Unqobe isinyathelo esibalulekileyo kunazo zonke kwiMatyala eNkululeko
Ukuhlala "ngeendlela zakho" kuthetha ukuba into oyisebenzisayo inyanga nganye ingaphantsi okanye ubuncinane ilingana nomlinganiselo wemali oyifakayo kwinyanga nganye. Kubantu abaninzi, kulula ukuthetha kunokuba kwenziwe. Amakhadi-mboleko, iimali-mboleko, ukugcinwa, kunye nemali yengxamiseko ivumela ukuba uthenge izinto ezininzi kunokuba iholo lakho livumele. Ngelishwa, olo hlobo lendlela yokuphila aluzinzileyo kwaye, ngezinye iinkalo, imali yakho yokuchitha imali iya kufikelela kuwe. Ukulondolozwa kwakho kunye nokufikelela kwekhredithi kuya kuphelelwa kwaye xa kwenzeka, uya kunyanzelwa ukuba wenze utshintsho oluthile okanye ubhekane nokuchithwa kwezimali.
01 Yazi ukuba wenza ntoni.
02 Sebenzisa imali encinane kunokuba ungenise.
Emva kokuba wazi ukuba unokwenza ntoni, ngoko unokugxila ekunciphiseni imali yakho ukuze ulungele umvuzo wakho. Ukuba ungenayo kakade, sebenzisa uhlahlo lwabiwo-mali ukucwangcisa iindleko zakho kwaye ulisebenzise ukugcina imali yakho kwindlela. Ukuba usuvele uzame uhlahlo lwabiwo-mali kwaye aluzange lusebenze, zama kwakhona. Ngamanye amaxesha kufuneka nje wenze utshintsho oluthile kwibhajethi yakho ukuze lusebenze.
Ngamanye amaxesha uhlahlo lwabiwo-mali kwiimeko ezixinzelelekileyo zezemali lukhulu. Zama indlela ebizwa ngokuthi "uhlahlo lwabiwo mali." Bhala phantsi ingeniso yakho, uze uqale ukukhupha iindleko nganye ozihlawulayo ngenyanga. Ukuba ufika kwinani elibi, uchitha imali kakhulu.
03 Khusela ingeniso yakho.
Ukuba iindleko zakho zingabonakali kwaye ungasetyenzisanga imali engaphezu kwakho, ke wenza uncedo lokukhulisa imali engenayo. Ukuba ufumana imali yokubuyisela irhafu, unokukwazi ukulungelelanisa imali yakho yokubamba irhafu ukuze ufumane imali engaphezulu kwi-paycheck yakho. Kufuneka uqinisekise kwakhona ukuba ubhalisele impilo, ukukhubazeka, kunye nezinye iinkampani. Ekugqibeleni, unokufuna ukuba ufumane umsebenzi ophezulu wokuhlawula okanye umqeshwa wesibini ukukunceda ufezekise. Isitshixo kukuba wenze okufuneka ukwenze ukuze wenze imali eyaneleyo yokuhlawula zonke iindleko zakho eziyimfuneko.
04 Yeka ukuthembela kumakhadi-mboleko.
Ukusebenzisa amakhadi ekwereta akuhlali kwiindlela zakho. Xa uceba uhlahlo lwabiwo-mali, gweba ngokupheleleyo amakhadi esikwereti njengendlela yokufikelela. Amakhadi eemboleko akathembekanga njengoko inkampani yakho yekhadi lekhredithi inokunciphisa umda wakho wesikweletu okanye uvale kunye nekhadi lakho lesikweletu nganoma naliphi ixesha ngaphandle kwesixwayiso.
05 Musa ukuzama ukuhambisana namaJones okanye i-Hiltons.
Melana noxinzelelo lokuba nezinto ezifanayo kunye nabantu abakubonayo kunye nabantu abakude kumabonwakude. Unokwazi ukusebenzisa amakhadi-mboleko kunye nokubolekisa ubuncwane bobuqhetseba ixesha elifutshane, kodwa uya kulihlawula kamva, kwaye uza kugqiba ukuhlawula ngaphezulu.
06 Londoloza ukuthenga endaweni yokubeka kwi-credit.
Abantu badla ngokusebenzisa amakhadi ekredithi ngokuthenga okukhulu abakwazi ukuhlawula ngokuchanekileyo, njengomabonwakude omtsha. Esikhundleni sokuhlawula oku kuthengwa ngetyala, zibeka eceleni imali nganye nyanga uze ugcine ukwanele ukuwuthenga ngokuthe ngqo. Ukuba awukwazi ukukwazi ukugcina ukuthenga, ke awukwazi ukuwuthenga.
07 Fumana ingxowa-mali yexakeka.
Ukuba ukonga okunikezelwa kwiimeko ezikhawulezileyo kuya kukugcina ekusebenziseni kumakhadi-ngxowa-mali nanini na unomngcipheko wezezimali. Inkcitho engxamisekileyo yeenyanga ezintathu ukuya kweyesithandathu zeendleko zokuhlala zilungele, kodwa ukuqala nge $ 100 ukuya kwii-200 zamawaka kuya kunceda kwezinye zeengxaki ezincinane ngexesha elide.