Indlela yokulawula ngcono imali yakho

Ebomini, akusoloko kulula ukulawula uhlahlo lwabiwo-mali kunye nemali, nokuba uthini na umvuzo wakho. Nokuba ungumfundi okanye ungumsebenzi omncinci, yinto efunekayo ingakumbi xa ukuphela kwenyanga kunzima. Kodwa oko akuthethi ukuba kufuneka ibe yintloko yokwenene. Ngoko, indlela yokulawula ngcono imali yakhe?

Imali yepokotho yindlela yokufumana inkululeko encinci: ayisenaxabiso ukucela abazali bakho ngokuzenzekelayo ukuba bathenge izinto ezithile ozifunayo okanye ozifunayo. Kodwa usafuna ukwazi ukuba ungayilawula njani… Nazi iingcebiso zethu!

Ngaphambi kokuba uqale ukonga imali nyanga zonke, kufuneka ube nombono ocacileyo wokuqukuqela kwemali yakho. Kweli nqaku, uya kukwazi yonke into malunga nokulawula imali yakho. Kodwa kuqala, yazi ukuba kunokwenzeka'tyala ngemali encinci.

Masihambe !!

🌿 Yintoni imali ngokwenene?

Into yokuqala yokuthetha ngemali kukuba yindlela yokutshintshiselana. Sinika imali njengembuyekezo yento ethile. Oku kukwabizwa ngokuba kukuthenga. Into yesibini yokuthetha ngemali kukuba yindlela esihlawula ngayo yonke into esiyithengayo: ukutya okuvela kwivenkile enkulu, iimpahla ezivela evenkileni okanye ukucheba kweenwele kwi-hairdresser.

Ukufumana ukuba yimalini into, kukho ixabiso. Oku kubonisa ukuba into ixabisa malini na. Ixabiso lelofu yesonka, umzekelo, liphantsi kakhulu kunelo lebhayisekile. Ibhayisekile ke ngoko ixabisa ngaphezulu kwesonka. Ukuba asinayo imali eyaneleyo yokuhlawula ixabiso, kufuneka songe.

Olona hlobo lwemali lubalulekileyo yimali. Yimali esinokuyibamba ngezandla zethu ngohlobo lweengqekembe kunye namatyala.

Kwezinye iimeko nathi sihlawula kunye ikhadi letyala okanye debit, kunye neeselfowuni zethu. Ngala singahlawula ngokuthe ngqo ngemali esiyigcina ebhankini. Uyilawula njani le mali ngokufanelekileyo?

🌿 Iingcebiso zolawulo lwemali

Xa kufikwa kulawulo lwemali, sonke sahluke kakhulu. Into ebalulekileyo komnye ayibalulekanga komnye. Yiyo loo nto ezinye iingcebiso ezidweliswe apha ziya kuthetha nawe kwaye abanye abayi kuthetha. Kukwaluncedo kwaye kuyakhuthaza ukuxoxa ngeengcebiso kunye namaqhinga okuphatha imali engcono kunye nabahlobo.

Kule modyuli sikunika uluhlu lwamacebiso ali-10 asebenzayo ngezimali zakho zobuqu.

✔️ #1. Cwangcisa iindleko zakho zenyanga

Umboniso bhanya-bhanya ocwangciselwe umhla we-14, usuku lokuzalwa lomhlobo wakhe osenyongweni ngomhla wama-23... Kunokwenzeka ukucwangcisa iindleko ezithile ukususela ekuqaleni kwenyanga! Izibalo zikuvumela ukuba wazi ukuba yimalini eseleyo, ngoko unokuzonwabisa kunye nabanye, ngaphandle koxinzelelo!

