La ngamanyathelo ama-5 okulungelelanisa ubomi bakho bemali

Sonke sikhona ngaxa lithile, kwaye yindawo eyoyikisayo: Umvuzo wakho uyafika okanye ubethe iakhawunti yakho yokujonga, kwaye ngequbuliso, emva kwamatyala amaninzi kunye neendleko ezingacwangciswanga. Unokufumana isidlo sakusasa apha okanye iholide apho.Ungajonga phezulu, kwaye uya kuyenza Kunzima kakhulu ukufumana umvuzo wakho olandelayo. Ukucwangciswa kwezimali zakho kukuvumela ukuba uphumle, kangangokuba ungatyhubela uloyiko lokuhlawulwa ukuze uhlawule kwaye konke okulindelekileyo - kunye nokungabonwa kwangaphambili - iindleko ziyahlawulwa.

Ngoku siza kuthetha ngendlela yokulawula imali yakho, kodwa okokuqala makhe sithethe ngokubaluleka kokulawula imali yakho.

Ukulungelelanisa imali kubalulekile

Ukucwangciswa kwemali yakho kubalulekile kuba kukunika umbono ocacileyo wokuba imali yakho iya phi ukuze ungothuswa ziindleko ezingalindelekanga. Uya kuziva ulawula ngakumbi imicimbi yakho yezemali ukuba imali yakho ilungelelanisiwe.

Inkqubo yezemali elungelelanisiweyo iya kukuvumela ukuba ubone kwaye uphucule ukusebenza kwakho, okunokukunceda ufezekise iinjongo zakho zemali ngokukhawuleza. Ukuqonda ngcono imeko yakho yezemali kuya kukunceda wenze izigqibo ezizizo malunga nemali yakho.

Inkqubo engcono yezemali nayo inokuphucula impilo yakho yengqondo. Ikuvumela ukuba ungabi namonde malunga neemali zakho kunye nendlela ezichithwa ngayo emva komvuzo ngamnye. Uziva wonwabe ngakumbi kwaye ukhuseleke ngakumbi ngokwemali.

Amanyathelo amahlanu angundoqo okulungelelanisa imali yakho

Nazi iindlela ezintlanu ezilula zokukunceda ulungelelanise imali yakho kwaye uqonde ngcono apho iya khona.

1. Ukuhlawula amatyala ngokuzenzekelayo

Indlela elula nesebenzayo yokulawula iimali zakho kukuhlawula amatyala ngokuzenzekelayo. Ukuhlawula amatyala akho ngokuzenzekelayo kuqinisekisa ukuba ahlawulwa ngexesha.

Ngokufikelela kwiiakhawunti zabo bonke abasasazi be-invoyisi, okanye ngokusibiza ukuba siphuhlise iintlawulo zakho ngenyanga, unokwenza intlawulo ngokuzenzekelayo.

Nangona kunjalo, ukuba awunamali yaneleyo yenyanga ethile yokuhlawula amatyala akho azenzekelayo, kuya kufuneka uqhubele phambili ufowunele umsasazi wakho wetyala. Baza kusebenza nawe ekutshintsheni okanye ekurhoxiseni intlawulo ezenzekelayo, ukuze ingakubangeli ukuba ube ne-ovadrafti ngaphambi kokuba ube nemali yokuhlawula.

Ukwenza imali yakho ngokuzenzekelayo kunokuba yindlela elungileyo yokulawula imali. Undoqo kukucwangcisa ngokufanelekileyo.

2. Yenza uqingqo-mali

Isiseko sendlela yokulungelelanisa imali yakho luhlahlo lwabiwo-mali oluqinileyo kunye nolwakhiwe kakuhle. Uhlahlo lwabiwo-mali lukunceda ukuba ulandele indlela osebenzisa ngayo imali, ikunika ukuqonda kubungakanani bamatyala akho kunye neendleko kunye nalapho uchitha khona kakhulu.

Uhlahlo lwabiwo-mali olufanelekileyo luya kukunceda uqonde iimali zakho ngokucacileyo kwaye ikuvumela ukuba ufezekise iinjongo zakho zemali.

