Indlela yokwabelana ngemali ngaphandle kwentukuthelo
Ukudibanisa iimali zakho akuyiyo yonke into engenanto. Amaqabane angakhetha kwiindlela ezininzi. Makhe sibone imimiselo ethile.
Indlela yeProportional
Ababini abasebenzisa "indlela yokulinganisa" ukudibanisa imali yabo nganye kwi-billing house kwizinga elilinganayo nomvuzo wabo.
Umzekelo: UJohn noSally
UJohn ufumana i-$ 2,000 ngenyanga, eyi-33 ekhulwini yengeniso yawo yonke indlu. USally ufumana i-$ 4,000 ngenyanga, eyi-66 ekhulwini yengeniso yekhaya.
Esi sibini sichitha i-$ 3,000 ngenyanga ngenyanga kwiindleko zabo zendlu, njengento yokuboleka imali, izibonelelo, ukutya, kunye neyeshumi elinesibini kwiindleko zabo zonyaka ezifana neerhafu zabo zepropati .
UJohn ufumana iipesenti ezingama-33 zeengxowa-mali ezidibeneyo, ngoko uhlawula iipesenti ezingama-33 ze-bill ye-$ 3,000 yenyanga, elingana nama-1,000.
U-Sally ufumana iipesenti ezingama-66 zeengxowa-mali ezidibeneyo, ngoko ke uhlawula iipesenti ezingama-66 zebhilikhi zabo zenyanga, ezilingana ne-$ 2,000.
Iinkonzo: Inzuzo enkulu kukuba akukho mlingane ovakalelwa uxinzelelo lokuba "uhambelane kunye" okanye "uhlahlo lwabiwo-mali" ukuya kwi-earnings yomnye umlingane. Ngamanye amazwi, ukungabikho kwemali engenayo akubangele ukuphikisana kokuphila.
Esi sibini sinandipha "isigaba esiphakathi" semali ehlangeneyo. Belana ngemali yezindlu, kodwa nabo bahlala behlukene ngokwemali ngabanye.
Umngcipheko: Umngcipheko omkhulu kukuba umlingani ofumana imali ephezulu unokuqala ukuziva ecaphukile okanye unokuqala ukuziva ngathi 'uhlawuliswa' ukuze athole okungaphezulu.
Indlela yoRhumo
Ababini abasebenzisa "indlela yokuncedisa eluhlaza" nganye yiplakhi kwinombolo efanayo eluhlaza, kungakhathaliseki ukuba bangakanani.
Umzekelo: UDanny noKate
UDanny ufumana i-$ 3,500 ngenyanga. UKate ufumana i-$ 5,000 ngenyanga.
Iindleko zezindlu zabo ziza kuma-4,000 ngeenyanga. I-chip ngayinye i-$ 2,000 kwaye igcina imali eseleyo kwi-akhawunti ehlukeneyo.
Iinkonzo: Umlingani ofumana imali ephezulu akavumi ukuba "uhlawuliswe" kwimpumelelo yabo, kwaye iqabane elincinane elifumanayo aliva 'lixhaswa.
Umqhina: Bafuna isivumelwano malunga nento yokwenza xa imali yengane yomlingane iyancipha kwi-zero (umzekelo, ukuba iqabane elinye lilahlekelwa ngumsebenzi). Ubuhlobo babo buya kuba nzima xa uK Kate ephila ubomi obuhle ngaphezu kukaDanny kuba unemali "eyonwabileyo" ekuhlaleni emva kokuhlawula iibhili. Ezinye iibini zitshatileyo zigxekisa le ndlela ngendlela evakalelwa ngayo "njengomntu ohlala naye."
# 3: Gqibezela ukuQhagamshelana
Ababini abadibanisa ngokupheleleyo iimali zabo badibanisa iibhanki zabo zebhanki , bathatha kuphela amakhadi abambisene kunye namakhadi e-debit, kwaye bahlulelane ngemali yabo yotyalo-mali .
Umzekelo: Devon noHilary
I-Devon ifumana i-$ 3,700 ngenyanga; UHilary ufumana i-$ 2,600. Zomibini zokuhlawula zifumana i-akhawunti echanekileyo yokutshekisha, apho eso sibini sisebenzisela ukuhlawula zonke iindleko zabo.
Esi sibini sithatha amakhadi athile kunye namakhadi okutsalwa, abasebenzisa ukuhlawula zonke iimpahla zabo, kungakhathaliseki ukuba kuthengwa kwendlu (njenge-microwave) okanye ukuthengwa komntu ngamnye (u-Hilary uchitha i-$ 100 ngenyanga kwi-salon yeenwele, ngoxa i-Devon uthanda ukuqokelela amakhadi ebhola).
Iinkonzo: Zidibanisa njengeyunithi enye - "thina" kunokuthi "wena" kunye "nam." Akukho qabane lihlala li "manqaku." Ukuba ingeniso lomntu omnye iphakama okanye umvuzo womnye umntu uyawa, baya kubhalana . Ukugcinwa kwengxelo kubonakala kulula.
Umxhasi: Umlingani ophezulu ofumana umvuzo angamxabisa iqabane elincinci lokufumana imali yokufumana imali yakhe, ingakumbi ukuba umntu omnye uthambekele ekubeni yi-spender ngelixa elinye livame ukuba lucala.
Isiphelo
Akukho mnye umgangatho ongcono wokubambisana ngemali yenkwenkwezi. Into ebalulekileyo kukuba uqaphele ukuba kukho iindlela ezininzi ongayisebenzisa.
Wena kunye neqabane lakho kufuneka nilinganise ubuchule kunye neqhinga lesicwangciso ngasinye ukugqiba ukuba yeyiphi indlela eyona nto ibhetele kuwe.
Emva kokuba ukhetha indlela, ungesabi ukuyitshintsha okanye uyitshintshe. Wena kunye neqabane lakho lingadinga ukuzama izicwangciso ezahlukeneyo ngaphambi kokuba ufumane "ibhalansi epheleleyo" phakathi kwemali yakho kunye nemali yakho.