Enye yezindlela ezinhle kakhulu ze sithuthukise impilo yezimali zethu ukwenza isabelomali. Ukuba nesabelomali kubaluleke kakhulu kangangokuba nezinkampani ezinkulu, kanjalo nohulumeni, bazihlelele isabelomali sabo; kodwa kuyini? Futhi ngaphezu kwakho konke, kwenziwa kanjani? Lo mbhalo wenzelwe ukuthi usebenze njenge- umhlahlandlela ojwayelekile wokuthi ungasenza kanjani isabelomali sakho, ukuze izimali zethu zithuthuke.
Iyini futhi yenzelwe ini?
Isabelomali wuhlelo lapho kokubili ukungena kwemali yethu nokuphuma kwethu kubhalwa khona, ukuze ngenxa yalokho kusinikeze ukuhlela kokuthi imali yethu kufanele iye kuphi. imithombo yezomnotho, futhi ngaphezu kwakho konke kusisiza ukuba sazi ukuthi zikhona yini ezinye izindiza ezinkulu noma izindleko ezithile Lokho kwenza ukuthi kwesinye isikhathi singakwazi ukonga noma ukuthi sishoda nangemali ukuze sikwazi ukukhokhela izindleko zamasonto onke noma zamasonto amabili.
Isabelomali sinerekhodi lesikhathi ngasinye lapho kuphuma khona imali; Isizathu sokuthi lokhu kumele sicaciswe yingoba lapho singabheki konke ukuphuma kwemali kwethu, imvamisa kuba nokungabaza ngokuthi kungani singenamali eyanele ekupheleni kwenyanga; futhi ezikhathini eziningi kungenxa yokuthi imali iphuma kokunye ukudla okulula, eziphuzweni ezithambile noma ukuvakasha nabangani. Futhi uma kungekho ukuhlela okuhle ngalokhu, kuzoba nzima kakhulu ngakho izimali zethu ziyathuthuka.
Lapho-ke isabelomali sisisiza ukulawula ukungena kwemali, kanye nokulawula izindleko zethu; futhi ngokulawula sisho ukuthi njengoba inyanga idlula sizobe sesivele sazi ukuthi yini esingayisebenzisa futhi engeke siyisebenzise imali yethu. Kepha akusizi lokhu kuphela, isabelozimali sizosivumela futhi ukuthi sibheke ukusilela kwamanje kokulawulwa kwemali bese senza ukuhlela ukwenza isibonelo, ukukhokha izikweletu noma ukonga ukuze sikwazi thenga leyo ndlu noma leyo moto esiyifuna kakhulu.
Manje njengoba sesazi ukuthi isiphi isabelo mali esisinikeza sona, umbuzo obaluleke kakhulu uyeza: Wenziwa kanjani? Isigaba esilandelayo sizophatha ukuchaza ukuthi kufanele kwenziwe kanjani isabelomali nokuthi sisichaza kanjani.
Ukwenza isabelomali
Ngokwalokho esikuhlaziyile esigabeni esedlule Isabelomali sincike ezintweni ezimbili eziyinhloko, ukungena kwemali nokuphuma kwemali. Ngakho-ke ukuze senze isabelomali sethu, into yokuqala esiyidingayo ukwenza uhlu ngayo yonke imali engenayo ehleliwe, ngokwesibonelo, uma sineholo lama-euro angama-1500, nemali engenayo yokuqasha engama-300 euros, sizobhala phansi ukuze bakwazi ukwenza isamba sokugcina, kulokhu okungaba ama-euro ayi-1800. Uma unayo eyodwa kuphela imali engenayo yenyanga, umholo wethu, kufanele ubhekwe njengokuthi uyini, inani elilodwa lokufaka.
Into elandelayo ukwenza uhlu ngayo yonke into ukuphuma kwemali, noma izindleko ezihleliwe; ngalesi sinyathelo kufanele senze okulandelayo. Okokuqala, izindleko esazi ukuthi zizokhokhwa phakathi nenyanga zibaliwe.Lapha kumele sifake, isibonelo, izindleko ezinjengokukhokhelwa kwezinsizakalo zeselula, i-intanethi, kufanele futhi sifake nezikweletu noma imali ebanjiswayo; Manje kuza ingxenye eyinkimbinkimbi ngokwengeziwe, futhi lokho wukuthi kuze kube manje izindleko zinqunyiwe, okusho ukuthi inyanga nenyanga kufanele ukhokhe inani elifanele lezinsizakalo noma amapulani ethu ngenkathi kunezindleko ezingekho ngqo, ezifana izindleko zokudla noma igesi yemoto.
