Enye yeendlela ezilungileyo zoku ukuphucula impilo yezezimali zethu kukwenza uhlahlo-lwabiwo mali. Ukuba nohlahlo-lwabiwo mali kubaluleke kakhulu kangangokuba neenkampani ezinkulu, kunye noorhulumente, bayacwangcisa uhlahlo-lwabiwo mali lwabo Kodwa yintoni? Ngaphezu kwako konke, yenziwa njani? Eli nqaku lenzelwe ukuba lisebenze njenge Isikhokelo ngokubanzi sendlela yokwenza uhlahlo-lwabiwo mali lwakho, ukuze iimali zethu ziphucuke.
Iyintoni kwaye yenzelwe ntoni?
Uhlahlo-lwabiwo mali sisicwangciso ekungena kuso kokubini imali kunye nokuphuma kwethu, ukuze ngenxa yoko kusinike isicwangciso sokuba kufuneka iye phi imali yethu. izixhobo zoqoqosho, kwaye ngaphezulu kwayo yonke loo nto iyasinceda ukuba sazi ukuba ingaba zikhona na Inqwelomoya ethile yenqwelomoya okanye iindleko ezithile Oko kwenza ukuba ngamanye amaxesha singabinako ukugcina okanye singenayo nemali yokukwazi ukuhlawula iindleko zeveki okanye zeveki ezimbini.
Uhlahlo-lwabiwo mali lunerekhodi yesihlandlo ngasinye apho kuye kwakho ukuphuma kwemali; Isizathu sokuba oku kufuneka icaciswe kukuba xa singaqwalaseli yonke imali ephumayo, kuhlala kukho ukuthandabuza ukuba kutheni singenamali ngokwaneleyo ukuphela kwenyanga; kwaye kumaxesha amaninzi kwenzeka ukuba imali iphume kwamanye amashwamshwam, kwiziselo ezinxilisayo okanye ukuphuma nabahlobo. Kwaye ukuba akukho sicwangciso silungileyo malunga noku, kuya kuba nzima kakhulu iimali zethu ziyaphucuka.
Emva koko uhlahlo lwabiwo-mali lusinceda ukulawula ukungena kwemali, kunye nokulawula iindleko zethu; kwaye ngokulawula sithetha ukuba njengokuba inyanga idlula siza kuba sele siyazi into esinokuyenza kwaye esingenakho ukuyisebenzisa imali yethu. Kodwa ayiloncedo koku kuphela, uhlahlo-lwabiwo mali luyakusivumela ukuba siqwalasele ukusilela okukhoyo kolawulo lwemali yethu kwaye emva koko senze izicwangciso, umzekelo, ukuhlawula amatyala okanye ukugcina ukuze sikwazi thenga loo ndlu okanye eso sithuthi sinqwenela njalo
Ngoku ekubeni sisazi ukuba loluphi uhlahlo-lwabiwo mali olunokusinika, owona mbuzo ubalulekileyo uza: Wenziwa njani? Icandelo elilandelayo liza kujongana nokuchaza indlela ekufuneka yenziwe ngayo uhlahlo lwabiwo-mali nendlela yokutolika ngalo.
Ukwenza uhlahlo-lwabiwo mali
Ngokwento esayihlalutya kwicandelo elidlulileyo Uhlahlo-lwabiwo mali lusekwe kwizinto ezimbini eziphambili, ukungena kwemali kunye nokuphuma kwemali. Ke ukuze senze uhlahlo-lwabiwo mali, into yokuqala esiyifunayo kukwenza uluhlu ngayo yonke imali engenayo ecwangcisiweyo, umzekelo, ukuba sinomvuzo we-1500 euros, kunye nengeniso yerenti ye-euro ezingama-300, siya kubhala ezantsi ukuze zikwazi ukwenza isixa sokugqibela, esiya kuthi kule meko sibe yi-euro ezingama-1800. Ukuba unayo enye umvuzo wenyanga osisigxina, umvuzo wethu, kufuneka uthathelwe ingqalelo njengoko unjalo, ixabiso elinye lokufaka.
