Uninzi lokuphupha ngokuzinikela ngokwabo kumthombo othile wengeniso. Ngendlela ebingayi kuqinisekisa ngokupheleleyo ubukho, kodwa okungenani inike inani elongezelelweyo lomvuzo kwindawo ephambili yomsebenzi.
Oku kunokwenzeka ukuba zinikezele kwimakethi yezokhuseleko, ukuba uyasebenza ngokuchanekileyo kwaye uphephe ezo ziphoso zihlala zenza ukuba abatyali-mali be-novice. Masizame ukufumanisa ukuba ungatyala phi imali encinci.
Ungafumana malini?
Owona mbuzo uvuthayo: Ungayifumana malini imali kwixabiso elincinci? Ngelishwa, kuya kufuneka utshabalalise ngoko nangoko ukukhohlisa. Ukutyala imali i-ruble, akunakwenzeka ukufumana ikhulu leedola yonke imihla yonke imihla. Kwaye le yeyona mpazamo inkulu yeenombolo ze-novice - ukulindela kakhulu. Ngaphezulu kwemakethi yesitokhwe enokuthi inikezwe.Kwihlabathi lezemali, ngalo lonke indawo kwaye kuyo yonke indawo kukho ulawulo olungaguqukiyo: Ukuphakama kwesivuno, ngaphezulu kwenqanaba lomngcipheko. Ngapha koko, umda wokugqibela nocacileyo phakathi kotyalo mali kunye nokudlala akukho. Akunakwenzeka ukuthi oku kurhwebo ngemali enamagxa, kwaye apha sele liyi-crank casino. Inyani yile yokuba ukuba kukho ipesenti ephezulu kakhulu, ukuba kukho ithemba lokwenza inzuzo ingaphezulu kwesengqiqweni, oku kuchanekile okanye ngumdlalo, okanye zombini kunye.Ngapha koko, kwintengiso yesitokhwe, unokufuna ukufumana i-5 ngepesenti ye-dibanisa kwimali. Ngamanye amaxesha iphothifoliyo iya "idubule" kwaye inike okungakumbi, yithi, ukuya kuthi ga kwiipesenti ezingama-30. Kungcono ukuqaphela ngokunyaniseka: kuyingozi kwaye unethamsanqa. Kodwa eyona nto iphambili kukuba "ubuze ngaphezu kwe-5%, kungenjalo kufike umtyali-mali okanye kwangoko ngumtyali-mali.
Yimalini ekufuneka utyala imali
Ungaqala utyalomali ukusuka kwinani elincinci ngokupheleleyo. Masithi ayizukuvumela ukuba uphile ngaphandle kwequla, kodwa zonke iindlela ziqala ngenyathelo lokuqala. Ngayiphi na imeko, intengiselwano yokuqala mayithathwe kunye neemali ezingayothusi.
Ukongeza, kukho icebo elinjalo lotyalo-mali olunomdla: Ungatyala imali eninzi, yonke into esele ithathe i-browmer, njengoko abathengisi bobuxoki benzayo. Ngokuchasene noko, ulondolozo olukhulu, ngalo lonke ixesha kukho ithuba elinjalo, elincinci ngokuncinci ukugcwalisa iphothifoliyo yakho. Masithi, ukufumana umvuzo, ukuchitha ipesenti ezilishumi, ukuba ungachithi i-Red Rod kwindawo yokutyela, kodwa ukuthenga ibhegi encinci "yezokhuseleko.Le ndlela yenze abantu abaninzi kwihlabathi elityebileyo ekugqibeleni. Kwaye akamangalisi. Nokuba kwenzeka ntoni kwiingcaphuno ezivela kwimihla ngemihla ekutshintsheni kwesitokhwe, ekupheleni koqoqosho lwelizwe ziyaphuhlisa, kwaye ekugqibeleni, ngaphezulu kwamashumi eminyaka, izabelo zezona nkampani zibiza kakhulu. Kwipotifoliyo yephepha elithengiweyo - ngamaxabiso ahlukeneyo, i-avareji iminyaka emininzi. Ngenxa yoku, ngokuqinisekileyo baqalisa ukuba babiza kakhulu kwixesha elizayo.
