Ukuqala njani ukuphila ngaphantsi kweendlela zakho

Abaninzi bethu banetyala lokuba nencasa ye-champagne kwibhajethi yebhiya, oko kukuthi ukufuna izinto eziphathekayo ezenza ukuba uqale ukuphila ngaphaya kwamandla akho. Iimpahla ze-elektroniki zamva nje kunye nempahla eziyiyiyili ziyafumaneka imini yonke. ixesha. Sihlala sihendwa zezona mveliso zibalaseleyo. Akumangalisi ukuba abathengi abaqhelekileyo bachitha ngaphezu kwe-$ 1.000 ngonyaka kwizinto zombane. Imizi yaseMelika inamatyala ekhadi letyala Ingaphezulu kwe-$5.000.

Kunzima ukuvuma ukuba awunalo uhlahlo lwabiwo-mali lwendlu yodidi okanye imoto entsha, kodwa kubalulekile ukuba uqale ukuphila ngaphantsi kwamandla akho. Isicwangciso sezemali sinokukunceda uzibekele impumelelo yezemali.

Kubalulekile ukuba ungachithi imali engaphezu kwamandla akho.

Ukuphila ngaphantsi kweendlela zakho kunokukunceda ufumane inkululeko yezemali. Ngokususa ityala, unokonga imali eninzi yeziganeko okanye iindleko ezingalindelekanga, njengokulahlekelwa ngumsebenzi.

Bangaphezu kwama-200.000 abantu abaza kuqeshwa ngo-2020 Izigidi ezi-4 zemisebenzi ziye zanyamalala Ngenxa yobhubhane. Kunokubangela iingxaki zemali ukuba uphila ngaphaya kwamandla akho, akunamali yongayo, kwaye ubale iintsuku de uhlawulwe.

Kubalulekile ukuba uqale ukuphila ngaphantsi kweendlela onazo ngoku ukuze uqale ukonga imali kwangoko, uhlawule amatyala akho, kwaye uzinike uxolo lwengqondo.

Kunokuba ufunde ukuyeka ukuphila ngaphaya kwamandla akho xa sele lihambile ixesha, uya kuba sele ulumkile ngemali yakho yaye akusayi kugqogqa ukukhangela imali ngomzuzu wokugqibela.

Iimpembelelo zemali zokuphila ngaphaya kwamandla akho

Ngeendlela ezininzi, ukuphila ngaphaya kwamandla akho kunokubiza imali eninzi. Amakhadi okuthenga ngetyala ayabiza. Usenokugqiba ukuhlawula inzala ephezulu, ukuthenga imoto kuhlahlo lwabiwo-mali olungqongqo, okanye ude uthenge nendlu ephuma kancinci kuluhlu lomvuzo wakho wenyanga, nangona ikhangeleka ilungile ephepheni.

Kungenxa yokuba kubonakala ngathi unako ukuthenga oko akuthethi ukuba uya kwenjenjalo ukuba iimeko zakho ziyatshintsha. Kubalulekile ukuqwalasela iindleko ebezingalindelekanga xa uthenga.

Ngokomzekelo, ukuba uthenga indlu, kufuneka ucinge ngeendleko ukuba kukho into ephukayo okanye yonakele kwaye ayihlawulwanga yi-inshurensi.

Ukuthenga ngemvo yeyona ndlela iyingozi yokuphila ngaphaya kwamandla akho. Kulula kakhulu ukulayisha kumakhadi okuthenga ngetyala xa sibona into esicinga ukuba sifanele sibe nayo.

Xa uyilayisha kwaye ungahlawuli ibhalansi, uhlawula kakhulu loo bhegi kunokuba ucinga Ukuphila ngaphaya kwamandla akho kunokukhokelela kwisiphithiphithi sezemali.

Iimpawu zokuba uphila ngaphaya kwamandla akho

Ezi zalathi zingundoqo zinokukunceda ubone ukuba uphila ngaphaya kwamandla akho emali. Ezi zalathi kulula ukuzibona ukuba zibhaqwe kwangethuba.

1. Awunayo ingxowa-mali yexesha likaxakeka

Imali ebekelwe bucala kwiimeko ezisongela ubomi kunye neemeko ezingalindelekanga ibizwa ngokuba yingxowa-mali yongxamiseko. Kubalulekile ukonga iinyanga ezi-3 ubuncinane kwizinto ezibalulekileyo zobomi.

Abantu abaninzi awunamali yaneleyo Ingxowa-mali yakho yokonga ngexesha likaxakeka. Nangona kubonakala kunzima, ungaqala ngokubeka injongo ye-1000 yeedola. Emva koko wandise ngokuthe ngcembe.

2. Ityala lekhadi letyala

Ityala lekhadi lokuthenga ngetyala elinenzala ephezulu linokubiza imali eninzi. Ityala lekhadi letyala lingabiza, ngakumbi ukuba amanqaku akho etyala aphantsi Amakhadi etyala aphezulu. Ungachitha amawaka eedola ukuba wenza intlawulo encinci.

Ukuba unamakhadi okuthenga ngetyala, kungcono ukuhlawula ibhalansi yakho inyanga nenyanga. Ungakuphepha ukubiza inzala kwaye uphephe ityala ngokuhlawula yonke ibhalansi.

3. Awugcini ubuncinane i-10% yomvuzo wakho

Ukugcina i-10% nyanga nganye yenye yezona ndlela zisebenzayo zokugcina. Ukuba ufumana i-$ 500 ngeveki, uya kugcina i-$ 50 kwi-paycheck nganye. Ungagcina ukuya kuthi ga kwi-1000 yeedola ngokukhawuleza ngokulandela indlela ye-10%.

