Xa uhlala ukuhlawula ukuhlawula, uhlala ukhawuleza ukufikelela kwimiphumo okanye ukuphuma kwemali ngaphambi kokuphela kwenyanga . Oku kunokubandezeleka kuba uvakalelwa kukuba awunakho ukukhawulela zonke iindleko kwaye uhlawule izinto ozifunayo kwinyanga yonke. Xa uhlala ehlawula ukuhlawula imali, akunakwenzeka ukuba ufike phambili kwimali. Awucwangcanga phambili okanye ubeka imali eceleni ukuze uhlawule iindleko ezinkulu. Unako ukukwazi ukujongana ne-$ 500 engxamisekileyo . Ngokuqhelekileyo usuphelela ngaphezu kwe-overspending inyanga nganye, kwaye uqhuba isikhephe esincinci senyanga nganye. Kubalulekile ukuyeka ukuhlawula umvuzo wokuhlawula imali ukuze uqale ukufikelela kwiinjongo zakho zemali . Ukuba umqeshi wakho ukuhlawula ngekhadi lokubhadela , kufuneka kube nzima nakakhulu ukuyeka ukuhlala kwi-paycheck ukuhlawula imali, kodwa unokwenza. Ezi nyathelo zinokukunceda ukuba uqale uthuthuke ngokwezimali.
01 Funda uhlahlo lwabiwo-mali
Into ebalulekileyo ongayenza kukuba ufunde uhlahlo lwabiwo-mali ngokufanelekileyo . Nabani na onokubhala phantsi uhlahlo lwabiwo mali. Kuthatha nje imizuzu embalwa, kwaye kukho iindlela ezahlukeneyo ongazithatha ukuza kunye nebhajethi yakho. Kodwa kubhala uhlahlo lwabiwo-mali kwaye ngokuqinisekileyo uhlahlo lwabiwo-mali zizinto ezimbini ezahlukileyo. Xa uhlahlo lwabiwo-mali ngokuchanekileyo ulandelela imali yakho, kwaye uyayeka xa uphuma ngemali.
Uhlahlo lwabiwo-mali luye lwazo zonke iindleko zakho ezakhelwe kuyo, ngoko awuyi kuthatyathwa xa ubhaliso lwakho lweemoto kunye neerhafu zihlawulwa okanye xa kufuneka uhlawule iiprimiyam. iindleko ebusika. Le nyathelo elona likhulu kakhulu ukuyeka ukuhlala kwi-paycheck ukuhlawula. Iyakunqanda ukuba ube nexesha apho uhamba khona kwaye usuphelile ukushaya yonke imali yakho yonke imali .
02 Khawula emva kokuchitha imali
Isihluthulelo sokwehlisa kwakhona kukutshintshisa ukuba usebenzise i-$ 50.00 ngaphantsi kweveki kwimpahla yokuthenga okanye isixa esilandelayo nesabelomali sakho. Ukuba usebenza ekunciphiseni ngokunyuka, kulawulwa ngakumbi kwaye uya kuba nokuphumelela ekunciphiseni. Esikhundleni sokutshatyalaliswa ngokupheleleyo kwinqanaba elilodwa, zama ukunciphisa ukuchitha kwiindidi eziliqela nge $ 10.00 okanye nge-20.00 ngenyanga. Oku kuya kwandisa ngokukhawuleza, kwaye unokuzama ukunciphisa enye inyanga ezayo.
03 Beka Imali Ngaphandle Kwinyanga nganye
Qinisekisa ukuba awuyi kungena kwi-savings yakho xa uqala ukuyibeka eceleni.Ukuba uyazi ukuba uzakuhendeka ukuba udibanise kwi-savings yakho, cinga ukwenza kube nzima ukukwenza ngokuvula i-akhawunti yokulondoloza inthanethi okanye ukubeka imali kwibhanki ehlukeneyo. Ukuba uyazi ukuba kuya kuthatha iintsuku ezimbini okanye ezintathu okanye uhambo olongezelelweyo ukuya kwibhankini ukufikelela kwimali, kunokukunceda ukuyeka ukuthenga kwakho ukucinga, kuba kuya kuthatha ixesha elongezelelweyo lokufikelela kwimali.
04 Phuma kwiMatyala kwaye Yeka ukusebenzisa iiKhadi zakho zeMatyala
Uhlahlo lwabiwo-mali luyakunceda ufumane imali eyongezelelweyo oyifunayo ukubeka ityala lakho ngenyanga. Gwema ukuthatha imali mboleko yemoto okanye ezinye iintlobo zemboleko uze uhlawule ngokupheleleyo ityala lakho. Ingxowa yakho yexakeka-mali ingakunceda ukuhlawula imoto nokulungisa ezinye iindleko ezingalindelekanga ukuze ungathembeli kumakhadi wakho ekwereta ukuze uphume kwiimeko ezinzima. Ukuba ufuna ukukhawuleza ukuhlawula ityala lakho, unokufuna ukuthatha umsebenzi wecandelo elongezelelweyo. Beka yonke imali oyenzayo kuyo ityala lakho. Xa unetyala elingenamali, unokuyeka umsebenzi kwaye ube semeko engcono yezemali.