Isicwangciso Personal zemali, okanye u mendo ukuzimela ngokwezimali

Bambalwa abantu abantu etyekele yendalo kunye nothando kwisebe accounting. Uninzi lwethu kwi la magama "ucwangciso-mali", "noun iindleko", "uhlahlo lwabiwo" kwaye ezifana iqala useyingxaki engathandi. Enyanisweni, yonke loo nto ibonakala buthuntu xa isichukumisa wena. imeko ezininzi eziqhelekileyo apho ngeveki emva kokufumana umvuzo imali "nje" ukuya elilandelayo, yaye emva kweveki okanye ezimbini icace phandle ukuba lixesha lokuba kufuna nombolekisi ukuya kwabe elilandelayo. Wonke umntu uyazi - Imali kungenzeki kakhulu. Kakade ke, nganye iikhrayitheriya esisesayo "-iqashiso elincinane", kodwa ke loo nto ngumba eyahlukileyo.

inkosi olukhethekayo bonke ubulumko kwezoqoqosho ukufunda ukucwangcisa indlela kakuhle imali kunye neendleko. Ngelo xesha, ulwazi olusisiseko kunye lwezakhono kulo mmandla kungaba luncedo ukuba wonke umntu, nokuba ubukhulu ingeniso kunye nobume bomtshato. Ukugcina imali intsapho zihlenga ngenxa imigaqo elula kakhulu, oko kwakubekwe yaziwa bonke. uninzi kula ulwazi kunye nethiyori kuphela ngenxa nobuvila okanye ukungabi ukholo.

Indlela ukwenza isicwangciso sezimali lobuqu

Into yokuqala ukuba siqonde kwaye silungise izinto esinazo ngokwemiqathango ingeniso kunye nenkcitho. Nabani na owamkela ngaphezulu okanye ezinzileyo ngaphantsi umvuzo, ingeniso evela nqaku liza ukumelana lula. Kodwa ukumisela isixa yenkcitho kuya kufuneka ukuba asebenze nzima. Kufuneka baqale ukubhala phantsi zonke iindleko zakho tetradochku (ifayile computer, inkqubo olulodwa, nto leyo ngoku ibekwe - kuthathelwa ingqalelo ukhetho yokukhetha enye kukhetho lwakho). Igama ephambili kwisivakalisi yokugqibela - yonke into, kuba, emva kwenyanga, uya kumangaliswa ngayo imali eninzi iimpukane phantse "ndawo."

Emva kwenyanga okanye iirekhodi ezimbini ngocoselelo izinto, ungenza uqale inxalenye fun - uhlalutyo. Lo mzuzu igcwele a lot of "ezifunyaniswe emangalisayo" nkqu abo musa ukuchitha imali kakubi. Kubalulekile ukuba ukuhlalutya kuphela zonke izinto yenkcitho, ukulungisa ngenxa elizayo, kodwa umlinganiselo ingeniso neendleko. Esi sisizathu esilungileyo sokuba ucinge: mhlawumbi kungcono ukwenza iinzame ukuba nsinya kuqoqosho, kunye neenzame ukufumana ngakumbi?

Bonke ukucinga nzulu, kufuneka udale i zobuqu isicwangciso zemali. Apha - inkululeko epheleleyo uyilo, kuthathelwa ingqalelo, Kakade ke, kuhlalutyo lwangaphambili.

• Unako ukuncoma kuphela ukwaba onjalo inqaku njenge "neendleko ezingalindelekanga", wamthwalisa malunga ne-10% umholo. Oku ngathi ukulungisa - ubomi lilo phezulu rhoqo izimanga. Mazingabhidaniswa ngemali nesisu "ngosuku olunethayo"! Ukuba awukwazi zichithe izixa ezibandakanywe isimanga, ungenza ngokukhuselekileyo ukulahla ngayo - kwi kulibaziseka ubuncinane, nokuba wena into ezikuthandayo.
• Isicwangciso mali Personal kufuneka iquke inqaku, "abekwe". Zonke iingcali kwi endle avumelana esithi ukuba i-10% unako ngokukhuselekileyo ukubekela bucala, nokuba ubukhulu imivuzo, njengoko kusenokubonakala ngathi, ukuba ukuqina ibhanti ayikho some. Ngaphezu koko, ezi nengqiqo-10% ngoko nangoko ukuguqulela kwi-akhawunti yebhanki eyodwa, ukuba akukho isilingo ukuchitha. Umntu ngaphandle yomphefumlo zolondolozo imali ethile, akakwazi unokuthenjwa nje kuphela ngomso, kodwa namhlanje.
• Ukwenza isicwangciso zemali asifanele kunqunyulwa kakhulu emva iindleko zempilo kunye nemfundo. Ezi zixa zingathathwa njenge igalelo kwixesha elizayo, ngenxa yokuba umntu ogulayo akunakwenzeka ukuba bakwazi ukunika ngokwaneleyo ngokwabo kunye nakwabo basenyongweni, kunye noqeqesho oluphezulu inokunikezela imithombo ezongezelelweyo yengeniso.
• Kufuneka ucinge kakuhle eqhelekileyo, iindlela "oluchanekileyo" ogcino, ie ngaphandle nawuphi na umonakalo ngokwayo. Ukwandisa iindleko inokuba nomahluko - umzekelo, i-shop incwadi online, khetha lwamaxabiso kakhulu zonxibelelwano mobile, umabonakude wedijithali, ukuba aziphephe izabelo, intengiso, iziza isaphulelo (ngoku eninzi kunene), njl
• Ukuba isicwangciso sakho zemali zobuqu kubandakanya into enjalo, njenge umdiza, wabandisa mali zibandakanyiwe kule nyanga yokugqibela ngo-12, yaye ngoko ke inani leminyaka ukuba ufuna ukuchitha ngaphezulu. Ingaba uthanda njani imiphumo? Ngaba uzimisele ukuchitha kwi denzhischi okunjalo ukuba ungahlali ubomi bakho lehlile kakhulu? ukuzibulala Slow kuba imali - iinkcitho ezingaqondakaliyo.
• Nowokugqibela. Imali kufuneka basebenze. Ukuba kukho kukutyala - ukwenza oko (ngokucinga kuphela okulungileyo - apho), nkqu ebhankini umyinge wenzala kunye eliphantsi, kodwa ukwenza oko kusenjalo kamnandi. Imali ngaphezulu kubuya, i ngokukhawuleza bandisa. Musa ukuba ekumnikeni, kodwa bayeke uchitha. Impumelelo!