Nazi izindlela eziyi-8 zokwenza isabelomali esiwinayo komama abangabodwa

Ukuba ngumama ongayedwana kusho ukuthi nguwena wedwa onesibopho sezimali zomndeni wakho. Kusho futhi ukuthi uwena wedwa onesibopho ngezimali zomndeni wakho. uthole inani eliphezulu. Ngakho-ke, kubalulekile ngomama abangabodwa ukuba benze isabelomali abazohola ukuze baphathe kahle imali yabo.

Kubalulekile kabili ukuthi ube nohlelo lwezimali uma wenza konke ukuzibophezela kwezezimali. Ungakwazi ukunakekela izingane zakho, uphathe izindleko zakho, futhi uhole okwanele.

Ukuba ngumama ongayedwa emndenini oneholo elilodwa kunezihibe, kodwa kusasebenza ukuqapha izindleko zakho nokuhlelela ikusasa. Okudingekayo yibhajethi.

Ukwenza ibhajethi nomama ongayedwana

Isabelomali sakho wuhlelo lwakho lokusebenzisa imali. Nakuba kunezindlela ezimbalwa zokusebenzisa isabelomali ongakhetha kuzo, umbono uyafana ncamashi: hlela ukuthi imali yakho iya kuphi.

Ungakwazi ukugwema umthwalo wezezimali ngokudala isabelomali esiwinayo komama abangabodwa. Lokhu kuzokuvumela ukuba ube nokuthula kwengqondo okwengeziwe futhi ugweme noma yiziphi izinkathazo zezimali zesikhathi esizayo. Ukulandelela izindleko zakho kungakubonisa ukuthi sekuyisikhathi sokunciphisa ukuthenga noma ukubheka amakhuphoni weviki ukuze akusize wonge imali ekuthengeni.

Ukwazi ukuthi ungayenza kanjani ibhajethi emalini etholwayo eyodwa akumele kube wuhlupho. Kungaba mnandi ukwenza inselele yokonga imali oyisebenzisa nesabelomali sakho. Ukuthola isu elingcono kakhulu lesabelomali kanye nokwenza lula izindleko zakho kuyisihluthulelo. Uma usujabule ngebhajethi yakho, engeza into ekuvumela ukuthi uzitotose njengomama omatasatasa.

Nazi izindlela ezingu-8 zokwandisa isabelomali sikamama ongayedwana

Sinezindlela eziyisishiyagalombili zokusiza omama abangabodwana bakhe ibhajethi eholela empumelelweni.

1. Beka kuqala izindleko ozisebenzisayo kuwena nakubantwana bakho

Qiniseka ukuthi ungeza izindleko zakho kanye nalezo zamalungu omndeni wakho lapho udala ibhajethi yakho. Kuyinto abaningi abakhohlwa ukuyihlanganisa. Udinga ukuhlela isabelomali semisebenzi yesikole yengane yakho, okokugqoka, ukuvakasha, imisebenzi yangezimpelasonto, nezinye izindleko. Uzokwazi ukubala imali oyikhokhayo ngenyanga.

Komama abasha abangabodwana, ibhajethi yakho kufanele futhi icabangele izindleko ozozithwala njengamanje. Isibonelo, kufanele ukhokhe Ukuqapha kwabancane Noma umshwalense wezempilo Uyamdinga umzanyana okungenani kanye ngesonto Ukhokha malini ngamaphrimiyamu omshwalense Konke lokhu kuyizinto ezibalulekile okufanele ucabange ngazo lapho wenza ibhajethi yomama abangabodwa.

2. Ukuze uhlanganise izingane zakho, dala isikhwama sezimo eziphuthumayo

Umgomo wakho wesikhwama sakho sezimo eziphuthumayo kufanele kube ukuthi ube nezinyanga ezintathu kuya kweziyisithupha zezindleko zakho zokuphila eziyisisekelo (okungukuthi, indlu, ukudla, njll.). Ungayigcina le mali esimweni esiphuthumayo njengokulahlekelwa umsebenzi.

Kodwa-ke, uma unezingane, kufanele ucabangele izindleko zazo eziyisisekelo kuzimali eziphuthumayo ozidalayo. Khumbula ukufaka noma yiziphi izindleko abanazo esikoleni, njengezifundo nezincwadi zokufunda. Ezinye izibopho. Njengomama ongayedwana, akuyona into encane ukwenza isabelomali ngaphandle kwesikhwama sezimo eziphuthumayo.

3. Zithokozise ngemisebenzi yamahhala nejabulisayo

Kungabiza ukuhamba nezingane zakho ohambweni nemisebenzi. Kungabiza ukukhokha ukungena emapaki okuzijabulisa, e-zoo, futhi uthole ukudla neziphuzo. Ungasebenzisa izikhathi zamahhala ukuze uzijabulise nomndeni wakho.

Amamnyuziyamu amaningana anikela ngeMigqibelo yokuqala yamahhala: ungaletha isidlo sasemini esihle futhi wazi imnyuziyamu phakathi nosuku mahhala ngokuphelele. Ungathola futhi imicimbi yamahhala noma imisebenzi kulabhulali yangakini. Ungaya epikinikini noma ukuvakasha kwangaphandle nezingane zakho. Ukuze uthole eminye imibono, vakashela ku-www.inspiration.org Pinterest Unezinketho eziningi!

Nansi eminye imibono yokonga imali komama kubhajethi.