Ngaphambi kokuba ufumane umvuzo wakho olandelayo, luluvo oluhle ukwenza uhlahlo lwabiwo-mali lwakho. Ukulandelela iindleko zakho, ungaqala ngokwahlula ii-invoyisi ezivela kwiindleko zakho zizonke.

Kufuneka utshintshe uhlahlo lwabiwo-mali rhoqo kwezinye iindleko, ezifana nokutya ngaphandle okanye ukufumana izipho ngeholide, iihambo kunye neeholide, kunye nokuhlangabezana neenjongo zakho zokulondoloza.

Zininzi iindlela zokunciphisa ibhajethi yakho nyanga nganye, kwaye nangeeveki ezimbini.

Uhlahlo lwabiwo-mali lwe-70-20-10

Ungayichitha i-capital yakho kwiindidi ezintathu ezahlukeneyo kunye ne-70-20-10 Budget. I-70% kufuneka iqhubele phambili kwii-invoyisi ngenyanga kunye nezinye iindleko. I-20% iya kusetyenziselwa ukugcina notyalo-mali, njengengxowa-mali yakho yomhlalaphantsi, kwaye i-10% iya kusetyenziselwa ukuhlawula amatyala okanye iminikelo. Inkqubo yohlahlo lwabiwo-mali ilula, iyasebenza kwaye kulula ukuyisebenzisa.

Zero Uhlahlo-lwabiwo-mali

Enye indlela yokujongana nohlahlo lwabiwo-mali yinkqubo yohlahlo lwabiwo-mali olusekwe ziro. Uhlahlo lwabiwo-mali olusekelwe ku-zero luthetha ukuba umvuzo wakho unikezela kwicandelo ngalinye lohlahlo lwabiwo-mali, de kungabikho nto.

Ungavumela indleko enye ngedola nganye usebenzisa i-zero-backed budget. Oku kuqinisekisa ukuba uchitha kuphela oko kwabelwe udidi ngalunye. Oku kukuvumela ukuba ungachithi kakhulu okanye ugqithise iindleko ngenxa yokuba kukho imali.

3. Lawula iindleko zakho

Le yindlela entle yokulandelela iindleko zakho kwaye ikuncede ulandelele apho ziya khona. Uyakwazi ukulandelela iindleko ngezixhobo ezininzi ezahlukeneyo ukukunceda ufumane imali yakho ngolungelelwano.

KwiMicrosoft Excel, yenza iRekhodi yeendleko

IMicrosoft Excel ineetemplate ezimbalwa zasimahla Zininzi iitemplate onokuthi uzikhuphele ukwenza kube lula kuwe ukulandelela iindleko zakho. Iitemplate ezithile zineefomula ezakhelwe ngaphakathi eziza kwenza kube lula kuwe ukulandelela iindleko zakho. Kulula njengokwenza iphepha kunye nokudwelisa amatyala akho kunye neendleko.

Misela imiqondiso yotshintshiselwano kwibhanki yakho

Sebenzisa inkqubo yomqondiso yebhanki yakho ukukukhokela ekubekeni iliso kwiindleko zakho, uvule izaziso ngalo lonke ixesha uchitha kwiakhawunti yakho. Uya kuba noxanduva kuyo yonke idola ethathwe kwiakhawunti yakho yokutshekisha.

Fumana isixhobo sasimahla sebhajethi

Zininzi apps Uhlahlo lwabiwo mali lwasimahla kwiselula yakho ukukunceda ulungelelanise imali yakho. Ezi apps zibe ngaphakathi Mint, TruebillY YNAB (Udinga uHlahlo-lwabiwo-mali) iinkonzo zisimahla. Unokuqhagamshela iiakhawunti zakho zokujonga kunye notyalo-mali ukulandelela iindleko zakho kwiselfowuni yakho.

