Ukulungiselela kunye namaxabiso amahle otshintshiselwano, abahambi abanobuqili kufuneka bazame ukuhlawula amatyala bengasebenzisi mali yamanye amazwe xa bephuma elizweni. Kodwa imali ihlala iluncedo ekuthengeni ukukhwela kwindlela kawonkewonke, ukuhlawula abathengisi basesitratweni ngokutya, kunye nezinto zobugcisa kunye nokushiya iingcebiso.

Idibeneyo: Indoda ilibale apho ipake khona, ifumana imoto emva kweminyaka engama-20

Ukuya ekhaya nemali yelizwe langaphandle eseleyo kunokuziva ngathi kuyinkcitho, kodwa zininzi iindlela zokusebenzisa kakuhle loo mali.

Yisebenzise.

Nokuba kusele malini, ndihlawula ityala lam ehotele ngalo, utshilo uChris McGinnis, we Izakhono zoKhenketho blog. Inxalenye ngemali, okuseleyo kwikhadi letyala. Abanye bacebisa ukuba ume kwiStarbucks ngaphambi kokuba ushiye ilizwe ukuze ufumane imali eseleyo eyongezelelweyo, ngaphandle kwentlawulo, kwibhalansi yekhadi le-Starbucks.

Izikhululo zeenqwelomoya zibonelela ngeendawo ezininzi zokuchitha imali kwaye indlela yesahlulo semali / yamakhadi etyala isebenza kakuhle xa uthenga amashwamshwam okuhamba ngenqwelomoya okanye izinto kwiivenkile ezingahlawulisi rhafu.

Gcina elinye ixesha.

Ndinebhokisi evela [kwiBhikaji yesiFrentshi] eLadurée kwisinxibo sam nayo yonke imali yam eseleyo eshiyekileyo, utshilo uChristina Saull, waseAlexandria, eVirginia. Xa ndinohambo, ndiyemba ngalo ukuze ndibone ukuba ndimele ndichithe ntoni.

UBeth Whitman, umseki we Ukuhambahamba kunye neLipstick kwaye iWanderTours inebhasikithi yeemvulophu kunye neebhegi ezincinci ezizaliswe ziingqekembe kunye namatyala asuka kuhambo oludlulileyo kwihlabathi lonke, ahlelwe lilizwe.

Kuyanceda ukuba nemali ethile yasekhaya ekufikeni kweeteksi okanye iingcebiso ngaphandle kokuya kwi-ATM okanye utshintshe imali, utshilo uWhitman.

Yitshintshe.

Ukuhamba utshintshisa ngemali eseleyo ezivenkileni zakhe ezixekweni nakwizikhululo zeenqwelo moya, nangeposi. Iivenkile zesikhululo seenqwelomoya ziguqula amatyala kunye neenkozo zemali ezininzi kuloo ndawo, kodwa gcinani engqondweni ukuba ivenkile nganye ibeka amaxabiso kunye nemirhumo. Ukutshintshiselana ngemeyile kunqunyelwe kwimali engamaphepha kwaye ukufumana ukuba ujonge kungathatha iiveki ezintathu ukuba zifike, kodwa umrhumo osisigxina weedola ezi-5 kunye nenqanaba lokutshintshiselana ngemini lilungele ngakumbi.

Idibeneyo: Owesifazane ubanjelwe ukuphosa iingqekembe zemali kwiPlani ye-Injini yeLithamsanqa

Olunye ukhetho lokuthumela imeyile lunikezelwa ngu Imali eseleyo , ethi ithathe amanqaku kunye neengqekembe zemali ezijikelezayo nezingasasebenziyo kwaye ithembisa ukuhlawula zingaphelanga iintsuku ezintlanu zomsebenzi ngePayPal, itsheki okanye ukudluliselwa kwebhanki, okanye ukunikela ngemali kwisisa.

Nikela ngayo.

Ezinye izikhululo zeenqwelo moya zitshintshe iiglobu okanye imigqomo yokuqokelela imali eseleyo kubahambi abashiya ilizwe. Kwaye iinqwelomoya ze-10, kubandakanya i-American, i-Cathay Pacific ne-Qantas, ngoku zithatha inxaxheba kwi-UNICEF Guqula ngokulungileyo Inkqubo, eqokelela imali eshiyekileyo kubakhweli kwiindiza zenqwelomoya. Ngo-2016 malunga ne- $ 8 yezigidi yaphakanyiswa i-UNICEF ngale ndlela.

Yenza abahlobo.

Ootitshala banakho ukusebenzisa imali eseleyo kwisifundo sejografi. Okanye buza ujonge ukubona ukuba abahlobo okanye abamelwane banabatshana okanye abatshana abaqokelela imali, utshilo umbhali wohambo uCarol Pucci. Ingxowa encinci yeemali zamanye amazwe ebehleli edesikeni yam iminyaka kutshanje zifumene ikhaya elilungileyo kwingqokelela yomntwana.

Yenza ubugcisa.

Iingqekembe zeLeftover zinika ithuba lokuphonononga i-Etsy yakho yangaphakathi. Boba imingxunya yokwenza amacici okanye isacholo somqala, okanye uphume umpu weglue kwaye uhombise isakhelo sokubamba ifoto yokuhamba oyithandayo.

Yothusa wena.

Nanini na xa ndisiya kuhlawulela into kwaye ndikhubeka ngaphesheya kwemali endiyigcinayo kwisipaji sam, ndiyathuthwa, okomzuzwana, ndibuyele kulondawo utshilo uFrancine Cohen, uMlawuli, uSpirit Colangelo & Partners. Kulungile nokuhleka xa ngengozi ndizama ukuhlawula into kwilizwe elinye elinemali yelinye ilizwe. Abantu baseKhanada ngenene balungile, kodwa abathandeki kangangokuba baya kuthatha iipeso kwi-croissant.