Thelekisa umvuzo wakho kwiindleko zezinto ozifunayo
Ingeniso yonke imali oyizisa ngenyanga. Iquka umvuzo kunye neengcebiso kwaye ingaquka imali oyifumana rhoqo kwiintsapho, utyalo-mali okanye nayiphi na enye imvelaphi. Oko kungabandakanyi izipho ezikhethekileyo, ibhonasi, okanye i-windfalls ezifana nokunqoba kweLotter: awukwazi ukuxhomekeka kwingeniso enjalo, ngoko kulungile ukushiya ngaphandle kwebhajethi yakho.
Izinto eziyimfuneko zizo zinto okanye iinkonzo omele ukuzithenga ngayo ngenzuzo yakho.
Izinto eziyimfuneko ziquka ukutya okuyisiseko, iimpahla, indawo yokuhlala, ukushisa, kunye nokunakekelwa kwezonyango. Ezinye izinto ezifunekayo zihambelana nezibophelelo zakho zemihla ngemihla; umzekelo, ungadinga ukuthutha ukuze wenze ubomi, okanye unokufuna ukuthenga umfaniswano ukuze ugcine umsebenzi wakho. Kwimeko ethile, izinto eziyimfuneko zingabandakanya iimboleko okanye iindleko zemfundo.
Ukwenza uhlahlo lwabiwo-mali, kuya kufuneka uqikelele imali engenayo rhoqo kwiindleko eziyimfuneko. Ukuba ufumanisa ukuba ingeniso yakho ingaphantsi kokufuneka uhlawule iimfuno, kuya kufuneka ufumane indlela yokunciphisa iindleko okanye ukwandisa ingeniso. Ukuba ufumanisa ukuba ingeniso yakho ingaphezu kweendleko eziyimfuneko, unayo imali ekushiye ukuyichitha kwizinto zokuzikhethela (ezikhethiweyo) izinto.
Ukusebenzisa amaSpredishithi eBhajethi ekulawuleni iRhafu kunye neemfuneko
Iibhidi zebhajethi, okanye iipredishithi, zixhobo ezibonakalayo zokulandelela ngeniso kunye neendleko. Ngokujonga okukodwa, unokubona oko uchitha kunye nendlela iindleko zakho ezifanisa ngayo nengeniso yakho.
Ukuze uqalise, kuya kufuneka uqokelele zonke ii-stubs zakho zokuhlawula kunye nolunye ulwazi olufumene ingeniso kunye neerisiti zenyanga. Ukuba usebenzisa i-debit okanye ikhadi lekhredithi ukuze uhlawule iimfuno, loo nkcazelo iya kuba kwi-statement yakho yenyanga. Ukuba akunjalo, kuya kufuneka uqokelele iirisithi kwinyanga yonke.
Ukulandelela Imali Yakho. Eli phepha yilapho uza kulandelela imali oyizisa ngenyanga. Ukuba awuqinisekanga (ngokuba, ngokomzekelo, ufumana iingcebiso ezifaniyo nganye ngenyanga) uya kufuneka ugcine irekhodi elinyamekileyo ubuncinane ubuncinane beenyanga. Okwangoku, unokulinganisela izicwangciso zakho.
| SOMECE SOURCE | INCWADI YONYAKA |
| Umthombo 1: | |
| Umthombo 2: | |
| Umthombo 3: | |
| ZONKE: |
Ukulandelela iindleko zakho eziyimfuneko. Eli pheshethi liqukethe yonke iibill omele uyihlawule, nangona kungabikho zonke iindidi ( ezifana nentlawulo yepropati ) ziya kusebenza kubo bonke abantu. Zininzi zezi ndleko zingancitshiswa ngokuthenga ngeenxa zonke. Iindidi ezidibeneyo ziza kukuzalisa iindleko zomntu ongazenziyo, njengokhathalelo oludala .
| NECESSARY EXPENSE | YONYAKA YOKUQALA | YENYAKA |
| Ukuqeshisa okanye ukuThengisa | ||
| Ukutya | ||
| Izixhobo (ugesi, igesi, ubushushu) | ||
| Amanzi kunye noTywala | ||
| U kucoca udoti | ||
| Umshuwalense Wezempilo / Co-Country | ||
| Insurance Insurance | ||
| Ukulungiswa ngokuzenzekelayo / Isondlo / i-Fuel | ||
| Uthutho lwabantu | ||
| Ifowuni (yomhlaba kunye nomnxeba wefowuni) | ||
| Ukuhlawula imali | ||
| Abanini bezindlu / iiRharensi zentengiso | ||
| Imali ye HOA | ||
| IRhafu yePropati | ||
| Inshorensi yobomi | ||
| Ukunyuka Kweenwele | ||
| EziKhuselekileyo | ||
| Ukunyamekela kwabantwana | ||
| Impahla | ||
| Umhlalaphantsi | ||
| Misc # 1 | ||
| Misc # 2 | ||
| ZONKE: |
Izinyathelo ezilandelayo zoLawulo lweMali
Usebenze ubudlelwane phakathi kwemali engenayo kunye neendleko zakho eziyimfuneko, oku kuthetha ukuba uphumelele endleleni yokulawula uhlahlo lwabiwo-mali.
Ukuba ufumene ukuba iindleko zakho eziyimfuneko zinye okanye zininzi kuneholo lakho, uzakufuna iindlela ezininzi zokugcina.
Ngaphambi kokuba uqale ukugawula iindleko zakho, nokuba kunjalo, kubalulekile ukufumana umfanekiso opheleleyo wento oyisebenzisayo. Abambalwa kakhulu abantu bachitha kuphela kwiimfuneko. Iindleko zokuzikhethela, okanye ezikhethiweyo, iindleko ziyingxenye yobomi bomntu wonke. Ziquka imali oyichitha ekudleni kunye nomhlobo, izipho zokuzalwa kunye neeholide.
Ukuba unjengabantu abaninzi, uya kufuna ukugcina imali ethile ukuze uzenzele ukuguquguquka. Iindaba ezilungileyo ukonga imali kuza ngokukhawuleza xa wazi iindawo ofuna ukuzijolisa kuzo.