Ingxamiseko yezemali inokugxotha uhlahlo lwabiwo-mali, kodwa xa uhlala kwi-paycheck ukuhlawula , usemgangathweni xa kukho nayiphi iindleko ezongezelelweyo ezinokubakhoda imali yakho. Oku kunokwenza kube nzima kunzima. Ingenza ugqirha okanye isibhedlele okanye ukufumana imoto yakho ilungiselele ingxaki enkulu engakugcina ebusuku kwaye igxininise. Ngokutsho kweBhangerate.com kuphela ama-37 ekhulwini aseMerika anele ngokwaneleyo ukumboza i-$ 500 engxamisekileyo.
Ukuba ufuna ukufumana uxolo lwezezimali kwaye uyeke ukukhathazeka ngezemali, kufuneka uqalise inkqubo eya kuphuma kule meko kwaye yenza ukuba ukwazi ukukhupha iindleko zakho ngaphandle kokuthembela kwiinkampani zekhadi lesikweletu okanye ezinye iindleko ezibizayo.
Ungayifumana Imali Kangakanani Ngaphandle KoTyala?
Uvavanyo olukhawulezayo ukubona indlela oyenzayo ukujonga ukuba ungaphila imali ngaphandle kokusebenzisa ikhadi lekhredithi kwiveki ezayo. Unokwazi ukubheka i-akhawunti yakho yokulondoloza kwaye ucinge ngemali okhoyo kuwe. Unokujonga kwakhona ukuba ungaphinda uchithe imali engakanani ngeveki ukuze ubone ukuba unokukhawuleza njani ukongeza imali eyongezelelweyo yokusingatha iindleko ezingalindelekanga. Xa unayo le nombolo, kufuneka uqikelele ukuba unako ukuhlawula phi. Ukongezelela, unokuba ufuna ukucinga ukuba uninzi kangakanani kwikhadi lekhredithi, kuba ukuba udibanise loo mithombo, unokubekwa kwimeko enobungozi ngakumbi xa kuziwa kwiimali zakho.
Ngaba Unokuhlawula Iziganeko?
Kubalulekile ukwazi ukuba ingaba unako ukujonga iimeko ezikhawulezileyo. Uninzi lwezengxamiseko zonyango lunokuthi lugqitywe ngephorensi, kwaye isibhedlele okanye ugqirha unokufuna ukulungiselela isicwangciso sokuhlawula abanye. Nangona kunjalo, oku kuthetha ukuba unokuba nobunzima kwiinyanga eziliqela njengoko usebenza ukuhlawula i-bill yasekudala.
Iimoto kunye neengxamiseko zasekhaya ziyimpumelelo eyahlukileyo kuba iinkonzo ezininzi kunye neenkonzo zokulungisa zilindele ukuba zihlawulwe ngexesha leendleko. Xa usesimweni ofuna imoto yakho ukuba ufike emsebenzini, kodwa awukwazi ukufumana iindleko zokulungiswa, unokukuthumelela ngemali. Kubalulekile ukucinga phambili kwaye uqale ukucwangcisa ngoku ukuze ungazifumani kule meko.
Sebenzisa i-Emergency Fund ukulungisa iiNgxaki zakho
Ingxowa yakho yexakeka ngenye yezona zicwangciso ezifanelekileyo zokulungisa le ngxaki. Inkxaso-mali engxamisekileyo exhaswa ngemali inokukuvimba ekusebenziseni amakhadi enkokhelo kwimeko engxamisekileyo kwaye kukunike uxolo kwengqondo oyifunayo kwiimeko ezinzima. Kufanele ube phakathi kwe-$ 1000 kunye nengeniso yenyanga enye kwingxowa-mali yakho yexakeka-mali uze uphume kwetyala, kwaye ke kufuneka usebenze ekwakheni iindleko zonyaka. Oku kuya kukunceda ukufihla yonke into ukulungiswa kwemoto ukuba utyeshelwe emsebenzini wakho. Unokuqala ngokubeka eceleni i-$ 100 ngenyanga okanye ukuhlawula kude ube nokwakha i-fund yakho yengxamisekileyo. Ukuba uhlala ngokwenene kwi-paycheck ukuhlawula, unokufuna ukuba uthathe umsebenzi wesibini okanye ucinge ngokuthengisa izinto ezithile ukuze ufumane imali yokubeka eceleni. Ukuba uchitha nje izinto ezininzi ozifumanayo kwiindleko zokuzonwabisa okanye ukondla, unokumangaliswa ukuba ungalondoloza buninzi kangakanani ngokunciphisa imali yakho.
Kule meko, ukugcina kufuneka kufike ngaphambi kokuhlawulwa kwetyala .
Iindlela zokuLondoloza imali ngokukhawuleza
Ukuba awunayo ingxowa-mali yongxamiseko, kufuneka ukhethe ngokukhawuleza. Unokwenza oku ngokuguqula isabelomali esingenanto kunye nokuyeka yonke imali engadingekanga. Enye indlela yokugcina imali ngokukhawuleza kukuyeka ukutya ngaphandle kwenyanga. Ukuba upheka ekhaya uze upake isidlo sasemini emsebenzini, ungasindisa ngokulula ukuya kuma-$ 200 ngenyanga, kuxhomekeke kwindawo odla ngayo. Ukuba unqamle ukuthenga iimpahla okanye ukuya kwi-movie kwinyanga okanye ezimbini, kufuneka ukwazi ukugcina ngokwaneleyo ukuqala i-fund yakho yexakeka. Ungaphinda ufune ukucinga ngezinto ezithengisayo okanye uthatha umsebenzi wesikhewu sokwakha umkhonto ofuna ukuwufumana.