-mali njengeYNAB okanye i-Mint inokukunceda ukuba ufumane iitotali ozisebenzisayo ngenyanga. Ukuba utshatile, kufuneka wenze oku kunye neqabane lakho.
Ukulandelela Ukusetyenziswa Kwakho kwaye Ulungelelanise Njengokuba Kuyimfuneko
Ukubhala phantsi uhlahlo lwabiwo-mali luyinxalenye elula kakhulu yohlahlo lwabiwo-mali. Umsebenzi wangempela kunye nempumelelo kuza xa uqala ukulandelela imali yakho kwaye uyilungise njengoko kuyimfuneko.
Ungasebenzisa isofthiwe yokulandelela uhlahlo lwabiwo - mali ngokukhawuleza xa uqhubeka uhlola ukuthengiselana ngalunye suku. Kananjalo unakho ukhetho lokutshintshela kwinkqubo yokuhlawula iimvulophu . Le nto ibhajethi-mali kuphela apho uhlawula imali kwiintlobo zakho njengezinto zokutya nokuzonwabisa. Ekuqaleni kwenyanga, uya kufaka imali oyibiweyo kwiimvulophu kwiqela ngalinye kwaye xa uchitha imali uyeka ukuchitha.
Isitshixo sokwenza umsebenzi wakho webhajethi uyaqonda ukuba iguquguqukayo. Unokuthatha imali ukusuka kwinqanaba kwaye ulisebenzise kwelinye iqela xa uthe wachitha imali. Ngokomzekelo, unokwenza i-splurge kwiikitikiti zekonsathi, kodwa ke kufuneka ulungelelanise ibhajethi yakho yokutya ukuze uhlawule eyongezelelweyo oye wachitha kwiqela lakho lokuzonwabisa. Ngokufanayo, ukuba uchithe kakhulu kwizinto zokutya, kufuneka ukhiphe kwelinye uhlobo.
Iintlanganiso zeBhajethi
Ukuba utshatile, iintlanganiso zebhajethi ziyimfuneko xa ufuna ukuphumelela ngemali. Uya kufuna ukuthetha rhoqo ngebhajethi kwaye ngubani ochithayo apho. Yilapho xa uhlahlo lwabiwo-mali luza kusebenza kakuhle ngenxa yokuba unokuyihlaziya xa uthengisa, kwaye kunokukukhusela ukuba ungaphaya kwe-overspending xa unemiqathango eyahlukeneyo.
Imiba yokuchitha
Uninzi lwabantu luneendawo apho bahlala bechitha imali. Ukuze uphumelele xa uhlahlo lwabiwo-mali, kufuneka ulungise ukuvuza kuhlahlo lwabiwo-mali kwaye ufumane iindlela zokujongana nale micimbi. Ukuba uyaphambuka xa usuka kuthengwa, zama ukukhawulela xa uhamba ufumane umntu oya kuhamba nawe ukukunceda ukuyeka ukuchitha xa ufikelele kumda wakho. Musa ukuthatha ikhadi lekhredithi kunye nawe xa uthengela. Ukuba uchitha imali eninzi kakhulu yokutya, uze wenze ukutya kwangaphambili, yenze isicwangciso semenyu kunye noluhlu lokutya. Kungakhathaliseki ukuba yiyiphi ingxaki, kukho isicwangciso ongasisebenzisa ukuncedisa ukunciphisa iindleko kwinqanaba lakho.
Iingxaki zeMatyala
Ityala elikhulu linokukhubazeka. Inciphisa into ongayenza ngayo ngemali yakho. Kungenokuba nzima ukufikelela kwimiphumo xa uqhuba umvuzo omhle kwaye ugcine iindleko zakho ubuncinci.
Kubalulekile ukujongana nemiba yakho yamatyala ngokukhawuleza kunokwenzeka ngenxa yokuba awuyi kukwazi ukufikelela kwimali ukuba uthetha imali eninzi.
Yenza isicwangciso sokuhlawula amatyala
Isinyathelo esibalulekileyo ekuphumeni kwetyala kukudala isicwangciso sokuhlawula ityala . Esi sicwangciso sinokukunceda ugxile kwimali eyongezelelweyo onayo kwiimali zakho ukuze uhlawule ngokukhawuleza. Qala ngokubeka uluhlu lwamatyala akho. Ungabalula ngokulandelelana kwinqanaba elincinci ukuya kwelona nqanaba eliphezulu okanye eliphezulu kunomlinganiselo wezinga eliphantsi. Lo ngumyalelo omele uhlawule amatyala kuwo. Emva kokuba uhlawule ityala lokuqala, uya kuthatha imali oya kuhlawula kuyo kwaye uyongeze kwiintlawulo ozenzayo kwitalente yesibini. Uya kuqhubekeka ukuhlawula imali ukuya kuthi uhlawule lonke ityala lakho.