4. Lawula imihla yokuphelelwa kwee-invoyisi zakho kwindawo esembindini

Unako kwakhona ukulandelela imihla yokuphelelwa kwamatyala akho ukunceda ukucwangcisa imali yakho. Kubalulekile ukulandelela ii-invoyisi zakho ukuze ubone xa imali ihlawulwe. Ukunqanda imirhumo enokubakho emva kwexesha okanye engaphaya kwe-ovadrafti, kubalulekile ukuba ulandelele ixesha amatyala akho afuneka ngalo.

Oku kuya kukunceda ukuba uhlawule amatyala akho ngexesha, nto leyo eya kuphucula amanqaku akho etyala. Ngapha koko, ungayisebenzisa ukwandisa ukulinganisa kwakho ngetyala Imbali yakho yentlawulo yi-35% yamanqaku akho ekhredithi.

I-app yebhajethi ye-smartphone yakho yindlela entle yokugcina umkhondo wamatyala akho kunye nemihla emiselweyo. Ii-apps zemali ezininzi zibonelela ngeempawu ezikunceda ukuba ujonge ii-invoyisi zakho kunye nemihla yazo.

Ukukunceda uhlale ulungelelene kwaye ukhumbule xa kufuneka amatyala akho, sebenzisa ikhalenda yakho yobuqu. Seta izikhumbuzi kwifowuni yakho ukuze sikwazise xa amatyala akho elindelwe, ukuze ungaphoswa yintlawulo.

Gcina ii-invoyisi zakho zibonakala kwaye kwindawo enye. Kuya kufuneka uyazi indawo yee-invoyisi zakho ukuze uqiniseke ukuba zihlawulwe ngokukhawuleza.

5. Ukulawula kakuhle imali yakho, yahlule imali yakho

Ukwahlula imali yakho eyinkunzi kwiindleko zakho kuya kukunceda ukuba ubeke iliso kwaye ulungelelanise imali yakho ngokufanelekileyo ngakumbi. Unokuchitha kuphela imali onayo simahla ngokubekela bucala inkunzi yakho kwiimali ozisebenzisela amatyala.

Inkqubo yemvulophu yemali

Iimvulophu zeCashier yindlela entle yokucwangcisa imali yakho. Iimvulophu zemali sisixhobo esihle sohlahlo lwabiwo-mali esikuvumela ukuba ukhuphe kuphela oko kuyimfuneko kuwe emva kokuba uthenge amatyala akho. Inkqubo yemvulophu yemali ikunceda ukuba usebenzise kuphela oko ukukhuphileyo ngemali ezinkozo emva kokuhlawula amatyala akho, kwaye kuphela.

Ukujonga ii-akhawunti ezineengxelo zebhanki ezahlukeneyo

Unako ukuvula i-akhawunti yokutshekisha eyahlukileyo kwi-akhawunti yakho yasekhaya kwaye ube nethuba lokwahlula ngokuzenzekelayo inkunzi yendlu yakho phakathi kweeakhawunti ezimbini okanye ngaphezulu. Uya kuba neakhawunti enye yeebhili kunye nenye oza kuchitha kwizinto ezibalulekileyo zeveki, kwizinto ezininzi okanye kwezinye iinjongo.

Iiakhawunti zokutshekisha ezahlukileyo ziluncedo ekugcineni iintlawulo zetyala zahlukileyo kwezinye iindleko. Kukhuselekile ukuba ungachithi imali eninzi kakhulu kunemfuneko okanye ujikelezise. Iimali zakho ziya kuba kwii-akhawunti ezahlukeneyo eziya kusetyenziselwa kuphela oko kujoliswe kuko.

Ngeemali ezicwangcisiweyo, unokukwazi ukulawula imali yakho

Ngoku uyayazi indlela yokucwangcisa imali kunye nokugcina imali yakho ilungile. Ikuvumela ukuba ulungelelanise imali yakho kwaye yenza kube lula kuwe ukufezekisa iinjongo zakho zemali. Ngokulungisa iimali zakho, ngoku ungalawula ikamva lakho lezemali.

Imali oyisebenzele nzima kufuneka ikusebenzele hayi enye indlela. Injongo yakho kukulungelelanisa imali yakho.