Ukutshitshisa
Enye yezona zibalulekileyo zezakhono zemali onokuzifunda ubuchule bokuzingela. Oku kuninzi ngokukhawuleza ukukhangela ikhefu kwisitorethi sakho sokugqoka. Umzingeli womsebenzi uyazi ixesha elifanelekileyo lokuthengisa iintlobo ezahlukeneyo zokuthengisa, indlela yokukhawulisa amakhuphoni kunye nezaphulelo kunye neendawo ezifanelekileyo zokubala amanqaku. Umzingeli womsebenzi uya kuthatha ixesha lokujonga kwi-intanethi nakwiivenkile zasekuhlaleni ukuze afune ukuhamba ngokufanelekileyo. Ngokuqhelekileyo abazingeli bamashishini bayaqaphela ukuba ukuchitha imali ethe xaxa ekuthengweni kokuqala kwento esemgangathweni kuya kubanceda ukugcina ngaphezulu kwexesha. Ngokomzekelo, ukuthenga iindidi zeeranti ezi-$ 100 ezidlulileyo kwiminyaka emihlanu endaweni yeedola ezingama-20 kufuneka uguqule unyaka ngamnye.
- Funda ixesha elifanelekileyo lokuthenga izinto ezahlukeneyo wena kunye nekhaya lakho.
- Lindela ukuthenga izinto xa zithengiswa kunye nezicwangciso zokuthenga ezinkulu.
- Thatha ixesha lokuqonda izaphulelo zeesitolo kunye nomjikelezo wokuthengisa ukwenza ubuninzi bezinto zonke zokuthenga.
Qala usebenzisa iiConpons
Ukudibanisa kuyisakhono esahlukileyo kwi-hunt hunting. Kubandakanyeka ngakumbi kwaye kufuna ukuzinikezela nokugxila. Xa ubeka ingxaki ngokusebenzisa amakhuphoni, unokunciphisa inani olihlawulayo kwizinto zansuku zonke. Unokwazi ukugcina ngaphezu kwe-$ 100 ngenyanga kwintengiso yakho kuphela.
Xa usebenzisa amakhonkoni kwezinye izinto, unokukwazi ukugcina ngaphezulu.
- Funda kabanzi malunga nokuqhawula nge-class or local online.
- Fumana iforamu yekhuphoni eya kukunceda uqale ukufanisa ukuthengiswa kwiivenkile zakho kwiikhonkoni.
- Ukuthatha ingxaki ngokusebenzisa amakhuphoni kukuzibophezela ixesha.
Ukujongana neMali
Ukufunda ukuphatha iimali zakho ngokufanelekileyo kunokukwenza okuninzi ukukunceda ugcine imali. Inokukunceda ukuba ugweme ukuhlawula umdla kumatyala ekhadi lesikweletu, ugweme iimali zebhanki ezingabalulekanga uze uzigcine kwezinye iindleko. Ukufunda ukuqonda amaxwebhu omthetho, asemali anokukunceda ukuba ubone ukuba uthatha ingxaki efanelekileyo kwi-mortgage yakho okanye ukhetha i-akhawunti engcono yokujonga. Ukunyamekela le mi sebenzi yenza ukuba uqaphele ngakumbi imeko yakho kwaye kunokukunceda wenze ukhetho olungcono ngokubanzi.
- Funda ukuprintwa kakuhle kwi-akhawunti yakho nganye. Hlola ukuba ubone ukuba kukho indlela engcono kwibhanki yakho.
- Ukulinganisa nganye i-akhawunti yakho ngenyanga.
- Funda ukuprintwa kakuhle xa uthabatha imali mboleko uze uyiqhathanise kunye nezinye iindlela ezimbini.
- Cinga ukudibanisa amatyala akho okanye ukufumana amakhadi amatyala amatsha ngeendlela ezingcono.
Imisebenzi emiSebenzi ka-DIY
Ukuhlawula omnye umntu ukwenza into ephantse ixabisa ngaphezu kokuzenza ngokwakho.
Ungagcina imali ngokwenza imisebenzi eninzi ngokwakho. Ukufunda isiseko esisisiseko nokulungisa izakhono kunokukugcina imali xa kuziwa kwimoto yakho nasekhaya. Ukufunda ukulungisa iinyembezi nokugcoba kumaqhosha kunokunceda iingubo zihlala ixesha elide. Ukufunda ukuthenga kunye nokupheka kunokukunceda ukuba ugcine imali ebonakalayo ngexesha lonyaka.
- Bhalisela i-class yokulungisa imoto ngokusebenzisa inkqubo yakho yokuqhubekayo yokufunda malunga nokugcinwa kwesiseko. Ukuqaphela xa umsebenzi uninzi kakhulu kuwe unokukugcina ixesha kunye nemali kuba awuyi kutshabalalisa imoto yakho.
- Cinga ukuthatha isigaba sokuthunga esisisiseko okanye iklasi yokupheka ukukunceda ufunde indlela yokuziqonda ngayo ezo zakhono.
- Fumana umntu omhle kwenye yezinto ozama ukuzifunda kwaye ubacele ukuba bakufundise.
U kufunda malunga noTyalo-mali
Kubalulekile ukuqonda utyalo-mali kunye nendlela esebenza ngayo .
Oku kukuvumela ukuba usebenze ngokuthatha umhlalaphantsi kunye nokutyalomali kwakho konke. Inokukunceda ukwazi xa kufuneka ukhathazeke ngokunyuka kweemarike okanye xa ufanele ukukhwela i-ascs and downs. Emva kokuba uqonda utyalo-mali, unokukwazi ukugcina imali ngokuthenga iisitishi ngokwakho kwi-firmer ye-brokerage eneemali eziphantsi zokurhweba.
- Landela imarike ngaphambi kokuba uthathe ukugubha ukuze ubone indlela isicwangciso sakho sisebenza ngayo.
- Khumbula ukuba utyalo-mali malunga nokukhula kwexesha elide kunye nokurhweba imihla ngemihla kunokubangela ingozi enkulu.
- Qiniseka ukubonisana nomcebisi wezezimali malunga nokucwangcisa ukugcinwa kwexesha elide kunye notyalo-mali ukwenza isicwangciso esiza kukunceda ukuba uthathe umhlalaphantsi ngexesha .