Kusenokwenzeka ukuba ufuna ukujongana nabo bonke abasixhenxe ukuze ubone umehluko kwimali yakho.
1. Khangela Ingxaki Yakho Eyona Mkhulu
Ngokuqhelekileyo, xa uhlala kwimodi yokusinda, unomnye wezinto ezimbini ezibalulekileyo. Nokuba ungenzi imali eyaneleyo kwaye unenkcitho yengeniso okanye unenkcitho yokuchitha . Unokuba nobuncinane bobabini. Indlela elula yokufumana umba wakho kukuba ubhale iindleko zakho zenyanga zenyanga uze uziqhathanise nenzuzo yakho yenyanga. Ukuba iindleko zakho zokubeka (kuquka ukutya ngaphandle kweendleko zokuzonwabisa kunye nezinye izinto eziphathekayo) zingaphezu kwemali engenayo, unemivuzo engenayo. Ukuba wena uphepha iphepha, unokulukhusela ngokulula ezi ndleko, ngoko unokukhishwa kwemali.
2. Fumana kwiBhajethi ejongene neengxaki zakho
Ukuba unemivuzo, uza kufuna ukusekwa uhlahlo lwabiwo - mali olujongene nezidingo ezingenanto . Uzakufuna ukunciphisa yonke imali eyongezelelweyo ukuze uqale ukubeka imali ngaphandle okanye ukuvala kuphela izinto ezisiseko.
Oku akuyi kunanela ukutshintsha imeko yakho, kodwa isinyathelo sokuqala. Ukuba uchitha izinto, uhlahlo lwabiwo-mali lwakho luyona nyathelo elikhulu ekutshintsheni imeko yakho. Kufuneka unciphise kwaye ubeke phambili yakho imali. Oku kuthetha ukubeka inani elithile onokulichitha kwiindidi ezithile kwinyanga nganye.
3. Ukwandisa iNgeniso yakho
Isinyathelo esilandelayo kufuneka uyenze ukuphucula imeko yakho yezemali kukunyusa ingeniso yakho. Unokwazi ukubheka izixazululo ezifutshane kunye nexesha elide. Isisombululo esifanelekileyo esifutshane siza kuba ngumsebenzi wesibini. Isisombululo sexesha elide singathetha umsebenzi omtsha okanye ushintshe imisebenzi ukuze ufumane imali engaphezulu. Kubalulekile ukukhangela umsebenzi oza kukuhlawulela ngokwaneleyo ukwenzela ukuba ukwazi ukufikelela ekupheleni komsebenzi omnye. Xa wenza oko, uya kukwazi ukuphumelela ngokwenene ngemali. Oku kunokuthetha ukubuyela esikolweni kwaye ufumane isitifiketi okanye izatifikethi ezingaphezulu ukwandisa amandla akho okufumana.
4. Ukunciphisa iindleko zakho eziqhelekileyo
Ukuba unesimo sokusinda, kufuneka ufumane iindlela zokunciphisa kakhulu inani elichithayo kwiindidi ezahlukeneyo. Esikhundleni sokugxila ekunqumeni izinto eziphathekayo okanye ezinye izinto, kufuneka ukhangele iindlela onokunciphisa iindleko ezinkulu. Oku kuthetha ukujonga izinto ezifana nentlawulo yakho yendlu okanye irente. Ukuba ungumntu osweleyo indlu, unokufuna ukuthengisa ikhaya lakho okanye ujonge ekufumaneni umntu ohlala naye ukuze ancede ukunciphisa iindleko zezindlu. Ukuba uqeshisa, ohlala nabo bahlala kukhetha, kodwa ukuthuthela kwipropati elithengekayo kunokukwenza izinto zibe lula. Ngokufanayo, jonga ukuhlawulwa kwemoto yakho.
Ukuba iphakamileyo yengeniso yakho, kufuneka ufumane indlela yokuyinciphisa. Unokudinga ukuthengisa imoto yakho eninzi kwaye ukhangele imoto ethembekileyo endala ukwenzela ukuba unciphise le ndleko.
5. Yeka Ukutya Kwangaphandle
Xa usebenza imisebenzi emininzi kwaye ukhawuleza ukuze uphumelele, ungazivakalelwa ngathi unako ukupheka. Ukutya ekhaya ngokuqhelekileyo kudla ngokuphindwe kabini oko uza kuchitha xa upheka ekhaya. Nangona kuthatha ixesha nokucwangcisa, ukupheka ekhaya kunokukunceda ugcine imali. Ukuba ungasuka ekutya okulula kwaye upheke ukususela ekuqaleni, ungagcina ngaphezulu kwimbali. Umzekelo, ukuba ufumana ixabiso lemenyu kwindawo yokutya okukhawulezayo, mhlawumbi uhlawula i-$ 7.00 ukuya kwi-8.00. Ukuba uthengela isidlo esineqabile kwisitolo sokutya, iindleko ziya kuba malunga nesiqingatha saloo nto. Ukuba wenza i sandwich ekhaya, unokuzisa iindleko eziphantsi nangona mzuzwana nje.
Zama ukupakisha isidlo sakho sasemini usebenze ubone indlela ongayilondoloza ngayo.
6. Fumana ezinye iindlela zokugcina
Usenokuba sele uhlala kwindawo encinci ngaphandle kwemali esetyenzisiweyo kwiindleko zokuzonwabisa okanye nayiphi na eyongezelelweyo. Nangona kunjalo, ukuba unokufumana iindlela ezongezelelweyo zokugcina imali, uya kukwazi ukujika imeko yakho ngokukhawuleza. Unokukhetha ukumisa imali engadingekanga okanye ukujonga iindlela zokugcina ngaphezulu. Ukuba u-carpool usebenze, unganciphisa iindleko zakho zokuthutha. Zama ukuyothenga kwivenkile yokutya okanye ezahlukeneyo zokugcina imali.
7. Fumana iNgxowa-mali eNgxamisekileyo
I- fund yakho yengoxakeka ngenye yezona zinto zilungele ukuyeka ukuhlala kwiinkathazo. Yenza kube lula ukunamathela kubhajethi yakho kuba uyazi ukuba unento yokubuyela emva ukuba imoto ihlawule ngokukhawuleza. Xa ungakhathazeki malunga neengxaki zemali ezilandelayo, kulula ukugxila kumsebenzi wakho kwaye ufumane iindlela zokufumana imali engaphezulu. Qala ukubeka bucala imali nganye nyanga ukwakha i-fund yangxamisekileyo ye-$ 1,000 kunye neendleko zenyanga enye ukuya kuphuma kwetyala.
Phuma kwiTyala
Uninzi lwabantu kwimodi yokusinda banalo ubuncinci betyala elixhomekeke. Kungenzeka ukuba uye wasebenzisa amakhadi enkoleko ukuze ufumane inyanga enzima okanye ngaphandle kwejam, kodwa awubonakali uhlawula inyanga nganye kwaye izilinganiso ziyahamba. Khangela ukuba malini ityala lakho eliphuma kubhajethi yakho. Kungenzeka ukuba uza kuba neenjongo zokwenza ubomi xa ungenayo iintlawulo zetyala. Yenza isicwangciso sokuhlawula ityala kwaye usebenze ekuphumeni kwetyala ukuze uqale ukuzakhela ubutyebi nokuphatha kakuhle imali yakho.