U-2021 sele eza kuphela kwaye, nangona udlula njengokuncwina, njengaminyaka yonke, imali isenokungabi ntle njengakwiminyaka edlulileyo. Ngoko ke, kulungele ukusebenzisa ezinye iingcebiso zezimali zomntu zowama-2022.
Kwimeko apho ungazi, umbutho, kunye noqikelelo, inokuba yeyona nto ibalulekileyo ekuqinisekiseni ukuba awusileli kwi-solvency yezemali kunyaka ozayo. Ngenxa yoko, kwezi nyanga zokugqibela zonyaka abantu abaninzi banenkxalabo malunga nokuba banayo na Iakhawunti yomvuzo, inkxaso-mali efikelelekayo okanye utyalo-mali olunokuhlawula. Kodwa uyenza njani? Apha siza kukunika amaqhinga ukuze ukwazi ukucwangcisa imali yakho.
Yenza uluhlu lweendleko kunye nengeniso
Okokuqala, kufuneka sazi ukuba siqala ngantoni. Koko kukuthi, yeyiphi ingeniso esiza kuthi kwaye zeziphi iindleko esinazo.
Ngoko ke, yenza uluhlu lwawo wonke umvuzo wenyanga onawo. Kubalulekile ukuba uxelele yonke into, nangona sisazi ukuba, ngamanye amaxesha, kunokubakho ingeniso eyongezelelweyo eya kuhlala iluncedo.
Kwelinye icala, kufuneka wenze olunye uluhlu kunye nazo zonke iindleko. Wonke umntu. Ngaphandle kokukhetha. Njengomvuzo, ngokuqinisekileyo kukho iziganeko ebezingalindelekanga, njengokuwohloka kwemoto, ugqirha wamazinyo ekufuneka ehlawule okanye nantoni na. Sukuba nexhala lokuba uyakuyithathela ingqalelo kamva.
Kwaye kutheni sifuna uluhlu lweendleko kunye nengeniso? Okokuqala, yintoni yilumkele into onayo kunye nento oyichithayo. Le fomu ibonwayo inokukunceda ukuba wazi ukuba uchitha ngaphezulu kunento oyibizayo, okanye ukuba ubiza ngaphezu kokuba uchithe. Kwaye linyathelo lokuqala ukuze imali yakho yobuqu ibe "nomzimba" kwaye uyazi ukuba uyagcina okanye uyamosha.
Kodwa kukho nesinye isizathu soku: ukuba unokumisela uqingqo-mali. Kwaye yintoni leyo?
Khawufane ucinge ukuba ubiza i-1000 ye-euro yomvuzo, kwaye uneendleko ze-euro ezingama-500. Oko kukuthi, uyakuba nogcino lwe-500 ye-euro ngenyanga. Ngoku, oko akuthethi ukuba uza kuyigcina yonke loo mali (eneneni unako), kuba ngokuqinisekileyo ngamaxesha athile ufuna ukuziyolisa. Kodwa kukulungele ukuba ulondoloze inxalenye yayo kuba loo nto iya kuba yinxalenye yemeko enokwenzeka ukuba kunokwenzeka ube neendleko ezingalindelekanga.
Iqhinga lemvulophu
Xa kufikwa kwiprogramu yezemali zakho zobuqu, enye yeendlela ezisebenza kakuhle kakhulu yile yemvulophu (enokuthi yenziwe ngenyani ukuba awunayo imali ebonakalayo).
Imvulophu enye iya kuba yingeniso. Kwaye ke unayo imvulophu ezininzi: enye yeyeendleko, enye yeyeendleko, enye yeyezinto ezingalindelekanga, enye eyeemvulophu, enye yeyemali. Into ekufuneka uyenzile kukusasaza imivuzo onayo kwiimvulophu ezahlukeneyo inyanga nenyanga. Ngaloo ndlela, ekupheleni konyaka, uya kuba nemali egciniweyo, kunye neemali zobuqu ezinempilo ukuba akukho nto inzima eyenzekayo.
Kuphephe ukuba namatyala ngokugqithisileyo
Oku kunzima kakhulu ukufezekisa, kodwa ngenxa yoqoqosho lwakho, kufuneka ucace malunga noko. Kwaye yiloo nto xa unekhadi letyala okanye debit, okanye iakhawunti yebhanki ohlawula ngayo yonke into, kuba nzima ngakumbi ukulawula iindleko. kwaye ngamanye amaxesha uphela usematyaleni ngokugqithisileyo.
