Ukuhlawula okunye okunokukunceda ukugcina ixesha kunye nemali

by UMiriam Caldwell

Xa uzama ukugcina imali kwaye usethe uhlahlo lwabiwo-mali , unokukhangela inketho engancinci kuyo yonke into oyenzayo. Nangona kunjalo, kukho amaxesha apho ukuhlawula ngaphezulu kunokukunceda ugcine imali. Kubalulekile ukucinga malunga nokuba uzakusebenzisa ixesha elide, njani kuya kukuchaphazela kwixesha elide kunye nemikhwa yakho yokuziphatha xa kuziwa kwiinkcitho . Xa usenza oku, unokufumana iindlela zokugcina imali kunye nexesha elinokubonakala ngathi libiza imali eninzi.

01 Khokhela Ukuba neSitolo Ukuthenga

Ukucwangcisa imenyu kunokukugcina imali eninzi, kodwa ukuze unamathele kuyo, kufuneka uhambe ukuyothenga. Oku kungathatha ixesha elithile, kwaye lingaba xabisa xa unomkhonto wokugwenxa kwaye uqukumbele ngezinto ezongezelelweyo kwinqwelo yakho. Unako ukugcina imali xa unetengiso esenzelwe wena. Izitolo ezininzi zinikela ukuthenga. Kuxhomekeke kwisitolo onokufuneka uhlawule umrhumo wokuthenga. Ezinye ivenkile ziza kuhambisa iindawo zokutya emnyango wakho kunye nabanye ziza kukukhetha. I-Walmart enye yevenkile enikezela ngokukhululekileyo ukutya kwakho.

Isihluthulelo sokugcina imali ngalokhu kukufumana isitolo esinokuhlawuleka kwaye udibanise uhambo lwakho lokuhamba ngokuthenga kanye ngeveki okanye ezimbini. Iindawo ezithengisa kakhulu kwiindawo zam ziye zinikela ngenkonzo, kodwa ayifanelekanga kuba ndiza kugqiba ukuhlawula malunga needola ezingama-50 ngehambo lokuthenga. Ngoku ukuba iivenkile ezithengayo ngexabiso elincinci liyakunikela, ndiyakusindisa ixesha kunye nemirhumo ifana noko ndiza kuchitha ekuthengeni okungafunekiyo kwivenkile.

02 iNicer Apartment Complex

Le yindawo ekhohlakeleyo, kuba imali eyongezelelweyo kwingqesho nganye ngenyanga ingongeza kwixabiso elithile ngonyaka. Nangona kunjalo, ungagqiba ukugcina imali kwirenti ngokukhetha i-complex complex (kungekhona iindawo zokunethezeka) kwindawo engcono. Xa ukhetha indawo yokuhlala kuyo, unokufumanisa ukuba izindlu ezincinci ziyaphuma kwaye imali oyichithayo ekuhambeni kwakho kunye nexesha olahlekelwa ngalo ekuhambeni kwakho akukufanelekanga ukugcina imali. Ungagcina kwakhona kwizinto ezinjengobulungu bokuzivocavoca kuba i-complex complex ihlala yenza i-gym.

Ukwenza lo msebenzi, kuya kuthatha indawo yokuthenga kunye nokufumanisa ixabiso eliphakathi komhlaba. Ungadinga ukuzincama kwindawo ukuze ufumane into efanelekileyo kufuphi nalapho usebenza khona. Ukuhamba okufutshane kunokusindisa imali kunye nexesha kwaye kungabi kubiza kuneendawo zokuhlala ezikuloo dolophu okanye kufuphi neofisi yakho. Kwakhona, cinga ukuhamba kwezithuthi zikawonkewonke kunye nezakhelo zommandla ezingakunceda ukuba usindise ekuhambeni kwakho kwaye kukukhusele ekudleni imoto.

03 Iibhokisi zokuTya zokutya

Iibhokisi zonikezelo zokutya ziyinkokhelo enkulu xa uzama ukuguquka ekudleni ubusuku bonke ukupheka ekhaya . Ukuba awuqhelekanga ukupheka, unokukugcina imali eninzi. Iibhokisi zokuhambisa zinika iinketho ezenza kube lula ukupheka ekhaya kwaye uze neempendulo ezipheleleyo. Yindlela enhle yokusebenzisa ukupheka ekhaya kwaye inokukunceda ukhethe ukuzithemba kwakho ekhitshini. Ekugqibeleni, uya kufuna ukutshintshela ekudaleni imenyu yakho kwaye ulondoloze imali ngale ndlela.

Ukuze wenze lo msebenzi, kufuneka uzinikele ekuphekeni ukutya kwakho ekhaya. Uphelisa ukuchitha imali xa uphosa ukutya. Ukuba ungatshatanga, ungathatha i-rest left to work. Ngelishwa, ezi ndlela zokupheka azize ziseleyo, kodwa unako ukuthenga iindawo ezingaphezulu xa ufuna ukufumana isidlo sakho sasemini ukuze usebenze.

