Ingaba ungumtshitshisi wecala okanye ngetyala lekhadi lesikweletu? Uhlahlo lwabiwo-mali luyakunceda.
Uhlahlo lwabiwo-mali lube yindlela ephezulu, yokugcina isondlo sokugcina imali yakho kwindlela ukuze usebenze kwiinjongo zakho zemali .
Nantsi ukujonga ngokukhawuleza kwendlela uhlahlo lwabiwo-mali olusebenza ngayo imali, kunye nendlela iimali zakho ezinokuzuza ngayo kuyo.
Usebenza njani iBhajethi-kuphela iBhajethi
Njengoko unokuba uqikelele kwigama, uhlahlo lwabiwo-mali luquka ukusebenzisa imali nje yonke imfuno zakho zenkcitho. Akukho matyala okanye amakhadi ahlawulwayo avunyelwe. Iitshekhi ziphume, nazo.
Uhlahlo lwabiwo-mali oluqhelekileyo lufakwe kunye nenkqubo yokuhlawula iimvulophu , apho unemvulophu nganye kwiindidi kwibhajethi yakho. Unokuchitha kuphela imali enayo kule mivulophu yenyanga. Xa uphelelwa yimali, uyenziwe.
Ingcinga efanelekileyo yokuba nesabelomali esisisiseko phambi kokuba uhambe ngemali-kuphela kuba kubandakanya ukuhoxisa imali efanelekileyo yemali kwaye usasaze kwiimvulophu zakho nganye ekuqaleni kwenyanga.
Ukusebenzisa i-Cash kunempembelelo enhle ekusebenziseni kwakho imali
Inzuzo enkulu kakhulu yokusebenzisa ibhajethi-kuphela yinto-mali kukuba uhlala ukhuthazwa ukuba unamathele kubhajethi yakho njengoko uqala ukuphuma kwemali.
Kukho into enamandla ngokunikezela ngeengxowa kunokuba ushukume ikhadi lakho, kwaye uphando luye lwafakazela ukuba le nyaniso.
Cinga ngolu hlobo: Ngaba uyakuvuyela ukubona inani leebhilidi oziphetheyo? Mhlawumbi akunjalo. Kubuhlungu kakhulu ukunikezela ngemali kunokuba ushintshe ikhadi lakho.
I-psychology emva kwendlela yokubhalwa kwebhajethi ayifanele inganyanzelwanga. Kunempembelelo enkulu kunokuba ungangena kwi-software yakho yohlahlo lwabiwo-mali, okanye ukulandelela ngesandla kwispredishithi kuba uvakalelwa intlungu ngexesha.
Kungekudala unokuyeka ukuchitha imali, ngcono.
Uhlahlo-mali oluKhethekileyo lunokukunceda ukukhawulezisa ukuhlawulwa kwetyala
Uhlahlo lwabiwo-mali kuphela luyinto emangalisayo kubantu abakwi- credit card . Ukuba unganakwenzeka ukuyeka ukutshixa ikhadi lakho, ke ukunamathela kwimali kunokukunceda ukuba wenze imimiselo engcono yokuchitha imali.
Ngaphezu koko, ungasebenzisa imichimo efanelekileyo yokuchitha ukuhlawula ityala lakho ngokukhawuleza. Ukubambelela kubhajethi yakho rhoqo kwaye ufumane ulawulo lwenkohlakalo yakho kunokuthetha "ukufumana" imali eyongezelelweyo, oko kuthetha ukukwazi ukuhlawula ityala ngokukhawuleza.
Unyanzelekile ukuba ucinge kabini malunga nokuthengwa
Abathengisi bempembelelo banokufumana inzuzo kwisabelomali kuphela, njengokuba nemali enqongopheleyo yokubuza yonke into oyithengayo.
