Umxholo
- Ulawulo lwemali kwizibini ezitshatileyo
- Yiba selubala
- Xoxa ngokubaluleka
- Yabelana ngoxanduva
- Jongani ityala njengesibini
- Ukwenza uhlahlo-lwabiwo mali
- Zibekele iinjongo
- Ukulandelela inkcitho yakho yangoku, ukulungisa iimfuno zomntu ngamnye
- Yenza isicwangciso sohlahlo-lwabiwo mali
- Ezinye iingcebiso zolawulo lwemali
- Ukubeka phambili ukonga, yakha ingxowamali engxamisekileyo
- Yenza iakhawunti enye ngokudibeneyo
- Yenza iakhawunti eyahlukileyo
- Ziqhelise
Ukulawula imali yakho njengesibini sesinye sezona zigqibo zibalaseleyo zemali onokuzenza emtshatweni wakho. Kwaye, unxibelelwano olusebenzayo ludwelisa uluhlu lweengcebiso kulawulo lwemali.
Ukucwangciswa kwemali emva komtshato kunokuba sisihloko esichukumisayo kodwa, ukuba nengxoxo yemali kukunceda wakhe ubudlelwane obomeleleyo kwaye nihlale kakuhle njengesibini.
Ulawulo lwemali sisakhono ekufuneka usifunde kunye. Ke, fumana ipeni, hlala phantsi neqabane lakho, niqhubeke nala macebiso okuphatha imali esenzele abantu abatshatileyo.
Ulawulo lwemali kwizibini ezitshatileyo
Njengoko besitsho, ukusilela ekucwangciseni kukucwangcisa ukusilela. Kuyinyani ngokukodwa emtshatweni nakwezemali.
Umahluko onxulumene nemali wenza uxinzelelo olukhulu kubudlelwane. Ke. Kufuneka ube nohlahlo-lwabiwo mali kwaye ufunde ukulawula imali yakho ngaphambi kokuba yenzeke le nto.
Ukwenza uhlahlo-lwabiwo mali yenye yezona ngcebiso zibalulekileyo kulawulo lwemali njengoko ivumela isibini silawule indlela ezahlulahlula ngayo iibhili.
Akulunganga ukwahlulahlula i-50-50 ukuba ingeniso yakho iphindwe kabini kwiqabane lakho. Kuyafana ukuba omnye uxanduva lwezezimali ngaphezulu komnye.
Esinye isizathu sokulawulwa kwemali kwizibini kukukunceda ukuba ulandelele iinjongo zakho njengesibini. Nokuba ufuna ukufikelela kwinkululeko yezemali, uthathe umhlala-phantsi kwangethuba, okanye wakhe usapho, ungakwenza oku kwenzeke ngohlahlo-lwabiwo mali kunye.
Umtshato, ngapha koko, awudibanisi amagama akho okugqibela kuphela kodwa udibanisa noxanduva lwakho, okt iimali zakho, ukuze ukwazi ukoyisa kunye.
Ukucwangciswa kwezemali kwizibini ezisandul 'ukutshata: Uqala phi
Yiba selubala
Ingcebiso yokuqala kulawulo lwemali kwizibini ezitshatileyo kukucaca ngayo yonke imicimbi yezemali kubandakanya ityala, iindleko ezikhoyo, uxanduva losapho, njl.
Zama ukuqonda indlela abacinga ngayo imali kunye nixoxe ngendlela nobabini enikhuliswe ngayo malunga nemali.
Ngokwenza le ncoko, ungabona iiflegi ezibomvu onokuzijongisa kwangoko.
Vumelanani ngokwazisa malunga nezigqibo zezemali ukusukela ngoku. Yenza isigqibo esifanayo ukubuza imvume yomnye nomnye ngaphambi kokuthenga izinto ezinkulu.
Xoxa ngokubaluleka
Nokuba nitshatile, ninokuba nezinto eziphambili ngokubaluleka kwezemali.
Umntu omnye unokulunga ngokuphila ngexabiso eliphantsi ukuze abe nolondolozo olukhulu ngelixa abanye befuna ukuchitha kwizinto abazonwabelayo ngolondolozo olwaneleyo lokufumana. Omnye usenokuyigqala imali njengenqabiseko ngoxa omnye eyinto abanokuyonwabela.
Ingcezu yeengcebiso zezemali eziphambili kwizibini ezitshatileyo kukuba kulungile ukuba bangabikho kwiphepha elinye kodwa bafunde ukuhlala kunye nokulalanisa.
Ukuba umntu utyibilika kwiindawo zokutyela uninzi lweveki, yilinganisele kube kanye okanye kabini. Ungavuma ke ngokupheka ekhaya endaweni yokuhlawula amakhulu ngesidlo esinye.
Cinga ngokuxoxa ngokubaluleka njengeyona ndlela ilungileyo yokubambana njengesibini.
Yabelana ngoxanduva
Nokuba utshatile, usenokuzibophelela kuxanduva lwezezimali olufana nenkxaso yomzali okanye isifundo somntakwenu. Amathuba kukuba, neqabane lakho, nalo.
