Iindlela ezi-3 zokwenza i-Balance yakho
Sonke siyazi le formula: gcina ngaphezulu kwaye uchithe ngaphantsi.
Olu lwazi ludla ngokwaneleyo, kodwa iingcebiso ezingezantsi zinokukunceda ukuba uzikhuphe. Ngaphambi kokuba ungene kumaqhinga, kukuqiqa ukucinga ngeenjongo zakho (izinto ofuna zona, nokuba kutheni ufuna ) - eziya kwenza inkqubo eninzi ibekezele kwaye iphucule amathuba akho okuphumelela.
Zihlawule Okokuqala
Enye yezinyathelo ezibalulekileyo ezithathayo kukubeka phambili ukugcina. Mhlawumbi uyazi kakuhle ukuba ungaphila inyanga nganye kwizindlu (inkokhelo yakho okanye inkokhelo yokuboleka imali) - kufuneka wenze loo ntlawulo okanye uphuma kwisitrato. Ngaba unokuthetha okufanayo ngemali oyifakeyo kwikhuseleko lwakho lwezezimali?
Iingcebiso ezilungileyo kukuba "uzihlawule kuqala" oku kuthetha ukuqiniseka ukuba ugcina imali. Xa kuba yinto ephambili - ingakumbi ukuba ngumbandela wecala kwibhajethi yakho okanye inkqubo ozenzekelayo ongayilibala ngayo - ingaba yinyani. Ukuba nomnqweno ongeyena wokugcina ubuninzi abaneleyo kubantu abaninzi.
Ungaqala njani ukwenza oku namhlanje ?
- Yenza i- akhawunti yokulondolozwa kwe-intanethi kunye nokutshintshwa kweenyanga ngokuzenzekelayo kule akhawunti (qalisa ngeedola ezimbalwa ukuba konke oko unokukwazi ukukwenza)
- Tshela umqeshi wakho ukuba athumele i-paycheck yakho kwi-akhawunti yokulondoloza - kungekhona i-akhawunti yokujonga oyisebenzisayo imihla ngemihla (kwaye uhoxise imali evela)
- Bhalisela isicwangciso somhlala-phantsi somqeshi wakho
- Ukuba usebenzisa uhlahlo lwabiwo-mali, yakha uluhlu olutsha lwe "Savings Monthly"
Funda kabanzi malunga nendlela ozozihlawula ngayo ngokuthe ngqo.
Lawula u kuchitha
Ukuba uhlala esikhepheni esivulekileyo, kufuneka ulungise ingxaki ngokukhawuleza. Ukulungiswa okukhawuleza kubantu abaninzi kukunciphisa iindleko. Kwakhona kuyona nto ibuhlungu kakhulu (kwaye ingenokuba yona iphumelele kakhulu), kodwa kuyimfuneko ukuba ufuna ukwandisa ukonga kwakho.
Uyenza njani? Fumana indlela yokusebenzisa ngayo. Ukulandelela iindleko zakho, nokuba usebenzisa ipeni kunye nedatha, insiza, okanye isofthiwe yohlahlo lwabiwo-mali . Musa ukubeka ixesha elininzi kunye namandla ekukhetheni "inkqubo" engcono yokulandelela inkcitho yakho - oko kukuphazamiseka (kule meko ukugqibeleleyo kukutshaba okulungileyo).
Ukuba unzima ukugcinwa kwezinto, sebenzisa ngekhompyutha ukwenzela ukuba ibhanki yakho ibhale irekhodi yaloo ntengiso. Bhatala iibhanki zakho kwi-intanethi , zithengi ngekhadi yebhanki (okanye mhlawumbi kunjalo, ikhadi lekhredithi olihlawula ngayo nyanga zonke), kwaye unciphise imali yokuchitha imali. Amanani awayi kuxoka. Jonga apho imali yakho ihamba khona, kwaye uvavanye ukuba ufumana oko uhlawulayo. Kukho iindlela ezininzi zokunciphisa iindleko .
Iindlela ezintathu zokufumana okungakumbi
Ngokunciphisa iindleko, unokugcina imali kule nyanga .
Kodwa mhlawumbi uya kuba nemiphumo engcono xa ukwandisa ingeniso yakho (ngaphandle kokuba ungomnye walabo bantu abafumana amanani amathandathu kwaye usasaza kwi-matyala).
Ngelishwa, kuthatha ixesha lokufumana ngaphezulu, kwaye akulula nje ngokukhansela inkonzo yeTV ye-cable. Kwezinye iimeko, ukuguqula imisebenzi yinto eyenzayo (ukuba unomqeshi ofanayo kwiminyaka emininzi kwaye uphakamise ukukhawuleza), kodwa abaninzi abantu banomngeni omkhulu.
Enye indlela ekhawulezayo yokufumana eyongezelelweyo kukuba ukongeza umsebenzi wesikhathi sesikhathi. Oku kuthetha ukuba unesithuba esincinane sokufumaneka kwezinye izinto, kwaye kuyanzima ukugcina loo mashumi eminyaka. Kodwa, ukuba ufuna nje ukunyusa ngokukhawuleza, omnye umsebenzi kwiinyanga ezimbalwa okanye ngokunjalo unokukubuyisela ezinyaweni zakho (kwaye umsebenzi wakho oyintloko uza kukuxhasa wena nosapho lwakho emva koko).
Ukuba udinga utshintsho oluthile, qalisa ishishini lakho-uya kuba nokulawula ngaphezulu kwexesha lakho, kunye nokunye okuphezulu.
Unokulawula umngcipheko ngokuqalisa ixesha-nxalenye kwicala, kwaye utshintsho kwi-gig yesikhathi esigcwele njengoko izinto zifunyanwa.
Enye indlela yokuzama kunye nenyaniso kukuphuhlisa izakhono kunye "nokuqashwa" ukuze ukwazi ukufumana ngaphezulu kwexesha. Oku kungadinga uqeqesho olongezelelweyo kunye nemfundo, kunye nokuqalisa kwakhona okubaluleka kubaluleka bakho kubaqeshi. Kule minyaka, iinzame zakho kufuneka zihlawule.
Xa usakha i-akhawunti yakho yasebhanki, qalisa ukufumana ngaphezulu kwimali oyigcine. Oku akuyi kuyenza okanye kukuphule ngokwezimali, kodwa awufuni ukushiya imali kwitafile. Qinisekisa ukuba ufumana inqanaba lokuncintisana ekulondolozeni kwakho (mhlawumbi akukho mfuneko yokutshintsha nganye inyanga kwizinga eliphezulu kulolu hlanga), kwaye usebenzise ii-CD kunye ne- akhawunti yemarike yemali ukuze ufumane inzala engakumbi.