Ukonga umkhuba Lokho kuyakhiwa, futhi kuwumkhuba ongajwayelekile ukukuthola, ngoba abantu abaningi bazithola besezikweletini noma ngezindleko ezidlula imali abayitholayo. Ngenxa yalokhu kungabonakala sengathi ukonga umsebenzi ongenakwenzeka uma sifuna ukuqala ukuhlakulela umkhuba, kodwa-ke, kungenzeka ukuthi sisebenzise amanye amaqhinga ukonga, ngendlela yokuthi akuyona into eyisicefe noma engenakwenzeka ukuyizuza, futhi ngukuthi lapho sisebenzisa la maqhinga, kuzoba lula kakhulu qala ukuhlakulela umkhuba wokonga, futhi lokhu kuzosivumela ukuthi sibe nemiphumela engcono kakhulu. Kepha ake siqale ngokukhuluma ngokuthi yimaphi la maqhinga okusindisa.
Amathiphu wokugcina
Okokuqala ukwenza ukonga ngokulandelana. Esinye sezizathu ezinkulu zokuthi kungani kunzima ukonga ukuthi ekuqaleni kungabonakala sengathi umzamo wethu ufinyelela kuma-euro ambalwa, ngakho-ke sithambekele ekusebenziseni imali yethu encane. Manje, ukulondolozwa okulandelanayo kusho ukuthi sonke isikhathi esithile, amasonto noma izinyanga, sifaka ebhange lezingulube noma kwi-akhawunti yasebhange inani lemali elinqunywe yile ndlela elandelayo.
I-Turk yokuqala ukusindisa
Ngokuya ngethemu, kulokhu sizobeka isibonelo samasonto onke, sizonquma i- a inani lokuqala lokulondoloza, isibonelo ama-euro ayi-10. Ngale ndlela, isonto lokuqala kuzofanele sifake la ma-euro ayi-10, ngesonto lesibili kuzofanele sifake ama-euro ayi-10 kanye namanye ama-euro ayi-10, okungukuthi, ingqikithi yama-euro angama-20. Kusukela esontweni lesithathu kunezindlela ezimbili ezingalandelwa, eyokuqala ukuthi ngesonto ngalinye elidlulayo sengeza ama-euro ayishumi afanayo; Okwesibili kungenzeka ukuthi senze isifingqo esilandelanayo, okungukuthi esontweni lesithathu kuzofanele songe ama-euro angama-10 (30 + 10 esontweni lokuqala nelesibili ngokulandelana).
Kanje iqhinga lizoba nomkhawulo, Yebo, kuzofika isonto lapho inani ebesizokonga lidlula amathuba ethu (ngokwesibonelo, ngeviki le-10 kuzofanele songe ama-euro angama-110, noma ama-550 ngokuya ngesamba sethu esisukela esontweni lesi-3), kungakuhle kakhulu ukuthi Masiphakamise umgomo wokonga ngesikhathi, okusho ukuthi izikhathi zethu zokonga zingamasonto ama-5 noma mhlawumbe ayisithupha, bese siqala umjikelezo futhi.
Ngokwenza lobu buqili, kungenzeka ukuthi ngesikhathi esifushane kakhulu sizokhulisa imali enkulu, ngaphezu kokusisiza ukuthi sakhe Ngiphila isikhathi eside ukonga imali yethu.
Icebo lesibili lokusindisa
Icebo lesibili eliwusizo kakhulu ukuligcina ukunquma inani elithile lemali engenayo yethu yanyanga zonke yokonga. Ukuthatha isibonelo, sizonquma ukuthi u-15% womholo wethu wanyanga zonke noma wamasonto amabili uzokwabelwa imali esiyongele imali yethu, ukuze kuthi lapho sithola imali yethu leyo-15% iye ngqo esikhwameni sethu sokonga. Leli qhinga lokonga lilula impela futhi liyasisiza ukwenza ukonga umkhuba, ububi bale ndlela yokonga ukuthi singaphelelwa yithemba ngoba asiqoqi imali eningi, ngoba kuzodingeka silinde amasonto amabili noma inyanga ukuze sikwazi ukubona umzamo wethu olandelayo obonisiwe, ngenkathi i- ukonga okulandelanayo kungaba, uma sinquma kanjalo, izinsuku.