Inxalenye ebalulekileyo yeengcebiso zokulawulwa kwemali ukuqala kokwabelana ngoxanduva. Kufuneka nincedane ukuze nibe nobomi obonwabisayo nobusempilweni emtshatweni.
Jongani ityala njengesibini
Ukuhlawula ityala kuthatha ubuchule kwaye kuyinxalenye ebaluleke kakhulu kulawulo lwemali kwizibini ezitshatileyo.
Yenye into yokuhlawula iindleko zenyanga kunye nokubeka bucala imali yokuhlawula ityala kunye nenye into yokuthatha isigqibo sokuba ungadibanisa ityala lakho kwaye ulihlawule njengesibini.
Xoxa ngendlela oza kuliphatha ngayo ityala nokuba uza kulihlawula kunye okanye omnye angathwala inkcitho ukuze iqabane labo lihlawule amatyala abo.
Zimbini iindlela ezithandwayo zokuphatha ityala: ibhola ekhatywayo yamatyala kunye nendlela yamatyala.
Zombini zifuna ukuba udwelise lonke ityala lakho ukusuka kwelona lincinci ukuya kwelona likhulu ngelixa ucinga ngokuthatha inzala.
Kwindlela yokwahlulwa kwetyala, wenza intlawulo encinci kuwo onke amatyala kodwa uphinde uhlawule imali eninzi kwityala elinenzala ephezulu kuqala.
Iingcali zemali zithi indlela eyiTyala lamaTyala yeyona ndlela yokujongana namatyala. Ukuphelisa ityala elinenzala ephezulu kukusindisa imali ekuhambeni kwexesha.
Nangona kunjalo, abanye abantu baphulukana nenkuthazo ekusingatheni ityala. Yiyo loo nto indlela yamatyala ekhephu apho uhlawula khona elona tyala lincinci kuqala ngaphandle kwenzala.
Le ndlela igxile ngakumbi ekwakheni inkuthazo. Xa ubona ityala lakho lisiya liba mbalwa, uya kukhuthazeka ukuba uligqibe.
Ukwenza uhlahlo-lwabiwo mali
Zibekele iinjongo
Ngaphambi kokuba uqale ngohlahlo-lwabiwo mali lokwenyani, kufuneka usete iinjongo. Xoxani ngosukelo lwenu njengesibini, kwaye nabelane ngosukelo lwenu olubandakanya imali.
Ngaba uzama ukuhlawula onke amatyala akho kuqala? Ngaba ubufuna ukuthenga ikhaya lakho? Ngaba uceba ukuba nomntwana nangaliphi na ixesha kungekudala?
Ukuba utshatile okwethutyana, ngaba ucinga ngokuthenga imoto entsha? Ngaba ubufuna ukutyala imali?
Ke enye ingcebiso ebalulekileyo yolawulo lwemali kukuba, xa usenza isicwangciso sohlahlo-lwabiwo mali, yiba nenjongo engqondweni.
Ukulandelela inkcitho yakho yangoku, ukulungisa iimfuno zomntu ngamnye
Misela indlela ochitha ngayo imali ngoku. Kwaye, iyinyani kubo bobabini abatshatileyo.
Ngaba inegalelo kwiinjongo zakho zobuqu? Ngaba iyaninceda njengesibini?
Ngaba kukho iindleko onokuzinciphisa? (Njengecappuccino onokuyenza ekhaya endaweni yokulahla ngeStarbucks yonke imihla)
Nangona isicwangciso-qhinga sokunciphisa iindleko ezithile, kukwabalulekile ukujongana neemfuno zomntu ngamnye.
Cwangcisa inani elilinganayo lemali nganye uze uyibize ngegama elithi "indlela yokuphila." Umfazi unokuba luhlahlo-lwabiwo mali. Kumyeni, oku kungasela-budget-buddies budget.
Ukuba nebhajethi kuzo zombini iindlela zokuphila kukugcina ujongile.
Yenza isicwangciso sohlahlo-lwabiwo mali
Dwelisa phantsi zonke iindleko zekhaya ukuya kwipesenti yokugqibela.
Ukuba eli lixesha lokuqala uhlahlo-lwabiwo mali, ungoyiki ukungabinayo imali echanekileyo yerenti okanye yokubambisa, ukutya, izinto eziluncedo, amatyala efowuni, njl.
Kwinyanga yakho yokuqala, vele ubeke uqikelelo. Ukuba unako, qokelela onke amatyala akho kwinyanga ephelileyo ukuze ubone inani elisondeleyo.
Qinisekisa ukuba umvuzo wakho wenyanga unokuhlawula zonke iindleko zakho zenyanga. Ngoku, ukuba ufumana inani elilinganayo, kulungile. Ukuba kuninzi okuseleyo, kungcono ngakumbi.
Ukubekela bucala inxenye yokonga ngaphambi kokuba uthathe iindleko zakho zenyanga yeyona nto ilungileyo.
Izandi zilula, akunjalo?
Ewe, ukuba awutshatanga. Kodwa izibini, hayi kakhulu.
