Ukudala uhlahlo lwabiwo-mali alufaneleki ukuba lukhuni
Yiyiphi iBhajethi?
Uhlahlo lwabiwo-mali luyintlupheko kunye nesicwangciso semali engena kuyo kunye nendlela ophuma ngayo inyanga nganye.
Ngaba unokucinga ukuba ishishini liphumelele xa lingazange lilandele ingeniso kunye neendleko zayo? Kuyafana noko xa kuziwa kwiimali zakho . Ngaphandle kohlahlo lwabiwo-mali olucacileyo kunye nesicwangciso sokulawula ukusetyenziswa kwenyanga nganye, indlela yakho eya kwimpumelelo yemali inokuphelisa ukuba yinto enobunzima kunokuba iyimfuneko.
Ukwesaba okukhulu kuninzi abantu abanako xa bakha uhlahlo lwabiwo-mali kukuba baya kufuna ukukhawuleza ngokukhawuleza yonke imali enokuzonwabisa - izinto ezifana nekhofi okanye ixesha lokutya, ubusuku be-movie, okanye uhambo oluya kubakhulu baholide. Le yindlela engafanelekanga yokucinga ngohlahlo lwabiwo-mali. Enyanisweni, uhlahlo lwabiwo-mali luyisixhobo, kungekhona isijeziso.
Ngelixa unokufumanisa ukuba kufuneka uchithe imali ethile emva kokuhlanganisela uhlahlo lwabiwo-mali, ngaphandle kokuhlala phantsi kunye nokudala enye, akunakwenzeka ukwazi ukuba iindleko kufuneka zinqunywe, ukuba zikhona. Nangona kunjalo, akufanele uvumele ukuba ukwesaba ukuba ubenqande ukuchitha imali yakho kukunciphise ukulawula imali yakho.
Ukwenza uhlahlo lwabiwo-mali: Qala ngeNgeniso yakho
Isinyathelo sokuqala ekudaleni uhlahlo lwabiwo-mali kukuqinisekisa ukuba ingeniso engakanani enayo inyanga nganye. Oku kulula kwaye ngokuqhelekileyo kukufuna ukuba ukhangele i-stub yakho yokuhlawula. Ewe, ukuba utshatile, qiniseka ukuba ufake iholo lomlingane wakho. Ukongeza kwimivuzo yakho rhoqo, uya kufuna ukubandakanya nayiphi enye imithombo yengeniso onokuyenza, njengemivuzo, inzala, ishishini elincinane, njalo njalo.
Kodwa kuthekani ukuba ungumkhululi okanye uqhuba ibhizinisi kwaye awuhlali ufumana i-weekly pay orck? Kwimeko enjalo, kuya kufuneka usebenzise umthetho wemimiselo ukuze ufumane ingeniso yakho. Khangela umvuzo wakho kunyaka owedlule, ke ubale umlinganiselo wenyanga. Oku kunokukunika umlinganiselo osisiseko semali yokufaka uhlahlo lwabiwo-mali.
Ukulandelela Inkcitho Yakho Yenyanga
Esinye isiqingatha sefomula yohlahlo lwabiwo-mali songeza zonke iindleko zakho ngenyanga. Qala ngeentlawulo eziqhelekileyo nezizinzileyo onakho , njengemali yakho yokuboleka okanye irenti, iintlawulo zemoto, i-inshorensi, ityala kunye neerhafu. Kubantu abaninzi, ezi ziza kuba zizinzileyo, oku kuthetha ukuba awukwazi ukutshintsha lula imali efunekayo inyanga nganye. Oku kukuhle, nangona kunjalo, kungenza uhlahlo lwabiwo-mali lube lula xa ezo ndleko zingashintshi ngokubanzi.
Emva kokuba uluhlu lweendleko zakho zenyanga zonke, zixesha lokumba ubunzulu ukuze ufumane apho yonke imali yakho iya khona. Thatha i-checkbook yakho okanye utshintshe isitatimende sakho sasebhanki sakusasa kukukunceda ngale nyathelo. Jot phantsi ubuninzi obuchithayo kwizinto ezifana nezixhobo, ukutya, ukuzonwabisa, ukubhaliselwa, njalonjalo. Lephepha lokusebenzela elinobuchule linokukunceda ngokugcina iindleko.
Enye indlela yokulandelela inkcitho yakho ivumelanisa i-akhawunti yakho yokujonga okanye amakhadi enkokhelo kwisixhobo sohlahlo lwabiwo - mali . Insiza iyakubhalisa ngokuzenzekelayo ukuthenga kwakho kwaye unako ukufaka ngokuthenga imali ngemali okanye ukurhoxisa kwi-akhawunti yakho yasebhanki. Ungasebenzisa kwakhona i-app ukudala uhlahlo lwabiwo-mali kwaye ubeke iinjongo zokulondoloza.
Ukudala iBhajethi yakho
Emva kokuba unayo yonke ingeniso yakho kunye neendleko zakho zonke, isinyathelo esilandelayo kulula. Uthabatha nje iindleko zakho kwiholo lakho.
Ngokufanelekileyo, kufuneka ube nemali eseleyo xa zonke iindleko zakho zithathwa. Le akuyona imali omele ukuyichitha, nangona kunjalo. Le mali ingasetyenziselwa ukwakha isikhwama sokulondolozwa kongxamiseko , ukuhlawula ityala okanye ukuxhasa enye injongo yezemali.
Musa ukukhathazeka ukuba unenombolo engalunganga okokuqala xa wenza ukubala kohlahlo lwabiwo-mali.
Isizathu esilona sokwenza uhlahlo lwabiwo-mali kukubona ukusilela kwaye ufumane indlela yokujongana nayo. Ngezinye iinkcukacha uza kubona ukuba ngokwenza nje utshintsho oluncinane kwimikhwa yakho yokuchitha, unokuphucula kakhulu imeko yakho.
Mhlawumbi oku kuthetha ukunciphisa enye yeemali zokubhaliselwa kwamaphephancwadi, ukutya ngaphandle kwexesha elingaphantsi kwenyanga, okanye mhlawumbi ukubetha umama esikhundleni se-movie yexesha eliphambili. Ngokuqhelekileyo, ukugcina nje iidola ezimbalwa apha kwaye kunokwaneleyo ukuba ungaqiniseki nje ukuba uchitha imali engaphantsi kweyona uzuzayo, kodwa usebenzise ezinye iidola ezimbalwa kwizinto ezinjengetyala lekhadi lekhredithi eliphezulu okanye ukugcinwa kwakho komhlalaphantsi .
Khumbula ukuhlaziya ibhajethi yakho nyanga nganye kwaye uqwalasele nayiphi na utshintsho kwimali yakho engenayo okanye iindleko. Uhlahlo lwabiwo-mali lufanele lwenzelwe ukuba luguquke njengoko imeko yakho yezemali iguqukela, ngoko unokwenza umgangatho osempilweni.