Xa uhlala kunye kodwa ungatshatanga, akuyona into efanelekileyo yokudibanisa iimali. Awunaso ukukhuselwa okufanayo njengokungathi utshatile. Isabelomali sekhaya senzelwe ukuhlawula kuphela iindleko ekhaya. Unokwenza uhlahlo lwabiwo lwekhaya kunye nesoka lakho okanye intombi xa uhamba kunye.
Ukuze utshate, kufuneka ugcine uninzi lweendleko zakho ezihlukeneyo ukuze uzikhusele kwisiganeko owahlula ngaso. Awufumani ukukhuselwa okufanayo phantsi komthetho ukuba ungatshatanga, ngoko kufuneka uzenzele ukhuseleko xa kwenzeka le nto.
01 Qinisekisa iindleko oza kubelana ngazo
Njengesiqabane, kufuneka uhlale kunye kunye nokuqonda ngokuvisanayo kwento ocinga ukuba kufuneka ifunyenwe phantsi kweendleko zendlu. Kufanele ube nengxowa-mali engxamisekileyo yemali ye-$ 1,000 ukuze uhlawule iindleko zongxamiseko. Uya kufuneka uvumelane ngemali yerenti ozimisele ukuhlawula kunye.
02 Beka Igalelo leNkxaso yakho
Ezinye izizwe ziza kuthetha ukuba ngamnye makangenise ama-50 ekhulwini kwindleko zendlu kwi-bhajethi ekubeni uhlala kunye kwaye ukwahlula iindleko, kodwa le yindlela engcono kakhulu yokwenza oku.
Ngokuqhelekileyo umntu omnye wenza ngaphezulu komnye umntu, kwaye iipesenti ezingamashumi amahlanu zeendleko zingabangela ukukhubazeka kumntu owenza imali encinci.
Ukunika ipesenti enye yemali engenayo yindlela engcono yokuyiphatha. Ngaloo ndlela bobabili unokuba negalelo kumhlala-phantsi kwaye uzigubungele ezinye iindleko ngaphandle kokukhubazeka ngexabiso lakho leenyanga.
03 Jonga Umrhumo wakho Wexabiso
Ukufumanisa ukuba unani elichaphazelayo kufuneka udibanise imali kunye nebhajethi yakho yonke indlu. Emva koko uzahlula umrhumo wakho omkhulu ngokuhlawula ibhajethi yakho.
Ipesenti oyifumanayo ipesenti ngamnye kufuneka abe negalelo. Umzekelo, ukuba wenza i-$ 6000 ngenyanga kwaye iqabane lakho lenza i-$ 4000 kunye nexabiso lakho lebhajethi yekhaya li-$ 2500 ngenyanga, kwaye uya kwongeza i-$ 6000 kunye ne-$ 4000.
Uzahlula uhlahlo lwabiwo-mali wama-2500 nge-10000 ye-$ 100 ukuya kufumana ipesenteji ezingamashumi amabini anesithandathu. Uya kufaka i-$ 1500 kwaye iqabane lakho liza kufaka i-$ 1000 kwi-$ 2500.
04 Vula i-Akhawunti yokuhlola eyiyo
Kufuneka uvule i- akhawunti yokutshekisha eyahlukileyo nje ngeendleko zendlu yakho. Kumele ube ngabangena ngemvume kwi-akhawunti kwaye ube nomhla obekiweyo apho wenze idiphozithi kule akhawunti ukuze uhlawule iindleko zenyanga.
Emva koko uya kuhlawula iindleko ozifake kwi-budget yakho yasekhaya kule akhawunti. Oku kuya kukhusela enye imali xa iqabane lakho lenza izigqibo zezemali ezibi kwaye yenza kube lula ukwahlula izinto xa ukwahlula kwixesha elizayo.
Ukumboza zonke iindleko zekhaya ngale akhawunti kuya kukuthintela ukuba usebenze ngekhadi lesikweletu okanye ungene kwi-imali yakho yokugcina iindleko ezabelwana ngazo. Kuya kuba ngcono ukuba ne- akhawunti kwibhankini eyahlukileyo kwi-akhawunti yakho yasekuqaleni.
