Kutheni Ndikwazi Ukujonga Ukuba Ndilandele Uhlahlo lwabiwo lwam?

by UMiriam Caldwell

Ukuba uhlahlo lwabiwo-mali alusebenzi kuwe, kufuneka uqwalasele izinto ezimbalwa. Uhlahlo lwabiwo-mali aluvumelekanga ukuba lusebenze ngezizathu ezahlukeneyo, kwaye ude ufumanisa ukuba ziphi na ongeke ukwazi ukulungisa ingxaki. Isitayela sakho sohlahlo lwabiwo-mali asinakufanisa inkqubo oyimisile, okanye unokuba nezinye izinto. Le mibuzo elula ingakunceda ukulungisa ubuthathaka bakho bokuhlawula imali obumisa ekulawuleni imali yakho ngokufanelekileyo. Unokuzibona iimpazamo zakho zohlahlo lwabiwo-mali kwaye uzilungise . .

01 Ngaba uhlahlo lwabiwo-mali lwenu luyiyo?

Ngokuqhelekileyo abantu bahlala phantsi baze bathathe isigqibo sokuba ziphi na iindidi ezinokunqunyulwa xa zenza uhlahlo lwabiwo-mali. Basenokungaqapheli okokuqala ukuba amanani abo awanako ukusebenza. Unokudinga ukwandisa iindidi ezithile (ezifana negesi okanye ukutya) kunye nokunciphisa ezo ezingabalulekanga ukufihla iimfuno zakho ezisisiseko. Kufuneka uqinisekise ukuba usoloko udla ukutya, indawo yokuhlala kunye namandla. Emva koko yonke into iyathengiswa.

02 Ngaba Unqamle konke okuzonwabisa?

Ukuba uthe wachitha zonke iindidi zokuchitha okanye izinto zokuzonwabisa, unokuzibeka ngokwakho ukuhluleka. Wonke umntu udinga imali yokuzonwabisa kumyanga nganye. Unokwenza umlinganiselo wokufikelela kwiidola ezingamashumi amabini ngenyanga xa uhlahlo lwabiwo-mali luqinile, kodwa ukuba iidola ezingamashumi amabini kunokukunceda ukuba ungavumi uhlahlo lwabiwo-mali ngokuchitha ikhulu kwivenkile nganye ngeveki nganye. Le ncinane encinci yemali inokukunqanda ukuba uzive unyanzelekile, okhokelela ekudlulileyo.

03 Ngaba Ingxaki Yokuzilawula?

Ukunyaniseka, ngaba awukhathaleli ngokwaneleyo malunga nemali yakho ukuze unamathele kubhajethi yakho? Ngaba ugxininise ukuthotyelwa kwangoko? Ukunyaniseka kwemali encinci kunokuncedisa ukuthintela oku. Ukongezelela oko kunokukunceda ukubhala phantsi iinjongo zakho zezemali uze uziqhube kunye nawe kwisikhwama sakho okanye isikhwama. Njengoko ukhupha imali yakho okanye ikhadi lakho lokubambisa kwaye ujonge ezo njongo, kunokukunceda ukukhumbuze isizathu sokuba uhlahlo lwabiwo-mali.

Ungadinga ukukhusela izitolo ozenzayo ukugqithisa kakhulu. Ezi zicwangciso zinokukunceda ukuba ugweme amabhasi ohlahlo lwabiwo - mali . Unokuba usenokuchitha imali ngaphandle kokuyiqonda . Qiniseka ukuba awuthengi izinto ongazisebenzisiyo okanye ozidingayo. Thatha umhlobo nawe ukuba ufuna uncedo lokunciphisa imali yakho.

04 Ngaba uhlahlo lwabiwo mali lusebenza kakhulu?

Ukulandelela iindleko zakho, ukuvavanya iindleko zakho kunye nokulinganisa i-checkbook yakho kuthatha ixesha rhoqo ngosuku. Ukuba uyayithiya ukwenza oku, shintshela kwiimvilophu kwaye ushiye ukusebenzisa ikhadi lakho lokubambisa. Ukuba kuyimfuneko yokuba nexesha lokulandelela iindleko zakho, ukuhlala phantsi kunye nokusebenza kubhajethi yakho imizuzu emihlanu ngosuku kunokuncedisa ukunciphisa iiseshoni zexesha elide elichongiweyo.

