Ungayiphatha kanjani imali yakho kangcono

Empilweni, akulula ngaso sonke isikhathi ukuphatha ibhajethi yakho kanye nezimali, kungakhathaliseki ukuthi uhola malini. Noma ngabe ungumfundi noma isisebenzi esincane, kuyinto edingekayo ikakhulukazi uma ukuphela kwenyanga kunzima. Kodwa lokho akusho ukuthi kufanele kube ikhanda langempela. Ngakho, indlela yokuphatha kangcono imali yakhe?

I-pocket money iyindlela yokuthola ukuzimela okuncane: akusafaneleki ukucela abazali bakho ngokuzenzakalelayo ukuthi bathenge izinto ezithile ozifunayo noma ozidingayo. Kodwa usadinga ukwazi ukuthi ungayiphatha kanjani... Nanka amathiphu ethu!

Ngaphambi kokuthi uqale ukonga imali nyanga zonke, udinga ukuba nombono ocacile wokugeleza kwezimali zakho. Kulesi sihloko, uzokwazi konke mayelana nokuphatha imali yakho. Kodwa okokuqala, yazi ukuthi kungenzeka‘tshala ngemali encane.

Asambe !!

🌿 Iyini imali ngempela?

Into yokuqala ongayisho ngemali ukuthi iyindlela yokuhwebelana. Sinikeza imali ngokubuyisela okuthile. Lokhu kubizwa nangokuthi ukuthenga. Okwesibili okufanele sikusho ngemali ukuthi yindlela esikhokha ngayo yonke into esithenga ngayo: ukudla kwasesitolo esikhulu, izingubo zasesitolo noma ukugunda izinwele komlungisi wezinwele.

Ukuze uthole ukuthi yimalini into ethile, kukhona inani. Lokhu kukhombisa ukuthi into ibiza malini. Intengo yesinkwa, isibonelo, iphansi kakhulu kunaleyo yebhayisikili. Ngakho-ke ibhayisikili libiza ngaphezu kwesinkwa. Uma singenayo imali eyanele yokukhokha inani, kufanele songe.

Uhlobo lwemali olubaluleke kakhulu ukheshi. Yimali esingayibamba ngezandla zethu ngezinhlamvu zemali kanye nezikweletu.

Kwezinye izimo siphinde sikhokhe nge amakhadi esikweletu noma edebhithi, ngisho nomakhalekhukhwini bethu. Ngalokhu singakhokha ngqo ngemali esiyigcina ebhange. Ngakho uyiphatha kanjani le mali ngempumelelo?

🌿 Amathiphu okuphatha imali

Uma kuziwa ekuphathweni kwemali, sonke sihluke kakhulu. Okubalulekile komunye akubalulekile komunye. Kungakho amanye amathiphu abhalwe lapha azokhuluma nawe kanti amanye ngeke. Kuyasiza futhi futhi kuyakhuthaza ukuxoxa ngamathiphu namasu okuphatha imali kangcono nabangane.

Kule mojula sikunikeza uhlu lwamathiphu angu-10 asebenzayo ngezezimali zakho.

✔️ #1. Hlela izindleko zakho zenyanga

Ibhayisikobho ehlelelwe umhlaka-14, usuku lokuzalwa lomngane wakhe omkhulu ngomhlaka-23... Kungenzeka ukuhlela izindleko ezithile kusukela ekuqaleni kwenyanga! Izibalo zikuvumela ukuthi wazi ukuthi yimalini esele, ukuze ujabule nabanye, ngaphandle kokucindezeleka!

