Imali: engenakwenzeka kunokwenzeka?

Ukuba ukhe uye ubale ukuya iindleko zakho, uya kumangaliswa! izibalo nentywenka yemali echithwe zonke iintlobo Trivia ngokungeyomfuneko. Umzekelo, ukuba kuthengwe:

• iilekese;
• iimveliso kunye nomda ophezulu (ikofu kwindawo yokutyela, burger);
• izinto kuluncedo kakhulu ukuba kuxhomekeke ngezaphulelo ezikhulu;
• iimveliso ezifana nezo sele unayo (igama elifanayo, kodwa umbala ezahlukeneyo, ivumba eyahlukileyo, njl);
• iimveliso awudingi ngokukhawuleza (rhoqo ukuba abayi kungena Ukugunda e elizayo);
• ezincane cute.

Ukuba yinxalenye imali yentsapho, yaye kuza kulandela ngokungqongqo kuyo, kamsinya uya kuza iithagethi zazo. Kodwa kufuneka kuqala sichaze kubo. Kutheni kufuneka oko? Ingaba ufuna ukugcina imali yokuthenga eziphawulekayo? Kubuhlungu ukwazi ukuba urhola imali eninzi, kodwa awukwazi imali? Ufuna ukufunda ukusindisa? Okanye eziqhutywa enye injongo? Kubalulekile ukuqinisekisa. Akukho mfuneko ukucwangcisa kuba abaninzi benjenjalo. Oku kukhokelela ekubeni nto.

Indlela ukubala imali yentsapho?

Kukho ezininzi kwiinkqubo zokucwangcisa. Kodwa abaninzi ezifanelekileyo ngenxa ngobunjalo bayo. Ukhetho best - ukugcina iirekhodi njenge spreadsheet Excel. Elinomhlathi omnye ubhale phantsi yonke imithombo yengeniso, kwezinye - iindleko.

Abanye abantu bakhetha ukusebenzisa inkqubo ethile Kwiiselula ezisinceda ukugcina imali yentsapho. Oku elula kakhulu ngenxa ngoko nangoko emva kokuthenga, ungakwazi alobe bachitha imali.

uya kukwazi ukwenza izigqibo ezithile ngokusekelwe ngenyanga yokuqala data. Yintoni na isixa semali uchithe eyiyo? Naziphi na iindleko ubungakwazi ziphetshwe? Ngokusekelwe kwezi ziphumo, uya kuba nako ukucwangcisa amanye amanyathelo.

Indlela imali yentsapho?

Umthetho yokuqala abazizityebi: ukulibazisa ipesenti yengeniso. I-Standard Gold - 10%. Ukuba kunokwenzeka, kungcono ukuba ukulondoloza ngaphezulu. Umgangatho wobomi usapho lwakho Awunakutshintsha ngenxa kwesi imali encinane. Noko ke, ekuhambeni kwexesha uya kuba nako ukusindisa kakhulu imali eninzi. Le 10% kuyo nayiphi na imeko awukwazi wachitha. Eyona ndlela ilungileyo - imali kwenye indawo. Makhe nawazo wena umdla.

Ukuba une amatyala okanye mboleko, cinga icebo yabo intlawulo. Ukuze bahlukane kubo ngokukhawuleza kangangoko kunokwenzeka. Ukumisela kangakanani ukuba anikezele qho ngenyanga ukuze ijongane netyala.

Ukuba ufuna ukugcina imali kwi ukufumana ebalulekileyo, yenze isixa mali usapho ukuba ukuba uceba udumdelise qho ngenyanga. Okulandelayo ingqalelo iindleko ebalulekileyo, awukwazi inkunkuma evela kuyo, kwaye Iindleko zenyanga nganye apho ayitshintshi (okanye utshintsho kancinci). Ezi ziquka i-inshorensi auto, eziluncedo, iindleko lamatikiti, uqeqesho kunye njalo njalo.

Ngoku cinga ngaphezu ezinye iindleko ebalulekileyo - ukutya, impahla, izipho, iholide njalo njalo.

Ukuba 'i-debit ngetyala, "nzima ukuba idibane, kukho iindlela ezimbini. Lokuqala - ekunciphiseni iindleko, okwesibini - ukwandisa imali engenayo. Apho uhlobo lokuqala iyafaneleka nangayiphi na indlela. Abantu abaninzi abaye nje baqalisa ukuba baphile imali yentsapho, qaphela ukuba ngokubanika iilekese, amashwamshwam kunye neemveliso ezithengisayo, ukuba ungonga eninzi imali uze uhlawule imali-mboleko ngokukhawuleza.

Kodwa musa ukusika iindleko xa kunyanzelekile. Ngokukodwa, kufuneka uvumele wena aphumle elungileyo. Kungenjalo kamsinya waphosa le ngcingane.