Indlela yokunamathela kwiBhajethi yakho (ngaphandle kokulahlekelwa ingqondo yakho)

Unengxaki yohlahlo lwabiwo-mali? Musani ukuyeka!

Uhlahlo lwabiwo-mali alufanele lube lukhuni. Enyanisweni, kulula ukuyenza ngokwakho, mhlawumbi uya kuba unamathela kuyo.

Ngoko masiyeke umfanekiso wohlahlo lwabiwo-mali njengenombolo-crunching, ukuzikhanyela kunye nokujonga ezinye iindlela ongenza kube lula ngathi kunokwenzeka .

Iingcebiso ezilandelayo ezi 10 ziya kukunceda uhlale umkhondo kwaye uhambelane nenyanga yakho yebhajethi emva kwenyanga, ngaphandle kokuba uzive ulahlwe okanye ucinezelekile.

10 Iingcebiso zohlahlo lwabiwo-mali

1. Ukuzenzekelayo Iintlawulo Zakho
   Yeka ukukhathazeka malunga noko kufuneke xa kwaye usethe iibhilikhwe zakho ukuba uchithe ngokuzenzekelayo kwi-akhawunti yakho yokujonga nganye inyanga. Ayikho invoyisi ukulandelela, ukuhlola ukuthumela i-imeyili okanye iifizi zokugqibela ukujongana nazo .

2. Zihlawule Okokuqala
   Ungakwazi kwakhona ukusetha ngokuchithwa ngokuzenzekelayo ukusuka ekutshekeni kwirekhodi yakho yokugcina imali nganye ngenyanga ukuqinisekisa ukuba udibana neenjongo zakho zokulondoloza. Oku kukuyeka ngokungahambi kakuhle le mali kwezinye izinto kuba "kungabonakali, ngaphandle kwengqondo."

3. Khetha i-System elula ukuyisebenzisa
   Ingaba ukhetha ukusebenzisa isofthiwe yohlahlo lwabiwo-mali , i-Excel spreadsheet, okanye inkqubo ye-imvulophu, khetha inkqubo yohlahlo lwabiwo-mali evakalelwa enembile kwaye iyaqondakala kuwe. Kulula ukuba uyisebenzise, ​​mhlawumbi uya kuba unamathela kuyo.

4. Yisonge yonke
   Unenkathazo yokukhumbula ukugcina nganye irisidi ukuze ukwazi ukulandelela imali yakho? (Okanye unqabe ukwenza oko?) Emva koko ujikeleze ukuthenga kwakho kwidola elisondeleyo endaweni yoko.Ukuba uyazi ukuba uchithe i-$ 5-into ethile kwikhofi kunye neefestile, ungene nje kwisabelomali sakho njenge $ 6. Oku kuya kuqinisekisa ukuba naziphi na iimpazamo zeemathematika ziyakuthandayo, ekubeni uhlahlo lwabiwo-mali ngaphezu kweyona nto uchithileyo, kwaye kuya kunciphisa ngokukhawuleza inqaku lekhanda lokulandelela yonke i-cent cent.

1. Cwangciso seZindleko ezongezelelweyo
   Uninzi lweenyanga, into eyenzekayo ihamba ngebhajethi yakho , nokuba ingaba yinkinga engumngcipheko kwimoto yakho okanye ekhoyo, kufuneka uyithengele umhla wokuzalwa komhlobo wakho (owawulibala ngokupheleleyo). Zinike ikamelo elincinci kwisabelo-mali sakho ngokucwangcisa iindleko ezingalindelekanga. Ukongeza kwindleko yakho yokugcinwa rhoqo, qalisa "iindleko ezingenakucwangciswa" uhlawula igalelo lakho kwinyanga nganye. Oku kuza kubandakanya nayiphi na iindleko ezityhawulezayo ezitshalayo ngaphandle kokuthumela uhlahlo lwabiwo-mali kwiilayili.

