Ukuba unjengabantu abaninzi, mhlawumbi uzifumana usokola kancinci ngexabiso eliphezulu lokuphila namhlanje. Usenokungabi nangxaki yokuhlawula amatyala akho, kodwa ngandlel’ ithile akukho mali yaneleyo yokwakha ukonga kwakho okanye ukuthatha elo phupha leholide. Uninzi lwabantu lugqiba ukuchitha imali eninzi kunokuba beyiqonda kwizinto ezincinci, ezongeza ngokukhawuleza kodwa kulula ukuzitshintsha. Nazi ezinye iingcebiso ezilula zokukunceda ufumane ulawulo lwenkcitho yakho kwaye ufumanise ukuba 'iintsuku ezingama-30 ukuya kwimali engcono' yinjongo enokwenzeka.
Zimisele Imilinganiselo Yakho
Kubalulekile ukwazi apho uya khona ukuba ufuna ukufezekisa iinjongo zakho, ngoko ke inyathelo lokuqala kumceli mngeni wakho wezezimali weentsuku ezingama-30 kukufumanisa ukuba yeyiphi eyona milinganiselo yakho ingundoqo. Ngaba ungumntu onomdla ofumana uvuyo lokukhenketha ihlabathi? Okanye ngaba unokunandipha unqabiseko lwekhaya elizinzileyo nentsapho? Zama ukuza nemilinganiselo engundoqo emine okanye emihlanu. Khumbula, ezi ayizonjongo, ngoko ziphephe izicwangciso ezicacileyo kakhulu. Amaxabiso akho kufuneka abe ngamagama okanye amabinzana amafutshane, afana 'nentuthuzelo,' 'ubugcisa' okanye 'ukuzimela.'
igama lakho libolile iitumato
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Zibekele Usukelo Oluthathu Lwenyanga
Okulandelayo, kufuneka ujike amaxabiso akho aphambili kwizicwangciso zekhonkrithi. Kumngeni wemali weentsuku ezingama-30, luluvo oluhle ukuqala ngokugxila kwiinjongo ezintathu zexesha elifutshane ezihambelana nexabiso lakho. Ngokomzekelo, ukuba uxabisa ukhuseleko, unokufuna ukubeka injongo yokugcina imali ethile kule nyanga. Ukuba uyayixabisa impilo okanye intuthuzelo, cinga ngokucwangcisa ukupheka konke ukutya kwakho ekhaya kunokuba utye ngaphandle. Qinisekisa ukuba ezi njongo zithe ngqo kwaye ziyafezekiswa, nokuba zifuna umsebenzi owongezelelekileyo. Zithumele kwindawo apho uya kubabona yonke imihla.
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Gcina iJenali yokuchitha
Kunzima ukwazi ukuba iyaphi imali yakho ukuba awuyilandeli, ngoko ke ukuqala ijenali yenkcitho yinxalenye ebalulekileyo yokulungisa iimali zakho. Le inokuba yijenali yephepha lemveli apho ubhala ngokulula zonke izinto ozithengileyo, kodwa ukusebenzisa usetyenziso kwifowuni yakho kunokusebenza ngakumbi. Ayenzi nje ukuba kube lula ukuchwetheza kwintengo nganye ngoko nangoko, kodwa uninzi lwezi nkqubo zikwalandelela inkcitho yakho kwaye uyihlele ngokweendidi ukuze ubone ngqo apho uchitha khona kakhulu.
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Sika Ubunewunewu
Kungakhathaliseki ukuba zeziphi iinjongo zakho zexesha elide kunye nemilinganiselo, umceli mngeni wemali weentsuku ezingama-30 lithuba elihle lokuphinda ucinge ngento oyifunayo kwaye uyidinga. Kwiintsuku ezingama-30 ezilandelayo, zama ukuba ungathengi naziphi na izinto ezingeyomfuneko. Pheka ekhaya endaweni yokutya, pakisha isidlo sakho sasemini xa usiya emsebenzini, tsiba uhambo lokuya kuthenga ngaphandle kwezinto eziyimfuneko kwaye ucinge ngokuthenga iimveliso ezingaphandle kwebrand ukufumanisa ukuba inguqulelo yegama lebrand inexabiso elongezelelweyo.