Ngendlela efanayo, ibhajethi yakho yenyanga iya kukuvumela ukuba ugcine iiakhawunti zakho kakuhle kwaye ufezekise iinjongo zakho, nokuba ichaphazela ubomi bakho bemihla ngemihla! Ndiza kukucacisela ngakumbi ngokulula ukuba zeziphi iingenelo zokuseka uhlahlo lwabiwo-mali lwenyanga nganye:

• Isiqinisekiso sokuhlawula onke amatyala akho ngenyanga nganye ;
• Ithuba lokuthetha ndlela-ntle kwi-ovadrafti yebhanki, wena umazi kakuhle;
• Ulonwabo lwe yiba nolungelelwano ngakumbi nokuqwalasela inkqubela yakho rhoqo;
• Inkululeko awusayi kuyijongisisa iakhawunti yakho yebhanki kwisicelo sakho esiphathwayo ukujonga apho ukhoyo;
• Okunokwenzeka kuwe nika ulonwabo oluncinci okanye ubekele bucala imali ngokufudumeleyo kwiigcino zakho;

Ithuba lokukwazi yenza iiprojekthi zakho zotyalo-mali (Thenga indlu okanye imoto yamaphupha akho, ubuyisele imali mboleko yakho, yiya eholideyini uye kwelinye icala lehlabathi, uqinisekise ikamva labantwana bakho, njl.njl.)

Akukho xesha libi lokuqalisa ukucwangcisa ibhajethi yakho yenyanga. Ngokubanzi, sikufumanisa kuluncedo ukwenza izibalo zethu ngamaxesha abalulekileyo onyaka anjengoSeptemba ngokuqala konyaka wesikolo okanye ngoJanuwari ukulungiselela kakuhle unyaka omtsha.

♥️ #2. Musa ukuzithathela yonke imali yakho

Nangona kusoloko kumnandi ukubona isipaji sakho sigcwele, kungcono ukushiya imali oyongileyo ekhaya kwaye uthathe kuphela into oyifunayo! Kuko konke ukunyaniseka, le yinto endihlala ndiyenza ngokwam. Oku kuya kukunceda uphephe ukuphulukana nazo okanye ukuba zibiwe. Ngaphaya koko, le ndlela yokwenza izinto iyakusindisa iindleko ezingeyomfuneko.

Sicebisa ukuba uhlale unayo imali yakho iindawo ezimbini ezahlukeneyo. Eyokuqala ngamahlelo amancinci, ukuhlawula iziselo, iindawo zokutyela kunye neeteksi, kunye nezinye iindleko ezibaluleke kakhulu.

Oku kuthintela ukukhupha amanqaku amaninzi nangaliphi na ixesha, kwaye ngaloo ndlela kutsala umdla wabaqokeleli. Ngokunjalo, sicebisa ukuba uthathe elinye lamakhadi akho etyala kwaye ushiye elinye ehotele okanye eofisini umzekelo.

Unokufumana kwakhona ngaphambi kokuba ushiye ibhanti yokufihla imali okanye mhlawumbi usebenze ngakumbi, ipokotho yesisu onokuthi uyibeke phantsi kwehempe yakho (kodwa kwakhona ethangeni okanye ngasemva).

Esinye isisombululo kukwenza ipokotho encinci engabonakaliyo ngaphakathi kweblukhwe yakho, ijezi, njl njl. musa ukubeka yonke imali yakho ndaweni-nye, kodwa yabeleni phakathi kwemicimbi yenu njengoko nibona kufanelekile.

✔️ #3. Zibekele usukelo lwemali olusengqiqweni

Kulula ukusebenzisa imali yakho njengoko unqwenela, ngelo xesha: iilekese kwindawo yokubhaka ngoMvulo, isicelo esitsha kwi-smartphone yakho ngoLwesithathu...

Ukuchaza amaphupha akho ekamva yeyona ndlela ilungileyo yokulawula ubomi bakho bezemali. Ukuba neenjongo ezicacileyo kuya kukunika umbono wexesha elide wemali yakho ngelixa kukuvumela ukuba ulinganise inkqubela yakho kunye nokufezekisa (ekugqibeleni!) impumelelo yemali oyifaneleyo.

