Izikhathi eziningi zazama ukulondoloza imali, kodwa imizamo ayizange ibe yimpumelelo? Cishe, wenza okuthile okungalungile futhi udinga ukuqeda amaphutha.
Ubani ongazange azame ukugcina imali yokuthenga into ebalulekile futhi ebalulekile kubo? Yizo ezinye zazo ezenza ukuthi zenzeke, kodwa abanye abenzi. Wonke umuntu, ngaphezu kwakho konke, angafunda ukuthi angaqeda kanjani amaphutha akhona abhekene nabahleli bezezimali.
1. Sebenzisa ikhadi lokugcina.
Uma uvula isikhwama cishe noma yimuphi umuntu, ngokuqinisekile kuzoba namakhadi amaningi okukhokha. Abantu abaningi banekhadi elihlukile, elisetshenziselwa ukulondoloza imali, kodwa lokhu kuyingozi enkulu. Abanemali bayichaza lokhu ukuthi ukuthi imali ifika kanjani ekhadini, khona-ke ingakwazi ukushabalalisa kalula, ngoba ihlale ingaphansi kwemingcele yokufinyelela. Kungcono ukuvula idiphozi ebhange ngezinyanga eziyisithupha noma ngonyaka bese ufaka imali lapho.
2. Gcina imali ngaphansi komatilasi.
Amaphuzu abonisa ukuthi abantu abaningi abethembi amabhange, ikakhulukazi ngezikhathi zenkinga, kodwa lokhu akusho ukuthi kudingeka ugcine imali yakho ngaphansi komtapo, ngoba kukhona engozini yokuthi imali izobe ihlehlise. Ochwepheshe batusa ukufaka imali eqoqwe ngokuzenzakalelayo kwezimali kwi-akhawunti yokulondoloza, lapho amaphesenti athile okubhalisa ayowa khona. Ukubeka imali ekhona kakade kwidiphozi kunconywa ngezimali ezehlukene nasemabhange ahlukene.
3. Uma ngikwazi, bese uphinde uhlehlise.
Elinye isu elingalungile kubantu abaningi ukuhlehlisa uma kungenzeka, isibonelo, lapho bethola imali enkulu. Ukuze uqoqe masinyane inani elidingekile, kutuswa ukuba wenze isimiso sokukhokha ngenyanga, njengokungathi ubuyisela imali. Uma kunoma iyiphi inyanga kunethuba lokuhlehlisa okunye, khona-ke yenzeni, kodwa ungashintshi uhlelo lwakho.
4. Gcina imali ku-akhawunti eyodwa.
Iphutha elivamile ukugcina zonke imali ezitholakalayo ebhange elilodwa. Lokhu kuchazwa ukuthi uma ufuna ngokungazelelwe imali, kuzodingeka ulahlekelwe isithakazelo esihle, futhi akuzona zonke izikhungo ezizinzile, futhi noma nini ibhange lingasuswa ilayisense. Isixazululo esifanele ukugcina ama-deposit kuma-akhawunti ahlukene.
5. Izinsalela zisala ebhange lezingulube.
Lokho abantu abaningi abakwenzayo lapho bethola inkokhelo - bakhokhela izikweletu, benze ukuthenga okudingekayo bese nje bese ulondoloza imali, futhi ngokuvamile ama-pennies ahlala. Eqinisweni, ngokuvamile ngenxa yokungafaneleki, imali isetshenziswa, okuhloswe ukugcinwa. Ochwepheshe batusa ukwenza okuphambene nalokho, okungukuthi, kuqala ukubeka imali ku-akhawunti yokulondoloza. Kungcono ukusetha umsebenzi wokudluliswa ngokuzenzakalelayo kwemali kusuka ekhadini lebhange ukuya kwidiphozi yokulondoloza ekuqaleni kwenyanga noma kusuka ku-receipt ngayinye.
6. Isabelomali esingalawuliwe.
Uma umgomo ukugcina imali, kuzomele uqale ukuqapha ukusetshenziswa kwakho nokuphatha isabelomali somndeni wakho. Ngenxa yalokhu ungaqonda lapho imali iya khona, lapho imali isetshenziswe ngokungacabangi nokuthi yini engagcinwa. Ngenxa yalokho, kuyokwazi ukuhlela ikusasa bese ihlehlisa imali edingekayo.
7. Ukuhlehlisa, konke okungenzeka.
Abantu abaningi, bezama ukugcina imali, baziphika ngezindlela eziningi, benqatshelwe injabulo. Ngenxa yalokho, impilo yengqondo ihlupheka futhi umuntu ehluleka ukujabula futhi ngisho nokuqaphela iphupho elilinde isikhathi eside ngeke lilethe injabulo, ngakho khumbula ukuthi konke kufanele kube ukulinganisela.
8. Iya esitolo ngaphandle kohlu.
Cabanga ukuthi uhamba kangaki esitolo futhi ungakhumbuli ukuthi kungani uyeza, kodwa ekugcineni uya ekhaya ngemaphakheji amakhulu okuthenga okungadingekile. Yingakho kunconywa ukuthi kuhlanganiswe uhlu lwezimpahla ezidingekayo. Ngakho ungabulala izinyoni ezimbili ngetshe elilodwa: uthenge konke okudingayo, futhi ugweme udoti olungadingekile. Ingabe ukwesaba ukulahlekelwa iphepha? Bese wenze uhlu ohlelweni olukhethekile efonini yakho.