Indlela yokwenza ibhajethi yemoto entsha
Okuqukethwe
Ukongela imoto entsha noma imoto entsha esetshenzisiwe akudingeki kube umthombo wokucindezeleka. Ngokuhlela okulungile, ungakwazi ukuhlehlisa inqubo ngaphandle kokwenza ukuzidela okukhulu ngokwezimali ngaso leso sikhathi. Yonga kancane futhi kancane ngokwenza ukulungisa okusesilinganisweni emikhubeni yakho yokusebenzisa imali, futhi maduze uzokwazi ukuzuza izinzuzo zokushayela uphume endaweni yokupaka yomthengisi emotweni oyifunayo. Leli ikhono elihle lokufunda nokucija kungakhathaliseki ubudala noma isimo sakho, futhi ungasebenzisa le ndlela cishe kunoma yikuphi ukuthenga okukhulu, okuhlanganisa izimoto zesikhathi esizayo, izikebhe, noma ngisho nezindlu.
Ingxenye 1 kwezi-4: Thembeka kubhajethi yakho
Isinyathelo 1: Faka ohlwini Izikweletu Zakho Zanyanga Zonke Nezindleko. Uma kuziwa ezikweletini ezihluka ngokwesizini, ezifana negesi yemvelo noma ugesi, ungathatha isilinganiso senani lenyanga elisuselwa kulokho okukhokhe onyakeni odlule.
Ungakhohlwa ukufaka igrosa nezinye izindleko zokuzijabulisa; akudingekile ukuba uphile njengendela ukuze wonge imali yokukhokha noma yokukhokha ngokugcwele ngemoto.
Isinyathelo sesi-2: Bala iholo lakho lanyanga zonke. Faka nemithombo engaphandle komsebenzi wakho, njengemali yesondlo noma isondlo sengane.
Bese ukhipha zonke izindleko zakho zenyanga emalini oyitholayo ngenyanga. Lena imali yakho engenayo ongayisebenzisa. Sebenzisa le nombolo ukuze unqume ukuthi yimalini ongakwazi ukuyibekela eceleni ukuthenga imoto entsha.
Khumbula ukuthi akufanele ukusebenzise konke lokhu uma kwenzeka izimo ezingalindelekile, njengokugula okuholela ekuphutheni kwezinsuku emsebenzini, noma ukulungiswa kwemoto yakho yamanje.
Isinyathelo sesi-3: Sebenzisa isofthiwe yebhajethi. Uma ukwenza ibhajethi ngepensela nephepha kungesona isitayela sakho, cabanga ukusebenzisa isoftware yebhajethi, eminingi yayo etholakala njengokulandwa kwamahhala.
Nazi ezinye zezinhlelo ezidume kakhulu zokubala ibhajethi yakho kanye nezindleko zokulandelela:
- BudgetPulse
- i-mint
- I-PearBudget
- Qalisa
- Ingabe udinga ibhajethi
Ingxenye 2 kwezi-4: Nquma izintengo zemoto futhi udale ishejuli yokonga
Ngaphandle kombono wokuthi udinga ukonga malini, awukwazi ukubikezela ukuthi kuzokuthatha isikhathi esingakanani ukonga imali yokuthenga imoto. Lokhu kusho ukuthi kufanele uthenge amawindi kusenesikhathi ukuze uthole umbono wokuthi imoto oyifunayo izogcina ibiza malini.
Isinyathelo 1: Bheka amanani ezimoto. Uma uhlela ukuthenga imoto ngokushesha, ungabheka ama-dealship futhi uphrinte nezikhangiso eziku-inthanethi ukuze uthuthukise impokophelo yokonga.
Uma uhlela ukwenza inkokhelo ephansi, cishe uzogcina usunabadayisi esikhundleni sabantu ngabanye.
Futhi thola ukuthi uzodinga malini ukuze ukhokhe intela yemoto oyifunayo, umshwalense wenyanga yokuqala kanye nezimali zokubhalisa, bese wengeza lokho enanini eliphelele lemali oyidingayo ukuze ulondoloze. Phela ufuna ukushayela imoto usuyithengile.
