Mhlawumbi uvile imiqathango enjengemali engenayo, imali engenayo, imali engeniso , ukuhlawula ekhaya, kunye nemali engenayo. Kodwa ngaba uyayazi ukuba yintoni inqaku ngalinye libhekiselele, kokubili kwintetho kunye nempilo yakho yezemali? Kwaye ukuba ungekho, unokuqhubela phambili njani ngebhajethi eyiyo engqondweni? Siphulaphula into enokuyithatha ingeniso-engenayo-nangaphantsi.
Yintoni engenakho ukufumana imali?
Ukubeka ngokukhawuleza, imali engenayo iyimali oyishiye kuyo kwimvuzo wakho emva kokuba uhlawule irhafu, urhulumente kunye neerhafu zendawo.
Kwakhona kubizwa ngokuba yinzuzo engenayo, okanye ingeniso yomntu ngamnye olahlayo (DPI).
Ingeniso ephuculweyo nayo ibaluleke kakhulu kwezoqoqosho. Akunjalo nje kuphela kwezona zinto ziyi-determinants ezinkulu zokuchitha imali yabathengi, kwakhona ngowomnye wezinto ezi-5 zokumisela . Ukuba ngaba ufuna i-Econ 101 yokuvuselela (akunjalo sonke?), Imfuno "yintoni impahla kunye neenkonzo ezithengwa ngamaxabiso athile ngexesha lexesha elithile." Ngamafutshane, ingeniso engakanani efunyanwa ngumntu ( phakathi kwezinye iimeko) njani imali eyichitha kwiimpahla kunye neenkonzo.
Yintoni engenakucingwa njengeNgeniso eLawulayo?
Kodwa musa ukuchitha yonke ingeniso yakho engenayo nje okwamanje. Ingeniso ehlawulwayo ayiyi kudideka ngemali engenayo. Imali engenayo yokuzikhethela ithatha inyathelo elongezelelweyo: yilokho oshiye ngaphezu kokuba uhlawule irhafu, irhafu kunye neendawo zendawo, kodwa oko ushiye emva kweemfuno ezifana nokuqashisa, iintlawulo zakho zokubolekwa kwemali, ukunakekelwa kwezempilo, ukuthutha kunye nezambatho.
Ingeniso yokuqonda ingasetyenziselwa ukutya, ukutshala imali, ukuhamba, kunye nayiphi na enye into engeyimfuneko okanye iindleko. "Imali yakho yokuzonwabisa," imali onokuyisebenzisa kwizinto ongenakuzifuna ngokwenene unetyala elinganiselwe, ukwazi ukuba ezinye iindleko zinyamekelwa.
Indlela yokuhlawula imali oyiNgeniso yakho eLawulayo
Akukho mfihlelo ukuba kufuneka ube nebhajethi, kwaye oko kusebenza ngokukodwa kwimali yakho engenayo.
Nangona kukho iintlobo ezahlukeneyo zohlahlo lwabiwo-mali: umthetho we- 50/30 /20 , inkqubo ye-imvulophu , indlela ye- 80/20 , uhlahlo lwabiwo-mali oluqhelekileyo, nokuba "uhlawule okokuqala" indlela, ihlaselwa kwiimeko zeemeko kwaye ukukhetha xa ukhetha indlela oyisebenzisayo. Emva kwakho konke, akukho nto yokuba uhlahlo lwabiwo-mali ukuba awuyi kubambelela kuyo okanye ayiyiyo ingqiqo yakho yokuphila okanye imeko.
Eminye imibuzo ekufuneka uyiqwalasele ngaphambi kokukhetha uhlahlo lwabiwo-mali: Ngaba unayo mboleko? Amatyala ekhadi lesikweletu? Ngaba uyakuthanda ukugcina imali yakho yokugcina imali, okanye ingabe unokutshala imali yakho eyongezelelweyo kwaye ugcine ubuncinane benkcitho yamanzi? Ingaba ungumqhubi okanye umgcini? Udla kaninzi? Ngaba uthanda ukuhamba rhoqo okanye ungowabantu basekhaya? Ingaba unayo inkcitho eninzi okanye uthanda ukuba yintengiso ekuthengeni kwakho?
Emva kokugqiba iinjongo zakho eziphambili zezimali, unako ukufumana uhlahlo lwabiwo-mali olusebenza kakuhle kuwe. Kwaye xa uzalisa uhlahlo lwabiwo-mali, ungalibali le bhasikijethi yebhajethi engabikhoyo .
Indlela yokukhawula ukuLahla okanye ukuchitha imali ngokuCacisa
Kodwa masithi amanani awanakongeza. Kusenokuba ixesha lokuphinda uphinde uhlalutye indlela osebenzisa ngayo imali kwaye unqande apho ungakwazi khona.
Zama eli phepha lokusebenzela ukuze unqumle ukusetyenziswa kwemali. Emva koko, ngentcazo, iyichitha kwizinto onokuyenza ngaphandle koko.
Zama ezi ngcebiso ukuze unciphise uhlahlo lwabiwo-mali: zidibanisa iindleko zokugcina imali kwi-gas, ukumisa okanye ukunciphisa ukutya ngaphandle, ukuhlawula amatyala ngokukhawuleza ukuba ugcine imali kwimali, uthenge ukutya kwizinto ezininzi kwivenkile ye-club njenge-Sam Club okanye i-Costco, okanye ukunciphisa i-bill bill ngokukhetha ipakethe engabizi. (Ngokuchasene nenkolelo eninzi, awuyidingi i- HBO.)
Ezinye izinto ezichanekileyo ezichanekileyo onokuzicima ngaphandle kokubandakanya zibandakanya ukuba ubulungu bokuzivocavoca obungasetyenziswanga, u-manicure manicure / pedicure okanye olunye unyango lwe-spa
Ngaba Unani Lakho Longeza?
Iingcali ezininzi zithi ziyimfuneko (ukuhlawula okanye ukuhlawulwa kwemali, ukutya, iintlawulo) kufuneka zilandele kuphela i-50 ekhulwini zebhajethi yakho, ngelixa ukuchithwa kwemali kuqikelele kwi-30 ekhulwini okanye ngaphantsi.
Iipesenti ezingama-20 ezisele zimele zisetyenziselwe ezinye iinjongo zemali, njengokuhlawula amatyala , ukusindisa okanye ukutyalomali.
Nangona le njongo ingaba yinto ephakamileyo kakhulu, zama ukufikelela kule nombolo njengoko unako. Ixesha lakho elizayo liya kukubulela.