Ukuba ufumana ityala elininzi okanye uvakalelwa kukuba awukwazi ukufikelela ekupheleni, unokulungele ukuguqula imali yakho. Ngokuxhomekeke kubukhulu beemeko zakho, kunokuthatha ixesha elide ukuguqula imali yakho. Nangona kunjalo, akufanele udikibala. Unokuphucula imeko yakho yezemali ngokulandela amanyathelo angama-10.
01 Nquma apho Ufuna Ukuba
Isinyathelo sokuqala ekutshintsheni imeko yakho yezemali kukukhetha ukuba ufuna ukuphi. Kubalulekile ukuba ube negalelo elicacileyo engqondweni ukuze ukwazi kakuhle oko usebenzayo kunye noko kufuneka uyenze ukuze ufike khona. Unokuqala ngokungahlawulwanga ngokupheleleyo kwetyala, okanye ube ngumnini wezindlu . Unokufuna ukuhlala phantsi okanye uqalise ishishini lakho. Emva kokuba unenjongo ethile engqondweni, ungaqala ukusebenza emva ukuze ufumane oko kufuneka ukutshintsha okanye ukwenze ukuze ufikelele kule njongo. Inokukunceda ukubhala umnqweno phantsi apho uza kuyibona rhoqo. Fumana umfanekiso owumelayo kwaye uyibeke kwindawo ethile ukuba uyayijonga rhoqo. 02 Fumana apho ukhona
Emva kokuba wazi apho ufuna ukuhamba khona, kufuneka ufumane apho ukhona. Oku kuya kukunceda ubone ukuba ufuna kukutshintsha phi kwaye kukunceda wenze isicwangciso esiza kukuhambisa kwindawo yakho yokugqibela. Ukuze uyenze oku, kufuneka uqikelele umgangatho wakho . Kufuneka uzalise inani letyala onalo, kwaye ujonge indlela ochitha ngayo ngokumalunga nomlinganiselo owenzayo ngenyanga. Lo msebenzi ungaba nzima kuba endaweni yokucinga ngetyala lakho ngokweentlawulo zakho zenyanga, uya kujonga inani elifanele. Ngokomzekelo, unokuba wenze iintlawulo ezincinane zenyanga ngenyanga kwiikhadi lakho lekredithi elingama-$ 300, kodwa emva kokuba ungeze ityala lakho, unokwazi ukuba unayo i-$ 15,000 epheleleyo. Nangona kunjalo, oku kunokuba yinto yokuvuselela ukukunceda ukuba wenze utshintsho oluhlala njalo. Kwakhona xa ujonga ingeniso yakho ngokumalunga nenkcitho yakho, unokwazi ukuba awuyi kuyenza imali eyaneleyo yokubambisa iimfuno zakho ezinokubangela iingxaki zemali onalo. 03 Misela iBhajethi yokuSebenza
Lesia_G / eStock Xa usufumene apho ukhona, kufuneka uhlele uhlahlo lwabiwo-mali oluya kukuvumela ukuba uqale ukutshintsha iimali zakho. Ngokuqhelekileyo, oku kuthetha ukubeka ibhajethi ye-barebones eya kukuvumela ukuba ubeke imali engaphezulu kwinqanaba lakho okanye iinjongo zokulondoloza. Qala ngokubhala uluvo lwakho kunye neendleko. Khangela ukuchitha kwakho iinyanga ezimbalwa zokugqibela ukufumana inani elichanekileyo lezinto oqhele ukuchitha kwiqela ngalinye. Emva koko qalisa ukukhangela izinto ongazinqumlayo. Ezinye iinkalo eziqhelekileyo abantu abaninzi banokuchitha imali encinci ukutya nokuzonwabisa. Unokujonga iindlela zokugcina kwiindleko zakho zemihla ngemihla ukuze ukhulule imali eyongezelelweyo kwiinjongo zakho. Emva kokuba uhlahlo lwabiwo-mali, luyakunceda ukuba ube neprogram efanelekileyo yemali okanye inkqubo ekhoyo yohlahlo lwabiwo-mali. Abanye abantu bafumana ukutshintshwa kwemali kubancedisa ukunciphisa imali yabo kunye nokunamathela kwiinjongo zabo zemali. Ukuze onke amanqanaba asebenze, kufuneka ufumane uhlahlo lwabiwo-mali ukuba lusebenzele wena. Kungathatha iinyanga ezimbalwa zokuqhawula, kodwa kubalulekile ukuba uphumelele.