Enye ye izinselelo ezinkulu Esizobhekana nakho yisifiso sokusebenzisa leyo mali entweni esiyifunayo, ikakhulukazi kuzoba yinto ezokwenzeka kithina ezikhathini ezimbalwa zokuqala, lapho besingakenzi khona lo mkhuba. Kodwa-ke, inzuzo yale ndlela ukuthi njengoba isikhathi sihamba singaba nomkhuba owakheke kahle futhi singakhuphula nemali eyabelwe ukonga ngendlela, ngokwesibonelo, minyaka yonke noma ngenyanga, okwenza ukulondolozwa kwethu kukhuphuke ngokushesha okukhulu.
Icebo lesithathu lokusindisa
Icebo lesithathu esingalisebenzisa ukonga ukuthola ibhange lezingulube, noma ngabe siyalithenga noma silithuthukisa ekhaya ngebhodlela, inhloso kuzoba ukuthi usuku nosuku sethula injongo yethu yokonga esitsheni. Le nhloso yokonga kungenzeka ukuthi zonke izinhlamvu zemali eziyisi-5 zama-euro ezidlula ezandleni zethu akufanele zisetshenziselwe noma yini, kodwa sizolinda kuze kube sekupheleni kosuku ukuze sizifake ebhange lezingulube; Enye inhloso engenzeka ukwethula isikweletu esithile, noma mhlawumbe zonke izinhlamvu zemali esizithola nsuku zonke. Le ndlela iyajabulisa ngoba ngokungafani namaqhinga amabili adlule, ebhange lethu le-piggy ngeke sazi ukuthi yimalini egciniwe, ngoba amanani afakiwe azohluka usuku nosuku.
Enye inzuzo yalokhu indlela yokonga ukuthi sizozijwayeza ukufaka imali ku- "akhawunti" yokonga. Ngakho-ke ngokuzayo kuzoba lula kakhulu ukukwazi ukonga ngamandla ngobuningi nangendlela eqhubekayo.
Amanye amathiphu wokonga
Kunezindlela ezimbili zokwenza lokhu iqhinga lokusindisa, okokuqala ukunquma usuku esizovula ngalo ibhange lethu lezingulube; Enye indlela ukuthi sinquma ukuvula ibhange le-piggy kuphela uma seligcwele ngokuphelele. Zombili izindlela zizosivumela ukuthi songele inhloso ethile futhi sakhe umkhuba wokonga.
Icebo lesine lokusindisa
Icebo lesine esingalwenza ukonga Ngenye yezinto eziphumelela kakhulu, kepha futhi okudinga amandla nokuzikhandla okwengeziwe, ngaphezu kolwazi oluthile lwezezimali. Futhi kungenxa yokuthi ukugwema ukuthi sisebenzisa imali, noma ukuthi simane nje simile ebhange lezingulube noma kwi-akhawunti yasebhange; singafaka imali esiyongile ku-akhawunti yotshalo-mali. Kodwa-ke, akubalulekile ukuthi sibe nolwazi olunzulu ngamathuluzi okutshala imali, njengoba kungadingekile ukuthi sibe namakhono okutshala imali.
Kepha uma kubalulekile ukuthi, ngokwesibonelo, sithintane nebhange lethu, ukuthi yiziphi izinketho ezingasinika zona ukuze imali yethu ikhiqize inzuzo.
Kuya ngokuthi Izici eziyisisekelo ezi-3, Ibhange lizokwazi ukusinikeza ithuba elingcono kakhulu lokwenza utshalomali lwethu.
