Isikhokelo sokuhlawula imali
Uhlahlo lwabiwo-mali yindlela eyona nto ongayenza ngayo ukulawula imali yakho. Ngokucacileyo, uhlahlo lwabiwo-mali luyilo esibhaliweyo malunga nendlela oyisebenzisa ngayo imali yakho. Unokwenza ibhajethi yenyanga okanye yonyaka. Uhlahlo lwabiwo-mali lukuvumela ukuba wenze izigqibo zemali kwangaphambili, okwenza kube lula ukugubungela zonke iindleko zakho unyaka. Uhlahlo lwabiwo-mali luyakunceda uguqula imali yakho kwaye uqale ukwakha ubutyebi.
Kutheni iBhajethi ibalulekile?
Isabelo-mali sixhobo esinamandla kuba sikwenza ukuba ubone ukuba kwaye ufuna ukuchitha phi imali yakho. Xa uqonda uhlahlo lwabiwo-mali, uyaqinisekisa ukuba yonke idola iyasetyenziswa ngendlela oyifunayo ngayo. Ukuba unesabelomali, unokulandelela imali yakho kwaye unqume ukuba kuhambelana nezinto eziphambili. Ngokuqhelekileyo xa abantu beqala uhlahlo lwabiwo-mali bayamangalisa ukubona ukuba imali ihamba njani kwizinto ezingabalulekanga kubo, njengokutya kwiivenkile zokutya okanye ukuzihlawula. Uhlahlo lwabiwo-mali lukuvumela ukuba uqaphele inkqubela yakho kwiinjongo kwaye uqinisekise ukuba unamathela kwisicwangciso sakho semali .
Indlela yokumisela iBhajethi yakho
Ukubeka uhlahlo lwabiwo-mali yinkqubo ecacileyo. Kunceda ukuba uluhlu lweebhili emele uhlawule inyanga nganye kunye neengeniso zakho ezilindelekileyo. Ukuba awuzange ufake uhlahlo lwabiwo-mali ngaphambili, ungaqala ngokujonga iindleko zakho zenyanga ezintathu ezedlule. Ukusebenzisa izitatimende zakho zebhanki ukuwaphula ezi zigaba. Ukuba unesofthiwe yesabelomali, ungalayisha izitatimenti zakho kwaye usebenzise isofthiwe ukuqalisa ukuyihlunga.
- Qala ngokubhala uluvo lwakho lwenyanga. Oku kufanele kubandakanye nayiphi na imali yokuhlawula oyifumanayo, kunye nenzuzo evela kwiminye imithombo efana nokuxhasa abantwana okanye utyalo-mali. Ukuba uneshishini, kufuneka udibanise imali oyihlawulayo ngaphandle kwenyanga nganye.
- Bhala uluhlu lweendleko zakho eziqala kubaluleke kakhulu kubaluleke kakhulu. Ukubhala iindleko ukwenzela ukuba kube lula ukwenza uhlahlo lwabiwo-mali xa lufuneka. Eyona nto ibalulekileyo kufuneka ibe yizinto ezizifunayo. Uya kufuneka uhlambele indlu yakho, ukutya, izibonelelo (kungabandakanyi ithelevishini yekhebula), iindleko zokuthutha, iintlawulo zetyala kunye neenjongo zokulondoloza kuqala. Emva koko uza kubhala uluhlu lwezinto eziphathekayo ezinokubandakanya iimpahla, ukuzizonwabisa, ukutya kunye nokuzibandakanya.
- Emva kokuba unoluhlu lweendleko zakho kunye nengeniso yakho, kuya kufuneka uqikelele amanani amabini. Iindleko zakho kufuneka zingaphantsi okanye zilingane nomvuzo wakho. Ukuba unemali eyongezelelweyo emva kokucwangcisa uhlahlo lwabiwo-mali, ungayongeza kwiikhathalo zeenjongo zakho zemali njengokuphuma kwetyala okanye ukwakha i-fund yexakeka. Ukuba unayo iindleko ezingaphezulu kuneholo, uza kufuna iindlela zokunciphisa iindleko zakho. Qala ngokusika imali kwiindidi zakho kwicandelo lokunethezeka kwebhajethi yakho. Unokuphinda usebenze ngeendlela zokwandisa imali oyifumanayo.
