Unyaka omtsha ixesha elihle lokubeka iinjongo zemali . Nangona kunjalo, akuqhelekanga ukutshisa nokubuyela kwimikhwa yamandulo. Ezi njongo zenzelwe ukuba zifikelele ngokukhawuleza kwaye zinokukunceda ukuba utshintshe imali yakho. Kufuneka ukwazi ukugqiba ezi njongo kwinyanga yokuqala.
01 Londoloza i-$ 1,000 ye-Right Away
Enye yezinyathelo zokuqala zokulawula iimali zakho zemali kukubekwa bucala ngemali ngeengxamiseko. Inani elihle lokuqala li-$ 1,000 Unokumangaliswa ukuba ungalondoloza njani ngokukhawuleza loo mali . Zama iindlela ezibandakanya ukugcina ibhonasi okanye ukubuya kweerhafu. Unokunquma kwimali yokuzonwabisa yenyanga ukubeka kwisixa-mali, uthengise izinto ezithile kwi-intanethi okanye usebenze njenge-temp emva kokuthengisa kweeholide. Imali ifanele idibanise ngokukhawuleza kwaye ke unayo i-fund yexakeka. 02 Yakha iBhajethi yeNyanga
Enyanisweni, ukumisela uhlahlo lwabiwo-mali akufanele kuthathe ixesha elide. Nangona ungagqiba ukuzinamathela kwinyanga nganye, ufunda ubuninzi obwenziweyo, into ochithayo kunye nendlela odibanisa ngayo loo nto inokukunceda uqale ukwenza izigqibo ezingcono zezeveki nganye. Isabelomali isicwangciso sakho sokuchitha kwenyanga, kodwa sinokukunceda ukuba ubone iinkalo apho ufuna ukugxila khona, kwaye ukudala kuphela kunokukunceda ukuzisa ulwazi lwakho lwemali ongenalo ngaphambili. 03 Khwela phezulu kwiintlawulo ezihlawuleyo
Ukuhlawulwa kwexesha elide kunokubiza. Imirhumo yexesha elifutshane iyakongeza ngokukhawuleza kwaye kunokuba nzima ukufumana kwaye ufike phambili xa uwele emva. Yenza kube ngumgomo wokubamba ngoku , kwaye uya kuba ngcono kwixesha elizayo. Unokufumana imali eyongezelelweyo ngokusebenzisa umsebenzi owongezelelweyo okanye ukuthengisa izinto ezithile. Ungakwazi kwakhona ukuqhagamshelana neenkampani uze ubone ukuba ziya kuseka isicwangciso sokuhlawula ukuba ubanjwe ngaphaya kweenyanga ezimbalwa, oku kungenza inkqubo ilawulwe ngakumbi. Ukuba wenza inkokhelo yokholo olufanelekileyo, iinkampani azikwazi ukunika ingxelo kwiiqokelelo. 04 Ukuhlawula elinye iKhadi leMatyala okanye iBhili yezoNyango
Kubonakala kunzima ukucinga malunga nokuhlawula lonke ityala lakho. Oku kufuthi kuthatha inyanga okanye iminyaka. Endaweni nje khetha enye into ukuhlawula ngokukhawuleza. Khangela iintlawulo zakho ezincinci zenyanga ngenyanga uze ubone into onokuyenza ukuhlawula ubuncinane enye kule nyanga. Ukuba unekhadi lokuthenga ngetyala kunye ne-balance balance, okanye uhlawula iintlawulo zenyanga kwiphedlele, unokukwazi ukususa loo nto ngokulula. Unokuthatha loo mali kwaye uyisebenzise ekwakheni isikhwama sexakeka okanye kwenye ityala, kodwa uya kuphucula imeko yakho nje ngokucima amatyala ambalwa. 05 Gweba iindleko kwiBhilidi ezintathu
Zama ukufumana iindlela zokunciphisa umvuzo owuhlawula ngenyanga nganye ubuncinane kwiibhili zintathu . Indawo elula ukuqala yile ntlawulo yekhefu. Cinga ukusika intambo kunye nokuthuthela kwinkonzo onokuyisebenzisa kwi-intanethi. Kukho iindlela ezinokuhlawula imali engaphantsi kwekhebula okanye i-satellite kwaye abaninzi abanakho ukhetho lwenyanga nganye. Enye ibhilithi enokuqwalasela ukutshintsha ngababoneleli befowuni. Zithengela iiplani ezifanelekileyo kunye nezenzo. Ukuba okwangoku uvalelwe kwisivumelwano, kunokubakho inkontileka apho inkampani entsha iya kuthenga umnxeba wakho. Fumana iindlela zokunciphisa ukusetyenziswa kumbane wakho okanye ibhilidi yamanzi njengendlela yokugcina imali. 06 Ukudibanisa noMcwangcisi wezeMali
