Izibonakaliso Awuyenzi Imali Efanelekileyo

by UMiriam Caldwell

Ukuba uhlala unzima ukufumana iziphumo, unokujongana neengxaki. Kuyakucasula ukuba ube nemali yezimali kwaye ungakwazi ukufumana indlela yokuphuma. Unokucinga ukuba wenza imali ehloniphekileyo, kodwa uqhubeka unzima kwinyanga nganye . Unokuba usongeze imali okanye ungenako ukwenza imali eyaneleyo. Unokuba usongeze i-overspending ngelixa ungenzi okwaneleyo ukulungiselela iimfuno zakho ezisisiseko. Oku kunokukhokelela kwingxaki yangempela. Ukuba awuyi kukwenza ngokwaneleyo ukufihla iindleko zakho , kuya kufuneka uthathe amanyathelo ngoku ukwandisa ingeniso yakho. Nangona uvakalelwa kukuba ungehlwempu kakhulu ukuba uhlahlo lwabiwo-mali , uhlahlo -lwabiwo-mali luyakunceda ukuba ubuyele kumzila, kwaye ungasebenzisa ezi zicwangciso zokukunceda ukujamelana nokuhlwempuzeka . Funda iimpawu ezisixhenxe zokuba ungenzi imali eyaneleyo.

01 Usebenzisa iiKhadi zakho zeMatyala rhoqo ngenyanga

Esinye sezibonakaliso ezinkulu ukuba unemali engenayo kukuba usebenzisa amakhadi ekwereta ekupheleni kwenyanga ukuhlawula zonke iindleko zakho. Ukuba uphelelwa yimali ngenyanga leyo, okanye usebenzisa amakhadi ekwereta ekuncedeni ukulawula phakathi kwama-paychecks, ngoko ukhangeleka umbandela ongeniso. Ekuqaleni oku kungabonakali kukukhulu, kodwa njengoko uqhuba ibhalansi yakho kwaye ukuhlawulwa kwekhadi lakho lesikweletu liya kunyuka, ingxaki iya kuba yimbi kakhulu. Kufuneka uyeke ukusebenzisa amakhadi e-credit ngokukhawuleza.

Isixazululo: Yeka ukusebenzisa iiCredit Credit yakho

Kungabonakala kunzima ukuyeka ukusebenzisa amakhadi enkokhelo xa ungabonakali ukuba unelungelo lokugubungela iimfuno zakho ezisisiseko. Ukutshintshela kwimali yakho yokuthenga imihla ngemihla kunokukunceda unciphise oko uchithayo. Ukushiya ikhadi ekhaya xa kuthengwa kungakunceda ukuba unciphise ukuthenga okungafunekiyo.

02 Uya kuphuma ngemali ekuqaleni kweNyanga

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Njalo ngoku, unakho inyanga embi apho yonke into iyomelele ngeveki ephelileyo okanye kunjalo. Nangona kunjalo, ukuba unzima ukufumana iziphumo emva kweyesihlanu kwinyanga, ke unokuba ubhekene neengxaki zengeniso. Esi sibonakaliso esinamandla senkathazo yengeniso kuba ibonisa ukuba akukho mali engaphezulu. Ukuba awukwazi ukuhlawula iindleko zakho kwaye awunalo okwaneleyo ukushiya ukutya, ngoko awukwenzela imali eyaneleyo. Unokuvakalelwa ngathi ukuhlawulwa kwakho sele kusetshenziswe ngaphambi kokuba uyifumane.

Isixazululo: Fumana iindlela zokwandisa iNgeniso yakho

Ukufumana umsebenzi omtsha unokuba yindlela efanelekileyo yokunyusa ingeniso yakho. Nangona kunjalo, ukuthatha umsebenzi wesibini okanye iiprojekthi zecala lokusebenza kunokukunceda uhlawule ityala kwaye wakha i-fund yangxamisekileyo ukuze wenze okungaphezu kokunyathela amanzi. Ukuba le nto iya kuba yinkxaso emide, ukubuyela esikolweni ukwenzela ukuba ukwazi ukufumana umsebenzi ophezulu wokuhlawula isisombululo esihle. Njengoko uphucula ingeniso yakho, qiniseka ukuba ukhumbule izifundo ozifundileyo xa uhluphekile .

03 Awukwazi ukuWala iMithetho eYilwayo

Ukuba ukhetha phakathi kweziphi iindleko zokuhlawula, ngoko unenkcitho engeniso. Kubalulekile ukwenza into malunga nale meko ngokukhawuleza. Ungadinga ukuthatha umsebenzi wesibini ukukunceda ufikelele. Kufuneka ujonge kwakhona iindlela zokunciphisa iindleko zakho ezifana nokuthuthela kwindawo enexabiso eliphantsi okanye ukuthengisa imoto yakho. Thatha amanyathelo omabini kwithuba elifutshane kunye nexesha elide ukulungisa le meko.

Isixazululo : Sika Indlela yokuphila

Ukusika indlela yakho yokuphila kuthetha ukunciphisa izinto ozenzayo kwibhodi. Kusenokuthabatha ukuthatha iselfowuni yakho iplani ukuya kwinqanaba elincinci kwaye likhansela ithelevishini. Endaweni yokutya ngaphandle, kufuneka upheke ekhaya uze unamathele kwisabelomali esicacileyo sokutya. Ubusuku obubukela ibhayisikobho kunokufuna ukuba yindlu yokuqashisa ekhaya ngokuya kwi-theatre. Usenokuhlala ujabulela ubomi kwibhajethi eyimfuneko, kodwa kufuneka uqaphele indlela ochitha ngayo imali yakho.

