Njengakwimeko yezoqoqosho yabaninzi, kuqhelekile ukucinga ngakumbi "ngomqamelo", oko kukuthi, wokonga inxenye njengengxowa-mali kaxakeka okanye ingxowa mali yequbuliso. Kodwa uyazi ukuba zombini azifani? Sithetha ukuthini xa sisitsho emva koko?
Ukuba uhlala imihla ngemihla kunye noko ukufumanayo, okanye wolule into onayo kangangoko kunokwenzeka, ngamanye amaxesha ukuthatha into ukuze ube nokonga okuthile kwiziganeko ezingalindelekanga kunokukwenza ulale ngcono. Kodwa, Inokuba yintoni ingxowa-mali yezehlo? Kwaye kutheni ingafani naleyo yongxamiseko?
Yintoni iNgxowa-mali yezehlo
Masiqale ngokwazi ukuba yintoni ingxowa-mali yezehlo. Kuya kufuneka uyazi ukuba oku kubhekisa ekubeni ne isixa esithile semali esingafanele ukuchukunyiswa ngaphandle kokuba sisombulule iingxaki ezingenakubonwa kwangaphambili ezize ebomini bakho. Umzekelo, isenokuba ngenxa yengozi yemoto, apho kuya kufuneka usebenzise olo londolozo ukulungisa isithuthi kwaye uphinde usebenze; okanye ukuba ufumene isohlwayo sesiphoso sendlela kwaye kufuneka uyihlawule ngalo mhla sele iphakathi.
Ngoku, le nto siyithethayo kuwe inokuthi uyibize ekhayeni lakho (okanye kwinkampani) "ngengxakeko engxamisekileyo" kodwa, ngaba iyafana? Ukusukela ngoku sisixelela ukuba hayi, emva koko siza kuchaza ukuba kutheni.
Umahluko phakathi kwengxowa mali yequbuliso kunye nengxakeko engxamisekileyo
Un Ingxowamali engxamisekileyo isindisa ubomi kwimini yakho. Ibandakanya ukuba nesixa esithile semali esigciniweyo xa kukho into engalindelwanga kwikhaya lakho okanye kwishishini, ukuze kungafuneki uxhomekeke ebhankini, uboleke imali okanye wenze enye into ukusombulula loo ngxaki.
Usenokucinga ukuba iyafana nengxowa mali yequbuliso, kodwa kukho umahluko omkhulu kuyo. Kwaye ngaba Ingxowa-mali yezehlo kufuneka isixa esikhulu, kuba yile nto inokusetyenziselwa «ukuphendula» endaweni «enkulu» iimeko ezingxamisekileyo, kuba zibiza kakhulu. Nangona kunjalo, kwimeko ye «imeko kaxakeka», kuyakubakho iimeko ezingalindelekanga ezingacingi ukuba inani elikhulu, elingaphezulu kweendleko «zemihla ngemihla» phambi kwabanye.
Ke, zombini ziyafana, kodwa kwangaxeshanye injongo abanayo ayifani. Ngelixa eyenye yeendleko eziyimfuneko ezingabizi kakhulu, kwimeko yengxowa mali engxamisekileyo iya kuzikhathalela ezinkulu (yiyo loo nto inani eligciniweyo kufuneka liphezulu kakhulu).
Izibonelelo zokuba nengxowa-mali
Siyazi. Kunganzima ukwenza ingxowa-mali yezehlo ezingxamisekileyo (nangakumbi ukuba sikuxelela ukuba uyila nengxowa-mali engxamisekileyo). Kwaye zininzi izibonelelo ezinokukwenza uthathe isigqibo sokulawula iindleko kwaye ugcine. Kuba, phakathi kwezibonelelo oza kuzifumana, zezi zilandelayo:
- Uxolo olukhulu lwengqondo. Ukwazi ukuba unemali oyigcinileyo, nokuba awuyisebenzisi, kuyanceda, kunye nokuninzi, ukugcina uxinzelelo. Uyazi ukuba xa kukho into eyenzekayo, uya kuba nakho ukujongana nayo, ngokupheleleyo okanye ngokuyinxenye.
- Uya kugcina ngaphezulu. Ngokuziva uzolile, nothungelwano lwezoqoqosho olukuxhasayo ukuba kukho into eyenzekayo kuwe, uya kuyifuna ibe nkulu ngakumbi. Ngamanye amagama, uza kukhuthaza ukonga kuba ingqondo yakho ayizukuphinda ibe yeyokuphila "imihla ngemihla", kodwa iya kuba "kukuphila nokugcina kancinci", ngakumbi kuba asazi ukuba ikamva lisiphathele ntoni.
