Misela iNgeniso Yakho
Kufuneka ukwazi ukuba uza kuba neyiphi imali eyoyinyanga nganye ukuhlangabezana neendleko zakho. Ukuba uqala umsebenzi omtsha unokufuna ukusebenzisa i-calculator yokubala ukufumana imali enokuyizisa ekhaya ngenyanga.
Unokumangaliswa kumfanekiso. Ukuba unemivuzo echaseneyo , uya kufuna ukuseta isicwangciso sebhajethi eyahlukeneyo kwaye ufunde ukulawula ingeniso yakho engafanelekanga. Kubalulekile ukwazi kakuhle kangakanani ukungena kwakho ukuze ukwazi ukuba unako ukuchitha ixesha elingakanani.
Qinisekisa iiNkcitho zakho eziThengisiweyo
Iindleko zakho ezizinzileyo zizinto ezingeke zitshintshe ukusuka kwenyanga ukuya kwenyanga. Ezi zinto zingabandakanya ukurenta, ukuhlawula imoto, inshuwalense yemoto , i-bill yakho kagesi kunye nemboleko yakho yomfundi . Kufuneka udibanise ukugcinwa kweli candelo kunye. Kubalulekile ukuzihlawula kuqala. Ngokufanelekileyo, kufuneka ubeke ubuncinane iipesenti ezilishumi zemali engenayo kwi-savings ngenyanga. Iindleko zakho ezizinzileyo iindleko ezingeke zitshintshe ukusuka kwinyanga ukuya kwinyanga, kodwa xa usuqalisile uhlahlo lwabiwo-mali unako ukukwazi ukunciphisa ezo ndleko zenyanga ngokuthenga ezantsi izicwangciso ezintsha.
Qinisekisa iindleko zakho eziguquguqukayo
Emva kokuba ubhale iindleko zakho ezizinzileyo uzakufuna ukugqiba imali oyisebenzisayo kwiindleko eziguquguqukayo .
Ezi zinto zingabandakanya ukutya kwakho, ukutya ngaphandle, iimpahla kunye nokuzonwabisa. Ezi ziyakucatshangelwa ukuba ziguquguquke ngenxa yokuba unokunciphisa indlela ochitha ngayo kula mahlelo xa ufuna inyanga nganye. Unokugqiba oko uchithayo ngokuphonononga iinyanga ezimbini okanye ezintathu zokuthengiselana kwakho kwicandelo ngalinye.
Qiniseka ukuba uquka iindleko zonyaka njengoko uceba uhlahlo lwabiwo-mali. Unokucwangcisa iindleko zonyaka ngokubeka eceleni imali encinyiweyo nganye ukuyivala.
Thelekisa iindleko zakho kwiNgeniso yakho
Ngokufanelekileyo, kufuneka udale uhlahlo lwabiwo-mali apho iindleko zakho eziphumayo zifanisa umvuzo wakho. Ukuba ubeka yonke idola indawo ethile ebizwa ngokuba yi-zero-dollar budget. Ukuba amaxabiso akho ahambelani uya kufuneka ulungele ngokufanelekileyo. Unokudinga ukubuyisela emuva kwiindleko zakho eziguquguqukayo.
Ukuba unemali eyongezelelweyo ekupheleni kwenyanga, zizuze ngokubeka loo mali ngqo kwi-savings. Ukuba unqande kakhulu kwiindleko zakho ezichaseneyo kwaye awukwazi ukuhlangabezana neendleko zakho ezizinzileyo, uya kufuna ukufumana iindlela zokutshintsha iindleko zakho ezihleliweyo. Enye indlela ukufumana indlela yokwandisa ingeniso yakho ngomsebenzi owongezelelweyo, umsebenzi wokuzimela okanye ukukhangela umsebenzi omtsha ohlawulekayo.
