Kanjani ukuqongelela ephusheni uma uhlala ufuna okuthile

Kodwa-ke, akwanele ukubhala imali engenayo kanye nezindleko zabo - akukho ngisho nezicelo eziyishumi nambili zalokhu. Okunzima kakhulu ukunamathela eshadini lezezimali. Ukuze ungadluli ngaphezu kwalokho okuvunyelwe, udinga ukufunda imibono emibili ebalulekile.

Iqiniso limi ngokulandelayo: Sihlala singenele

Ngakolunye uhlangothi, sasinenhlanhla enkulu yokuphila ezweni lapho ungaphuma khona endlini naku-radius yekhilomitha elilodwa thola izitolo ezinkulu eziningana, ezinye zazo ezizoba yihora lewashi. Ngakolunye uhlangothi, izifiso zethu zibhekana nezici ezilinganiselwe kakhulu. Okungukuthi, kukhona ukukhetha okuhlelekile, kepha empeleni iningi labangenalo alikwazi ukukhokhela lokhu okukhethwayo futhi lenza izithonjana ngokuya ngesikhwama sazo, hhayi izidingo. Futhi kungazelelwe hhayi ukudela okuthile okubaluleke kakhulu, udinga ukufunda ukuthi ungazibeka kanjani izinto eziza kuqala.

Isabelomali esinekhono sithule futhi sizethemba

Vuma ukuthi ukucindezela kuba mancane kakhulu, uma wazi: Kwenye indawo emvilophini noma kwi-akhawunti ehlukile, umcamelo utshalwe ebhange. Ngemuva kwakho konke, awekho amaphesenti ayikhulu angaqiniseka ngakusasa. Futhi akunandaba ukuthi sifuna malini, kepha hhayi konke empilweni yakho esikwazi ukukuthonya: amandla umsebenzi ngokuzumayo, ngeshwa, futhi ngeshwa, izinkinga zempilo. Kanye nokunciphisa ukushaywa kwesiphetho ngeke kulimaze ukukhulisa utshani bezezimali.

Lapho nje ukuqonda kuza leyo nhlala-kahle yezezimali ibalulekile hhayi okwamanje, kodwa futhi nangesikhathi eside, izingqinamba zokuhlela kabusha kwesabelomali azisaboni lokho okukhethwayo. Futhi lapha siya entweni ethile.

Ngenxa yalokho okugcwaliswe ngebhalansi yakho

Lapha udinga ukubheka iholo lakho (kanye nomholo wawo wonke amalungu omndeni), futhi uma ubeka efulethini, khona-ke imali engenayo evela kuleyo mpahla. Kungenzeka ukuthi utshale imali kumathuluzi asendaweni ethile futhi uthole amaphesenti. Inani lokugcina liyimpahla yakho. Imali engenayo evela kokuthengisa ngesikhathi esisodwa (ngokwesibonelo, izimoto) noma imali yezipho ayifakiwe lapha.

I-Pexels / Nataliya Vaitkevich Iphi imali, lebovski?

Ukubanjwa, lapho imali ihamba njalo ngenyanga. I-Quartphoto, ukudla, okokugqoka, izindleko zokwelashwa, ukunakekelwa kwezingane noma ukukhokha okukhethwa kukho, ukuqina, ukuzijabulisa, ama-salon ubuhle - Yini engangena esigabeni sokusebenzisa imali njalo. Ukwenza ukuhlaziya okunjalo kusetshenziswa amabhange kahle - eziningi zazo zibheka ngokuzenzakalelayo izibalo zezindleko lapho ukhokha ukuthenga ikhadi. Thatha umthetho ukwengeza konke ukusetshenziswa kwemali kwemali yakho kuhlelo olufanayo ukuze izibalo zithembeke ngokwengeziwe.

