Izimfihlo zokukhokha izikweletu zakho

Uma unezikweletu ezimbalwa ezinqwabelene, awuwedwa. Ngenxa yenkinga ye Covid-19, abantu abaningi baye baphelelwa umsebenzi futhi sebenezikweletu kakhulu kunanini ngaphambili. Eqinisweni, izikweletu zingacekela phansi amaphupho akho ezezimali kanye nempilo yakho yomuntu siqu.. Kungakhathaliseki ukuthi unebhalansi encane ekhadini lakho lesikweletu nyanga zonke noma ubhekene nenqwaba yezibopho zezimali, isikweletu sikwenza ungaqhubeki phambili.

Ukukhokha izikweletu namakhredithi kudinga ukuzinikela, ukuzimisela nokubekezela. Nawa amanye amathiphu ahlakaniphile angakusiza ukuthi ukhiphe isikweletu sakho ngokushesha.

Amathiphu ama-10 ukuze uthole imbuyiselo

1. Yeka ukusebenzisa amakhadi esikweletu

Uma ucabanga ukuthi ungazikhokha kanjani izikweletu zakho ngokushesha okukhulu, qala ngesikweletu sakho. ikhadi lesikweletu. Amakhadi esikweletu ngokuvamile aphathwayo amanani enzalo aphezulu futhi ingathumela ibhalansi yakho ukuthi ingalawuleki.

Isinyathelo sokuqala ukuyeka ukusebenzisa amakhadi akho esikweletu ngokuphelele. Uma ushelela kakhulu, kulapho ibhalansi ikhuphuka. Ngisho noma uqhubeka nokusebenzisa ikhadi lakho, gwema ukuthembela ezinzuzweni ezifana nekhono lokuthatha izikweletu zemali.

Ngokungafani nokukhipha ukheshi ku-akhawunti yakho yasebhange ngekhadi ledebhithi, i-credit card cash advance ibiza ukuthi ukhokhe imali eningi ngaphambi kwesikhathi kanye nenzalo ephezulu. Futhi, izinkokhiso zenzalo ziqala ukunqwabelana ngokushesha, ngokuvamile kusukela ngosuku othatha ngalo imalimboleko.

Ingabe unenkinga yokuyeka? Zama ukuqanda amakhadi enkomishini yeqhwa. Ngesikhathi usukwazi ukuyifinyelela futhi, ngethemba ukuthi uzobe usuwushintshile umqondo wakho mayelana nokusebenzisa.

2. Khokha imali eningi ngangokunokwenzeka inyanga ngayinye

Indlela yokukhokha isikweletu ngokushesha kuhilela izibalo ezilula. Uma ukhokha kakhulu, uzosheshe ukhululwe ezibophweni zakho. Ungamane wenze inkokhelo encane ngosuku ngalunye olunqunyiwe, noma kuzokuthatha unomphela. Yiqiniso, ukwakha isikhwama sezimo eziphuthumayo kufanele kube yinto ehamba phambili.

Kodwa uma usufinyelele lowo mgomo, sebenzisa zonke izimali onazo ukuze ukhokhe isikweletu sekhadi noma imali mboleko yabafundi. Uma ukhokha kakhulu, uzosheshe ukhululwe ezibophweni zakho.

Ingabe wonge imali esitolo segrosa ngokunqwabelanisa amakhuphoni ekuthengisweni? Sebenzisa ukonga ukuze ukhokhe izikweletu zakho. Ingabe usebenze isikhathi esengeziwe ngesonto eledlule? Faka imali eyengeziwe esikweletini sakho.

3. Khokha izikweletu zakho ngo-rukunciphisa izindleko zakho

Kulula ukukusho kunokukwenza, non ? Isinyathelo sokuqala sokunciphisa indlela osebenzisa ngayo imali ukwazi kahle ukuthi imali yakho iya kuphi nyanga zonke. Zibuze: Ingabe imali yakho usebenzisa ngokuyinhloko ezintweni ozidingayo noma ezintweni ozifunayo nje?

Bhala phansi izindleko zakho futhi uzihlukanise zibe amakholomu amabili. Ngokusobala, izindleko ezifana namanzi, ugesi, igesi, noma izimali zesikole zezingane zakho kufanele zibe kukholamu yezidingo, kuyilapho i-cable TV, uhambo lwakho olulandelayo lokungcebeleka, ikhofi lakho i-Daily Starbucks noma izidlo zakho zakusihlwa endaweni yokudlela oyikhonzile yase-Italy kufanele zifakwe ohlwini lwekholomu yesibili. .

