Nazi izinto ezi-9 IBhajethi yakho kufuneka ibe nayo
1. Iimpawu ezichanekileyo zokuchitha
Nangona iifom zokusebenzela zebhajethi zingaba luncedo oluncedo ekukhokheni uhlahlo lwabiwo-mali, esinye isikhokelo saloo mntu sihloselwe ukuba sikhoyo, isikhokelo. Iintlobo zenkcitho okanye iindleko zoluhlu zingenakulungele ngokupheleleyo imeko yakho okanye imithwalo yokuchitha imali, okanye unokuba nezinye izibophelelo zemali ezingabhalwanga nhlobo.
Qinisekisa kwaye ucingisise xa udala uhlahlo lwabiwo-mali . Zama ukuphendula yonke into oyisebenzisayo imali ukuze ube nomfanekiso ochanekileyo wokuqala kwakho. Unokuphuma kuphela kwimisebenzi yokuhlawula ibhajethi into oyifakayo.
2. Ukunqongophala kwemali
Ngendlela efana nokuchaneka kwiinkalo zakho zokuchitha, uya kufuna ukuqiniseka ukuba unamacandelo aneleyo okanye iinkcukacha zokwenza uhlahlo lwabiwo-mali lube luncedo kuwe. Ngelixa ungafuni ukuya ngaphaya kwexesha, ngamanye amaxesha ukuphula iindidi zeendleko eziqhubekayo kunokukunika umfanekiso ongcono xa uhamba khona nemali yakho kwaye apho unokukwazi ukunciphisa iindleko ozifunayo. Ngokomzekelo, izikhokelo ezininzi zohlahlo lwabiwo-mali zidibanisa zonke iinkonzo zakho kunye, kodwa unokuba ufuna ukugcina i-bill yakho yefowuni okanye icebo lwedatha ehlukileyo ngenxa yokuba uyazi ukuba unokwehla xa ufuna. Qinisekisa ukuba awunamanzi kwiinkcukacha.
3. Iiprojekti zeNgeniso ezichanekileyo
Ukuchaneka kukuthi kufuneka kubhajethi, kungekhona nje ukuqikelela ukuba uzakuchitha phi na ukulandelela ubuninzi obuyichithayo, kodwa kunye nengeniso yakho.
Uhlahlo lwabiwo-mali luya kuxhomekeka ekuchanekeni yimihlaba yonke, oku kuthetha ukuba kufuneka ulandele imali enoba uza kuyichitha imali engakanani, kungekhona nje ukuba ungakanani na owenzayo okanye ucinge ukuba uya kwenza. Musa ukulibala ukuthawula irhafu kunye nezinye iinqununu (njengeminikelo yomhlalaphantsi yomqeshi). Ukuba ingeniso yakho ingelula kwiprojekti, soloko ungaphantsi kwengeniso yakho kunye neendleko zakho.
Kungakumbi kunokuba ufumene ukuba uhamba phambili kunemva kwezemali.
4. Ukufakwa kweeNkcitho ezingeziNyanga
Xa udala uhlahlo lwabiwo mali, kulula ukuba uhlale unamathele kwi-mindset yenyanga, kodwa ungakulibali ukuquka ezo ndleko ezinokuthi zenze enye enye ngekota, kabini ngonyaka, okanye kanye kanye ngonyaka. Khumbula ukuphendula ngeendleko ezingekho ngeenyanga ezifana nokugcinwa kwemoto rhoqo okanye irhafu yepropati. Ukuqinisekisa ukuba uyi-akhawunti ngalezo zindleko, unako ukuhlawula inani kwaye uhlahlule ngo-12 ukufumana umlinganiselo wenyanga. Ngoko nangona akudingeki ukuba wenze intlawulo yenyanga, uyaqinisekisa ukuba unokuphuma kwemali ukufihla indleko xa kuvela.
5. Inkcazelo yeNgcaciso yokuSindisa
Uhlahlo lwabiwo-mali lufanele lugcine ukugcina imali njengendleko, kungekhona nje ngoko kwenzekayo kunye "neleyo" okanye imali ephumayo, ukuba kukho na. Kodwa ukhathalela imali efana neendleko, uyaqinisekisa ukuba unika isandla kuyo yonke into efunekayo. Unokufumana umgca wendawo yokugcina imali okanye ukuyikhupha kwiindidi ezinjenge " ngxowa-mali yangxamisekileyo " kunye "nezinye imali."
