Khangela ukuTyala kwakho kunye neNdleko
Okokuqala, kufuneka uhlale phantsi kwaye ujonge ingeniso yakho kunye neendleko zakho. Landelela imikhuba yakho yokuchitha imali ukuze ubone apho uchitha imali yakho. Oku kubalulekile ukwenzela ukuba utshintshe imikhwa ekhokelela ekusebenziseni amakhadi enkokhelo nyanga nganye. Oku kuya kukunceda ukuba uqale ukwenza utshintsho
Bhala uhlahlo lwabiwo-mali
Bhala phantsi uhlahlo lwabiwo-mali. Kufuneka ubeke umda onengqiqo kuzo zonke iindleko zakho. Isisitshixo sokwenza lo msebenzi webhajethi kukuba wazi apho idoli nganye iya khona. Ingeniso yakho kunye neendleko kufuneka zilingane nomlinganiselo ofanayo. (Imali oyifakayo kwi-savings iya kuthatyathwa njengendleko kwibhajethi yakho.)
Gcina kwiBhajethi yakho
Qala ukulandela isabelomali sakho. Unokudinga ukutshintshela kwi-cash ukuze uzikhusele kwi- overspending ekuqaleni kwenyanga. Kufuneka ulandele iindleko zakho ukuze wazi ukuba uchithile kangakanani kwisigaba ngasinye emva kokuba uchithe imali yakho.
Yeka Ukuthatha Iikhadi Zakho Zemali
Yeka ukuthwala amakhadi nawe. Unokukhetha ukunyamekela unxamnye nokukhawuleza (njengokuba uhlawula iloli yombhobho xa imoto yakho ihla), kodwa kuphela xa ungayisebenzisi ezinye iindleko. Ukuphela nje ukuba unakho ukhetho lokusebenzisa amakhadi akho kuya kukunceda ukuba uyeke ukuwasebenzisa.
Emva kokuba uzihlawulele ungafuna ukuvala amakhadi akho ekwereta .
Cwangcisa ngeNyanga nganye
Cwangcisa inyanga yakho ngenyameko, kwaye gcina izinto eziza kuqala. Khumbula ukuba ukutya, indawo yokuhlala kunye namandla kuza phambi kwezicathulo zakho ezintsha, i-iPhone okanye inkqubo yomdlalo. Ukuba awunamatheli kuhlahlo lwabiwo-mali kuzo zonke iindidi unokuphelelwa yimali kwizinto eziyimfuneko. Ukucwangcisa kunokukunceda ukuba uyeke ukukhawuleza okukhawulezayo okukulahla .
Gcina kwiNgxowa-mali eNgxamisekileyo
Gcina imali yenkxaso-mali yongxamiseko ukuze ungadingi ukusebenzisa amakhadi akho ekwereta ngexesha loxakeka. Kuze uhlawule ngetyala lexakeka ngokumalunga ne-$ 1000.00 kufuneka lijongane nexesha eliphuthumayo, kwaye emva kokuphuma kwetyala, inkokhelo engxamisekileyo yeenyanga ezintathu ukuya ezintandathu iindleko kufuneka zanele. Kukho izizathu ezininzi zokuba neengxowa-mali zexakeka , kwaye ukuphuma kwetyala kungomnye wabo. Oku kunokukhusela nokonga kwakho .
Phuma kwiTyala
Yenza icebo lokuphuma kwetyala . Ukuphuma kwetyala kuya kukhulula imali ukwenzela ukuba ukwazi ukufikelela kwiimfuno zakho, kwaye ube nemali eseleyo ekufuneni kwakho. Le nyathelo elikhulu ekufikeni phambili kwezemali, kwaye uya kukhwankqiswa kwinkululeko ekunika yona.
Yenza nzima ukuba amakhadi akho akwerekrele afumaneke. Ukuziphosa kwi-block enkulu yeqhwa akuyona into engalunganga yombono, kodwa unokufuna ukususa amanani kwii-akhawunti ze-intanethi ze-intanethi, ezenza kube nzima ukuthenga apho.
Ukulandelela iindleko zakho kwaye ulandele uhlahlo lwabiwo-mali yindlela efanelekileyo yokuyeka ukuphuma kwemali inyanga nganye. Nangona le mi sebenzi ingaba yinkathazo kwaye idla ixesha elifunekayo kukunceda ufumane ulawulo lwemali yakho.
Ukutshintshiselwa kwamanani akho aphezulu kumlinganiselo wekharityhulam entsha kunye nezinga elingaphantsi linokukhawulezisa inkqubo, kodwa kuphela ukuba awusebenzisi amakhadi nangayiphi na injongo.
Ukufunda ukuyeka ukuthembela kumakhadi wakho ekhredithi kuyisinyathelo esinye ongayithatha ukuqala ukuhlambulula imali yakho namhlanje. Ngomsebenzi, unokuba yimeko engcono yezemali.
Khumbula ukuba amakhadi enkokhelo awayibi kakhulu . Ziyisixhobo esilula ukuphazamiseka. Ukuba uyazi ukuba awukwazi ukuzilawula ngokuchanekileyo, kukulungele ukuphepha kuzo zonke. Unokuphepha ukuwasebenzisa ngokusebenzisa ikhadi lakho lokubambisa endaweni kuninzi kwiimeko ezininzi.