UKakeBO: Ungayigcina Kanjani Isabelomali SaseJapan

Lolu hlelo lwesabelomali selufikile neJapan Khani. Futhi igama elithi kakebo uqobo, eliqukethe ama-hieroglyphs amathathu, lisho incwadi yomnotho wasekhaya. Ngokusho kohlelo lokonga, udinga ukwakha amanani amancane, kepha njalo. Ungayenza kanjani?

Yini edingekayo kwisabelomali

Uzodinga incwadi yokubhalela noma incwadi yokubhalela lapho uzonikela khona. Kuncwajana enkulu, ungadweba itafula lapho izigaba ezine zezindleko zizokhonjiswa:

- Izindleko zasendlini (okokugqoka, izicathulo, ukudla, amakhemikhali asendlini);

- Izindleko zezemfundo namasiko (ukuqeqeshwa, amathikithi enkundleni yemidlalo yeshashalazi, emnyuziyamu);

- Izindleko zokuzijabulisa (imihlangano nabangane, ukudla kwasendaweni yokudlela, ukuhamba ngezinyawo);

- Ezinye izindleko (konke okungazange kufake izigaba ezintathu ezedlule, kepha imvamisa kuyimali esetshenziswayo, njengokulungisa noma ukwelashwa).

Ngaphambi kokwenza uhlelo, kubalulekile ukunquma ukuthi ulungele ukusetshenziswa malini esigabeni ngasinye. Ngenyanga yokuqala ukuphathwa kwesabelomali, uhlelo olunjalo luzobe luvivinywa. Itholwe nguwe Thola ukuthi awukwazanga ukwedlula isabelomali noma udinga ukwandisa ngandlela thile. Ekupheleni kwenyanga uzohlaziya ukusetshenziswa kwakho kwemali futhi uzilungiselele uma kunesidingo.

I-Pexels / Karolina Grabewska ezibalulekile zezakhi zeKakebo

Isabelomali sisuselwa kwinqubo emihlanu.

Hlela

Yonke into etholwayo futhi esetshenzisiwe kufanele ibonwe emashalofini, kufanele kubhekwe i-ruble ngayinye. Kulapho kuphela uhlelo lwe-kakedo luzoqala ukusebenza.

Ukonga

Uhlelo olusebenzayo luzosivumela ukuthi sivikele imali yakho ekusetshenzisweni kwemali eqhude futhi sigcine kuze kufike ku-30% kokuthenga okudingekayo.

Phatha

Uphatha imali, hhayi wena. Kulesidididi lokuqina!

Imfundiso yokulalela

Ufunda ukuphatha ezezimali, ngakho-ke impilo yakho. Uyazihlelela!

Isibindi

Ukwazi ukuthi une-pilaw yezezimali nokuthi isabelomali sisebenza kuwe njengewashi, uyazola impilo yakho, okusho ukuthi ungagxila kwezinye izinto kuwe.

I-Pexels / Joslyn Pickens ukuthi uqongelela kanjani imali

Ngokungeziwe kwinani elinikezwe isabelomali, eliqhubeka ukonga, uhlelo lweKakeBBO likuvumela ukuba ushaye futhi uphinde wandise ukonga.

1. Ukubambezela izikweletu ezibuyele kuwe ebhange le-piggy. Eqinisweni, akulona imali nhlobo, kepha lezo zimali awufundanga kwesinye sezinyanga ezedlule.
2. Njalo kusihlwa i-valve evela emaphaketheni iyindlela ethe xaxa futhi ihlehlisele ebhange le-piggy. Ekupheleni kwenyanga, le nto encane izoba yimali ekhathele.
3. Dweba imali enkulu? Beka phansi ushintsho ebhange le-piggy ngamaphesenti ahleliwe. Isibonelo, ama-ruble ayikhulu. Uma kukhudlwana imali ekhokhwayo, okukhulu kakhulu amaphesenti ahlehlisela.
4. Unyathela ngokwakho ngenxa yokuntuleka kwesiyalo. Isibonelo, ngaphuthelwa isikhathi sokuqeqeshwa kokubhalisile, esichithe imali, sabeka inani elithile ebhange le-piggy. Ngakho-ke uzobe uqondiswe ngokwengeziwe.