Indlela yokuhlela isabelomali sakho?

Kungakhathaliseki ukuthi ubheke ukwenza isipredishithi sebhajethi yomuntu siqu noma ufuna nje ukuqonda kangcono ukuphathwa kwemali, qala ngezinyathelo engikuhamba ngazo kulesi sihloko. Ngisho noma ungasebenzisi ishidi le ukubala isabelomali, cishe udinga indlela yokulandelela ukuthi imali yakho iya kuphi inyanga ngayinye. Ukudala ibhajethi ngesifanekiso kungakusiza uzizwe unamandla okulawula izimali zakho futhi wonge imali yemigomo yakho.

Eqinisweni, noma yiluphi uhlelo oluhle lwezezimali luqala ngesabelomali esiqinile. Kungakhathaliseki ukuthi uzama ukukhokha izikweletu zakho noma ulondolozele lelo holide eliyiphupho, isabelomali siyisinyathelo sakho sokuqala ekufinyeleleni imigomo yakho yezezimali.

Kalula nje, iqhinga liwukuthola indlela yokulandelela izimali zakho ezikusebenzelayo. Kulesi sihloko, ngembula wonke amasu ami okuwina ukukusiza ukuthi uphumelele ekuhleleni imali yakho.

🥀  Izimfihlo zokuhlela isabelomali ngempumelelo

Kukhona ikhono lempilo elilodwa okungenzeka awulifundanga esikoleni: ukuhlela ibhajethi. Ngaphandle kwesabelomali somndeni, uvele uchithe ngokungaboni, ungazi ukuthi imali yakho iya kuphi ngempela.

Kungase kukusebenzele isikhashana, kodwa uma ushaya isithiyo sezezimali noma ufuna ukuthola imali ukuze uqhubekele phambili, ukuhlela isabelomali kuyadingeka.

Uma unomgomo wezezimali - njengokuphuma esikweletini, ukongela a idiphozi yezindlu noma ukubeka eceleni imali yomhlalaphansi wakho - lokhu kuzokusiza futhi ukufeza lokhu. Nali uhlelo lwami lwezinyathelo eziyisikhombisa ongazilandela ukuze udale isabelomali esiphelele.

📍 Hlela futhi uthathe isikhathi sakho

Vumela okungenani ihora ukuze udale ibhajethi yakho. Ukuyisheshisa kungase kubangele amaphutha. Kungumqondo omuhle ukuqoqa zonke izinto ozozidinga ngaphambi kokuthi uqale, ngakho thola:

• Izinyanga ezimbalwa zezitatimende zasebhange;
• Ama-invoyisi akho akamuva ikhadi lesikweletu ;
• Amakhophi ezikweletu zakho zokuhlanza;
• Imininingwane yokonga kwakho kanye neminikelo yakho yomhlalaphansi;
• Noma yiluphi olunye ulwazi mayelana nanoma iyiphi enye imali ongase ube nayo.

Uma iholo lakho eliyinhloko lingena njalo (isonto ngalinye), ungase ukhethe ukuhlela isabelomali masonto onke noma amabili.

📍 Bala Izindleko zakho

Ake sehlukanise izindleko zakho zanyanga zonke zibe amabhakede athile. Kubantu abaningi, lokhu kuzohlukaniswa ngokwezindlu, ezokuthutha, izinsiza kanye nokudla. Ngemva kwalokhu, ungafaka izinto ezengeziwe njengokuthi “Isidlo sakusihlwa endaweni yokudlela”, “iholide","Vêtements", Njll.

Khumbula ukuthi ezinye izindleko zingase zingakhokhi nyanga zonke, ngakho buyekeza izinyanga ezedlule ukuze uthole isithombe esiphelele sezindleko zakho zanyanga zonke.

📍 Hlanganisa iholo lakho

Bhala yonke imali oyitholayo njalo. Le mali engenayo kufanele ibe intela, izinkokhelo zemalimboleko, iminikelo yempesheni, njll. Engeza eminye imithombo yemali engenayo kamuva, kusukela ekongeni, ekutshalweni kwezimali, ekuzisebenzeleni, ezinkokhelweni zerenti, njll.

