Gwema ubunzima bezezimali ngokuphumeza isicwangciso sobuqili
Unokuzikhusela njani kwiintlekele zezimali ezipheleleyo?
Lo ngumbuzo obalulekileyo. Ndingathanda ukunikela le nqaku ukuthetha malunga nemiba emibini:
Okokuqala, siza kuhlolisisa indlela abantu abazifumana ngayo ezinzima zemali . Ziziphi iimeko ezibangele oku?
Emva koko siza kuthetha malunga nokuthintela okuthathu oya kuthatha ukunciphisa amathuba okuba uya kuba kwindawo exinzelelekileyo ngokwezimali.
Ngaba UnesiCwangciso seNkqubela yezeMali?
Unokwenza ntoni ukuba wena okanye wakho umlingane okanye omnye umntu obaluleke kakhulu waxoshwa emsebenzini?
Yintoni eya kwenzeka?
Ngelishwa, abaninzi abantu abakwazi ukuphendula lo mbuzo. Inani elikhulu lamakhaya alinaso isicwangciso sobungqina bendlela abaza kujamelana nayo xa umtshato omnye okanye bobabini bomtshato belahlekelwa ngumsebenzi.
Ngenxa yoko, i-pinki enye ishiya kwi ntlekele yezemali.
Mhlawumbi oku akuyona imeko yakho, nangona kunjalo. Mhlawumbi sele usenaso isicwangciso endaweni yezinto ezenzekayo ukuba umntu omnye walala.
Mhlawumbi uqikelele indlela yokuhlawula iindleko zakho zokuphila ezisisiseko zomvuzo omnye kunye neendleko zokuqonda ngaphandle komvuzo womnye umntu. Kwimeko apho ugqitywa emsebenzini, unokwazi ukuhlangabezana neendleko zakho ezisisiseko. Ukuba ngaba kunjalo, okokuqala kuthokoza, uhamba phambili kwinqanaba .
Kuthiwani ngeSicwangciso soKhuseleko?
Okwesibini, makhe ndikumeme ukuba uthathe inxaxheba kwindlela yokucinga engakumbi. Yintoni eyayiza kwenzeka ukuba wena kunye neqabane lakho nisuke niyekile ngexesha elifanayo?
Ngamanye amazwi, kwenzeka ntoni ukuba iholo lakho lemali lilonke liye lafika kwi-zero?
Ukongeza koko, kwenzeka ntoni ukuba imoto yakho okanye isiqhekeza sakho saqhekeza, okanye uphahla lwakho lwaqala ukuvuza ngexesha elinye okanye bobabili ningasebenzi? Ngaba unokukwazi ukuhlawula loo mabhili?
Uninzi lwabantu aluzange lulungele iimeko ezingalindelekanga kuzo zonke, kwaye baninzi kulabo abangakulungeli.
Abantu abaninzi banako ukujongana neentlekele ngexesha elinye, njengokwenqatshulwa kwemoto, uphahla oluvulekileyo, okanye uphethiloli oluphukileyo, kodwa alukwazi ukujongana neemeko ezixinzelelekileyo eziza kubetha bonke ngokukhawuleza.
Ukuba ungeyilungiswanga okanye ungakulungelelwanga kwiziganeko zemali ezingalindelekanga , ungenza ntoni? Nazi izicwangciso ezimbalwa.
1. Yakha iNgxowa-mali eNgxamisekileyo
Kufanele uhlale phakathi kweenyanga ezintathu ukuya ezintandathu zeendleko zakho zokuphila ezisisiseko kwi-akhawunti yokulondoloza . Iindleko zokuphila eziphambili zibhekiselele kwizinto eziphambili ezifana nezindlu, ukutya, i-petroli, i-premium zorhwebo, iinkonzo kunye nezinye iindleko eziphambili.
Makhe sicinge ngenxa yomzekelo ukuba imali yakho yesiqhelo ifike kwi $ 5,000 ngenyanga. I-$ 2,000 yale nto idliwe yidlo yokutya, izambatho, ukuhamba ukuya kwi-Starbucks, iholide, iiholide, izipho, ii-iPads ezintsha kunye nolunye uluhlu lwezinye iindleko zokuqonda. Eminye i-$ 3,000 yale nto ihlanganisa iibhilikhwe zakho ezisisiseko.
Ukuba ngaba lakho uhlahlo lwabiwo-mali, uza kufuna ukugcina ingxowa-mali engxamisekileyo phakathi kwe-$ 9,000 ukuya kwi-18,000 yezigidi. Oku kwanele ukugqithisa phakathi kweenyanga ezintathu ukuya kweziyisithandathu zezikolo zakho eziyisiseko .
2. Ukuhlawula amatyala
Eziphantsi kweebhilikhwe zakho, zilunge kwisithuba oza kubakho xa kukho ientlekele zemali. Enye yeendlela ezilula ukunciphisa iindleko zakho kukukrazula nayiphi na ityala elikhoyo.
Kukho iingcamango ezimbini malunga nendlela yokulahla ityala lakho . Enye imfundiso ebizwa ngokuba yi-debt stacking ithi kufanele wenze uluhlu lwawo onke amatyala ngokusekelwe kumyinge wenzala.
Ulahla yonke i-dime ekhutshweyo kwi-matyala ngenani lentlawulo ephezulu, gcina iintlawulo zakho ezincinci kuzo zonke ezinye amatyala (ngokuqinisekileyo), uphonsa yonke idola eyongezelelweyo onayo inomdla omkhulu.
Enye into ebizwa ngokuba yi -snowball . Ithi kufuneka wenze uluhlu lwetyala lakho ukusuka kwincinci encinci ukuya kwibhalansi enkulu. Uya kwenza iintlawulo ezincinci kuzo zonke iimali zakho kwaye uphonsa zonke iidola ezingafaniyo onazo kwi-matyala amancinci.
Xa usususile loo nto kuluhlu lwakho, uya kuziva uvuyo lwenkqantosi, oluya kunika ithuba lokuqhubeka . Ithenda ye-snowball ye-theory isebenzisa umgaqo weintlobo ezininzi ezincinci ukugcina ukhuthaza.
Isekelwe malunga nombono wokuthi ulawulo olufanelekileyo lwezemali alukho umba weemathematika, ngokungathi lukhuthaza. Zama nokuba zezi zicwangciso; akukho mnye uphezulu okanye umbi ngaphezu komnye.
Khetha yonke into ekusebenzela yona. Ukuba uzama enye kwaye ingabonakali isebenza, zama enye kwaye usebenzise nayiphi indlela ikunika impumelelo enkulu.
3. Ukunciphisa ezinye iiMithetho eziYilwayo
Iintlobo zontathu ezinkulu zeendleko zindlu, ukuthutha kunye nokutya. Gcina ezi zigaba zintathu ziphantsi. Hlalani kwindlu encinci, engabizi kangako kunokuba unako ukufaneleka ukuhlala kuyo. Gcina imoto esetyenziswayo okanye uhlala kwindawo apho ungasebenzisa ukuhamba kwezothutho okanye ukuhamba. Ukupheka ekhaya rhoqo ukunciphisa i-bill yakho yokutya.
Umzantsi ungagcina iindleko zenyanga zenyanga, uguquko oluninzi oluya kuba nalo kwisabelomali sakho. Oku kulungelelanisa kuya kusebenza ngokuthe xa uhlaselwa yintlekele yemali.