Funda indlela yohlahlo lwabiwo-mali kuzo zonke iindleko zakho
Inkcazo yeNdleko eziHlomelo
Iindleko ezizinzileyo zibiza ixabiso elifanayo ngenyanga. Ezi zindleko azikwazi ukutshintsha lula kwaye zihlala zihlawulwa rhoqo, njengeveki nganye, ngenyanga, ngekota okanye ngonyaka.
Kulula kakhulu uhlahlo lwabiwo-mali kwiindleko ezizinzileyo kuneendleko eziguquguqukileyo okanye izindleko zokuqonda .
Iindleko eziqhelekileyo zendlu izindleko zokuthenga okanye ukuhlawulwa kweenqwelo, iintlawulo zeenqwelo, imirhumo yempahla kunye neepresimenti zomshuwalense. Ngelixa unako ukuguqula imali yakho yenyanga yokuhlawula imali ngokuhlaziya umbolekisi wakho okanye ngokubhenela uvavanyo lwakho lwerhafu lwepropati, le nto ayinanto elula.
Kuyafana ukuba uhlawula irente. Unokutshintsha le ntlawulo ngokufudukela kwikhaya elincinci okanye ukufumana umntu ohlala naye, kodwa ezi ziinguqu eziphambili zokuphila.
Intshuwalense yakho yempilo, inshuwalense yemoto , inshorensi yomshuwalense, kunye nabanini-propati okanye i- inshurensi ye-renters nayo yimizekelo yeendleko ezizinzile Uya kufuneka uchithe iiyure eziliqela uphando ngezinye izicwangciso zokutshintshwa kwezi mali zenyanga zokuhlawula.
Izinzuzo zokulondoloza imali kwiindleko eziHlomelo
Esi sifundo esiyinhloko apha kukuba, naphezu kwegama layo, iindleko "ezigxilwe" azikhethi zibekwe kwiitye. Ukuba ulahlekelwa ngumsebenzi wakho okanye ufune ukuqala ukugcina, ungachitha iiyure ezimbalwa ukukhawuleza iindleko zakho.
Ekubeni iindleko ezinqamlekileyo zimelela i-chunk enkulu yebhajethi yakho, imali oyilondolozayo kule candelo ingaba yinto eninzi.
Ukugcina imali kwiindleko ezizinzileyo kunesibini inzuzo: awuyi kuvakalelwa ngathi uyaphula impilo yakho. Ukuthenga ngeenxa yomshuwalense we-inshurensi yempilo okanye isicwangciso sefowuni esincinci kakhulu siya kufuna kuphela iiyure ezimbalwa zexesha lakho ngonyaka.
Xa sele ufumene le zithuthi eziphantsi kweendleko, uzakuzenzekelayo ukhetho olufanelekileyo kwibhajethi yakho yenyanga.
Ngamanye amazwi: ukunciphisa iindleko zakho eziziimali zenyanga zonke aziyi kuvakalelwa kukuba unobungozi ngenxa yokuba abaninzi abantu abacingi ngeendleko zabo zenyanga. Uza "uziva i-pinch" ngakumbi xa wenza izigqibo zemihla ngemihla njenge "Ngaba ndifanele ndiyidle kwindawo yokutyela ebusuku?" Okanye "Ngaba ndifanele ndithenge loo jeans?"
Inkcazo yeendleko eziguqukayo
Iindleko ezichaseneyo zimela ezo zigqibo zentsuku zonke ezifana nokutya kwindawo yokutyela, ukuthenga iimpahla, ukusela i-Starbucks, nokudlala igalofu kunye nabahlobo bakho.
Ezi ndleko azithathwa njengeziguquguqukayo ngenxa yokuba ziqondakala. Kunoko, "bayashintsha" ngenxa yokuba imali oyisebenzisayo iyahluka kwinyanga nenyanga.
Nangona iindleko ezininzi eziguquguqukayo ziquka ukuchithwa kwemali (ezifana neendawo zokutyela, i-Starbucks, kunye negalufa), ezinye iindleko eziguquguqukayo ziyimfuneko.
Uninzi lweentsapho, umzekelo, sichitha imali eguqukileyo kwimali nganye ngenyanga. Uninzi lwabantu luchitha imali eninzi ngenyanga nganye ngokubeka i-petroli kwiimoto zabo nokuhlawula imfuneko yokulungisa imoto nokulungisa.
Ukulondoloza kwiindleko eziguqukayo
Iindleko eziguqukayo ziqhelekileyo ngeendleko zokuqala abantu abazama ukuzisika xa zifuna ukuqala ukugcina imali .
Ngelishwa, iindleko eziguquguqukileyo nazo ezinye zeendleko ezinzima kakhulu ukuzinqanda, kuba kufuna ukuzibophezela kwimihla ngemihla.
Ukunciphisa iindleko ezinqamlekileyo, njengesicwangciso sakho sefowuni okanye iphakheji yekhebula, kufuna kuphela ukwenza isigqibo, kanye nokuhlala nesigqibo kwiinyanga eziliqela okanye iminyaka ezayo.
Ukunciphisa iindleko eziguquguqukayo, ngakwelinye icala, kufuna ukuba wenze izigqibo ezininzi imihla ngemihla malunga nokuba ungathengi izinto okanye uthathe inxaxheba kwimicimbi ethile.
Ngaphantsi
Ukuba ufuna ukuqala ukunciphisa iindleko, jonga kwiindleko zakho ezizimeleyo neziguquguqukayo. Ukubonelela ngoMgqibelo mva ukuhlaziya yonke imirhumo yakho, izicwangciso ze-inshorensi, kunye neendleko zenyanga zenyanga zingakunceda uqoke ama-dollar amakhulu kwi-budget yakho yenyanga.
Ukuba unokunciphisa ezinye iindleko eziguquguqukayo ngaphezu kweendleko zakho zenyanga zenyanga, uza kukhulula imali engaphezulu yokugcina umhlalaphantsi, ukwakha i-fund yexakeka , ukuhlawula ityala okanye utyalomali.