Enye yezinto endiyithandayo ngentsholongwane kukuba lixesha elihle lokuhlambulula imeko yakho yezemali. Unokutshintsha iimpawu zakho ezimbi zemali , kwaye wenze isicwangciso esiqinileyo esiza kukuvumela ukuba wenze utshintsho oluhlala njalo. Konke kwentwasahlobo yonke into ibonakala iyintsha kwaye intsha, kunye neenguqu zakho zenkqubo, njengoko zihlala zikhanya emva koko. Xa uvula ikhabethe yakho kwaye wenze enye yokucoca, thatha ixesha lokujongana nemali yakho. Ukuba unayo yale miqondiso , kufuneka uqale ukutshintsha imali yakho namhlanje.
01 Khuphela Phandle Ukuchitha Izenzo
02 Dust Off Budget yakho
Ukuba awuzange ulandele uhlahlo lwabiwo-mali ngokukhawuleza, ngoko lixesha elihle lokuzisa uhlahlo lwabiwo-mali kwaye uqale ukusebenza kulo. Uhlahlo lwabiwo-mali lusetyenziso olungcono kakhulu ekuncedeni ubunzima bakho bezezimali. Ikuvumela ukuba ucwangcise indlela ofuna ukuyisebenzisa ngayo imali yakho, kwaye ikuvumela ukuba ulandele imikhuba yakho yokuchitha. Xa uhlahlo lwabiwo-mali kwaye uhlala kwisabelomali, ungaqala ukwenza izinto zenzeke ukuze ufikelele kwiinjongo zakho zemali. Thatha ixesha lokubhala ibhajethi entsha kwinyanga nganye, uze ulandele imali yakho kwinyanga yonke. Inkqubo yemvulophu okanye isofthiwe yezemali inokuyenza yonke inkqubo ilula ngakumbi.Ungacinga ukuba ulungelelaniso lweebhajethi kwiingxaki ezifanayo zohlahlo lwabiwo-mali.
03 Khwela phezulu kwiintlawulo ezihlawuleyo
Ngoku lixesha lokufumana zonke iintlawulo zakho zokugqibela. Ukuba ungasemva kwenye iintlawulo okanye ukuba unetyala oyekile ukuhlawula, kufuneka usebenze ngendlela yokuhlawula yonke into. Kulixesha elihle lomnyaka ukuthengiswa kweeyadi ukuphakamisa imali eyongezelelweyo kukunceda ufikelele kwiintlawulo osukho emva kwazo. Ukuba uzama ukuhlawula amatyala omdala ongayikhokheli kwiinyanga eziliqela, kufuneka uzame ukusindisa isamba semali ukuze uhlawule iitaliti kunye neenkampani zonke ngokukhawuleza. Ukuchitha ngokukhawuleza kunokukunceda ukuba ufumane imali eyongezelelweyo ukubeka kwiintlawulo zakho zokugqibela.
04 Toss Out Your Matyala
Ukuhlala kwisikwereti njengokuba ubambelele kuloo sweatshi ye-holey awunakugqithwa kwiminyaka emihlanu. Kukubambelela kwaye uthathe igumbi elongezelelweyo ebomini. Ukuseka isicwangciso sokuhlawula amatyala namhlanje kwaye ukhawule ityala lakho kumlo. Ngeke ukwazi ukuhlawula yonke into kule ntwasahlobo, kodwa xa ubeka isicwangciso uthatha amanyathelo okuqala ukwenza utshintsho oluqhubekayo kunye nemeko yakho. Yakha icebo elingabonakali nje umyalelo wokuhlawula amatyala akho kodwa kubonisa indlela uza kufumana ngayo imali eyongezelelweyo yokwenza. Uhlahlo lwabiwo-mali luyinxalenye ebalulekileyo yokwenza isicwangciso sakho sokuhlawula ityala.
Isicwangciso se-Future Plan
Ngentwasahlobo, uceba uze uqale ukutyala umyezo wakho kunye nedidi kunyaka ozayo. Ngokufanayo, kufuneka uthathe ixesha lokucwangcisa ikusasa lakho, nokuba ucinga ngokuthatha umhlala-phantsi kwangaphambili , okanye ufune ukuqala ukufaka isandla kwiakhawunti yakho yomhlalaphantsi, thatha ixesha lokuba uqiniseke ukuba uphumelele ukufikelela kwiinjongo zakho. Isicwangciso semali sinokukunceda ukuba ulungele umhlalaphantsi, ukuthenga ikhaya lakho lokuqala nokuqala intsapho (ukuba ufuna enye). Thatha ixesha lokutshala imbewu ngekamva lakho ngokudala isicwangciso ngeenjongo ezicacileyo ezibekiwe kwixesha elifanelekileyo. Unokulungisa isicwangciso sakho njengoko utshintsho lobomi bakho, kodwa ukuba nolunye luya kwenza kube lula ukuhamba kwezo zinguqu kwixesha elizayo. Ucwangciso lungakunceda ukuyeka ukuthetha amanga malunga neemali zakho kwaye unakekele ikamva lakho lemali.