Khetha iimarike
Imakethi efanelekileyo yovavanyo lweemali ezincinci zemali inokwenzeka ukuba ibe sisitokhwe, kwaye ibizwa ngokuba yi-chips eluhlaza okwesibhakabhaka. Kutheni kunjalo? Sithelekise ezinye izixhobo.Iindlela ezizezinye, ngabakhulu, zithathu kuphela, ngenani lamanye amacandelo otshintshiselwano lwe-Mscow.
- Imakethi yemali. Kodwa oku kukwimo yayo emsulwa umlinganiselo wamaxabiso enzala, kunye nefuthe lezinto zopolitiko. Ngokwayo, ubunini bemali ayiphathi nayiphi na inzuzo: umzekelo, idola yidola. Ukuba umntu uthenge iidola, kwaye ngonyaka bathengisela babuyela kwi-ruble, nkqu ne-dibanisa, kodwa bengasebenzi, bengazange baphulukane nokuncipha kwekhosi. Kwaye ukuthenga okusulungekileyo kungaphelanga intengiso yokuthengisa, ukuba unethamsanqa, kwaye ikowuti iya kukhula - kunokuba ngumdlalo wokungcakaza ukuba athethe, kwaye ungabizimali.
- Olunye ukhetho ngamaqhina ahlanganisiweyo. Ewe, isixhobo esihle nesiyimfuneko, kodwa hayi kwiimali ezincinci. Ukutyalwa imali, umzekelo, iwaka le-ruble, ihlala ixabisa kakhulu iphepha elinye, ngonyaka umtyali-mali uya kufumana i-ruble i-50 i-ruble inzuzo apho yonke ingeniso iya kufumana inzala, yonke into aya kuyifumana - yile Imali yohambo olunye lokuya kwiNdlela eNcinci!
- Ukhuseleko oluhluthwe. Eli candelo licacile. Yenzelwe abathengisi beengcinga-mali ezixhaphakileyo, ezona zilahlekileyo zemali apho, kwaye begxeka, abo bagcina ukuthengisa ngezemali okugubungela izivumelwano zokwenyani. Ngokubanzi, ngokucacileyo le ingekho kwimakethi yabaqalayo.
Icandelo kuphela lesitokhwe lisahleli, ukuthengisa isitokhwe. Ngaphezu koko, ukhetho lungcono ukuyeka ubuncinci, kwelona lizwe, ukuba kuphela kuba banokuthengiswa nangaliphi na ixesha, ukuba kukho into engahambanga kakuhle.
Nguwuphi umthengisi ukuba asebenze
Ngamaxabiso amancinci, eyona nto ibalulekileyo kukufumana umrhwebi ngeKhomishini ePhambili. Kuba abathathi-nxaxheba abanobuchule kwimarike yezokhuseleko kwiinkonzo zabo bathatha imali rhoqo - nokuba ngaba ngumthengi wayo okanye thabatha. Ikhomishini enkulu iya kuyitya nje imali encinci esele ihlawulwe. Kwaye akukho zinkonzo zongezelelweyo, kwaye zikhulu, azidingeki, kufuneka ufunde kwasekuqalekeni ukuba uthathe uxanduva kwaye uthathe izisombululo zotyalo-mali ngokwakho.
Baninzi abarhwebi, kwaye bonke bakhuphisana nabo. Phakathi kwabo, eRashiya, njengaseNtshona, kubungcali buqala ukukhulisa, abathengisi bobutshaba bavele. Bekusoloko kukho i-finm, u-Anton nabanye. Kule mihla, i-tinkophef izama ukuzibonakalisa kule niche, kodwa iKhomishini yokuqala yeNtlango yi-0.2%, nokuba zithini na ukuba zibonakala ziphezulu. Ihlala ifanelekile ukukhangela-ngexabiso elipheleleyo lenkonzo. Ngaba zikho iintlawulo ezongezelelweyo zokhuseleko lokufumana, ukufikelela kwinkqubo yolwazi, njalo njalo.
Umzuzu okhethekileyo yintlawulo yenyanga. Ngamaxabiso amancinci, kungcono ukuthintela abathengisi abawunika ubuncinci ubuncinci ngenyanga. Kulula ukuba ujonge, "Tsala" okanye akukho msebenzi mthengi wombutho othile. Kuyimfuneko ukuthatha indleko zenyanga, kaninzi ukuya kwishumi elinambini ukufumana ixabiso lenkonzo yonyaka. Emva koko iziphumo ezifunyenwe zahlulwe zaba yindleko zephothifoliyo kwaye ziphindaphinde iipesenti ezilikhulu.