Ngendlela efanayo, isabelomali sakho sanyanga zonke sizokuvumela ukuthi ugcine ama-akhawunti akho kahle futhi ufinyelele imigomo yakho, noma ngabe ithinta impilo yakho yansuku zonke! Ngizokuchazela kabanzi kalula ukuthi yiziphi izinzuzo zokusungula isabelomali sakho sanyanga zonke inyanga ngayinye:

• Isiqinisekiso sokukhokha zonke izikweletu zakho inyanga ngayinye ;
• Ithuba lokusho usale kahle kwi-overdraft yasebhange, omazi kahle kakhulu;
• Ubumnandi be bahleleke kakhudlwana kanye nokubheka intuthuko yakho njalo;
• Inkululeko ye awube usayihlolisisa i-akhawunti yakho yasebhange kuhlelo lwakho lokusebenza lweselula ukuze uhlole lapho ukhona;
• Okungenzeka ngawe nikeza izinjabulo ezincane noma ukubeka eceleni imali ngokufudumele emalini oyilondolozile;

Ithuba lokukwazi yenza amaphrojekthi akho wokutshala imali (thenga indlu noma imoto yamaphupho akho, buyisela imali oyibolekile, hamba uye eholidini kwelinye izwe, uqinisekise ikusasa lezingane zakho, njll.)

Asikho isikhathi esibi sokuqala ukuhlela ibhajethi yakho yanyanga zonke. Ngokuvamile, sikuthola kuwusizo ukwenza izibalo zethu ngezikhathi ezibalulekile zonyaka njengoSepthemba ngokuqala konyaka wesikole noma uJanuwari ukuze silungiselele kahle unyaka omusha.

♥️ #2. Ungazithatheli yonke imali yakho

Nakuba kuhlale kumnandi ukubona isikhwama sakho semali sigcwele, kungcono ukushiya imali oyilondolozile ekhaya futhi uthathe lokho okudingayo kuphela! Eqinisweni, yilokho engivame ukukwenza ngokwami. Lokhu kuzokusiza ukuthi ugweme ukulahlekelwa yizo noma ukuthi zebiwe. Ngaphezu kwalokho, le ndlela yokwenza izinto iyakusindisa izindleko ezingadingekile.

Sikweluleka ukuthi uhlale unemali yakho izindawo ezimbili ezahlukene. Eyokuqala enamahlelo amancane, ukukhokhela iziphuzo, izindawo zokudlela namatekisi, kanti enye ngezindleko ezibaluleke kakhulu.

Lokhu kugwema ukukhipha inqwaba yamanothi nganoma yisiphi isikhathi, futhi ngaleyo ndlela kudonse ukunaka kwamapokhethi. Ngokufanayo, sikweluleka ukuthi uhambe nelinye lamakhadi akho esikweletu bese ushiya elinye ehhotela noma ehhovisi njengesibonelo.

Ungathola futhi ngaphambi kokushiya ibhande elifihla imali noma mhlawumbe elisebenza kangcono, iphakethe lesisu ongalifaka ngaphansi kwehembe lakho (kodwa futhi ethangeni noma ngemuva).

Esinye isixazululo ukuthi iphakethe elincane elingabonakali lithungelwe ngaphakathi kwebhulukwe lakho, ijezi, njll. Ngokuvamile, ungabeki yonke imali yakho endaweni eyodwa, kodwa yabeleni phakathi kwezindaba zenu ngokubona kwenu.

✔️ #3. Zibekele imigomo yezezimali enengqondo

Kulula ukuzitika ekusebenziseni imali yakho ngendlela ofisa ngayo, ngaleso sikhathi: amaswidi endaweni yokubhaka ngoMsombuluko, uhlelo olusha ku-smartphone yakho ngoLwesithathu...

Ukuchaza amaphupho akho esikhathi esizayo kuyindlela engcono kakhulu yokulawula impilo yakho yezezimali. Ukuba nemigomo ecacile kuzokunikeza umbono wesikhathi eside wezimali zakho kuyilapho kukuvumela ukuba ulinganise inqubekelaphambili yakho futhi uzuze (ekugcineni!) impumelelo yezezimali oyifanele.

