Iinethiwekhi zentlalo ziye zaphawulwa kwiminyaka yakutshanje ngokuthumela. Wonke umntu ubonisa ubomi obubonakala buphelele apho yonke into ibahambela kakuhle kwaye imali ayisoze ibe yingxaki. Ukujongana nalo mbono ungeyonyani wenyani, intshukumo okanye umkhwa owaziwa ngokuba uhlahlo lwabiwo-mali olungxolayo.
Imalunga nokwenza kanye ngokuchaseneyo noko bekusenziwa kude kube ngoku. Oko kukuthi, ukubonisa ukuba inyaniso yezoqoqosho yabantu inzima kwaye ayilingani, kwaye akukho nto iphosakeleyo ngokubeka uhlahlo lwabiwo-mali lwenyanga kunye nokunamathela kulo.
Lukas Battle, ingcamango yale ntshukumo
Ekupheleni kuka-2023, uLukas Battle wacacisela abalandeli bakhe kwiTikTok ukuba ugqibe ekubeni anyaniseke kubahlobo bakhe kwaye abaxelele ukuba akanakuphuma aye kutya nabo, ekubeni uhlahlo lwabiwo-mali lwakhe lwemihla ngemihla lwaluzii-euro ezintandathu.
Akazange abhekisele kweli gama “uhlahlo lwabiwo-mali olunengxolo”, Kodwa ibe negalelo ekomelezeni indlela yokuphila eyongayo, apho kungekho nto inobunewunewu. Into ehambelana ngcono nenyani yesizukulwana uZ, esinobunzima obukhulu ekufumaneni umsebenzi ozinzileyo.
Ingcamango esisiseko yile yeka ukufuna ukunika ingcamango yokuba uchitha imali eninzi, kwaye uqhubeke ubonise indlela yokuphila ehlengahlengisiweyo kwimivuzo yangempela kwaye apho amatyala aqhelekileyo.
Intshukumo echasene nokuthengwa kwabathengi
Umlo wachaza kudliwanondlebe ukuba ividiyo yakhe yentsholongwane yavela xa wafumanisa ukuba utyala imali eninzi kunokuba wayecinga, kwaye wayesazi ukuba ngo-2024 kufuneka anciphise iindleko zakhe. Emva koko wagqiba ekubeni abelane ngoku nabalandeli bakhe.
Kwaye wafumanisa ukuba kukho abantu abaninzi abakwimeko efanayo. Umlo awuyongcali yezoqoqosho, Kodwa ungumntu onomthamo owaneleyo wokuqonda ukuba ukugcina indlela ethile yokuphila, nangona ngenxa yembonakalo, kunokuba sisigqibo esibi kakhulu esinokusenza ngokwemali.
Njengoko abantu besazi ngakumbi imeko yabo yezemali kwaye besuka kude kubathengi, umbono wokuba nohlahlo lwabiwo-mali lwenyanga kunye Ukukhangela iindlela zokonga kuba ngumkhwa.
Yiyo loo nto igama elithi "uhlahlo lwabiwo-mali olunengxolo," kuba kubandakanya ukwenza ingxolo kumajelo asekuhlaleni. Mababonakale abantu abathethele indlela yokuphila enobunewunewu obumbalwa kwaye cYabelana ngamava akho nabanye.
Ukusetyenziswa okugqithisileyo okuhlala kukhuthazwa yiintanethi zentlalo, kwaye oko kusisiseko sobukho beshishini elinempembelelo, kufumene umqobo obalulekileyo TikTok. Kaloku ngoku into ekhuthazwayo ayichithi mali.
Ungajoyina njani lo mkhwa?
Inyathelo lokuqala lokujoyina le ntshukumo kunye nokuphucula iimali zakho zobuqu kukucaca malunga nomvuzo wakho kunye neendleko zakho zenyanga. KUNYE Kulula njengokuthatha iphepha kunye nepensile kwaye wenze izibalo, okanye usebenzise i-spreadsheet.
Kwelinye icala, bhala yonke ingeniso oyifumanayo ngenyanga. Ukuba uhlala nabanye abantu, yongeza iimali ezifunyanwa ngumntu ngamnye.
Emva koko kufuneka urekhode iindleko, kwaye oku kunzima ngakumbi. Ngenxa yokuba kukho ezisisigxina ukanti ezinye azinjalo.
