Ukuqokelela iingqekembe zakho zemali kunye nokugcina iindleko yindlela entle yokonga imali, kuba ekuhambeni kwexesha, lonke olo tshintsho longeza. Kodwa ukhupha iipokotho zakho engqayini okanye ibhanki yehagu xa ungena emnyango? Ayisiyiyo eyona ndlela imnandi okanye iphefumlelweyo yokwenza izinto. Ukuba ufuna inkuthazo encinci yokonga-nokuba kukuhlawula into ekhethekileyo, okanye ukunqanda imikhwa emibi yemali-zama enye yezi zinto ithathe ingqayi yemveli okanye ibhanki yehagu.
Xa usebenza kwinto yabantu abadala…
Nyanga ngokwakho kwiJar
Kulungile, nawe ke unakho vele ubize ukutya okumnandi okanye ukuthengwa kwe-splurge-y kwikhadi lakho letyala xa ufuna ukuzinyanga ngokwakho Iipaki noLonwabo isimbo, kodwa ukuba wenza ingxowa mali yokonga loo mizuzu xa ufuna ukuzithengela ngokwakho into oyifunayo, ayizukuva kamnandi kangaka? Ukuyiphatha ngokwakho ingqayi inokukuvumela ukuba wenze kanye loo nto, ngaphandle kwamatyala.
Kodwa ke, udinga inkuthazo yokufaka imali engqayini, kwaye kulapho iye ibengcono nangakumbi-yintoni ekwenza ukuba ube Ndifuna ukuzinyanga ngokwakho kwasekuqaleni? Ngokwesiqhelo, kungenxa yokuba ubenosuku olungqongqo kwaye ufuna ukwenza into ukuze uzive ungcono, okanye ngenxa yokuba usebenze nzima kwinto ethile kwaye ufuna ukuzivuza ngomsebenzi owenziwe kakuhle. Ke, ngalo lonke ixesha kufuneka wenze into enzima okanye into oyithiyileyo-yithi, xa ufuna ukuya kwi-DMV, okanye ucoce nzulu ifriji- beka utshintsho lwakho okanye iidola ezimbalwa embizeni. Ke, xa ufuna ukukhetha, imali engqayini kwaye, uyazi, ziphathe ngokwakho .
Xa ujinga kumgomo omkhulu…
Ungayenza Jar
Ngokufana nokuphathwa ngokwakho, ingqayi yemali ikuvumela ukuba uzonwabise ngaphandle kokusebenzisa ikhadi lakho letyala, kodwa nantsi apho yahluke khona: Ngebhotile yokuqala, ugcina ngalo lonke ixesha usenza into oyikayo, kwaye ungenisa imali nanini na uziva ngathi uyayithanda, kodwa ngayo ungayenza ingqayi, ulungelelanisa ukonga kwakho kunye nenjongo ofuna ukuyiphumeza.
Cinga ngale ndlela-sonke sinento esifuna ukuyifeza, nokuba yinjongo enxulumene nomsebenzi (njengokukhangela iprojekthi enkulu ebalulekileyo epakini, okanye ukubhala incwadi) okanye injongo yakho (njengokubaleka umdyarho okanye ukufunda ukudlala ikatala.) Ukufezekisa iinjongo zakho akukho lula, kwaye ufanele umvuzo wokufezekisa into ebalulekileyo kuwe. Ke, ngayo ungayenza ingqayi, zikhuthaze kwaye ulandele inkqubela phambili yakho ngokubeka imali ngalo lonke ixesha usenza into ekunceda ukuba ufezekise injongo oyikhethileyo. Ngaba uhlala phantsi ukubhala isahluko sencwadi yakho? Beka imali kuyo. Ekugqibeleni ndafunda ikatala kumculo omtsha? Uyawazi umgxobhozo. Ukubona ingqumba yemali engqayini kuya kukunceda ubone ukuba uqhubeka njani usiya ekufezekiseni izinto ozifunayo, kwaye xa ithe yamiswa, inokukukhuthaza ukuba usebenze ngaphezulu.
Xa uzama ukunciphisa umkhwa ombi…
Ukuba oku, emva koko loo Jar
Ukuba ngenene ufuna ukuthintela inkcitho yakho, kuya kufuneka uzibekele imigaqo ethile. Oko kuthetha ukuba kuvavanya imikhwa yakho yokutyibilika — ngaba uyala ukungabinamthungo okanye utye ukutya rhoqo ngaphandle kokupheka ekhaya, okanye ngaba uthembele kwi-Uber rhoqo kunokuba kufuneka? Ukuba oku, ke loo nto ingakunceda ukuba ubethe imikhwa emibi yemali.
Inombolo yeengelosi ezingama-444 ethetha ngothando
Nokuba yeyiphi na imikhwa emibi oyenzayo, yenza uluhlu lwemithetho kwaye ubanike amaxabiso emali kubo ngokuxhomekeka ekubeni uyenza kaninzi kangakanani (yithi $ 3 ngoku-odola ukuthungwa, iidola ezi-2 ngokuthatha iteksi, njlnjl. uyidinga ukukuthintela.) Ke, ukulungele ukuqala ukugcina. Nangaliphi na ixesha ucinga ngokuchitha imali kwenye yezo zinto zimbi, uya kwazi ukuba kuya kufuneka ubeke imali embizeni kunye nayo nayiphi na imali oyisebenzisayo, ke ukuba iyakuyekisa ukuyenza, kulungile-ukuba akunjalo, imali iya ingqayi… emva koko kwiakhawunti yakho yokonga, apho ungayi kuyichukumisa. Ngenye indlela, ukuba ufuna ukuba nesisa ngemali yakho yesiqhelo embi, unganikela ngayo. Nokuba yeyiphi indlela, ingqayi kufuneka ikuncede ucinge kabini malunga nendlela oyisebenzisa ngayo imali yakho, ukuze ugcine ngakumbi ekuhambeni kwexesha.