Okokuqala, thola imikhuba oyithanda kakhulu futhi uthole izindlela zokuyinciphisa noma ukuyiqeda ngokuphelele. Khona-ke, kancane kancane kodwa ngokuqinisekile, thola izindlela zokunciphisa zonke ezinye izindleko, ngisho nalezo ozibheka njengesidingo.

Isibonelo: Ingabe uqhathanise amanani esevisi yocingo kubahlinzeki abahlukene ukuze uthole okuthengekayo? Ukonga okuzoqoqwa ngokuhamba kwesikhathi kuzokusiza ukuthi uphume ngokushesha esikweletini.

Bheka kahle ukuthi imali yakho iya kuphi futhi uhlukanise izidingo nezidingo nje. Gwema ukuvakasha kwansuku zonke ekhefi yasendaweni noma indawo yakho yokudla kwasemini oyintandokazi. Ngokuhamba kwesikhathi, lezi zonga zingakhula. Zisebenzise ukumba umgodi ngokushesha kakhulu kunalokho obekulindelwe.

Uma unenkinga yokuthola ukuthi yiziphi izindleko ongazinciphisa, qala ngokubeka ibhajethi. Sebenzisa isoftware efana Udinga Isabelomali ukukusiza ukuthi uchaze izinto eziza kuqala ekusebenziseni kwakho imali.

Isevisi efana billcutterz ingakusiza ukuthi uxoxisane ngezikweletu eziphansi zenyanga futhi ukhulule imali eyengeziwe ukuze uthathe isikweletu.

4. Ziphinde kabili izinkokhelo zakho

Siyakuhalalisela uma ukhokhe ikhadi elilodwa lesikweletu! Nokho, ukufeza lowo mgomo akusho ukuthi sekuyisikhathi sephathi. Gcina umfutho uqhubeka ngokwaba izimali ezikhokhelwe kulesi sikweletu esezikhululiwe ukuze wenze izinkokhelo ebhalansi yomugqa olandelayo.

Ikhadi lesikweletu, lapho lisetshenziswa ngokuzibophezela, liyindlela enhle yokwakha isikweletu, likusize uhlangabezane nezindleko ezingalindelekile, futhi uxhase ibhizinisi lakho ngezimali.

Kodwa kufanele wenze konke ongakwenza ukuze ukhokhe ibhalansi yekhadi lakho lesikweletu ngokugcwele inyanga ngayinye. Ukuze ujwayelane nokugcina ibhalansi ephansi, sebenzisa ikhadi lakho lesikweletu njengokungathi yikhadi lasebhange, umise inkokhelo ezenzekelayo ukuze ukhokhe ibhalansi yakho njalo ngenyanga.

5. Sebenzisa amadili ukuze ukhokhele ukuthengisa

Uma uthola isivunguvungu kungazelelwe, njengembuyiselo yentela noma ibhonasi emsebenzini, ungaphazamisi kukho. Esikhundleni salokho, luma inhlamvu futhi usebenzise enye yezimali ukukhokha isikweletu.

Enye yezindlela eziqinisekile zokukhokha ngokushesha isikweletu sakho ukusebenzisa imali oyithola ungalindele. Isibonelo, lapho uthola ibhonasi yomsebenzi ngomsebenzi okhethekile noma ngokuvala isivumelwano esibalulekile. Izinkampani eziningi zikhipha amabhonasi phakathi nonyaka nangoKhisimusi.

Ingabe uthole ukwenyuselwa iholo? Beka imali eyengeziwe inyanga ngayinye ukuze ukhokhe isikweletu sakho. Uma unebhizinisi lakho, inzuzo ingaba imbuyiselo yakho yentela noma izaphulelo zokuphromotha ozithola kozakwethu. Ngamafuphi, noma nini lapho unomthombo owengeziwe wemali engenayo, ungawuchithi ngokuthanda kwakho futhi uwusebenzisele ukukhokha isikweletu sakho.

6. Freelance ukuze uthole imali eyengeziwe

Uma ufuna ukukhokha isikweletu ngokushesha, ungagxili kakhulu ekongeni imali. Kwesinye isikhathi isixazululo esisheshayo siwukuthola imali eyengeziwe. Zama isandla sakho ku-freelancing ukuze uthole amarandi ambalwa engeziwe.

Kwezinye izimo, ungase ukwazi ukwenza imali eningi, yonke leyo okufanele ingene esikhwameni sokukhokha izikweletu. Bheka izimakethe zama-freelancers njengo-Fiverr, noma cabanga ukusebenzisa imoto yakho ukuze uthole imali ngokushayela isevisi yokulethwa efana ne-Postmates.