- Unokuzonwabisa. Lumka, ekuhambeni kwexesha. Kungenxa yokuba xa usonga, ukuba akukho siganeko singalindelwanga, elo nani liyenyuka kwaye linokuza kancinci xa ingxowa-mali yezehlo inokwahlulwa ibe yimali eyahlukeneyo, okanye isebenzise ezinye "ngeenjongo", ngendlela yokuba xa umda kufikelelwe kuyo ungayisebenzisa. Gcina ukhumbula ukuba awusoloko ugcina ngaphandle kokuzonwabisa amaxesha ngamaxesha.
Inikwa njani ingxowa-mali yemeko engxamisekileyo
Alithandabuzeki elokuba a Ingxowa mali engxamisekileyo inokwenziwa kuphela ngengeniso onayo. Ukuba unomsebenzi, kunye noko ufumana umvuzo ekupheleni kwenyanga kunye nawo; ukuba unayo ipenshoni, iyanceda ... ngokufanayo. Kodwa, ndimele ndishiye malini ukuya kunika ingxowa-mali?
Kule meko, isixa siya kuxhomekeka kwindlela ophila ngayo. Umntu ohlala yedwa kwaye enepenshini enganikeliyo ayifani naleyo yosapho olukhulu apho kusebenza umntu omnye kuphela. Kodwa nokuba ungonga kancinci kangakanani, kubalulekile ukwenza njalo.
Ke, unokufumana inani elithile lomvuzo, uncedo okanye ipenshoni, iinzuzo ezingalindelekanga (ilotto, ilifa, iminikelo, njl. Ngamanye amagama, kuwo nawuphi na umvuzo onokuthi uze ngendlela yakho.
Uyenza njani ingxowa-mali yezehlo
Ukugxila ngoku kwizinto ezikhoyo, siza kuthetha nawe malunga nendlela yokwenza ingxowa-mali yezehlo. Oku kuya kuxhomekeka koku kungasentla, oko kukuthi, ukuba uza kuyinika njani (uza kuyifumana phi imali yale ngxowa-mali), ukuze ikhule ingaphantsi okanye ngaphantsi kuxhomekeke kwinto oyigcinileyo.
Kodwa, ukwenza oku, gcina oku kulandelayo engqondweni:
Zibekele imali
Kubalulekile ukuba Zazi iindleko kunye nengeniso onayo ngenyanga. Zibhale phantsi zonke.
Ngoku, iindleko ezahlukileyo ezilungisiweyo kwezo ziguqukayo (ukuthenga, ukuya ejimini, ukuphuma nabahlobo ...).
Cinga ngeendleko, ngaba zonke zibalulekile okanye ngaba ikhona enye onokuyenza ngaphandle kwayo? Ukuba kunjalo, sele uthatha ixesha elide ukuyilahla.
Fumana umahluko phakathi kwengeniso nenkcitho. Ukuze inyanga ihambe kakuhle, kufuneka, ubuncinci, yonke into ibe kwi-0, oko kukuthi, ukuba ingeniso-inkcitho ilingana no-zero, nangona eyona nto ifanelekileyo kukuba kufuneka ubenenani elilungileyo.
Thatha isigqibo sokuba ufuna ukugcina malini
Ukusuka kwelo nani lichanekileyo, uyakufuna misela ipesenti yolondolozo. Umzekelo, khawufane ucinge ukuba kumvuzo, wakube uhlawule zonke iindleko, ushiye i-100 euro. Unokukhetha ukugcina i-euro ezingama-25 kwingxowa-mali yezehlo kunye nezinye kwingxowa-mali yonxunguphalo (ukuthenga iimpahla, ukuba kukho inkcitho engalindelekanga ekuthengeni, njl. Njl.) Kwaye, ukuba awuyisebenzisi, ungayifaka Ingxowa mali yequbuliso.
Imali egcinwe kwingxowa-mali yezehlo akufuneki ichukunyiswe naphantsi kwazo naziphi na iimeko. Kwimeko apho imeko ifuna ukuyisebenzisa njengesiganeko esingalindelekanga esinzulu. Kancinci njengoko ubona ukuba ungonga, ekuhambeni kwexesha uya kuba nemali engaphezulu nangaphezulu, kwaye oko kungathetha umahluko phakathi kokudinwa nokuba sezongeni ngakumbi.
Yenza okufanayo inyanga nenyanga
Hayi, ayibobudenge. Ukuba wenza oku inyanga nenyanga, ngaba uyazi yonke into onokuthi uyigcine? Ukuqhubeka nomzekelo wangaphambili, we-25 euro ngenyanga, ukuba siyiphinda-phinda ngeenyanga ezili-12 (ukuba ngaphandle kokubala iintlawulo ezongezelelweyo), sithetha nge-300 euros. Ewe kubonakala ngathi kuncinci. Kodwa ngoku phindaphinda elo nani ngeminyaka eli-10. Uya kuba nee-euro ezingama-3000 kuwo nawuphi na umsitho ongalindelwanga. Ukuba unokunika enye into kuloo ngxowa-mali, iya kukunceda uzive ngcono.