Yintoni ongayenza xa unayo iMithetho eYilwayo

Ixabiso apha, ikhadi elitsha lekhredithi apho. Phinda le nkqubo kunye nento elandelayo uyazi ukuba unayo imithwalo yeebhilikhwe ukuhlawula nganye inyanga kwaye ingabi nemali eyaneleyo yokuzihlawula zonke. Ukuba uninzi lweebhilidi imeko evuthiweyo yokutshatyalaliswa kwemali. Ukuba awuyi kutshintsha into ngokukhawuleza, iingxaki zakho zemali ziya kuba zibi kakhulu; Ukunyusa umvuzo wakho inyanga nganye ngenye yeendlela zokuchitha imali ezinokukhokelela kwiitaliti , ingakumbi ukuba usebenzisa amakhadi akho ekhredithi ukuze uzalise ikhefu.

Ukuphelisa ezinye zeebhili ihlala isisombululo esihle.

Thatha iNgcaciso yeeMithetho zakho

Qala ngokwenza uluhlu lwazo zonke iindleko zakho. Ungazami ukwenza konke ngememori; mhlawumbi awuyi kukukhumbula zonke iindleko ozihlawulayo ngenyanga. Sebenzisa iingxelo zakho zenyanga ukuze uncede ukuqala uluhlu. Ukuba ubhalisele ukuhlawula i-paperless, phrinta ingxelo kwi-intanethi. Ukuphonononga i-akhawunti yakho yokukhangela ukuze ubone ukuba yiyiphi iindleko ozihlawulayo nganye inyanga ukuzalisa nayiphi na iindleko oye waziphosa. Uluhlu lunokuba lukhulu, kodwa ungakhathazeki. Le nyathelo elifunekayo ekunciphiseni nasekuxininiseni ubomi bakho bezezimali.

Uluhlu, ngelixa ludla ixesha lokutya, luya kuba luncedo ekuncedeni ukuba ufumane iindleko zakho phantsi kolawulo. Unokuba uhlawula izinto ongazange uzibone ukuba uyazihlawula, umz. Ukubhalisa ukhohliwe ukukhansela okanye iinkonzo ongazisebenzisiyo.

Qalisa ukuLawula iiBill zakho

Ngaba zikhona iinkonzo onokuzihlanganisa?

Ngokomzekelo, unokufumana umnikazi wendawo, umzenzelo, kunye nezinye iibhorensi kwiinkampani enye? Mhlawumbi unokubamba intambo yakho, intanethi kunye nefowuni? (Okanye ulawule ifowuni yekhaya bonke, ngakumbi ukuba wonke umntu osendlini uneselfowuni.) Ukuba wonke umntu ohlala kwindlu isicwangciso esithile seeseli - kunye nomntu omnye wenza iintlawulo - cinga ukuhamba kwisicwangciso seentsapho.

Unokusindisa imali ngokuhlanganisa izicwangciso.

Unako ukudibanisa izilinganisi ezininzi zekhadi lokuthenga ngetyala ngokudlulisela ibhalansi okanye ezimbini ukuya kwikhadi elilodwa lekhredithi. Kufuneka ube nekhredithi ekhoyo yokukhupha le nto.

Lahla ezinye iiBill

Ngaba kukho iindleko ozihlawulayo? Unokuba neefayili ezincinci ezinokuthi uhlawule kuphela. Kuya kuba yinkonzo yexeshana elifutshane ebaluleke kakhulu kwixesha lakho elide.

Ngaba kukho ezinye iindleko oza kuzilahlela? Cinga zonke iinkonzo zakho eziqhubekayo zenyanga kunye nobulungu. Kukho ezinye zezi zinto onokuzinqumla ukuze wenze lula iibill zakho kwaye ugcine imali, ingakumbi ukuba ungayisebenzisi. Ezinye iingcamango zento ongayichitha ngayo: umabonakude we-cable, i-radio yomsakazo, umsakazo we-Premium kwi-intanethi (umz. Pandora okanye i-Spotify), iiklabhu zebhokisi zenyanga, iintlawulo zemagazini, njl njl.

Xha ga mshelana nabantu obafaneleyo

Ukuba uthe wadlulela ngenxa yeebhilidi kwaye awukwazi ukubanjwa ngokukhawuleza, qha ga mshelana ukuba uxoxe ngezinto ozikhethayo. Akuyinkqubo elula, kodwa unokumangaliswa ukuva ukuba iinkampani ezininzi zikulungele ukusebenza nawe. Ngokomzekelo, unakho ukuhlawula imali yakho yangaphambili ngenxa yeenyanga eziliqela okanye ukuhlawulwa kwemali yakho yokugqibela.

Yenza iMali Engaphezulu

Awunakho ukukwazi ukulawula imali engaphezulu kwimisebenzi yakho yangoku, kodwa qwalasela ukufumana umsebenzi wexeshana ukuze uncede ukuhlawula iindleko zakho.

Unokwenza imali eyongezelelweyo kwi-hobby, ngokubonelela ngenkonzo, ukuthengisa izinto, okanye ukuqala ishishini.

Gwema i zizathu

Oku mhlawumbi iyona nyathelo ebalulekileyo kunazo zonke. Xa lixesha lokulahla iindleko, thintela ukuba "Andikwazi ukulahla ___________ ngenxa yokuba ." Ukuba unayo iindleko ezininzi, kufuneka uvumele ezinye zazo zihambe. Yinto elula. Ukulinganisela isizathu sokuba ugcine iinkonzo ezingadingekile akuyi kunceda. Kufuneka wenze izigqibo ezinzima kunye nemihlatshelo enzima xa ufuna ukuba imeko yakho yezemali ibe ngcono.

Ukuthi "awukwazi" ukwenza into ebeka kuyo kwindawo yokungazinamandla kwaye ushiya ukuba awukwazi ukwenza nantoni na. Kodwa, xa utshintshe ingqondo yakho, uzixhobisa ukuba wenze utshintsho oluyimfuneko ukuze ungene kwindawo engcono yezemali. Xa uthi "Ndiyakwazi" kunokuba "andinako," uyeka ukwenza izizathu kwaye uqale ukuza kunye nezinye iindlela.

Ukuba unenkathazo yezemali, into eyona nto ungayenza uhlala ngaphandle. Iimali zakho aziyikuzilungisa. Kunoko, kukuya kuwe ukuthatha ulawulo kwaye uphendule imeko yakho yezezimali.