Ukunyamekela ukuhlawula amatyala akho? Ukuqwalasela le miSebenzi encedisayo.
Uninzi lwabantu luya kukuxelela ukuba ukuze uhlawule ityala, kufuneka ube yintloko yakho.
"Phonsa yonke imali yakho eyongezelelweyo kwibhatyala lakho," baya kuthi. "Kuya kufuneka uzincame kwangoku, kodwa kuya kulungela."
Zama ukuxelela loo mntu (mhlawumbi nawe) onamaqela angaphezu kwamathandathu egameni lawo - ngaphandle kokubambisa imali.
Olu luhambo olude. Ngaba kunengqondo ukuba wonke umntu angakwazi ukuyeka "izinto ezingadingekile" ebomini babo iminyaka emi-5 ukuya kwe-10 ngelixa behlawula ityala?
Okubi, ngaba kunengqiqo ukucinga ukuba kufuneka babeke izicwangciso zabo zobomi kubambe ixesha elide?
Mhlawumbi akunjalo.
Abanye abantu banokuthi baqhube kumgca wokugqibela, kodwa abaninzi abantu bayazuza ngokuthatha indlela elula. Yiloo nto esiza kuphawula apha, kuba ukuhlawulwa kwetyala akufanele uve ngathi isigwebo sento.
Nazi iintlobo ezi-7 zokuphumelela onokuzihlakulela ukuhlawula ityala lakho ngaphandle kokwenza imihla ngemihla.
01 Uhlahlo lwabiwo lweeNtlawulo zeMatyala
Inombolo enye iphutha abaninzi abantu abayenzayo xa bezama ukuhlawula amatyala abo akuyi-bhajethi kwiintlawulo zabo zenyanga. Yilwayo-mali, kodwa ayikho into efanayo kunye ne-bill bill yakho, ngoko ke awuyiphatheli.
Kufuneke u! Kufuneka njalo nyanga kwaye ubhekana nemiphumo emibi ngokungahlawulanga ngexesha. Kwaye ukuba ufuna ukuhlawula ngaphezulu kwityala lakho, kunceda ukuba loo mali ibhalwe kwibhajethi yakho.
Indlela elula yokuqala kukusebenzisa indlela yokuhlawula imali-mali, kuba le nto inokukunyanzela ukuba unike yonke idola enye oyifumana "umsebenzi." Ngoko ukuba wenza i-$ 3,000 ngenyanga, kufuneka ufumane apho konke kuhamba khona.
Khangela ibhajethi yakho yangoku kwaye ubone ukuba unayo nayiphi imali eseleyo ekupheleni kwenyanga. Ukuba awukho, unokuba ufuna ukuphinda usebenze uhlahlo lwabiwo-mali (okanye sebenzisa indlela elula apho uzihlawula khona kuqala), kwaye ukuba wenza njalo, kufuneka ufunde oko wenzayo nayo.
Ukubandakanya iintlawulo zakho zeetyala kwiibhajethi yakho kuthetha ukuba akudingeki ukuba ufike ngokukhawuleza ngemali inyanga zonke, kwaye ngelo themba, unokuzuza ngokubhalisa kwiintlawulo ze-auto-ntlawulo ngoko ke akudingeki ukhathazeke ngokulahleka.
02 Cinga nje ngeMarathoni, kungeyi-Sprint
Ukufikelela kwetyala lakho nge-mindset ye-sprint enye yeendlela ezilula zokubangela ukukhathala kwetyala. Nangona elinye ityala lingahlelwa njengolu "ngxakeko," ngakumbi ukuba inomlinganiselo wenzalo ephindwe kabili, ngokuqhelekileyo, kungcono ukuthatha indlela encinci yokwenza ityala.
Okokuqala, ukuphuma ngaphandle kwetyala lakho kungadla - emoyeni nangokomzimba (esiza kuthetha ngawo ngezantsi). Ukuba unetyala elikhulu lokuhlawula, le ntlawulo ayikwazi ukuzinzileyo.
Okwesibini, abanye abantu bathanda ukuthatha ixesha labo ukuhlawula ityala labo eliphantsi-nzala ngenxa yokuba bakholelwa ukuba bangakwazi ukubuyela ngenye indawo kwenye indawo. Nangona oko kungenyaniso, ukuba usebenzisa le ngxabano, qiniseka ukuba wenza into ethile ngemali yakho. Awuyi kuzuza ukubuyiswa okulungileyo ebhankini ngenxa yokuba ukubuyela kwakho xa uhlawula ityala ngumlinganiselo wakho wenzala.