Ukugcina imali ngempumelelo, kufuneka wazi ngokuthe ngqo ukuba kutheni ufuna ukonga imali. Injongo yakho yokonga inokunxulumana nokuthengwa kwekhaya elizayo, ukuqaliswa komsebenzi kwiakhawunti yakho, ukulungiselela uhambo olujikeleze ihlabathi, ukuxhasa ngemali imali yakho kaxakeka, njl.

Nokuba kutheni ufuna ukonga imali, kubalulekile ukuba uzichonge ukuze zisebenze. Emva koko, xa ezi njongo zichaziwe, kuya kufuneka uqikelele ukuba yimalini na oya kuyidinga ukufezekisa injongo nganye.

Kufuneka uchane kangangoko unakho ukuphepha izinto ezothusayo. Ngoko ke yenza uphando ngokuthenga kwakho ukuze yazi ukuba yimalini ekufuneka uyibekele bucala ukwazi ukuqalisa.

✔️ #5. Bhala phantsi iindleko zakho kwaye ugcine nobungqina bentlawulo!

Ukugcina umkhondo weendleko zakho kukuvumela ukuba ubone indlela oyisebenzisa ngayo imali yakho. Ewe, ekupheleni kwenyanga, ngamanye amaxesha iyamangalisa: asiqondi ukuba kutheni singenanto iseleyo. Neendleko ezincinci, xa zidibene, zingaba sisixa esikhulu...

Lo mgaqo usisiseko ukulityalwa rhoqo. Nangona kunjalo, ngokugcina iirisithi zakho kunye neerisithi zekhadi lebhanki kwaye ugcwalise ngononophelo iziqwenga zakho zetshekhi, ungasoloko uqinisekisa ukuba akukho mali ihlawuliswe ngokungalunganga kuwe.

Ukuba unawo nawaphi na amathandabuzo okanye awukhumbuli inkcitho edweliswe kwisiteyitimenti seakhawunti yakho, kufuneka uyifumane phakathi kwala maxwebhu. Kungenjalo, ungaziphikisa ezi ndleko ngokuqiniseka ngawe.

Ekugqibeleni, ngokugcina la maxwebhu, uyazi ngokulula ngakumbi iindleko osele uzenzile, eziya kukuvumela ukuba wazi izinto ezibalulekileyo ukuba unako ukuthenga okanye awukwazi.

✔️ #6. Misela umda wenkcitho ngeveki

Ufuna indlela elungileyo ukugcina imali ngokukhawuleza. Ukumisela umda ngeveki kuqinisekisa ukuba awuzifumani sele uchithe yonke imali yakho yepokotho phakathi enyangeni!

Zibekele umda wenkcitho kumakhadi akho okuthenga ngetyala okanye ebhanki. Oku kuya kukuthintela ekuchitheni imali eninzi kwaye kukukhuthaze ukuba uhlole izinto ozithenga mihla le kwangaphambili. Iibhanki ezininzi zibonelela ngale nkonzo.

Umzekelo, unokuseta imida yenkcitho yemihla ngemihla kwaye ukhethe ukuba ungayivumeli okanye ungayivumeli ukurhoxiswa kwe-ATM ngemizuzwana kwi-app yakho.

✔️ #7. Vula iakhawunti yebhanki

Ngokuba neakhawunti yebhanki, unokulandelela ngokulula iindleko zakho kwikhompyuter okanye kwifowuni! Ngokukhawuleza xa sifuna, sijonga ukuze sifumanise apho sikhoyo. Kwaye okungaphezulu, ukuvula i-akhawunti kulula kakhulu.

Ukuze wonge imali ngokukhawuleza, kuya kufuneka ukuba uyahlule imali oyisebenzisa kwiimfuno zakho zemihla ngemihla kwimali ozimisele ukuyigcina. Ukwenza oku, kuyimfuneko ukuvula i-akhawunti yokugcina imali.

Ngale ndlela, unciphisa umngcipheko wokungena kwiimali zakho zogcino ukuze uhlawule iindleko zakho zemihla ngemihla. Oku kuya kukukhuthaza ukuba ulandele ibhajethi yakho yemihla ngemihla ngelixa ugcina ugcino lwakho lukhuselekile.

