Ukwenza uhlahlo lwabiwo lwabazali abangabodwa alufanelekanga
Ukuba ngumama ongatshatanga ngokuqhelekileyo kuza kunye nemingeni ekhethekileyo, ingakumbi kwibala lemali. Emva kwakho konke, ukukhulisa abantwana akufihla. Ngokwe-USDA, iindleko ze-233,610 zilinganiselwa kuma-
Kwikhaya lomzali ezimbini, kunokubakho iingeniso ezimbini zokusingatha indleko. Ngakolunye uhlangothi, unomama ongatshatanga, unako ukuwenza ukuba usebenze kwimali engenayo yodwa. Yilapho isabelomali esisodwa singabalulekanga.
Uhlahlo lwabiwo-mali luba ngumsindisi, ngakumbi xa kukho abantwana abasemfanekisweni. Ukuba ungumama ongatshatanga, ezi ngcebiso zingakunceda ukhonkcoze uhlahlo lwabiwo-mali kwaye wenze imali eninzi ngenyanga.
1. Qala ngeNgeniso yakho
Kukho iinombolo ezibini ezibalulekileyo ozifunayo ukwenza isabelomali esisodwa: imali engenayo kunye neendleko ezipheleleyo.
Njengoko uceba uhlahlo lwabiwo-mali, qalisa ngokukongeza ingeniso yakho yenyanga. Indlela elula yokwenza oko, enoba usebenza kwi-gig e-9 ukuya kwi-5 okanye uhlola imisebenzi emininzi, kukujonga ii-stubs zakho zokuhlawula. Ukuba ufumana ixabiso elifanayo ngeveki okanye nge-Yakoekly, ungayisebenzisa le ntlawulo njengesiseko sakho.
Okulandelayo, yongeza nayiphi na ingeniso oyifumanayo kwi-side hustle okanye emsebenzini wesikhewu. Oku kusenokungaqhelekanga, kuxhomekeke kwindlela ohlala uyenza ngayo ixesha lesinye ixesha okanye umsebenzi ongaphantsi.
Ekugqibeleni, yongeza nayiphi na inkxaso yenkxaso okanye umntwana ohlala ufumana rhoqo. Ukuba uyayifumana le ntlawulo kodwa ayihambelani, unokuba ungafuni ukuwafaka kwimali yakho engenayo.
2. Hlulela kwiNkcitho yakho
Isinyathelo esilandelayo songeza oko uchitha ngenyanga. Unokwahlula oku kuba ngamacandelo amabini: iindleko ezibalulekileyo zokugcina umgangatho wakho wokuphila kunye "nokongeza".
Ngoko yintoni ebalulekileyo? Uluhlu lwakho lunokuquka izinto ezinjenge:
- ZeZindlu
- Izixhobo
- Ifowuni kunye nenkonzo ye-intanethi
- Ukunyamekela abantwana
- Iidrafers kunye nefomula ukuba unayo umntwana
- Ukutya
- Gesi
- IInshshu
- Ukuhlawula amatyala
- Izidingo ezinxulumene ne-Kid ezifana nezindleko zexesha lesidlo zesikolo, iifom yesikolo okanye iimrhumo zomsebenzi zeenkcukacha zecandelo
- Lo ndolozo
Kutheni kulondolozwe apha? Kulula. Ukuba unomama ongatshatanga, inkokhelo yongxamiseko yinto ongenakukwazi ukuyenza ngaphandle. Ukulondolozwa ngokukhawuleza kungena ngokufanelekileyo ukuba unokwenza imoto engalindelekanga okanye umntwana wakho ugula kwaye kufuneka ulahlekelwe ngumhla womsebenzi. Nangona uhlahlo lwabiwo-mali lwama-$ 25 ngenyanga ukuze ulondolozwe, ixabiso elincinci liyakongeza. Ukunyanga ukugcina imali njengowiso-mthetho kuqinisekisa ukuba imali isuswa rhoqo.
Emva koko, qhubela phambili kuluhlu olongezelelweyo. Yilapho uza kufaka iindleko ozidingayo. Umzekelo, unakho ukuba:
- Ukutya ngaphandle
- Ukuzonwabisa
- Izambatho
- Uhambo
- YeTable TV
- Ubulungu beGym
Susa zonke iindleko zakho (ezibalulekileyo kunye nezongezelelweyo) ukusuka kwingeniso yakho yonke. Ngokufanelekileyo, kufuneka ube nemali eseleyo. Le yimali ongayongeza kuyo ukugcina okanye ukusetyenziswa ukuhlawula ityala lakho ukuba uthetha iimali-mboleko zabafundi, umboleko wemoto okanye i- balance card card .
