Qalisa Ngoluhlu Lweendleko Zeholide
Okokuqala, kufuneka wenze uluhlu lweendleko zeeholide oza kuba nazo.
Oku kubandakanya izipho ofuna ukuzithenga, amakhadi, iphepha lokufaka, iindleko zokuhamba, ukutshintshana ngezipho emsebenzini, iminikelo yokunceda kunye nemihlobiso. Oku kuya kunika ingcamango ebalulekileyo yezinto oza kuyidinga. Abantu abaninzi bacinga nje ngezipho kwaye bayazibuza ukuba kutheni imali iminyaniswe ngoDisemba nangona bagcine imali yezipho.
Yenza isigqibo malunga nokuchitha kwakho imali
Qinisekisa ukuba uninzi kangakanani ukufumana iindleko zeKrisimesi kulo nyaka. Xa uqwalasela le mali uqiniseke ukuba usebenzisa kuphela imali oyibeke eceleni kwiKrisimesi okanye imali eyongezelelweyo ongayifumana kwisabelomali sakho.
Nika imali kwiCandelo ngalinye
Hlukanisa imali phezu kweentlobo ezahlukeneyo onayo. Oku kuthetha ukunika inani elithile kwisipho ngasinye. Oku kunceda xa ucinga ngengcamango yesipho. Ukuba nexabiso elimiselweyo kukunceda ufumane iingcamango kwixabiso lexabiso.
Yenza uluhlu lokuthenga
Yenza uluhlu lokuthenga iholide.
Kufuneka ube neengcamango enye okanye ezimbini kwi-intengo yamanani ngamnye ngamnye. Ukuba uthatha ixesha lokukhangela iimpapasho zokuthengisa unako ukufumana izipho ezinkulu kumali encinane kunokuba uhlahlowe okanye ungakwazi ukufumana loo mntu isipho esihle.
Ukulandelela Ukusetyenziswa Kwakho
Emva koko qalisa ukuthenga kunye nohlu lwakho.
Kufuneka uthabathe ikhefu lakho lebhajethi. Njengoko uthengela into nganye uyinqamle uluhlu lwakho kwaye uyisuse kwi-budget yakho yesabelomali. Oku kuya kukuxelela ukuba uhlahlo lwabiwo-mali lwenziwa ngamaxesha onke kwaye kwenza kube lula ukwenza utshintsho phakathi kweendidi xa kuyimfuneko. Ukulandelela inkcitho yakho kuyona nto ebalulekileyo kunamathela kwibhajethi yakho.
Iingcebiso:
Yenza ngokwakho intando kwaye unamathele kwinkqubo yenkcitho kuphela . Ukubeka izipho kwikhadi lesikweletu kwenza kube lula ukuchitha imali. Oku kunokunceda ukuba unamathele kubhajethi yakho kwieholide. Isicwangciso esilungileyo ukuba unomfutshane kwimali kwaye wenza uninzi lwezinto ezithengileyo kwivenkile.
Ukuxhamla ngokuthengisa kwe- Black Friday . Umnyango we-buster ungenza imali eninzi. Ukuphonononga uluhlu lwakho kunye nokuthengisa ngaphambi kwexesha kunokukunceda ukwandise imali yakho.
Ukuthengwa kwi-intanethi kunokukugcina imali kunye nexesha njengoko uthengisa ivenkile. Musa ukulibala ukukhangela iikhowudi zokuthumela zamahhala kunye ne-oda ngexesha elininzi ixesha lokuba izipho zakho zifike. Izitolo ezininzi ze-intanethi zinika imali eyongeziweyo kunye nokuthunyelwa kwamahhala kwiveki ye-Black Friday. Qinisekisa ukujonga ukuthengiswa kwe-Cyber ngoMvulo.
Njalo ungeze izipho ezimbalwa ezongezelelweyo kwiluhlu lwakho lokuthenga. Ezi zipho zifanele zibe zizinto eziqhelekileyo xa ufumana isipho esimangalisayo okanye ukhohlwa ukuthenga umntu. Iyakwenza lula ingqondo yakho kwaye ikugcine ungabhenki ukuze ufumane into emfutshane yokugqibela.
Unokufumana imali eyongezelelweyo ukuze uhlawule iindleko zakho zeeholide ngokuthatha umsebenzi weeholide. Esi sinokuba isisombululo esifanelekileyo sexesha elifutshane ukuba ubalekele uhlahlo lwabiwo-mali ngeeholide ngexesha lonyaka.
Qala ukusindisa ngoJanuwari ukwenza ukuthenga kwiKrisimesi kulula. Ukuba ubeka eceleni imali nganye ngenyanga ukuze uhlawule iindleko zakho zeKrismesi, awudingi ukukhathazeka ngokufumana imali yezipho okanye iindwendwe ofuna ukuzenza ngexesha leeholide. Khangela isixa osichithayo kulo nyaka kwaye uwahlule ngokulishumi elinambini. Lo ngumlinganiselo omele uwusindise inyanga nganye. Ukuba ufuna ukwazi ukuchitha ngaphezulu, ndiye uzama ukubeka eceleni enye inyanga nganye. Ukugcina i-$ 50 eyongezelelweyo idola nganye ngenyanga kuza kukunika i-R6 600 kwiKrisimesi, ngelixa ugcina i-$ 100 ngenyanga nganye kukunika i-$ 1,200 eyongezelelweyo.