Ngamnye wethu ngamaxesha athengisa ukuthenga okugqithiseleyo amandla ohlahlo lwabiwo mali. Ngokubhekiselele kuyo umbuzo: ukugcina okanye ukuboleka?
Impendulo yombuzo ibonakala, ewe, ukugcina. Ingcamango ilula kakhulu - ukuba uyasindisa kwaye utyalomali imali, isebenza kuwe. Ukuba uhlala, usebenza ngemali.
Kamsinya kangakanani ukugcina imali?
Ngamanye amaxesha kubonakala ngathi le nto ingxaki engenayo. Nangona kunjalo, ukugcina imali akunzima kunzima, kufuneke ukuba ubeke umgomo kwaye uye kwiinjongo ezijoliswe ngokucwangcisiweyo.
Ukuze ugcine imali, kufuneka uqikelele ngokucacileyo-yintoni eyakufumana imali, kwaye uqonde oko ulungele ukuyigcina, kunye noko kungenjalo. Ukunciphisa iindleko, akunakunqanda ukuphika into ethile okwangoku. Kubalulekile ukugqiba okufunekayo kwaye kutheni. Inkunkuma elandelayo engenamsebenzi iya kususwa rhoqo kwisiphumo esifunileyo.
Ukugcina imali, kufuneka bahlehliswe ngokufanelekileyo. Musa ukuhlehlisa - ungalondolozi nto. Ukufunda ukugcina imali yiphupha labaninzi, kodwa kungekhona wonke umntu ophumelelayo. Kukho izizathu ezininzi zokuqala ukuhlehliswa "ngomso", nangona kwinyanga ezayo.
Ndingayifumana njani ngokukhawuleza imali?
Okokuqala, kufuneka uqaphele ngokucacileyo yonke ingeniso kunye neendleko zakho. Ingqalelo ekufuneka ihlawulwe, ngokuqinisekileyo, ukuhlawulwa kweendleko. Ukuba neengcamango ezicacileyo zento ochitha imali kuyo, unokuqonda apho ungalondoloza khona imali. Yaye ukugqiba indlela yokugcina imali , kufuneka ufunde indlela yokucwangcisa iindleko zakho. Oku kungenziwa ngokurekhoda zonke iindleko kwaye uhlalutye idatha.
Umzekelo, inyanga, lungisa zonke iindleko kunye neendleko zakho.
- Ifowuni, intanethi, irente, umbane.
- Ukutya (Yiya kwisitoreji, zibeke kwizinto ofuna ukuzithenga kuphela izinto eziyimfuneko.) Kungcono ukwenza uluhlu lokuqala lokuthenga kunye nokuthatha imali ethile enokukwazi ukuyichitha imihla ngemihla, kodwa ungazitheli ngokukhawuleza ekuthengeni.
- Ukuthenga iimpahla (Njengoko ungathengi iimpahla rhoqo ngenyanga, ungagcina imali yokuthenga i-wardrobe, ngelixa ufumana ingeniso eyongezelelweyo).
- Zothutho.
- Isixa semali.
Ekupheleni kwenyanga, uya kubona apho imali ihamba khona, uhlalutye uhlahlo lwabiwo-mali, uqonde oko kukufanele ukugcina. Nangona kunjalo, ukulungiswa kohlahlo lwabiwo-mali lwakho luyinto elula, ngoko ke, kunokwenzeka ukuba kufuneka usebenze usebenzisa indlela yesilingo kunye nephutha. Yilungiselele ukuba kuya kufuneka ucacise uluhlu lwezinto zeendleko eziliqela ngaphambi kokuba ufikelele kwisithuba esiphezulu.
Ukongezelela, bala ukuba yeyiphi imali engenayo yenyanga yenyanga kwaye, ngokusekelwe kwimali engenayo yenyanga kunye neendleko, misela ukuba yintoni na ubuncinci bemali olungele ukuyiyeka. Uhlobo oluthile lwexabiso elichasiweyo li-10% yenyanga engenayo. Kwaye ukuze kubekho isilingo sokuyisebenzisa, kufuneka bafihleke kuwe. Kwaye inketho efanelekileyo yile akhawunti ekhethekileyo yebhanki, kunye nenxalenye yemali ongayihoxisa ngaphandle kokulimaza inzala. Inani leebhanki linikezela ngemveliso efanayo. Ngaloo ndlela, unako
Iingcebiso malunga nendlela yokugcina imali
Ukuba unemibuzo "indlela yokugcina imali" okanye umntu uza kukubuza malunga nalo, musa ukukhawuleza intloko yakho. Khumbula - kukho imigaqo emibini elula:
- Umthetho owodwa: kuqala ukucima imali (oko kukuthi, kuyafaneleka ukuhlawula imali emiselweyo emva kokufumana umvuzo), kwaye uqhubeke usichitha oko kushiywe emva koko.
- Ummiselo omibini: sicwangcisa iindleko zethu.