Ukulandela uhlahlo lwabiwo-ntsuku ngalunye kunokugcina u-bankruptcy away
Enyanisweni, ukudala uhlahlo lwabiwo-mali kunokunciphisa uxinzelelo kunye nokuphucula impilo yakho kuba kukuvumela ukuba ulawule ubomi bakho.
Ukufumana okungakumbi ngokubuyela emva kweenyawo zakho emva kwecala lokubhankqalaza, khangela la manqaku:
Ukusinda nokuphucula emva kokuchitha imali: Intshayelelo
Ukusinda nokuphucula emva kokubhankanya: Ukuthatha i-Future Stock
Ukusinda nokuphucula emva kokubhankanya: Iimvakalelo, Ingxenye 1
Ukusinda nokuphucula emva kweBhanki: Imvakalelo, Icandelo 2
UkuPhila nokuPhuma emva kokuBhujiswa kweNkcazo: Iimfanelo eziqhubekayo
Ukusinda nokuphucula emva kweBhanishcy: Iingxelo zeNtengo
Ukusinda nokuphucula emva kokubhankwa: Ukufumana iNew Credit
Hlanganisa Izinto Zakho Zemali
Isinyathelo sokuqala sokwenza uhlahlo lwabiwo-mali kukufumana nokuqokelela yonke iindleko zakho zenyanga. Oku kubandakanya yonke into oyihlawula rhoqo ngenyanga, njengemali yokuboleka okanye irenti, amakhadi enkokhelo, iinkonzo, i-cable, i-intanethi, njl. Kuya kufuneka kwakhona ukuba ufumane nayiphi na iindleko oza kufuneka uhlawule rhoqo rhoqo ngenyanga, njengokuba mhlawumbi i-inshurensi yemoto okanye ukubhaliswa kwemoto
Emva kokuba zonke iindleko zakho kunye, ulungele isinyathelo esilandelayo.
Enyanisweni, ezininzi iindleko zakho azilungiswa nyanga nganye. Ukuphononongwa kwengxelo ye-akhawunti yakho yokukhawuleza kukuncedisa ukuba uqikelele ezo ndleko ezihluka kwenyanga ukuya kwenyanga njengokutya, ukuzizonwabisa kunye neendleko zonyango.
Misela iNgeniso Yakho
Ukulinganisa umvuzo wakho wenyanga kufuneka ube ngumsebenzi olula kunokuba uqokelele zonke iindleko zakho. Abantu abaninzi bayahlawulwa rhoqo kwiiveki ezimbini, ngoko i-stubs yakho yokuhlawula okanye izitatimende zasebhanki kufuneka zikuxelele oko kufuneka ukuzazi. Ukuba ufumana nayiphi na enye ingeniso yenyanga ngenyanga okanye ngaphantsi, qiniseka ukuba uyayiphawula. Uyakufuna ukuqinisekisa ukuba kuphela i-akhawunti yakho emva kwerhafu yengeniso, akunakuqonda ukuquka imali engenayo kwibhajethi yakho eya kuthathwa ngokukhawuleza ngu rhu lumente!
Yakha iNgeniso yeNgxowa-mali yakho
Unokuqala ukudala uhlahlo lwabiwo-mali kwiprogram yokucwangcisa amagama okanye i-Excel spreadsheet kwikhompyutheni yakho okanye indlela endala (ngesandla, ngokuqinisekileyo). Yakha ikholamu yengeniso yenyanga. Hlukanisa ikholomu kwingeniso eqhelekileyo kunye nengeniso engavumelekanga.
Bala inani lakho elingenalutho ngokungongeza inani elipheleleyo lemali engenayo oyifumanayo ngonyaka ongekho akhokhelwa rhoqo, kwaye ulwahlule nge-12 (iinyanga ezili-12 ngonyaka). Ngokomzekelo, ukuba uhlawulwa i-$ 3,000 ngonyaka ngonyaka kaJuni, kwahlula i-$ 3,000 ngeenyanga ezili-12 ukuze uthole imali engaphezulu yemali engaphezulu kwe-$ 250 ngenyanga.
Yakha iNgxowa-mali yeNgxowa-mali yakho
Qala ukudala icandelo leendleko zebhajethi yakho engezantsi okanye ngaphaya kwecandelo "leNyanga yeNgeniso".
Yakha uluhlu lwentlobo nganye yendleko onayo inyanga nganye.