Owokuqala we Izici ezi-3 isitayela sokutshala imali, ngoba kukhona amanye ama-akhawunti avumela umsebenzisi ukuthi akhethe ukutshalwa kwezimali kwakhe, ngenkathi kwezinye izinketho ezinikezwayo kukhona umuntu ophethe ukwenza ukutshalwa kwezimali, kanye nokuthi kufika nini isikhathi sokuqoqa izithelo zotshalo-mali Noma ngubani ophatha imali yethu uzogcina ingxenye yenzuzo njengekhomishini yokuphathwa kwama-akhawunti abo.
Isici sesibili yigama esifuna ukutshala kulo; Njengomthetho ojwayelekile, uma isikhathi esitshala imali yethu siside, inzuzo esizoyithola ngenxa yokutshalwa kwezimali iyanda. Ngale ndlela singakhetha ukutshalwa kwezimali kwezinsuku ezimbalwa, amasonto ambalwa, izinyanga noma ngisho neminyaka. Lesi sici sifaka neqiniso lokuthi ngabe sifuna ukuthi izinzuzo zikhonjiswe ngezikhathi ezithile, ngokwesibonelo, nyangazonke, noma uma, ngakolunye uhlangothi, sikhetha ukuthi izinzuzo zikhonjiswe ekupheleni kwesikhathi sokutshalwa kwemali.
Isici sokugcina okufanele sicatshangelwe ukuze sinikezwe inketho yokutshala imali ukuthi singakanani ubungozi esingafuna futhi esifuna ukusithatha; Njengoba kwaziwa, lapho kuba nkulu ingozi yokuthi silahlekelwe yimali yethu noma ukuthi imali yethu inciphe, iba nkulu inzuzo engakhombisa lokho; kuyisinqumo sethu ukuthi sifuna kangakanani ukufaka imali yethu engcupheni.
Elinye iqhinga esingalisebenzisa ukuze songe imali ukunquma inani elithile lemali ngenyanga ukuthenga izinto ezithile ezingalahlekelwa yinani lazo, njengobucwebe; Lesi seluleko sisebenza impela kulabo abakuthola kunzima ukonga imali ngokheshi. Enye yezinzuzo eziphambili zalolu qhinga ukuthi singonga uma nje sinentshisekelo yokukwazi ukuthola okuthile esikuthandayo.
Okubi Into ebaluleke kakhulu ongayisho kule ndlela yokonga ukuthi kuhlale kunethuba lokuthi uma ufuna ukuguqula amagugu abe yimali ukuze ukwazi ukuzenzela into esiyifunayo, kunzima kakhulu ukukwazi ukuthengisa konke amagugu ngokulandelana abalele ukheshi.
Ngaphandle kwalokhu kubi, lokhu indlela yokonga Kuwusizo impela, ngoba esimweni sezinsimbi eziyigugu, azilahlekelwa yinani lazo, kepha, ngokuphambene nalokho, njengoba isikhathi sihamba kungenzeka ukuthi inani lazo likhuphuke, lisenze singagcini ngokugcina imali, kodwa izinto zenzuzo ethile yesikhathi esizayo.
Isiphetho
Ukonga kubaluleke kakhulu ngoba kuzosivumela ukuthi sifeze izinhloso eziphakeme njengokuthola izakhiwo. Ngakolunye uhlangothi, kungumkhuba ongathuthukiswa kungakhathalekile ukuthi asinayo manje.
Ukufaka noma iyiphi yalezi zenzo kuqinisekisa ukuphumelela kwenhloso yethu yokonga, yize kubalulekile ukuthi sisho ukuthi konke kuzoncika ekuyaleni nasekuzimiseleni kwethu, kepha umvuzo uzokufanele ngoba ngokuhamba kwesikhathi kuzoba isikhathi sokwenza umkhuba wokonga nokuzuzisa kakhulu izimali zethu.