04 Ukujongana namatyala akho
Ukuba ufuna ukutshintsha imeko yakho yezemali, kufuneka uphume kwetyala. Akunandaba nokuba unako okanye ukuba ufumana ikhefu zentela kuyo, kufuneka usebenze ekuhlawuleni ngokukhawuleza. Ukuba unetyala lomthengi okanye amakhadi enkolo, mhlawumbi ukhokhela ngakumbi kunomdla kunokuba ufumana imali onokuyenza. Okokuqala, kufuneka udale isicwangciso sokuhlawula amatyala apho uluhlu lwamatyala akho ngokulandelelana ukusuka kwizinga eliphezulu lemali ukuya kweyona nto ephantsi, uze uqale ukuhlawula yonke imali eyongezelelweyo ongayenza ngayo ityala lakho lokuqala. Xa usenzile oko kuya kufuneka ukuba uhambise ityala elilandelayo kuloluhlu lwakho. Ukuze le nto isebenze, kufuneka uyeke ukusebenzisa amakhadi akho ekhredithi ngokupheleleyo. Imali engayifaka isicelo kule njongo iya kunceda ukukhawuleza inkqubo. 05 Fumana Ukulawulwa Kwemali Yakho
Eli nyathelo linokukunceda ulandele uhlahlo lwabiwo-mali kwaye ufumane imali eyongezelelweyo ukuze ufake isicelo sakho kwityala lakho. Unceda ukufumanisa ukuvuza kwebhajethi okanye iinkalo zengxaki kwimali yakho. Emva kokuba wenze oku, unokuza nezicwangciso zokukunceda ukulungisa imiba. Umzekelo, ungadla ngokutya rhoqo, onokuyongeza ngokukhawuleza, ngakumbi xa unentsapho. Fumana iindlela ezenza ukuba ukwazi ukupheka kwangaphambili ukuze isidlo silungele kunye nesantya sokutya esincinane. Oku kuya kukunceda ugcine imali. Ukuba unemiba ethile yezitolo (njenge-Costco okanye i-Target) zama ukuthenga nge-intanethi endaweni okanye uthabathe imali kuphela nawe. Khangela amehlo akho kwiibhilikhwe ukuze ubone iindleko ongazinqumla kwibhajethi yakho. Njengoko ugxininisa ekulondolozeni imali, unokumangaliswa ukuba ungalondoloza buninzi kangakanani. 06 Khangela iiNgxaki zakho zeNgeniso
Unako ukuchitha ngaphezulu kokwenza kwakho, kungakhathaliseki ukuba ingeniso yakho, kodwa ngokubanzi, ukuba unetyala elininzi, mhlawumbi unemivuzo engenayo. Ingaba yinkomfa yesikhashana eya kuxazululwa ngokuphuma kwetyala, okanye unokuba nenkinga efuna ukuba utshintshe imisebenzi okanye ufumane imfundo okanye uqeqesho olongezelelweyo. Emva kokuba uhlahlo lwabiwo-mali phambi kwakho, unokubona ukuba unayo ingeniso. Ukuba ngaba okwethutyana, unokufuna ukucinga ngokuthatha umsebenzi wesibini ukukunceda ukucima ityala lakho ngokukhawuleza. Unokwenza isigqibo sokubuyela esikolweni ukuze ufumane umsebenzi ophezulu wokuhlawula. Unokucinga kwakhona ukuthuthela kwindleko ephantsi kwindawo yokuhlala. 07 Isicwangciso sokungalindelekanga
