Umxholo
- 1. Yenza uhlahlo-lwabiwo mali lweendleko zenyanga
- 2. Yiba neakhawunti yokonga (ezimbini ngokwenene)
- 3. Hlawula amatyala akho
- 4. Yiya lula kumakhadi etyala
- 5. Yenza isicwangciso somhlala-phantsi kunye
Ngaba ayisiyonto inomdla ukuba xa kufikwa kumba wokucwangcisa imitshato yethu, siba nocoselelo olukhulu-ukuya ezantsi kumbala weentyatyambo esizifunayo kumsitho kunye nokuseta indawo kwindawo yolwamkelo.
Okwangoku, xa kufikwa kwimitshato yethu, uninzi lwethu alichithi phantse ixesha elininzi sicwangcisela ikamva lethu, nokuba lelasemoyeni, ngokobudlelwane, okanye nakwimali yomtshato.
Mhlawumbi yiloo nto uninzi lwabantu abatshatileyo bezifumana bekwindawo enzima xa belawula iimali zabo emva kokuba betshatile.
Kungenxa yokuba uthando alukho; Kungenxa yokuba akukho sicwangciso sisendaweni, izinto ziphela ziphuma kulawulo kangangokuba kunzima ukufumana indlela yokufumana ulungelelwano phakathi komtshato kunye nemali.
Kwaye xa kungekho luvo lokuzinza kubudlelwane, kunzima ukwazi ukuba wenzeni. Oku kunokuba yinyani ngakumbi xa kuziwa kwezemali emtshatweni.
Ukuba wena neqabane lakho nizifumene nisebunzimeni amaxesha amaninzi kunokuba beninokukhathalela ukubala, sifuna ukukunika iingcebiso zokucwangciswa komtshato ngendlela yoluhlu lokutshekisha umtshato.
Nazi nje izinto ezimbalwa zokwazi ngaphambi nasemva komtshato, ekufuneka uyenze ngengqondo qaphela inyanga nenyanga. Ngale ndlela, unokuhlala phambili kwimali yakho yomtshato ukuze ingapheli.
Ke ukuba uyazibuza ukuba ungazilawula njani ezemali emtshatweni? Okanye ungayidibanisa njani imali emva komtshato? Nalu uluhlu lokutshekisha lwezezimali omele ukuluthathela ingqalelo ekusingatheni imingeni yezemali emtshatweni.
1. Yenza uhlahlo-lwabiwo mali lweendleko zenyanga
Nangona besithi "ikhaya kulapho intliziyo ikhoyo," siqinisekile ukuba uya kuvuma ukuba ikhaya likwalapho indlu yakho ikhoyo.
Ngamanye amagama, ukukhuseleka ngokwezezimali, kubalulekile ukuba uqiniseke ukuba abo
konke okunye; unemali eyaneleyo ebekelwe bucala ukuhlawula iindleko zenyanga zekhaya.
Oku kubandakanya imali mboleko yakho / irente, izinto eziluncedo, i-inshurensi yendlu, kunye nemali eyoneleyo yokulungisa kunye nongxamiseko olunxulumene nekhaya.
Nje ukuba ube unoluvo olulungileyo malunga nokuba yeyiphi na ibhajethi yakho iyonke, zama kwaye ugcine kabini loo mali. Ngale ndlela, uya kuhlala unyathela phambili.
Ukwenza uhlahlo-lwabiwo mali lwasekhaya yenye yezona ngcebiso zibalaseleyo zokulawula imali emva komtshato.
Ezinye izibonelelo eziqhelekileyo zohlahlo-lwabiwo mali zibandakanya: ukucwangcisela okungcono ikamva, igunya elingaphezulu kwemali kunye neengxaki zomtshato, kunye nokunciphisa ityala lakho okanye ukuhlala ungenatyala.
2. Yiba neakhawunti yokonga (ezimbini ngokwenene)
Isibini ngasinye kufuneka sibe neeakhawunti ezimbini zokonga. Inye yingxowa-mali engxamisekileyo engekho ngaphantsi kwe- $ 1,500. Oku kunokukhathalela izinto ezingalindelekanga ezinje ngokuba imoto yakho iyonakala okanye nokuba uphulukana nomsebenzi kwaye ufuna intwana yomqamelo.