Ekugqibeleni, ubomi benzelwe ukuzonwabisa. Uninzi lwabantu luyazisola ngokuba lukhokhwa - abafuni ukugxila kulo kuba lubacaphukisa. Ngokwenza kube yinto ekujoliswe kuyo yodwa, ungawela kumkhwa wokuvumela ukuba ityala lakho likudle.
"Ndiyaxolisa, andinakuphuma ngenxa yokuba yonke imali yam ihlawulwe kwiintlawulo zetyala."
"Ndiyathanda ukuba ndihambe ngalolo hambo, kodwa ndinetyala."
"Mnandi, ndandifumana i-$ 50! Makhe ulinde, okumele ukuba uye kumatyala ami ... "
Ukuba uyayilandela yonke indlela-okanye-nento, uyakubona ngokukhawuleza ukuba ubomi bakho buqala ukujikeleza malunga netyala lakho. Ungavumeli ukuba wenze izigqibo kuwe. Unokwenza izinto ngaphandle kwetyala lakho, ngokude uhamba ngayo ngendlela ejongene nemali - oko kukuthi ufumane i-fund savings fund yokuzikhethela, ugcine uhambo, okanye ube nemali emnandi.
Kule mizila efanayo, musa ukwenza izigqibo zokukhawuleza ezifana nokuhlawula i-401 yakho (k) ukuhlawula ityala lakho .
03 Musa ukubeka impilo yakho kwingozi
Ezinye iingcebiso eziqhelekileyo zokuhlawula amatyala ziquka ukufumana ngaphezulu . Ukuba awukwazi ukuhlawulela okongezelelweyo ngoku , funda uhlangothi, sebenze iiyure ezongezelelweyo, okanye ufumane umsebenzi wexesha.
Nangona eli cebiso lisebenza kwaye luncedo kwiimeko ezininzi, ubeka umngcipheko-kwakhona-ukuvumela ukuba amatyala athathe.
Khawucinge ukuba ugxininise ngokupheleleyo ekubeni unetyala elikhululekile ukuba uhlambe yonke ihora ngaphandle komsebenzi wakho oqhelekileyo ukuze ufumane imali engaphezulu. Useka i-side hustle, usebenza iiveki ezingama-80 +, kwaye unako ukuhlawula ngetyala lakho ityala.
Njalo xa ithuba lenza imali, utsho "ewe!" Ngaphandle kokucinga kabini.
Kuze uqale ukuziva uhla. Njengoko ungaphandle kwamafutha. Yaye unjengewe awukwazi ukukhumbula nokuba yintoni efana nokuphila.
Lo ngumzekelo omkhulu, kodwa oko akuthethi ukuba akunjalo kwabanye abantu. Ukuba ngumsebenzi ogqithiseleyo uba ngumkhwa. Awukwazi ukusho iha ngemali engaphezulu, kwaye awukwazi ukuma.
Okubi nakakhulu, ukuhlanjululwa kwakho kukukhathazeka, kwaye umgangatho womsebenzi wakho kwimihla yomsebenzi wakho kunye nomxhasi wecala unobandezeleka. Awusayikufumana i-juggling inandi. Uhlangothi lwakho luba ngumsebenzi; kwindlela yokufikelela ekupheleni kwetyala.
Ungavumeli ukuba oku kwenzeke kuwe. Ukuba ukhetha ukusebenza ngaphezulu ngenxa yokuba unqwenela ukufumana ngaphezulu ukuhlawula ityala lakho ngokukhawuleza, ungene kuyo ngemida. Ungavumeli abathengi (abanakho okanye ngenye indlela) bayicwangcise ishedyuli yakho.
Uninzi lwazo zonke, ungaze uzibambelele kwimpilo yakho . Iindleko zonyango zingenakuzilolonga ukujongana nazo, kwaye mhlawumbi kube yinto yokugqibela oyifunayo xa ungcwatywa phantsi kwetyala, kodwa akufanele unqumle ukuqeshwa kwegqirha kuba awufuni ukuhlawula ukutyelela. Imiba yezempilo oyihoyileyo ngoku ingabuya embi kamva.
Ngoko ungene kumkhwa wokubaluleka kwempilo yakho - impilo yakho yengqondo kunye nempilo. Akukho nto ibaluleke ngakumbi ekuphileni ubomi obufezekileyo. Akufanelekile ukuba usebenze ekufeni kuphela ukuba ungenasikweletu kwaye ungakwazi ukuwufumana.
04 Funda kwabanye
Ukuba ufumanisa ukuba uyasweleka ukuphefumlelwa , okanye ufuna imbonakalo eyahlukileyo kwityala, funda amabali kwabanye abaye bafumana into efanayo.