Ukumisela intlanganiso kunye nomcwangcisi wezemali akufanele kuthathe ixesha elide. Emva kokuba unayo intlanganiso, kufuneka ube nengcamango engcono yoluphi uhlobo lweenjongo ozifunayo ukuza kunye nezicwangciso zokukunceda uqale utyalo-mali. Kunokuba luncedo ukudibana nomcebisi wakho wezezimali okanye umcebisi kamva ngonyaka ukujonga iphothifoliyo yakho kwaye ubone ukuba ufuna ukutshintsha isicwangciso sakho sezemali njengoko iinjongo zakho zobomi zitshintsha kwaye ziguquka. 07 Vula i-IRA okanye Qalisa ukugalela kwi-401 yakho (k)
Enye injongo elula kukuqala ukugcina umhlalaphantsi ukuba awukho. Xhumana nommeli wakho wobuncedo ukuze ufunde oko kufuneka uyenze ukuqala ukufaka isandla kwi-401 yakho (k) . Qala ngokunikela kumdlalo womqeshi uze usebenze ukwandisa ngonyaka ngamnye. Ukuba awufaneleki kwisicwangciso somhlala-phantsi, cinga ukuvula i-IRA kwaye uqale ukugcina umhlalaphantsi apho. 08 Yiya kwi-Spending Fast
Ukuchitha imali ngokukhawuleza xa uyeka ukuchitha imali ngaphandle kwezinto ezibalulekileyo ezifana nokutya kunye negesi ixesha elithile. Ukusetyenziswa ngokukhawuleza kunokuncedisa ngokwenene ukuba uzama ukuchitha imichilo yamandulo okanye ufuna ukunyusa imali kwiziko lexakeka ngokukhawuleza. Khetha ngokukhawuleza ukuba ufuna ukuhamba ngokukhawuleza kangakanani, ngokuqhelekileyo ubuncinane inyanga enye, kwaye umise ukuchitha. Unokufumana ubuchule kwaye ufumane imisebenzi yamahhala yokwenza okanye uchithe ixesha ekhaya. Abantu abaninzi bakhetha uFebhuwari njengenyanga ukuba bazalise imali ngokukhawuleza, kuba kukufutshane, kodwa kunokwenziwa nanini na. 09 Gcwalisa i-inshorensi yokuHlola
Enye into ebalulekileyo yokwenza ngamnye unyaka yi-inshorensi. Inxalenye yokuqala yale nto iqinisekisa ukuba unesiqinisekiso esaneleyo se-inshurensi. Iimfuno zakho zitshintshile kunyaka ophelileyo, kwaye ngoko iimfuno zakho ze-inshorensi zingatshintsha kwakhona. Ukuba utshatile okanye unomntwana, kufuneka ukhangele ukungena kwinshuwalense yobomi. I-inshurensi yemoto kunye nekhaya iyakwazi ukunyuka kunyaka ngamnye nangona ungenayo ibango. Unako ukufumana amazinga angcono ngokutshintsha iinkampani. Thatha ixesha lokuthenga ngeenxa zonke uze ubone ukuba unokugcina imali kulo nyaka . 10 Yeka Ukusebenzisa Iikhadi Zakho Zemali
Enye injongo elula kukuzibophezela ukuyeka ukusebenzisa amakhadi akho ekhredithi ngokupheleleyo. Oku kukuvumela ukuba uhlawule ityala lakho kwaye uqale ukuqhubela phambili ngezimali zakho. Nangona konke okwenzayo kuqala ukuthengwa kwemali kumakhadi akho kulo nyaka, uya kuba ngcono ekupheleni konyaka. Cinga ukushiya amakhadi akho ekhredithi ekhaya. Ukuba isilingo esininzi nangaloo ndlela, ukuyiqhaqhayisa kwiqonga leqhwa ngokwenene kunokukunceda ukukhawuleza ukuthenga iimvakalelo kwaye ucinge malunga noko uchitha kwaye nini. Ungaphinda ufuna ukucima ulwazi lwekhadi olondoloziweyo kwiindawo zakho ezithandayo kwi-intanethi, ngoko kufuneka uyeke ucinge ngaphambi kokuba uthenge.