Calculez ce que vous avez gagné au cours des trois derniers mois et notez la moyenne, afin d’avoir une idée approximative de ce que vous pourriez vous attendre à gagner dans les mois à venir. C’est peut-être aussi le bon moment pour vous assurer que vous payez le bon montant d’impôt.

📍 Bala izindleko zakho ezibalulekile

Ngemva kokuhlanganisa iholo lakho, hlanganisa nezindleko zakho. Qaphela ukuthambekela kweholo lakho lanyanga zonke elichithwa ezindlekweni ezibalulekile. Faka lezi zinkokhelo ngokwezigaba ukuze ube nombono omuhle wokuthi imali yakho iya kuphi.

Izigaba zakho zingabandakanya izinkokhelo zezindlu, izikweletu zezinsiza, igrosa, ukunakekelwa kwezingane, uhambo, njll. Qoqa izitatimende zakho zasebhange, izikweletu zasendlini, nezikweletu zekhadi lesikweletu kulo msebenzi.

Uma izibalo zakho zinembe kakhulu, isabelomali sakho sizoba wusizo kakhulu. Bala izindleko zakho sezizonke zezinyanga ezintathu ezedlule bese uzikhipha emalini yakho engenayo yanyanga zonke. Lokhu kuzokukhombisa ukuthi yimalini evame ukusala enyangeni ngayinye ezindlekweni “ezingabalulekile” ezizokwakha imali oyitholayo.

 📍 Bala umehluko phakathi kweholo lakho kanye nezindleko zakho

Uma izindleko zakho sezingaphezu kwalokho oyongile, unezinketho ezi-2. Yenza imali eningi noma usebenzise kancane. Ngokuvamile, kulula ukunciphisa izindleko kunokuthola imali eyengeziwe. Bheka ibhajethi yakho futhi uthole ukuthi yini engancishiswa.

• Yidla kancane ezindaweni zokudlela?
• Izimpahla ezintsha ezimbalwa?

Uma wonga ngaphezu kwalokho okusebenzisayo, kuhle.

• Ingabe wanelisekile ngemali oyilondolozile?
• Uma kungenjalo, yini enye engaqedwa?

 📍 Thola ukuthi yini okufanele uyenze ngokulondoloza kwakho

Unokulondoloza! Siyakuhalalisela. Manje, iyiphi into engcono kakhulu ongayenza ngayo? Uma unesikweletu esinenzalo enkulu, kungase kube ngcono ukusikhokha. Ungakwazi ngisho nokuhlanganisa leso sikweletu ngenani lenzalo ephansi ukuze wonge okwengeziwe futhi usikhokhe ngokushesha.

I-athikili okufanele ifundwe: Indlela yokuba nenkululeko yezezimali?

Umgomo omuhle uwukubeka umgomo wokulondoloza wokuqongelela u-$1 ku-akhawunti yakho yokulondoloza bese uwufaka esikhwameni sezimo eziphuthumayo sezinyanga ezingu-000. Uma ukhetha ukukhomba iphesenti lomholo wakho, zama ukuqala ku-3% noma u-5% bese ukhuphula izinga lakho lokonga ngokuhamba kwesikhathi.

 📍 Kwenze Umkhuba

Zama ukunamathela kubhajethi yakho ngokuyibuyekeza njalo ngesonto noma amabili. Lokhu kuzokusiza ukuthi uqonde ngokushesha ukuthi indlela osebenzisa ngayo imali ilandelelwa kanjani, yini okudingeka ishintshe, nokuthi uyahlangabezana yini nemigomo yakho yezezimali.

Sikufisela inhlanhla futhi khumbula kunezinsiza eziningi eziku-inthanethi ezifana ne-Peace by Happy Money ezingakusiza ohambweni lwakho lwezezimali. Qala namuhla!

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