4. Nokuba yeyiphi na imeko yakho yezemali, uthenga iimveliso ezinexabiso eliphezulu

Ngaba uyayihlaziya yakho efowuni minyaka le okanye uthenge iibhegi zomyili ngekhadi lakho letyala? Ngaba uphila ngaphaya kwamandla akho? Intetho edumileyo ethi "yilayishe" yindlela ekhawulezayo yokungena ematyaleni.

5. Kuyabiza ukuthatha iholide ongayicwangcisanga.

Wonke umntu ufuna iholide, kodwa ukuba awuyigcini imali yakho ukuya eholide kwaye uyifake endaweni yoko, awuhlali ngaphantsi kweendlela zakho. Uhlahlo lwabiwo-mali olusebenzayo lubalulekile ukuze uphephe ukungena ematyaleni. Iiholide zinokubiza.

Ukuqala njani ukuphila ngokwamandla akho

Uya kumangaliswa ukuba unokufunda ngokukhawuleza kangakanani ukuhlala ngaphantsi kweendlela zakho kunye neendlela ezifanelekileyo zohlahlo lwabiwo-mali kunye nemithombo yemali.

Unokufumana impumelelo yezemali oyifunayo ngokuthatha ingqondo eyongayo kunye nendlela ejolise kwimali. Nanga amanye amacebiso okukunceda uqalise.

Bhajethi

Inyathelo lokuqala lokuphila ngaphantsi kweendlela zakho kukwenza uhlahlo lwabiwo-mali. Unokufumana indlela yokwenza uhlahlo lwabiwo-mali oluhambelana neemfuno zakho zemali. Uneendlela ezininzi onokukhetha kuzo ukwenza uhlahlo lwabiwo-mali. Nazi ezinye zeendlela ezidumileyo zokwenza uhlahlo lwabiwo-mali:

• Inkqubo yemvulophu yemali
• Iipesenti zokuqhawula
• Uhlahlo lwabiwo-mali olusekelwe kwi-Zero
• Uhlahlo lwabiwo-mali nge-app kunye ne-spreadsheet

Inyathelo elibalulekileyo: Khetha isicwangciso sohlahlo lwabiwo-mali esikufaneleyo kwaye uzimisele ukunamathela kuso.

Yenza isicwangciso semali

Ukhuseleko lwemali luxhomekeke kwisicwangciso semali. Isicwangciso esiluqilima sezemali sinokukunceda ufezekise iinjongo zakho zemali. Kuya kufuneka ubandakanye iinjongo zakho zezimali, kunye nesicwangciso sokuhlawula amatyala, ugcino olungxamisekileyo, utyalo-mali, kunye nesicwangciso sezindlu.

Nciphisa iindleko zakho

Eyona ndlela ilungileyo yokuphila ngaphantsi kwamandla akho kukunciphisa iindleko zakho. Unokonga iitoni zemali ngokungachithi kwizinto ezifana nekofu ebiza kakhulu, iimpahla ongazidingiyo, kunye nokungatyi ezivenkileni rhoqo.

Ungasebenzisa imali ukugcina endaweni yedebhithi okanye amakhadi okuthenga ngetyala. Uya kuzazi ngakumbi iindleko zakho zemihla ngemihla.

wonga

Unokufumana iingcebiso ezininzi kwaye amaqhinga ukuphila ubomi obungenamali. Unokuthenga iimpahla ezisele zisetyenzisiwe kunye nezinto zombane. Iikhuphoni zinokukunceda ukuba wonge imali kwivenkile yokutya kwaye wenze ukuthenga kube lula.

Yehlisa kwiflethi encinci okanye indlu ukuba kukho imfuneko kwaye uthengise izinto ongazidingiyo ukuze ufumane imali eyongezelelweyo. Ungaqala ukuphila ngaphantsi kweendlela zakho xa uthatha isigqibo malunga nento oyifunayo ngokuchasene noko uyifunayo.

Ingqondo Yemali: Yiphucule

Konke kumcimbi wembono. Ukuphucula indlela ocinga ngayo ngemali kunokwenza kube lula ukulawula iimali zakho. Musa ukugxila kwizinto ezimbi, sebenzisa iimpazamo zakho zangaphambili njengethuba lokufunda ukwenza utshintsho oluyimfuneko ukulawula imali yakho kakuhle.

Kunokuba ujonge ukuphila ngaphantsi kweendlela onazo ngokungqongqo, kujonge njengethuba lokufumana inkululeko yemali.

Sebenzisa izifundo zemali kunye nezibonelelo

Kulula ukuziva uxinezelekile xa uzama ukwenza utshintsho kwimali yakho. Silapha ukukunceda ukuba ungene kwindlela eya kwimpumelelo yezemali nge-100% yethu yezifundo zezimali zasimahla kunye nezibonelelo.

Ezi khosi kunye namaphepha okusebenzela angakukhokela kuhambo lwakho lwezemali. Kwakhona baya kukunceda uhlale unomdla.

Ukuhlala ngaphantsi kweendlela zakho kunokwenzeka!

Ukuphila ngaphantsi kweendlela zakho kunokwenzeka ngokulula ukuba unengqondo efanelekileyo yemali, izakhono zokucwangcisa imali, kunye nezicwangciso zohlahlo lwabiwo-mali. Unokwenza kube mnandi ngakumbi ngomngeni wokonga imali. Ungamema nomhlobo wakho ukuba akuthelele ukuze akugcine endleleni.

Uya kuqalisa ukuphila ngokwamandla akho. Iakhawunti yakho yebhanki iya kuqalisa ukukhula ngokukhawuleza kunokuba unokucinga