Isu sezimali somuntu siqu, noma indlela eya ekuzimele

Bambalwa kubo abanesithakazelo esingokwemvelo kanye nothando lokubalwa kwezimali. Iningi lethu, ngamagama athi "ukuhlela kwezezimali", "ukubiza imali", "ukuhlelwa kwesabelomali" nokunye okunjalo, ukuqala ukukhishwa ngokungenasici. Eqinisweni, konke lokhu kubonakala kungekuhle kakhulu uma kukukhathaza wena. Abantu abaningi bajwayele isimo lapho, ngemva nje kwesonto ngemuva kokuthola umholo wemali, ihlala "kuphela" kuze kube yilapho ezayo, futhi ngesonto noma amabili kamuva kuvela ukuthi sekuyisikhathi sokubheka umboleki kuze kube ngosuku olulandelayo lokukhokha. Wonke umuntu uyazi ukuthi ayikho imali eningi. Yiqiniso, wonke umuntu unenqubo yakhe siqu "eminingi-encane", kodwa lesi sihloko esihlukile.

Akudingekile ukuba ukwazi konke ukuhlakanipha kwezomnotho ukuze ufunde indlela yokuhlela imali yakho kanye nezindleko ngokufanele. Phakathi naleso sikhathi, ulwazi oluyisisekelo namakhono kule ndawo lungasiza wonke umuntu, kungakhathaliseki ukuthi ubukhulu bomholo kanye nesimo somshado. Ukuphathwa kwesabelomali somndeni kungalinganiswa ngokwezindleko zemigomo elula, eyaziwa yiwo wonke umuntu. Kuphela kwabaningi, lolu lwazi luhlala luyingqondo ngenxa yobuvila noma ukungakholwa.

Indlela yokwenza uhlelo lomuntu siqu lwezezimali

Okokuqala, kudingeka siqonde futhi silungise lokho esinakho ngokwemali engenayo kanye nezindleko. Labo abathola inkokhelo engapheli noma engaphansi, ne-engenayo into ezobhekana nayo kalula. Kodwa ukucacisa inani lemali kuzodingeka basebenze kanzima. Kubalulekile ukuqala ukurekhoda zonke izindleko zakho encwadini (ifayili yekhompyutha, uhlelo olukhethekile, okwamanje luningi - ukhetho lwe-akhawunti lukhethwa yilowo nalowo ukunambitheka kwakho). Igama eliyisihluthulelo emshweni wokugcina yilokho okunye, ngoba, ngemva kwenyanga, uzomangala ukuthola ukuthi imali ehamba kahle kangakanani "engekho".

Ngenyanga noma amabili amarekhodi ahlakaniphile, ungaqala ukuhlaziya okuthakazelisayo kakhulu. Lo mzuzu ugcwele "izinto eziningi ezitholakalayo" ngisho nalabo abangenandaba nokuchitha imali. Kubalulekile ukuhlolisisa hhayi kuphela izinto ezisebenzisayo, ukuzilungisela esikhathini esizayo, kodwa futhi isilinganiso sezimali ezingenayo kanye nezindleko. Lesi yisizathu esihle sokucabanga: mhlawumbe kungcono ukwenza imizamo yokuqinisa umnotho, kodwa ukuzama ukuthola ngaphezulu?

Ngemva kokucabangela ngokucophelela yonke into, udinga ukwenza uhlelo lwakho lwezezimali. Lapha - inkululeko ephelele yokudala, ngokucabangela, yebo, ukuhlaziywa kwangaphambilini.

• Singancoma kuphela ukubeka lesi sihloko ngokuthi "izindleko ezingalindelekile", kufaka phakathi okungu-10% wemali engenayo. Kufana nokulungisa - impilo ihlala iphonsa izimanga ezingalindelekile. Musa ukudidela le mali nge-capsule yamaqanda ngosuku lwemvula! Uma ungakwazi ukuchitha imali enikezwe okungalindelekile, ungayilahla ngokuphepha - okungenani uyibeke, ngisho noma wena ngokwakho uyinto engakunqoba.
• Uhlelo lwezimali lomuntu siqu kufanele luqukathe isicatshangiselo "sokuqoqa". Bonke ochwepheshe kule nsimu bavumelana ngokufanayo ukuthi leyo-10% ingahle ibekwe ngokuphephile, kungakhathaliseki ukuthi inani lemali engenayo, kungakhathaliseki ukuthi kubonakala kanjani ukuthi ibhande elinamandla lingagciniwe. Ngaphezu kwalokho, kunengqondo ukudlulisela la ma-10% ngokushesha kwi-akhawunti yasebhange, ukuze kungabi nesilingo sokusebenzisa. Umuntu ongenayo imali ethile ngemuva komphefumulo wakhe angeke abe nokuqiniseka hhayi kusasa kuphela, kodwa ngosuku lwanamuhla.
• Ukwenza uhlelo lwakho lwezezimali, akufanele uchithe kakhulu ukusetshenziswa kwemali nemfundo. Lezi zimali zingabhekwa njengengumnikelo esikhathini esizayo, ngoba umuntu ogulayo akakwazi ukuzitholela ngokwanele yena nabathandekayo, futhi ukuqeqeshwa okuqhubekayo kunganikeza imithombo eyengeziwe yemali engenayo.
• Kubalulekile ukucabangela ngokucophelela ngezindlela ezivamile, "ezilungile" zokulondoloza, njll. Ngaphandle kokulimala okuningi kuwe. Ungakwazi ukwandisa izindleko ngezindlela ezahlukene - isibonelo, ukuthenga ukuthengwa kwe-intanethi, khetha intela engcono kakhulu yokuxhumana kwamaselula, i-TV yedijithali, ungazishiyi izenzo, ukuthengisa, ukunciphisa amasayithi (kuningi labo manje), njll.
• Uma uhlelo lwakho lwezezimali luhlanganisa into enjalo njengogwayi, yandisa inani elifakwa enyangeni ngo-12, bese kuthi inani leminyaka ongathanda ukuhlala ngalo. Uthola kanjani umphumela? Ingabe uzimisele ukuchitha imali enjalo ukuqinisekisa ukuthi isikhathi osinikezile sinciphise kakhulu? Ukuzibulala okwesikhashana ngemali yabo kuyinto engabaza imali.
• Futhi okokugcina. Imali kufanele isebenze. Uma kukhona into ongayitshala - yenzani (cabanga nje kahle - kuphi), vumela inzalo ebhange incane, kodwa kusengcono ukuyithola. Uma izimali ezengeziwe ziphenduka, ngokushesha zibuthelela. Ungabi nhlobo, kodwa yeka ukuxosha. Impumelelo!