Ngokwe-survey ye-CareerBuilder ka-2015, i-61% yabasebenzi bathi bahlala kwikhekhe yokuhlawula.
Inani liphezulu kakhulu kunonyaka odlulileyo xa ama-49% yabasebenzi abika ingxelo yokuhlawula ehlawulayo.
Kutheni ukuhlawula i-Paycheck ku-Paycheck Kubi kakhulu
Ingxaki yokuhlawula i-paycheck ukuhlawula kukuba unomdla wokulimala kwemali. Kulula ukuqokelela ityala lamakhredithi eninzi okanye ngaphezulu, ityala lemali-mboleko ye-payday . Inkokhelo yekhadi lesikweletu oqokelelayo, inkokhelo yakho ephantsi iya kuba. Ngaphambi kokuba uyazi, awuyi kukwazi ukuhlawula iintlawulo zakho ezincinci kwaye awukwazi ukuboleka imali engaphezulu ukuze wenze iziphumo zokudibana.
Ngenxa yokuba ikamva lakho lixhomekeke kwimali yakho yangoku, kufuneka uyeke ukuhlawula imali yokuhlawula ngoku.
Indlela yokuyeka ukuhlawula i-Paycheck ku-Paycheck
Uhlala ehlawulela ukuhlawula nokuba ungabi uhlahlo lwabiwo-mali okanye ngenxa yokuba ungenzi imali eyaneleyo yokukhupha iindleko zakho.
Qala ngokudala uhlahlo-lwabiwo-mali (okanye ukulungisa uhlahlo lwabiwo-mali oluphukileyo). Uhlahlo-lwabiwo-mali luyakunceda uceba indlela yokwenza ininzi yengeniso yakho.
Ukudala uhlahlo lwabiwo-mali kukuvumela ukwazi ngaphambi kwexesha ukuba wenza imali eyaneleyo yokufumana iziphumo zokufumana. Ukuba zonke iindleko zakho zihambelana nebhajethi yakho, ke ingeniso yakho yanele kwaye ukuchitha imali yakho yingxaki.
Ukulandelela yakho imali . Ukuba uhlahlo lwabiwo-mali alusebenzi, landela imali yakho ukuze ufumane apho imali yakho iya khona.
Gcina iirisithi zakho kwiiveki ezimbalwa. Ukwahlula kwiindidi ezinjengegesi kunye nokutya, uze udibanise iirisithi nganye kwicandelo ngalinye. Oku kuya kukuvumela ukuba ubone apho uchitha imali eninzi. Ukuba ukhangele i-intanethi kwaye ngokuyinhloko usebenzisa i-checks kunye nekhadi lakho lokubambisa, unokukwazi ukulanda ukuthengiselana kwakho kwi-Excel okanye isofthiwe ye-finance njengeMint.com.
Sika iindleko zakho . Emva kokuba ufumanisa apho imali iya kuvuza, ungaqala ukuvula iifayile. Le nkqubo ingadinga indlela yokuphila. Umzekelo, ukuba usetyenziselwa ukuthenga i-$ 5 latte yonke imihla ngaphambi komsebenzi (i-$ 100 ngenyanga), ungaqala ukwenza ikhofi ekhaya ($ 20- $ 25 ngenyanga), okanye ungenakho ikhofi ngokupheleleyo. Unokwenza ukuba ulahle ikhefu ebiza kakhulu, kuba ukuba uhlala ehlawulela ukuhlawula, awukwazi ukuyihlawula.
Ukwandisa ingeniso yakho . Ukwandisa ingeniso yakho akusoloko inokwenzeka, kodwa kukho iindlela ngaphandle kokufumana ukuphakanyiswa. Ukuba ufumana imali yokubuyisela irhafu, unokukwazi ukutshintsha imali yokubamba irhafu kwaye ufumane imali engaphezulu kwenyanga yakho. Ewe, oko kuya kuthetha ukuba ufumana imali engaphantsi (ukuba unayo enye), kodwa uya kuba nemali eninzi ukuyisebenzisa ngexesha leenyanga. Unokucinga kwakhona ukusebenza kwexesha-nxalenye okanye ukwenza imali kwicala ngokuzonwabisa.
Qaphela: ukwenza imali engaphezulu akusayi kulungisa isigqibo sakho sokuhlawula kwiingxaki zokuhlawula. I-CareerBuilder ibika ukuba i-30% yabasebenzi abenza amanani amathandathu okanye ngaphezulu bathi baphila ngokuhlawula imali yokuhlawula.
Shintsha isimo sakho sengqondo ngemali . Ngokuqhelekileyo abantu abahlala kwikhekheji ukuhlawula abayizigqibo ezigqithiseleyo zokuchitha imali. Ngamanye amaxesha baqhelisa ukuba bangakanani imali abanokuyichitha baze baphelise imali engaphezulu kunokuba benza ngokwenene. Unokuzifumana uchitha imali eninzi kwizinto ozifunayo kunezinto ozifunayo. Okanye, mhlawumbi kungokuba imali yakho ihamba ngemifuzano ongayizi ukuba yayikho. Kungakhathaliseki ukuba kunjalo, ukusekwa uhlahlo lwabiwo-mali kwaye uhlawule ngokuthe ngqalelo imali yakho kukunceda ubuyele kumzila.