Umzekelo, umrhwebi ubuza i-ruble e-100 kuphela. Sandisa nge-12 kwaye sifumana i-ruble 1200 ngonyaka. Kwangelo xesha, iphothifoliyo yokuqala yomtyali-mali ifanelekile, yithi, amawaka ali-10 ruble. Iyonke i-1200 yahlulwe yaba yi-10,000 kwaye iphindaphindwe nge-100% ilingana ne-12%. Ngaba ininzi okanye incinci? Ewe, ayisebenzi! Khawufane ucinge ukuba umtyali-mali wonyaka ufumene i-5% ngonyaka. Kubo wanika i-12% kwaye ishiywe ngelahleko ye-7%. Akunakwenzeka, akufanelanga-hlawula imali eyongezelelweyo ngelungelo lokuza emsebenzini! ..Nditsho nepesenti enye yemali enonyaka ixabisa kakhulu. Ngokubanzi, ikhomishini yemisebenzi eyenziweyo, kuphela ukuba kukho ukuthengiselana, kufuneka kumgangatho wanamhlanje ubonelelo kunye nemfuno ibe kwindawo ethile ngezantsi kwenqanaba le-0.1 pesenti. Sukukhetha iimeko zalo mthengisi-siya kwenye.
Sifumana amava
Ukuba ubeka imali encinci, ayizukusebenza izinto ezininzi. Imali kwintengiso yesitokhwe iya kwimali, nangona kunjalo, njengayo yonke indawo. Kodwa kule mali incinci-unokufunda kakhulu kwaye kakhulu. Kwaye ukhule ngephothifoliyo yakho. Ukuze wenze inzuzo kwimarike yotyalo-mali, kubalulekile ukuba ufunde ukuqonda ezinye izinto.- Okokuqala, ukuqonda i-macroeconomics. Ngenxa yoko bekuya kuba kuhle kakhulu ukuba bekungaziswa ngaphambili, thatha kwaye ufunde isifundo esihle. Kubaluleke kakhulu ukuba umtyali mali uqonde okwenzekayo kwaye ukwazi ukwakha umprofeqi ofanelekileyo. Nangona kunjalo, akulunganga ukwenza nawuphi na umntu ubomi obungcono, hayi umtyali-mali kuphela.
- Kuyimfuneko ukuqonde ingxelo yeenkampani kwiziphumo zazo zemali. Ngokuphathelene noku, abo banamava okanye amava eshishini okanye amashishini akwenye yangaphambili. Abanye baya kuba nako ukufumana isihloko.
- Kwaye ekugqibeleni, okona kubaluleke kakhulu, kubaluleke ukuba uphuhlise ubuchule bokucinga ngokuvakalayo. Kwenzeka ntoni ukuba kukho into kwaye? Umzekelo, i-coronavirus yabangela ukuvalwa kwemida, ichaphazele ishishini lokhenketho, ukuba akazange afe, emva koko walala. Yintoni elandelayo? Ukuwa kwezabelo ze-airlines. Kwaye basondla phi abantu, zeziphi iifemu eziya kunika imali yazo ukuba awukwazi ukuya kwindawo yokutyela okanye i-binema? Igatya i-pizza, ziya kundwendwela iisayithi ze-Intanethi zokuthenga? Thenga kwaye ubukele imovie ekhaya?
Kwaye kuya kwenzeka ntoni kwintengiso xa i-pindemic ifike kade okanye kwasekuqaleni? Ngaba iikopi ze-boeing ziya kusetyenziswa kwinqwelo moya esemhlabeni? .. njalo njalo. Zonke ezi ziingcamango zotyalo mali kunye nethuba lokufumana.
Ngapha koko, utyalomali kwintengiso yesitokhwe inomdla kakhulu. Kwaye kunjalo, kufanelekile ukuzama ukuyenza ngokwakho, kwaye hayi ukuhambisa imali kulawulo lweengcali. Ngokuqinisekileyo umntu uya kuba njengabaphumli kuphela, kodwa yona ngokwayo.
Uhlalutyo lobugcisa, iipro
Kwiimali zezezimali, ikho ithiyori enye, isiseko semodeli esenziwe lula sijongeka ngolu hlobo: Iikowuti zithathela ingqalelo zonke, ke iziphumo ezisisiseko - iziphumo zenkampani, awunakuthatha I-akhawunti kwaphela, kwanele ukuhlalutya igraphics, imbali yokutshintsha kwamaxabiso. Le ndlela ibizwa ngokuba luhlalutyo lobuchwephesha.