Ukuba awunanto ekhohliweyo, okanye ngakumbi, ungekho nto, uya kufuneka uhlalutye isabelomali esisodwa kunye nokunciphisa iindleko zakho.
3. Ukufumana Ugcino kwiBhajethi yakho
Xa usuqalile ukwenza uhlahlo lwabiwo-mali, ungathatha iliso lesibini ukufumana imali. Nazi ezinye iingcebiso ezithile zokunciphisa imali kunye nokukhulula imali kwibhajethi yakho:
Ukunciphisa izindleko zokunakekela abantwana. Iindleko eziqhelekileyo zokunakekelwa kwentsuku kwintsana zihamba phakathi kweedola ezi-5,547 kunye ne-16,549 yeeRandi, kuxhomekeke kwimeko ohlala kuyo. Ihla ihlawule ukuya kuma-106 ukuya kwi-318 ngeveki. Uncedo lokunakekelwa kwenyango lufumaneka kubomama abangabodwa abahlangabezana neemfuno ezithile zeengeniso kodwa ukuba awufaneleki, kunokukho ezinye iindlela zokunciphisa iindleko.
Ngokomzekelo, unako ukufumana ilungu lentsapho ekulungele ukubonelela ngononophelo lwabantwana ngexabiso elincinciweyo. Okanye unako ukumisela ukunakekelwa komntwana ngokutshintshana nomnye umama onohlelo lwakhe oluphambene nolwakho. Ukunciphisa iindleko zakho zokunakekela abantwana nge $ 50 ngenyanga zingongeza ii-$ 600 ngonyaka kwibhajethi yakho.
Sebenzisa ii-apps ukuzongeza ekulondolozeni kwakho. Ingaba uthengela ukutya, iimpahla okanye nantoni na phakathi, kukho insiza eyokugcina imali.
Ibotta, umzekelo, inikeza iziphulelo kwiintengiso zokuthengwa ukuze ungabi nakwiiklip. Umsebenzisi osemyingeni usindisa i-$ 240 ngonyaka. I-RetailMeNot yindawo enhle yokufumana iikhowudi zokukhushulwa kunye namakhuphoni aphrintiweyo abathengisi abafana ne-Amazon, Sears kunye neMacy. I-Kidizen yenzelwe amama abafuna ukuthenga (kwaye bathengise) iimpahla zezingane.
Ukunyusa umvuzo wakho wekhadi lokuthenga ngetyala. Umvuzo wekhadi lesikweletu unokuba lukhulu xa kufikelele ekulondolozeni, ngakumbi xa ufumana imali emva. Ngokwemibiko ye-WalletHub ka-2017, umvuzo ongcono kakhulu kumakhadi-mboleko angafikelela kuma-1,634 ayi-$ in value value in the first two years. Loo mfanekiso uquka umvuzo owenziwe ekuthengeni, kunye nebhonasi yokuqala.
Ngoko ke yiphi na ikhadi lemivuzo elona lihle kakhulu kwisabelomali esisodwa? Kuya kuxhomekeka kwindlela oqhele ngayo ukuyisebenzisa. Ukuba uninzi lwezinto ezithengiweyo zenziwa kwiivenkile zokutya, ii-clubs zokuthengisa, izitolo zesebe okanye izitulo zegesi, unokufuna ikhadi elinika amanqaku amaninzi okanye imali ekhoyo ekuthengeni le nto. Ngakolunye uhlangothi, ukuba uhamba kunye ne-kiddos yakho rhoqo, ikhadi lemivuzo yokuhamba lingaba lilungelo elingcono.
Khawukhumbule ukuba ukhangele umrhumo wonyaka kunye nepesenti yepesenti yonyaka xa uthabatha ukuthwala ibhalansi kwikhadi lakho. Imirhumo kunye nomdla unokukhupha kwixabiso lokugcina kwakho.
Cinga ukutshintsha kwe-akhawunti yebhanki. I-akhawunti yokutshekisha kwindleko ihlawula i-$ 97.80 ngemali kwiimirhumo. Oku kunokuba kungabonakali kakhulu kodwa kunokuncedisa ukuya kuma-dollar angaphezu kwe-10. Ukuba awuzange uhlaziye iimali zakho zebhanki kungekudala, thabatha okwesibini ukwenza njalo. Ukuba ufumana i-nickel kwaye udibene, cinga ukuhambisa imali yakho kwi-bhanki ye-intanethi okanye ibhanki yendabuko enokuhlawula umrhumo ukuze ukhulise imali yakho yokugcina.