Uxakeka lwezezimali unokuza ngendlela yokulahlekelwa ngumsebenzi, iindleko zonyango ezibalulekileyo, ukulungiswa ekhaya okanye ukulungiswa kwemoto okanye into ongazange uyiphuphe.
Into yokugqibela ofuna ukuyenza iyanyanzeliswa ukuba ithembele kumakhadi-mboleko okanye mboleko engayenza nje ingxaki.
Imephu Yakho Imali Yakho Yenyanga
Abacebisi abaninzi bezezimali bavuma ukuba kulungile ukuhlala phakathi kweenyanga ezintathu ukuya ezintandathu zokuhlala kweendleko ezibekelwe eceleni kwi-fund yakho yengxamisekileyo. Le nyathelo lokuqala ofuna ukuyiqwalasela xa ulungiselela i-fund yakho yengxamisekileyo. Qinisekisa ukuba uqwalasela iindleko ezizinzileyo kunye nezichaseneyo xa uqikelela ukuba kufuneka ubeke eceleni. Ezi zilandelayo ziindidi zeendleko ezithile ezizimeleyo neziguquguqukayo ozimele uziqwalasele:
- Iindleko zezindlu: irenti okanye imali yokuthenga impahla , izibonelelo
- Ininshurensi: inshorensi yobomi, i-inshurensi yeenrenti, iinshurensi yomninikhaya
- Imirhumo: iFICA kunye nentlawulo yengeniso
- Ukuhlawula amatyala: ityala lekhadi lesikweletu, iimali-mboleko zabafundi , iimali-mboleko zemoto
- Unonophelo lwempilo : i- inshurensi yempilo kunye neengqondo
- Ukunyamekelwa kwabantwana: ukuba kukho, ukunakekelwa kwamasango okanye iindleko zobuntwana
- Iindleko zokuphila komuntu siqu: ukutya, izinto ezizezakho
- Izithuthi: i- gas, iteksi, okanye izithuthi zikawonkewonke
Emva kokuba uthathe ixesha lokubala ukuba uchitheka kangakanani na ezi zigaba rhoqo ngenyanga, unako ukucacisa ukuba ufuna kangakanani kwi-fund yakho engxamisekileyo. Ukuba utshatile okanye uhlala nabanye bakho, qiniseka ukubala iindleko njengoko kuhambelana nawe bobabini ukuze ukwazi ukuchaneka ukuba ufuna kangakanani kwi-fund yakho.
Qalisa ukuqokelela iiNgxowa kwiNgxowa-mali yakho yoxinzelelo
Ukuba awunayo ingxowa-mali yongxamiseko okwangoku, okanye ufumanisa nzima ukuba ulondoloze imali okhiye ukuba uqale encinci. Ukuqokelela iindleko zenyanga enye kuya kuthatha ixesha, kodwa ukuba ubeka iinjongo zakho ngokukhawuleza ukuba ube mncinane kwaye ulawulwe, uya kuba nethuba elingcono lokufikelela kuzo.
Indlela eyona ndlela yokuqala iqalisa mhlawumbi ibe ngebhanki yakho okanye umanyano wesikweletu. Vula i-akhawunti entsha yokulondoloza ukuba okwangoku awunayo kwaye uqale ukugcina ngale nto yokuqala. Isinyathelo esilandelayo kukuba ungene kumkhwa wokwenza idiphozi rhoqo kule akhawunti. Enoba iiveki nganye, ngeveki nganye okanye ngenyanga, yakha ishedyuli kwaye unamathele kuyo. Emva kokuba wenze ukonga okuzenzekelayo awuyi kucinga ukuba ungayifumani.
Ukuba uvakalelwa kunzima ukuqala ukugcina nje qalisa ngemali encinci. Mhlawumbi uqala nge $ 10 ngeveki ekuqaleni. Ngoxa le nto ayiyi kuhlanganisa konke okukhawuleza into ebalulekileyo kukuba uqale ukubeka into ethile kwaye uyenze umkhuba. Emva kweveki ezimbalwa, awuyi kubona ukuba i-$ 10 ayilahlekanga ukwenzela ukuba ungayihlahlela i-$ 15 okanye i-$ 20 emva kwenyanga okanye njalo. Uya kuqala ukusebenzisa loo mali engekho kwaye unokwandisa kwakhona.
Yenza i-Akhawunti Yakho Yogcino Yengxowa-mali
Ufuna i-fund yakho yexakeka ngokukhawuleza ukuba ifumaneke lula nanini na.
Kufuneka uqale nge- akhawunti yokulondoloza kuba kulula ukuyisebenzisa kwaye ngokuqhelekileyo ayihlawuli nto. Into ebaluleke kakhulu yinto ebalulekileyo xa uqala. Njengoko i-akhawunti yakho ikhula ungayifumana i-akhawunti efumana inzala efanelekileyo ukuze imali yakho isebenzele. Ngokulandela la mathathu mathathu, uya kuhamba ngendlela yakho ukuze ulungele nayiphi na imeko ephumela ekulahlekelweni kwezimali okungalindelekanga.