Usebenza uthole nto imbi, kodwa akunakwenzeka ukuba elinye ukuthenga ezinkulu iindleko? Wenza ntoni xa iinyanga ezimbalwa iholide, kwaye akukho mali? Okanye, mhlawumbi, ngokukhawuleza kufuneka utshintshe imoto, kwaye ukuthenga Finance entsha kwakhona azinazo ngokwaneleyo? Hayi yayiyintoni injongo, indlela, ngokonga imali enye ukuzila. Cinga iqhinga ukugcina imali ngokweenkcukacha.
Funda indlela yokusebenzisa ngobuchule
Zama ukunqanda mboleko kunye ngezavenge, ingakumbi oku kusebenza kwimali-mboleko kunye nenzala. Lo mbono ukuqala usebenzisa imveliso okanye inkonzo namhlanje, uhlawule - ngomso inomtsalane, kodwa practice sele kwiminyaka 3-4 wena engozini ukuhlawulela yokuthengwa kwakhe kabini. Ngeke wazi njani ukuba wonge imali ngokukhawuleza, ude wazi ukuba esisiso ukuchitha imali efunyenwe. Ngoko nangoko emva kokufumana umvuzo uhlawule iintlawulo zakho zenyanga kuyimfuneko, umzekelo, eziluncedo, intanethi nangefowuni. Ngoko ke, emva kwezi ndleko ziye zahlala kusekho isixa zinto imali apho kuya kufuneka ukuba baphile inyanga. Misa azisukele fashion, akukho mfuneko yokuba uthenge iteknoloji entsha okanye iimpahla ezinophawu, ukuba anisizakali kuko oko. Ukuthenga kuphela izinto eziyimfuneko, yiya evenkileni uluhlu elungisiweyo kunye imali encinane. Ungaze wazise imali yakho "egciniwe", ngokuqinisekileyo siya kubuyela nawe ekhaya kunye isipaji engenanto, nokuthanda ixesha elide ngokwam ukuba ityala.
njani angemi imali ekhawulezayo: emsebenzini kunye nokubambezeleka
Sayina ibhokisi lwemali okanye ukuvula i-akhawunti yebhanki (ngobuwena yesibini inokuthenjwa). Kodwa ke ukuba ngenxa yesizathu esithile ufuna ukugcina imali yabo ekhaya, khumbula, awukwazi tirhisa kuyo nayiphi na imeko. Nanamhlanje ukuba athathe zaliwaka engange, kwaye veki ngokuqinisekileyo uya kubuya - akukho nto yenzekayo. Lo ngumthetho-siseko iphambili ukuba wonge imali ngokukhawuleza. Wakuba Sibekele bucala ethile imali, silibale ngayo ikho. ngenyanga nganye, kungakuhle ukuba azondle oovimba bayo lwemali isixa esilingana kule mini. Ukuba umvuzo ufika emva ukwenza imisetyenzana kwee-odolo enye, esisiso bazihlube ipesenti ethile gcwalisa isipaji nganye. Umbuzo ethandwayo: "Ngaba kunokwenzeka ukuba azalise ebhankini kwiSabi ngexabiso enkulu kunesiqhelo?" Impendulo kule kufuneka ufumane ngokwakho. Ukuba nayiphi na inyanga ufumene ibhaso, lingakwazi singamiswa (njengoko ingeniso okungacetywanga) ulibale ngayo, okanye uyakwazi ukukhuthaza wena ngokuchitha imali kwi zokuzonwabisa okanye ezinye olahlwa. I ukhetho lokuqala ngakumbi obengo, ngokuphathelele kwimeko yesibini ngenxa imfuneko xha kuwe ngokuqinileyo olawula zonke iindleko, ndiwuhlutha nje wena na "izipho" kwaye ihlawulwe iholide.
Practical tips and tricks abekwe
Enye yezona ndlela ithandwa kakhulu ukonga imali ngokukhawuleza, kubandakanya uvula iakhawunti idipozithi benethuba wemvula. Ukuba bandisa isixa esikhulu, ungenza umsebenzi imali, kunye nezinye indlela, nemveliso ngakumbi. Nangona kunjalo, akukho mfuneko inxaxheba kwiinkampani zemali ezithandabuzekayo, uzibeka esichengeni ukuze imali yabo nabakhohlisi. Kwakhona yenza akukho ingqiqo ukutyala imali kolu tyalo zexesha elifutshane, ukuba wena akunguye uqhelene nale. Xa kungekho tyala musa ucele abahlobo nezalamane ukuba wonge imali ngokukhawuleza, kwaye musa bangaxeleli bani ukuba kukufuphi ukubekwa nxamnye liphupha. Khumbula, aphume yebhanki yakhe kwiSabi asinakukunika nabani mboleko ukuba ngaba kubuya ngexesha, izicwangciso zakho baphele.