Uluhlu lweeNkcitho zenyanga
Okokuqala, kufuneka uhlalutye zonke iindleko zakho ngendlela efanayo ukuba uya kuhlahlo-lwabiwo-mali oluqhelekileyo . Oku kukuvumela ukuba ubone apho imali yakho ifuna ukuya khona. Emva kokuba uludwe zonke iindleko, kufuneka udibanise imali yeshumi kwipesenti yakho. Ukuba usebenza ngokuzimeleyo kufuneka udibanise irhafu yakho njengendleko. Ukuba unemali ngaphezu kwesi sixa-mali-mali nangaliphi na inyanga enikezelweyo kufuneka ifike kwi-savings. Unokufuna ukuba ne-akhawunti yokugcina imali yerhafu kunye neenyanga ngqo apho ungenzi imali eninzi.
Ukubeka phambili iindleko zakho
Uya kufuneka ubeke phambili iindleko zakho. Kufuneka uqaphele okokuqala. Oku kubandakanya izinto ezifunekayo ezifana nokutya, indawo yokuhlala, umbane, kunye ne-inshurensi yempilo. Emva koko, kufuneka ubhale iintlawulo zakho zeetyala kunye nokonga kwakho. Emva koko ungeze kwiingubo zakho, ubulungu bokuzivocavoca, kunye nemali yokuzonwabisa. Ngeenyanga apho imali iqinile, ungadinga ukunciphisa imali oyisebenzisayo kwizinto ezingekho iimfuneko ezifana nemali yokuzonwabisa okanye iindleko zakho.
Khubaza iindleko zakho zenyanga kwaye ugcine i-Balance Resting
Emva kokuba uyazi ukuba uza kwenza phi imali enyangeni leyo, uhlala phantsi uphinde ukhuphe iindleko zakho uze uhambe yonke yakho imali. Kubalulekile ukukhumbula ukugcina nantoni na oyenzayo ngaphezu kwesixa-mali sakho esipheleleyo. Oku kufanele kube kwi-akhawunti yokulondoloza ehlukileyo kwingxowa-mali yakho yexakeka kunye nezinye iinjongo zokulondoloza.
Ukuba usebenza ekuphumeni kwetyala ungagqiba isigqibo sokubeka ipesenteji ukuya kuma-50 ekhulwini kwiimali zakho kunye nemali eyongezelelweyo.
Imiqhekeza yokuThumela kunye ne-Savings yakho
Ukuba unenyanga epholileyo, ngoko uthabathe imali ngaphandle kweakhawunti oyimisele ukukhupha iinyanga ezide. Ezi zinyanga unokufuna ukubuyisela imali kwimali engadingekile ukuze ungagcini i-akhawunti yakho yokugcina. Oku kuya kunika ithuba lokusebenza kanzima ukuze ungadingi ukunqumla. Ngokuqhelekileyo, akufanele uthabathe imali ukuhlawula zonke iindleko zakho zokuzonwabisa.
Fumana iindlela zokongeza iNgeniso yakho
Kunceda ukuba ube nemifudlana eninzi yokufumana imali xa usebenza kuphela kwikhomishini. Oku kungenziwa ngomsebenzi wesibini okanye ngokusekwa kwishishini ozenzayo ekhaya. Oku kunokukunceda ukwakha indawo eninzi eyaneleyo yokungaqhubeki ukuba uqhubeke nomsebenzi wesibini okanye unokukhetha ukuthatha umsebenzi wexesha lexeshana xa uqaphela ukuba ingeniso yakho iyancipha ngexesha elithile ngexesha lonyaka.
Iingcebiso:
Emva kokuba usugcine ngokwaneleyo ukugubungela iindleko ezimbini zeenyanga, unokufuna ukufumana iintlawulo zakho ezihlawulwe ngqo kule akhawunti yokugcina. Emva koko uthumele inani lebhajethi yakho kwi-akhawunti yakho yokujonga ekuqaleni kwenyanga. Oku kukukunceda uqhubeke nokudibana neendleko zakho kwaye ulondoloze. Xa uhlahlo lwabiwo-mali lwenkokhelo kuphela, oku kunokuba luncedo ngakumbi. Qinisekisa ukuba uhlala unemivuzo yeenyanga ezimbini kule akhawunti emva kokuba ufikelele kweli nqaku, ngoko unokulungisa utshintsho lwakho njengoko lufunekayo xa unemizuzu embalwa ehambayo.
Kubalulekile ukuba uqinisekise ukuba unesabelo-mali esomeleleyo kwiminyaka embalwa yokuqala ukuba usebenza ngokuzimeleyo. Awukwazi ukuqaphela unyaka wokuqala okanye ezimbini ukuba umsebenzi wakho unyaka okanye ukuba ufike kwiimjikelezo. Kuthatha amashishini amaninzi emihlanu ngaphambi kokuba benze inzuzo eqhubekayo. Ukuba uya ku futshane nyanga zonke, ungadinga ukukhangela enye imvelaphi yengeniso ukuze ungeze ibhizinisi lakho. Unokwenza isicwangciso sezimali esiqinileyo ukuphepha ingxaki yengeniso.