Thatha iSitokisi apho Ukhona khona
Kunceda ngokwenene ukwazi ukuba zeziphi iibill ezifunekayo ukuba zihlawulwe, kwaye yiziphi izindleko oziyekile kule nyanga. Emva koko unokwazi ukubona ukuba unayo imali yokubafihla. Oku kungaquka izinto ezifana nokutya kunye nezinye iindleko zemihla ngemihla. Ufuna ukuphepha ukusetyenziswa kwekhadi lakho lekhredithi ukuba kunokwenzeka, ngoko kubalulekile ukwazi kakuhle apho umela khona ngemali. Ukulinganisa i-akhawunti yakho kunye nohlahlo-mali kufuneka kukuxelele ukuba ungaphi.
Dlulisa Imali Ukufihla Ukunyuka kwakho
Ngokuxhomekeke kwisithuba sakho sokuthenga, unokukwazi ukugubungela ixabiso elininzi nje ngokudlulisela imali kwiindidi ezahlukileyo ezifana nokuzonwabisa, ukutya ngaphandle, iimpahla okanye iintlobo zendlu. Uyakwazi ukuhlamba i-bill yakho yokutya ukuze uncede uhlawule iindleko.
Beka iBhajethi yeBones Bones kwiNyanga
Ukuba imali isacacile, kuya kufuneka ubeke isabelomali esingenakubalwa kwenyanga.
Oku kuya kunciphisa yonke imali yakho ngaphandle kweebhili kunye nokutya. Kubalulekile ukulondoloza okungangoko unako kuzo, ngokunjalo. Ukuthatha ixesha lokucwangcisa imenyu kunokukunceda ugcine imali. Cwangcisa ama-rest and eat them for the day of day to save the money more on your total food cost. Ezi zicwangciso zinokukunceda ngokubanzi.
Sebenzisa iNgxowa-mali Yakho yoPhuseleko
Ngokuqhelekileyo, olu hlobo lwenkcitho aluyingozi, kodwa kungcono ukufihla umehluko ngokulondoloza kwakho kunokubeka kwikhadi lesikweletu. Kubalulekile ukuba usebenze ukuze ukhusele ukugcinwa kwakho, nangona ufumanisa ukuba ungene kwi-fund yakho engxamisekileyo inyanga nganye, kufuneka ulungelelanise imimiselo yakho yokuchitha. Ingxowa yakho yexakeka kufuneka ibe yinto yokugqibela ngaphambi kokusebenzisa ikhadi lekhredithi ukuze uphumelele kule meko yezemali.
Sebenzisa iKhadi leMatyala
Kubalulekile ukuba ungathembeli kwiikhadi lakho lekredithi, kodwa ukuba liza phakathi kokutya kwaye ungadli ngenxa yokugqithisa imali, kungcono ukusebenzisa amakhadi akho. Oku kuza nezikhokelo eziqinileyo. Kufuneka uthenge kuphela into oyifunayo, kwaye kufuneka ube kwiluhlu oluthile lokutya. Akufanele ungadli okanye uchithe nayiphi na into ekuzonwabisa. Oku kukugubungela iimfuno zakho ezisisiseko.
Yakha Indawo Yakho
Ukubeka phambili yakho imali ukuze uhlawule nayiphi na imali oyifakayo kwikhadi lakho lesikweletu kwaye wakha kabusha i-fund yakho yengxamisekileyo ngokukhawuleza. Oku akufanele kuthathe ngaphezu kweenyanga okanye ezimbini. Awufuni ukuthwala ibhalansi yekhadi lesikweletu kwaye uhlawule umdla. Ufuna kwakhona ingxowa-mali yakho yokukhawuleza ukuze uhlawule iimeko ezinxamisekileyo ezifana nokulungiswa kwemoto okanye ukulahlekelwa ngumsebenzi wakho.
Akukafaneli kusetyenziswe ukukhwela ibheyili kwi-overspending.
Lungisa iBhajethi yakho
Ukuba uqaphela ukuba unomdla wokuba nemiba efana nale emva kokuthengisa okanye emva kwekhefu, kuya kufuneka ulungelelanise uhlahlo lwabiwo-mali ukuze ungaphinda wenze kwakhona. Thatha ixesha lokuphonononga ngokucophelela into oyisebenzisayo kwaye uhlalutye iindidi zakho zebhajethi ukuze ubeke eceleni imali eyaneleyo yokufihla ezo ndleko. Kwakhona ukutshintsha imali yokuthengisa kunye neeholide kungenza umehluko. Ukuba ufuna ukusebenzisa ikhadi lesikratshi lesitokethi kwizaphulelo, yenza iintlawulo ngaloo mini ngemali ukuhlawula amakhadi. Ezi nyathelo ziyakuthintela ukuba ufune ukujongana nesithintelo semali kwakhona.