Ngokuyinxenye, ukuthandwa kohlalutyo lwelizwe lonke kuchazwa ngabantu abaninzi bobunjineli - inani elikhulu leengcali zobuchwephesha abafundayo ezisondeleyo kuhlalutyo lwezibalo kunoqoqosho.
Ewe kunjalo, uhlalutyo lobuchwephesha unelungelo lobomi, abaninzi bazisebenzisa, kwaye ngamanye amaxesha kakhulu. Ngokukodwa, xa iba sisixhobo sokukhetha umzuzu ofanelekileyo ukuba ungene kwintengiso kwaye uphume kuyo.
Uqeqesho lwezemali
Kwaye ekugqibeleni, isihloko, esichaphazela kuphela zonke iingcali, nangona kunjalo, zihlala zilinganiselwe kumazwi ngokubanzi. Iya kuba malunga nemingcipheko. Ewe, nayiphi na ingeniso kwilizwe lezemali inxulunyaniswa nemingcipheko. Asinakubasusa, kodwa kukho imali yokujongana nayo, ukuba ichaniswe.- Eyokuqala yindawo eyahlukeneyo yephothifoliyo. Awunakho ukwenza yonke iphothifoliyo yonke into evela kwiphepha elinye. Akukho ngqondo yokuthenga izabelo zeenkampani ezimbini ezikhuphisana kwaye ucinga ukuba siye sayeka umngcipheko. Zonke iimbambo zeoyile kunye negesi enye ziya kuba zixabiso eliphantsi ekuweni kwamaxabiso amandla, akukaqaleki. Ewe kunjalo, xa unamathela kwimali encinci, amathuba aphelile ngokwaneleyo.
- Into yesibini kukuba umtyali-mali oyi-novice uya kwamkelwa kukuqulunqa ilahleko yokumisa, ii-odolo zomthengisi ukuba zivale izikhundla, ukuba kukho into engahambanga kakuhle. Ukuqala, kunokwenzeka ukuba kuncome ukusoloko ushiya enye okanye enye into ukuba ilahleko yenziwa, yithi, iipesenti ezi-5.
Ekugqibeleni, ilahleko evumayo igqiba izigqibo ngokuzimeleyo. Kodwa kube kanye. Nje ukuba isigqibo kufuneka siqwalaselwe ngokungqongqo. Le yeyona ndlela kuphela-ungaphulukanga yonke into.
Ngelishwa, abatyali-mali be-novice banokugcina utyekelo oluguqukayo ngokupheleleyo: Izikhundla eziphumeleleyo zivaliwe kwangoko, kodwa ezingenamsebenzi zibanjwa kude kube sekupheleni-kude kube yimali.
Iziphelo kunye nemiyalelo apho kufuneka utyale imali encinci yemali
Ke, eyona ntengiso ibalaseleyo yokuncamathisela imali encinci, ngokoluvo lwethu, ezi zizabelo zeenkampani, "i-chips eluhlaza okwesibhakabhaka" ngomthengisi kwi-MOSCOW. Ukuze uqale utyale imali ngempumelelo, kufuneka wenze amanyathelo amaninzi.
- I-akhawunti evulekileyo yoRhwali ngokukhetha inkampani ebonelela ngenkonzo engenaxabiso ngaphandle kwentlawulo yenyanga.
- Phezulu kwiakhawunti kwaye uqalise ukugqiba kwel.
- Musa ukuba ngamavila kwaye uqale ngokukhawuleza ukufunda umxholo: Iinkampani zezemali kunye nezezimali.
Okokugqibela, into yokugqibela kodwa ebaluleke kakhulu kukuzimisela kwaye ngokungqongqo uqeqesho loqeqesho, ukwahlula-hlula iphothifoliyo kunye nokuseka izithintelo kwilahleko evumelekileyo nangasiphi na isixhobo.
Zuza kakhulu ngokubeka imali encinci, ayiyi kusebenza kwangoko. Kodwa unokufunda ukutyala imali kwintengiso yesitokhwe. Kwaye i-akhawunti inokwenzeka kakhulu - ukugcwalisa ngokuthe ngcembe. Kwaye ke ukwenza - ngakumbi.