Ingaba ithetha ntoni? Ewe, uchithe ngaphezulu kunomvuzo wakho. Ukuba unogcino-mali, akukho nto yenzekayo, nangona inganciphisa loo matrasi wezoqoqosho onawo; Kodwa kuthekani ukuba awunayo? Ubuya kufaka oko kubizwa ngokuba "neenombolo ezibomvu." Kwaye akukho mntu ufuna ukuba kubo.
Ngoko, kangangoko kunokwenzeka, zilawule iindleko zakho kakuhle ukuthintela le ngxaki.
Imfundo yezemali, inkalo ebaluleke kakhulu ekungekho mntu uthetha ngayo
Kwimali yobuqu, ekuphela kwezinto ezaziwa kakuhle ngumvuzo kunye neendleko. Oko kukuthi, yintoni efunyenweyo kunye nento esetyenzisiweyo. Akusekho. Kodwa inyaniso kukuba ukuba ufuna ukugcina kunye nokutyala imali ngobulumko, kubaluleke kakhulu ukuba nolwazi olusisiseko lwemali.
Ngale ndlela unako ukuphatha amakhadi akho ebhanki ngcono kakhulu, uya kuyazi ukuba yeyiphi eyona akhawunti yebhanki ilungileyo kuwe kwaye uya kukwazi ukuthetha ngolwazi olungakumbi kunye neebhanki ukukhetha iimveliso ezilungileyo zemali.
Ukuba awunalo olo lwazi, uya kuthemba nje oko bakuxelela kona, kodwa ngaba uya kusindisa? Mhlawumbi akunjalo.
Fumana umvuzo kunye neemveliso ongasazifuniyo
Kwimali yobuqu, enye indlela yokufumana imali eyongezelelekileyo kukusebenzisa ezo zinto singasazifuniyo, esingazisebenzisiyo okanye esingazidingiyo. Oko kukuthi, siba ngabathengisi ukufumana imali kwinto eqokelela uthuli kuphela endlwini yakho.
Yikholelwe okanye ungayikholelwa, yi ukuziqhelanisa nefashoni ngo-2021 kwaye ngo-2022 kuya kuhlala kunjalo, okanye nangaphezulu ekunyukeni, ngoko inokuba luluvo oluhle ukwenza uluhlu lweemveliso ongasazifuniyo kwaye uthatha indawo endlwini yakho. Kwelinye icala, uya kufumana imali ukuba uyazithengisa; kwaye, kwelinye icala, uya kuzifumanela isithuba.
Lindela iindleko zakho ezongezelelweyo
Ewe, siyayazi, uzakuqikelela njani ukuba awuzazi ukuba zeziphi iindleko oza kuba nazo? Yinyani. Kwaye kwangaxeshanye akunjalo.
Kukho uluhlu lweendleko esaziwa ngokuba sinazo, ezingezizo ezo ziqhelekileyo, nezithi zenzeke minyaka le ngosuku olunye: ihlobo kunye neeholide zakho; IKrisimesi kunye nezipho; ngoSuku lweValentine kunye nesipho oye wacinga ngaso… Uyayiqonda? Ezo ndleko zingaphezulu, ewe, kodwa zinokuqikelelwa.
Kwaye kulapho umbutho ngokwawo ungena khona, Kwiinyanga ezimbalwa ngaphambi koko, qalisa ukugcina, umzekelo ngenye imvulophu, loo nto ikhethekileyo ezayo. Sinokwenza okufanayo kunye nexesha lokuthengisa, kunye noLwesihlanu omnyama, uMvulo weBlue kunye nezinye iziganeko apho, ekugqibeleni, siluma ukuthenga into.
Ugcino oluzenzekelayo
En los Iibhanki zingabacela ukuba badlulisele inxalenye yengeniso kwi-akhawunti yokonga. Oko kuthetha ukuba xa ubona iakhawunti yakho, awuyi kubona loo 10% kwaye awuyi kuba nayo. Ekuhambeni kwexesha, olo londolozo lunokwenza umatrasi okhululekileyo xa kwenzeka nantoni na engalindelekanga.
Njengoko ubona, zininzi iingcebiso ngezemali zakho zobuqu ezinokukwenza uphume ngo-2021 ngcono kwaye u-2022 angabi yenye i-slab, ngokuchaseneyo! Ngaba uyathandabuza? Sazise kwaye siya kuzama ukukunceda.