Abantu abaninzi, emva kokufumana imali eninzi, bajamelana nombuzo othi "Kuphi ukugcina imali?" Kwaye ungayiqondi into enokuyenza ukuze ulawulwe kakuhle imali efunyenwe ngumsebenzi ongaphezulu. Sagqiba ekubeni sicinge ngokukhethwa kwezinto ezinokubaluleka zokugcina.
Kukuphi na ukugcina imali?
Kwimeko apho uqokelele imali engacwangciswanga ukuyithenga nayiphi na into ethile, kodwa kunjalo, ngekamva, ke sikunika uluhlu lwezinto ezikhethileyo zokugcina iimali zakho. Emva koko, ukuba awuyi kubuza "Kuphi inzuzo ukugcina imali" ngexesha, ngoko unako ukufumana ilahleko ngenxa yokunyuka kwamaxabiso okanye, ngokukhawuleza, ubaxoshe.
- Ngoko ke, ukuba i-scholarship okanye umvuzo wakho uhlawuliswa kwikhadi leplastiki yebhanki, ngoko asiyikucebisa ukugcina imali kuyo. Kwikhadi kufuneka ugcine kuphela imali oza kuyisebenzisa ukuthenga ukutya, ukuhlawula iibhidi zesevisi, njl. Ezinye zezimali zakho zizama ukwenza "usebenze", ziphendule zibe yimpahla yakho yemali, oko kukuthi, utyalomali. Kwakhona, ungagcina imali efunyenwe kumvuzo kwi- wallet ye-elektroniki . Into ephambili ayiyikuthengwa ngokukhawuleza kwi-Intanethi.
- Kuphi ukugcina imali ekhaya? Khumbula ukuba bekuhlala kuyingozi ukugcina imali endlwini. Ewe, unako ukubeka imali yakho kwi-deposit, ngoko ke, ukuzikhusela xa "iindwendwe" ezingavunywanga zingena endlwini yakho. Kodwa, ukuba usenokugqiba ukugcina iimali zakho ekhaya kwaye kwingozi yakho, ngoko, phambi kokuba ukhange ikhoneni elikhuselekileyo, ungalibali ukuba isela alikhathazeki ukuba lifihliweyo, kuba kuye ixabiso eliphambili kukuba kunokuba uya kukushiya. Ukuba uphikisana nale ngcamango, uya kuqonda ukuba impendulo yombuzo othi "Uphi na othembekileyo ukugcina imali kwindlu?" Kuya kuba: akufanele igcinwe apho i-villain iyakubheka kuqala: kwindawo ephephile iingubo, kwi-closet, njl. Iindawo ezithembekileyo ziyiyo: ibhokisi ngokuhlamba i-powder, indawo eduze kwendlu (kule meko kuyimfuneko ukuxelela izihlobo zakho malunga nendawo yakho eyimfihlo ukuze imali yakho ingaphoswa ngaphandle kwerhasi) . Ungasebenzisa kwakhona indawo phantsi kwebhayisiki kunye nokuhlamba okungahlambulukanga, kwiiphakheji ozisebenzisayo ixesha elide (kufuneka, ngokwenene, kungekho kwigumbi lokulala, ngaphandle koko akuyi kubonakala ikholelwa kuyo yonke into).
- Unokwenza idiphozithi yasebhanki. Ibhanki ikhetha lowo unika ipesenti ephezulu yonyaka kwaye ikunika ithuba lokuqinisekisa igalelo lakho. Unokufaka imali yakho kwisitye esinqabileyo okanye kwi-real estate. Kufuneka kuqatshelwe ukuba ngonyaka ngamaxabiso omabini akhula. Indlu ingaqeshwa.
- Emva kokubonisana neengcali, zithengela izabelo zaliphi na iinkampani ezinegama elihle kakhulu. Abasetyhini kule ndawo abanamandla kakhulu, okuchazwa yesafiloso yabo, ngoko ke ba khokelwa ngumbononongo wengcali yesintu.
- Enye indlela yokugcina iimali zakho kukutyalomali kwi-Intanethi. Intanethi yomhlaba namhlanje inikeza amathuba amakhulu okugcina imali ngekhompyutha.
Ndingahlala phi i-money feng shui?
Ngokwemali yamandla, indawo efanelekileyo yokugcina yabo yikhitshi, igumbi. Ekhitshini, gcina imali engekho kwiibhanki kwi-groats, kodwa kwifriji. Xa ushiya indlu, faka ibhayiseti enye phantsi kwesibuko e-hall. Oku, kuboniswe, kuya kuqinisa ukuhamba kwemali.
Ziziphi i-oligarchs ezigcina imali?
Izigidi zikhetha ukugcina imali ngokwemigaqo echazwe nguWarren Buffett.
Ngoko, ukufumana namhlanje ukuthengwa kwezindlu kuyathenjwa. Izigidi kunye nama-billionaire aseAsia anika
Kwaye "utyalo-mali oluthile" ukugcinwa kwemali ngendlela yegolide, ioli, insimbi eyigugu.
Izibalo zibonisa ukuba ii-oligarchs zaseCanada naseMerika zifuna ukuthenga izabelo okanye zenze imali ekuveliseni izinto ezibonakalayo. Ngelo xesha, njengesiTyebi saseMatriki saseMelika, bagcina imali, batyala imali kwiimpahla kunye namaphepha elizwe lawo. Ekugqibeleni, khumbula ukuba kufuneka ucinge ngento nganye yokugcina imali yakho. Sebenza kanzima kwaye ukhumbule ukuba imali imele isebenze njalo kuwe.