Injongo enye yezemali eziqhelekileyo ilandela uhlahlo lwabiwo-mali . Uhlahlo lwabiwo-mali luyena nyathelo elisisiseko ekulawuleni ikusasa lakho lemali. Uhlahlo lwabiwo-mali lukunceda ukuba ufumene apho uchitha imali yakho kwaye wenze utshintsho olufunekayo ukwenzela ukuba uyeke ukunqumla. Kubalulekile ukuyeka ukwenza izizathu zokuba uhlahlo lwabiwo-mali kwaye uthathe ulawulo lweemali zakho ngoku.
Nazi iinjongo ezihlanu zokuhlawula ibhajethi ezivela kwisiseko esona sisisiseko kunzima kakhulu kwiingxelo zohlahlo lwabiwo-mali. Kungakhathaliseki ukuba yeyiphi isimboli sakho sebhajethi, ukuba ungayisebenzisa nje enye yalezi njongo kwibhajethi yakho kulo nyaka, uya kukwazi ukufeza iinjongo zakho zezimali ngokulula. Baya kukunceda ukuba ugweme nayiphi na ibhasi yebhajethi eyokunqanda ukufikelela kwiinjongo zakho. Ezi nyathelo zinokukunceda ukuba uthathe ulawulo lwezimali zakho.
01 Ukumisela nokulandela uhlahlo lwabiwo-mali
Xa ubeka uhlahlo lwabiwo-mali, kulula ukuqala ngokubeka ixabiso lakho lohlahlo lwabiwo-mali ngokusekelwe kumyinge weenyanga ezintathu zokugqibela zokuchitha. Uninzi lweenkqubo zokuhlawula imali luyakwazi ukungenisa ukuthengiswa kwangaphambili kwaye kukunceda ukuba ufikeleleke kuqikelelo olufunekayo kubhajethi yakho. Emva koko unokuqalisa ukwenza utshintsho emva kokuba unaloo mali yokuqala.
02 Ukulandelela Inkcitho Yakho Inyanga nganye
Le njongo elula yohlahlo lwabiwo-mali ibalulekile ukwenza uhlahlo lwabiwo-mali lusebenza kuwe. Ukuba ungazi apho uchitha imali yakho, kunzima ukutshintsha imikhwa yakho. Ukuba ungumgaqo-bhajethi, unokufuna ukuphinda ubuyeke le njongo ukubona ukuba kukho nayiphi na indawo ongayiphucula ngayo ngoku. Unokwenza okubanzi ngokujonga iindidi eziqhelekileyo okanye uthathe ithuba lokuluhlula kwiinqanaba ezincinci kwizigaba ezibanzi. Ngokomzekelo ujonge ibhajethi yakho yokutya, uchitha phi ukutya ngokulula okanye utywala okanye ukutya? Ungatshintsha loo mali ukuba ibe ngcono?
Ukuba udinga uncedo lokulandelela iindleko zakho kunye nenkcitho yakho, unokhetho olubini oluyisiseko. Unokuhamba kunye nenkqubo yokuhlawula iimvulophu apho usebenzise imali enkulu kwinkcitho yakho. Enye indlela yokusebenzisa isofthiwe eyakunceda ukuba ulandele oko uchithe ngalunye suku.
03 Ukulinganisela I-Checkbook Yakho Inyanga nganye
Le njongo ifaneleke ukulandelela iindleko zakho, kodwa inokukunceda ukukhusela iimpazamo eziqhelekileyo zeebhanki kunye neepreferensi ze-overdraft. Ungayiphula le nto kwiinjongo ezincinci ezifana nokugcinwa kwekhawunti yakho ibhalansi ubusuku bonke, kunye nokulinganisa kwintetho yakho inyanga nganye. Oku kunokuba yinkqubo elula ukuba unesabelo-mali / software.
Ukuba awulinganisi i-checkbook yakho okanye ibhalansi yakho kwibhankini nganye ngenyanga, awuyi kubamba naziphi na iimpazamo ebhanki eyenziwa nge-akhawunti yakho. Ikuvumela ukuba ubambe ukuba kukho iindleko zobuqhetseba. Oku akuthathi ixesha elide xa wenza njalo imihla okanye ngeveki.
04 Londoloza Imali Kwiingqapheli Zakho Zokuchitha
Ukuba unayo ibhajethi yokusebenza kwithuba elithile, ungafuna ukuthatha umngeni wokunciphisa imali yakho kwiindidi ezithile kwinyanga nganye. Khangela uhlahlo lwabiwo-mali ukucaca ukuba yeyiphi iindidi onokuyigcina imali engaphezulu. Abantu abaninzi banokufumana iindlela zokunciphisa ukutya kwabo, iintengiso kunye neendlela zokuhamba ngaphandle kwemigudu emininzi. Umngeni ukuba usebenzise ukunyusa ubuncinane ubuncinane kwiintlobo ezintathu. Kufuneka uphinde usethe uluhlu ukuze uhlawule iindleko ezingavumelekanga njengeendleko zokuya emtshatweni womhlobo .
Xa uzama ukugcina imali, kufuneka ube nobuchule. Nangona kunjalo, kubalulekile ukuba ungabi nciphisa kakhulu ukuchitha imali ngenxa yokuba le nto ingakwazi ukubuyisela kwaye ungagqiba ukuvuthela uhlahlo lwabiwo-mali ngenxa yokukhungatheka. Ngokucubungula kunye nokucwangcisa, unakho ukuhlalisa kwiindidi eziliqela ngaphandle kokuziva ngathi usika kakhulu.
05 Gcina iMali Engaphezulu Ngalo nyaka
Le njongo ibandakanya ukubeka imali engakumbi kwi-akhawunti yakho yokulondoloza kunokuba unyaka odlulileyo. Le njongo kufuneka usebenze emva kokuphuma kwetyala ngenxa yokuba ayinangqiqo ukugcina imali xa uhlawula imali ephezulu kunomvuzo. Le njongo inokufezwa ngeendlela eziliqela, kwaye unokuba ufuna ukubeka iinjongo ezithile malunga nokuthatha umhlalaphantsi wakho, i- fund yakho yexakeka , kunye nezinye iindidi zokulondoloza. Ukugcina okungaphezulu yindlela enye ongayithatha ngayo imali yakho .