Into elandelayo kukwenza uluhlu nazo zonke ukuphuma kwemali, okanye iindleko ezicwangcisiweyo; kweli nyathelo kufuneka senze oku kulandelayo. Okokuqala, iindleko esaziyo ukuba ziya kuhlawulwa enyangeni zidwelisiwe.Lapha kufuneka siquke, umzekelo, inkcitho efana nokuhlawulwa kweenkonzo eziziimobhayili, i-intanethi, kukwafuneka sibandakanye ukuhlawulwa kwetyala okanye lokuthenga ngendlu; ngoku kuza icandelo elinzima ngakumbi, kwaye oko kukuthi kude kube ngoku iindleko zichongiwe, oko kukuthi inyanga nenyanga kufuneka uhlawule isixa ngqo seenkonzo zethu okanye izicwangciso ngelixa kukho iindleko ezingachananga ngqo, ezinje inkcitho kukutya okanye kwigesi yemoto.
Kumatyala apho singazi ncam ukuba yimalini esiza kuyisebenzisa kwi-pantry yethu, into ekufuneka siyenzile kukubala inani lenkcitho esiyenzayo ngeveki, ngale ndlela sinokubala ngokuthe ngqo. Kwaye ukunqanda ukuba ukubalwa kwethu kube ngaphantsi kwesixa sokwenyani, kufanelekile ukuba kongezwe i-10% kwisixa-mali esibe sisiphumo, ngale ndlela sinokufumana iindleko ezingacwangciswanga ngendlela engachaphazeli uhlahlo-lwabiwo mali luphela. kwaye eyethu ukucwangcisa iintlawulo ezicwangcisiweyo.
Elinye inqaku elibalulekileyo ekufuneka liqwalaselwe kuhlahlo-lwabiwo mali inkcitho kulondolozo lwasekhaya, okanye isiqa, kunye nokuhlawulwa kweerhafu kunye neendleko zokunxiba; Kubalulekile ukuba nangona singahambi inyanga nenyanga siyokuthenga iimpahla ezifanayo nezangaphambili, kukho isixa semali esele sibekelwe iinjongo ezithile, ukuze ukuba kule nyanga singachithi lonke uhlahlo-lwabiwo mali lwempahla , kwinyanga ezayo sinokuchitha uhlahlo-lwabiwo mali lwenyanga kunye nolondolozo, okanye ugcine ukugcina.
Makhe sihlalutye uhlahlo-lwabiwo mali olukhoyo ngoku
Xa sele sinezixa ziphambili, umvuzo kunye nenkcitho iyonke, kubalulekile ukuba ukuyitolika siyithelekise le mali; Kukho iimeko ezi-3, eyokuqala kwaye eyona incinci ixhaphakileyo kukuba umvuzo wethu ungaphezulu kweendleko zethu, kwaye xa sisithi yeyona ingaqhelekanga sithetha ngamaxesha okuqala esenza uhlahlo-lwabiwo mali, kuba injongo kukuba ekuhambeni kwexesha sifikelele koku imeko, ukuze ugcine.
Imeko yesibini kukuba nini ingeniso yethu zilingana neendleko zethu; Le meko intle ngokwenene, nangona kunjalo, ayisiyiyo eyeyona ilungileyo, kuba ukuphela kwenyanga asizukuba nayo into yokugcina. Kwaye imeko yokugqibela kuxa iindleko zethu zigqithile kumvuzo wethu; le yeyona ixhaphakileyo, kwaye esona sizathu kukuba asinazo izinto eziphambili ngokubaluleka.
Umcimbi wesibini ekufuneka siwujongile ukuze silutolike uhlahlo-lwabiwo mali kukuhlawula amatyala, kuba ezi zezona zihlala zibangela ezona ngxaki zingaphezulu kokumela uninzi inkcitho kuhlahlo-lwabiwo mali. Ke apha sinengxaki yokusombulula, amatyala.
Umbuzo wesithathu ekufuneka siwuthathile kukujonga ukuba ngaba sibeka phambili na kuhlahlo-lwabiwo mali, siyakuqaphela oku ngokuthelekisa Iindleko zomntu ngamnye Ngokubhekisele kwinkcitho iyonke, ngale ndlela sinokwazi ukuba yeyiphi imiba enikwa uhlahlo-lwabiwo mali olukhulu; Kwaye xa oku sele kuchaziwe kakuhle, kuyakubaluleka ukuba sihlolisise ubuqu ukuba izixa ezimele eyona pesenti iphezulu zibalulekile okanye ukuba sinako ukuzinciphisa, umba oza kuxoxwa kamva.
