Ukuhlala nabanye abantu kungaba yindlela engcono kakhulu yokusindisela imali yakho, ikakhulukazi uma amanani okuqasha ephezulu kakhulu futhi ungakwazi ukukhokhela indawo yonke. Kodwa-ke, ukusuka ekuhlaleni wedwa noma nomndeni kuya ekwabelaneni indawo kuhilela okungaphezu nje kokuthola ifenisha efanele: ukuphatha imali ngaphandle kokonakalisa isimo sokuphila . Izingxabano eziningi ezifulethini ezihlanganyelwe azibangelwa ukuntuleka kwemali, kodwa zibangelwa ukungabeki imingcele ecacile kusukela ekuqaleni.
Ukuze kugwenywe ukungezwani lapho kufika ibhili lokuqala likagesi, kubalulekile ukuhlala phansi nixoxe futhi nimise imithetho efanele yawo wonke umuntu. Akukhona nje ukuhlukanisa izindleko ngenani labantu, kodwa mayelana nokuvumelanisa ukusatshalaliswa nezimo zomuntu ngamunye kanye nezici zempahla. Uma nizihlela kahle kusukela ekuqaleni, nizogwema lezo zingxoxo ezingathandeki kanye nomuzwa wokuthi othile ukhokha okungaphezu kwesabelo sakhe esifanele.
Yiziphi izindleko okufanele uzicabangele ngempela?
Ngaphambi kokukhipha i-calculator, udinga ukwenza uhlu oluphelele lwezindleko zakho. Akuzona zonke izinto ezihlukaniswe ngokulinganayo ngoba akuzona zonke izinto ezisetshenziswa ngendlela efanayo. Singazihlukanisa lezi zindleko zibe yizigaba ezintathu eziyinhloko. Okokuqala, kunezindleko ezizinzile ezifana nerenti kanye, kwezinye izimo, izimali zomphakathi uma umninindlu engazimbozi. Bese kuba nezinsiza eziguquguqukayo, okungugesi, amanzi, kanye negesi, izindleko zazo ezishintshashintsha kuye ngesizini kanye nokusetshenziswa komuntu ngamunye. Okokugcina, kunezinsizakalo zentengo ephansi, njenge-inthanethi ye-fiber optic noma ukubhalisa kokusakaza okwabiwe.
Amasu okuhlukanisa irenti kanye nezinsiza
Irenti iyindleko enkulu kunazo zonke, futhi akulungile ngaso sonke isikhathi ukuyihlukanisa ngokulinganayo. Uma igumbi elilodwa liyisigodlo esinethala kanye negumbi lokugezela elingaphakathi, kanti elinye liyindawo encane engalingani kahle nombhede, kunengqondo ukulungisa irenti ngokwesilinganiso noma izinsiza. Isihluthulelo ukuba nesivumelwano esiqinile futhi singashintshi njalo ezinyangeni ezintathu ukuze kugwenywe ukungezwani.
Uma kukhulunywa ngogesi, amanzi, kanye negesi, ikhambi elilula kakhulu ngokuvamile ukuhlukaniswa okulinganayo. Ukuzama ukulandelela ukuthi ubani oshawe kaningi noma osebenzise isitofu esiningi kuyindlela yokudala inhlekelele futhi kuholela enkambisweni yokubala ekhathazayo ngokomzwelo . Kodwa-ke, kunezimo lapho ukuhlukaniswa okulinganayo kungalungile, njengalapho othile esebenza isikhathi esigcwele kude futhi ukusetshenziswa kwakhe kokushisa noma komoya opholile kukhuphuka kakhulu, noma lapho osebenza naye ehamba izinyanga eziningana e-Erasmus exchange. Kulezi zimo, indlela enengqondo ukunciphisa izindleko zesevisi eziguquguqukayo zomuntu ongekho, noma ngabe izinsizakalo ezihleliwe njenge-inthanethi ziqhubeka nokukhokhwa ngokugcwele.
Isikhwama esivamile: isikhali esingcono kakhulu sokulwa nezimpikiswano
Enye yezindlela eziphumelela kakhulu zokugwema impikiswano engapheli ethi "Ngikukweleta ama-euro amahlanu" ukudala isikhwama esabiwe. Lokhu kuhilela ukuthi ilungu ngalinye linikele inani elinqunyiwe njalo ngenyanga (isibonelo, ama-euro angu-20 noma angu-50) ukuze kuhlanganiswe izinto zokuhlanza nezinto eziyisisekelo ezifana nephepha langasese, insipho, noma amalambu okukhanyisa. Ngale ndlela, akekho ozizwa sengathi kuhlale kungumuntu ofanayo oya esitolo esikhulu ukuyothenga insipho yezitsha.
