Iimfihlo zokuhlawula amatyala akho

Ukuba unamatyala amaninzi, awuwedwa. Ngenxa yengxaki ye Covid-19, abantu abaninzi baye baphelelwa ngumsebenzi baza basematyaleni ngakumbi kunanini na ngaphambili. Enyanisweni, amatyala anokutshabalalisa amaphupha akho emali kunye nobomi bakho bobuqu.. Enoba unebhalansi encinane kwikhadi lakho lokuthenga ngetyala nyanga nganye okanye ujongene nentaba yezibophelelo zemali, ityala likwenza ungaqhubeli phambili.

Ukuhlawula amatyala kunye neekhredithi kufuna ukuzinikela, ukuzimisela kunye nokunyamezela. Nanga amanye amacebiso ahlakaniphileyo okukunceda ukuba ulahle amatyala akho ngokukhawuleza.

Iingcebiso ezi-10 yembuyekezo

1. Yeka ukusebenzisa amakhadi okuthenga ngetyala

Ukuba ucinga ngendlela yokuhlawula amatyala akho ngokukhawuleza, qala ngetyala lakho. ikhadi letyala. Amakhadi okuthenga ngetyala adla ngokuphathwa awona mazinga aphezulu enzala kwaye inokuthumela ibhalansi yakho ngaphandle kolawulo.

Inyathelo lokuqala kukuyeka ngokupheleleyo ukusebenzisa amakhadi akho okuthenga ngetyala. Okukhona utyibilika, kokukhona ibhalansi inyuka. Nokuba uqhubeka nokusebenzisa ikhadi lakho, kuphephe ukuthembela kwizinto ezifana nokukwazi ukuthatha imali ngaphambi kokuba uyihlawule.

Ngokungafaniyo nokukhupha imali kwi-akhawunti yakho yebhanki ngekhadi lokutsalwa kwetyala, ikhadi letyala letyala lemali elivela ngaphambili lidla ngokukubiza umrhumo ophezulu wemali phambi kwebhanki kunye nenzala ephezulu. Ngaphezu koko, iintlawulo zenzala ziqala ukuqokelelana kwangoko, ngokwesiqhelo ukusukela ngomhla othatha ngawo imali-mboleko.

Ngaba unengxaki yokuyeka? Zama ukukhenkceza amakhadi kwikomityi yomkhenkce. Ngelixa unokufikelela kuyo kwakhona, ngethemba lokuba uya kube utshintshile ingqondo yakho malunga nokuchitha.

2. Hlawula kangangoko unako ngenyanga nganye

Indlela yokuhlawula amatyala ngokukhawuleza ibandakanya izibalo ezilula. Okukhona uhlawula ngakumbi, kokukhona uya kukhululwa ngokukhawuleza kwizibophelelo zakho. Musa ukwenza intlawulo encinci ngosuku ngalunye olumiselweyo, okanye iya kukuthatha ngonaphakade. Ngokuqinisekileyo, ukudala ingxowa-mali yongxamiseko kufuneka kube yinto ephambili.

Kodwa wakuba ulufikelele olo sukelo, sebenzisa zonke iimali onazo ukuze uhlawule ityala lekhadi okanye imali mboleko yabafundi. Okukhona uhlawula ngakumbi, kokukhona uya kukhululwa ngokukhawuleza kwizibophelelo zakho.

Ngaba ulondoloze imali kwivenkile yokutya ngokufumba iikhuphoni kwiintengiso? Sebenzisa imali oyigcinileyo ukuhlawula amatyala akho. Ngaba usebenze ixesha elongezelelekileyo kwiveki ephelileyo? Faka ingeniso eyongezelelweyo kwityala lakho.

3. Hlawula amatyala akho nge-rukunciphisa iindleko zakho

Kulula ukuthetha kunokwenza, ezingezizo ? Inyathelo lokuqala lokunciphisa inkcitho yakho kukwazi ngokuthe ngqo apho iya khona imali yakho nyanga nganye. Zibuze: Ngaba imali yakho uyisebenzisa ngokuyintloko kwizinto ozifunayo okanye kwizinto ozifunayo?

Bhala phantsi iindleko zakho kwaye uzahlule zibe ziikholamu ezimbini. Ngokucacileyo, iindleko ezifana namanzi, umbane, igesi, okanye iifizi zesikolo zabantwana bakho kufuneka zibe kwikholam yeemfuno, ngelixa i-cable TV, uhambo lwakho olulandelayo lokuphumla, ikofu yakho yeDaily Starbucks okanye isidlo sakho sangokuhlwa kwindawo yokutyela oyintandokazi yaseTaliyane kufuneka zidweliswe kuluhlu lwesibini. .

