Lo mgaqo-lwabiwo-mali ungakunceda ugcine izinto eziphambili kuzo, kwaye uguquguqukayo, oku kuthetha ukuba awuyikuchitha yonke ipesenti ezingamashumi amahlanu kwizinto ezibalulekileyo, ngoko unokubanika ukuba izinto zakho eziphambili kwiimali okanye iinkqubo zakho zokukhetha izinto zokuphila. Kubalulekile ukuqonda indlela nganye yezi zigaba zidibene ngayo njengoko uhlola uhlahlo lwabiwo-mali.
Ukuqonda okubalulekileyo
Izinto eziyimfuneko zibandakanya iimfuno zakho ezisisiseko okanye iimfuneko. Kuloluhlu, uya kubandakanya irenti yakho okanye i-mortgage yakho, iindleko zokuhamba (inkokhelo yemoto, i-inshurensi, imali yegesi), izixhobo zakho (umbane, amanzi kunye nokushisa), kunye neendleko zokutya (kodwa ungadli ngaphandle). Ukuphazamiseka kukuhluke kwinqanaba leemfuno zakho zemveli. Kubalulekile ukuba ungadibanisi izinto ozifunayo kunye nezinto zakho zokunethezeka xa uhlahlo-mali ngale ndlela.
Ukuqonda iziPhambili
Izinto ezibalulekileyo zizinto ezikukhokelela kwiinjongo zakho zemali.
Kubalulekile ukuba neenjongo zemali kungakhathaliseki ukuba yeyiphi na isigaba. Ukuba unzima ukuza neenjongo ezithile zemali, unokufuna ukuceba isicwangciso sezemali esingakunceda ukuba udale umhlalaphantsi kumhlalaphantsi , ubunikazi bekhaya okanye ubutyebi bokwakha. Ezi njongo zingabikho kokuphuma kwetyala kunye nokugcina izizathu ezithile.
Kufuneka ubeke ubuncinane iipesenti ezingamashumi amabini kulezi njongo. Nangona kunjalo, ukuba ityala lakho (ngokukodwa ityala lamatyala ekhredithi kunye netyala lomboleko lomfundi) lenza kube nzima ukugubungela iindleko zakho eziphambili, unokufuna ukulungisa le pesenti uze ufumane imeko yakho phantsi kolawulo.
Ukuqonda iindlela zokuphila
Kule bhajethi, ufanele uchithe iipesenti ezingamashumi amathathu eziseleyo ukuba uthathe umvuzo kwikhaya ngokukhetha indlela yokuphila. Oku kuya kubonakala kuba ithetha ukuba unemali engenamacala okuchitha imali kwizinto ozithandayo. Kubalulekile ukuqonda zonke izinto ezihambelana naloluhlu. Ipesenti ezingamashumi amathathu zingabonakala ngathi yinxalenye enkulu yebhajethi yakho, kodwa ingasetyenziswa ngokukhawuleza. Olu hlobo luya kufaka izinto ezifana nokujoyina ubulungu, ukutya ngaphandle, ithelevishini ye-cable, iindleko zokuzonwabisa, iindleko kunye nezambatho.
Ukuphunyezwa kohlahlo lwabiwo-mali
Lefilosofi ayikukunceda ukulawula imisebenzi yakho yohlahlo lwabiwo-suku, njengokulandelela iindleko zakho. Kufuneka ukhethe inkqubo yohlahlo lwabiwo-mali ukwenza loo nto. Nangona kunjalo, oku kunokukunceda ukuba ulinganise imali yakho kunye nezinto zakho eziphambili. Ukuba uzama ukubeka ubuncinane ipesenti ezingamashumi amabini yengeniso yakho kwiinjongo zakho ngenyanga, ungaqala ukubona inkqubela yangempela.
Ungayisebenzisa kunye nezinye iifilosofi zesabelomali njengebhajethi yesabelo-mali.
Njengoko ubeka uhlahlo lwabiwo-mali lwakho nyanga zonke, unokwahlula isixa-mali kwiindidi nganye ukuze ubone ukuba uhamba ngokulandela le ntanda. Ukuba uchitha imali kunye nezinto eziphambili kukubhaliweyo, ungathatha amanyathelo okuzilungisa. Unokufumanisa ukuba kufuneka usebenze ekufumaneni izinto ezibalulekileyo, ukuze usebenze kwizinto eziphambili. Ukuba unesixa esikhulu semali, kuya kufuneka ulungelelanise imali oyichithayo nganye kule mimandla emithathu uze ufumane phantsi kolawulo.
Kubalulekile ukukhumbula ukuba ukulawula uhlahlo lwabiwo-mali kwaye ukwenza ukuba lusebenze lunokukunceda ukuba ufinyelele iinjongo zakho zemali. Uhlahlo lwabiwo-mali luyindlela efanelekileyo kakhulu yokwenza imali unayo umsebenzi kuwe. Ukuba awuzange uhlahloye imali ngaphambili, kufuneka uqale ngokukhawuleza.
Uhlahlo lwabiwo-mali lwenza umgudu, kodwa lunokukunceda uxinzelele uxinzelelo lwezezimali kwaye wenze ukulawula imali yakho kulula kakhulu.