4. Ungonga imali ukuze usize wena nomndeni wakho nifinyelele imigomo yesikhathi eside yezezimali.

Qiniseka ukuthi ufaka into ethile kubhajethi yakho esetshenziselwa ukonga izingane zakho. Kuyenzeka ukuchitha imali encane ezintweni ezifana nokuthenga ubuyela esikoleni kanye nohambo lwesikhathi esizayo. Kufanele futhi wonge imali yasekolishi. Ukonga imali kuyisihluthulelo sokuhlelela ikusasa.

Kufanele wonge imali ukuze uxhase izinjongo zakho zezimali zesikhathi eside, njengokuthola ikhaya, ukuqala ibhizinisi, noma ukuhamba. Awudingi ukuchitha imali eningi kakhulu ukuze wonge imali, kodwa kufanele uhlose ukonga okungenani idola ngenyanga. Ngisho nezilinganiso ezincane zinamandla okwengeza.

5. Zisebenzise ngokuzenzakalelayo izimali zakho

Ukwenza izimali zakho ngokuzenzakalelayo kuyindlela engcono kakhulu yokwenza ibhajethi njengomama ongayedwana. Ukuba ngumama kuyinto ematasatasa, okwenza kube lula kakhulu ukukhohlwa ngezikweletu futhi uzikhokhe sekwephuzile.

Ukwenza izimali zakho ngokuzenzekelayo kuzokwenza impilo yakho yezezimali ibe lula futhi kwenze kube lula ukuphatha imali yakho. Ungasetha izinkokhelo ezizenzakalelayo zezikweletu zakho. Ukwenza izimali zakho ngokuzenzekelayo kuzokusiza ukuthi ugweme ukukhokha ama-invoyisi sekwephuzile futhi uthole izinkokhelo zamuva ezibizayo.

Setha amadethi amanqamu ama-invoyisi akho ngezinsuku ezifanayo othola ngazo inkokhelo ngokushayela umsabalalisi wakho. Ngale ndlela ngeke udlulele ku-akhawunti yakho. Setha ukuthengiswa kokulondoloza okuzenzakalelayo. Ukonga ngokuzenzakalelayo kuzokwandisa isikhwama sakho sezimo eziphuthumayo ngokushesha.

6. Kujabulele ukuphila ngendlela eyongayo

Ungakwazi ukwandisa isabelomali sikamama wakho ngokuphila impilo eyongayo.

Ungagcina imali ngokudlula intambo wenze ikhofi ekhaya. Futhi kuyindlela enhle yokonga imali, ikakhulukazi uma kuziwa ekuthengeni emuva kokuya esikoleni.

Ziningi izindlela zokudala zokonga imali. Lokhu kuzokuvumela ukuthi uphile ezintweni ongakhetha kuzo kuyilapho usahlonipha isabelomali sakho ngenyanga.

7. Phuma ezikweletini

Abantu abaningi bayazibuza, “Ngizosikhipha kanjani isikweletu?” Ungakwazi ukukhokha isikweletu sakho ngisho noma imali yakho iphansi.

Isihluthulelo akukhona okunye ngaphandle kokunciphisa izindleko noma nini lapho kungenzeka futhi usebenzise leyo mali ukunciphisa izikweletu. Nakuba kungase kubonakale kunzima, kuzokusiza ukuthi uthole ukuzimela ngokwezimali ngokushesha okukhulu.

Kuyabiza ukungena ezikweletini Lokhu kungakubiza amakhulukhulu amadola ase-US ngonyaka ngenzalo. Yimali ongayisebenzisa ukuze ulondoloze inkokhelo encane yekhaya noma ukuvakasha.

Qiniseka ukuthi unohlelo lokukhokha izikweletu zakho uma wenza ibhajethi yakho. Lokhu kuzokusiza ukuthi uyeke ukuchitha imali kuzo.

8. Khulisa imali yakho

Kungenzeka ukwandisa imali yakho uma isabelomali sakho sibonakala siqinile, ngisho nangemva kokunciphisa izindleko. Imali yakho eyinhloko izokhula, engakusiza ukuthi uphile ngokunethezeka kusukela emalini ekhokhwayo kuya emalini ekhokhwayo.

Khulisa imali yakho ngezindlela eziningi. Okokuqala, cela ukwenyuselwa iholo uma ukusebenza kwakho kukuhle futhi usunesikhathi wenza umsebenzi kuleso sikhundla. Thola ukuthi i-avareji yeholo lensimu liyini emkhakheni wakho futhi ulihlanganise nolwazi lwakho lomsebenzi ukuze wazi inani odinga ukulicela.

Umsebenzi ofanayo ungenye indlela yokukhulisa imali yakho. Ama-Side hustles alungele omama abangabodwa ngoba akuvumela ukuthi usethe uhlelo lwakho futhi wenze imali ehloniphekile. Yebo

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Qala ibhajethi kamama oyedwa bese uqala ukonga imali

Lawa macebiso azokwenza kube lula kuwe ukuthi wenze ibhajethi njengomama ongayedwana. Lawa macebiso azokusiza ukuthi ubeke imigomo yezezimali futhi wonge imali ukuze ikuqondise kusasa okungenazikweletu. Ngokuba isibonelo esihle ezinganeni zakho, uyozifundisa ukonga imali futhi uzilungiselele impumelelo ngokwezimali.

Asikho isidingo sokuhamba wedwa kulolu hambo. I-Clever Girl Finance inikeza ukuqeqeshwa kwezezimali kwamahhala namakhasi okusebenza. Siphinde siqinisekise ukugqugquzelwa kwamasonto onke ngosizo lwebhulogi yethu ne-podcast Isiteshi se-YouTube!