Izibhengezo
Ukuphela konyaka kuyasondela, kwaye kunye nako kuza nemingeni yezemali eqhelekileyo ngeli xesha. Imibhiyozo, izipho kunye neendibano zinokuwuxinzelela uhlahlo-lwabiwo mali, nto leyo efuna ucwangciso nolawulo. Nokuba imali yakho ilawulwa kakuhle, ukulawula ezi ndleko zongezelelekileyo kufuna ingqalelo neqhinga.
Kubalulekile ukuvavanya imeko yakho yezemali yangoku uze umisele umda weendleko ongayi kuchaphazela iindleko zakho ezibalulekileyo zenyanga elandelayo. Ukuze ulawule kakuhle, kubalulekile ukubhala phantsi zonke iindleko. Oku kukunika umbono ocacileyo womda wakho wezemali. Ukongeza koko, ungalibali ukuqwalasela iindleko zokuqala konyaka, ezifana neerhafu nezinto zesikolo. Ukubeka phambili iindleko ezibalulekileyo, njengendawo yokuhlala nokutya, kubalulekile ukuze ugcine impilo entle yezemali.
Izibhengezo
Jonga Okungakumbi: Utshintsho kwintlawulo yesondlo. Qonda
Amaqhinga ohlahlo-lwabiwo mali olulinganayo
Ukumisela uhlahlo-lwabiwo mali olusengqiqweni sisitshixo sokujongana neendleko zokuphela konyaka. Hlalutya imali yakho uze umisele elona xabiso liphezulu oza kulichitha, ngaphandle kokuchaphazela iimfuno zakho ezisisiseko. Khumbula ukuba kubalulekile ukubandakanya kwi sicwangciso iindleko zokuqala konyaka olandelayo.
Itekhnoloji ekuncedeni ukulawula iindleko
Kwixesha ledijithali, sinee-app kunye nezixhobo zetekhnoloji ezinokuba ngamaqabane amakhulu kulawulo lwezemali. Ii-app zolawulo lwezemali lukhetho oluhle kakhulu, kuba zikuvumela ukuba ulandele iindleko, umisele iinjongo kwaye zikulumkise xa usondela kumda weendleko. Umzekelo, i-app Serasa inika isixhobo esithi “Ii-Akhawunti Zam”, esithumela izaziso malunga nee-invoyisi ezikhutshwe phantsi kwe-CPF yakho, nto leyo eyenza kube lula ukuququzelela ezemali.
Ukujongana neendleko zokuphela konyaka kufuna ucwangciso olunononophelo nolusengqiqweni. Beka phambili iindleko ezibalulekileyo, misela uhlahlo-lwabiwo mali uze usebenzise izixhobo zetekhnoloji ukuze ugcine ulawulo. Ngale ndlela, uya kukwazi ukonwabela imibhiyozo ngaphandle kokubeka emngciphekweni impilo yakho yezemali.