Ukuze ulondoloze imali ngempumelelo, udinga ukwazi kahle ukuthi kungani ufuna ukonga imali. Inhloso yakho yokonga ingase ixhunywe ekuthengeni indlu yesikhathi esizayo, ukwethulwa komsebenzi ku-akhawunti yakho, ukulungiselela uhambo lokuzungeza umhlaba, ukuxhasa ngezimali izimali zakho eziphuthumayo, njll.

Kungakhathaliseki ukuthi kungani ufuna ukonga imali, kubalulekile ukuthi uzikhombe ukuze zisebenze ngempumelelo. Khona-ke, uma le migomo isichaziwe, uzodinga ukunquma ukuthi yimalini ozoyidinga ukuze ufeze inhloso ngayinye.

Kufanele unembe ngangokunokwenzeka ukuze ugweme lezimanga ezingajabulisi. Ngakho yenza ucwaningo ngokuthenga kwakho ukuze wazi ukuthi yimalini okufanele uyibekele eceleni ukwazi ukuqalisa.

✔️ #5. Rekhoda izindleko zakho futhi ugcine ubufakazi bokukhokha!

Ukulandelela izindleko zakho kukuvumela ukuthi ubone ukuthi uyisebenzisa kanjani imali yakho. Yebo, ekupheleni kwenyanga, kwesinye isikhathi kuyamangaza: asiqondi ukuthi kungani singasenalutho. Ngisho nezindleko ezincane uma sezihlangene zingaba yisamba esikhulu...

Lo mthetho wokuqala uwukuthi ukukhohlwa njalo. Nokho, ngokugcina amarisidi akho namarisidi ekhadi lasebhange futhi ugcwalise ngokucophelela iziqu zakho zesheke, ungaqinisekisa njalo ukuthi alikho inani elikhokhiswe ngokungalungile kuwe.

Uma unokungabaza noma ungakhumbuli izindleko ezisohlwini lwesitatimende se-akhawunti yakho, kufanele usithole phakathi kwala madokhumenti. Uma kungenjalo, ungakwazi ukumelana nalezi zindleko ngokuqiniseka ngawe.

Ekugcineni, ngokugcina le mibhalo, uqaphela kalula izindleko osuzenzile, ezizokuvumela ukuthi wazi izinto ezibalulekile ukuthi ungakwazi yini ukuthenga noma cha.

✔️ #6. Setha umkhawulo wokusebenzisa ngeviki

Ufuna indlela enhle ukonga imali ngokushesha. Ukubeka umkhawulo ngeviki kuqinisekisa ukuthi awuzitholi usuyisebenzisile yonke imali yakho yephakethe maphakathi nenyanga!

Setha umkhawulo wokusebenzisa ekhadini lakho lesikweletu noma lasebhange. Lokhu kuzokuvimbela ekusebenziseni ngokweqile futhi kukhuthaze ukuthi uhlole ukuthenga kwakho kwansuku zonke kusenesikhathi. Amabhange amaningi ahlinzeka ngale sevisi.

Isibonelo, ungasetha imikhawulo yemali yansuku zonke bese ukhetha ukuthi uyakuvumela yini ukuhoxiswa kwe-ATM noma cha ngamasekhondi ohlelo lwakho lokusebenza.

✔️ #7. Vula i-akhawunti yasebhange

Ngokuba ne-akhawunti yasebhange, ungakwazi ukulandelela kalula izindleko zakho usebenzisa ikhompuyutha noma ngocingo! Ngokushesha lapho sidinga, sibheka ukuze sithole ukuthi sikuphi. Futhi ngaphezu kwalokho, ukuvula i-akhawunti kulula kakhulu.

Ukuze wonge imali ngokushesha, uzodinga ukuhlukanisa imali oyisebenzisela izidingo zakho zansuku zonke emalini ohlose ukuyonga. Ukuze wenze lokhu, kuyadingeka ukuvula i-akhawunti yokulondoloza ezinikele.

