Ngokwedatha epapashwe yi IZiko leLizwe lezibalo (i-INE) Kuzo zonke ii-Euro ezingama-100 ezingena kumakhaya aseSpain, zii-6,5 kuphela zazo ezisetyenziselwa ukonga ngezixhobo zemali ezinje ngemali yepenshini, iibhanki zokonga okanye iidiphozithi. Kwaye ukuba umkhwa obaluleke kangako uhlala unqandwa ziindleko zemihla ngemihla, intswela-ngqesho okanye umvuzo ongakuvumeli ukuba uphile ngokuzolileyo.
Kuqikelelwa ukuba malunga ne-58% yabemi baseSpain bangena ematyaleni ngandlela thile ukuze baphume kulenyanga. Nangona singenako ukuyiphika into yokuba kubantu abaninzi kunzima ukuba nokulingana kwezoqoqosho ngezizathu ezahlukeneyo, kuyinyani ukuba kusoloko kukho iindlela neendlela zokuqala ukonga, singasathethi ke ngeenzuzo ezininzi ezivela ekubeni necandelo lezoqoqosho likaxakeka okanye umhlala-phantsi.
Kutheni ugcina?
Ukuba unengeniso ezinzileyo ekuvumela ukuba ubhatale zonke iimfuno zakho ngaphandle kwengxaki, unokubona kongaokanye njengento engeyomfuneko kwaye eya kuthi isuse kuphela imali onokuyisebenzisa kwangoko. Nangona kunjalo, ukonga kungekuphela kunokukuvumela ukuba ufumane izibonelelo zexesha elide, kodwa uya kuba nakho ukufumana kulo mkhuba inkxaso eyakukuvumela ukuba ulale ngoxolo usazi ukuba wenza umatrasi wezoqoqosho onokukuxhasa xa kukho imfuneko.
Asimele silibale inqanaba eliphezulu lokungabikho kwemisebenzi elichaphazela iSizwe namhlanje, singasathethi ke ngobubi bokuhlala uhlala ngokuxhomekeke kumakhadi etyala okanye kwimali mboleko yakho. Gcina Iya kukuvumela ukuba ujongane nemiqobo yezoqoqosho onokuthi ujongane nayo ebomini bakho, ngelixa ikuvumela ukuba wenze amaphupha akho kunye neeprojekthi zifezeke ngaphandle kokungena ematyaleni iminyaka kwaye ugqibe ukuhlawula ngaphezulu kunokuba kufanele.
Izibonelelo zokonga
- Izicwangciso zokonga ixesha elide ezinje ngepenshini ziya kukuvumela ukuba ube nozinzo kwezemali kwaye uphile ubomi oqhele ukubuqheleka wakuba uyekile ukusebenza. Nokuba kungenxa yeminyaka, ukugula, ukwenzakala, ukungaphangeli, okanye nasiphi na esinye isizathu, kuhlala kufanelekile ukuba ube nesipele ekuvumela ukuba uhlale ngoxolo.
- Awunakuxhomekeka kumazinga enzala kunye nemirhumo oza kuyihlawula ukufezekisa iiprojekthi zakho, kuba ungazihlawula ngemali ezinkozo. Ezona zigqibo zibalulekileyo ebomini bakho ezinje ngezifundo zakho zaseyunivesithi, umtshato wakho, indlu yakho okanye nayiphi na enye impahla inokuba yeyakho ukuba uqala ukonga ngokukhawuleza nangokufanelekileyo kangangoko.
- Uya kuhlala uzilungiselele amaxesha kaxakeka. Ngelishwa akukho namnye kuthi okhululekileyo ekufumaneni ingozi, ukugula, okanye nayiphi na enye imeko esenza ukuba sibe sesichengeni kwezoqoqosho. Ngale ndlela asinakukhanyela ukuba i-backup iya kusivumela ukuba silale ngoxolo ebusuku, sisazi ukuba sikhuselekile.
- Ukugcina imali kulula kakhulu kunokuba ucinga, kwaye uya kubona ukuba awuzukunciphisa iindleko ezininzi ukuze ukwazi ukukwenza ngokuchanekileyo.