Ukuhlaziywa kwezindleko

Kwabaningi, kungaba ukumangala ukuthi imali engakanani esetshenziswa ekuthengeni okuzenzakalelayo. Kubukeka sengathi: ukuthengiswa, isikibha yesaphulelo, futhi uma uthatha amabili, khona-ke isipho sizonikeza izikhindi ezinhle. Noma uhambo lwesinkwa nobisi esitolo esiseduze ngokuzumayo kwaphenduka ukuthengwa kwemikhiqizo yesonto. Noma cha isonto lonke? Lapho amaphakethe wephakethe agcwele phama, kuvela ukuthi akukho lutho olubalulekile oluthathiwe. Futhi njalo ngenyanga noma kubi - masonto onke. Uma udweba uhlu lwemikhiqizo edingekayo kusengaphambili futhi uthathe inani elilinganiselwe nawe, ngokuqinile ukukhokhela imikhiqizo ekhethiwe, ngeke uchithe kakhulu.

Izinhloso nokuthi zingabiza malini

Ngakho-ke, ngokusobala uzocabanga ukuthi kungani futhi udinga malini ukusakaza. Isibonelo: Ufuna ukudala "i-airbag", ukubulala imali ngohambo oluya eYurophu, ubuyise isikweletu, thumela ingane engxenyeni yezemidlalo, futhi unikeze umngane kumngane wosuku lokuzalwa, futhi mina uqobo yinkambo ye-Wellness at udokotela wamazinyo. Futhi lokhu akubali ukusetshenziswa kwemali yamanje "empilweni". Kunesamba sezinjongo ngevolumu yemfundiso futhi uthole inani eliphelele lesikweletu sakho.

I-Pexels / Cortbro Qhathanisa Izimpahla Nezikweletu

Cishe inani lempahla lizoba yizikweletu eziphansi. Ayikho inkinga! Uhlome ngesibambo, incwadi yokubhala, umshini wokubala futhi uqale ukunquma ukusetshenziswa kwemali yakho.

Ukuzijwayeza kukhombisa ukuthi izindleko zamanje zinganqunywa ngo-20-30% ngaphandle kokubandlulula induduzo yayo. Vele, kunemikhakha enjalo engeke ikwazi ukusika: ukuqasha, umuthi noma imali yokuqeqeshwa kwezingane. Kepha uma kungenjalo ungaphatha ukucwaningwa okubucayi. Isibonelo: Akukho ukuthenga kwenkampani - Gwema ukuthengwa okungakahlelwanga kwe-wardrobe noma impilo; Ukuthengwa kwemikhiqizo - ngokushesha isonto, ukuze ungahlakazeki ekhekhe noma pizza ngemuva komsebenzi; Esikhundleni setekisi - ibhasi; Esikhundleni sekhofi nami - ikofi kusuka ekhaya e-thermoruise. Amaviki ambalwa kuphela wombuso, futhi uzothola imali eyengeziwe esikhwameni sakho.

Izindleko zezinhloso namaphupho zilungile ngoba eziningi zazo zingalulwa ngesikhathi: Uma iholide lihlelelwe ihlobo, ungaqala ukonga unyaka omusha. Ngaphezu kwalokho, akudingekile ukuhlanganisa wonke amaphupho ngasikhathi sinye. Okokuqala asabalalise izikweletu, bese uthengela umngane wakho isipho sosuku lwakho lokuzalwa, bese ukhokha izifundo noma okubhaliselwe.

Ngobuchwepheshe, kulula kakhulu ukukwenza. Ungavula ama-akhawunti ambalwa wethagethi ebhange futhi uhumushe usho izingxenye zomholo ngamunye lapho. Futhi ungasabalalisa imithombo ehlukene yemali engenayo ngezinhloso. Isibonelo: Iholo lezindleko zamanje, inzalo ekutshalweni kwemali - ngezipho bese ikhefu.

Ukwehlukanisa imali yezindleko futhi kunciphise lapho kungenzeka khona, ukusetshenziswa kwemali kwamanje, uzobona ukuthi igebe phakathi kwezikweletu zanyanga zonke lizokwehla kanjani, bese lizokwenza nakancane. Konke, uhlelo lwesabelomali selulungile! Ekuqaleni, kungenzeka kungabi lula ukunamathela kuzo zonke izindleko zezindleko, kanye nokuphulwa kokwephuka. Ungazikhohlisi, konke kuza nesipiliyoni. Isisusa esinamandla ikakhulukazi sokuqhubeka nokulandela uhlelo kungaba ukuphela kwenyanga. Lapho uqaphela ukuthi kungukuthi ngokwezezimali kuba yiphupho lakho, imikhuba emisha isakwazi ukuqiniseka.