Iindleko ezisisigxina kulula ukuziphendulela. Ngokubhekiselele kwizinto eziguquguqukayo, kunomdla ukuzama ukukhupha umyinge wenyanga. Kwimeko yeendleko ezingenzekiyo inyanga nenyanga (ezifana nokuhlawula irhafu okanye i-inshorensi), Uyacetyiswa ukuba wahlule isixa sakho sonyaka nge-12, ukusasaza ezo ndleko unyaka wonke.
Ukuba sithabatha iindleko kwingeniso, sele sisazi ukuba yintoni na indawo yokuqala. Ukusuka apho kufuneka silungiselele uhlahlo lwabiwo-mali olusivumela ukuba sihlawule ezi ndleko kwaye, kwangaxeshanye, gcina kancinci. Ngoko ke, kuya kufuneka ukulungisa iindleko:
- Susa iindleko zeembovane okanye uzinciphise zibe buncinci. Zezo ezingeyomfuneko ngokwenene, njengale nto uyichitha ngenyanga usela ikofu ngaphandle ngexesha lomsebenzi wakho. Ukuba uthenga i-thermos, uya kunciphisa kakhulu indleko.
- Zibeke phambili iindleko zakho. Qinisekisa ukuba zeziphi iindleko eziyimfuneko ngokwenene ekufuneka uzihlawule nokuba kwenzeka ntoni na.
- Khangela iimveliso okanye iinkonzo ezingabizi kakhulu. Xa kufikwa kwiindleko ezimiselweyo neziyimfuneko, zama ukunciphisa isixa sazo ngokuthenga iimveliso ezinexabiso eliphantsi okanye iinkonzo ezinexabiso eliphantsi. Umzekelo, tshintsha inkampani yefowuni yakho iye kwixabiso eliphantsi, okanye ugalele i-petroli kwisikhululo segesi esinamaxabiso aphantsi kunale uqhele ukuyindwendwela.
- Guqula ukonga ube yinkcitho. Gqiba ukuba uza konga malini nyanga nganye, uze ulawule le nto ngokungathi yinkcitho ebalulekileyo. Nje ukuba uhlawulwe, faka loo mali kwi-akhawunti yokutshekisha oya kuyisebenzisa kuphela ukuyigcina.
Ngoku sele ululungisile uqingqo-mali lwakho, lixesha lokuba wenze umzamo wokululandela. Kuba akuloncedo ukuba nesicwangciso ukuba awunamathelanga kuso kamva. Ngokucacileyo kuya kufuneka wenze imibingelelo ukuze ube yinxalenye yentshukumo enengxolo yohlahlo lwabiwo-mali, kodwa uya kukwazi ukuphucula umgangatho wobomi bakho kunye nemeko yakho yezoqoqosho.
Amanye amaqhinga okugcina
Ukulungelelanisa uhlahlo lwabiwo-mali lwakho kuya kuba lula kuwe ukuba ulandela izikhokelo ezithile ezisisiseko zokonga. Sifumanisa ezi zinto siziqulunqele wena ziluncedo kakhulu.
- Hlawula amatyala akho. Ukuba unamatyala anenzala, anjengemali-mboleko okanye amakhadi okuthenga ngetyala, zama ukubeka phambili ukuwahlawula. Cinga ukuba, xa sele zihlawulwe, uya kuba namandla amakhulu okuthenga.
- Thenga ngobulumko. Cwangcisa iindleko zakho, thelekisa amaxabiso kwaye ujonge amaxabiso kunye namakhuphoni. Qwalasela ezinye iindlela zokonga ezinjengokuthenga iimveliso ezisetyenzisiweyo.
- Kuphephe ukuthenga into oyibonayo. Xa kubonakala umnqweno wokuthenga into ongayifuniyo, zinike iiyure ezingama-24 zokubonisa. Emva kwelo xesha, ngokuqinisekileyo uya kuqonda ukuba le nkcitho yayingeyomfuneko ngokwenene, kwaye uya kuziva unelunda ngawe ngolawulo oluphuhlisayo.
- Misela usuku olungachithi mali. Zibekele usuku olunye ngeveki xa uthembisa ukuba akuyi kuzenza iindleko ezingeyomfuneko kwaphela.
- Jonga ii-invoyisi zakho. Jonga ukuba uhlawulela ntoni na ngeenkonzo zekhontrakthi kwaye ujonge ezinye iindlela zokonga. Uyitshintsha njani inkampani yombane okanye inkampani yeinshurensi.
Uhlahlo lwabiwo-mali olungxolayo yintshukumo esimema ukuba siyiqaphele imeko yethu yezemali kwaye sithathe amanyathelo alula nasebenzayo ukuyiphucula. Ngaba ujoyina lo mkhwa?