05 Izinto ojongene nazo
Kufuneka ube nexanduva lokuhlawula imoto yakho, inshuwalense yemoto kunye nezinye iindleko. Kufuneka uthenge iingubo zakho, ukumboza iinwele zakho kunye nezinto zokunyamekela. Ukuba uthengela wena okanye ngabahlobo ngaphandle kweqabane lakho kufuneka uhlawule loo mali yakho.
Ukongezelela, kufuneka ube negalelo leshumi elinesihlanu kwipesenti yengeniso yakho engaphezulu kwimali yakho yomhlalaphantsi . Unembopheleleko kuphela yiphina imboleko okanye amakhadi enkokhelo oye waphuma. Uya kufuneka uhlawule iibhilikhwe zonyango kunye ne-inshurensi.
Kufuneka ube neengxowa-mali zakho ezixakeka kwiinyanga ezi-ezintandathu zeendleko zakho, kubandakanywa nento oya kuba negalelo kwiakhawunti yakho yasekhaya. Kufuneka uhlalutye uhlahlo lwabiwo-mali ukuze uqiniseke ukuba luhambelana neepesenti ezifanelekileyo zokuchitha nokugcina.
06 Uhlahlo lwabiwo lweMali oyiNtlawulo yakho
Kufuneka ube nohlahlo lwabiwo-mali lwakho olusekwe ukulawula ukusetyenziswa kwakho kwemali kunye nokukunceda ukuba uphume kwetyala . Olu luhlahlo lwabiwo-mali luyakunceda ukuba uhlale kumzila weeminikelo zakho zomhlalaphantsi kwaye ukhusele ukuba ungene kwiimeko ezibi zezemali.
Ungayilandela imithetho eqhelekileyo yohlahlo lwabiwo-mali xa ubeka olu bhajethi, kodwa kufuneka uhlawule kuphela izinto kule bhajethi kwi-akhawunti yakho yokujonga. Qinisekisa ukuba awulibali iindidi zebhajethi eziqhelekileyo . Ungaphinda ufune uluhlu olubekelwe bucala ngenxa yeendleko ezingalindelekanga okanye ezingavumelekanga ezifana nokuya emtshatweni womhlobo .
Unokufuna ukwenza uhlahlo lwabiwo-mali lwangonyaka ngalolu hlobo lwenkcitho ukuqinisekisa ukuba usebenza ukufikelela kwiinjongo zakho zemali.Ukuba usebenza ikhomishini kuphela, kufuneka kubakho isicwangciso- mali sekhomishini esikuyo ukukunceda ukulawula ezi ndleko nganye ngenyanga. Unokwenza lo msebenzi ngokuthi ube neentlanganiso zebhajethi zeveki .
07 Ukugcina iindleko ezahlukileyo
Kubalulekile ukuba bobabili ugcine iindleko zakho zangaphandle ezahlukileyo kwiakhawunti yakho yasekhaya. Akufanele uthenge into kunye uze utshatile, kungekhona nje ukubandakanya.
Ukuthenga ikhaya okanye imoto kunye kunye nokwenza ukwahlula kunzima. Ukuba ufuna ukuyigcina ukuhlawula xa ufumana isatshati, ungagcina ngokwahlukileyo kwaye uchaze inkqubela yakho.
Emva kokutshata kufuneka uhlaziywe kwakhona uhlahlo lwabiwo-mali kwaye uquka zonke iindleko zakho kunye. Ukuba unabantwana kunye kwaye ungatshatanga, kufuneka udibanise zonke iindleko zokunakekela abantwana kwibhajethi yekhaya, equka ifomula, ukutya, iimpahla, ukunakekelwa kwezonyango kunye neendleko zonyango.
Oku kuya kwenza kube lula ukuba ulwahlula ngenxa yokudluliselwa komsebenzi kwiqabane elinye. kuya kukuvumela ukuba ugxininise ekubuthathaka kohlahlo lwabiwo-mali , kunokujonga indlela umlingane wakho ochitha ngayo imali.