Ukulandelela iindleko zakho
Emva kokuba ubeke uhlahlo lwabiwo-mali kufuneka ulandele iindleko zakho kwicandelo ngalinye. Unokwenza oku nge- software yesabelomali, okanye nge-intanethi ye-intanethi njengeYNAB okanye iMint okanye kwiphepha le- ledger . Kufuneka ube noqikelelo lwento enayo kwicandelo ngalinye ngamaxesha onke.
Oku kuya kunceda ukukhusela u kusuka kwi-overspending.
Ukuba uhlala phantsi imizuzu embalwa ngosuku uya kufumana ukuba uchithe ixesha elingaphantsi koko uya kuyenza xa ubeka konke kude kube sekupheleni kwenyanga. Ukulandelela iindleko zakho ngalunye suku kuya kukuvumela ukuba wazi ixesha lokuyeka ukuchitha. Unokutshintshela kwinkqubo yemvulophu kwaye usebenzise imali ukuze ukwazi ukuyeka ukuchitha xa uphuma ngemali.
Lungisa njengoko kufuneka
Unokwenza utshintsho lula kwinyanga yonke. Unakho ukulungiswa kwemoto engxamisekileyo. Unokuhambisa imali kwiqela lakho lokutya ukuze uncedise iindleko zokulungiswa. Njengoko uhambisa imali ngeenxa zonke qiniseka ukuba wenze njalo kwisabelomali sakho.Lesi sitshixo sokwenza uhlahlo lwabiwo-mali lwakho lusebenze. inokukunceda ukujongana neendleko ezingalindelekanga kwaye unqande ukuthembela kumakhadi wakho ekwereta ukuba kwenzeka ukuba uchithe imali yenyanga.
Hlola iBhajethi yakho
Emva kokuba ulandele uhlahlo lwabiwo lwenyanga, unokufumanisa ukuba unokunqanda kwiindawo ezimbalwa, ngelixa ufuna imali eminye kwabanye.
Kufuneka uqhubeke uhlahlo lwabiwo-mali uze usebenzele wena. Unokuvavanya ekupheleni kwenyanga nganye kwaye wenze utshintsho ngokwezindleko kwiinyanga ezizayo. Kufuneka uhlalutye uhlahlo lwabiwo mali rhoqo ngenyanga. Oku kuya kukunceda ulungelelanise imali yakho njengoko ubomi bakho butshintsha kwaye imali yakho iyanda kwiindawo ezahlukeneyo.
Iingcebiso zohlahlo lwabiwo-mali:
- Xa usebenza kwikhomishini, kuya kufuneka ulandele isicwangciso esiluhlukileyo omele usebenze nayo njengebhajethi eguquguqukayo, kodwa ube nobudlova ekusindiseni ukukunceda ukukhawuleza amaxesha xa i-marhwebo ityeba.
- Kungathatha ixesha ukwenza uhlahlo lwabiwo-mali luqale ukusebenza. Ukuba uhamba kwiingxaki unokuba ufuna ukuzama enye yalezi zilungiso zebhajethi . Ukuqala kuhlahlo lwabiwo-mali linye nje lamanyathelo onokuthatha ukuze uqale ukucoca iimali zakho namhlanje. Unokuzama kwakhona ezi ntlanu zohlahlo lwabiwo-mali ukuze usebenze ngcono.
- Njengoko ulungele uhlahlo lwabiwo-mali, kubalulekile ukugcina imali yakho, iibill, kunye neenjongo zokulondoloza ngokulinganisela. Unokwenza oku ngokusebenzisa ulawulo lwe- 50/20/30 ngeendleko zakho.Ungaphinda ukhangele iindlela ezintsha zokugcina imali ngenyanga
- Hlola ezinye izakhono zezezimali omele ufunde ngazo xa usesikolweni esiphakeme. Bangakwazi ukulawula imali yakho lula kakhulu. Akukaze kube mva ukuqala ukulawula imali yakho kwaye utshintshe imeko yakho.