Uma wake wenza isabelomali esibukeka kahle ephepheni futhi ngandlela-thile sehluleka empilweni yangempela ngesonto lesibili lenyanga, inkinga ingase ingabi ukuziphatha kahle. Kungase kube idatha. Ngokuqondile, kungenzeka ukuthi ubulokhu uzama ukushintsha indlela osebenzisa ngayo imali ngaphambi kokuqonda ngokugcwele amaphethini ayo.
Abantu abaningi baphatha izindlela zokulandelela ukusetshenziswa kwemali njengezingodo zokudla. Bazisebenzisa ngemva komonakalo owenzekile, benecala elincane kanye nesithembiso sokwenza kangcono ngenyanga ezayo. Kodwa ukulandelela ukusetshenziswa kwemali yakho kusebenza kahle uma uphatha njengamanothi asensimini. Awuqoqi ubufakazi bokuzigweba. Uqoqa izinkomba mayelana nokuthi impilo yakho isebenza kanjani ngempela, ukuthi imikhuba yakho ibiza malini, nokuthi imali yakho iqala kuphi ukukhukhuleka lapho kungekho muntu onaka.
Lolo shintsho lubalulekile ngoba umgomo awukona ukuba ngumuntu ongalokothi asebenzise imali. Uba ngumuntu oqaphelayo. Futhi lolo hlobo lokuqwashisa lungabumba yonke into kusukela emikhubeni yakho yokudla kuya ezinqumweni ezinkulu mayelana nezikweletu, ukonga, nokuthi udinga yini izinketho zezimali zangaphandle ezivela kubabolekisi bemali mboleko yezindlu ukuze uthole izindleko ezinkulu. Ngaphambi kokuthi wenze noma yikuphi ukuthutha okukhulu kwemali, kuyasiza ukuqonda amaphethini ansuku zonke asevele eqondisa ukuhamba kwemali yakho.
Cabanga Njengombukeli, Hhayi Umgxeki
Ukubuyekezwa kokusetshenziswa kwemali okuwusizo kakhulu kuqala ngelukuluku. Esikhundleni sokubuza ukuthi, “Kungani ngihluleka kangaka ukuhlela isabelomali?” buza ukuthi, “Inyanga evamile ibukeka kanjani kimi?”
Uma ubheka ezezimali zakho ngale ndlela, uqala ukubona ukuziphatha okuphindaphindiwe okungafihlwa yisamba esiyisisekelo senyanga. Mhlawumbe imali yakho yokudlela ayikho mayelana nokudla. Mhlawumbe ikhuphuka ebusuku lapho umsebenzi ufika sekwephuzile. Mhlawumbe ukuthenga kwakho ku-inthanethi akuhleliwe nhlobo. Mhlawumbe kuqongelela ngeSonto kusihlwa lapho ugwema uMsombuluko. Lawa amaphethini, hhayi ukwehluleka komuntu siqu.
Yingakho ukuhlolwa kwemali kungaba ukwembula kakhulu kunesifanekiso sesabelomali esivamile. Isifanekiso sikutshela okufanele kwenzeke. Ukuhlolwa kwemali kukhombisa okwenzekayo.
Qala Ngezinyanga Ezintathu, Hhayi Eyodwa
Inyanga eyodwa ingadukisa. Kungase kuhlanganise iholide, ukulungiswa kwemoto, usuku lokuzalwa, noma impelasonto yamaholide echitha konke. Izinyanga ezintathu zikunikeza isibonelo esingcono sempilo yangempela.
Shayela izitatimende zakho zasebhange nezekhadi lesikweletu ezinsukwini ezingamashumi ayisishiyagalolunye ezedlule. Uma usebenzisa imali njalo, hlola amarisidi noma ubhale phansi lokho okukhumbulayo ngokunembe ngangokunokwenzeka. Umgomo awukona ukuphelela. Umgomo uyisithombe esiwusizo.