Ukongezelela unokuqwalasela ukutshintshela kwinkqubo yokuhlawula imali kuphela ukuze uchithe ixesha elichaphazelekayo okanye uzame ezi zihlanu zeebhajethi ukwenzela ukuba kube lula. Ukwenza ulandelelwano lweendleko zakho ngendlela elula njengoko kunokwenzeka kuya kukunceda unamathele.

05 Ngaba Ngaba Iinjongo Zakho Zemali Ziyabonwa?

Ukuba usebenza ukuphuma kwetyala, kodwa uyazi ukuba kuya kuthatha unyaka okanye ezimbini, ngoko kunokuba kunzima ukunamathela kwisicwangciso. Unako ukumisela abamakishi abahamba phambili kwiindlela. Njengoko ufikelela ezi zinto ungazivuza. Oku kungabangela ukunyanzela uhlahlo lwabiwo-mali. Unokuzivuza ngokutya okulungileyo xa unokuziphepha zonke zokutya zokutya ngokukhawuleza kwenyanga. Ukuba uhlawula iwaka leedola kwiitalente, unokuzivuza ngomdlalo wevidiyo okanye ingubo entsha.

Le mivuzo encinci inokunika uncedo olongezelelweyo olufunekayo. Kufuneka uhlalutye ngokucwangcisiweyo uhlahlo lwabiwo-mali ukuze uqiniseke ukuba ikukuhambisa kwiinjongo zakho. Oku kuthetha ukujonga iindleko zakho ngoluhlu, kwaye uqinisekise ukuba ulinganiselwe kwisabelomali sakho. Qinisekisa ukuba awuyi kungena kwetyala njengoko uzivuza.

06 Ngaba Wena Nomfazi Wakho Nilwela Uhlahlo lwabiwo-mali?

Ukuba awusebenzi kwiimali kunye kunye, unokufumana ukuba iqabane lakho lichitha uhlahlo lwabiwo-mali ngenyanga. Kubalulekile ukusebenza kunye ukuphepha iingxaki zemali nezomtshato. Unokuthi uxoxisane ngokusebenzisa iindidi ezibaluleke kakhulu komnye nomnye, kwaye ufumene uhlahlo lwabiwo-mali olusebenza kokubili.

Iintlanganiso zebhajethi okanye zemihla ngemihla zinokukunceda njengoko usebenza ekulandeleni uhlahlo lwabiwo-mali. Iintlanganiso zemihla ngemihla zibalulekile kukukunceda uqonde iingxaki zakho kunye nokulawula imali yakho. Xa uhlahlo lwabiwo-mali kunye nomnye, ezi ntlanganiso zibaluleke ngakumbi kuba unokuphela kokuchitha imali ngexesha elifanayo.

07 Ngaba Ulibala ukuquka izinto kwiBhajethi yakho?

Kubalulekile ukukhumbula iindleko zakho zonyaka kubhajethi yakho. Unako ukusekela isikhwama sinkcazo kulezi ndleko. Kufuneka uphinde usethe uluhlu ukuze uhlawule iindleko ezingavumelekanga njengeendleko zokuya kumtshato womhlobo.

Ezi ndleko ezingalindelekanga zingabonakali nje ngezoxakeka, kodwa kubalulekile ukuzicwangcisa. Ungafunda malunga nabo ngokukhawuleza ukuba unokubeka eceleni imali kubo, okanye unokuba negalelo elibekwa bucala ukuze udibanise iindleko zokuzigubungela. Izinto ezifana neerhafu okanye i-inshurensi yemoto ungayifaka isikhwama sinkcazo kwaye unikezele imali ekhuselekileyo ukuyifihla.