Xa umncinci, ucinga ukuba imali yinto ephuma encwadini okanye ekhadini kwaye unokuba nokufumana kangangoko ufuna. Ke ngoko, awuqondi ukuba abazali bakho baqala nini ukukufundisa indlela yokonga imali. Ude uqonde ukuba "ayiwi emithini."
'Iinkomo ezonqenayo' ngamaxesha onyaka adlula kuwo umntu kumaxesha amaninzi. Kwaye ukuba noomatrasi abangabizi kakhulu okanye ukungabi nawo ungangumahluko phakathi kokulala kamnandi ebusuku okanye ukungayeki ukuphosa nokujika ukufumanisa ukuba uza kuziphilisa njani. Ukuba ukhathazekile kwaye ufuna ukwazi indlela yokonga imali, Namhlanje siza kuthetha nawe malunga nesi sihloko ngendlela ebonakalayo.
Kutheni ugcina imali
Imali ayiniki lonwabo. Kodwa ungaboni ukuba inceda njani. Ngokuqinisekileyo lelinye lamabinzana owavileyo (ngakumbi eyokuqala). Okwesibini, kwesivuno sethu, yeyona nto bacinga ngayo bonke abantu behlabathi.
Kwaye oko ukuba nemali kukuvumela ukuba wenze izinto ezininzi. Asisathethi nge-whims okanye ngokuzonwabisa njengokuhamba, ubucwebe, ukuthengwa kwezinto ... kodwa malunga nento ethomalalisa ingqondo yakho: ukuba nemali yokuthenga inyanga yonke, ukuhlawula iindleko kunye namatyala endlu yakho, imoto ...
Kodwa uza kuthini ukuba unayo eyoneleyo kwaye yonke enye oyisebenzisayo uyichitha? Ewe, uhlala ngendlela eyingozi. Ewe awuzinciphisi nantoni na, kwaye nemali yakho ikuvumela ukuba wenze izinto ezonwabisayo. Kodwa ingxaki kukuba iziganeko ezingalindelekanga zihlala zijikeleze ikona kwaye, xa zifika, ukuba awunayo into egciniweyo, oko kunokuthetha ukuba uhambe ngendlela embi de uhlawule ezo nkcitho.
Ke ngoko, esinye sezizathu eziphambili zokonga imali kukuba thintela iindleko ezingalindelekanga (ukuba imoto kufuneka iye kumatshini, ikhefu lokugula, kufuneka ithenge ikhompyuter ...). Yikholwe okanye ungakholelwa, oku kubaluleke kakhulu kwimpilo yakho yengqondo kuba, usazi ukuba unento oyigcinileyo, awuyi kuzikhathaza kancinci malunga nale ngxaki ikuveleyo.
Esinye isizathu sokugcina imali, ngaphandle kwamathandabuzo, ungubani uyakwazi ukuzilungiselela kunye nomvuzo kunye nokusetyenziswa. Ukuba uyakwazi ukufumana imali ekupheleni kwenyanga, nokuba kufanelekile ngeniso kunye nenkcitho, oko kuya kuthetha ukuba uqhuba kakuhle, kwaye uyazi kakuhle indlela yokwahlula phakathi kwento oyifunayo kunye naleyo ungayonikiyo ' t. Kwakhona, uyakwazi ukuthenga izinto ngezaphulelo, izithembiso, njl ezikuvumela ukuba ufumane imali oyigcinileyo (encinci okanye eninzi).
Iindlela ezisebenzayo zokuphepha iipokotho ezingenanto
Ngoku, silawula njani? Ewe, esinye sezakhiwo ekufuneka usithathele ingqalelo zezi zilandelayo: Imali eyinxalenye yolondolozo ayichukunyiswa. Kwaye ibhonasi: imali evela kulondolozo ilibalekile.
Kutheni le nto sikuxelela ezi zinto zimbini? Ilula kakhulu, kuba Awunakho ukugcina utshintsho lokuqala kwaye uthathe loo mali ngayo nantoni na. Kwaye awunakuyithemba loo mali ngayo nantoni na. Ngokulula kuba "ayifumaneki."
Kwaye ndonga njani? Nazi ezinye zeendlela ezifanelekileyo:
Indlela "yotshintsho oluncinci"
Kuya kufuneka ukuba uye kuthenga kwaye uhlawule ngetikiti. Oko kuthetha ukuba ufumana imali eziinkozo kwakhona. Okanye iingqekembe kunye namatyala. Ukuba kunjalo, yonke imihla ufika ekhaya, zikhuphe iipokotho zakho zezo ngqekembe uze uzibeke ecaleni. Olo lusindiso. Kuphela kuxa ingqayi (okanye apho ubeka khona) igcwele (kwaye kungcono ukuba uthathe ibhanki enkulu yehagu), ungayibala kwaye ubone ukuba ubusonga kanjani.