1. Roll nge Punches
   Izinto ziguquka ukusuka ngenyanga ukuya kwenyanga. Ibhilikhi yethu yombane iphakanyiswa phezulu kunokuba sasilindele ukuba, okanye siyichitha ngokungaqhelekanga kwisitolo sokutya kunokuba sasifanele. Ubomi bwenzeka, kwaye senza iimpazamo. Akusiyo isiphelo sehlabathi. Konke okufuneka ukwenze yenze uhlengahlengiso njengoko uhamba. Ukuba uhamba kunoma yimuphi udidi lwesabelomali, fumana iindlela ongayihlamba ngayo enye idola. Mhlawumbi unokweqa ukutya okokuphela kweliveki okanye ufumane ubugcisa kunye neleyo ukuze wenze ukutya kwakho kudlule ixesha elide. Ungacingi ukuba i-overage iphutha lokudlala umdlalo; fumana indlela yokwenza umsebenzi kwaye ucinezele.

2. Thatha iBhajethi yakho kunye nawe
   Ukujongana neenjongo akukwenzi into eninzi ukuba awukwazi ukukhumbula oko. Ngoko ungashiyi loo bhajethi ekhaya xa uthengela. Thatha kunye nawe ukukhumbuza ukuba unani leqela ngalinye kunye nokuba uchithe ixesha elingakanani kule nyanga. Ngokubanzi kweenkqubo zokusebenza zohlahlo lwabiwo-mali kunye nokukhethwa kwefu okukhoyo, kulula ngakumbi kunanini ngaphambili ukufikelela kwibhajethi yakho ngqo kwi-smartphone yakho.

3. Musa ukulibala ukuziphatha
   Kulula ukuziva udimazekile xa uhlahlo lwabiwo-mali luyekanga indawo yolonwabo oluthile ebomini bakho. Ngaphandle kwezinto ezincinci, njengendlela yokuya kwiimviezo okanye kwibha yokutya kwi-check-out, kunokukunceda uhlale unomoya kwaye ukhusele ukuba ungafuni ukuhlawula ibhajethi yakho. Vumela imali encinci yokuzonwabisa, inetyala, nangona i-$ 10- $ 20 kuphela ngenyanga.

1. Yenza umdlalo ngaphandle kwayo
   Kunokuba ubone uhlahlo lwabiwo-mali njengomxhaphazi ekutshilo into onokuyenza kwaye ongenakuyenza, zama ukujonga njengengxaki. Zibekele iinjongo ezifana nokuza kwi-$ 10 phantsi kwebhajethi yakho yokuzonwabisa kule nyanga, ukufumana ezininzi iinketho zokuzonwabisa ezikhululekile, okanye ukubona ukuba ungazikhanda kangakanani isicwangciso sakho sefowuni kunye nentsebenziswano encinane yenkonzo yabathengi. Awuyi kuphucula kuphela uhlahlo lwabiwo-mali lwenyanga nganye ngokwenza oku, kodwa uya kwongeza kwinto encinci yokuzonwabisa ukuze wenze umdla.

2. Khumbula Iinjongo Zakho
   Xa izinto ziba nzima okanye zixinzezeleke, zikhumbuze isizathu sokuba wenza oko kuqala. Uhlahlo lwabiwo-mali luyakunceda ukuba ulondoloze iinjongo zakho ezinkulu, ukunciphisa ityala lakho ukuze uphume kuloo msebenzi owamthiyile, ugcine umtya owanika uxolo-lwengqondo, kwaye ufumane indlela yokuphila kwamaphupha akho. Kungaba lula ukulahlekelwa umkhondo waloo msebenzi wemihla ngemihla yokucinga ngemali yakho. Gcina isikhumbuzo seenjongo zakho zokuzichukumisa ukuze uqalise ukubona uhlahlo lwabiwo-mali lwakho oluhle kunokuba lubi.