Iindleko zenyanga
Khumbula ukuba kwakhona udale uluhlu lweZindleko ezingavumelekanga, njengawe wenzenzela imali engenayo yenyanga! Umzekelo, ukuba ufanele uhlawule i-$ 150 ngonyaka ukubhaliswa kwemoto kunye ne-$ 1000 ngonyaka ngemoto yomshuwalense uya kuba nelididi leMali engavumelekanga i-$ 95.83 ngenyanga. Ufumana loo nombolo, njengangaphambili, ngokuhlula iindleko zakho eziqhelekileyo zonyaka ezingama-1,150 ngeenyanga ezili-12. Ngenxa yeendleko zakho ezingaqhelekanga, wabeka i-akhawunti engu-95.83 kwi-akhawunti yokulondoloza ukuze ube nexabiso elipheleleyo xa kufika ixesha lokuba wenze intlawulo!
Nalu uluhlu lweentengo zeendleko ukuza uqalise:
- I-Automobile
- Gesi
- Ukulungiswa, ukuguqulwa kweoli, ukunye ukugcinwa
- Imirhumo yokubhalisa kunye neerhafu
- Ukuhlawulwa kwemali mboleko
- Imithwalo yeBhanki
- Hlola amagosa
- Imirhumo yenkonzo
- Utyando
- Ukunyamekela abantwana
- Babysitting
- Ukuxhasa abantwana
- Impahla
- Iimali zeKhadi leKhadi
- Ngonyaka, ngokukhawuleza, i-overlimit kunye nezinye iimali
- Intlawulo yenyanga
- LeMfundo
- Isifundo
- Iincwadi
- Abanikezi besikolo
- Uhambo lweeNgingqi
- Iziko. ntlawulo
- Mboleko mboleko lwabafundi
- Ukutya
- Ukutya
- Ukutya
- Izipho
- Ukhathalelo lwempilo
- Ukutyelela ugqirha
- Iiglasi
- Imigaqo
- Ngaphezulu kweyeza kunye namayeza
- Sekhaya
- Ukuhlawula / Ukuhlawulwa kwemali
- Umninimzi oqeshisayo
- Ifenitshala
- Nelelo
- Ukulungiswa kwekhaya kunye nokulungiswa
- IInshshu
- I-Automobile
- Abaninikhaya okanye abaqeshisi
- ZeMpilo
- Ubomi
- Khu bazeka
- Ukunyamekelwa kwexesha elide
- Ukhokelo lendlela
- Iindleko zeJob
- Hlawulwa
- Impahla
- Iingcali zobungcali
- Ukuzilibazisa kunye nokuLungisa
- Iincwadi, amaphephancwadi
- Iifilimu, ikherubhi
- Iingingqi, imicimbi yezemidlalo
- Ukuzilibazisa
- Ukunakekelwa Kwezilwanyana
- Ukutya
- Nelelo
- Veterinarian
- Lo ndolozo
- Umhlalaphantsi
- Utyalo mali
- Ngxakeko mali
- Imirhumo
- Ingeniso
- Ipropati
- Izixhobo
- Amanzi, umkhumbi, udoti
- Umbane
- Gesi
- Ikhefu kunye ne-Intanethi
- Ifoni / Ifowuni
- Iholide :
Ukususa iindleko kwiNgeniso
Ukukhupha iindleko zakho zonke inyanga nganye ukusuka kwingeniso yakho yenyanga nganye kwitheyibhile yakho yebhajethi. Yonke into eseleyo ingasetyenziswa ekugcinweni okanye kwezinye iindidi. Ukuba unokulinganisela okungalungileyo kwibhajethi yakho, kufuneka unciphise iindleko zakho (okanye ukwandise ingeniso yakho).
Uluhlu lweBhajethi
Uhlahlo lwabiwo-mali lukhangele into enjengale:
| Ingeniso | |
| Ingeniso rhoqo | $ 3,000 |
| Ingeniso engavumelekanga | $ 250 |
| Ingeniso Yonke | $ 3,250 |
| ---------- | ---------- |
| Iindleko | $ 3,250 |
| Ugesi / iGesi | $ 200 |
| Unomyayi | $ 100 |
| I-TV ye-Cable / Intanethi | $ 150 |
| Ukutya | $ 700 |
| Iintlawulo zeKhadi leKhadi | $ 200 |
| Iindleko ezipheleleyo | $ 4,600 |