Amaninzi amaninzi, ukuba netyala uziva uhlala. Unokuziva ngathi wenze into engalunganga, njengokuba ufanelwe ukuba ube neentlungu kwaye ugobe ngokuzichukumisa. Kodwa ukufunda amabali abantu ngabanye kunokunceda ukuhlaziya umba.
Inyaniso awukho yedwa, kwaye ukufumana uluntu oluncedo, oluxhasayo lunokwenza ukuba umehluko wehlabathi kuhambo lwakho lokunikwa kwetyala, ngakumbi xa uvakalelwa ukuba awukwazi ukuxelela umntu owaziyo "ebomini bobomi."
Ukudibanisa nabantu abanomdla-njongo ukwenzela ukuba ukwazi ukufumana iingcamango zabo, uxoxe nabo, kwaye mhlawumbi ufumane iqabane elixanduva lokuphendula. Ukuzibandakanya nabantu abayazi kakuhle oko uhamba nayo kunokukunceda uzive ungcono ngeemeko zakho.
Yenza umkhwa wokufikelela kwabanye kwaye ufumanise iimbonakalo ezahlukeneyo malunga nokuhlawulwa kwetyala ukwenzela ukuba uhambo alufumane.
05 Khumbula "Isizathu Sokuba"
Akukho mntu uthanda ukuba netyala. Yinto nje yobomi kubantu abaninzi. Kodwa uhlukile. Ufuna ukuba netyala elikhululekile kwaye uphile ubomi ngemimiselo yakho.
Kutheni uhlukile? Yintoni eyenza ufune ukufeza le njongo xa abantu abaninzi bevuma ngokungekho mthethweni ukuba ukuba ityala liqhelekile?
Cinga ukuba kutheni uqalise olu hambo ukuya kwisikolo senkululeko, kwaye ubhale phantsi. Bese uphinda kwakhona xa unomhla onzima. Mhlawumbi unomuzwa wokuthi awusoze waphuma kwetyala, njengokuba wenza oku kungekho nto. Mhlawumbi uvakalelwa kukuba unqabile into ethile ngenxa yokuba ukhathele ukuhlawula abantu abanamatyala.
Fumana yakho "kutheni" kwakhona - isizathu sakho esikhulu sokwenza oku kuqala. Uyakufumana ukuphefumlelwa okutsha ngokukufunda kuphela. Ukuba "nantoni" kuyo nayiphi na injongo ebalulekileyo ebomini kunokukunceda unqobelele imingeni eninzi oya kuhlangabezana nayo ukuze ufike khona.
06 Hlala Uvumelana, Kodwa Zixolele Xa Izicwangciso Ziphumelelanga
Enye yezinto ezintle ongayenza ukuze uphumelele ekuhlawuleleni ityala lakho kukukwenza isicwangciso . Ukuba awunaso isicwangciso sokuhlawula ityala, awuyi kuyenza inkqubela phambili njengoko unokwenza ukuba ube neendlela zokulandela.
Unokukhetha ukuhlawula ityala ngokusebenzisa i-avalanche okanye indlela ye-snowball (okanye udibanise ezimbini ), kodwa zinike i-buffer ukuba izinto zingahambi njengoko zicwangcisiweyo.
Ngoba? Kuba ubomi buya kwenzeka. Umthetho kaMurphy. Unokuba neendleko ezingalindelekanga kufuneka ujongane nenyanga enye ekubangela ukuba wenze kuphela intlawulo encinci kwityala lakho. Ilungile. Ukuba nesicwangciso sezinto , kodwa akudingeki ukuba ulandele kwiintsuku ezingama-365 zonyaka.
07 Ukuseka iNgxowa-mali yeNgxamiseko
Oku kungenxa yoko ukuba neengxowa-mali zexakeka ngokukhawuleza zifika ngokufanelekileyo.
Enye-eneemali ezongezelelweyo ezibekelwe bucala kuthetha ukuba unelungelo lokuphela kwetyala elingaphezulu kunokuba uqale ngalo. Cinga ngako - kuthekani ukuba imoto yakho yaphuka, okanye bekufuneka uye esibhedlele, okanye isilwanyana sakho sidinga unyango olukhethekileyo?
Nangona ezininzi zeendleko kufuneka zikulindeleke , inyaniso kukuba, abaninzi abantu abakucingi ngabo de kube sekude kakhulu.
Eyesibini - nawe ungena kumkhwa wokugcina , onokuzwakala ungaqhelekanga kulabo abalandela "ukubeka yonke imali yakho kwi-matyala!" I-mantra. Awudingi isikhwama esiphuthumayo, kodwa ukubeka eceleni (kunye nokuhlawula imali) kunokunceda ube netyala elingenasiphelo kunye neendlela ezincinci endleleni, kwaye kukukunceda uhlale unetyala ngaphandle.