Ukufumana ingxaki kunokukunceda wenze isicwangciso sokulawula imali yakho.
Ngaba Unyindlu Ehluphekayo?
Usenokuba ugqibe ekubeni ixesha lokuthenga indlu xa ekugqibeleni ufumana ukuphakanyiswa, okanye uhambe kwindlu yokuhlala. Oku kunokuchaphazela uhlahlo lwabiwo-mali lwakho, ngaphezu kokuba uqaphela. Xa ungumntu osweleyo indlu , ininzi yengeniso yakho iya kwintlawulo yakho yendlu. Ingaba indlu yakho inkokhelo engaphezulu kwama-20 ekhulwini? Ukuba kunjalo, unokuba nzima ukugcina nokuhlangabezana nezinye iindleko. Kufuneka ucinge ukuba uzimisele ukwenza imibingelelo efunekayo ukugcina ikhaya lakho. Oku kusenokuthi kusenakukwazi ukufikelela kwimigangatho xa usebenza ekuhlahliseni ubulungisa ukuze uhlaziywe kwintlawulo efumanekayo okanye ufumane ukuphakanyiswa okukhulu. Ukuba kuninzi, unokudinga ukuthengisa nokuthenga into enokuhlawulekayo.
Ngaba Unomatyala Omkhulu?
Enye ingxaki ingaba isixa semali ophetheyo.
Kufuneka uqwalasele umlinganiselo wakho womvuzo-kuya-ngeniso , kwakunye nexabiso ohlawula ngayo iintlawulo zetyala ngenyanga. Eli tyala kufuneka libandakanye amakhadi enkokhredithi, iimali-mboleko zakho, iintlawulo zemoto kunye nemali-mboleko yomfundi. Ukuba uhlawula ngaphezulu kweesentimenti ezingamashumi amathathu yengeniso yakho kwisikwere ngenyanga, usemngciphekweni wokusilela, kwaye inokuchaphazela kakhulu uhlahlo lwabiwo lwakho.
Kule meko, kufuneka usebenze ngokukhawuleza ukuzisa iintlawulo phantsi kwaye uphume kwetyala ngokukhawuleza. Kusenokuthetha ukukhawuleza indlela yokuphila okanye ukuthatha umsebenzi wesibini ukulawula izinto.
Ngaba Unayo Imiba Yokuchitha?
Xa ukhangela izinto kwiphepha, yonke into isebenza. Unayo ngokwaneleyo ukufihla iimfuno zakho ezisisiseko, kunye nemali eseleyo ukuthenga ezinye zezinto ozifunayo. Kodwa ngandlela-thile phakathi kwenyanga, ushiywe kungekho mali nonke. Unomzabalazo ekupheleni kwenyanga ukubeka ukutya kwitheyibhile uze ufake ezinye iindleko. Ukuba oku kwenzeka kuwe, mhlawumbi uchitha imicimbi, kwaye unokufuna ukuzama ukutshintsha imali yonke into ngaphandle kweebhola zakho . Oku kunokukunceda ukuba uqaphele xa uchithe imali okhoyo kuwe.
Unayo iBhajethi?
Enye ingxaki ingaba unalo uhlahlo lwabiwo-mali ukulandela inyanga nganye. Uhlahlo lwabiwo-mali lu ngaphezu kweluhlu olubhaliweyo lwezinto ezihlawulwayo. Isicwangciso esinika imali yakho injongo. Ikunika amandla okugqiba ukuba njani, nini kwaye kuphi na ukuyisebenzisa imali yakho. Kufana nokuba nomkhondo wezempilo kwiimali zakho . Ukuba ucinga ukuba wenza okwaneleyo ukugubungela yonke into, kodwa awuzange ubhale phansi uhlahlo lwabiwo-mali ke ungeke ukwazi ukuxelela ukuba ingxaki yakho yintoni.
Thatha ixesha namhlanje ukubhala phantsi uhlahlo lwabiwo-mali, kwaye ubone apho imali yakho iya khona. Emva kokuba ubhale phantsi, uya kufuneka ulandele iindleko zakho kwaye unqande ukuchitha imali xa ufikelele kwimida yakho.
Ngaba Unayo Imali Efanelekileyo?
Enye into ekufuneka uyiqwalasele ukuba ingaba ungenayo imali elungileyo xa uyifake iirhafu zakho. Ukuba unemali yokubolekisa okanye ukuba unabantwana, unokukwazi ukufaka ibango ngaphezulu kwaye ufumane imali eninzi ngekhekhe lokuhlawula. Indlela elula yokujonga ukuba unamalungelo okubambelela kukusebenzisa i-IRS yokubamba i-calculator. Kufuneka wenze oku xa umvuzo wakho okanye imeko yenkcitho iguquka.
Thatha ixesha lokutshintsha imeko yakho namhlanje
Unokuguqula imeko yakho yezemali. Kuya kuthatha umsebenzi, kodwa kuya kuwufanele. Isinyathelo sakho sokuqala ukuseta ibhajethi yakho.
Oku kuya kukunceda uhlolisise ingxaki yakho. Ukusuka apho ungenza isicwangciso sokuphuma kwetyala. Unokufuna ukwenza imali engakumbi, ubuncinane ngelixa uhlambulula nayiphi na imiba enokuba nayo. Emva koko, ingxowa-mali yongxamiseko inokukunceda ukwenza uhlahlo lwabiwo-mali lube lula kwaye luyakunceda ukufihla iindleko ezingalindelekanga eziza kuhamba. Ekugqibeleni, uya kufuna ukugcina iindleko zonyaka. Emva koko unako ukhululekile kwaye ulungele ukusingatha nayiphi na imeko engxamisekileyo ezayo. Njengoko wenza oku kuthatha ixesha lokukhumbula oko ufunde ngokuphathwa kwemali njengoko utshintshe imeko yakho yezemali.