Uqala njani ukugcina?
Kungabonakala kwasekuqaleni ukuba ukonga ngumsebenzi ongenakwenzeka apho kuphela ngabantu abanemivuzo emikhulu kakhulu abanofikelelo khona. Inyaniso kukuba ayifani naleyo, kwaye bonke abantu bangafunda ukonga, yinto nje yokwazi indawo esiya kuyo imali yethu kunye nokufunda ukuzilungiselela ngendlela elula neyona isebenzayo yokwaba inxenye yengeniso yethu. Ugcino ngaphandle kokungahoyi intlawulo zenyanga okanye indlela esiphila ngayo
Apha sichaza indlela onokukwenza ngayo oku:
Ngokwabo
Ukugcina akufani nenkcitho yokusika, kodwa ukuyihambisa kwakhona ngendlela enokuba luncedo ngakumbi kwixesha elifutshane nelide. Ayisiwo umsebenzi onzima kwaye uya kufuna kuphela ipensile kunye nephepha okanye ispredishithi ukuze kwimizuzu embalwa ufumane isicwangciso sakho sokugcina inyanga nonyaka.
Landela la manyathelo siwachaze apha ngezantsi ukufezekisa
- Inyathelo lokuqala lokwenza isicwangciso sakho sokonga kukubhala imali esinayo ngenyanga. Singayichaza ingeniso njengesixa semali umntu asifumanayo ngokutshintshela umsebenzi wakhe okanye njengemveliso yokusebenza kotyalo-mali olwenziweyo. Oko kukuthi, yonke ingeniso yemali esinayo ngenyanga.
- Emva koko siza kudwelisa zonke iindleko esizifunayo ukuze siphile ngokwesiqhelo kwaye singenakho ngaphandle kwazo, ezinje ngerente, ukubambisa ngendlu, intlawulo yenyanga yemoto, ukubhalisa, iinkonzo zendlu, njl Ezi iya kuba yinkcitho engagungqiyo, kwaye ngenyanga ziyafana okanye ziyahluka kakhulu.
- Emva kwexesha siza kudwelisa inkcitho esihlala siyenza kodwa ezingabalulekanga kusuku lwethu, ezinjengokuhamba, ukuthenga izinto, izipho, ukuzonwabisa, okanye iindleko zembovane. Ezokugqibela zezo nkcitho singaziqwalaseliyo ngenxa yokuba zincinci kakhulu, kodwa ezifumanekileyo zinokongeza ukuya kwisixa esikhulu. Ezi ndleko zaziwa njengeendleko eziguquguqukayo kuba kungakhange kuthethwe ngazo zahlukile kwinyanga nenyanga.
- Okokugqibela, dwelisa zonke iintlawulo ekufuneka uzenzile ngonyaka kwaye zibalulekile. Oku kunokuba yintlawulo yeinshurensi, ingxelo yengeniso, okanye neeholide ukuba uzijonga ziyimfuneko. Yahlula le mali nge-12 kwaye uyongeze kuluhlu.
- Yongeza iindleko zakho ezisisigxina, iindleko zakho eziguquguqukayo, kunye nesiphumo senkcitho yakho yonyaka nge-12. Thelekisa umvuzo wakho wenyanga Ngaba oku kungaphezulu okanye kungaphantsi?
Ukuba uqaphele ukuba isixa semali osichithayo sikhulu kunaleyo uyifumanayo, kusenokwenzeka ukuba uhlala ngokuxhomekeke kuwe amakhadi etyala kunye nemboleko-mali yakho. Nangona ezi zixhobo ziluncedo ekuphumeni ezingxakini ngamanye amaxesha, ayicetyiswa into yokuba sihlale sixhomekeke kuzo ukuze siphile, kuba siyakonyusa ityala kancinci kancinci kuya kuba nzima ukulihlawula.
