Ukuze ungalokothi ukhale "ama-elbows" wakho, kufanele ucabange kusengaphambili indlela yokwenza imali usebenze yona. Ngemuva kwakho konke, bonke abantu abanayo i-akhawunti ebhange yasebhange abazange baqale ngeholo lesigidigidigidi, babesazi ukuthi kufanele benzeni nokuthi benzeni imali ukuze bakwenzele. Futhi akudingeki nje ukuthenga enye into.
Izindlela 10 Zokukwenza Imali Yisebenzele Wena
Kunezindlela eziningana eziqinisekisiwe, ngasinye esingasetshenziswa kokubili ngokuhlanganyela kanye nabanye. Ngakho, nansi ongakwenza:
- Hlola ukuthi unethuba lokulondoloza imali ethile emalini. Futhi uma impendulo inguyebo, zama ukuqonda ukuthi luhlobo luni oluyoba yinxenye yemali engenayo. Ngendlela, izazi zeluleka ukuhlehlisa okungenani u-10% wemali engenayo yenyanga. Bathi ukuthi isenzo esinjalo singaphansi kwamandla kwanoma yimuphi umuntu.
- Imali ekhethiwe noma eyabelwe ngokuqondile kulo mcimbi, ungagcini inani elisekhaya. Udinga ukutshala imali ukuze usebenze. Ungavula i-akhawunti yasebhange noma uthenge isikhwama sokwabelana.
- Yenza lokho obiza imali engenayo. Isibonelo, ingaba yimali engenayo kusuka ekukhangiseni kuwebhusayithi yakho, noma ukudala inethiwekhi yakho yabasakaza bezimonyo ezifanayo.
- Cabanga ngemali engenayo. Abantu abaningi abazicabangi, futhi bagcina yonke imali yabo e-akhawuntini elula yasebhange, akulona iqiniso, ngakho imali iyashisa.
- Gxila "ezimisweni ezingunaphakade." Isibonelo, abantu abaningi abaqondi ukuthi ngisho nokuhlobisa kwegolide "okulula" noma imali engeke ibe yintengo, ngokungafani ne-iPhone entsha noma imoto. Izinsimbi eziyigugu zingahlala zithengiswa kakhulu, ngokungafani nobuchwepheshe.
- Akuyona into engacabangi ukutshala imali ekuthengweni kwezindlu zangempela. Kukhula ngaso sonke isikhathi ngentengo, futhi noma ngabe ufuna, ungakwazi ukuqasha indawo yokuhlala, futhi ngaleyo ndlela uqinisekise imali engenayo.
- Ukuthengwa kwemali yangaphandle kungabuye kube yindlela yokuphuma, kodwa gcina ukhumbula ukuthi ngokuvamile ukukhula nokuncipha kwayo akuyona inqubo engalindelekile.
- Ukutholakala kwamasheya kungaphinde kulethe imali engenayo, kodwa kuyoba ngcono ukufaka lokhu kubachwepheshe, futhi ungacabangi ukuthi yimaphi amaphepha okuthenga.
- Ukufaka ukukhangisa ku-intanethi kuzosiza futhi ukukhiqiza imali engenayo, ngaphandle kokuchitha isikhathi esiningi kulo msebenzi.
- Futhi, ekugcineni, ungazama ukudlala esitokisini samasheya, iqiniso, umphumela walokhu awunakulinganiswa.