Okokuqala, chonga eyona mikhwa uyixabise kakhulu kwaye ufumane iindlela zokuyinciphisa okanye ukuyiphelisa ngokupheleleyo. Emva koko, ngokucothayo kodwa ngokuqinisekileyo, fumana iindlela zokunciphisa ezinye iindleko zakho, kwanezo ucinga ukuba ziyimfuneko.

Umzekelo: Ngaba ukhe wathelekisa amaxabiso eenkonzo zefowuni kubaboneleli abahlukeneyo ukufumana eyona ifikelelekayo? Ugcino oluya kuthi luqokelele ngokuhamba kwexesha luya kukunceda ukuba uphume ematyaleni ngokukhawuleza okukhulu.

Jonga kakuhle apho iya khona imali kwaye wahlule izinto eziyimfuneko kwizinto ezifunwayo. Kulumkele ukundwendwela yonke imihla kwikhefi yendawo okanye kwindawo oyithandayo yesidlo sasemini. Ngokuhamba kwexesha, olu londolozo lunokongeza. Zisebenzise ukugrumba umngxuma ngokukhawuleza kunokuba bekulindelwe.

Ukuba unengxaki ekucingeni ukuba zeziphi iindleko onokuzinciphisa, qalisa ngokuseta uhlahlo lwabiwo-mali. Sebenzisa isoftware efana Ufuna uqingqo-mali ukukunceda uchaze izinto eziza kuqala kwinkcitho yakho.

Inkonzo efana billcutterz inokukunceda uthethe namatyala aphantsi enyanga kwaye ukhulule imali eninzi ukuze uthathe amatyala.

4. Phinda kabini iintlawulo zakho

Sivuyisana nawe ukuba uhlawule ikhadi elinye lokuthenga ngetyala! Nangona kunjalo, ukuphumeza loo njongo akuthethi ukuba lixesha letheko. Gcina umfutho uqhubeka ngokwaba imali ehlawulweyo kweli tyala esele ikhululiwe ukwenza iintlawulo kwibhalansi elandelayo ye-intanethi.

Ikhadi lokuthenga ngetyala, xa lisetyenziswa ngenkathalo, liyindlela entle yokwakha ityala, likuncede uhlangabezane neendleko ezingalindelekanga, kwaye uxhase ishishini lakho ngemali.

Kodwa kufuneka wenze konke onako ukuhlawula ibhalansi yekhadi lakho letyala ngokupheleleyo nyanga nganye. Ukuqhela ukugcina ibhalansi ephantsi, sebenzisa ikhadi lakho lokuthenga ngetyala ngokungathi likhadi lebhanki, umisela intlawulo ezenzekelayo yokuhlawula ibhalansi yakho nyanga nganye.

5. Sebenzisa izivumelwano ukuhlawula iintengiso

Ukuba ufumana i-windfall ngequbuliso, njengembuyekezo yerhafu okanye ibhonasi emsebenzini, musa ukukrazula kuyo. Endaweni yoko, luma ibhulethi kwaye usebenzise enye yeemali ukuhlawula ityala.

Enye yeendlela eziqinisekileyo zokuhlawula ityala lakho ngokukhawuleza kukusebenzisa imali oyifumana ngokungalindelekanga. Ngokomzekelo, xa ufumana ibhonasi yomsebenzi ngomsebenzi okhethekileyo okanye ukuvala isivumelwano esibalulekileyo. Iinkampani ezininzi zikhupha iibhonasi phakathi enyakeni nangeKrisimesi.

Ngaba uye wanyuselwa umvuzo? Beka imali eyongezelelweyo nyanga nganye ukuze uhlawule ityala lakho. Ukuba uneshishini lakho, inzuzo inokuba yimbuyekezo yerhafu okanye izaphulelo zentengiso ozifumana kumaqabane akho. Ngamafutshane, nanini na unomthombo owongezelelweyo wengeniso, musa ukuwuchitha ngokuthanda kwakho kwaye uwusebenzise ukuhlawula ityala lakho.

6. Ukukhululeka ukufumana imali eyongezelelweyo

Xa ujonge ukuhlawula amatyala ngokukhawuleza, musa ukugxila kakhulu ekongeni imali. Ngamanye amaxesha esona sisombululo sikhawulezayo kukufumana ingeniso engakumbi. Zama isandla sakho kwi-freelancing ukufumana iirandi ezimbalwa ezongezelelweyo.

Kwezinye iimeko, usenokukwazi ukwenza isixa esikhulu semali, yonke loo nto kufuneka ingene kwingxowa-mali yokuhlawula amatyala. Jonga iimarike zamafreelancers afana ne-Fiverr, okanye ucinge ngokusebenzisa imoto yakho ukufumana imali ngokuqhuba inkonzo yokuhambisa njengePostmates.