Isinyathelo sesi-2. Setha isikhathi esifanele ukuze wonge inani elidingekayo.. Uma usuwazi cishe ukuthi yimalini ozoyidinga ukuze uthenge ngokuphelele imoto noma wenze inkokhelo ephansi, ungakwazi ukubala ukuthi kuzothatha isikhathi esingakanani ukuqongelela izimali ezidingekayo.
Thatha inani eliphelele elidingekayo ukuze wenze inkokhelo encane noma uthenge ngokugcwele, kanye nezindleko ezihambisanayo, futhi ulihlukanise ngenani elibaliwe lanyanga zonke ongalilondoloza. Lokhu kubonisa ukuthi zingaki izinyanga ozidingayo ukuze ulondolozele imoto yakho entsha yesikhathi esizayo.
Ingxenye 3 kwezi-4: Namathela Ohlelweni Lokulondoloza
Zonke izinhlelo zakho nocwaningo akusho lutho uma ungabambeleli ohlelweni lwakho lokonga. Akukho ukushoda kwezinto ezingakulinga ukuthi usebenzise imali engaphezu kwesabelomali sakho, ngakho-ke kufanele uthathe noma yiziphi izinyathelo onazo ezizokugcina usendleleni efanele.
Isinyathelo 1: Vula i-akhawunti yokonga ukuze uthenge imoto esikhathini esizayo uma ukwazi.. Lokhu kuzokwenza kube nzima ukuthi ungene esikhwameni sakho semoto uma ulingeka ukuthi usebenzise noma yini phezu kwesabelomali sakho.
Isinyathelo sesi-2: Faka imali yokonga imoto ngokushesha. Uma umsebenzi wakho ikuvumela ukuthi ukhokhe isheke lakho ngqo, ungakwazi nokumisa ukudluliselwa okuzenzakalelayo ku-akhawunti yakho yokonga.
Uma lokho kungeyona inketho, zama ukutshala imali yokonga imoto yakho ngokushesha nje lapho usukhokhelwe ukuze unciphise ubungozi bokuyisebenzisa ngaphambi kwesikhathi. Bese wenza sengathi imali ayikho kuze kuphele uhlelo lwakho lokonga futhi usunemali yokuthenga imoto.
Ingxenye yesi-4 kwezi-4: Hamba uyothenga futhi uthenge
Isinyathelo 1. Phinda ukuthenga imoto ngentengo engcono kakhulu.. Uma usuwonge imali eyanele ukuthenga imoto entsha—kungaba ngokukhokha inkokhelo ephansi noma ukukhokha yonke imali—qaphela ukuthi ungase uthole imoto eshibhile kunaleyo oyilondolozile.
Zinike isikhathi sokuthenga futhi futhi uhlole izinketho esikhundleni sokubeka imali oyilondolozile emotweni yokuqala oyibonayo.
Isinyathelo sesi-2: Hlola izinketho zoxhaso. Kusebenza isimiso esifanayo ekukhetheni inketho yokuxhasa ngezimali uma uhlela ukwenza izinkokhelo zanyanga zonke ngemva kokwenza idiphozi.
Izilinganiso zenzalo ziyahlukahluka futhi ufuna ukukhokha kancane ngangokunokwenzeka ukuze uthole ilungelo lokukhokha imoto yakho kancane kancane.
Njengomthetho, isikhungo sasebhange sikhokhisa amaphesenti aphansi kunomthengisi ngokwawo, kodwa lokhu akunjalo ngaso sonke isikhathi. Hlola nababolekisi abambalwa ngaphambi kokwenza isinqumo nokusayina inkontileka, ngoba uma ususayine ulayini onamachashazi, uzibophezele futhi isikweletu sakho sisemgqeni.
Lapho konke sekushiwo futhi kwenziwa, futhi uphethe izikhiye zemoto yakho entsha ezandleni zakho, konke ukuzidela kwesabelomali okwenzile phakathi nezinyanga ezimbalwa kuzowufanele umzamo. Ngaphezu kwalokho, ungasebenzisa amakhono akho amasha ukuze ulondolozele ukuthenga esikhathini esizayo noma uhlelele umhlalaphansi. Ungakwazi ngisho nokuqhubeka nokusebenzisa inani elifanayo lanyanga zonke olibekele imoto entsha ohlelweni lokonga manje njengoba usulungisele leso sabelomali.