Yiyo loo nto kubalulekile ukuba ube nomthombo omnye wedama lemali, njengeakhawunti edibeneyo oya kuyisebenzisela inkcitho efanayo. Zininzi ii -apps zohlahlo-lwabiwo mali ezisetyenziselwa ukusebenzisa kule mihla.
Vavanya ukuba yeyiphi esebenziseka lula kwaye kulula ukuyisebenzisa kuni nobabini.
Ezinye iingcebiso zolawulo lwemali
Ukubeka phambili ukonga, yakha ingxowamali engxamisekileyo
UDave Ramsey, enye yeengcali zezezimali ezaziwayo, uthi ukungabinayo ingxakeko yengxakeko yinto engxamisekileyo.
Kuthekani ukuba imoto yakho yonakala? Kuthekani ukuba uyagula? Ungathini xa uphulukana nomsebenzi? Le yimizekelo nje yongxamiseko ekufuneka ucwangcisile.
Ukuba nesibambiso semali kukuyekisa ekufumaneni ityala elininzi kwaye kukusindise kwiindleko ongazilindelanga onokudibana nazo.
Ngokufanelekileyo, kufuneka usete ingxowa-mali engxamisekileyo yokukugcina iinyanga ezi-3-6 zokuchitha kwemali.
Ingxowa-mali yakho engxamisekileyo njengesibini inkulu kunaxa wawusenza uhlahlo-lwabiwo mali lomntu omnye.
Kodwa into elungileyo malunga noku kukuba ungafikelela kwinjongo yakho yengxakeko ngokulula kuba kukho nobabini enisebenza ukuyigcina.
Ukuba ucinga ukuba kuyakuthatha ixesha ukufikelela kwiinjongo zakho zengxowa-mali engxamisekileyo, idini lesidlo kwiivenkile zokutyela unciphise ukubhaliswa, cwangcisa ukutya kwakho, njl.
Yenza iakhawunti enye ngokudibeneyo
Iakhawunti edibeneyo yindlela elula yokufikelela kwiingxowa-mali zomnye nomnye, ngakumbi xa kuchithwa kwinkcitho efanayo njengokutya, irente okanye imali mboleko, njl.
Nokuba ngubani ofumana umvuzo ongaphezulu, izibini zifumana iakhawunti ngokudibeneyo ukuze zibe nezixhobo zokuhlawulela iindleko ezifanayo. Ukudibanisa imali yakho kunye kuyanceda ekubeni nembono ekhonkrithi yolondolozo lwenu njengesibini.
Inokukunceda ubone ukuba uphi ekufezekiseni iinjongo zakho-nokuba kukuthenga indlu, imoto entsha, okanye ukuba ugcine imali eyaneleyo yokuhamba.
Ukuba omnye wenu akayiboni inzuzo okanye isidingo sokwenza iakhawunti ngokudibeneyo, setha uhlahlo-lwabiwo mali lwasekhaya ukuhlawula zonke iindleko zekhaya.
Oku kufuna ukuba wahlule iindleko zakho kwaye ufumanise ukuba ngubani ohlawula iindleko.
Yenza iakhawunti eyahlukileyo
Ukuba neakhawunti edibeneyo, kwizibini ezithile, yenye yeempawu zomqondiso zomtshato wabo. Kodwa kwezinye izibini, iiakhawunti ezidibeneyo azenzi ngqondo.
Nokuba uyile iakhawunti edibeneyo, kuya kufuneka ubeneeakhawunti ezahlukileyo kwimali yakho.
Ukuba neeakhawunti ezahlukileyo kukunika ukhuseleko xa kusenzeka izinto ezingathandekiyo. Iiakhawunti ezidibeneyo ziyingxaki xa izinto ziphuma ezandleni njengokuzahlula okanye uqhawulo-mtshato.
Ngeeakhawunti ezahlukileyo, usenokugcina inkululeko kwimali yakho, kwaye awunyanzelekanga ukuba uthethelele zonke iindleko zakho.
Unokwenza oku okoko nje usenza uxanduva lwakho njengeqabane.
Ziqhelise
Akukho mthetho unzima kwaye ukhawulezayo ngayo nayiphi na kwezi ngcebiso zolawulo lwemali njengoko iimfuno nezinto eziphambili zitshintsha rhoqo.
Ke, ukuba awuzifezekisi ezi ngcebiso zolawulo lwemali kwaye ulandela uhlahlo-lwabiwo mali lwakho kule nyanga, unenyanga elandelayo yokuphucula.
Zama de ugqibelele izakhono zakho zohlahlo-lwabiwo mali. Ukukwazi ukuchitha kwizinto ozonwabelayo nokwazi ukuba unayo imali oyichithayo kuko okwenza uhlahlo-lwabiwo mali lube mnandi ngakumbi.
Ngokukodwa njengesibini, ungonwabela ubusuku bakho bomhla kwiivenkile zokutyela ezibizayo okanye uhambe phesheya ngaphandle kokukhathazeka ngemali yenyanga ezayo kuba uyigcinele yona.