Funda ukulawula imali yakho, nokuba unayo imali engaphezulu
Uhlahlo lwabiwo mali kunye nokulondoloza imali aluveli kubantu abaninzi, ngenxa yezizathu ezicacileyo: kulula kwaye uzama ukuchitha imali ngokungabalulekanga, nokuba uhlahlo lwabiwo-mali luqinile.
Ngoko ungayifumana njani indlela kunye nebhajethi eyiyo kwaye ugcine imali?
Namanyathelo amahlanu omele uwathathe ukulungisa kwakhona iimali zakho, ukubeka phambili izinto zakho zokusetyenziswa, ukujongana nawaphi na amatyala onokuba nawo, kunye nokuhlawula irhafu yakho. Ezi zicwangciso, zithathwe kunye, zinokukwazi ukuphucula imeko yakho yezemali.
1. Fumana iBhajethi yakho kwiNdlela
Ngeke ufike phambili kwizezimali uze uhlalutye uhlahlo lwabiwo-mali oluvumela ukuba zombini izipholozo kunye neengxamiseko - kwaye unamathela kulowo bhajethi.
Ukuhlawula imali yakho yintloko yekona yecebo elifanelekileyo lezemali. Unokuhlekisa ngcamango yokudala uhlahlo-lwabiwo - emva kwakho konke, uninzi kakhulu into oyisebenzisayo nyanga zonke, ingakumbi kwizinto ezinkulu zetikiti ezifana nokuqeshisa / ukuthenga imali okanye ukuhlawula imoto.
Kodwa zama le nto. Ukudala uhlahlo-lwabiwo-kwaye emva koko-kunokukunceda ubone indawo ochitha kuyo ngaphezulu. Apha uya kufumana iingcebiso malunga nendlela yokwenza uhlahlo lwabiwo-mali kwaye ulandele iindleko kunye nezinye iindlela zokulawula imali.
2. Funda ukunciphisa imali
Ukuphuhlisa uhlahlo lwabiwo-mali luyakunceda ukuba ubone indawo ochitha kuyo ngaphezu kokuba ufumene. Kodwa isinyathelo esilandelayo kunzima kakhulu: ukusika imali yakho kwizinto ezingadingekile.
Oku kuya kufuna ukuba uphando lomphefumlo kwizinto zombini ezinkulu kunye ezincinci.
Umzekelo, ngaba ufuna ngempela i-$ 5 ikhofi nganye ekuseni? (Abanye baya kuthi ewe, ngelixa abanye impendulo ayikho.) Ngaba unokwenza ngeemoto ezincinci, emdala? Esikhundleni seeholide ebiza ngeli lihlobo, unokuzama "ukuhlala," apho uhlala khona (kuncinci) kwaye uphumule apho?
Zonke ezi zikhetho zizinto eziququzelelekileyo kwaye zininzi izinto ezenzekayo, ngoko akukho mpendulo efanelekileyo kubo abaninzi. Kodwa ukuwabeka ngaphandle kuya kukunceda ukubeka phambili imali yakho, kwaye oko kuya kunceda ubone indawo apho ungagcina khona imali.
3. Ukusebenzisana neTyala lakho
Bambalwa abantu abade bekhulile ngaphandle kokuqokelela uhlobo lwetyala: amakhadi enkredithi, iimali-mboleko zabafundi, iimali-mboleko zemoto, kunye neentlawulo zempahla eziqhelekileyo ziqhelekile. Enyanisweni, ityala linokuba yinto enhle (ngubani onayo imali yokuthenga indlu ngqo?), Kodwa eyona nto ngundoqo ukuyisebenzisa ngokuhlakanipha.
Amakhadi esikweretyala kunye nezinye iintlobo zamatyala angaba yinxalenye ebalulekileyo ebhokisini lakho leencwadi, kodwa kufuneka uqaphele xa usebenzisa ezi zixhobo. Ukuqonda umahluko phakathi kwetyala elihle kunye netyala elibi liya kuhamba ixesha elide ekuqinisekiseni ukuba udala kwaye ulondoloze imbali yamatyala entle.
4. Indlela Yokugcina Imali
Ukwakha ubutyebi, kufuneka uqale kwindawo ethile. Ngoko ke, ukukwazi ukugcina imali yintloko yamatye yokwakha ubutyebi.
Ukuze ugcine imali, kufuneka uchithe ngaphantsi kokufumana. Oku kubonakala ngathi kuyabonakala, kodwa kaninzi kulula ukutsho kunokukwenza. Ngethamsanqa, kukho izixhobo eziliqela ongayisebenzisa xa uqala ukugcina imali, nangona xa uhlahlo lwabiwo-mali luqinile.
Eyona nto ibaluleke kakhulu yile ndolozi yokugcina. Vula i-akhawunti yokulondoloza, kwaye usethe i-akhawunti yakho yokujonga ukuze uhambise ngokuzenzekelayo imali ehleliweyo ngenyanga nganye kwi-akhawunti yakho yokulondoloza.
Akudingeki ukuba udlulise imali eninzi-qalisa nayiphi na ibhajethi yakho inakho ukufumana. Kodwa ukwenza okuzenzekelayo (kwaye ngokuchasene nesifiso sokusebenzisa imali ngokukhawuleza) kuya kukufumana endleleni eya kulondolozo lwexesha elide.
5. Qinisekisa ukuhlawula iiflawulo zakho
Akukho mntu uthanda ukuhlawula irhafu, kodwa yinto ebalulekileyo yiphina isicwangciso semali.
Nangona ungenzi imali eninzi, usenokumangaliswa ukuba ufumene ukuba izicwangciso ezithile zerhafu kunye nezigqibo zingathinta njani iimali zakho.
Ukufunda indlela yokunciphisa impembelelo yakho kwiimali zakho unokuqinisekisa ukuba imali eningi ingena ephaketheni lakho kwaye isetyenziswe kwiinjongo zakho zemali.