Ithambeka elidumileyo likaJanuwari ibonakala ingumnqantsa kwaye inzima ukoyisa. Kuzo zonke iindleko ezongezelelweyo zenyanga kaDisemba, kongezwa ukunyuka kwamaxabiso kwiinkonzo ezisisiseko. Ukunyuka kweendleko ezixabisa kakhulu ukujongana nazo kwaye ukuba akuthathelwa ngqalelo, kunokulahla ngokupheleleyo uqoqosho lwasekhaya kwiinyanga ezilandelayo.
Ke ngoko, la maqhinga okugcina ekhaya aya kukunceda ukuba ulungelelanise kakuhle iindleko zakho kunye noko unokoyisa iindleko zikaJanuwari, nokuba ukonga okuthile. Ngamaqhinga amancinci kunye notshintsho lwemikhwa nayo baya kukuvumela ukuba usasaze ngcono iindleko ixesha elide unyaka wonke. Ukuze uphephe ukufika ekuqaleni konyaka ubandezeleka kwiindleko ezongezelelweyo zenyanga kaDisemba.
Iingcebiso zokonga
Ukonga kuyafuneka, kubaluleke kakhulu, kuba nokuba wenza kakuhle kangakanani na ngokwezoqoqosho nangokweengcali, isiganeko esingalindelekanga singenzeka nangaliphi na ixesha. Ukuba nomandlalo omncinci ogciniweyo luxolo lwengqondo, luxolo lwengqondo kwaye lukhuseleko. Nokuba ucinga ukuba ungagcina kangakanani na, kuba ii-payrolls zidla ngokuba mfutshane kakhulu ukuba zinde kangakanani iinyanga. Kwimikhwa yabathengi kulapho unokugcina imali encinci (okanye enkulu) ekugqibeleni iya kuba yinto ebalulekileyo.
Hlola iindleko zakho
Amaxesha amaninzi imali ibaleka kwiindleko ezingeyomfuneko esingazithatheli ngqalelo. Ukuthintela oku, kubaluleke kakhulu ukwazi ngokucacileyo zithini iindleko eziyimfuneko kunye nezingezizo, kuba ngaloo ndlela sinokukuphepha ukulahlekelwa yimali nyanga zonke. Bhala phantsi iindleko ezimiselweyo, ezo zeenkonzo neentlawulo ezingatshintshiyo nyanga nganye. Thatha i-akhawunti uze ubhale phantsi imali, ukuba imali yinkcitho eqhelekileyo ekufuneka ihlawulwe nyanga zonke.
Ngoku bala malunga nokuba zithini na iindleko ezikwinqwelo yokuthenga, ukuba uhlawula ngekhadi, sebenzisa elo thuba ukuze ube nenani elichanekileyo. Thatha ithuba lokuba ujonge kwiakhawunti yebhanki ukuze ubone zonke iindleko ezenziweyo kwaye bezingeyomfuneko. Iyakumangalisa ngokuqinisekileyo imali oyichithe kwizinto ongazidingiyoNgenxa yokungabi noqikelelo olulungileyo.
Cwangcisa ukutya kweveki
Ezinye ii-euro ezilungileyo zingena kwibhasikithi yokuthenga rhoqo ngenyanga, ngakumbi xa oko kuthenga kungacwangciswanga kakuhle. Into enengqondo ukusukela ukuba akunjalo ucwangcisa ukutya yeveki, kunzima ukwenza ukuthenga ngokufanelekileyo. Ayikokugcina ukutya, okanye ukunciphisa umgangatho wokutya kosapho. Imalunga ne cwangcisa imenyu, khangela iipantries kwaye wenze uluhlu yokuthenga okufanelekileyo nokuyimfuneko. Ngale ndlela uyakuphepha ukuthenga izinto ezincinci evekini apho ii-euro ezininzi ziya kwizinto ezingeyomfuneko.
Yonga ekusebenziseni amandla
Amandla akwixabiso eliphakamileyo, yonke imihla iyatshintsha kwaye yonke imihla iyenyuka. Ke ngoko, kubaluleke kakhulu ukwazi iiyure zenkcitho enkulu yamandla ukuze ukuze ukwazi ukonga kwityala lombane. Kulula kakhulu kuba yonke imihla ipapashwa kwi-BOE, kufuneka uqhagamshelane newebhusayithi ye I-Red Eléctrica de España. Ukunciphisa ukusetyenziswa kwamandla okongeziweyo ngamaxesha aphakamileyo, kwaye unokulinciphisa ityala lakho lombane.
Lumkela ukuthengisa
Emva kweeholide iintengiso zasebusika zifika kwaye kubonakala ngathi zinyanzelekile kwaye wonke umntu kufuneka achithe i-avareji yenkcitho yakhe ukuze ahambelane nezibalo ezisemthethweni. Into eyongeza ngokungathandabuzekiyo iindleko ezingeyomfuneko ezenza nzima ngakumbi ukuthambeka kukaJanuwari. Thenga kuphela izinto ozifunayo. Iintengiso zilungile kakhulu ukonga kwizinto ezibalulekileyo. Ukuba akukho nanye, kuphephe ukuhendwa kwaye unokudlula kwinyanga yokuqala yonyaka ngemali ebhankini.
Imali iyimfuneko kwaye iyinto enqabileyo kuninzi lwabantu abaninzi. Ke ngoko, kubalulekile ukufunda indlela yokusingatha ngokuchanekileyo ukuze ikwazi ukuzalisekisa umsebenzi wayo ngaphandle kokuba yingxaki. Ngala maqhinga, unako funda ukusebenzisa imali encinci kwaye wandise ukonga kwakho.