Usebenza ukuze uthole akukubi, kodwa akunakwenzeka ukuba bahlehlise ukuthenga izinto ezinkulu kanye nezindleko? Wenzani lapho izinyanga ezimbalwa iholide, futhi akukho ukonga? Noma, mhlawumbe, wena Kuyaphuthuma ukushintsha imoto, futhi ukuthenga Ezezimali entsha futhi anisuthi? Hhayi yayiyini injongo, indlela, indlela imali eyodwa okusheshayo. Cabanga isu futhi ukuze songe imali ngokuningiliziwe.
Funda indlela ukuchitha ngokuhlakanipha
Zama ukugwema ezibolekiwe kanye izitolimende, ikakhulukazi lokhu kusebenza ukubolekisa kanye nenzalo. Umqondo ukuqala ukusebenzisa umkhiqizo noma isevisi namuhla futhi akhokhe - kusasa iheha, kodwa umkhuba isivele 3-4 iminyaka wena engozini ukuze ukhokhele ukuthengwa yakhe kabili. Awusoze wazi kanjani ukulondoloza imali ngokushesha, uze ufunde ukuze enomqondo ukuchitha imali wathola. Ngokushesha ngemva kokunikezwa iholo ukukhokha izinkokhelo zakho kudingekile nyangazonke, isibonelo, ngezidingo, Inthanethi kanye ngocingo. Ngakho, ngemva lezi zindleko ngihlalé namanje isamba umxhwele imali lapho uzoba ukuhlala inyanga. Misa nokujaha imfashini, akudingekile ukuthenga ubuchwepheshe bamuva noma izingubo esinegama, uma lokhu akunakunisiza. Thenga kuphela izinto ezidingekayo, uya esitolo nge uhlu ekugcobisa okulinganiselwe. Ungalokothi ulethe imali yakho "zigciniwe", ngokuqinisekile uyobuyela ekhaya nge isikhwama ezingenalutho, nentando okwesikhathi eside ngokwami okufanele asolwe.
buthelela kanjani imali okusheshayo: umsebenzi ukubambezeleka
Ngena ibhokisi uhlamvu lwemali noma ukuvula i-akhawunti ebhange (samuntu yesibili eziqinile). Kodwa uma ngenxa yezizathu ezithile ufuna ukugcina imali yabo ekhaya, khumbula, awukwazi usisebenzisa kunoma isiphi isimo. Ngisho nanamuhla uma athathe ama-ruble ayizigidi eyodwa, futhi isonto nakanjani ubuye - kwenzeka lutho. Lesi isimiso esiyinhloko kuba imali ngokushesha. Uma ubeke eceleni imali ethile, bayakhohlwa ukuthi le ndawo yayikhona. ngenyanga, kuyinto efiselekayo ubuyise izinqolobane zayo zezimali by inani elilingana ngosuku olufanayo. Uma iholo uthola ngemva kokwenza piercework oda olulodwa, enomqondo silahle kumaphesenti athile gcwalisa ngamunye esikhwameni. Umbuzo ethandwa: "Kungenzeka yini ukuba agcwalisa esikoqokoqweni for isizumbulu kunokuvamile?" Impendulo yalo kufanele uzithola. Uma kunoma iyiphi ngenyanga uke wathola umklomelo, kungase futhi kube umhlaka (njengoba engenayo engahlelelwe) bese uyakhohlwa, noma ungakwazi ukhuthaze ngokwakho ngokuchitha imali ku ukuzijabulisa noma enye ukweqisa. Inketho yokuqala okunengqondo ngokwengeziwe, efanele esimweni ngenxa isidingo sokungaqali uqiniseka ngokuqinile ukulawula zonke izindleko yesibili futhi wayencisha ngokwakho kwanoma iyiphi "izipho" nokuthi iholide ikhokhwe.
Practical amathiphu namasu ekuqongeleleni
Enye yezindlela ethandwa kakhulu ukulondoloza imali ngokushesha, kufaka ukuvula i-akhawunti idiphozi benethuba umthamo wemvula. Uma buthelela semali, ungenza umsebenzi imali, nezinye, indlela ikhiqize kakhudlwana. Nokho, asikho isidingo ukubamba iqhaza izinkampani ezingabazekayo zezimali, ungathatha ingozi ukuze uthumele imali yabo izigebengu. Iphinde kwenza akukho mqondo ukutshala imali izibambiso yesikhashana, uma ungeyena ujwayelene nalesi. Akunakusetshenziswa ungaceli nabangane nabantu obajwayele kanjani ukulondoloza imali ngokushesha, futhi musa bangatsheli muntu ukuthi kuseduze ukususwa iphupho. Khumbula, aphume piggy yakhe yasebhange abakwazi ukunikeza umuntu loan uma ingabuyeli ngesikhathi, izinhlelo zakho kungase igoqe.