Iimpawu eziPhakamileyo ze-04 ezihlala zide

Xa ukhangela izinto ezifana nefenitshala, izixhobo zokusebenza, kunye neengubo, kunokuzama ukuthenga izinto ezincinci onokuzifumana. Nangona kunjalo, unako ukugcina imali ngokukhetha izinto ezakhelwe ukuba zigcine kwaye eziqhelekileyo. Ukuba uthengela i-vacuum eyokugcina iminyaka eyi-10 ngeedola ezingama-400 zamawaka, esebenza ukuya kuma-40 ngonyaka. Ukunciphisa okuncinci kungabi yi-$ 100, kwaye kuya kufuneka ukuba utshintshwe njalo kwiminyaka emibili, kwaye ukuba wenza njalo amahlanu amaxesha uphelisa uchitha imali engama-$ 500 okanye i-$ 50 ngonyaka kwaye uqukumbela ngemveliso engasebenzi.

Ukwenza lo msebenzi, kufuneka uchithe ixesha lokuphanda iifowuni zakho kwaye ujonge indlela ekudlulileyo ngayo ixesha. Ngamanye amaxesha ubunjineli obuninzi buya kuphelisa ngokulungiswa kwexabiso elininzi ukwenjenjalo ukukhetha ukucwangciswa okulula ngaphandle kweentsimbi ezininzi kunye neengcingo kodwa umgangatho ophezulu kunye nomninimzi onokwethenjelwa unokukhetha. Xa kuziwa kwiingubo kunye nefenitshala, khetha izinto eziza kuhlala zihamba ngeendlela, kodwa kulula ukuyongeza izibuyekezo ezihamba phambili ukuze uhlaziye ubukeka ngaphandle kokuthenga ifenitsha entsha.

05 Ukutya okunempilo

Xa uzama ukugcina kwiindleko zokutya , unokulingwa ukuba uzame ukunciphisa ngokukhetha ukutya okuncitshisiweyo okanye impahla ekhutshiwe. Nangona kunjalo, oku kungagqiba kukuxabisa ngakumbi njengoko kuthintela kakubi impilo yakho. Ukongezelela, ukuba awuhlali ujabule ngokutya owenzayo isidlo sakusihlwa, kulula ukuthenga ukuthatha endleleni eya ekhaya kwaye uya kuba nokutya ekuhlaleni kunokuba wenze kwaye ulondoloze imali.

Ukuze wenze lo msebenzi, kufuneka udibane ngeenxa zonke ukuze usebenzise amacebo angcono. Umzekelo, u-Trader Joe uhlala ephantsi kokutya okupheleleyo kwizinto ezininzi. Ungathengisa kwiimarike zomlimi okanye ujoyine i-CSA ukugcina imali kwimveliso ekhulile yasekuhlaleni. Unokujonga kwakhona ekuthengeni ngokubanzi ngokubanzi kumfama ukugcina inyama, okanye ukusebenzisa inkonzo efana neZaycon Fresh ukuyigcina inyama. Kuya kuthatha amacebo amaninzi, kodwa kufuneka ukwazi ukugcina imali kwaye usadla uphilile.

Ubulungu obunobuninzi bokugcina imali

Kuyakhathazeka ukuba uhlawule ukuthenga kwindawo ethile. Kubonakala kungenasizathu sokuhlawula ukuya kwivenkile okanye ukugcina ukuthumela. Nangona kunjalo, ubulungu kwiiklabhu zokugcina izinto ezifana neCococo, kunye no-Sam unokukugcina imali ngokukodwa xa uthenge ngobuninzi. Ngokufanayo, unokukwazi ukugcina ngobulungu be-intanethi njenge-Amazon Intloko, ngamanye amaxesha unikezela ngamanani aphantsi kwizinto ezithile kumalungu, kunye kunye unokufumana ukuhamba kwamahala kunye nelayibrari yevidiyo.

Ukwenza lo msebenzi udinga ukuthelekisa amanani phakathi kweendawo ezahlukeneyo. Ngamanye amaxesha ivenkile yokutya yakho yendawo izakufumana into engcono kunokuba ungayifumana kwindawo yokugcina. Ukongeza, kufuneka uqiniseke ukuba uya kusebenzisa izinto zakho ezininzi ngaphambi kokuhamba kakubi. Ukuba uphosa izinto kude, ngoko awulondolozi imali. Ukugcina ngokufanelekileyo izinto ezininzi njengelayisi nomgubo kunokubanceda bahlale ixesha elide.