Ngakho-ke, unciphisa ubungozi bokungena emalini yakho yokonga ukumboza izindleko zakho zansuku zonke. Lokhu kuzokukhuthaza ukuthi ulandele ibhajethi yakho yansuku zonke kuyilapho ugcina ukonga kwakho kuphephile.

✔️ #8. Beka eceleni inani ekuqaleni kwenyanga ngayinye

Le nqubo ingase ibonakale ilula, nokho ayivamile ukusetshenziswa, kuyilapho ingathela izithelo ngempela! Umgomo ? Setha inani ongalisebenzisi inyanga ngayinye: siyamkhoselisa, futhi esikhathini esithile kamuva sinesamba esikhulu esiziqhenya ngaso futhi esingajabula ngaso! Okunzima kakhulu ukungazitholi izaba ezingamanga ekuqaleni kwenyanga ngayinye zokungakwenzi…

Ukubeka imali eceleni nyanga zonke kuyisixazululo esiqinisekisa ukuthi uyazakhela futhi ukwazi ukubhekana nezinto ebezingalindelekile uma kufika isikhathi. Kungenzeka ukubeka la manani alondolozwe ebhukwini lokungena noma kuma-akhawunti okonga.

Ngenkathi isatholakala nganoma yisiphi isikhathi, imali ekhokhwa kulo mkhakha ithola inzalo engeza kancane kancane emalini yokuqala. Okufanelekile ukubeka Ukonga njalo ekuqaleni kwenyanga.

Noma engakwenzi ngamanani amancane kuphela, uma kuhlanganiswe, lokhu kungavumela, ngemva kweminyaka embalwa, ukuzuza emalini nempahla ewusizo kakhulu ekuqaleni ekuphileni. Kufanele uzibekele imigomo ozoyifinyelela, isinyathelo ngesinyathelo, ukubona imiphumela ekhonkolo futhi esheshayo.

♠ #9. Yonga ekuqashweni kwakho

Ukonga ekuqashweni kungenye yezindlela ezisheshayo zokonga imali inyanga ngayinye. Uma uhlala wedwa, enye yezindlela ezilula zokwenza lokhu iwukuba ukwabelana.

Lokhu kuzonqamula irenti yakho phakathi ngokushesha, futhi uma ukhetha ukuhlala nabantu ababili ohlala nabo, uzokhokha cishe ingxenye yesithathu yerenti yakho yamanje. Ngakho-ke, uma njengamanje ukhokha u-€1300 ngenyanga ngefulethi elinamagumbi amathathu futhi uthola ohlala naye, uzogcina i-650 € ngenyanga.

Uma usuvele uhlala efulethini elihlanganyelwayo, ungangena ekamelweni elincane. Irenti ngokuvamile ibalwa ngokusekelwe egunjini elizoqashwa. Lokhu kusho ukuthi ungenza ukonga okukhulu njalo ngenyanga. Ngaphezu kwalokho, izokukhuthaza ukuthi uphinde udayise enye ifenisha yakho, futhi ikuvumele ukuba uthole imali.

Impela, izindlela zokunciphisa indawo yokuhlala zincike ekumisweni komuzi wakho, izidingo zakho kanye nendawo ohlala kuyo...

✔️#10. Ukuze uzijabulise

Futhi ekugcineni ngemali efanele futhi igcinwe, Kujabulele! Ukulawula kahle isabelomali sakho kusho ukuthi uzivumele ukuchezuka okumbalwa ngezikhathi ezithile.

Asikwazi ukuchitha isikhathi sethu siqinisa amabhande ethu, ngaphandle kokushiya indawo yokuphumula nokuzilibazisa. Inhloso ukuhlela nokulawula lezi zindleko ngokunikela ingxenye encane yesabelomali sakho sanyanga zonke kuzo. Lokhu kukuvumela ukuba ujabule ngaphandle kokuzizwa unecala noma ukuzisola kabuhlungu ngemva kwemizuzu embalwa wenze lezi zindleko.

Kodwa ngaphambi kokuba uhambe, nansi kanjani ukuphuma ezikweletini?