Njengoba ubukeza ukuthengiselana kwakho, kuhlele ngezigaba ezibanzi kuqala. Izinkokhelo zerenti, umshwalense, kanye nemali mboleko zifanele izindleko ezihleliwe. Ukudla, igesi, ukudla ngaphandle, ukuzijabulisa, kanye nokuthenga kufanele izindleko eziguquguqukayo. Izinhlelo eziningi zesabelomali nazo zihlukanisa izindleko ezingezona ezenyanga, njengokubhalisela konyaka noma ukulungiswa kwemoto, ngoba kulula ukuzikhohlwa kuze kube yilapho zifika ngokuzumayo. Amathuluzi afana ne-YNAB akhiwe ngokubeka ukuthengiselana ezigabeni nokwenza ngezifiso lezo zigaba ukuze zifane nezinto eziza kuqala kuwe kanye nemikhuba yakho, kunokuphoqelela usayizi owodwa ofanelana nazo zonke izinhlelo. Umhlahlandlela we-YNAB wokuhlukanisa ukuthengiselana uyisibonelo esiwusizo sokuthi le nqubo ingaba nemininingwane engakanani ngaphandle kokuba nzima.
Funa Isikhathi, Hhayi Izingqikithi Kuphela
Yilapho ukuhlaziywa kokusetshenziswa kwemali kuba mnandi khona. Abantu abaningi bayayeka ngemva kokuhlanganisa ingqikithi yezigaba. Lokho kuyasiza, kodwa akuphelele. Ufuna futhi ukufunda uma usebenzisa imali.
Zibuze imibuzo embalwa ewusizo. Ingabe ukuthenga ukudla kuyabiza kakhulu ekupheleni komjikelezo wokukhokha? Ingabe uchitha imali eningi ekuthengeni okulula uma ikhalenda lakho ligcwele? Ingabe izimpelasonto zidala ukwanda okubikezelwayo kokuthengwa okuncane? Ingabe ukuvuselelwa okuzenzakalelayo kuyanqwabelana engxenyeni eyodwa yenyanga?
Indlela yokusebenzisa isikhathi ingachaza ukuthi kungani ukuhlela isabelomali kuvame ukuzwakala kungaguquguquki. Ungase ungabi nenkinga yokusebenzisa imali inyanga yonke. Ungase ube nengcindezi yokusebenzisa imali phakathi nesonto elithile. Uma usukwazi lokho, izixazululo zakho ziba ngokoqobo. Ungashintsha izinsuku zokukhokha izikweletu, ulungiselele ukudla ngaphambi kwezinsuku zakho ezimatasa kakhulu, noma ubeke umkhawulo wamasonto onke wezigaba ezivame ukwanda ngezikhathi ezibikezelwayo.
"Isigaba Sakho Sezinkinga" Kungenzeka Sibe Yisistimu Engekho Ngempela
Abantu bayathanda ukusho ukuthi badinga “ukunciphisa ukusetshenziswa kwemali,” kodwa iseluleko esibanzi ngokuvamile asihlali. Izinhlelo ezithile ziyanamathela.
Isibonelo, uma ukudla okuthathayo kuqhubeka nokwenyusa isabelomali sakho, inkinga ingase ingabi ukuthi uthanda izindawo zokudlela kakhulu. Kungenzeka ukuthi ikhishi lakho alinalutho ngoLwesine, ufika ekhaya sekwephuzile, futhi ukulethwa kwempahla kuyisisombululo esilula. Uma imali yakho yokuzijabulisa iqhubeka nokwenyuka, kungenzeka ukuthi yonke ipulani yokuxhumana nabantu oyenzayo igxile ekukhokheleni okuthile.
Ngamanye amazwi, isigaba sokusebenzisa imali ngokuvamile siwuphawu lokugcina. Iphethini yangempela iphila phezulu ohlelweni lwakho, amandla, imikhuba, noma indawo ohlala kuyo.
Yingakho ukulandelela kubaluleke kangaka. Kukusiza ukuthi uyeke ukuphatha yonke imali njengesinqumo esizimele. Imikhuba yemali ivame ukuvela ezimweni eziphindaphindwayo. Shintsha lezo zimo, futhi ukusetshenziswa kwemali kuvame ukushintsha nazo.
Sebenzisa Amathuluzi Ahambisana Nesikhathi Sakho Sokunaka
Awudingi uhlelo lokusebenza oluphelele ukuze wenze lokhu kahle. Udinga indlela ozoqhubeka uyisebenzisa.
Abanye abantu bathanda izinhlelo zokusebenza zesabelomali ezingenisa ngokuzenzakalelayo ukuthengiselana bese zikuhlukanisa ngezigaba. Abanye bakhetha ispredishithi esilula ngoba sizwakala silula. Abanye basasebenza kahle kakhulu nge-paper spending log, ikakhulukazi uma ukubhala phansi ukuthenga ngakunye kudala ikhefu eliwusizo ngaphambi kokusebenzisa futhi.