07 Ukuthenga ikhaya kunye nokuqeshisa

Ikhaya lingahlawula ngaphezu kwerenti ngokukodwa xa ubona ukwanda kweendleko zokulungisa ikhaya kunye neerhafu. Nangona kunjalo, ukuthenga ikhaya kukuvumela ukuba wakhe ukulingana kwaye kuza kukunika ithuba lokugcina imali kunye nokwandisa inzuzo yakho yonke. Ukuba uthengela i-condo esikhundleni sokuqeshisa, ungayithengisa xa ulungele ikhaya okanye ufuna ukuqala intsapho. Nangona kunjalo, kufuneka uqiniseke ukuba ulungele ukuthenga ikhaya ngaphambi kokuba wenze.

Ukuze wenze lo msebenzi, kufuneka ufumane ikhaya onokukwazi ukulifumana . Xa ukhangela i-condos okanye i-townhomes, qiniseka ukuba uqwalasela iindleko zokugcinwa kwenyanga kwintlawulo yakho yonke. Inceda ukuba ube nentlawulo eqinileyo kwindawo . Kufuneka ube ne-bhajethi esomeleleyo enokuthi unamathele ukuze ungagqiba umntu osweleyo kwindlu kwaye unqabe isigqibo sakho sokuthenga ikhaya.

08 Inkonzo yoMshuwalense

I-inshurensi ingaba yindleko kwaye kunokubakho amaxesha apho ungafuni ukuyihlawula. Ukuba unempilweni, kunokubonakala ngathi i-chunk enkulu yokuhlawula kwakho iya ku- inshurensi yezempilo . Unokuba nemvakalelo enjalo malunga ne-inshurensi yemoto neenrenti. Nangona kunjalo, ukuba uphelela ngongxamiseko, ungagqiba ukuchitha amawaka eedola ngaphandle kwinshuwalense. Kufanelekile ukufumana ingxelo.

Ukwenza lo msebenzi, unokukhangela izaphulelo ngomsebenzi wakho okanye kubambiswano bakho. Unokudibanisa iipolisi zezaphulelo. Ukuhlengahlengisa i-deductible up yakho kunokukunceda ukugcina kwiimali-mboleko zenyanga zomshuwalense, kodwa uya kufuneka ukuba imali leyo ibekwe eceleni kwi-akhawunti yokulondoloza.

09 Izixhobo zokusebenza

Ukuba uzimisele ngokusebenza kwaye uya rhoqo, ukuthenga izixhobo ezimbalwa zokuzivocavoca kunye nokukhansela ubulungu bakho kunokukunceda ugcine imali. Ukulondolozwa ngokwenene kuxhomekeka kwindlela ochitha ngayo kwi-gym membership. Ukongezelela, indawo ingaba yinto ebalulekileyo kuwe kwaye ngoko into ephoqayo ingaba ngcono kuneziqendu ezinkulu. Izisindo zamahhala zingakhetha ukhetho kunomshini wokulinganisela.

Ukuze wenze lo msebenzi, kufuneka uthengise ngeenxa zonke ukuze usebenzise izixhobo ezinobunzima. Ufanele ukwazi kwakhona uhlobo lwezixhobo ozisebenzisa rhoqo kwaye ujolise ekufumaneni loo ndawo endaweni yezixhobo eziza kuqokelela uthuli kwaye ungasetyenzisi. Oku kusebenza ngokusemandleni ukuba usuvele uyakwazi ngokwaneleyo malunga nokusetyenzwa kweenkqubo zokusebenza ezisebenzayo kuwe.

10 Beka inani leMali yoNwabo

Kubalulekile ukubeka eceleni imali nganye ngenyanga onokuyichitha kwizinto zokuzonwabisa ezikufunayo kwaye akudingeki. Oku kunokuba kuyinkinga-intuitive, ingakumbi xa unesabelomali esingafihlayo kwaye imali iminyene, kodwa iyanamathela kwisabelo-mali ngokulula. Xa unciphisa kakhulu udla ngokugqithiseleyo kwaye ugqibe ukuchitha imali engaphezulu kunokuba ubungenayo xa uvumelekile ukuba usebenzise imali enokuyisebenzisa.

Ukwenza lo msebenzi, kuya kufuneka unamathele kwisixa ohlahlowe ngayo. Inokukunceda ukwenza oku ngokukodwa ngemali okanye xa usebenzisa imali eninzi kwindawo ethile kwi-intanethi, kodwa ikhadi lesipho nganye kwinyanga leyo. Ngokomzekelo, ininzi yemali yam mahhala isetyenziswe kwiincwadi kwaye ndiyakwazi ukubeka umda wam ngokuthenga imali endiyisebenzisayo kumakhadi wesipho. Emva koko andifuni ukukhathazeka ngokulandelela kwaye ndiyakwazi ukujonga ibhalansi yam ngaphambi kokuba ndizithenge. Ukongezelela, kufuneka uqinisekise ukuba isixa sifanelekile kwisabelo-mali sakho. Ukuba imali iminyene, ingaba yi-$ 20 ngenyanga kuphela, kodwa ukuba ufikelele kwiinjongo zakho kunokusondela kwi-$ 100 ngenyanga.