- Uzakufuna ukulandelela imali yakho kwaye umise xa ufikelele kumda kwicandelo ngalinye. Yilapho uqala uhlahlo lwabiwo-mali. Ukuba awunamatheli kwiindidi zakho, ngoko awuyi kubambelela kwisabelomali sakho. Ukuba ugqiba ukuchitha ezininzi kwiqela elilodwa kunokuba ucebise, ungadlulisela imali kulolu hlobo ukuze uyigubungele kolunye uhlobo. Ngokomzekelo, u-$ 2,000 uhlahlole ukutya kwenyanga enye kwaye uphelile uchitha i-$ 250, ngoko unokuhambisa imali engama-$ 50 kwiqela lakho lokuzizonwabisa ukuze uligubungele. Ukuze wenze oku kuya kufuneka uhlolisise indlela ochitha ngayo yonke imihla ukuze ubone ukuba ungakanani.
- Ekugqibeleni, yenza kwakhona. Emva kokugqiba inyanga yakho yokuqala yohlahlo lwabiwo-mali, kuya kuba lula ukucwangcisa ngenyanga ezayo. Ekupheleni kwenyanga jonga indlela ochithe ngayo kwaye wenze uhlengahlengiso kwiindidi ozichitha ngaphaya kokucwangcisa kwakho, kwaye wanciphisa kwiindidi ezinemali eyongezelelweyo kubo.
Iintlobo zeeBhajethi ezahlukeneyo
Kukho izicwangciso ezahlukeneyo xa kuziwa kuhlahlo lwabiwo-mali. Izicwangciso zenzelwe ukunceda ukwenza uhlahlo lwabiwo-mali lube lula lula. Wonke umntu uhlukile kwaye isicwangciso esisodwa singasebenza kangcono kunesinye isicwangciso. Ukufunda malunga nezicwangciso ezahlukeneyo kunokukunceda ukuba ufumene isicwangciso esilungileyo sebhajethi kwimeko yakho.
- Uhlahlo lwabiwo-mali: Ibhajethi yebhajethi ibhajethi apho ubeka imali kwiqela ngalinye kwaye ujongane nemali yeendleko zakho eziliqela. Uthabatha imali nganye ngenyanga kwaye ufake imali kwiimvulophu ezahlukileyo ezibhalwe kwicandelo. Xa uphuma ngemali kule nqanaba, umise ukuchitha. Esi sicwangciso esihle ukuba awukho kakuhle ekulandeleni iindleko zakho. Uninzi lwabantu bahlala behlawula iindleko zabo kwi-intanethi ngokujonga iakhawunti. Ukuze wenze lo msebenzi, awukwazi ukusebenzisa ikhadi lakho lokubambisa kwiindidi ozikhuselekileyo.
- 50/30/20 Ibhajethi: Uhlahlo lwabiwo-mali lwe- 50/30/20 luncedisa ukuba ungakanani ukuba kufuneka uchithe kwiindidi ezahlukeneyo. Inokukunceda ugxininise ngakumbi kwiinjongo zakho zemali. Iipesenti ezingamashumi amahlanu kwerhafu yakho emva kwentlawulo kufuneka isetyenziswe kwiimfuno zakho. Iimfuno zizinto ezifana nokutya okuyisiseko (oku akubandakanyi ukutya ngaphandle), izindlu, iindleko zokuthutha kunye nezibonelelo. Ipesenti ezingamashumi amathathu zengeniso yakho kufuneka zisetyenziswe kwizinto ozifunayo. Oku kubandakanya iindleko zakho zokuzonwabisa, ukutya ngaphandle, ukuzivocavoca okanye ubulungu beblabhu, i-cable tv. Ipesenti ezingama-20 kufuneka zisetyenziswe ekulondolozeni kunye nokuhlawulwa kwetyala. Ukulondoloza kunokuquka izinto kwiinjongo zakho njengokuthenga ikhaya okanye umhlalaphantsi.
- Uhlahlo lwabiwo-mali lweZero: Uhlahlo lwabiwo -mali lwama-zero xa uceba ukuba uza kuchitha njani imali yakho engenayo ukuya kwi-penny yokugqibela. Le ngcamango yebhajethi ikunceda ukucwangcisa ngempumelelo kwaye ufumane ukulawula kwenkcitho yakho. Ekubeni kubandakanya ukucwangcisa imali yokugcina imali, ungaqala ukufumana umzila. Kwakhona kubangela kubaluleke ngakumbi ukubeka esweni uhlahlo lwabiwo-mali rhoqo. Uhlahlo lwabiwo-mali olusisiseko.
