Ukuthatha izinyathelo zokuqinisa isikhundla sakho sezezimali ngeke nje kukusize ukulungiselela uma ukungasebenzi kwakho kuthatha isikhathi eside kunokulindelwe; kuzokusiza ukuthi uqalane nokungaqiniseki ngokomzwelo ngokukunika umqondo omkhulu wokulawula izimo zakho.
Nakhu okuyisikhombisa okushukumisayo okumele ukwenze ngokushesha ngangokunokwenzeka.
1. Qaphela izinto eziyisisekelo. Uma ungakafiki kakade, qinisekisa ukuthi izidingo zakho zezimali ezisheshayo, njengengeniso yokungasebenzi kanye nomshuwalense wezempilo, zinakekelwa. Uma usebenza enkampanini enezisebenzi ezingaba ngu-20 noma ngaphezulu, kufanele ukwazi ukuqhubeka okwesikhashana umshuwalense wakho wezempilo ngaphansi komthetho obizwa nge-COBRA; Kodwa-ke, umshuwalense ngaphansi kwe-COBRA kungabiza. Uzoba okungenani izinsuku ezingu-60 ukukhetha ukumbozwa futhi uzokwenziwa ngokushesha nje lapho umshuwalense wakho omdala uphela. Uma umlingani wakho esenomshuwalense oqashiwe ngumqashi, kufanele ube nezinsuku ezingu-30 zokudlulisela ohlelweni lwakhe. Noma, uma uhlela ukubhalisa ku-Obamacare, kuzodingeka ubhalise kungakapheli izinsuku ezingu-60 ngemuva kokulahlekelwa umsebenzi wakho-ngaphandle kokuthi ukulahlekelwa umsebenzi kuhambelana nenkathi yokubhalisa evulekile. Uma kunjalo, isimo sakho singakunika okungenani izinyanga ezintathu ukuba ubhalise ohlelweni olusha.
Kuye ngemali engenayo, wena noma othandekayo bakho bangase bafanelekele ukukhokhelwa nge-Medicaid noma Uhlelo lwe-Insurance Health yezingane. Kumele futhi ufake isicelo sakho ngokushesha ngehhovisi lakho lomsebenzi ukuze uqale ukuthola izinzuzo zokungasebenzi .
2. Hlela eceleni ukuyeka kwakho. Uma unikezwe iphakheji yokuhlukanisa, wabeka leyo mali engenayo futhi ungayithinti ngaphandle kokuthi ufanele.
Ungayisebenzisi ngezinsuku zokuhlala emsebenzini noma ngisho nezindleko eziyisisekelo uma kungenzeka. Ngaphandle kokuba usuvele wakha imali eyanele yokweseka iminyaka uma uthola umzabalazo ukuthola omunye umsebenzi, kufanele uzame ukusindisa ukukhululeka kwakho okuningi ngangokunokwenzeka-uma nje udinga ukufaka ukungenisa imali yakho isikhathi eside kunalindelekile . Uma une-resume eqinile, kufanele ulindele ukuthola umsebenzi isikhathi eside ngaphambi kokuba umshuwalense wakho wokungasebenzi ungaphumi. Kodwa-ke, njalo kungenzeka ukuthi uzozikhandla ukuthengisa amakhono akho kumqashi omusha, noma ukuthi umnotho uzobe ubala uma ungasebenzi. Esikhundleni sokucabangela njengento yokucubungula, cabanga ngephakheji yakho yokuhlukanisa njengepharadesi esiphuthumayo osebenzayo kuphela ngemuva kokukhathala zonke ezinye izinketho zakho.
3. Yenza i-autopsy ephelele yezimali. Hlola zonke izici zemali yakho. Khumbuza ukuthi uthola kangakanani imali yokulondoloza nokutshalwa kwezimali. Vula zonke izikweletu zakho bese wengeza ukuthi usele kangakanani isikweletu. Uma ungazitholi njalo imali yakho, hlola amarekhodi akho wezezimali ukuze uthole ukuthi uyisebenzisa kangakanani izindleko zansuku zonke. Futhi bala ukuthi uzothola ukuthi uzothola nini manje ukuthi unayo engenayo encane ezayo.
