Xa uhlawulwa kanye ngenyanga kungenza uhlahlo lwabiwo-mali lube lula kwaye lukhuni ngakumbi ngexesha elinye. Xa uhlawulwa kanye ngenyanga uya kuhlawula zonke iindleko zakho ekuqaleni kwenyanga, kwaye akudingeki ukhathazeke ngokubeka eceleni isixa esithile kwi-paycheck nganye ukuhlawula irenti yakho okanye imali yakho. Oku kwenza ukuhlawula iindleko zakho kulula kakhulu. Nangona kunjalo, kunzima kakhulu kuba kulula ukuhamba nayo yonke imali yakho ngokukhawuleza kwaye ushiye ukuba ungapheli ekupheleni kwenyanga nganye. Akufanele ulibale ukucwangcisa iindleko zonyaka xa uceba uhlahlo lwabiwo-mali. Nazi ezinye iingcebiso zokwenza uhlahlo lwabiwo-mali lula xa uhlawula kanye ngenyanga.
01 Bhatala zonke iiBhili zakho ngexesha
Ubunzima obunokuthi unakho kunye neebill ezitshintshileyo ezifana neendleko zakho zesevisi. Ukuba ngaba kunjalo unako ukuthetha nenkampani ukubona ukuba unokutshintsha umhla wakho wokuhlawula. Uninzi iinkampani zikulungele ukusebenza nawe ukutshintsha umhla ofunekayo. Kufuneka ubeke eceleni imali nganye inyanga. Oku kuya kukunceda ukuyeka ukuhlala kwi-paycheck ukuhlawula .
Ukutshintshela kwiCash kuphela kwizinto eziphumayo zeeBhajethi zakho
Sitshintshela iindidi eziseleyo kwibhajethi yakho kwiimvulophu okanye kwisiseko semali. Oku kuthetha ukuba awuyi kusebenzisa ikhadi lakho lokubambisa, kodwa uya kusebenzisa kuphela imali kwiqela ngalinye ukuze wenze ukuthenga kwakho. Unako ukurhoxisa imali kwi-bhanki yakho ekuqaleni kwenyanga uze ufake imali echanekileyo kwicandelo ngalinye. Oku kuya kukunqanda ukuba uphephe yonke imali yakho ekudleni ngaphandle kweveki yokuqala ukususela kwiindidi zahlula kunye kwaye uyazi ukuyeka ukuchitha imali kwelinye iqela xa uchitha imali.
Ukutshintshela kwimali kuyindlela enhle xa uyithiyile ukulandelela imali yakho. Uyazi ukuyeka ukuchitha xa uphuma ngemali. Oku kunciphisa inkqubo kwaye ikhusela imali oyifunayo ukuyisebenzisa kwizinto zokuthengisa ukususela xa uphuma kunye nabahlobo ngeveki.
03 Hlukanisa Imilinganiselo Yakho Imida kwiveki nganye
Ukuba ufumanisa ukuba uchithe imali yakho enkulu yokutya ekuqaleni kwenyanga okanye ukuba unenkinga enzima kunye nezinye iindidi ezinjengezokuzonwabisa, unokufuna ukwahlula ezi ziincinci zamasonto onke. Unokubeka umda weveki nganye, kwaye wuthathe kuphela loo mali xa usuka kuthengwa. Unokwenza iifomvu zeveki nganye kwiqela ngalinye. Le yindlela efanelekileyo yokumisa phezu kwe-overspending. Ingakunceda ukuyeka ukutya iiembotyi kunye nelayisi ekupheleni kwenyanga nganye kwaye kukunceda uhlale kumkhondo.
Oku kubalulekile ukuba ufuna ukwenza uhlahlo lwabiwo-mali kwaye imali ishiywe ekupheleni kwenyanga. Ukuba usebenza kwimibandela usebenzisa ikhadi lakho lokubambisa, ukutshintshela imali kunye nokwahlula kwimida yokuchitha impela yenyanga kunokukwenza uhlahlo lwabiwo-mali luqale ukusebenza kuwe.
04 Ukunamathela kwimida yokuchitha
Isihluthulelo sokwenza kube sekupheleni kwenyanga nganye kukunamathela kwimida yakho yeveki nganye kwicandelo ngalinye kwaye ungabikho kwi-intanethi kwiphina isigaba. Njengoko utshintshela kwimali yokuzonwabisa, ukutya kunye nempahla yokugqoka, ngokukhawuleza uza kufunda ukuyeka ukungena kwi-overspending. Kubalulekile ukuyeka ukuchitha emva kokuphuma kwemali. Imali ingakunceda ukwenza oku, kwaye ukubeka imida yeveki kunokunceda ngokunjalo. Kubalulekile ukuqinisekisa ukuba awulibali iindidi ezihlahlo lwabiwo-mali . Ungakwazi kwakhona ukujonga iindlela ezintsha zokulondoloza inyanga nganye ukukunceda unamathele kwimida yakho yokuchitha.
05 Yakha iNgxowa-mali eNgxamisekileyo
Xa uhlawulwa kanye ngenyanga, inyanga inokuziva ide, ngakumbi xa uhamba ngeendleko ezingalindelekanga ezifana nokulungiswa kwemoto kunye neminye imiba. Ingxowa-mali engxamisekileyo ingakunceda ukujongana neendleko ngaphandle kokubhubhisa uhlahlo lwabiwo-mali. Xa uhlawulwa kuphela ngenyanga, kubaluleke nakakhulu ukuba ube neengxowa-mali zexakeka ngenxa yokuba unxunguphako ungadla yonke imali yakho ekuqaleni kwenyanga kwaye ushiye unzima kuzo zonke ezinye. Ukubeka eceleni i-$ 50.00 ngeveki kwingxowa-mali yoxakeka-mali kukunika isiqalo esihle. Ungasebenzisa ibhonasi okanye ukubuyiselwa kwemirhumo yokwakha enye.