Ziyasebenza kwindawo yokwesaba, echaphazela indlela eyenza izigqibo ezincinci zemihla ngemihla kwaye zikhusela ukuba zenze izigqibo zobulumko kunye neenjongo ezide.
Ngaba Usebenza kwindawo yoyika?
Into yokuqala okufuneka uyenze ukukhetha ukuba okanye awusebenziyo kwindawo yokutya. Emva kokuba uqaphela oku uza kuba nokuqala ukwenza utshintsho lokwenene malunga nezimali zakho. Nazi iimpawu ezimbalwa:
- Ndixhala malunga nokuthenga ukutya, ukuhlawula iindleko zam okanye ukuphatha iimeko eziphuthumayo lonke ixesha.
- Ndihlala ndikhangele phambili kwi-paycheck yam esilandelayo ukuze ndikwazi ukubhala izinto eziyimfuneko.
- Ingxamiseko njengento yokulungisa imoto indibeka kumsila .
- Ndiyisebenzisa amakhadi amboleko ukuze ndigubungele izinto ezifana nokutya kwam, nangona ndiyazi ukuba andiyi kukwazi ukuhlawula yonke ibhalansi kule nyanga.
- Andinayo imali yokugcina imali.
- Ukuba ndilahlekelwe ngumsebenzi, andicinga ukuba ndingayihlawula iindleko zam ngenyanga ezayo.
- Imali yam ihambe ngokukhawuleza xa ndiyifumana.
- Andizange ndibe nemali yokongeza.
Izinyathelo Zokukunceda Ukuyeka Ukuphatha Iimali Zakho Ngoloyiko
Ngokuqhelekileyo xa usebenza ukwesaba kunye nemali yakho, kungenxa yokuba uhlala ngaphaya komvuzo wakho. Awunayo nayiphi na imali yokugcina imali, kwaye uvakalelwa ngathi awunayo nayiphi indlela yokulawula. Unokuvakalelwa ukuba awuchithekanga nantoni na ngaphandle kokuba ufune izinto kwaye awuyikukwenza.
Uzakufuna ukuthatha iindlela ezimbini ezahlukeneyo kwiimeko zakho ekuqaleni. Ukuze uhambe kwindawo yakho yokwesaba, kuya kufuneka ukhethe i-fund yengxowa-mali engxamisekileyo , enokukunceda ukuphazamiseka kwiimeko ezininzi. Kuya kufuneka kwakhona ukuba uqinisekise ukuba usebenza ngale ndlela ngenxa yokuchitha, ityala okanye imivuzo yengeniso kwaye wenze isicwangciso sokutshintsha. Oku kuthetha ukubeka iinjongo zexesha elide.
Gxi ninisa kwiBhajethi yakho
Okokuqala, dibana nebhajethi yakho. Qala ngokumisela isabelomali esingenanto esithintela iziseko zakho ukuze ube nemali eyongezelelweyo ukubeka kwi-fund yakho engxamisekileyo inyanga nganye. Olu luhlahlo lwabiwo-mali luya kuqina. Kufuneka ukuba, kodwa sinethemba lokuba awudingi ukuba ube yinto ende kakhulu. Inokukunceda ukulawula ingeniso yakho ukwenzela ukuba awubaleli iintsuku uze ufike kwindlela yokutya. Qinisekisa ukuba nemali onokuyibeka eceleni ngenxa yeengxowa-mali zakho ezingxamisekileyo kwibhajethi yakho. Yilapho ungakwazi ukuchonga imbangela yengxaki yakho, nokuba iyichitha, ityala okanye ingenzi imali eyaneleyo. Kungaba ludibaniso lwabo bonke abathathu.
Khuphula Imali Yakho
Emva koko, kufuneka ulungise intlawulo yakho kwixesha elide. Kungabonakala ngathi awunayo ixesha lokwenza oku ukuba awukwazi ukulawula ngokukhawuleza ukubeka ukutya kwitheyibhile, kodwa yindlela onokutshintsha ngayo imeko yakho.
Ukuba ubheka imeko yakho kwaye uyaqonda ukuba isizathu sokuba unzima kukuba ukhokha imali eninzi kumakhadi-mboleko nganye ngenyanga, mhlawumbi unokufuna isisombululo sengeniso yesikhashana njengomsebenzi wesibini. Unokufuna ukubuyela esikolweni ukuze ufumane umsebenzi ongcono. Ukuba ufuna ukwenza imali ethe xaxa, udinga izakhono eziya kwenza ukuba kwenzeke.
Setha iSicwangciso seMali
Enye into enokukunceda kukuba ube nesicwangciso sexesha elide endaweni. Oku kuthetha ukumisela isicwangciso semali ngokwakho ukubala ukuba ufuna ukuthenga indlu, xa ufuna ukuhlala phantsi kunye nendlela oza kuqhuba ngayo ukususela kwintsapho. Isalathiso sesi sicwangciso sezemali sinokulungiswa, kodwa ukuba unamaphulo akho aphetshiwe, kulula kakhulu ukufikelela kubo ngoko kungabi nabo. Ukuba uyazi ukuba usebenza isicwangciso esinika ikusasa elihle lemali, kunokukunceda ukuba uyeke ukukhathazeka kakhulu.