7. Jongana namatyala anenzala ephezulu kuqala

Nangona abanye befunga ukuba eyona ndlela yokuhlawula ityala yindlela ye-snowball-ebonisa ukuba uhlawule amatyala ngeebhalansi eziphantsi kuqala ukwakha amandla - yenza ingqiqo yemali ngakumbi ukucima loo matyala ngenzala ephezulu kuqala. THE eyona njongo kukuhlawula ityala ngokukhawulezat, nangona kunjalo, ukhetho lolwakho.

8. Yenza uqingqo-mali lwakho

Ukuba ufunde ukuza kuthi ga ngoku, uthatha ukuhlawula amatyala akho ngokukhawuleza kakhulu. Esinye sezona zicwangciso zingcono onokuzisebenzisa kukwenza uhlahlo lwabiwo-mali olulula, ilula kwaye ilula.

Uhlahlo lwabiwo-mali ludlulela ngaphaya kokwahlula izinto ozithenga ngenyanga zibe yile nto uyidingayo kunye nento oyifunayo, njengoko bekuxoxiwe ngaphambili. Uhlahlo lwabiwo-mali olubhaliweyo luya kukunceda uhlalutye ngokuchanekileyo apho imali yakho iya khona nyanga nganye kwaye ikunike isicwangciso senkcitho unyaka wonke.

Uya kukwazi ukubona ngokulula ngakumbi injongo yakho (kwimeko yakho, ukwaba imali eninzi yokuhlawula amatyala akho de ube uwahlawule ngokupheleleyo) kwaye ungaphambuki kule njongo. Jonga eli nqaku ukuze yazi indlela yokucwangcisa uhlahlo lwabiwo-mali lwakho.

9. Lwamkele ucelomngeni ngesimo sengqondo esihle

Inyaniso yeyokuba awudingi ukuyeka ezona zinto zintle ebomini nokuba uzimisele ukuhlawula amatyala akho ngokukhawuleza. Sukuzincama ngolu celomngeni. Yijonge njengotshintsho olulungileyo kwindlela yakho yokuphila kunye nemikhwa emibi emidala.

Oku kunokukhokelela kwindlela esempilweni, elungeleleneyo. Ngaba ulilungu lejimu ebiza imali eninzi? Rhoxisa umrhumo wakho kwaye udlale imidlalo epakini okanye ngaphandle.

Ngaba udla ngokuphuma uye kwisidlo sangokuhlwa ngeempelaveki kwindawo yokutyela yodidi? Funda ukupheka iiresiphi zakho ozithandayo ekhaya. Ngaba iingxowa zomyili kunye nezihlangu zingumnqweno wakho? Unokufumana izinto ezifanayo kakhulu kwi-intanethi ngamaxabiso aphezulu. Konke isizathu esingakumbi sokuyeka.

Olu hlengahlengiso aluyi kuba nefuthe elihle kuphela kwimpilo yakho, kodwa nakwi-wallet yakho. Uya kumangaliswa ukuba yimalini onokuyigcina ukuhlawula ityala lakho ngokukhawuleza.

10. Thengisa yonke into ongayifuniyo

Uninzi lwethu lugcina izinto esingafane sizisebenzise. Ezinye izinto ongasazisebenzisiyo zingabaluleka – zama ukuzithengisa. Ungasebenzisa imali eqokelelweyo ukuhlawula amatyala akho ngokukhawuleza.

Intengiso yegaraji eqhelekileyo yenye yeendlela ezingabizi kakhulu nezilula zokuthengisa izinto ofuna ukuzisusa, okanye ungayenza kwi-intanethi: i-eBay, iCraigslist, i-Etsy okanye i-LetGo zezinye zezona qonga zidumileyo kule njongo.

Isishwankathelo…

Ezi ngcebiso ezili-10 sele zisebenzele abaninzi kwimeko efana neyakho. Ukuba uvakalelwa kukuba amatyala akongamela, cinga ukuba ayisosiphelo sehlabathi yaye yonke into inesicombululo.

Kuya kufuneka ube nesibindi sokuya kwaye uhlalutye imeko yakho ethile, kwaye usebenzise iindlela ezisebenza kakuhle kuwe phakathi kwezo zikhankanywe apha. Ukuhlawula amatyala akho kunokufuna ukuba wenze utshintsho oluthile kwindlela yokuphila, kodwa akunyanzelekanga ukuba kudandatheke.

Ukuba unengxaki yokuziqhelanisa neemeko ezintsha, phumeza utshintsho oluthe chu ukuze inkqubo ingabi nzima kakhulu.

Kuzo zonke iinkxalabo zakho, ndishiye uluvo.