Indlela yokulungelelanisa ukuchitha kwakho ngeemilinganiselo zakho
Uhlahlo lwabiwo-mali lufuna ukuba uthathe ubude obude, obunzima kubomi bakho. Indlela ochitha ngayo imali yakho kufuneka ibonise iimpawu zakho ezinzulu.
Uhlahlo lwabiwo-mali, kwingundoqo yalo, luyisenzo sokulungiswa kwemali yakho kunye nezindleko zakho.
Ukuhlaziywa kohlahlo lwabiwo-mali kudinga okungaphezulu nje kokuzalisa iphepha lokusebenzela .
Kudinga ukubeka izinto eziphambili .
Ukwenza oko, kuya kufuneka uzibuze imibuzo emininzi enzima.
Umbuzo # 1: Ziziphi iNtsilelo andizilahlekanga njengeSiphumo seNdlela endiyisebenzisa ngayo imali yam?
Makhe sicinge ukuba ufuna ukufumana olunye umntwana, kodwa wena kunye neqabane lakho nikhathazeka ukuba awukwazi ukukhulisa omnye umntwana.
Okanye masicinge ukuba usoloko ufuna ukutyelela ugogo wakho eFransi okanye izalamane zaseChile, kodwa ukhathazeka ngeendleko zetikiti zomoya.
Ngamafutshane, makhe sicinge ukuba kukho into "oyithandayo" ukuyenza-ithuba elihle-ocinga ukuba awukwazi ukufikelela.
Ngaba kukho imimandla ebalulekileyo ebomini bakho apho uhlawulela imali? Ngaba unokukhansela isevisi yethelevishini yakho, unciphise ukwabelana ngemoto enye, okanye uqale ukugqoka iimpahla zesikhombisa?
Ngaba unako ukufaka i-head gallon-1.5 ngomzuzu weshawa kwindawo yakho yokuhlambela ukuze uhlambe i-$ 10- $ 20 kwi-bill yakho yamanzi inyanga nganye? Ngaba unako ukulahla i-cigarettes okanye i-soft drinks?
Ezi ntlawulo ezincinane zebhajethi zingabonakali ngathi zininzi-$ 30 ngenyanga, i-$ 60 ngenyanga-kodwa ziyakongeza ukuya kumawaka ngenyanga.
Ukuba unako ukwenza i-tweaks encinane kwaye uhlalutye kwimikhuba yakho yokuchitha imali ukuze ukwazi ukugcina i-$ 300 ngenyanga, uya kuba ne-$ 3,600 eyongezelelweyo ngonyaka. Leyo yinto ebalulekileyo yenguqu yeengxowa-mali zakho ezinkulu.
Umbuzo wesi-2: Yintoni endiyisebenzayo njengamanje?
Ukuba awuzange ulandele imali yakho okwamanje, enye yeyona ndlela efanelekileyo yokujonga imali yakho yangoku kukuba uthathe uluhlu lwempahla yakho. Nazi izinto ezimbalwa zokuqwalasela:
Izambatho - Zingaphi iikhati, iingubo, iingubo, iingubo kunye nezicathulo zifakwe kwi-closet yakho? Ngaba unayo iqoqo elikhulu leengubo? Uhlala unxiba kaninzi kangakanani loo mpahla?
Zama ukulinganisa ixabiso lezinto zonke kwindawo yakho yengqondo. Zindleko zantoni na? Ucinga ukuba uchithe kangakanani kwiingubo kunye nezicathulo kwiminyaka embalwa edluleyo?
Ikhaya lakho okanye iThengisi - Ingakanani inani lakho lokuhlawula ixabiso lakho ikhaya lakho okanye indlu? Kulula ukwenza uqikelelo olunzima lwalo. Ukuba irenti yakho i-$ 800 ngenyanga, kwaye uzisa ekhaya i-$ 2,400 ngenyanga emva kwentlawulo, usebenzisa enye yesithathu nganye yokuhlawula kwirenti .
Ingaba nekhaya elifanelekileyo elixabisa enye yesithathu yeeyure zokusebenza zokusebenza? Ngaba oko kuyahambelana namaxabiso akho? Ukuba impendulo nguwewe, kulungile.
Kodwa ukuba impendulo yakho ayikho, zama ukufuna indawo engabizi ukuba uhlale kuyo. Ukuqeshisa indlu yokuhlala eyi-$ 600 kunokuba i-$ 800 kuthetha ukuba uchitha enye yesine yesikhokhelo sakho kwikhaya lakho, kunokuba ibe yintathu yesithathu. Oku kufana nokuzinikela ipesenti eziyi-8.
Ukubala inani lakho lokuhlawula olichithayo kwizindlu lincinci xa uhlala kwikhaya lakho kuba kukho ininzi "yeendleko" ezifunekayo ukuba uziqwalasele. Ngaphezulu kwe-mortgage, uhlawula i-inshurensi, irhafu yepropati, ukulungiswa, ukugcinwa, izixhobo kunye neenkonzo. Sebenzisa iphepha lokusebenzela lokuhlawula isabelo-mali ukuze ubone ukuba luninzi lweeyure zomsebenzi eziyi-8 ukuya kwiindawo zokugcina ikhaya lakho.
Ukutya - Ngaba udla kuphela kwiimeko ezizodwa, okanye uyadla amaxesha amaninzi ngeveki? Ukuba uyadla rhoqo, uwela kwelinye leenkampu ezimbini: Unomdla wokutya onomdla obala "ukutya" njengento yokuzilibazisa ngokusemthethweni, okanye usebenzisa imali yakho ngokugqithiseleyo kwinto engabalulekanga kuwe. Yiyiphi na?
Ngaphantsi
Imfihlelo yokwenza uhlahlo lwabiwo-mali oluzinzileyo aluyi kubanjwa kwiidola kunye neentente .
Isibalulekileyo kukulungelelanisa ixabiso, amaphupha kunye neminqweno yakho ngemikhwa yokuchitha.
Ukuzalisa iphepha lokusebenzela elibonisa indlela ochitha ngayo imali yakho ibalulekileyo isinyathelo sokuqala, kodwa kusebenza kuphela xa kuhamba ngokulandelana ngokunyanisekileyo malunga nendlela ofuna ukuchitha ngayo ubomi bakho.