Ekuqaleni, ungayisebenzisa ukuzinyanga ngokwakho, kodwa ke uya kubona ukuba ukuba uyayivumela, uya kuziva ungcono malunga nento enokwenzeka.
Indlela yemvulophu
Le yenye yezona zisetyenziswa kakhulu, kwaye iqulathe Hambisa umvuzo wakho kwiimvulophu ezahlukeneyo: enye yeendleko zefowuni kunye ne-intanethi, enye yokuthenga ... enye yokugcina. Kwaye loo mvulophu yile ongenakuyichukumisa (enyanisweni, yiyo ekufuneka uyivale kwaye uyigcine ukuze ulibale ngayo).
Indlela "yezicelo"
Ngexesha lobuchwepheshe obutsha, enye indlela kukuqalisa ezinye Isicelo esikunceda ukulawula ingeniso kunye nenkcitho. Kwaye ukonga kuhlala phi ebhankini (kuba awuchithi yonke into oyibizayo).
Ingxaki kukuba ihlala ibandakanya ukusebenzisa ikhadi, kwaye kuxhomekeke ekubeni ngabaphi abantu ekungacetyiswanga. Into emnandi kukuba ngalo lonke ixesha uyithenga iya kubonakala kwi-app kwaye uya kubona ukuba "iakhawunti" ihamba kakuhle okanye ukuba ufaka "iinombolo ezibomvu".
Iingcebiso zokugcina imali
Ngaphambi kokugqiba, sifuna ukukushiya ezinye iingcebiso ezinokuthi zibe luncedo xa ugcina imali. Uninzi luya kubonakala ngathi lukhubazekile, kodwa inyani kukuba bayasebenza kwaye, nokuba ziisenti ezimbalwa, ukonga kuya kukuvumela ukuba ube nesolvency kwaye, ngaphezulu kwako konke, uxolo lwengqondo. Jonga ke zonke:
Soloko ugcina uhlahlo-lwabiwo mali lwakho engqondweni
Beka kwikholamu umvuzo onawo kwinyanga yonke. WONKE UMNTU. Ukuba inyanga nganye yahlukile, kuya kufuneka wenze uhlahlo-lwabiwo mali kwinyanga nganye. Ngoku, kwenye ikholam, beka iindleko oza kuba nazo.
Injongo kukuba ubone oko ushiyekileyo kumvuzo. Kodwa, asikukhuthazi ukuba ujonge njengokonga, okwangoku, ubuncinci. Nikela ubuncinci ama-50% kuloo ntsalela kwiindleko ebezingalindelwanga. Ezi zinokwenzeka okanye zingenzeki, ngekhe wazi. Esinye isiqingatha, unokwahlulahlula kubini kwaye ukhethe ukuchitha enye indawo (ukuzonwabisa), kwaye ugcine enye njengokugcina. Okanye gcina yonke.
Ekupheleni kwenyanga, ukuba bekungekho ziganeko zingalindelekanga, loo mali ubuyigcinile kufuneka iye kwikholamu yokonga. Kwaye ke inyanga nenyanga.
Khangela izibonelelo, izaphulelo, izisulu ...
Kodwa cinga ngentloko yakho. Ngamanye amaxesha izithembiso azikho njengoko bekulindelwe, okanye izaphulelo zibiza kakhulu ekugqibeleni. Thatha ixesha lokuba ubone ukuba kufanelekile, apho ungathenga khona ngexabiso eliphantsi (ngaphandle kokuphulukana nomgangatho okanye ukubeka impilo yakho emngciphekweni).
Ewe, nokuba ufumana iindawo ezitshiphu zokuthenga, Bacinge nangeendleko abanokuzibandakanya: ezothutho, ixesha ... Kuba mhlawumbi kwaye ayenzeli wena. Kule meko, kuhlala kungcono ukuthenga "okukhulu", oko kukuthi, kanye ngeveki, rhoqo kwiintsuku ezili-15, okanye ngenyanga. Ngale ndlela, ukonga kuya kuba kubaluleke ngakumbi.
Ikhadi lebhanki ngumtyholi ohendayo
Kwaye kungenxa yezizathu ezibini: esinye, ukuba awuyiqondi into oyihlawulayo, kuba unika ikhadi kwaye ucinga ukuba alikho kangako (kodwa ke xa ubona iakhawunti yakho yebhanki isihla okanye ungena ebomvu, iya kukunika into); Okwesibini, kuba kubandakanya ityala, ngakumbi ukuba likhadi letyala apho iindleko ziqokelela khona kwaye emva koko baziqokelela zonke kunye.
Ke, kangangoko kunokwenzeka, soloko uzama ukuhlawula ngekheshi. Yeyona ndlela ilula yokugcina zonke iindleko zakho kule leta.