Yenza uhlahlo lwabiwo lomntu kwizinto ezi-7

Isikhokelo senyathelo-ngeNzathelo zokwenza uhlahlo lwabiwo-mali

Isabelomali somntu siqu okanye sendlu isishwankathelo esicatshulwayo malunga neengeniso kunye neendleko zexesha elichaziweyo, rhoqo rhoqo ngenyanga. Nangona i- bhajethi yegama ilinganisekanga ngokuchanekileyo kunye neentlawulo ezichithwe ngokukhawuleza nje ngokuba ukutya kudityaniswe nokutya okukhawulezileyo, uhlahlo lwabiwo-mali lufanele lubhekiselele kwindleko efanelekileyo. Uhlahlo lwabiwo-mali luyakubonisa ukuba ungakanani imali okulindele ukuba ungenise kuzo zonke iindleko zakho ezivela kwiindleko ezifunekayo ezifana neentlawulo zendlu kunye nokuqeshisa kwiinkcitho ezifanelekileyo njengento yokuzonwabisa.

Esikhundleni sokubukela uhlahlo lwabiwo-mali njengento embi, jonga njengesixhobo sokufezekisa iinjongo zakho zemali.

Yiyiphi iBhajethi

Njengesixhobo sokucwangcisa imali, ibhajethi ebhaliweyo, yenyanga ivumela ukuba ucebe indlela oza kuchitha ngayo kunye / okanye ugcine imali yakho nyanga nganye kwaye ugcine umkhondo wendlela yakho yokusetyenziswa. Nangona ukwenza uhlahlo lwabiwo-mali kungabonakali njengomsebenzi osishukumisayo kunabo bonke, kubalulekile ukuba kugcinwe indlu yakho yezezimali ukuze uhlahlo lwabiwo-mali luxhomekeke kwibhalansi. Ukuba uchitha ngaphantsi kommandla omnye, unokuchitha imali enye kwenye okanye ukhethe ukugcina loo mali ngokuthengwa kwexesha elizayo, ukwakha isikhwama "semvula," okanye nokuba ngumhlalaphantsi.

Ngaphambi kokuba uqale ukwenza uhlahlo lwabiwo-mali, kubalulekile ukuba uqaphele ukuba ukuze uphumelele kufuneka unikeze ngolwazi oluchanekileyo nolwazi oluchanekileyo kunokwenzeka. Ekugqibeleni, isiphumo sokugqibela sesabelomali sakho siza kukubonisa apho imali yakho ivela khona, ingaba liphi na, kwaye yintoni ehamba kuyo inyanga nganye.

Ngohlahlo lwabiwo-mali, ungaqalisa ukubeka phambili imali yakho kunye nokulawula kakuhle imali yakho nekamva lezemali.

Indlela yokwenza uhlahlo lwabiwo-mali

Oku kulandelayo isicatshulwa-nyathelo-sinyathelo sokwenza uhlahlo lwabiwo-mali oluchanekileyo noluncedo.

1. Hlanganisa yonke ingxelo yezimali ongayenza. Oku kubandakanya iingxelo zebhanki, ii-akhawunti zezobalo-mali, iindleko zamatyala ezisandul 'ukutsha, kunye nayiphi na ingcaciso malunga nomthombo wembuyekezo okanye indleko. Esinye sezihluthulelo kwinkqubo yokwenza uhlahlo-lwabiwo-mali kukudala umyinge wenyanga, ngoko ke ulwazi oluthe xaxa unokwenza lube ngcono.

1. Rekhoda yonke imithombo yakho yengeniso. Ukuba uhlala phantsi okanye unayo nayiphi na imvelaphi engaphandle, qiniseka ukuba uyibhale kwakhona. Ukuba ingeniso yakho ifom yokuhlawula rhoqo apho irhafu ichithwa ngokuzenzekelayo, ke ukusebenzisa imali engenayo (okanye ukuhlawula umvuzo) ekhaya kuhle. Ukurekhoda le ntlawulo ngenani lemali.

2. Yenza uluhlu lweendleko zenyanga. Bhala phantsi uluhlu lwazo zonke iindleko ezilindelekileyo ozicwangcisayo malunga nokuhamba kwenyanga. Oku kubandakanya ukuhlawulwa kwemali , ukuhlawula imoto, i-inshurensi yemoto, ukutya, izinto zokuncedisa, ukuzonwabisa, ukucoceka okuomileyo, iimali-mboleko zomfundi, umhlalaphantsi okanye ukugcinwa kwekholeji- ngokukodwa yonke into oyisebenzisayo imali.

3. Ukudiliza iindleko kwiindidi ezimbini: ezichanekileyo neziguqukayo. Iindleko ezizinzileyo yilezo zihlala zifana nenyanga nganye kwaye zifunwa ziindawo zendlela yokuphila. Babandakanya iindleko ezinjenge-mortgage yakho okanye irenti, iintlawulo zeemoto, intambo kunye / okanye inkonzo ye-intanethi, i-trash pickup, iintlawulo zekhadi zekhredithi kunye njalo njalo. Ezi nkcitho, ngenxa yeyona nxalenye, zibalulekile kodwa zingenakuguquka kwisabelo-mali. Iindleko eziguqukayo zihlobo oluya kutshintsha ukusuka kwenyanga ukuya kwinyanga kwaye zibandakanya izinto ezifana nokutya, i-petroli, ukuzizonwabisa, ukutya kunye nezipho, ukubiza ezimbalwa. Olu hlobo luya kuba luleke xa lwenza utshintsho.

1. Iyonke ingeniso yenyanga kunye neendleko zenyanga. Ukuba isiphumo sakho sokugqibela sibonisa imali engaphezulu kuneendleko, uqala ukuya kwisiqalo esihle. Oku kuthetha ukuba unokubaluleka kokubaluleka kwimiba yebhajethi yakho njengokongiwa kwemhlala-phantsi okanye ukuhlawula ngaphezulu kwiibhalansi zekhadi lokuthenga ngetyala lokukhupha loo matyala ngokukhawuleza. Ukuba ubonisa ikholomu ephezulu yeendleko kuneniso, ithetha ukuba utshintsho oluthile luya kwenziwa.

2. Yenza ulungiso kwiindleko. Ukuba uthe wachonga ngokuchanekileyo kwaye wabhala zonke iindleko zakho, unjongo ekugqithiseleyo kukuba ube neengeniso zakho kunye neendleko zamakholomu ukulingana. Oku kuthetha ukuba yonke ingeniso yakho ibalwa kwaye ihlahlowe imali ethile okanye injongo yokulondoloza.
   
   Ukuba unemeko apho iindleko ziphezulu ngaphezu kwengeniso, kufuneka ujonge iindleko zakho ezichaseneyo ukuze ufumane indawo ekunqunywe kuyo. Ekubeni ezi ndleko ziqhelekanga ezingabalulekanga, kufuneka kube lula ukucheba iindidi ezimbalwa kwiindawo ezimbalwa ukuza kukusondeza kwingeniso yakho.

1. Hlaziya uhlahlo lwabiwo mali. Kubalulekile ukuhlalutya uhlahlo lwabiwo-mali rhoqo ukuze uqinisekise ukuba uhlala kwindlela. Emva kwenyanga yokuqala uthathe umzuzu ukuba uhlale phantsi uze uqhathanise iindleko zangempela ngokubhekiselele kwento oyenzile kwibhajethi. Oku kuya kukubonisa apho wenza kakuhle kwaye apho ungadinga ukuphucula khona.