- Ibhajethi ye - 5: Udidi lwee-5-Uhlahlo lwabiwo-mali lubeka iiklasi ezintlanu ezisisiseko kwaye lunquma ipesenti okufanele uchithe nganye. Ukufumana izindlu, unokuchitha imali engama-35 ekhulwini yakho yengeniso. Ukuhamba, kufuneka ucwangcise ngaphezu kweepesenti eziyi-15 yengeniso yakho. Kwezinye iindleko zokuphila (ezifana nokutya, izibonelelo, kunye nokufunayo), unokuchitha imali engama-25 ekhulwini lakho lemali engenayo. Ukuze ulondolozwe, kufuneka ubeke eceleni iipesenti ezilishumi ngenyanga. Udidi lokugqibela luyimali yokuhlawulwa kwetyala, kwaye kufuneka libe yi-15 ekhulwini yengeniso yakho.
Iingcingo zokwenza uhlahlo lwabiwo-mali
Abantu abaninzi banamathela kwingcamango yohlahlo lwabiwo-mali. Ingumsebenzi omningi ukulandelela iindleko zakho. Inokuziva iyanqanda ukukhawulela imali. Ingabangela ukulwa emtshatweni wakho ukuba omnye okanye bobabini bavuthela inyanga enye. Uya kufuna ukufumana iindlela zokwenza uhlahlo lwabiwo-mali lube lula . Iinyanga zokuqala ezimbini okanye ezintathu zohlahlo lwabiwo-mali zinzima kunokuba uzilungele uluhlu kwaye usebenze ekunciphiseni imali.
- Fumana isofthiwe yohlahlo lwabiwo-mali okanye inkqubo yohlahlo lwabiwo-mali eya kusebenza kakuhle kuwe. Iprogram ye-Intanethi efana neYo ifuna uhlahlo-mali (YNAB) okanye iMint izakufaka ukuthengiselana kwakho kwaye yenza kube lula ukwabela iindidi, ulungelelanise iimali ngamnye kwaye ulandele imali yakho nganye. I-YNAB inomsebenzi weselula ovumela ukuba ufikelele ekuhambeni ukwenzela ukuba wazi kakuhle apho ukhona kwaye ungangena kwiintengiso ozenzayo.
- Cinga ukutshintsha imali kwiindidi zeengxaki . Oku kusebenza kakuhle kwizinto ezininzi ezinokuqonda njengemali yakho yokuzonwabisa kwinyanga leyo, iintsuku zokuphuma emsebenzini kunye neempahla zakho zokuzonwabisa okanye iinkqubo zokuzonwabisa. Ingasetyenziselwa ukutya kunye nezinye iindleko, nazo.
- Thatha ixesha lokujonga ibhajethi yakho ngosuku. Ukuba wenza oku, kufuneka kukuthathele malunga nemizuzu emihlanu kusasa okanye kusihlwa ukujonga indlela ochitha ngayo kwaye ube neengcamango ezintle malunga nokuba uhambe kangakanani ngenyanga leyo. Inokukugcina ungenzi iphutha okanye i-overdrawing akhawunti yakho.
- Sebenza ekufumaneni iindlela zokonga kwiintlobo zakho zohlahlo lwabiwo-mali. Imali ongayigcina kwiindleko zakho zemihla ngemihla, kuya kuba lula ukuba unamathele kubhajethi yakho. Ungasebenzisa izicwangciso zokugcina kwizinto zokutya zakho , gcina kwizinto zakho zokusebenza kunye nakwi-inshurensi yakho. Ukuthenga ngeenxa zonke kwiingxoxo ezifanelekileyo kungenza uhlahlo lwabiwo-mali lube nzima.
- Yenza uhlahlo lwabiwo-mali ngokuzenzekelayo. Ukuhlelwa kweentlawulo ukuphuma ngokuzenzekelayo ngosuku lwakho lokuhlawula yindlela enye yokwenza oku. Enye inketho kukudlulisela imali ekugcinweni ngokuzenzekelayo. Ukuvumela ukuba isofthiwe yakho yohlahlo lwabiwo-mali ukwenza umsebenzi omningi ukuzahlula nokurekhoda ukuthengiselana kwakho kunokukunceda.
- Qhubeka ufunda malunga nohlahlo lwabiwo-mali. Kukho iiklasi kwindawo yakho nakwi-intanethi enokukufundisa ngokubanzi malunga nokuhlawula imali ngokufanelekileyo. Kukho nakwiiklasi kwi-couponing nakwezinye iindlela zokulondoloza imali ezinokubambelela kubhajethi yakho kulula.