Ngokomzekelo, sitsho ukuba usondele ngasekupheleni kwenyanga, kwaye unayo i-$ 20 kuphela esele kwisabelo sakho sebhajethi . Uyazi ukuba kufuneka wenze uninzi lwama-$ 20 ukuze ube nokutya okwaneleyo ukugcina kwakho enye inyanga, ngoko ufumana ubuchule bokutya. Ngaphambi kokuba uqalise uhlahlo lwabiwo-mali kuphela, usenokuzama ukuphonsa naluphi na ukutya owufunayo kwinqwelo yakho, okubangele ukuhamba ngebhajethi yakho yokutya.
Ukuba nalo mqobo onokuzakhela kwizinto ezikuchithayo kukukhusela kuyo nayiphi na ithengiselwano elisengqondweni ongayenza.
Awunayo enye indlela kodwa ukhetha ukuqonda malunga nendlela osebenzisa ngayo imali yakho, okanye mhlawumbi unobungozi bokungabi nemali eyaneleyo yezidingo zakho.
Uluhlu lwezinto eziphambili kunye nohlahlo lwabiwo-mali
Emva kokusebenzisa uhlahlo lwabiwo-mali kuphela kwiinyanga ezimbalwa, uya kuqonda iingxaki zakho ezibuthathaka apho uchitha imali.
Ngokomzekelo, unokuqonda ukuba ulingeka ukuba uchithe ngaphezulu kwiingubo kwaye ungananto yokunamathela kwi-bhajethi yakho yegesi. Okanye unokuqonda ukuba usebenzisa yonke idola yokugqibela ekudleni kwakho kubhajethi kuba awukwazi ukumelana nokutya okukhawulezayo kokutya.
Kwiimeko eziqhelekileyo, usenokungacingi kabini malunga nokuhlaselwa kwebhajethi. Ngenye inyanga apho uphelisa ukuchitha imali ngaphezu kokuba ucinga ukuba uya kuthi, kunjalo?
Kodwa ngohlahlo lwabiwo-mali kuphela, unokucinga ucacile malunga nokuba kutheni uziva unesidingo sokuchitha ezininzi kwiindawo ezithile.
Ngaba uthengisa okanye udla okubalulekileyo kuwe? Kubaluleke ngaphezu kwezinye iinjongo zakho?
Ukuthabatha ezinye iiCash ziyakunceda
Inzuzo encinci yokuphatha imali yinto yokuba ifikeleleke kwiimeko ezithile. Abo bangakhange baphathe imali bangabhalelwa kwezi ngxaki:
Kufuneka uchithe inani elincinci lemali ukuze usebenzise ikhadi lekhredithi kwezinye iindawo (ngokuqhelekileyo izibonelelo zokutya)
Kukho i-premium yokusebenzisa iplastiki kwezinye iimeko (abathengisi banokuhlawulisa imali eyongezelelweyo yokucwangcisa)
Awukwazi ukunikela isipho (ezinye iindawo zithatha kuphela iingcebiso zemali)
Kufuneka ufumane i-ATM kwinethiwekhi yakho. Ngaphandle koko, ujongene nemali yokurhoxisa imali.
Nangona ezi ngxaki zibonakala zingancinci, ezi ziko ziyakongeza. Kuhlala kulungile ukuphatha imali encinci kuwe ukuze ugweme ukuphela kwezi meko.
Ukuphuhlisa imiSebenzi emihle Ukuchitha
Ukutshintshwa kwemikhuba yakho yokuchitha imali ngokutya kuphela kukuhlawula izabelo phantsi kwendlela. Imikhwa yinto yonke xa ifika kwimali yakho, kwaye emva kokuba ufumanisa indlela yokufumana ukulawula imali yakho, awuyi kuphinda ubuyele kwiindlela zakho zakudala.
Isabelomali-mali kuphela yindlela enkulu yokuchitha imichilo yokuchitha imali endala kwaye uyifake endaweni leyo eya kukukhokelela kwikamva elifanelekileyo lezemali.