Ngaba ukhe uzibuze Ngaba kunokwenzeka ukuba uphile ngokusebenza ngokubini? Kwinqaku elilandelayo siza kuzama ukuwasusa loo mathandabuzo kwaye sikwazi ukufikelela kuwo ziyinyani kwaye ziyinyani malunga nale ithiyori ebangela ukuphikisana okungaka.
Siza kuqala ngokuthetha ukuba kuyinyani ukuba kunokwenzeka ukuba uphile ongakhetha kubini, Kodwa kuyinyani ukuba awuzukuyiphumelela ngobusuku obunye, ke siza kukunika iingcebiso ukuze uqonde kwaye uqonde ukuba ukuba ungaphila ngokugqibeleleyo kuyo, kodwa akukho lula njengoko kunentlebendwane phaya.
Okokuqala kukho konke into oceba ukuyenza utyalomali kwiinketho zobunana Ukuze ufumane imali eza kukunika indlela yokuphila, kuya kufuneka uyazi ukuba ikulungele na wena, ukongeza ekufundeni ukuba yenziwa njani kwaye neziphumo ezilungileyo onokuba nazo kubo.
Ekuboneni kokuqala kunokubonakala ngathi kulula kakhulu, kuba yenzelwe kuphela thethana ngeendlela zentengo kwaye ngale ndlela yenza ii-odolo ezifanelekileyo, kodwaungazi njani ukuba ixabiso elibekwe kwiasethi esezantsi liya kuphakama okanye lihle? Ukuze ukwazi ukukuqonda oku, kuya kufuneka wenze uhlalutyo lwe-asethi ngalo mzuzu, kwaye zinjani iimarike, zisebenzisa izixhobo eziyimfuneko kwaye kutheni kungenjalo? Ukusuka ezindabeni.
El ebizwa urhwebo Isetyenziselwe ukhetho olukhethiweyo, iya kukunika amandla okurhweba ngee-asethi ezininzi. Kwiqonga lokurhweba, uya kuba nethuba lokwenza imisebenzi ngeemali ezimbini, ii-indices zesitokhwe, isenzo sentengiso kwinqanaba likazwelonke nelicacileyo lelizwe, kunye nezinto zokwenza imveliso.
Into ekufuneka uyenzile khetha iiasethi onomdla kuzo kwaye wenze imisebenzi usebenzisa ii-odolo zokuthenga i-CALL okanye uthengise i-PUT ukuze utolike okanye uqikelele kwicala eliza kuthatha ixabiso ukuze ube nexesha lokuphelelwa lixesha. Kodwa luhlobo olunye olo, zininzi iintlobo ezahlukeneyo.
Enye ye Ezona mpawu ziphambili endizithandayo yile misebenzi yinzuzo ephezuluUkongeza, ipesenti yokubuya isekwe kwangaphambili. Ngesi sizathu, akunakuphikiswa ukuba iba yinzuzo enkulu esinceda ukuba siphathe ngcono imali esiyifumanayo kunye nokwenza ibhalansi kwinqanaba lomngcipheko.
Enye yezinto ekufuneka uyithathele ingqalelo xa usenza utyalo-mali:
Ukuba uzimisele ukuphumeza utyalo-mali kukhetho lokubini Kuya kufuneka usithathele ingqalelo isicwangciso sotyalo-mali, kwaye oku kufuneka kuquke iinjongo zomsebenzi othile kunye nexesha langaphambili, ukongeza kwizicwangciso eziza kuphunyezwa ukuze kunyuswe inzuzo, kunye nokuncitshiswa Ilahleko nolawulo lwenkunzi, ngaphandle kokulibala ukulawulwa kweemvakalelo ukuthintela umngcipheko oqhelekileyo.
Ndikunye nesipaji ulungelelwano kunye nokwahluka, Yongezwe kwisicwangciso esisinika izibonelelo, uya kuba nokukhuseleka okukhulu kokuphumelela kurhwebo olunokhetho olunambambili. Ukuba unesicwangciso sotyalo-mali kwaye unolwazi, ngaphandle kokulibala izixhobo ezisisiseko, kunokwenzeka ukuba ungafezekisa ezo ndlela zibini ukuba zilishishini elinenzuzo kuwe.