Uhlahlo-lwabiwo mali lwexa elizayo
Ngoku sinayo umbono wento esiyichithayo kunye nemali Esikwenzayo inyanga nenyanga, kwaye silucazulule uhlahlo-lwabiwo mali lwethu ukuze sikwazi ukuseta iindawo ezinamathuba kunye nezinto eziphambili, kubaluleke kakhulu ukuba sicwangcise ukuba sifuna ukuba uhlahlo-lwabiwo mali lwethu luziphathe njani kwixesha elizayo ukuze sikwazi gcina.
Into yokuqala ekufuneka siyithathele ingqalelo zizinto eziphambili kuthi, ukugcina iindleko zethu ezingeyomfuneko kucwangciso. Ezinye zezinto eziphambili kuthi amatyala kunye nenkcitho yerente okanye yokutya. Sakuba sizimisele kakuhle izinto eziphambili ngokubaluleka, kuyakufuneka ukuba sibale uhlahlo-lwabiwo mali, kwaye ngale ndlela sikwazi ukufikelela kwintsalela yethu yokuqala. Ngoku masiqhubeke nesihloko esinomdla kakhulu, amatyala.
Into yesibini ekufuneka siyisombulule ngamatyala esinawo, kubalulekile ukuba xa sisenza uhlahlo-lwabiwo mali olutsha lwenyanga sigcine engqondweni ukuba, ukuba sihlawula imali kwinqununu yamatyala ethu, inkcitho yenyanga iyancipha, ukongeza kwinani lenzala esiza kuhlawula ngalo liyakwehla. Ngale ndlela kuya kufuneka wenze uluhlu nawo onke amatyala, nje ukuba silufumene olu luhlu kubalulekile ukuba sibhale phantsi iimali ezityalwayo, ixesha ekufuneka zihlawulwe ngalo okanye zihlawulwe ngalo, kwaye ekugqibeleni inzala. Njengengcebiso, amatyala okuqala ekufuneka ehlawulwe ngalawo anenqanaba eliphezulu lenzala.
Oko kukuthi, ukuba sinamatyala amathathu, eyokuqala ngentlawulo yenyanga ye-5 euro ukuhlawula iinyanga ezili-12 kunye nenqanaba le-3%, okwesibini ngentlawulo yenyanga ye-10 ye-euro ukuhlawula iinyanga ezi-8 ngenqanaba le-5 %, kwaye owesithathu ngentlawulo yenyanga ye-12 ye-euro eza kuhlawulwa kwiinyanga ezingama-24 kwaye ngaphandle kwenzala; kwaye ingeniso yethu yanele ukuhlawula amatyala ama-3, kwaye sinemali eyongezelelweyo eseleyo, eyona nto icetyiswayo kukuhlawula loo mali kwi-akhawunti yokuqala, eyona inenzala ephezulu kakhulu. Nje ukuba oku kuhlawulwe, siya kuhlawula i-euro ezili-10 zetyala lesibini, kunye nemali eyongezelelweyo, kwaye ngale ndlela sinokulilungisa ngokulula ityala lethu kwaye siphucule uhlahlo-lwabiwo mali kunye nemali yethu.
Nje ukuba sibe nayo isonjululwe okanye icwangciselwe ukuhlawulwa kwamatyala ethu Inqaku elilandelayo elibalulekileyo ekufuneka liqwalaselwe ziindleko zembovane, eziya ziphantse zinganakwa, ezinje ngeengcebiso okanye ngamanye amaxesha iindleko zokutya okanye umnqweno ofana ne-ayisi khrim. Ukulawula ezi ndleko kubaluleke kakhulu kuba xa sidibanisa zonke ezi nkcitho zincinci, isixa esiphumela sihlala siqwalaselwa; Thatha ingqalelo yokuba ukunciphisa kunye nokulawula ngcono olu hlobo lwenkcitho kuya kusivumela ukuba sibeke phambili izinto ezithile njengokuhlawulwa kwamatyala esinayo.
Nje ukuba sibe nohlahlo-lwabiwo mali esilucwangcisileyo, kubalulekile ukuba sifunde ukululawula, oko kukuthi, kufuneka siluthobele ukuze sikwazi ukugcina nokunciphisa inkcitho yethu engeyomfuneko.