Gcina kwiindleko, kodwa ungaphulukani nendlela eqhelekileyo yobomi - umsebenzi onzima. Asingabo bonke abantu abanokukrokrela ukuba bagcine itafile ecwangcisa uhlahlo-lwabiwo mali losapho, ukurekhoda i-roble nganye apho. Kwaye ukuba uyala izinto ezintle (Iphulo kwi-cinema, iglasi yekofu endleleni eya emsebenzini), imali kwi-wallet iya kuhlala ihleli, kwaye ngokuqinisekileyo buya kuwa. Iingcebiso ezintlanu ziya kunceda ukusindisa imali, isebenze kancinci.
Kuya kufuneka ukhethe ilungu losapho, lilungele ukwenza indima yoonondyebo. Tshatisa ingeniso yenyanga kunye neendleko zenkcitho enyanzelekileyo (intlawulo yezindlu kunye neenkonzo zoluntu, iimali mboleko, imboleko yomntwana kunye nezinye). Yabela ubuncinci i-5% yengeniso yokuphinda iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde lize. Imali eseleyo ihlulwe ziiveki ezi-5 kwaye ubone ukuba zingakanani iindleko ezinokuchithwa zizinto eziqhelekileyo.
1. Yenza i-Inder Fund Fund
Kule minyaka idlulileyo idlulileyo, amaxabiso emali mboleko awa kuphela. Ukuba usapho luhlawula imboleko-mali enye okanye engaphezulu, isebenza ukutshitshiswa kwiibhanki ezinkulu. Umbutho wekhredithi unokunikezela ngepesenti enenzuzo ngakumbi.Umzekelo: UDesis noMarina bathenga indlu ngobambiso ngo-2012, bathabatha ii-ruble ezi-2 kwityala. Kwithuba leminyaka eli-15 phantsi kwe-14% ngonyaka, intlawulo yenyanga yayingamawaka angama-26 amawaka ruble. Ngo-2020, iBhanki icetywayo iyohlwaya phantsi kwe-8%, kule minyaka i-7 ishiyekileyo intlawulo yayiza kuba yi-ruble i-ruble. Ngenxa yomehluko kwi-6% ngonyaka, kungenzeka ukugcina i-11 lamawaka ruble. Inyanga qho.
Obolekayo banokuthatha ithuba lemali eyongezelelweyo kwinani lamawaka angama-600 i-ruble. Ngaphezulu kwenani lentlawulo yentsalela kwimali mboleko. Intsapho yagqiba kwelokuba ithintele ukuba iqinisekise ngenani, kodwa ukuze iphinde ibuye iminyaka eli-15. Intlawulo ekupheleni kwe-10 i-10 ruble. ngenyanga. Le ayisiyiyo eyona ndlela ilungileyo, kuba imali mboleko egqithisileyo iya kuba ngaphezulu. Kodwa kumbolekisi obalulekileyo apho kukho ukuncitshiswa komthwalo wetyala.
Kuya kufuneka uqale ngemali mboleko kunye nemali mboleko ngelona zinga liphezulu. Ukuba kunokwenzeka, kufanele ukuba iqhubeke emva kokungenisa intlawulo efanayo njengangaphambili-i-masali ijolise ekuhlawuleni kwasekuqaleni kwemali mboleko. Iintlawulo ezincinci zokuqala zigcinwe imali egqithisileyo yenzala eqokelelweyo.
2. Cwangcisa inkcitho kwiimveliso
I-Supecking esitolo emva kosuku lokusebenza, kunzima ukuxhathisa isilingo sokutsala umnxeba ngokupheleleyo weepine kunye nemipu. Ukuthengwa kwemihla ngemihla kudala ukukhohlisa inkcitho yenkcitho, kodwa ukuba uqwalasela indleko iyonke yokutshekisha inyanga, kuyacaca ukuba kuyingenelo ngakumbi ukuthenga iimveliso ngeveki. Ukungathenga kakhulu, kufanelekile ukucwangcisa imenyu efikelela kwimenyu. Kwaye iimveliso ezintsha ziya kusela yonke imihla kwaye zingqongqo kuluhlu.
3. Gcina imoto
Okokuqala, kufanelekile ukuba ucinge ukuba usapho lufuna imoto. Ukunyuka kwamaxabiso e-petroli i-petroli rhoqo kunyusa iindleko zokuhambisa imoto. Le mali kufuneka yenziwe iindleko ezisisigxina:- Ukuphulukana nexabiso (umatshini kubiza ixabiso malunga nekota yexabiso ngexesha lokuhamba kwikhabhathi).
- Isidingo solondolozo (ukutshintshwa kweoyile, iifilitha, njl njl).
- Iindleko zokulungisa.
- I-inshurensi yokuhlawula.
- Iindleko zeseti yerabha yexesha elithile.
Ngoqoqosho lwamafutha, kufanelekile ukusika kwimoto yobuqu, ukukwazi ukusebenzisa izithuthi zikawonke-wonke. Ukuba imoto isetyenziswa amaxesha asincinci ngeveki, iyaqonda ukuba icinge ngokuthengisa. Kulula ukusebenzisa amaxesha ngamaxesha kunye nenkonzo ye-carcheher okanye inkonzo yeteksi.
4. Ungalibali ngeebhonasi kunye namakhadi ezaphulelo
Uninzi lweevenkile zibonelela ngenxaxheba kwiinkqubo zokunyaniseka. Abanini bekhadi le-brand bafumana ithuba lokuthenga iimpahla ngexabiso eliphantsi. Kumaqela akhuthazayo kwiinethiwekhi zentlalo upapashwe ngamaxesha ngamaxesha athile apapashiweyo nge-10-50% yesaphulelo.
Kodwa esi sixhobo singcono hayi ukuphoxwa gadalala-kuphela koko kuyimfuneko ukuthenga. I-bitsing eyongezelelweyo yeedayinti kwiinyanga ezimbalwa zisenokungafuneki, njengoko umntwana eza kukhula abe nobunye ubukhulu. Iiphakheji ezininzi zeemveliso ezinomngcipheko olinganiselweyo zisengozini kwifriji kwangoko kwisitya senkunkuma.
5. Yala ukuthenga ngokweemvakalelo
Ukuthenga okungathethekiyo kumgaqo "ndabona-ndifuna- ndiyithengile" yonke imihla. Ukufunyanwa okungafunekiyo kunokuba kungenjalo kwi-tile yetshokholethi kuphela. Kodwa i-curmill ebizayo, eya kuhamba uthuli kwikona emva kwe-jorg. Okanye izitya ezikhawulezayo zixabisa isiqingatha semivuzo, engenandawo yokunxiba.Ngaphambi kokuba uthenge, kuya kufuneka ucinge, kwaye nokuba iyimfuneko na ukuba isebenze. Phuma isigqibo seveki okanye ezimbini, kwaye ubuyela kumyalelo. Kuyenzeka xa imincili yabathengi iqhuba, inkcitho yemali ayisafuneki.
Ukuqukumbela
Uhlahlo-lwabiwo mali losapho alunzima kangako, njengoko kubonakala. Umkhwa wokucwangciswa kokucwangciswa kunye nokungenisa iintlawulo zemali mboleko ziya kunciphisa ukuchitheka ngaphandle kokutshintsha indlela eqhelekileyo yokuphila. Unyango lunokuthunyelwa kwimali eninzi yethutyana.
Ukuba uyathanda ukupapashwa, ungalibali ukuhambisa i-and preserb i-tekwana, kuya kubakho izinto ezinomdla!