Lixesha lokuba uhlalutye uluhlu osele ulwenzile kwaye uthathe isigqibo sokuba zeziphi izinto onokuzenza ngaphandle kokuphinda uthumele imali yakho kulondolozo. Indlela elungileyo yokuqala kukuhlalutya imali oyichitha usitya ngaphandle, ungakanani echitha ukuthenga izinto ezingxamisekileyo okanye izinto ongazidingiyo, okanye ingakanani imali oyichitha kwizinto zokuzonwabisa. Uya kubona ukuba ngeenyanga ezimbalwa kuphela ohambisa ngazo ezi zinto uya kuba nakho ukuhlawula amatyala akho kwaye uqale ukonga ngokufanelekileyo.
Kuya kufuneka wenze inkqubo efanayo ukuba inkcitho yakho iyalingana okanye ingaphantsi kunengeniso yakho, umahluko wokuba ungaqala kwangoko ukwenza icandelo lemali olinikele ingqalelo kwangoko kwaye ubeke kwangoko kwiakhawunti yokonga ngexesha ukuba ufumana umvuzo wakho. Kancinci kancinci uza kuyibona indlela ekhula ngayo le akhawunti kwaye iba luncedo kakhulu kwaye isebenze ngokufanelekileyo ukujongana nayo nayiphi na imeko apho ufuna imali engxamisekileyo okanye ukwenza zonke iiprojekthi ocebisa ukuba zizaliseke, njengokufumana indlu yakho, ukutshintsha imoto, qhubeka nezifundo zakho okanye nantoni na oyicebisayo.
Ngokusebenzisa isixhobo esizenzekelayo semali
Ukuba ungumqeshwa ohlawulwayo, unoncedo olusisiseko kuba unokuqesha enye yezininzi izixhobo zemali iyafumaneka kwimarike eya kukunceda ukuba wenze umkhwa wokonga ngaphandle kokuba uyiqonde. Izicwangciso zokonga ezizenzekelayo zisebenza ngokutsala kumrholo wakho isixa osele usenzile ngaphambili, kwaye uyifaka kwiakhawunti onokufikelela kuyo kuphela phantsi kweemeko ezizodwa, ezinjengokungaqeshwa, ukungxamiseka okanye umhlala-phantsi.
Ngokuqinisekileyo emsebenzini wakho sele benenkqubo efanayo osele ucaphula kuyo okanye onokucaphula kuyo ngokucela yona. Ukuba akunjalo, ungaya ebhankini ehlawula umvuzo wakho okanye enye into oyithembileyo, uya kubona ukuba uyakufumana njani inani elikhulu lezinto onokukhetha kuzo kunye nengqwalaselo oyifunayo xa ufuna ukukhetha isicwangciso sokonga esifanelekileyo. imeko ethile.
Kucetyiswa kakhulu ukuba uzenze zombini iindlela zokonga, ukwahlula kunye nokuhlela iindleko zakho zenyanga ngelixa usenza isicwangciso sokonga oluzenzekelayo njengaleyo ichazwe apha ngasentla. Uya kubona ukuba la manyathelo mabini alula aya kwenza umahluko omkhulu kwimali yakho yobuqu.
Iingcebiso zokugqibela zokonga
• Ukuba uzifumana ukwimeko apho ungakwazi ukuyeka ukwenza naziphi na iintlawulo, beka phambili ngokona kubaluleke kakhulu. Usenokungakwazi ukulahla ukuhlawula irente, kodwa unokuqesha inkonzo enexabiso eliphantsi ye-intanethi. Kusenokwenzeka ukuba awunakho ukwahlukana nokuhlawula irente yenyanga yemoto, kodwa ukuba unokuhamba lonke ixesha usiya kwiindawo ezikufutshane uyokuzilolonga, nceda imeko-bume kwaye ugcine imali.
• Phinda uhlalutye into nganye eyenza inkcitho yakho eyahlukileyo. Ngokuqinisekileyo uya kufumana izinto ezikuluhlu lwakho lwegrosari ongazifuniyo kwaye eziphela ziphelelwe lixesha kwifriji yakho. Uya kubona ukuba uya kufumana iindlela ezininzi zokunciphisa inkcitho yakho kwaye uqale ukonga ngokufanelekileyo.