Kuya kufuneka uzilungiselele kwimeko apho uza kuba nelahleko, ukuze ukwazi ukwenza ukugxeka ukuze ucwangcise ukukwenza ngcono kwixesha elizayo. Xa sityala imali, isithunzi selahleko ihlala ikhona kwaye kungekudala okanye kamva kufuneka sive ubunzima.
Into ebalulekileyo nantsi indlela esijongana nayo, kwaye sikwazi ukujika iphepha, sifunde kwiimpazamo kwaye ke siqhubeke siphumelele, inye into esiyicebisayo kukuba nokuba ngaphandle kokulahlekelwa yilahleko, uhlala uhlalutya iiseshoni zokurhweba ngaphakathi. Ngale ndlela ukuqonda utshintsho kunye nokuziphendukela kwemvelo.
Kwaye isicwangciso sotyalo-mali?
Eyona nto ibalulekileyo ekufuneka uyikhumbule xa usenza i- isicwangciso sotyalo mali :
1. Yenza inkqubo ekunika iziphumo ngaphandle kokulibala iimfuno zakho, ukuba uyafuna, yenza uvavanyo kwaye ngale ndlela ujonge ukuba ngaba ilungile okanye kukho enye into esebenzayo ekunika izibonelelo ozifunayo.
2. Gxila kwinyani kwaye ungazami ukusebenza ngeemali ezinkulu kunokuba ungaphulukana nazo, kungasathethwa ke ukuzama ukuboleka imali kolu hlobo lweshishini. Yenza imisebenzi yakho nge-15 okanye iipesenti ezingama-20 kuphela zenkunzi yakho. Uluvo olulungileyo kukuba ugcine ipesenti yemali oyifumeneyo, ukuze uyisebenzise ukuphinda utyale kwaye uhlukanise yonke into onokuyenza ukuze ibhalansi yokusebenza kwakho izinze.
3. Kolu hlobo lotyalo-mali okanye kuyo yonke into, kubaluleke kakhulu ukuba uzilawule ngokupheleleyo iimvakalelo zakho, akufuneki urhuqe uloyiko, unxunguphalo okanye ukubawa, kuba oku kunokuba yingozi epokothweni yakho. Kuya kufuneka uyenze imisebenzi yakho ngokuzithemba ngokupheleleyo, ukuze ubale ezona ntshukumo zakho zintle zokurhweba kunye neziphumo ezilungileyo.
Lithini inqanaba lomngcipheko okanye isibonelelo?
Kuya kufuneka uyithathele ingqalelo le ngozi, kuba kulo naluphi na utyalo-mali ukuba ufuna ngaphezulu, kuyacaca ukuba kuya kufuneka utyale imali eninzi kwaye uthathe umngcipheko omncinci. Isixa semali osityale kufuneka sihlale sixhomekeke kwiinjongo onazo kunye uhlobo lotyalo-mali ukuba. Ukuba ufuna ukutyala imali ngokuthe ngcembe kwimisebenzi yakho, ikwayingcinga leyo, konke kuxhomekeke kwinto oyicingayo kunye nezigqibo ozenzayo.
El Inqanaba lomngcipheko lubalo oluxhomekeke ngokupheleleyo kuwe yenza ulungelelwaniso, kuba inento yokwenza neprofayili yakho, nokuba ungacingelwa ukuba uthathe umngcipheko, ngaphandle kolawulo lweemvakalelo, kuyafuneka nokuba singazivumeli ukuba siphenjelelwe ziimeko ezenzeka ngalo mzuzu Ukwazi ukuba ungakanani umngcipheko onokubeka umngcipheko ekusebenzeni kukwabaluleke kakhulu.
Kukho intetho "Okukhona umngcipheko uphezulu, kokukhona inzuzo inyuka" kodwa inyani kukuba oku akusoloko kuyinyani, ke kubalulekile ukuba uhlalutye xa kufanelekile kwaye xa kungenjalo.
