Ukuba unengxaki yonkqantosi endleleni okanye zonke iindleko ezingalindelekanga, unokufumana inzuzo kwingxowa- mali engxamisekileyo . Ukuhamba ngaphandle kwengxowa-mali yongxamiseko kufana nokusebenza ngaphandle kokonga . Ingxowa yakho yexakeka kukukhusela kuzo zonke iindleko ezingalindelekanga onokuhlangabezana nazo nokuba zinkulu okanye zincinci. Nazi izizathu ezisibhozo kufuneka ube neengxowa-mali .
01 Uzama Ukuphuma Kwimatyala
- Kulula ukuhlawula imali eyongezelelweyo kwi-matyala ngokukhawuleza xa unesigxina seendleko ezingalindelekanga.
- Faka ingxamiseko yakho kwi- bhajethi yakho ide ihlawulwe ngokupheleleyo.
02 Uqale nje uhlahlo lwabiwo-mali
Xa uqala uhlahlo lwabiwo-mali, usenokushiya ezinye zeendleko ozifunayo ukuba uzicwangcise. Ingxowa-mali yakho yokukhawuleza iyakubhenca ezinye zeendleko zonyaka wokuqala, kwaye unako ukongeza ezo ndleko kwibhajethi yakho njengoko zivela. Oku kunokuba iindleko zonyaka ezifana neerhafu okanye ezinye izinto njengezipho okanye iintlawulo zemibutho. Ingxowa yakho yexakeka-mali ingakunceda njengoko ulungelelanisa kubhajethi yakho.
- Njengoko iindleko ezingenakulungiswa zivela, zibhale uze uzilungele uhlahlo lwabiwo-mali ukuba uzibandakanye kwixesha elizayo.
- Emva kweenyanga ezimbalwa, akufanele ube neendleko ezingalindelekanga.
03 Unayo Imali enye
Ukuba unomthombo omnye wemali engenayo, kubalulekile ukuba ube nengxowa-mali engxamisekileyo. Oku kunokukunceda ufumane ukulahlekelwa ngumsebenzi okanye ukugula okukugcina ungasebenzi. Ukuba ungatshatanga okanye ukuba ungumniki-ntlawulo kuphela kwintsapho yakho, kufuneka usebenze ukuba ube neendleko zonyaka ezigcinwe. Unokwakha isikhwama esikhulu esiphuthumayo emva kokuphuma kwetyala.
- Ukuba uqala nje intsapho , unokufuna ukwandisa i-urgence yakho.
- Ukuba ungatshatanga, sebenza ekwakheni i-fund yakho yexakeka ngokukhawuleza.
04 Uzimeleyo okanye unkonkontrakthi
Ukuba usebenza ngokuzimeleyo, ukontraka ozimeleyo okanye ukuba usebenza umsebenzi ongakuvumeli ukuba ubange i-benefit benefit benefit, kubalulekile ukuba ube nexakeka elifanelekileyo loxinzelelo olugcinwe. Kwakhona kubalulekile ukuba nemifudlana emininzi engenayo njengoko umlinganiselo womsebenzi ukhuphuka phezulu. Ukuba uyazi ukuba isivumelwano sakho sizakuphela ngokukhawuleza, kufuneka usebenze ekwakheni imali eninzi kwingxowa-mali yakho.
- Ukongezelela, unokuba ufuna ukucwangcisa imali eyongeziweyo kwiinyanga xa ishishini liphuza.
- Gcina ithrekhi yeevoyisi zakho ukuqinisekisa ukuba ungaphuthelwa ukuqoqa ngemali ukuze ugweme ukufuna ukusebenzisa i-fund yakho yengoxakeka.
05 Wena Unayo Ikhaya Lakho
Xa ungumnikazi wekhaya lakho, kuya kufuneka uhlawule yonke yakho yokulungisa nokugcina. Nangona kufuneka ubeke isikhwama sokucoca ukulungisa ukulungiswa kunye nokulungiswa okuninzi, unokuba neendleko ezingalindelekanga ezifana nokulungiswa kwamaplani okanye ukulungiswa kwemimoya. Ingxowa-mali yakho yokukhawuleza inokukunceda ukusingatha ezi ndleko kwaye wenze ikhaya lakho libe lincinci.
- Ukulungiswa kwekhaya kungabiza, njengoko kuthatha indawo yokufaka umoya okanye isithando somlilo. Zama ukumisela iimali zokugcina ezi ndleko ngaphambi kokuba zenzeke.
- Qinisekisa ukuba uceba isibonelelo sakho kwisabelomali sakho.
06 Uhlala Kude kude neNtsapho
Kungabiza ukuhamba ekhaya, kwaye iindleko ziya kuphakama ukuba ufuna ukuhamba ngomzuzu wokugqibela kwimeko engxamisekileyo. Unceda ukuba ube neengxowa-mali ezixakekileyo ezigcinwe ukuhlawula iindleko zamatikithi okugqibela ukuya ekhaya okanye nakwamanye amalungu entsapho xa kwenzeka uncedo lwezonyango okanye umngcwabo.
- Ixabiso lentlawulo yetikiti zeenqwelo-moya nezinye iindleko kwaye uqale ukugcina oko.
- Khumbula ukuba ukubhuka kweminithi yokugqibela kudla ngokubiza.
07 Unemiba yezonyango
Isimo esinyango sonyango singakwenza ukuba ukhululwe ngokukhululekileyo kunyaka ngamnye. Unokuba novavanyo oluqhelekileyo olongeza ngokukhawuleza. Ungasebenzisa zonke ikhefu lakho lokugula kwaye ugqibe ukuthabatha iintsuku ngaphandle kwenkokhelo. Inkxaso-mali engxamisekileyo exhaswa ngemali inokukunceda ukujongana nale ndleko kwaye wenze kube lula ukufikelela kule mizuzu enzima.
- Imiba yezonyango ingaba yindleko kwaye iinkampani ze-inshorensi zingenakho ukuhlawula konke okulindele ukuba bahlawule.
- Ungaphinda ulahleke umsebenzi kwaye uphumelele ekuhlawuleni ukugula okungakhokelela kwimibandela emikhulu. Ingxowa yakho yexakeka ingakunceda ukucima oku.
08 Uyalondoloza Iinjongo
Ukuba usebenza ngenjongo yokufumana ikhaya okanye ukuqala ishishini, umsebenzi wakho wokuxakeka unokukuyeka ukuba ungene kuloo ndolozo xa iindleko ezingalindelekanga zityalo. Oku kunokukunqanda ukuba uphenduke ngasemva ngeenjongo. Nangona inkqubela phambili iya kuthoba xa uvuselela kwakhona i-fund yakho yengoxakeka, uya kukwazi ukushiya imali oyilondolozayo. Le ndlela yindlela yokukhusela imali yakho .