Ukuba uqala ukufumana ulawulo lweemali zakho, unokwenza usebenze ekusindiseni i-fund yangxamisekileyo. I-$ 1,000 ngumlinganiselo omkhulu kwiziko lexakeka lexeshana elifutshane ngelixa usebenza ekuphumeni kwetyala. Oku kungabonakala ngathi yimali eninzi, ngakumbi ukuba uhlala kwi-paycheck ukuhlawula. Nangona kunjalo, kukho izicwangciso onokuzisebenzisa ukuphakamisa loo mali nje ngenyanga okanye ezimbini. Ngale ndawo ungaqala ukuhlawula ityala lakho ngokugqithiseleyo. Kungenzeka ukuba uza kufuneka uqeshe ubuncinane ezimbini kwezi zicwangciso ukuza nemali ngokukhawuleza.
01 Bamba izinto zokuthengiswa kweeYadi okanye zokuThengisa kwi-Intanethi
Mhlawumbi unento ejikeleze indlu yakho awusayi kuswela okanye usetyenzise kwakhona. Unokukhupha imali eyongezelelweyo ngokuyithengisa. Ivenkile yokuthengisa ikuvumela ukuba uthengise iqela lezinto ngokukhawuleza ukuya kwelinye, kodwa nalapho uza kufunda khona imali ephantsi kwezinto. Unako izinto ze-eBay okanye uluhlu lwezinto ezinkulu kwi-Craigslist ukuze ufumane imali esheshayo ongayifaka ngqo kwi-akhawunti yokulondoloza. Kufuneka ube nokwenza phakathi kwe-$ 200 kunye ne-300 engama ngaphandle kwemisebenzi emininzi.
02 Zama IJobhi yesiBini
Enye into ongayenzayo ithatha umsebenzi owongezelelweyo . Qinisekisa ukuba ukhetha ixesha elihle kakhulu lexeshana kunye nokuba usebenza ngaphezu kweyona mivuzo. Xa ukwenza oku, uza kukwazi ukugcina imali ukubeka kwi-engxowa-mali yakho yongxamiseko okanye injongo yokulondoloza. Umsebenzi wesibini unako ukucoca kwaye akusiyo isisombululo sesikhathi eside kwiingxaki zengeniso, kodwa ukusebenza komnye kunokukunceda ukuba ukhuphe imali ngokukhawuleza. Ungaphinda ufune ukubheka i-ejensi yexeshana yomsebenzi weveki. Unokwenza enye i-$ 200 ngenyanga xa usebenza nje iiyure ezingama-20 ezongezelelweyo kwi-10 yehora.
03 Yeka Ukutya ngaphandle
Ukuba udla ngaphandle kwemini okanye amaxesha amaninzi ngeveki, unokukwazi ukufumana imali ukuyigcina ngokupheka ekhaya kwaye udla isidlo sasemini usebenze ngalunye suku . Ukuba uthe wanciphisa ukutya ngexesha lesidlo imihla ngemihla kwaye uchitha imali engamaRandi ayi-7.50 umnikelo obongeza i-$ 150 ngenyanga onokubeka kuyo imali. Ukuba ngaba unabini kwintsapho, unako ukuphindwa kabini. Ukongezelela, ukuba unqumla emva kokutya okudliwayo (okuvame ukuba kubiza kakhulu) ukugcina imali kunokunyusa ngokukhawuleza. Qiniseka ukuba ubeka imali oyilondolozayo kwi-akhawunti yakho yokulondoloza.
04 Khansela iC Cable
Xa ufuna ukugcina imali ngokukhawuleza, kuthetha ukuba kufuneka unqume konke ukugcinwa okungadingekile. Zama ukukhansela ikhebula kwaye usayine enye indlela engabizi njengeNetflix okanye iHulu. Unokunciphisa okwethutyana iphakheji yakho kunye nokugcina imali apho. Oku kungabakho i-$ 80 ngenyanga ukugcina ngokuxhomekeka kwiphakheji yakho yekhefu.
05 Sika Ukutya kwakho Ukuchitha imali eyi-$ 100
Zama ukunciphisa i-bill yakho yokuthenga nge-$ 100 ngenyanga leyo. Ukutshintshela ukugcina iimpahla kunye nokuthengwa kweentengiso kunokukunceda ukuba ufumane i-$ 100 eyongezelelweyo kwisitolo sokutya ngaphezu kwenyanga. Ukucwangciswa kokutya kunye nesidlo sokutya esinobuchule kunye nomzimba omncinci kunokunceda ukugcinwa kongeza ngokukhawuleza. Kuya kuthatha ucwangciso kodwa kunokwenzeka ngokupheleleyo. Ukuba utshintshela kwizinto eziphathekayo zezinto eziphathekayo kwiivenkile zeevenkile, ungagcina imali, kwaye ukuba ukhangele ivenkile yesaphulelo ungasindisa imali kwizinto ezifanayo.
06 Yiya kwi-Spending Fast
Ukusetyenziswa ngokukhawuleza yindlela enkulu yokugcina imali. Ngokusebenzisa imali ngokukhawuleza, awusebenzisi imali kunoma yintoni ngaphandle kweendleko ezicwangcisiweyo, eziyimfuneko. Umzekelo, unokuceba ukugcwalisa itanki yakho yegesi ukuze uhambe ngeenyanga. Unokuba nohlahlo lwabiwo-mali olusisigxina kodwa ukhawuleza oko uchithayo ekudleni kunye nezindleko zokuzonwabisa. Unokuyeka ukuchitha kwiingubo kunye nezinye izinto onokuzithandayo kodwa akudingeki. Thatha yonke imali ekupheleni kwenyanga uze uyibeke kwi-akhawunti yakho yokugcina. Oku kunokuba yi-$ 500 kuye kuxhomekeke kwimikhuba yakho yokuchitha.
07 Yeka Iimpawu Zakho Ezimbi
Enye indlela elula yokugcina imali kukuyeka ukuchitha imali kwimikhuba ebiza imali eninzi . Nangona ungayishiyi ngokupheleleyo, unako ukugcina imali ngokunciphisa into oyiqhelekileyo. Iicigarettes kunye notywala zibiza kakhulu kwaye ziyakongeza ngokukhawuleza. Impembelelo yokuthenga kunye nokuchitha nje ngenxa yokuba yinto enhle inokukuhlawula imali eninzi. Ukugembula ngenye indlela ekwazi ukuhlawula iindleko ezininzi kwaye ukuba unokumisa nje inyanga okanye ezimbini nje, unokumangaliswa ukuba ungalindela kangakanani.