Indlela yokuphucula imeko yakho yezemali kwi-10 imizuzu (okanye ngaphantsi!)
Unemizuzu embalwa eyongezelelweyo? Yisebenzise ukuphucula iimali zakho.
Ukulawula imali yakho, ukuhlaziya uhlahlo lwabiwo-mali, kunye nokulandelela iindleko zakho kunokuba konke kubonakale kukudlula ixesha. Nangona ungeke wenziwe ngemali, ngokuqinisekileyo awunakwenziwa ngexesha.
Unomsebenzi oxakekileyo. Unokulindela njani ukuba uthathe ulawulo lweemali zakho xa unganakufumana ixesha lokuhlamba nokulala?
Nazi ezinye zezemali ezenza umntu onokuzenza malunga nemizuzu eyi-10.
Se benzisa imizuzu engama-10 yokugcina enye yale mi sebenzi.
# 1: Funda iikethi zekhadi lakho lesikweletu kunye neengxelo zekhadi lokukhawuleza . Hlola ngokukhawuleza iindleko kwaye ubhenkisele nantoni na into ebonakala ilungelayo.
Xa uhlalutya izitatimenti zakho, ngokukodwa ujonge iindleko ezingafunekiyo, ezifana nokuhlaziywa ngokuzenzekelayo kweemagazini, ukubhaliswa kwamalungu kunye nezinye iimali zenyanga. Ezi zityholo zisemthethweni - oko kukuthi azikho iindleko zobuqhetseba - kodwa zisayimela iintlawulo ezingafunekiyo. Ngokuya kwi-website ye-Billguard.com, inkonzo yokubeka iliso ngekredithi kunye ne-debit, umntu oqhelekileyo ulahlekelwa i-$ 356 ngonyaka ngenxa yezi ntlawulo ezingafunekiyo.
# 2: Vula i-akhawunti ngebhanki ye-intanethi evumela ukuba wenze i-akhawunti yokugcina imali, njenge- SmartyPig .
# 3: Dlulisa imali kwi-savings. Hambisa imali kwi-akhawunti yakho yokugcina okanye ukujonga i-akhawunti kwi -akhawunti yokugcina imali eyenzelwe injongo ethile, njengokulungiswa kwemoto, ukulungiswa kwimizi, okanye iindleko zonyango.
Unokuchitha imizuzu eyi-10 ukubeka intengiso rhoqo ngenyanga, ukuze uhlale ubeka imali ngaphandle kwenyanga ngaphandle kokucinga ngawo. (Ngaphezulu koko ngezantsi.) Ngenye indlela, unokuchitha imizuzu eyi-10 ngesandla ngokudlulisela nayiphi na imali eyongezelelweyo enokuba nayo kwenye ye-akhawunti yakho yokugcina imali.
# 4: Zizenzele iimali zakho . Kufuneka ubeke iintlawulo zenyanga zenzeke ngokuzenzekelayo ukwenzela ukuba awuyi kuhlawulwa nayiphi na imali ehambileyo. Kufuneka ubeke kwakhona iintlawulo ezizenzekelayo ukusuka kwi-akhawunti yakho yokungena kwi-akhawunti yakho yokugcina imali, iakhawunti yakho yomhlalaphantsi kunye ne-akhawunti yakho yokugcina imali, ukuze ugcine ngaphandle kokucinga ngako.
# 5: Funda amanqaku eemali zakho kwi-intanethi. Kukho ezininzi izithuba zeblogi ezifundisa iimali zomntu kunye neziseko zebhajethi, njengendlela yokuphatha imali ngaphandle kohlahlo lwabiwo-mali . Funda ezi fowuni okanye kwi-tablet xa uhlala egumbini lokulinda, okanye xa uhamba ixesha ukulindele umhlobo ukuba abonise.
# 6: Hlola iirisithi zakho malunga neengxelo zekhredithi okanye ikhadi lesekhredithi. Yenza oku njalo ngenyanga. Ngamanye amaxesha abarhwebi banophoxisa, mhlawumbi ngengozi okanye ngenjongo, ngoko gcinani nantoni nayiphi na into ekhangeleka ngakumbi kuneyona nto.
# 7: Sebenzisa i- app yohlahlo lwabiwo - mali njengoMint.com ukuhlaziya iimveliso zakho. Oku kuya kunceda ukuba uqaphele ngakumbi apho uchitha imali yakho.
Nako usiya! Nanku ukuphathwa kwemali emihlanu ehambayo enokuyenza ngemizuzu eyi-10 okanye ngaphantsi-ukuze usebenze. Thatha ulawulo lweemali zakho namhlanje, nangona usuke u-time-crunched.