04 Akukho nanye into yokuCoca

Xa ukhangela uhlahlo lwabiwo-mali ukufumana imali eyongezelelweyo , awufumani nantoni na into ekunqunywe ngayo. Usuvele wenza ngaphandle kwekhebula, awunalo ubulungu bokuzivocavoca, kwaye awuzange udla ngaphandle. Kuyakhathazeka gqitha xa ukhetha phakathi kokutya kunye nokuhlawula umrhumo wakho wombane. Ukuba unqumle yonke into ongayenza kwaye awukwazi ukwenza iziphumo zokufumana umvuzo kwaye unemiba engeniso.

Isixazululo: Setha i-Budget-bones amatyala

Uhlahlo lwabiwo-mali alukho nje ukusika impilo yakho. Kuthetha ukuba uchitha kuphela izinto eziyimfuneko kwaye uyeke ukuchitha imali kwizinto zokunethezeka ngokupheleleyo. Oku kuthetha endaweni yokuthenga i-steak kwivenkile, uhamba kunye nomdla weHaburger. Kuthetha ukuba akukho nto yokutya kwaye awuthenge nto entsha ngaphandle kokuba uyayidinga ngokupheleleyo nangakhathaliseki ukuba kulungile kangakanani. Ngokuqhelekileyo, eli lihlahlo-mali elifutshane elinokukunceda ukuba ufumane uze wenze into ekuphuculeni imeko yakho.

05 Awukwazi ukuPhatha iNgxamiseko

Xa usululisiwe rhoqo ngenyanga, kunzima ukubeka imali ngaphandle kwesikhwama sexakeka . Ukuba awukwazi ukujongana noxakeka, ungaphetha usebenzisa iikhadi lakho lekredithi. Ekugqibeleni, iintlawulo zekhadi lakho lesikweletu ziya kukhula ngokwaneleyo ukuze zikhuphe ngakumbi. Ukuba awunayo imali eyongeziweyo yokugcina imali yongxamisekileyo kwinyanga nganye, ngoko awuyi kuyenza imali eyaneleyo.

Isixazululo: Setha iNgxowa-mali eNgxamisekileyo

Kungathi ukuhlambalaza ukubeka eceleni imali nganye ngenyanga xa unzima ukufumana, kodwa ukuba nemali yokukhupha ingxamiseko yakho kunokuzisa uxolo kwengqondo kwaye kukuvumela ukuba ugxile kwezinye iinjongo kunye nemiba. Ungaqala nge-$ 50 eyongezelelweyo ixesha lokuhlawula kwaye wakha ukusuka apho. Sebenza ukuba ube phakathi kwe-$ 1,000 kunye nenzuzo yenyanga enenzuzo yengxowa-mali yakho.

06 Uhlala Unenkxalabo NgeMali

Kukho umahluko phakathi kokukhathazeka malunga nendlela yokuhlawulela ukulungiswa kwemoto engalindelekanga kunye nejeti eligulayo esiswini sakho esingaze sishiye njengoko ukhathazeka malunga nendlela yokuhlawula ukutya okanye ukumboza irente. Ukuba unenkxalabo ngemali rhoqo, kwaye ihlala ivuke ebusuku, mhlawumbi ungenzi imali eyaneleyo. Beka ezinye iinkxalabo ekusebenziseni kakuhle kwaye uqale ukwenza isicwangciso esiya kutshintsha imeko yakho.

Isixazululo: Yeka Ukujongana Neezimali Zakho kwiNdlela yoPhiko

Uhlahlo lwabiwo-mali lukuvumela ukuba uhlele ukuthenga kwakho ngaphambi kwexesha. Ingxowa yexakeka ngokukhawuleza ikuvumela ukuba uhlawule iindleko ezingalindelekanga. Ukuba uhamba kwiinkathazo zezemali ukuya kwiinkathazo, awuyi kuyenza i-traction kwiinjongo zakho. Ukusebenzisa ezi zixhobo kuya kwenza ukuba ukwazi ukudala nokunamathela kwisicwangciso sezimali.

07 Awufikeli Iinjongo Zakho Zemali

Ukuba uhlala uqhubeka kwaye ungenzi naluphi na inkqubela ekuhlawuleleni ityala lakho okanye ukonga imali , ngoko ke awukwazi ukwenza imali eyaneleyo. Le meko inokuba yinto enzulu njengeminye imiqondiso ebhalwe apha ngasentla, kodwa isanele ukuba ungathanda ukuthatha amanyathelo okufuneka uyitshintshe imeko yakho yangoku. Unokuzifumana kule meko xa uqala umsebenzi wakho wokuqala, kwaye ungenzi nto njengoko wacinga ukuba uya kuyenza.Ufuna ukulungisa le nto ngaphambi kokuba ibe yingxaki engapheliyo.

Isixazululo: Qinisekisa ukuba iinjongo zakho ziyafumaneka

Ukwenza iinjongo zokuphuma ngokupheleleyo kwetyala ngonyaka kungaba lukhulu, kodwa ukuba uneminyaka engama-30,000 kwi-matyala kwaye wenze kuphela i-$ 40,000, oku kungenakwenzeka. Qinisekisa ukuba iinjongo ozibekelayo ziyafezekiswa kwaye zizodwa. Kungenzeka ukuba uhlawule kwikhadi lesikredithi ekupheleni konyaka okanye kungabambelela kubhajethi yakho ngelixa usebenza kwetyala lakho. Unokuqala ukwenza utshintsho lwangempela kwiimali zakho isinyathelo ngexesha.