Qinisekisa impembelelo yakho yentlawulo
Okokuqala, kufuneka uqwalaselwe impembelelo yerhafu yemali oyifumanayo.
Kuya kuxhomekeka apho ivela khona imali ekubeni ingahlawulwanga okanye ayihlawulwanga. Kufuneka uxoxe nomthengisi wakho werhafu okanye uchwephesha ukuba uqinisekise ukuba imali ayiqwalaselwe ukuba ayihlawulwanga irhafu. Ininzi imali ayikho, kwaye ke kufuneka ubeke eceleni imali eyaneleyo yokuhlawula irhafu okanye ukuhlawula irhafu ngoku.
Beka ngaphandle kweNgxenye encinci yokuzonwabisa
Kufuneka uvumele ipesenti encinci ukuba uyisebenzise ukuzonwabisa okanye ukuzizonwabisa. Ngokuqhelekileyo oku akufanele kube ngaphezu kweeshumi kweepesenti yemali. Sebenzisa le mali ngokuhlakanipha. Ukuba uthengisa ukuthengisa kwaye ulinde amaxabiso ukuwa phantsi uya kuba nokufumana imali engaphezulu. Unokufumana uxinzelelo lontanga ukuba uchithe yonke imali yakho kumnandi kunokuba uyisebenzise ngobulumko. Kubalulekile ukuzonwabisa kodwa kufuneka ulandele iindleko zakho kwaye umise ngokukhawuleza xa ufikelela kwisixa obeka eceleni. Ininzi yemali kufuneka isetyenziswe ukukhupha ezinye iindleko.
Setha iSicwangciso seMali
Imali yonke ifanele isetyenziswe kwisicwangciso sakho sexesha elide. Esi sicwangciso sifanele sisekelwe kwiinjongo zakho kwaye kufuneka sihambe nesicwangciso sakho sotyalo-mali. Kubalulekile ukuba neenjongo zemali zangexesha elide kwaye uceba izinto ezifana nomhlalaphantsi. Ngaphambi kokuba wenze naziphi na izigqibo ezongezelelweyo ngemali yakho, kufuneka wenze isicwangciso semali ukuba unayo kakade.
Ukuba sele unayo, unokufuna ukulungisa iinjongo zakho. Unokwazi ukukhawuleza inkqubo kwaye ufikelele ngokukhawuleza.
Ukuhlawula amatyala akho
Ukuba unako ukuhlawulwa kwetyala ungayisebenzisa le mali ukuhlawula ityala lakho. Nangona kunjalo ukuba awuzibophezele ekuphumeni kwetyala, ngokupheleleyo ikhulu leepesenti zenzeke ngoko kufuneka utyalo ininzi yemali. Ngaphandle koko uya kukhwela ityala lakho emva kweminyaka embalwa kwaye awuyi kubakho nto yokubonisa ukuba i-windfall. Ukuba sele unesicwangciso sezimali esiqinileyo isinyathelo sokuqala kufuneka sibe ukuphuma kwetyala .Ukuba uhlawule amakhadi akho ekwereta, unokufuna ukuvala ii-akhawunti .
Yakha iNgxowa-mali yoMphathi
Emva kokuphuma kwetyala kufuneka udale ingxowa-mali engxamisekileyo malunga neenyanga ezintandathu zomvuzo wakho. Le mali kufuneka ifakwe kwi-akhawunti ephezulu yokugcina imali. Le mali kufuneka ifumaneke kuphela kwiimeko eziphuthumayo ezifana nokulahleka komsebenzi okanye ukuxakeka kwezonyango. Xa udibanisa kwingxowa-mali yakho engxamisekileyo, kufuneka uyizalise ngenzuzo yakho yenyanga. Zonke ezinye iindleko kufuneka uzicwangcise kwaye uzigcinele.
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Emva kokuba wenze oku kufuneka utyalo lonke imali . Indlela ekhuselekileyo nelula kakhulu yokutyalomali imali kukuba ukhethe iimali eziphathekayo ezifanelekileyo kunye nomvuno ophezulu wonyaka.
Kufuneka uxoxe nomcebisi wezemali malunga nokuba yiziphi iimali ozozikhetha. Unokufumana umcebisi wezezimali ngebhanki yakho okanye ngokudluliselwa kumhlobo. Iimali zengxowa-mali zixhaphaza umngcipheko kwii-stocks ezininzi, kodwa kufuneka udibanise utyalo-mali lwakho kwiintlobo ezahlukeneyo zeemali, kunye neentlobo zengxowa-mali kunye nokunciphisa ingozi.
Cinga ukuthenga ikhaya
Enye indlela yokuqwalasela ukuthenga ikhaya. Ukuba awuzange uthenge indlu ngaphambili le mali ingenza inkokhelo ephantsi kakhulu yekhaya okanye ukuyithenga ngokuthe ngqo. Unokukhetha ukutshala inxalenye enkulu yemali kwaye usebenzise enye yayo ekuhlawuleni. Ukuba uthengela ikhaya ngokucacileyo kufuneka utyalo imali leyo eya kuba yintlawulo yendlu yakho inyanga nganye ukuze ukwazi ukuqala ukwakhiwa kobutyebi. Ukongezelela ukuba nekhaya ngokuchanekileyo kunokukwenza imali oyifumanayo yokuhlawula nganye yenza okunye kwaye yenza kube lula ukongeza kutyalo-mali.
Unakekele uxanduva lwakho lwezeMali
Ukuba uzifumanisa uxanduva lomnye umntu ngokubambisana nomoya, umzekelo abazali bakho baya kudlula kwaye uba ngumgcini wabantakwenu, kufuneka ucebise kunye noxanduva lwabo engqondweni. Kubalulekile ukuqinisekisa ukuba iimfuno zabo zidibeneyo kunye neyakho ngokwentembeko okanye into efanayo. inokutshintsha kwakhona izicwangciso zakho zexesha elide kunye nezicwangciso zemfundo. Unokufuna ukubonisana nommeli kwaye usethe ukuthembela ngemali eya kunceda ukujonga iindleko zemfundo kwiintlawulo zakho. Ithemba linokukunceda ukukhusela imali, ingakumbi ukuba ayinokwenza ukhetho oluhle xa bebeneminyaka elishumi elinesibhozo ubudala.