Ngamunye wethu ngezikhathi ezithile wenza ukuthenga okudlula amandla okubhajethi yanyangazonke. Mayelana nokuthi umbuzo uvelaphi: ukugcina noma ukuboleka?
Impendulo yombuzo icacile, yebo, ukugcina. I-logic ilula kakhulu - uma usindisa futhi usitshala imali, isebenza kuwe. Uma uhlala, bese usebenzela imali.
Kanjani ukusindisa imali ngokushesha?
Ngezinye izikhathi kubonakala sengathi lokhu kuyinkinga nje engenayo. Noma kunjalo, ukulondoloza imali akulona kunzima kakhulu, kudinga nje ukusetha umgomo bese uya emgomweni ohlosiwe ngokuhlelekile.
Ukuze ugcine imali, udinga ukucabange ngokucacile - ukuthi yini eyithole imali, futhi uqonde ukuthi yini ukulungele ukuyigcina, nokuthi yini engekho. Ukuze unciphise izindleko, akusizi ngalutho ukuziphika okuthile okwamanje. Kubalulekile ukunquma ukuthi yini edingekayo nokuthi kungani. Imfucuza elandelayo engenamsebenzi izosuswa ngaso sonke isikhathi kumphumela oyifunayo.
Ukulondoloza imali, kudinga ukuhlehliswa ngokuhlelekile. Ungabuyeli emuva - ungalokothi ugcine lutho. Ukufunda ukulondoloza imali kuyiphupho kwabaningi, kodwa akuwona wonke umuntu ophumelelayo. Kukhona njalo izizathu eziningi zokuqala ukuhlehliswa "kusasa", ngisho nangenyanga ezayo.
Ngingayithola kanjani imali ngokushesha?
Okokuqala, kudingeka uqaphe ngokucacile yonke imali engenayo kanye nezindleko zakho. Kumele kuqaphele ikakhulukazi ukukhokha izindleko. Ukuba nomqondo ocacile walokho osebenzisa imali, ungaqonda ukuthi ungayisindisa kuphi. Futhi ukunquma ukuthi ungayisindisa kanjani imali , udinga ukufunda ukuthi uhlela kanjani izindleko zakho. Lokhu kungenziwa ngokurekhoda zonke izindleko bese uhlaziya idatha.
Isibonelo, ngenyanga, lungisa zonke izindleko nezindleko zakho.
- Ifoni, Inthanethi, ukuqasha, ugesi.
- Ukudla (Hamba esitolo, zibeke kulokho okudingayo ukuthenga izinto ezidingekayo kuphela.) Kungcono ukwenza uhlu lokuqala lokuthenga nokuthatha inani elithile lemali ongakwazi ukulichitha nsuku zonke, kodwa ungazitheli ngokuzenzekelayo ekuthengeni.
- Ukuthenga izingubo (Njengoba ungathengi izingubo njalo ngenyanga, ungagcina imali yokuthenga ikhabethe, ngenkathi uthola imali eyengeziwe).
- Ezokuthutha.
- Inani lemingcele.
Ekupheleni kwenyanga, uzobona lapho imali ihamba khona, ulungise isabelomali, uqonde ukuthi kufanelekile ukulondoloza. Kodwa-ke, ukulungisa isabelomali sakho siqu kuwumsebenzi olula, ngakho-ke, cishe, kuzodingeka usebenze usebenzisa indlela yesilingo nesiphambeko. Yilungiselele ukuthi kuzodingeka ucacise uhlu lwezindleko eziningana ngaphambi kokuba ufinyelele ekukhethweni okuhle.
Ngaphezu kwalokho, ubale ukuthi imali yakho yenyanga ngayinye yenzani ngenyanga futhi, ngokusekelwe ezinyangeni zenyanga kanye nezindleko, thola ukuthi iyiphi imali encane futhi esiphezulu semali ukulungele ukuhlehlisa. Ukuhluka okulinganiselwe kwesamba esilinganisiwe ku-10% wemali engenayo yenyanga. Futhi ukuze kungabi nesilingo sokuyisebenzisa, kudingeka bafihleke kuwe. Futhi inketho ekahle yalokhu i-akhawunti ekhethekile yasebhange, nengxenye yenani ongayikhipha ngaphandle kokulimaza inzalo. Amabhange amaningana anikeza imikhiqizo efanayo. Ngakho, ungakwazi
Amathiphu wokugcina imali
Uma uke ube nombuzo "ukuthi ungalondoloza kanjani imali" noma othile uzokubuza ngakho, ungasheshi ikhanda lakho. Khumbula - kunezimiso ezimbili ezilula:
- Isimiso sokuqala: qala ukukhipha imali (okungukuthi, kufanelekile ukuhlehlisa imali edingekayo ngokushesha ngemva kokuthola umholo), bese uqhubeka uchitha lokho okusele ngemva kwalokho.
- Imithetho emibili: silungiselela izindleko zethu.