Ukudala intsapho entsha, ngamnye umtshato uthatha uxanduva lomnye nomnye, kunye noxanduva olongezelelweyo. Kubandakanywa kwisicwangciso sezimali. Ukugcina imali ngumsebenzi onjalo. Imali yakho iyahlala iyafana, kodwa iindleko ziba zikhulu. Ukugcina imali kwintsapho yenye yexesha elibalulekileyo ekufuneka lixoxwe kwaye lixazululwe kunye. Akuyi kuba nantoni enhle ukuba omnye wamalungu entsapho alandela imithetho yokugcina imali, kwaye enye ayifuni.
Makhe sijonge amanqaku ambalwa anceda ukuqonda indlela yokugcina imali:
- Ufuna ukujonga okucokisekileyo ukuvavanya ubolekisi bakho. Musa ukulahlekelwa imali ngakwesobunxele nangakwesokudla, ngokubhekiselele kwisifiso sesibini ukuba unento into engeyomfuneko;
- ukuphuma esitolo, yenza uluhlu lwento oyifunayo. Kwaye akukho mcimbi ungabuyisanga kuyo;
- xa ucinga ukuthenga okukhulu, qala uqhathanise amaxabiso enye into kwindawo ezahlukeneyo. Ngethamsanqa, ngezihlandlo zanamhlanje awukwazi ngisho nokushiya indlu, kodwa nje ukhwela kwi-intanethi;
- iimveliso zendawo yokugcina ixesha elide kunye nezinto zansuku zonke zingcono ukuthenga kwiivenkile ezithengiswayo;
- Ukuba ufuna kuphela isonka kunye netiyi musa ukuhamba emva kwazo kwiindawo ezinkulu zokuthenga, apho amehlo aphela ebaleke kwi-assortment enkulu. Ngaphandle koko awuyi kuphinda uqonde indlela yokuqalisa ukugcina imali;
- ukhetha uhlobo lokuhlawula lukhethwa ngokuchanekileyo ngemali. Ukukhangela kwisikhwama kulula ukuvavanya ubuchule bakho bezimali okwangoku kunokujonga isimo seakhawunti yakho ekhaya, emva kokuthenga okugqibeleleyo;
- zonke iintlola zokuthenga mazigcinwe. Ukuba le nto iphosakeleyo - unokuyibuyisela okanye uyitshintshisane.
Indlela yokufunda ukugcina imali?
Ukuqonda ngokucacileyo, kwindlela kunye nendlela ochitha ngayo imali, fumana i-notebook ekhethekileyo. Kuya kuba yincwadi yakho yokubhala. Kubalulekile ukurekhoda nokuthenga okuncinci kangangoko ibhokisi yeemidlalo. Ngenyanga okanye ezimbini uya kukwazi ukubona indlela yokugcina imali ngokujonga ngokucophelela amanqaku akho. Ukuqhawula ukususela kuyo yonke into ekhethiweyo yokuthenga wena uya kumangaliswa ukuba ngaphandle kwemali eyongezelelweyo yemali-mali kwisabelo-mali sekhaya kuseninzi.
Indlela yokugcina imali kwintsapho?
Qala ngokuqaphela ngokucwangcisekileyo ukucwangcisa ubomi bakho kunye neendleko zakho. Beka umgomo uze uzame ukuqonda oko ukulungele ukungawufezekisi. Mhlawumbi kuya kubakho ukulahla iigarethi okanye imihla ngemihla, kwindabuko kwintsapho yakho, ikhekhe ngentsuku. Yonke into enkulu iqala encinci. Yenza umkhwa wokungasisebenzisi imali yakho yonke kwimali yokuqala. Hlukanisa umvuzo kwiindawo onokuzichitha kwixesha elithile. Umzekelo, ngeveki okanye kwiintsuku ezilishumi.
Ukuze uqonde indlela yokufunda indlela yokugcina imali, kufuneka uqonde intsingiselo yamagama okugcina nokugcina. Zama ubuncinane malunga neepesenti ezili-10
Izindlela zokugcina imali zicebisa nje kuphela ukuchitha inkunkuma kwiindawo. Ukuze kuncitshiswe iindleko zesevisi, kufuneka uqaphele ngakumbi ekhaya. Ukugcina amandla namanzi kunokukhokelela kwiziphumo ezilungileyo.
Iingcebiso zokulondoloza imali zinokuba luncedo xa uzilandela ngokukhawuleza kwaye rhoqo. Kwaye kunye nenani elipheleleyo. Ukuqwalaselwa komnye wemithetho yokugcinwa kwemali kwisabelomali yosapho ayiyi kubakho naziphi na iziphumo.