6. Ukulandelela Inkcitho Echanekileyo Yenkcitho
Nangona akudingeki ukuba ulandele yonke idola uchitha phantsi kwi penny (nangona asiyi kukuxelela ukuba awufanelekanga!), Kufuneka uzame ukuchaneka ngokuchanekileyo ngedatha yemali.
Imali yokuchitha imali yinto evuzayo kakhulu kwiibhajethi ezininzi . Inkcitho iyalala ngokukhawuleza kwaye xa ungabhali phantsi yonke into oyisebenzisayo, uya kuba nokubukeka okuphosakeleyo kwindleko yakho kunye nalapho imali yakho iya khona.
7. Iinjongo eziBhaliweyo
Le yinto enkulu, kwaye ayiyona inxalenye yebhanjethi ezininzi. Nangona iinjongo zemali ebhaliweyo ayikho into efunekayo yohlahlo lwabiwo-mali kwaye ayifakiwe kwiiform sheet ezininzi zeebhajethi, zibaluleke kakhulu ekucwangciseni izicwangciso zezemali, okuyiyona nto uzama ukuyiqonda ngayo ibhajethi yakho. Uhlahlo lwabiwo-mali alufanelekanga nje ngokulandelela iindleko zakho, kufuneka kube malunga nokubeka iinjongo zemali. Ngokusekela iinjongo ezinokwenene njengokulondoloza imali yokuhlawula phantsi indlu, ukuthenga imoto entsha , ukuphuma kwetyala, ukugcina umhlalaphantsi, ukubeka abantwana bakho kwikholejini, okanye nokuba nebhajethi yokuhamba, unokuqala ukufumana iindlela zokuzisindisa abo iinjongo kwaye ukhangele indlela osondele ngayo ukudibana nabo.
Iinjongo zinokuba ngumthombo omkhulu wokukhuthaza ukuchitha imali yakho. Esikhundleni sokujonga uhlahlo lwabiwo-mali kwaye ungaboni indawo yokubiza ixabiso elibizayo yonke imihla yeveki, unokubona imali isethelwe eceleni into enkulu. Ekugqibeleni, ngaphandle kweenjongo, uhlahlo lwabiwo-mali luyi-pair of handcuffs, kwaye akukho mntu ufuna loo nto.
8. Ukuphononongwa rhoqo kunye nokulungiswa
Ngelixa ubuninzi bezinto ezidlulileyo kwisabelo-mali esiyimpumelelo zizinto ezifanele zifakwe kuhlahlo lwabiwo-mali ngokwawo, zikhona nezenzo kunye nezenzo ezihamba kunye nokudala nokugcina uhlahlo lwabiwo-mali. Enye yezo zinto zihlaziywa rhoqo. Uhlahlo lwabiwo-mali aluyilo luhlobo lwe-set-and-forget-it. Kufuneka uhlolisise uhlahlo lwabiwo-mali kunye nenkcitho yenyanga rhoqo ukuze ulandele inkqubela yakho kodwa kwakhona ukuze ulungelelanise, ukuba kuyimfuneko. Awunakukwazi ukufumana uhlahlo lwabiwo-mali lwama-100% ngokufanelekileyo ngexesha lokuqala kwaye, njengoko kunjalo, ubomi buguquka. Ukuhlaziywa rhoqo kwezigaba ukuchonga ukuba ufuna ngaphezulu okanye ngaphantsi, ukuhlaziywa kweendleko kunye nokucingisisa ngeendlela zokunciphisa iindleko kwinqanaba ngalinye liyinxalenye ebalulekileyo yohlahlo lwabiwo-mali.
9. Isimo sengqondo esihle
Ekugqibeleni, kodwa kungabi ncinane, bonke abahlahlobibi abaphumeleleyo bafikelela kwiibhajethi zabo ngesimo sengqondo esifanelekileyo. Uhlahlo lwabiwo-mali lube nzima kwaye lube lukhuni, kodwa kuyimfuneko yokuphumelela ngemali. Yiba nesimo esihle kwaye uhlale ushukumisekile, uya kuhamba kakuhle endleleni yakho yokufezekisa iinjongo zakho zezimali!