Imali, Personal Finance
Indlela yokonga imali: tips elula
Ukuze ufunde indlela yokonga imali, ndacinga mhlawumbi bonke. kufuneka nje umntu engqondweni indlu elibheke olwandle, yaye umntu - ibhayisekile entsha umntwana. Kwaye njengoko imivuzo ngamnye ezahlukeneyo, kunye nezicelo, ngokulandelelanayo, kakhulu. Nangona kunjalo, ngaphandle ukukwazi ukuqokelela imali aye ingeniso iza ingaphumeleli. Nazi iincam elula ukukunceda ufunde ngokukhawuleza yokonga imali eyachithwa kwizinto ezithengwa eziyimfuneko okanye elide-elindelwe leeholide elwandle.
Icebiso Enye: chaza injongo ethile yena.
Inyaniso kukuba akuyi kuba nako ukwenza imali ngendlela eyiyo ngaphandle inkcazelo ecacileyo iinjongo. Xa umntu lowo phambi izicwangciso eziphathekayo kwaye liyakuqonda ukubaluleka ukuphunyezwa yabo, yaba iindlela zangaphakathi ezifunekayo ukuphumeza le njongo. Nanku umzekelo olula. umhlobo wam, masenze bakubiza Leroy, abantwana ababini. Ngoxa abantwana babesebancinane, anele ukuba iimpahla kunye nesifuba ngubo. Abantwana bakhula, kunye nekhabhathi ngendlela efanayo. Xa Leroy waqonda ukuba inani lezihlalo yikhabhinethi kuxhomekeke indlela endlwini (zizele zizinto ngubo, apho zonke izinto njengoko zibekwa, kulahlwa kwingqumba - oko kube nobunzima kakhulu). Kwaye ngenxa yohlobo kwayo - ukugqibelela kunye uthanda ukuze zonke, ikhabhinethi intsha nje iphupha, kodwa ngenxa yakhe athi phithi. Ngenxa yoko, iinyanga zantathu, wathenga enkulu walk-isegumbini. Waza wenza ntoni njani? Oku kufuneka ibhunga elitsha.
Icebiso ezimbini: ukugcina ngaphezu.
Indlela ukulondoloza imali ukuba abathanga uyibeke kude? Akukho nto. Abanye abantu babeka bucala kancinane, kodwa ixesha elide. Inxenye ke abaninzi, kodwa hayi ixesha elide. Isiphumo iyafana. Kodwa ke wesibini - into ebonakalayo ngakumbi. Kuyinto kakuhle kakhulu ngakumbi ukunciphisa imfuno yazo iinyanga ezimbalwa kwaye ungazifumani nje izinto ozifunayo ngokubuyela kwisingqi endala ubomi kunokuba kwiminyaka embalwa ukhutshwe kancinci ngokuyeka wena ithuba ukutya okumnandi, isinxibo entle iholide eninzi.
Icebiso ezintathu: Fumana ulwazi malunga nendlela yokwenza imali ngamagcisa.
Ngoku umbuzo aqokelele imali baxakwe ngabantu abaninzi. Funda amanqaku kwi Internet, khangela kuqeqesho yevidiyo, okanye ngcono - ukufumana ithuba lokuba babhalise kwiikhosi ezizodwa, apho uya kuxelelwa ukuba ngokukhawuleza baziqwebele njani imali iimfuno ezithile. Hi ndlela leyi, kubaluleke gqitha ukuba unxibelelwano. Ubona abantu abasele bafunda Ukuzuza ngempumelelo, kunye nabo bonke abakunye nawe uza ukufunda kumava abo. Kwaye uphefumlela kwaye ubafake phambili injongo.
Icebiso ezine: ukutshintsha yakho evenkileni usithandayo kwivenkile elula lentengiso.
Yintoni sithanda ezinkulu? Inyaniso ukuba ungaba kuze bachukumise nje isandla sakhe, bona i isishwankathelo ukufunda ucinga ngaphandle kukho lomthengisi krwaqu vuxiyaxiya. Kwaye kule - enkulu amacebo okuthengisa. Ke ukuba niphikele kwanwenwa ngeenxa ivumba elithozamisayo of baking entsha, nonke nina kwemkiwa. Ukufika ekhaya, ungena ujonge iingxowa zokuthenga bathi, "Kutheni ubuyithenga kuyo ngokonga imali, ukuba imali engaka?". Ngoko ke, lo counter, emva edulusele ngaphaya kufikelela izandla yempahla - oku usindiso lwakho.
Icebiso Five: isixa kuhlehliselwe Yahlula kwimvulophu eyahlukileyo.
Xa ufika ekhaya umvuzo, kubonakala ngathi zininzi. Kwaye ukuba akukho nto ingahlakazeki kwiinjongo ezahlukeneyo kwangoko, wena esichengeni ukuchitha bonke yaye angemi. Nangokwengqondo, udibaniso luza kukhangeleka ukuba imali nangoku ngokwaneleyo. Ke ukuba, umzekelo, kukho imvulophu ahlule imali TV entsha, ngoko aniyi akazukuyibamba ngaphandle ni xilaveko lexikulu. Oku kuya kukunceda ukuba uzikhusele ngokwakho ukusuka isilingo ukuchitha ngaphezulu.
Ngoku uyazi indlela yokonga imali. Zama ezi ngcebiso elula yokwenza kwaye uya kuqonda ukuba ukuqokelela imali - yinto injongo enokufikelelwa, ukuba afike ngobuchule umba.
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