7. Bhekana nezikweletu ezinamazinga enzalo aphezulu kuqala

Nakuba abanye befunga ukuthi indlela engcono kakhulu yokukhokha isikweletu yindlela ye-snowball yesikweletu - ephakamisa ukuthi ukhokhe izikweletu ngamabhalansi aphansi kuqala ukuze wakhe umfutho - kwenza umqondo owengeziwe wezezimali ukusula lezo zikweletu ngamanani enzalo aphezulu kuqala. THE umgomo oyinhloko ukukhokha isikweletu ngokusheshat, nokho, ukukhetha kungokwakho.

8. Yenza ibhajethi yakho

Uma ufunde kuze kube manje, uthatha ukukhokha isikweletu sakho ngokushesha okukhulu. Elinye lamasu angcono kakhulu ongawasebenzisa ukwakha isabelomali esilula, elula futhi elula.

Isabelomali sidlulela ngalé kokuhlukanisa ukuthenga kwakho kwanyanga zonke kube yilokho okudingayo nalokho okufunayo, njengoba kuxoxiwe ngaphambili. Isabelomali esibhaliwe sizokusiza ukuthi uhlaziye kahle ukuthi imali yakho iya kuphi nyanga zonke futhi ikunikeze uhlelo lokusebenzisa imali unyaka wonke.

Uzokwazi ukubona kalula inhloso yakho (kuwe, ukwaba imali eyengeziwe ukuze ukhokhe izikweletu zakho uze uzikhokhe ngokuphelele) futhi ungachezuki kule njongo. Bheka lesi sihloko yazi ukuthi ungayihlela kanjani ibhajethi yakho.

9. Yamukela inselele ngesimo sengqondo esihle

Iqiniso liwukuthi awudingi ukuyeka izinto ezinhle kakhulu ekuphileni ngisho noma uzimisele ukukhokha izikweletu zakho ngokushesha. Ungabhekani nale nselele njengokuzinikela. Isondeze njengoshintsho oluhle endleleni yakho yokuphila kanye nemikhuba emibi emidala.

Lokhu kungaholela esimisweni esinempilo, esinokulinganisela. Ingabe uyilungu lejimu ebizayo? Khansela ukubhalisa kwakho futhi udlale ezemidlalo epaki noma ngaphandle.

Ingabe ujwayele ukuphuma uyodla isidlo sakusihlwa ngezimpelasonto endaweni yokudlela ewubukhazikhazi? Funda ukupheka zokupheka zakho ozithandayo ekhaya. Ingabe izikhwama nezicathulo zabaklami kuyisifiso sakho siqu? Ungathola izinto ezifanayo kakhulu ku-inthanethi ngamanani amahle. Isizathu esengeziwe sokuyeka.

Lezi zinguquko ngeke zibe nomthelela omuhle empilweni yakho kuphela, kodwa futhi nesikhwama sakho semali. Uzomangala ukuthi ingakanani imali ongayonga ukuze ukhokhe isikweletu sakho ngokushesha.

10. Thengisa yonke into ongayidingi

Abaningi bethu baqongelela izinto esingavamisile ukuzisebenzisa. Ezinye izinto ongasazisebenzisi zingabaluleka - zama ukuzithengisa. Ungasebenzisa imali eqoqiwe ukuze ukhokhe isikweletu sakho ngokushesha.

Ukuthengiswa kwegaraji okujwayelekile kungenye yezindlela ezishibhile nezilula zokuthengisa izinto ofuna ukuzisusa, noma ungakwenza ku-inthanethi: I-eBay, i-Craigslist, i-Etsy noma i-LetGo iphakathi kwezinkundla ezidume kakhulu zale njongo.

Faka kabusha…

Lawa macebiso ayi-10 asevele asebenza kwabaningi abasesimweni esifana nesakho. Uma unomuzwa wokuthi isikweletu singaphezu kwamandla akho, cabanga ukuthi akusona ukuphela kwezwe nokuthi yonke into inesixazululo.

Kufanele ube nesibindi sokusondela futhi uhlaziye isimo sakho esithile, futhi usebenzise amasu akusebenzela kangcono phakathi kwalawo ashiwo lapha. Ukukhokha izikweletu zakho kungase kudinge ukuthi wenze izinguquko ezithile endleleni yokuphila, kodwa akudingekile ukuba kucindezele.

Uma unenkinga yokuzivumelanisa nezimo ezintsha, sebenzisa izinguquko ezihamba kancane ukuze inqubo ingabi namandla kakhulu.

Kuzo zonke izinto ezikukhathazayo, ngishiyele amazwana.