Xa ufumana ukutshisa kweentsholongwane okanye ukuphefumula, usenokubakhoxeka xa kuziwa ngamandla akho okanye i-bill yokushisa. Kunokuba nzima ukwenza uhlahlo lwabiwo-mali oluhlala luguquguquka njengokushisa kwakho, umbane okanye umbane. Inkonzo enkulu ingaphonsa lonke uhlahlo lwabiwo-mali kwaye lwenze kube nzima ukuphatha zonke iindleko zakho . Funda iindlela ezahlukeneyo zokujongana nale ndleko.
01 I-Shift Izinto Ezikufutshane Neendlela
Oku mhlawumbi indlela abantu abaninzi abayenzayo xa bengenabhajethi yenyanga. Ukuba uzama ukuhlawula isabelomali esisetyenzisiweyo kwinyanga nganye, ukusebenzisa indlela engezantsi kunokube ngcono kuwe. Ngaphandle koko, zama uhlahlo lwabiwo-mali lwenyanga ebiza kakhulu yonyaka inyanga nganye.
02 Indlela yokuHlola
Emva kokuba uhlala khona malunga nonyaka, unako ukudibanisa ndawonye imali oyichithayo kunyaka uze uhlule le nombolo nge-12. Yimalini oya kuhlawula imali. Iinyanga ezincinci kunexabiso, uyishiya kwinqanaba lokwakha intsalela yokugubungela iinyanga ezibizayo. Ngale ndlela izinto zisebenza, kwaye unokwenza uhlahlo lwabiwo mali.
Yona ndlela ihamba phambili ukuba ufuna ukuba nebhajethi yenyanga engatshintshiyo ngenyanga ukuya kwenyanga. Ukuze le nto isebenze, kuya kufuneka uqiniseke ukuba ubeke eceleni nayiphi na inxalenye ongayisebenzisi kwaye uyigqithisele kwinyanga ezayo. Kuthetha ukuba ulandelelisa iindleko zakho ngenyanga kwaye awuyi kuchitha imali kwezinye iindawo.
03 Kuthiwani malunga nokuhlawula iBhajethi?
Iinkampani ezininzi zesebenzayo ziya kunika imali yokuhlawula isabelomali njengesisombululo kwiinyanga eziya kuphakanyiswa ngayo iindleko zakho. Inkampani nganye isebenza ngokungafaniyo, kwaye kubalulekile ukuqonda indlela inkampani yakho eyakuthatha ngayo. Baza kufikelela kwiindleko zokusetyenziswa konyaka kwaye bahlawule imali leyo ngenyanga. Nangona kunjalo, ekupheleni konyaka, kuya kufuneka uhlawule umahluko xa usebenzisa amandla amakhulu kunokuba bekulindele. Lo mthetho-mthetho ungakubetha ngokungalindelekanga kwaye ungabiza kakhulu.
Kubalulekile ukuba ufunde imimiselo yesivumelwano kuba ezinye zeenkampani aziyi kubuyiselwa imali okanye ikunike i-credit xa uphelile usebenzisa amandla angaphantsi kwekhosi. Ukuba inkampani yakho yenza oku, kufuneka uhlawule ngokucacileyo ukuhlawula ibhajethi. Nangona kunjalo, ukuba baya kuwubuyisela, kuya kuba yinto enhle kuwe. Ukuba ukhetha ukuhlawula isabelomali, unokufuna ukubeka bucala imali xa ubona ukusetyenziswa kwamandla akho okwenyukayo okanye ukuba uneshushu ehlobo okanye ubusika obusika.
04 Ukunciphisa iiBill Bills
Nangona ezinye iimeko ezichaphazela iibill zakho zesebenzisi zingabikho kolawulo lwakho, zikhona namanyathelo onokuzithatha ukuze unciphise imali oyisebenzisayo nokugcina imali. Enye yezindlela ezisisiseko zokunciphisa i-bill yakho yamandla ukuguqula i-thermostat ebusika kuze kube sehlobo. Unokugqoka ukufudumala ngaphakathi, kunye nezikratshi kunye namasokisi. Ngokuqhelekileyo, malunga nama-degrees angama-65 ayaxhomekeka. Kwifomfutshane, unako ukuhambisa i-thermostat ukuya kuma-degrees angama-75.
Unokuphinda usebenze ukunciphisa ubuninzi bamanzi owenzayo ngokunciphisa ubude bakho bamanzi kwaye uphinde uhlawule inani lexesha oza kudibanisa kwi-tub ukuze uphumule. Unokuthatha amanyathelo amaninzi afana nokufaka i-thermostat ehleliweyo kwaye ukhetha ukutshintshwa okungcono kwendlu yakho. Unokufakela ukuhambisa okuphantsi kwamanzi kunye nezindlu zangasese ukugcina imali kwiindleko nazo. Nangona la ma nyathelo awayi kunceda ngamaqondo atshisayo kakhulu, anokunciphisa inani ochithayo kunyaka kwaye wenze kube lula kuwe ukuba uphathe iinyanga ezininzi. Ukuba ungumnikazi wendlu yakho, unokukwazi ukugcina ngokukhetha izixhobo zokusebenza ezifanelekileyo kunye nokutshintsha kwinqwelo yamanzi engenamanzi. Amanye amazwe aya kunika izikhuthazo zokwenza ezi nguqulelo.