Fumana iMali eyongezelelweyo ukuhlawula iziTyala zakho
Ukuba unokufumana imali eyongezelelweyo ukuhlawula amatyala akho , ungaqala ukuhamba phambili ngokukhawuleza. Unokuba ufuna ukucinga ngezinto zokuthengisa ongazisetyenzisanga ukuxhasa imali. Unokujonga kwakhona kwibhajethi yakho ngeendlela ezongezelelweyo zokugcina imali inyanga nganye. Ukuba unokubingelela ngokuphila kwakho ngexesha elincinane, unokumangaliswa ukuba ungakhokhela kangakanani kwi-ityala lakho. Enye inxaxheba kukuthatha umsebenzi wesibini ukwenzela ukukhawuleza isicwangciso sakho sokuhlawula ityala. Enyanisweni, kufuneka uqikelele ukudibanisa kwabo bonke abathathu ukuba unokwenene malunga nokutshatyalaliswa kwetyala lakho.
Yeka Ukuya Kwetyala Ngenyanga nganye
Akukho sikhundla ekusebenzeni ukuphuma kwetyala xa uqhubeka unetyala ngenyanga. Kubalulekile ukuyeka ukuya ematyaleni kwaye ukuyeka ukusebenzisa amakhadi akho ekhredithi ukuba ufuna ukuphuma kwetyala. Kungenxa yoko uhlahlo lwabiwo-mali lubaluleke kakhulu kuzo zonke iinkalo zempumelelo yakho yemali. Thatha ixesha ngoku ukuba uhlahlo lwabiwo-mali ukuze uyeke ukuthembela kumakhadi wakho ekwereta. Ukusekwa kweengxowa-mali zongxamiseko kunokukunceda ukuba uyeke ukusebenzisa amakhadi akho ekwereta xa iindleko ezingalindelekanga zivela.
Iingxaki zemboleko
Iingxaki zemboleko zingenza kube nzima ukuwuthatha umsebenzi, ukurenta indlu okanye ukuthenga ikhaya. Inokuchaphazela ixabiso lentengo kwimali-mboleko yakho yemoto kwaye ithintele kakubi imali yakho. Kubalulekile ukuqonda indlela i-credit card isebenza ngayo ukuze ukwazi ukuba kutheni umlinganiselo wakho wekredithi uphantsi kwaye uqale ukuwulungisa.
Yeka ukwenza iiNtlawulo zesikhashana
Iintlawulo zesikhashana kunye neemali ezindala zikwazi ukukhangela amanqaku akho okwekhredithi uze uyihlawule. Into yokuqala omele uyenze ngumsebenzi wokuba ubekho ngokukhoyo kwiintlawulo zakho zonke. Oku akufani nokubheja amatyala ahanjiswe kwiiqoqo. Ezi zinto zifana neentlawulo zakho zesevisi, amakhadi enkredithi kunye nerenti. Qiniseka ukuba uzisa ezi zikhoyo kwaye uzigcine zikhoyo. Ukuhlawula ngexesha nganye nyanga kunokunceda ukuphakamisa amanqaku akho.
Ukusebenzisa Uninzi lweNkxaso yakho ekhoyo
Enye ingxaki enokunciphisa amanqaku akho ekhredithi isondele kumda kwimigca yakho ebonakalayo yekhredithi njengemakhadi akho ekhredithi okanye mboleko yemali yasekhaya. Indlela yokulungisa le ngxaki kukuqala ukuhlawula amatyala akho. Eyona nto iphumelele kakhulu xa ugxininisa kwikhadi lekrediti ngexesha.
Oku kuya kwenza ukuba iintlawulo zakho zihambe ngokukhawuleza. Xa uphuma kwisikweletu, unokufuna ukuvala ikhadi ngalinye lekhredithi njengoko uhlawula, kodwa oku kunokwenyusa amanqaku akho. Kunoko, kufuneka uwashiye uvule uze uhlawule ityala lakho. Emva koko unokuqala ukuvala iakhawunti, kodwa kufuneka uhlale ushiya ikhadi lakho elidala livulekile kuba umlando wekredithi edeleyo unokunceda ukuphakamisa amanqaku akho.
Amatyala kwiiqoqo
Ukuba uneemali ezindala kwiikholeji, unokuhlala uhlawule la matyala . Xa uhlawula ityala, uhlawula ngaphantsi kwexesha elikhoyo, kwaye umbolekisi uya kuxolela lonke ityala. Unokwenza oku ngokuqhagamshelana nomboleki kwaye unikezele ukulungisa. Kufuneka uqale ngexabiso elincinane kwaye unikeze inkokhelo yesikhathi esisodwa.
Ungamniki umboleki-mali kwi-akhawunti yakho yokukhangela okanye uhlawule ifowuni. Endaweni yoko, thumela i-checksheet isheke ngeposi eqinisekisiweyo xa ufumene ileta ethi ukuba uhlawula imali evunyelweneyo ukuba ityala liya kuqwalaselwa ngokupheleleyo.
Kufuneka ugcine ikopi nganye yezinto ukuze usebenzise xa kukho umbuzo kamva. Xa uhlawula amatyala unembopheleleko yokuhlawula irhafu kwi-ityala elixolelwe. Kufuneka ucwangcise oku kwaye ubeke imali eceleni ukuze uhlawule irhafu. Ukongezelela, kufuneka udibanise ityala elinye ngexesha, ukuze ungaqali ukuqokelela iqoqo lonke ixesha.