Qala ngokulahlekelwa yiKhadi leMatyala
Ingxaki ngolu hlobo lula ukuba uqale ukulibala inani lenene lemali oyichithayo kwaye ugqibe ekubeni neengxaki zokuhlala kwimida efanelekileyo okanye eyabelwe imali. Yilapho ukusetyenziswa kwemali kunokunceda.
Indlela iCash eyahlukileyo ngayo kwiNkcitho
Xa ukuthengiselana kwakho kwansuku zonke kwenziwa ngokushushela ikhadi, awuboni ngokwenene ukutshintsha kwemali. Ndiqinisekile ukuba wonk 'ubani uyazi ukuba uchitha i-$ 2.00 kwikhobe yekhofi evakalelwa ngathi kodwa inyaniso ubona le nombolo kwirejista okanye kwi-rejista yemali engenayo imiphumo efanayo ifinyelele kwisikhwama sakho okanye isikhwama kunye nokunikezela ngemali komnye umntu.
Ingxaki ikhona ngendlela esicinga ngayo ngemeko kwimeko nganye. Xa usebenzisa ifom yekhompyutha ye-intlawulo kuphela umlinganiselo wemali ebhankini okanye inkokhelo ekhoyo kwikhadi, ekufanele ukuba nethemba elingaphezu kwakho (okanye kufuneka libe) ukuchitha.
Kulo lonke veki xa usebenzisa imali kwizinto zokutya, i-gas, ikhofu yakho yasekuseni, okanye isidlo sasemini kunye nabasebenzi abasebenzisana nabo, awuqapheli ukuba kuthengwa kangakanani na ukuthengwa okuncinane ngaphandle kokuba ulinganise i-checkbook yakho emva kokuthenga nganye. Yintoni i-checkbook, ubuza? Yiloo nto ingxaki.
Nangona iincwadi zokutlola ziphantse ziphelelwe ngumsebenzi kubantu abaninzi, into eyenzayo ngisho nangokungaphumeleli kwazo ziqinisekisa ukuba ngamaxesha onke, uyazi kakuhle ukuba yintoni kwi-akhawunti yakho yasebhanki nento oye wachitha kwaye apho.
Ngakolunye uhlangothi, ukuba unokusebenzisa imali ngokuthenga okufanayo, uya kuba nembono ecacileyo yemiphumo yale mali ngaphandle kokucinga ngayo. Ukuba uqale ngeveki nge-$ 40 kwisikhwama sakho kwaye waqala ukuyisebenzisa kuyo yonke into oyithengayo uza kubona le $ 40 ibe yi-$ 35, i-$ 25, i-$ 10 njalo njalo. Uyakhunjuzwa ukuba uchithile kangakanani kwaye uninzi kangakanani imali oye washiya rhoqo xa ubheka kwikhredithi yakho. Oku kuphela kunokukwenza ukuba ucinge kabili ngaphambi kokuthenga, yintoni inyathelo lokuqala lokusebenzisa imali yakho phantsi kolawulo.
Umngeni weCash Challenge wama-30
Amakhadi enkoleko awayingozi. Enyanisweni, zinokuba sisixhobo esikhulu semali sokwakha imbali yamatyala entle , ukufumana inzuzo yemali mboleko (ukuba uhlawula ibhalansi inyanga nganye), kunye nemali yokufumana imali, umvuzo, kunye nokuhlawulwa kwemali. Ngaphezu koko, zikulungele kakhulu. Kodwa yinto elula kakhulu ukuba kufuneka uqaphele xa ukuchitha kwakho imali kuphelile. Ngoko cinga ukuzama umngeni wemali engama-30.
Ngexesha loko unako ukuqhubeka nokuhlawula iibhidi ezithile kunye nekhadi okanye i-debit card okanye ukuhoxiswa ngokuzenzekelayo kwi-akhawunti yakho yasebhanki, umngeni usebenzise imali ngemali yokuthenga rhoqo imihla ngemihla iintsuku ezingama-30. Ikofu yasekuseni? Sebenzisa imali. Ukutya? Sebenzisa imali. Ukutya ukutya? Sebenzisa iCash. Uyure yokonwaba? Sebenzisa imali. Iingcamango kukukhawulela zonke iinkcitho zakho ezichanekileyo kunye neengqiqo, oko kukuchitha imali olawula ngayo, ukuthengisela imali. Unokufumanisa ukuba ucinga ngakumbi ngemali oyisebenzisayo. Unokufumana nokuba usebenzisa imali encinci ngenxa yoko.
Ukuqala umngeni wemali yeentsuku ezingama-30, kufuneka uqale udale isabelomali seveki malunga nokuba uninzi kangakanani imali ocinga ukuba uya kuyidinga kwiveki. Ngaba usayakufumana loo ndawo ekhethekileyo yekhofi okanye uza kuba nekende ekhaya okanye kwiofisi? Ngaba uya kutya isidlo sasemini yonke imihla okanye upakishe isidlo sasemini iintsuku?
Cinga yonke imali oya kuyidinga kwaye ufuna ukuyi-akhawunti, thabatha loo mali kwi-ATM, uze uqalise iveki yakho. Ingaba i-$ 20 okanye i-$ 100, yodwa inani lemali oye wahlawula imali kwaye uyisebenzise le mali ngemali nganye yansuku zonke. Unokucinga ukuba ulwahlula imali leyo kwiimvulophu ezihlukeneyo, ezijoliswe kwiintlobo ezithile zokuchitha imali ezifana nokutya, ukutya ngaphandle, ukuzonwabisa, njl njalonjalo, uza kufumana ingqiqo ecacileyo apho uphuma khona ngemali kuqala!
Emva koMngeni weCash Challenge wama-30
Emva kweveki enye, wenza njani? Ngaba ufumene ukuba unayo imali okanye ufanele ukupakisha isidlo sakusihlwa ngoLwesihlanu kuba uchithe idola yakho yokugqibela ngoLwesine? Yizame iiveki ezimbalwa ukuze ungene kwisigqi okanye umkhwa. Kungakhathaliseki ukuba yintoni umphumo wocelomngeni, kufuneka ube nengqiqo ngokwenene apho imali yakho ihamba khona ngeveki, kwaye ngenxa yoko, uya kuba sesikhundleni sokuhlanganisa ibhajethi engqinisisekileyo kunye nengqiqo.
Ngokuqinisekileyo, kukho isizathu sokuba umngeni wemali engama-30 kwaye awuyilo mngeni wemali engama-30. Ukuhamba yonke imali ayikho imali ehamba phambili yezemali kwixesha elide. Xa usugqibile umngeni ukwaneliseka kwakho, lixesha lokudala uhlahlo lwabiwo-mali kwaye unqume ukuba uza kuzigcina njani uxanduva. Unokugqiba isigqibo sokuba ufuna ukuqhubeka nokuthenga izinto ezithile zansuku zonke ngemali ukukhawulela imali kwilo "candelo." Okanye unokugqiba ukukhetha inkqubo yezemali ukuze ungene kwaye ubeke uluhlu lwemali yakho yonke ngemali yamakhadi kunye nemali. Ngayiphi na indlela, inyanga enye yokusebenzisa imali kufuneka incede usebenzise imali yakho ekulandeleni.