Unokuthintela uxinzelelo olukhulu kunye nokukhathazeka ngokwezimali ngokucwangcisa iimeko ezingalindelekanga zeemeko. Into yokuqala kukuqinisekisa ukuba unomshuwalense ofanelekileyo. Oku kubandakanywa nempilo, ii-renters / ikhaya, imoto kunye nobomi bomshuwalense. I-inshurensi ibonakala ngathi yimali eninzi xa unzima ukuphelisa umvuzo kodwa ingozi yemoto inokusibuyisela kwaye nayiphi na iindleko zonyango ezinxulumene nazo zingonakalisa imali yakho. I-inshurensi ikukhusela kakhulu kunzima xa kwenzeka into embi. Ingakunika izibonelelo ozidingayo ukuze ukwazi ukufikelela kuloo mizuzu. Ukongezelela, kufuneka ulondoloze i-fund yangaphandle . Xa usebenza ekuphumeni kwetyala kuqala phakathi kwe-$ 1000 ukuya kwenyanga yengeniso. Le mali iya kukuvumela ukuba ugubungele ukulungiswa kwemoto engalindelekanga okanye ukuchithwa kwe-inshurensi yezempilo. Xa usuhlalelwe ityala usebenza ukugcina phakathi kweenyanga zenyanga ezintandathu kunye neendleko zonyaka. Oku kunokukunceda ukuba ulahlekelwe ngumsebenzi okanye unobungozi obukhulu. 08 Qala Ukugcina
sorbetto / iStock Kubalulekile ukufumana iindlela zokugcina imali yonke imihla . Unokunciphisa iindleko kwaye ngokuqhelekileyo wenze ukhetho lokusebenzisa imali ngokufanelekileyo xa kuziwa ekuthengeni. Oku kuya kunika imali ukuyigcina izinto ozibonise kwisinyathelo esinye. Ukuba ufuna ukuthenga ikhaya, uya kufuna ukuhlawula. Ukuba ufuna ukuthatha umhlalaphantsi kusasa, uza kufuna iqanda eliqakathekileyo leqanda lokuthatha umhlalaphantsi. Ukuba ufuna ukukunceda abantwana bakho kwikholejini, kufuneka uqale ukugcina ngoku. Thatha ixesha lokufumanisa into oyifunayo ukuyilondoloza, kwaye ufumane izixhobo ezifanelekileyo zokuzisebenzisa kwiinjongo ngamnye zokulondoloza.
09 Yenza isicwangciso seMali esiKhubazi (ixesha elide) kwaye ufumane isiluleko sobuchwepheshe)
Geber86 / eStock Kubalulekile ukuba ube nesicwangciso-mali sexesha elide esiza kukunceda uqhubeke phambili. Oku kufuneka kufake izinto ezifana nokutshala imali, umhlalaphantsi kunye nezinye iindleko kunye neziganeko ezibalulekileyo zokuphila. Xa usuhlalelwe ityala, uya kuba ulungele ukuqala utyalo-mali. Kunceda ukuthetha nomcwangcisi wezemali malunga neenjongo kunye neemeko zakho kwaye ufumane iingcebiso malunga nezixhobo ezingcono kwiinjongo zakho.
10 Hlala ukhuthazwa
Kunzima kakhulu imeko yakho yezemali, ixesha elide liza kuthatha ukulijika. Oku kuya kuphazamiseka kuba unokuba uvakalelwa kukuba kufuneka uhlambele iinyanga okanye okanye iminyaka ukuba uphume kwetyala kwaye uqale ukusebenza kwiinjongo zakho. Isiphambili sokuphumelela ukuba sihlale sishukunyiswa kulo lonke inkqubo. Ukudiliza iinjongo zakho zibe ngamanyathelo amancinci. Zihlawulele xa ushaya nganye yezinto ezibalulekileyo. Unako ukufumana umvuzo xa ukhula ngokusondeleyo kwinjongo, qiniseka ukuba uhlawule imali nganye.