Njengoba umkhuba wansuku zonke ubonisa, ayikho imali eningi. Futhi uma kukhona umndeni nezingane, izimali zivame ukunyamalala ngokushesha kunokuba zivele. Umbuzo wokulondoloza imali ungavela emindenini enezinzuzo, ngoba njalo njalo izinga lomholo liyisiqinisekiso sokuphila okunethezeka. Okubaluleke nakakhulu ukukwazi ukwabela ngokufanele izimali nokuzisebenzisa ngokuhlakanipha.
Amathiphu wokugcina imali emndenini
Ukuzindla ngendlela yokulondoloza imali emndenini, indoda nomfazi ababuki ngaso sonke isikhathi umbuzo ofanayo. Kungase kubonakale kumyeni ukuthi umfazi uchitha imali eningi kuye, nomfazi-ukuthi umyeni unecala lokungcolisa. Ngakho-ke, iphuzu elibalulekile lokulondoloza umndeni kufanele kube ukuhlela izimali. Ngokufika kwemali ngayinye emndenini wabashadile, kubalulekile ukuvumelanisa ndawonye nokuthi uzosebenzisa imali engakanani. Kubalulekile ukucabangela izinto ezinjalo zezindleko:
- izinkokhelo eziphoqelekile (izinsiza, ukukhokha izingxoxo zocingo, inthanethi, imfundo yezingane, umshuwalense, njll);
- ukudla - kungcono ukunikeza inani elithile ngesonto ngalinye;
- ukuthenga okudingekile (izingubo noma izicathulo, ukulungiswa kwemoto, ukuthenga imishini) - le nto ingabangela ukungavumelani, ngakho-ke kudingeka uqale ngokubaluleke kakhulu futhi uhambe kuze kube yilapho isabelomali salesi sihloko sanele;
- ukuphumula - le nto yezindleko ayikwazi ukunakwa, njengoba ukuphila kuzophendukela esimisweni. Uma ungasisebenzisi imali kule kholomu, bese uyidlulisela enyangeni elandelayo bese uyengeza kubo ngenyanga ezayo;
- Isitokwe esingenakuvikelwa - hhayi yonke imindeni inemali eyanele yalokhu, kodwa kufanele silwele ukulondoloza okungenani 5-10% yemali engenayo.
Uma usho lezi zinto zenkcitho, ungabona ukuthi ingakanani imali nokuthi ingakanani imali engasuswa, futhi ukwazi ukulandelela ukugeleza kwemali. Ukungakwazi ukuhlela yisitha esikhulu sokusindisa.
Ngaphezu kwalokho, kukhona amathiphu okusindisa imali:
- Thenga izinto eziphezulu, ngoba izicathulo nezingubo ezincane ezingezansi azikwazi ukuhlala isikhathi eside futhi ziholele ekusetshenzisweni okusha;
- Ungathengi izinto ezitolo ze-branded, lapho ungafanele ukhokhe lutho, kodwa umkhiqizo;
- Amakhemikhali asekhaya kanye nemikhiqizo yokuhlanzeka kufanele athengwe emaphaketheni amakhulu, njengoba lokhu kuzuzisa kakhulu;
- Imishini yasendlini ingathengwa ngokuthuthwa kwamanzi, lapho izintengo zinciphisa ngenxa yephutha elingabalulekile.
Londoloza imali kwimenyu yomndeni
Kuneziphakamiso ezimbalwa ezibalulekile zokulondoloza imali kumndeni ngemikhiqizo:
- Nika inani elithile lemali emikhiqizweni bese uzama ukuba ungadluli kulo. Lokhu kuzosiza ukugwema ukudlula nokudaka okungadingekile.
- Yenza imenyu ngokushesha ngesonto. Ungakhohlwa ukuthi kufanele ihluke futhi ilinganiswe.
- Thenga imikhiqizo kanye kanye ngesonto, ukuvakashela isitolo kancane kancane, lapho ufuna ukuthenga konke nokuningi.
- Yiya esitolo ngokugcwele ohlwini, ukuze ungenzi ukuthenga okungahleliwe odonsa umndeni ngaphandle kwesabelomali.
- Qala inothi lokubhala lapho udinga ukuloba uhlu lwezifundo zokuqala, zesibili kanye noshukela ongawapheka. Kunezindlela eziningi zokupheka ezingabizi
izitsha, esizikhohlwayo, ngakho-ke le ncwajana izokuvumela ukuba ukhumbule ukuthi ungayithokozisa kanjani umndeni futhi ngesikhathi esifanayo uchithe inani elincane. - Landelela umkhiqizo othatha imali enkulu kakhulu kuwe futhi uzame ukuthola okunye kuwo. Uma inyama, bese ufunda ukupheka izitshalo zemifino noma izinhlanzi . Uma amaswidi, uzodinga ukuthenga ufulawa obuningi noshukela, bese ubhaka amakhukhi namaqebelengwane wena.
Ukwazi ukuthi ungayilondoloza kanjani imali emndenini, ungaba yinkosi yemali yakho futhi uthole imali yamahhala engakaze uyikho ngaphambili.