Namhlanje kunanini na ngaphambili kubalulekile ukuba wazi iinguqu kwezemali kwilizwe lakho nakwihlabathi. Kodwa ukuba umsebenzi onjalo awukukholisi, ungaqala ukuqonda imali yendlu yakho kwaye uphathe imali yakho ngokulula nangokucocekileyo.
Ngokomgaqo, ukuba umvuzo wakho ulungile kwaye ungaphaya komvuzo wakho, awunakukhathazeka kakhulu ngaphandle kokuba ufuna ukutyala imali eninzi kwishishini. Kodwa ukuba umvuzo wakho ukunika ikhefu kuphela, kulungile, kuya kufuneka ufunde ukulawula okuncinci okufumanayo ukuze ungabinakho ukumangaliswa kwaye uphile.
Njengenyathelo lokuqala, kuya kufuneka ubhale phantsi zonke iindleko zakho kwispredishithi. Ngokulandelelana, ufaka inkcitho kunye nenkcitho onayo kwinyanga enye. Ezi nkcitho-ekufuneka zenziwe ngaphambi kokuqala kwenyanga ekubhekiswa kuyo-kufuneka ibe luqikelelo okanye umndilili weenyanga ezidlulileyo. Kumqolo olandelayo, kufuneka ufake iindleko zakho, kodwa ziyinyani. Oko kukuthi, iindleko ngqo onazo ngeentsuku ezingama-30. Kwaye kumqolo wesithathu, umahluko phakathi kwezi zimbini. Usenokuba uchithe imali engaphezulu okanye engaphantsi kuxhomekeke kumahluko phakathi kweendleko ezizinzileyo kunye nezo ziqikelelweyo.
Mhlawumbi inyanga yokuqala ngekhe uyiqaphele, kodwa kweyesibini nakweyesithathu uyakuqaphela ukukhutshwa kwemali kwiindleko ongazidingiyo, okanye wazi ukuba kwinyanga ezayo kuya kufuneka ulungelelanise amanye amanqaku ohlahlo-lwabiwo mali.
Oku kwenziwa ziinkampani ezinkulu. Kwaye yinto ekufuneka yenziwe lusapho ngalunye ekhayeni labo belingisa inkampani. Ilula kakhulu kwaye iyasebenza, kwaye ngexesha elifutshane uyakuba nesixhobo esitsha sokulawula imali yakho.
Ukubhala okugqwesileyo. Kubaluleke kakhulu ukuba sifunde ukungaphuli umthetho-siseko osisiseko kwezemali kwaye "musa ukuchitha ngaphezulu kunoko sikufumanayo" Masilandele umzekelo wombhali kwaye singachithi imali yethu. Ngaphandle kokufuna ukwazi ukuba kubuhlungu kangakanani ukulahla imali, thabatha ityala uze ulikrazule. Ndiyakuqinisekisa ukuba lamava aya kukwenza ulixabise ngakumbi. Enye indlela kukwenza imithombo emitsha yengeniso.
Enkosi uFabio ngengcaciso yakho. Ndiyakholelwa ekubeni ngumgaqo osisiseko wokwazi ukhathalelo lwengeniso kunye nokulingana nenkcitho. Ngale ndlela siya kufunda ukulawula imali, exutywe ngokulula ebusweni bokusetyenziswa kakhulu.
Molweni bahlobo ndiluthandile olu xwebhu, ndingathanda ukwazi ukuba ndibhala njani ileta yenkcitho yam yenyanga, ndicela undincede ndibhalele i-imeyile yam ukuba uyazi. Kufana nokuqala ukubhala, hayi ngohlobo lwempahla ... enkosi
Molo mhlobo, ndibhalela wena ukuze undinike ingcebiso malunga nendlela yokulawula ivenkile yokutya kunye nemifuno endiyiqalayo, enkosi uThixo akusikelele.
NDICINGA UKUBA KULUNGILE OKO UTHETHAYO APHA NGOKUBA BONKE ABANTU BASETYENZISWA NGAPHEZU KOKUBA SIFUNDILE KANYE Yiloo nto Sifumana ingxaki.
Imfihlelo isekwe ekwazini indlela yokulawula. Ukuba siyilawula ngokuchanekileyo, asizukufumana iingxaki ezinkulu.
Molo, busuku obuhle, ndifuna ukwazi ukuphatha imali, ndingu csjero, ndifumana i-2000 ngenyanga, ndithengisa iimpahla ezithembakeleyo, kodwa xa ndibhatelwe ndichitha kwizinto ezingafunekiyo
Molweni, ngoku ngoku ndincedisa endlwini yam ngelaxesha bendiphelelwe ngumsebenzi ndigqibele ndinemali eseleyo kwikhadi letyala ebendicwangcise ukulihlawula ngokupheleleyo kulenyanga abaza kundibhatalela ngayo emsebenzini wam omtsha, mna ndine% yengeniso yokuqala ishishini,% ukugqiba iyunivesithi kunye ne-% yokuxhasa ikhaya kunye neendleko zam. Njengonyaka ophelileyo, isixa esikhulu singene ekhayeni lam (sokujika i-20 kunye nokugqiba isibonelelo sikatata, kunye nemali mboleko elungileyo yokuphucula ikhaya) andizange ndicinge ukuba umama angawuphelisa unyaka ngentsalela yesithathu Uyabona ngaphezulu Ityala lam lobuqu .... ndikhangela umcebisi wezezimali ukuze ndingazenzi inkcitho embi, kuba ngoku kuzakufuneka ndibuyise izicwangciso zam zeyunivesithi kunye nezamashishini ukuhlawula amatyala abo, kodwa andazi ukuba ndenzeni ukuba ndingalawulwa ngcono.
Kukho ubuchwephesha kula matyala kwicandelo lolawulo lwasekhaya abanokucebisa i-O_Q! Enkosi