Indlela yokujongana neengxaki zeBhajethi yakho
Ukusebenzisa uhlahlo lwabiwo-mali ukulawula imali yakho kubalulekile ekuhlawuleleni ityala lakho. Kodwa, ngamanye amaxesha uhlahlo lwabiwo-mali lwakho alusebenzi . Amanani awanako ukufanisana kwaye ngandlela-thile uhlala ulawula ukuchitha ngaphezu kohlahlo lwabiwo-mali. Nasi imfihlo: ezininzi iingxaki malunga nokuhlahlo-lwabiwo-mali azikho malunga nohlahlo lwabiwo-mali. Nazi ezinye zezizathu eziqhelekileyo zebhajethi ezingasebenzi kunye nendlela onokufumana ngayo uhlahlo lwabiwo-mali kwindlela.
01 Awuzange unikele ngexesha elifanelekileyo
02 Iindleko zakho ziphezulu kuneNgeniso yakho
Ukuba ingeniso yakho yemali (ingeniso yezindleko ezincinci) yinani elingenanto, ngoko uchitha imali eninzi kunokuba wenze. Ingxaki ayikho isabelomali, yinto yakho yokuchitha. Ukuphonononga isigaba ngasinye senkcitho kwaye ufunde ukuba yiyiphi na ongayinqumla.
Oku kunokuba ngumsebenzi onzima, ingakumbi ukuba uchitha imali kwiindawo ezenza uzive ukhululekile. Kodwa ukufunda ukuhlala ngaphakathi kweendlela zakho kunokukubeka kwindawo engcono yezemali.
03 Awunayo Imali eyaneleyo ehlawulelwe ezinye iindidi
Kulula ukuthobela indlela oza kuchitha ngayo kwezinye iindidi, ngakumbi ukutya kunye negesi. Ukuba ubona ukuba uhlala ungaphezulu kwebhajethi yakho kulawo macandelo, unokufuna ukwandisa uhlahlo lwabiwo-mali kule mimandla. Khumbula ukuba kunokuthetha ukunciphisa iindleko zakho kwezinye iindawo ukuze uhlale ungabikho uhlahlo lwabiwo-mali.
04 Awunamatheli kuyo
Kufuneka usebenzise ibhajethi yakho xa ufuna ukuba isebenze. Musa nje ukubhala amanani kwiphepha uze uyibambe kwidireyi uze uyibale. Jonga kubhajethi yakho rhoqo rhoqo ngenyanga. Ukulandelela imali yakho uze uyiqhathele nento oye wahlawula ngayo ukuze ubone indlela oyenzayo.
05 Awuzange Uhambe Naliphi Igumbi Lokuzonwabisa
Ukuphila kwisabelomali akuthethi ukuba awukwazi ukuzonwabisa nezinto zakho zokuzilibazisa nokuzonwabisa. Kuthetha nje ukuba uye wagqiba kwexesha elide uza kuchitha kwizinto. Ukuqhawula yonke into emnandi kuya kwenza ukuba uhlahloye uhlahlo lwabiwo-mali kwaye akusiyo injongo. Yigcine ingqiqo. Unokuyonwaba kwaye ungaqhubeki uhlahlo lwabiwo-mali.
06 Ugxininise ngakumbi kwiSixhobo kuneSicwangciso
Isabelomali esiyimpumelelo ayifuni i-spreadsheet yakutsha okanye isofthiwe yezimali. Ungabhala ubeke uhlahlo lwabiwo-mali kwi-napkin kwaye wenze kube yimpumelelo njengokuba kukho naziphi na izixhobo zokuhlawula imali. Ukuba isixhobo sakho sohlahlo lwabiwo-mali siyakukuzonda uhlahlo lwabiwo-mali, sithatha phantsi inotshi. Phrinta iikopi ezimbalwa zalolu shicilelo lwebhajethi yokuprintwa ukuze uqalise.
07 Awuyilungisi
Uhlahlo lwabiwo-mali aluyikhontrakthi esemthethweni engaqinisekanga. Ngokuchasene noko, kufuneka uhlalutye uhlahlo lwabiwo-mali rhoqo ngamaxesha, ngakumbi ekuqaleni. Ukuba ingeniso yakho okanye iindleko zitshintsha, qiniseka ukuba uhlahlo lwabiwo-mali lubonakalisa utshintsho. Ubomi obunzulu buguquka njengomtshato, umtshato, okanye ukuzalwa, kufuna kwakhona ukulungiswa kohlahlo lwabiwo-mali. A
08 Awunakwenzi Ukuzikhupha
Ukunamathela kwisabelomali sakho kuya kufuna ukuba uthi "cha" kwezinye izinto ezingenakulungiswa. Kusenokwenzeka ukuba ufanele ukuyeka ukuthenga ngokukhawuleza ukuba ukhangele uhlahlo lwabiwo-mali ukuba ubone ukuba unako ukuwufumana. Ungesabi ukulibazisa ukuthenga okuthile, nokuba ngaba kuthetha ukugcina kwabo.
09 Ukhohlisa
Ewe, unokukhohlisa kwisabelomali. Unokudlula umvuzo wakho okanye uhlawule iindleko. Akukho mntu uya kukugweba ngenxa yokukhohlisa kwibhajethi yakho. Qaphela, nangona kunjalo, ukunamathela kwisabelomali sakho kunokuba nemiphumo, njengetyala elingaphezulu lokuhlawula okanye ukudibanisa imali yakho yokugcina ukuhlawula iindleko eziqhelekileyo.
10 Ulibale ezinye iindleko
Ukuba awubandakanyi zonke iindleko kuhlahlo lwabiwo-mali, luyakubonakala luphukile xa uthelekisa imali yakho kwingeniso yakho ekupheleni kwenyanga. Sebenzisa ukukhangela, ukufumana ibhanki kwi-intanethi kunye neerithi zokurhoxiswa kwe-ATM ukuze uthathe zonke iindleko zakho.
11 Awuzange Uhlahlo lwabiwo mali kwiNkcitho yoNyaka
Azikho zonke iindleko zakho ezifunekayo ngenyanga. Abanye babo, njengeentlawulo ze-inshorensi okanye irhafu yepropati, kuphela ngenxa yanye kanye ngonyaka. Ukuba awubandakanyi ezi ndleko kwibhajethi yakho, baya kukuthabatha. Uhlahlo lwabiwo-mali lweendleko zonyaka kunye nonyaka-mali ngokwahlula iindleko ezipheleleyo nge-12 okanye 6. Ukuba ubeka imali ngexesha lonyaka, ezo ndleko ezinkulu aziyi kuhlawula ibhajethi yakho.
12 Awunayo iNgxowa-mali eNgxamisekileyo
Ingxowa-mali yongxamiseko ikwagcina ukuba uchithe ngaphandle kwipokethi kwiindleko ezingalindelekanga. Ukuba awunayo ingxowa-mali engxamisekileyo ngoku, qalisa ukubeka iidola ezimbalwa kwinyanga nganye de ube nokwakha i-fund yangxamisekileyo yengxowa-mali eyinyanga yeenyanga ezintathu ukuya ezintandathu zokuhlala.