Ngaphakathi Ingozi yomngcipheko kufuneka uhlale uthathela ingqalelo inzuzo Kwakhona, kuya kufuneka uyithathele ingqalelo kakhulu xa usenza urhwebo ngokukhetha okukhethiweyo. Into ekufuneka usoloko ujonga kuyo kwimisebenzi yakho kukuba kukho ulungelelwaniso phakathi kwayo nayiphi na inzuzo enokubakho kuwo nawuphi na umsebenzi kunye nomngcipheko oya kubakho kungekudala ukuba ilahleko yenzekile, konke oku kungenxa yemizamo yokufuna ukubuya okuthile.
Ukuba unomdla wokuphila ongakhetha kubini, Eyona nto icetyiswayo kukuba awuthathi mingcipheko emininzi kwaye ukuba uyenza kwixesha elide, kuya kufuneka usoloko ukhumbula ukuba olona khetho kukusebenza ngezivuno ezisezantsi kodwa ngomngcipheko olinganiselweyo xa kuthelekiswa nokuchasene noko. Eyona nto ifunwayo kukugcina inzuzo ehlala iqhubeka ngokuhamba kwexesha, ngale ndlela, xa umngcipheko uqina, kuya kuba ngcono.
Ukuqukumbela, ngaba kuyinyani okanye akunjalo ukuba unokuphila ngokukhetha okunambambili?
Impendulo ingabonakala ngathi yeyomntwana, kodwa yinyani. Ewe nohayi, kuba iyakuhlala ixhomekeke kwinkunzi onayo kunye namandla onawo okwenza utyalomali kunye nokuvezwa komngcipheko. Izinto ezimbalwa kufuneka zithathelwe ingqalelo:
1. Imali eyinkunzi efumaneka ngayo ukuze ukwazi ukwazi ukuba ingakanani kwaye iqale nini ukusebenza.
2. Imali efunekayo ukuze uphile.
Ukuphila kukhetho olukhethiweyo, ucinga ukuba kuphila kutyalo-mali kukhetho, nangona ...
Yimalini ipesenti yemali ukuze ubonwabele ubomi obutofotofo? Lowo ngumbuzo ophambili ekufuneka sizibuze wona, ke sinezinto ezi-2 zokuzihlalutya:
- Imali yokuqala ekhoyo: Kuya kufuneka ucinge ngepesenti ekufuneka uyiqalile, ukongeza kuhlalutyo lomngcipheko kunye neziganeko eziza kwenzeka ukuze ufumane eyona mbuyekezo.
- Imali eyinkunzi eyimfuneko ukuze uhlale nezinto onokukhetha kuzo: ukuba unenjongo yokufumana izibonelelo zekhonkrithi, kuya kufuneka ubenepesenti enkulu yemali eyinkunzi kwaye ke ngale ndlela xa utyala imali kubo unganikezela ngembuyekezo oyilindeleyo, kwibinzana elilula; Ukuba ufuna ukuphumelela okukhulu, kufuneka utyale imali enkulu, kuba zizinto ezimbini ezihamba kunye. Kwelinye icala, ukuba unemali encinci oyigcinileyo, inyani kukuba akunakwenzeka ukuba uphile ngokukhethwa kokubini okwethutyana, oko kukuthi, akunakwenzeka kwaye ukuba awushukumi umvuzo wakho uya kunyuka kwaye ke uya kuthi ube nakho ukuyiphumeza kungekudala.
Ukuze oku kwenzeke ngenene, okubaluleke kakhulu kwaye ekufuneka usithathele ingqalelo umonde, ukuba uyanyamezela kwaye uhlala uhleli, imali yakho iyakonyuka ngokungathandabuzekiyo ngokuhamba kwexesha kwaye ke ukwazi ukuyityala rhoqo kulindeleke ukuba kufuneka khula kwaye ube zizibonelelo ezibalaseleyo kuwe.