Bheka izintela zakho futhi ulinganise ukuthi kuzosithinta kanjani ukungasebenzi kwakho kanye nephakheji yokuhlukanisa . Ekupheleni kokuzethemba kwakho, kufanele ube nokuqonda okuzwakalayo kwesimo sakho sezimali esisha nokuthi yini oyodinga ukuyikhokhela.
4. Sika ngesihluku. Ngemuva kokuqedela ukuzitholela kwakho kwezezimali, hlolisisa izindleko zakho zenyanga kanye nemikhuba yokuchitha imali futhi ubuke amathuba okuhlaziya izinkokhelo zakho noma ukuzinquma ngokuphelele. Cabanga ngokujulile ngalokho wena nomndeni wakho okudingayo ngempela ukuqhubeka phakathi nale nkathi ephuthumayo bese nichitha izindleko eziningi ezengeziwe ngangokunokwenzeka. Isibonelo, ungagcina imali eningi ngokusika ikhebula futhi uhlanganise inani lamashaneli wokusakaza obhalisele kuwo. Ngokufanayo, ungazinikela ekamelweni eliphezulu lokuphefumula ngokupheka ukudla okungabizi, ukuqhuba izimbalwa ezimbalwa noma ukwehlisa okwesikhashana inani olikhokhayo kumalimboleko akho.
5. Yakha isabelomali esinciphise phansi. Yenza ukuthula ngemali engenayo encane futhi uqede izinkathazo ngokubeka isabelomali esiphezulu ongahlala kuso. Uma kunokwenzeka, isabelomali sakho kufanele sibe slim ngokwanele ukuze uphile impilo yakho ngaphandle kokukhokhisa izindleko ezengeziwe kumakhadi akho esikweletu, kodwa kufanele futhi ube negumbi elithile lokunethezeka okuncane noma ukukhokha imali.
6. Thola ukhululekile ngamakhuphoni, imivuzo, ukukhushulwa kwekhadi kanye nezinhlelo zokusebenza zokwakha ukheshi. Manje yisikhathi sokungena ku-deal-hunter yakho yangaphakathi. Uma unesikweletu esihle, kufanele ube nokuthola izinzuzo eziningana zokulondoloza imali, kufaka phakathi ukunikezwa kokubhalisela ibhalansi ye-0, ama-APRs wokuphromotha kanye nemivuzo yekhadi engakusiza imali ngemali yansuku zonke. Uma uke wakha umvuzo wemakhadi, shiya imali yamakhadi wesipho ongawasebenzisa ukukhokha izimpahla zasendlini nezinye izinto ezibalulekile. Noma sebenzisa amakhadi amakhadi emuva ukuze ukhokhe izindleko zansuku zonke ongakwazi ukukhokhela ngokugcwele ukuze ukwazi ukuqoqa imali eyengeziwe. Kufanele futhi usebenzise isikhathi sakho esengeziwe ekhaya ukuze uqoqe amakhuphoni, uhlole iWeb ukuze uthole amadili futhi ulande izinhlelo zokusebenza zamaselula, njenge-Ibotta noma i-Checkout 51, engakusiza ukuthi uthole imali ngokuthenga okwakucelwe ukuyenza.
7. Gcwalisa amakhono amasha. Uma unemali encane esele ngemuva kokuthi izindleko zakho zikhokhwe futhi imali yakho iqoqiwe, sebenzisa leyo mali ukuze uphucule amakhono akho akhona noma ufunde ezintsha ezingakusiza uthole imali engenayo esikhathini esizayo. Izinsizakalo ezinjengeLynda noma i-Skillshare zinikeza amathani ezinfundo ze-inthanethi eziphezulu. Ungathola futhi isigaba esiwusizo ekolishi lakho lomphakathi wangakini noma uthole ezinye izifundo zamahhala kuwebhu.