Xa kuhlanganiswa uhlahlo lwabiwo-mali abantu abaninzi baqala ngokuqokelela ndawonye zonke iibhilikhwe kunye kunye nokuhlala phantsi nokucinga apho ifuna khona imali nganye ngenyanga. Abantu abaninzi basekela uhlahlo lwabo lwabiwo-mali kuphela kwiimali abazihlawulayo kwaye bangeze kwiindleko zokutya, kwaye ke bazibuze ukuba kutheni ibhajethi yabo ibonakala ingasebenzi. Kukho iindidi ezisixhenxe eziqhelekileyo abantu abahlala beshiya kwiibhajethi zabo. Ngokungeza oku kuwe unokukwazi ukwenza umsebenzi ongcono wokulandelela imali yakho kunye nokusebenzisa imali yakho phantsi kolawulo .
01 Ukutya ngaphandle
I-Pick Me Up Spending
Oku kuyichitha rhoqo okwenzela ukukunceda ufikelele imini. Kwabanye abantu kungaba luhambo oluya kwivenkile yendawo yekhofi kwindlela yokusebenza nganye ntsasa. Okanye kungaba luhambo ukuya kwisitolo esilungeleyo kwi-soda kunye ne-candy bar endleleni eya ekhaya okanye ngexesha lokuphumla kwakho kwasemini. Ingaba ibhanki ye-candy eyongezelelweyo uyayifaka kwinqwelo yakho nanini na xa uhamba kwisitolo sokutya . Ingaba yincwadi eyongezelelweyo oyithenga nganye ngeveki ukuhamba kwakho okanye i-DVD yokuqashisa. Awuqhelanga uhlahlo lwabiwo-mali ngenxa yokuba imali yokunciphisa idla ngokuqhelekileyo idlula ngaphantsi kwama-dollar amahlanu, kodwa ingongeza ngokukhawuleza ukuba uyayenza imihla ngemihla. Le yindawo enye eqhelekileyo apho abantu banobuthakathaka obuthathaka-mali, kwaye kufuneka kulungiswe. Awudingi ukuyeka le ndlela yokuchitha yonke into, kodwa kufuneka udibanise kuhlahlo lwabiwo-mali ukwenzela ukuba ukwazi ukubona ukuba ufuna ukuchitha kuyo kwinyanga nganye.
03 Iindleko zokuzonwabisa
Ubusuku ngaphandle kwibhar, okanye ukuya kumafilimu kunye nabahlobo bakho kufanele ukuba yinxalenye yebhajethi yakho. Abantu abaninzi baya kunciphisa ngokukhawuleza kule nqanaba, baze baphelise ngokugqithiseleyo okanye bazive bexhalabile ngenxa yokuba abanako ukukwazi ukwenza nantoni na. Kufuneka ube neqela lokuzonwabisa eliya kukuvumela ukuba uchithe ixesha ukwenza izinto ezinokukunceda ukhululeke. Unokudinga ukunqumla emva kokuhlwa okanye ubusuku obunye ngenyanga kwaye ujonge ezinye iindlela ezibizayo.
04 Iingubo
Ukuba awuyithandi ukuthenga iimpahla, unokushiya le nto ngaphandle kwebhajethi yakho. Ukuba uthe wagxininisa ekuphumeni kwetyala, ungaphambukisa yonke imali yakho kwiintlawulo zetyala elongezelelweyo. Ukuyeka izambatho ngaphandle kohlahlo lwabiwo-mali kuthetha ukuba ukufuna isambatho sesibini, okanye iincindi ezintsha zingaphonsa lonke uhlahlo lwabiwo-mali. Uhlahlo lwabiwo-mali ncinane inyanga nganye kwaye uvumele ukulinganisela ukukhula ukwenzela ukuba ungagubungela izinto ozifunayo xa ufuna.
05 Iintlawulo zonyaka
Omnye ummandla obangela iingxaki kubantu abaninzi yiintlawulo ezifunekayo kanye okanye kabini ngonyaka. Kuhlahlo lwabiwo-mali lokuqala ungakulibala ukulufaka kwisabelomali sakho, de kube uhlawulwe ngowilwayo. Enye into eqhelekileyo ongayikhohlwa yiirhafu zasekhaya, irhafu yentlawulo kunye nokubhaliswa. Enye indlela elula yokuzicwangcisa ezi zinto kukudibanisa inani elihlawulelweyo kunyaka odlulileyo kwaye ulwahlule ngamabini anesibini. Beka eceleni le mali nganye ngenyanga ukuze ube nemali yokufihla iindleko ezizayo. Kufuneka uphinde usethe uluhlu ukuze uhlawule iindleko ezingavumelekanga njengeendleko zokuya emtshatweni womhlobo . Oku kunokukunceda ukuba uhlele uhlahlo lwabiwo-mali lwangonyaka olukunceda ukuba ufikelele kwiinjongo zakho zemali .
06 Utywala
Uxinzelelo yizinto ongazicwangcanga ngazo, njengokuba imoto yakho idiliza, uhambo oluya kwigumbi lexakeka okanye i-bill plumber engalindelekanga. Ezi ndleko zingongeza ngokukhawuleza kwaye zenze kube nzima ukuzihlawula. Unokwenza imali yokucoca ezinye iindleko ezifana nokulungiswa kwemoto, kunye nebhajethi imali yokubeka kwi-fund yexakeka kwiinkcitho.
07 Izipho
Nangona, unokukwazi ukusingatha isipho sosuku lokuzalwa, ngokuqinisekileyo kufuneka ube nebhajethi uluhlu lwezipho. Unokufuna enye ekhethekileyo ngezipho zeKhisimusi kunye neendleko kunye nesinye sezipho eziqhelekileyo. Abahlobo abatshatileyo banokukrazula ibhajethi yakho yezipho, ngoko kubalulekile ukucwangcisa oku.