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Hlaziya iiAkhawunti zakho
Ukuba unazo naziphi na ii-akhawunti zekhadi letyala, ngoku lixesha elihle lokubona ukuba zisakusebenzela na. Ukuba ikhredithi yakho iphucukile ukususela oko ubuwavulile okanye ubusoloko uwasebenzisa iminyaka ngaphandle kweengxaki, kukho ithuba elihle lokuba ulungele ukufumana inzala engcono kunye nezinye izibonelelo. Into ekufuneka uyenzile kukufowuna ubuze. Kwangaxeshanye, jonga ukonga kwakho, ii-401Ks kunye nezinye iiakhawunti ukuqinisekisa ukuba uzisebenzisa ngobulumko kangangoko.
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indlela yokwenza isixhobo kwi-alchemy encinci
Phinda ucinge ngesimo sakho sengqondo ngemivuzo
Wonke umntu ufuna ukuphathwa kancinci ngoku kwaye emva koko, kodwa abantu abaninzi balinganisa umvuzo kunye nokuchitha imali. I-splurge encinci inokufaneleka ngoku kwaye emva koko, kodwa uchithe le nyanga ucinga ngeendlela ezikhululekile okanye eziphantsi kweendleko zokuziphatha. Umzekelo, mhlawumbi iqamza elimnandi lokuhlambela ekupheleni kosuku olunoxinzelelo kungcono kunokuthatha ukutya okutyayo okuxabisa imali eninzi, okanye imvakwemini ezolileyo uzisonge nencwadi elungileyo kwaye akukho ziphazamiso ezikutshaja ngokutsha kunye nohambo oluya kwindawo yentengiso.
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Cela Uncedo Lwabahlobo Nentsapho
Akukho ndoda isiqithi, kwaye yinyani leyo xa uzama ukulungisa iimali zakho, ngokunjalo. Xelela abahlobo bakho kunye nosapho into ozama ukuyenza, kwaye ubabuze ukuba bangakunceda na uhlale endleleni. Abahlobo bakho banokukuvuyela ukukujoyina kwimyuziyam okanye enye indlela yokuzonwabisa ebiza ixabiso eliphantsi endaweni yokuchitha ubusuku obubiza iziselo okanye imuvi, kwaye usapho lwakho lunokulungela ukukukhumbuza ngeenjongo zakho xa ucinga ngokuyeka. isidlo sangokuhlwa endaweni yokulinda ude ufike ekhaya.
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Zama Ukuhamba Ngemali Kuphela
Idebhithi kunye namakhadi okuthenga ngetyala aluncedo ngokumangalisayo, kodwa akwenza kube lula kakhulu ukuwachitha ngaphandle kokucinga ngawo. Kwiintsuku ezingama-30 ezizayo, cinga ngokushiya amakhadi kwisipaji sakho kwaye uchithe imali kuphela. Khupha kangangoko ufuna kwiindleko zakho ezicwangcisiweyo zeveki kodwa ungaphindi. Xa imali yakho iphela, yiloo nto. Azisekho iisnacks ezikhawulezayo ezisuka kwikona yevenkile okanye isidlo sangokuhlwa kunye nabahlobo.
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Cwangcisa uTshintsho oluzenzekelayo
Udluliselo oluzenzekelayo yindlela elula yokuqinisekisa ukuba uhlala uhlangabezana neenjongo zakho zogcino, kodwa bambalwa kakhulu abantu abazisebenzisayo. Kungangoyikisa kancinci ekuqaleni, ngakumbi ukuba uhlala uhlawula umvuzo wokuhlawula. Nangona kunjalo, ukuhambisa kancinci njenge ngenyanga ubuncinci kukwenza uqalise kwaye kukunceda ukuba uqalise ukucinga ngokulondoloza. Njengoko imeko yakho yezemali ngokubanzi iphucuka, unokwandisa loo mali ukukunceda ufezekise iinjongo zakho ngokukhawuleza.
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Zinike imali encinci yolonwabo
Ngelixa uninzi lwezi ngcebiso zibandakanya ukungachithi imali engaphezulu kunokuba kufuneka, khumbula ukuba oku akulondolozeki ngonaphakade. Wonke umntu ufuna imali encinci yokuzonwabisa. Ngexesha lomngeni weentsuku ezingama-30, nikela ingqalelo kwimisebenzi kunye nokuthenga okuphosileyo ngokwenene. Ngaba uyayithanda ikofu yakho ye-gourmet kusasa, okanye uphuma ukuya kwisidlo sangokuhlwa kunye nabahlobo bakho? Kulungile! Ekupheleni kweentsuku ezingama-30, yibuyisele kuhlahlo lwabiwo-mali lwakho. Qiniseka nje ukuba uyigcina ngexabiso elifanelekileyo. Sukuzinika itshekhi engenanto okanye uya kuzifumana ufuna olunye ucelomngeni lwemali lweentsuku ezingama-30 ngaphambi kwexesha elide.
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