Ngokudla, kunezindlela ezimbili ongakhetha kuzo. Uma ninezinhlobo zokudla ezihlukene kakhulu noma amashejuli enu engahambisani, kungcono ukuthi ngamunye wenu athenge izinto zakhe futhi abelane ngezinto eziyisisekelo njengowoyela noma usawoti. Kodwa uma nivame ukupheka ndawonye, ​​​​ningabeka isabelomali senyanga esihlanganyelwe futhi nilandele irisidi ngayinye ukuze niyihlukanise ekupheleni kwenyanga.
Ukuphathwa kwenkontileka kanye nobunikazi
Iphuzu elibalulekile cishe okungekho muntu olikhulumayo ukuthi ubani obhala igama lakhe ezinkontilekeni. Umnikazi we-akhawunti unesibopho ngokomthetho enkampanini yezinsizakalo ngakho-ke uthatha ingozi. Ukuze kulinganiswe lokhu, kunezinketho eziningana: umuntu oyedwa angaba ngumnikazi we-akhawunti kodwa athole inkokhelo kwabanye kusenesikhathi nge- oda lokukhokha ; umuntu ngamunye ohlala naye angaba nesibopho sesevisi ehlukile (eyodwa kagesi, enye yamanzi) ukuze babelane ngomthwalo wemfanelo; noma izinsiza zingafakwa erentini ngomkhawulo wokusetshenziswa okuvunyelwene ngawo.
Amathuluzi edijithali okugcina ama-akhawunti
Ukulandelela konke okusekhanda lakho akunakwenzeka. Kulezi zinsuku, kunezinhlelo zokusebenza ezikwenzela umsebenzi onzima. I-Splitwise kanye ne-Tricount yizona ezithandwa kakhulu ngoba zikuvumela ukuthi urekhode izindleko ngokushesha futhi ubale ngokuzenzakalelayo ukuthi ubani okweleta bani. Kulabo abafuna okuthile okuthuthukile, i-Splid ikuvumela ukuthi usebenze ungaxhunyiwe ku-inthanethi, kanti i-Goodbudget ikusiza ukuthi uphathe isabelomali sakho sanyanga zonke. Ukuze ukhokhe izikweletu, ukusebenzisa i-Bizum kuyindlela esheshayo nelula kakhulu eSpain, njengoba inikeza irekhodi elisheshayo lokukhokha.
Idiphozithi kanye nemicimbi engalindelekile
Idiphozithi yesibambiso akuyona imali eningi, iyidiphozithi. Kubalulekile ukuba nesivumelwano esibhaliwe esichaza ukuthi umuntu ngamunye unikele malini nokuthi kwenzekani uma othile ephuma endlini kusenesikhathi; ngokuvamile, umqashi omusha ukhokhela umqashi ohambayo isabelo sakhe. Ukuze ugweme izingxabano ekupheleni kwesivumelwano sokuqasha, icebo eliyisiwula ukuthatha izithombe zefulethi lonke ngosuku lokuqala bese uzigcina kufolda ehlanganyelwe. Ngaleyo ndlela, uma umninindlu efuna ukukhipha noma yini ediphozithini, uzoba nobufakazi besimo sangempela sendawo.
Izivumelwano eziyisisekelo zosuku lokuqala
Ukuze kuqinisekiswe ukuthi kuhlelwe kahle ukuphila, kuyalulekwa ukuthi kuqedwe la maphuzu amahlanu ngaphambi kokungena: ukuthi izindleko zizohlukaniswa kanjani, ukuthi ubani ozoba ngumnikazi we-akhawunti yezinkontileka, inani lemali ehlanganyelwe, ukuthi ukungabikho isikhathi eside kuzosingathwa kanjani, nokuthi yini edala izindleko ezingavamile. Uma uhlela izinto kahle, ungavula ngisho ne -akhawunti yasebhange ehlanganyelwe kwelinye lamabhange aphezulu eSpain ikakhulukazi ezindleko zasekhaya, ngamunye wenu enze ukudluliselwa okuzenzakalelayo ekuqaleni kwenyanga.
Ukuba nohlelo olucacile, kungaba ngezinhlelo zokusebenza, izimali ezabiwe, noma ama-akhawunti ahlangene, kuguqula izimali zomndeni zibe yinto esobala. Lapho ukuxhumana kubekwa phambili futhi kumiswa imithetho ebhaliwe mayelana nerenti kanye nezinsizakusebenza, imali ayibe yinkinga futhi iba ithuluzi elenza kube lula ukuvumelana phakathi kwabalingani.