✔ #8. Beka isixa ekuqaleni kwenyanga nganye

Obu buchule busenokubonakala bulula, ukanti bungafane busetyenziswe, ngoxa bunokuthwala isiqhamo ngokwenene! Umgaqo ? Misela imali ongayi kuyisebenzisa nyanga nganye: siyamkhusela, kwaye emva kwexesha sinemali eninzi esinebhongo ngayo kwaye sinokuzonwabisa ngayo! Eyona nto inzima kukungafumani zizathu zobuxoki ekuqaleni kwenyanga nganye ngokungazenzi…

Ukubeka imali ecaleni nyanga zonke sisisombululo esiqinisekisa ukuba uyakha ukonga kwaye ukwazi ukujongana nezinto ezingalindelekanga xa kufika ixesha. Kuyenzeka ukuba ubeke ezi mali zigcinwe kwincwadi yokupasa okanye kwii-akhawunti zokonga.

Ngelixa ihlala ikhona nangaliphi na ixesha, imali ehlawulwe kolu hlobo ifumana inzala ethi ngokuthe ngcembe yongeze kwinkunzi yokuqala. Eyona nto ifanelekileyo kukubeka Ugcino rhoqo ekuqaleni kwenyanga.

Nokuba akenzi njalo yimali encinci kuphela, zidityaniswe, oku kunokuvumela, emva kweminyaka embalwa, ukuba bazuze kwinkunzi kunye nempahla eluncedo kakhulu ekuqaleni ebomini. Kufuneka uzibekele usukelo oza kulufikelela, inyathelo ngenyathelo, ukubona iziphumo ezibambekayo kunye nezikhawulezayo.

♠️ #9. Yonga kwirenti yakho

Ukugcina imali yerenti yenye yeendlela ezikhawulezayo zokugcina imali nyanga nganye. Ukuba uhlala wedwa, enye yeendlela ezilula zokwenza oku ku ukwabelana.

Oku kuya kuyinqumla kwangoko irenti yakho ibe sisiqingatha, kwaye ukuba ukhetha ukuhlala nabantu ababini ohlala nabo, uya kuhlawula malunga nesithathu serenti yakho yangoku. Ke, ukuba ngoku uhlawula i-€ 1300 ngenyanga kwindlu enamagumbi amathathu kwaye ufumana umntu ohlala naye, uya kugcina i-650 € ngenyanga.

Ukuba sele uhlala kwindawo ekwabelwana ngayo, unokufudukela kwigumbi elincinane. Iirenti zibalwa ngokubanzi ngokusekelwe kwigumbi eliza kuqeshwa. Oku kuthetha ukuba unokwenza ugcino olubalulekileyo nyanga zonke. Ukongeza, kuya kukukhuthaza ukuba uphinde uthengise enye yefenitshala yakho, kwaye ikuvumela ukuba ufumane imali.

Ewe kunjalo, iindlela zokunciphisa irente yakho zixhomekeke kulungiselelo lwendlu yakho, iimfuno zakho kunye nendawo ohlala kuyo...

✔️#10. Ukuzikholisa

Kwaye ekugqibeleni ngemali efanele kwaye igcinwe, yonwaba! Ukulawula kakuhle uhlahlo lwabiwo-mali lwakho kukwathetha ukuba uzivumele ukutenxa okumbalwa kumaxesha ngamaxesha.

Asinakuchitha ixesha lethu siqinisa amabhanti ethu, ngaphandle kokushiya indawo yokuphumla kunye nokuzonwabisa. Injongo kukucwangcisa nokulawula ezi ndleko ngokunikela inxalenye encinane yohlahlo lwabiwo-mali lwakho lwenyanga kubo. Oku kukuvumela ukuba wonwabe ngaphandle kokuziva unetyala okanye ukuzisola ngokukrakra kwimizuzu nje embalwa emva kokuba wenze ezi ndleko.

Kodwa ngaphambi kokuba uhambe, nantsi indlela yokuphuma ematyaleni?