Enye iakhawunti enikezelwe kuphela emtshatweni wakho. Imali onokuyisebenzisa kwiholide efuneka kakhulu okanye oyisebenzisayo kusuku lwe-spa yothando kuni nobabini.
Ngaphandle kwesibonelelo esicacileyo sokufumana inzala kwimali oyigcinileyo, iakhawunti yokonga iya kungqina iluncedo ngokufikelela ngokulula kwimali, umda okanye umngcipheko, imali ifakwa ngokuzenzekelayo kwi-akhawunti yakho, kwaye ungasoloko uyidibanisa nokujonga kwakho nanini na ufuna.
Unokuzama nokudibanisa iimali ngaphambi komtshato endaweni yokudibanisa iimali emva komtshato; Ngale ndlela, unokuzikhusela ngakumbi nakweyiphi na into engalindelekanga kwixesha elizayo.
3. Hlawula amatyala akho
Phantse wonke umntu unohlobo oluthile lwetyala, kwaye kuya kufuneka ubeke imali ecaleni ukuze uhlawule. Nokuba yi- $ 25 kuphela ngenyanga ukuya kwityala, ngokuthumela imali kuyo, ubonakalisa abo ubatyalayo ukuba uthatha inyathelo lokuqala.
Kwaye kunokubenza bangaxeli kwi-ofisi yezamatyala, ehlala iluncedo. Kuya kunceda ukukhusela amanqaku akho etyala ekuchaphazelekeni ngoku nasemva koko.
Nokuba kukudibanisa iimali emva komtshato okanye utshatele ukhuseleko lwezezimali, nje ukuba wazi ukuphatha imali emtshatweni ukuhlawula ityala lakho kunokuba lula kwaye kube lula.
4. Yiya lula kumakhadi etyala
Ngaba kukho into ephosakeleyo ngokuba nekhadi lokuthenga ngetyala? Hayi. Ingxaki ingena xa uthembele kuphela kwezi kuya kufuneka uhlawulele izinto.
Amakhadi etyala akayimali. Ziyimali mboleko eziza ngohlobo lwamakhadi amancinci eplastiki. Oku kuthetha ukuba banomdla oqhotyoshelweyo.
Ke, kuya kufuneka uzisebenzisele ukubhukisha indawo, kwimeko kaxakeka okanye wenze ukuthenga okukhulu ngokwenene. Ngaphandle koko, imali ihlala ilungile.
Eli cebo linye lilodwa linokukusindisa amawaka eedola kwaye likugcine ungaphandle kwetyala lemali elizayo.
Ukuthintela ukuchitha ngaphezulu kwikhadi lakho letyala, khumbula oku kulandelayo:
- Zikhumbuze ukuba ekugqibeleni kuya kufuneka uyihlawule.
- Kuphephe ukusebenzisa amakhadi etyala amaninzi.
- Phambuka kude ekuthengeni okungeyomfuneko.
- Sukuvumela umda wekhredithi unyanzelise inkcitho yakho.
- Ukuthenga ngosuku olunoxinzelelo-shiya ikhadi lakho letyala ekhaya.
Bukela kwakhona: Ungalonyusa njani kakhulu inqaku lakho letyala (Isicwangciso sexesha elifutshane)
5. Yenza isicwangciso somhlala-phantsi kunye
Zininzi iingxelo ezipapashiweyo ezibonisa ukuba abantu abaninzi abalindelanga ukuthatha umhlala-phantsi. Hayi kuba bengafuni kodwa kuba bengenakukwazi.
Ukuba uziva ngathi wena kunye nesiqingatha sakho babini kwaba bantu, akukho xesha linje ngoku lokubeka isicwangciso somhlala phantsi kunye. Kukho ubutyebi bolwazi kwi-intanethi olunokuhamba ngamanyathelo.
Akukho nto injengokuphila ubomi bakho ngoku, kwaye iyamangalisa ngakumbi xa usabelana ngamava akho nalowo umthandayo.
Kodwa eyona nto imangalisa ngakumbi kukwazi ukuba ngokulandela olu luhlu lokutshekisha lwezezimali olulula, unokuqinisekisa ngekamva elikhuselekileyo ngokwezezimali kwaye uqhubeke uphila ngokugqibeleleyo.