I-Penn State Extension iphinde igcizelele ukubaluleka kohlelo lokusebenzisa imali lwanyanga zonke kanye nekhalenda lokugeleza kwemali ukuze kulandelwe ukuthi imali engenayo ifika nini nokuthi izindleko zifika nini, okungenza kube lula ukwenza izinqumo isonto nesonto. Indlela yabo ewusizo iwusizo ikakhulukazi uma imali yakho izizwa inzima ngezikhathi ezithile enyangeni esikhundleni senyanga yonke. Uhlelo lokusebenzisa imali lwanyanga zonke lwe-Penn State Extension lunikeza imodeli eqondile yalolo hlobo lokulandelela.
Ithuluzi elihle kakhulu yilelo elikusiza ukuthi uqaphele amaphethini ngokushesha ngokwanele ukuze uphendule kuwo.
Yakha Isabelomali Esivela Eqinisweni
Uma usuzitholile izindlela zakho, manje usungakwazi ukwakha isabelomali esinethuba lokusinda empilweni yangempela.
Lena yingxenye abantu abaningi abalahlekelwa yiyo. Baqala ngokubeka izinombolo ezifanele, bese bezizwa bekhungathekile lapho imali yabo yangempela ingahambisani. Indlela engcono ukuqala ngalokho okuboniswa amarekhodi akho bese ulungisa kusukela lapho.
Uma uchitha imali eningi ekudleni kunalokho obukucabanga, lokho akulona uphawu lokunciphisa isigaba phakathi ngokuzenzakalelayo. Kungase kusho ukuthi inombolo yakho endala yayingafaneleki. Uma izikweletu zakho zikagesi zishintshashintsha kakhulu kunalokho obekulindelwe, hlela isabelomali sezinga eliphezulu. Uma izindleko zakho ezizinzile sezivele zithatha ingxenye enkulu yengeniso yakho, ithuba lakho langempela lingase libe sekwehliseni ibhili, ukuxhasa kabusha isikweletu, noma ukuhlela izindleko ezinkulu zesikhathi esizayo ngokucophelela, hhayi ekungaphuzi ikhofi.
Isabelomali esakhiwe ngokulandelela okuqotho ngokuvamile asibi kakhulu, kodwa sihlala isikhathi eside kakhulu.
Amaphethini Amancane Adala Imigomo Emikhulu
Esinye sezizathu ezinhle kakhulu zokulandelela ukusetshenziswa kwemali ukuthi kuxhumanisa izinqumo zansuku zonke nemigomo emikhulu ngendlela ebonakalayo. Ukonga imali yesikhwama esiphuthumayo, ukukhokha isikweletu, ukuhlela ukuthutha, noma ukwakha umcamelo wokulungisa ikhaya konke kuba lula uma wazi ukuthi imali yakho iya kuphi njengamanje.
Ngokuvamile, imali eyengeziwe oyidingayo ayifihli izindleko ezinkulu zokuchitha imali. Isakazeke emikhubeni eyishumi noma eyishumi nanhlanu yokuthula ezwakala ijwayelekile ngoba ijwayelekile. Ukuvuselelwa okumbalwa kokubhalisela lapha. Izengezo ezimbalwa ezisheshayo lapho. Izinketho ezimbalwa zokunethezeka ezibizayo isonto ngalinye. Ukulandelela kukusiza ukuthi uqoqe lezo zingcezu zibe inombolo ongasebenza nayo ngempela.
Yilapho intuthuko iqala khona ukuzwakala ingokoqobo. Hhayi lapho uthembisa “ukuba ngcono ngemali,” kodwa lapho ubona ngokucacile ukuthi kwenzekani, ukuthi yini okudingeka ishintshe, nokuthi yiziphi izinguquko okufanele zenziwe.
Ukuqwashisa Okokuqala, Isenzo Sesibili
Ukulandelela indlela osebenzisa ngayo imali akukhona ukuthi ukhathazeke kakhulu ngakho konke ukuthenga. Kumayelana nokususa inkungu. Uma inkungu isiphelile, izinqumo zakho ziba bukhali. Isabelomali sakho siyakholeka kakhulu. Imigomo yakho yokonga ayibe isabonakala ingacacile.
Futhi mhlawumbe okubaluleke kakhulu, uyeka ukubona izimali zakho njengento engahleliwe.
Amaphethini alandisa indaba. Uma ufunda ukufunda leyo ndaba, ekugcineni ungaqala ukuyihlela.