Ezimweni lapho singazi kahle ukuthi yimali engakanani esizoyisebenzisa kwi-pantry yethu, okumele sikwenze ukubala isilinganiso semali esiyisebenzisayo ngesonto, ngale ndlela singenza isibalo esiqonde ngqo. Futhi ukugwema ukuthi ukubalwa kwethu kube ngaphansi kwenani langempela, kulula ukuthi kufakwe u-10% enanini eliholelekile, ngale ndlela singathola izindleko ezingahlelwanga ngendlela engathinti sonke isabelomali sethu. nokuthi eyethu ukuhlela izinkokhelo ezihleliwe.
Elinye iphuzu elibalulekile okufanele licatshangelwe kusabelomali sethu yi izindleko zokunakekelwa kwekhaya, noma isinqamu, kanye nokukhokhwa kwentela nezindleko zezingubo; Kubalulekile ukuthi noma singayothenga inani elilinganayo lezingubo njengenyanga edlule, sibe nenani elithile lemali eselibekelwe leyo nhloso, ukuze kuthi uma kule nyanga singasisebenzisi sonke isabelomali sezingubo, ngenyanga ezayo singasebenzisa isabelomali saleyo nyanga kanye nokonga, noma siqhubeke nokonga.
Ake sihlaziye isabelomali samanje
Uma sesinezimali ezimbili eziyinhloko, imali engenayo kanye nezindleko eziphelele, kubalulekile ukuthi ukuyitolika siqhathanise lawa mali; Kunezimo ezi-3, esokuqala nesivame kakhulu ukuthi imali yethu engenayo idlula izindleko zethu, futhi uma sithi akujwayelekile kakhulu sibhekisa ezikhathini zokuqala lapho senza isabelomali sethu, ngoba inhloso ukuthi ngokuhamba kwesikhathi sifinyelele kulokhu isimo, ukuze wonge.
Isimo sesibili ukuthi nini imali yethu zilingana nezindleko zethu; Lesi simo sihle impela, nokho, asisihle kakhulu, ngoba ukuphela kwenyanga asizukuba nalutho esizongonga. Futhi isimo sokugcina lapho izindleko zethu zidlula umholo wethu; lokhu okuvame kakhulu, futhi isizathu esiyinhloko ukuthi asinakho okubalulekile.
Udaba lwesibili okufanele silubheke ukuze sihumushe isabelomali sethu lukukhokhwa kwezikweletu, ngoba lezi yizona ezivame ukudala izinkinga eziningi ngaphezu kokumelela iningi izindleko kusabelomali. Ngakho-ke lapha sinenkinga yokuxazulula, izikweletu.
Umbuzo wesithathu okumele siwubhekele ukuthi ngabe sibheka izinto eziseqhulwini kwisabelomali, sizokuqaphela lokhu ngokuqhathanisa izindleko zomuntu ngamunye Mayelana nezindleko eziphelele, ngale ndlela singazi ukuthi yiziphi izici ezinikezwa isabelomali esikhulu; futhi uma sesikuchazile kahle lokhu, kuzobaluleka ukuthi thina ngokwethu sihlaziye ukuthi amanani amele amaphesenti aphezulu abaluleke ngempela yini noma uma singakwazi ukuwanciphisa, udaba oluzodingidwa kamuva.
Isabelomali esizayo
Manje njengoba sesinakho umbono wokuthi yini esiyisebenzisayo nemali Esikwenzayo inyanga nenyanga, nokuthi sihlaziye isabelomali sethu ukuze sikwazi ukusetha izindawo ezinamathuba nezinto eziseqhulwini, kubaluleke kakhulu ukuthi sihlele ukuthi sifuna isabelomali sethu siziphathe kanjani ngokuzayo ukuze sikwazi londoloza.
Into yokuqala okufanele siyicabangele yizinto eziseqhulwini kithi, ukuze sigcine izindleko zethu ezingenasidingo zingahlelwa. Okunye okubaluleke kakhulu kithi kungaba izikweletu nezindleko zokuqasha noma ukudla. Uma izinto zethu eziseqhulwini sesizibeke kahle, kuzodingeka ukuthi sibale isabelomali sesikhathi esizayo, futhi ngale ndlela sizokwazi ukuthola insalela yethu yokuqala. Manje ake siqhubekele esihlokweni esithakazelisa kakhulu, izikweletu.
Into yesibili okufanele siyixazulule yizikweletu esinazo, kubalulekile ukuthi lapho senza isabelomali esisha senyanga sikubeke emqondweni ukuthi, uma sikhokha imali Kuthishanhloko wezikweletu zethu, izindleko zanyanga zonke ziyancipha, ngaphezu kwalokho inani lenzalo esizolikhokha lizokwehla. Ngale ndlela, kufanele wenze uhlu nazo zonke izikweletu, uma sesinalo lolu hlu kubalulekile ukuthi sibhale phansi imali ekhokhwayo, isikhathi okumele sikhokhelwe ngaso noma sikhokhwe ngaso, futhi ekugcineni nesilinganiso senzalo. Njengethiphu, izikweletu zokuqala okufanele zikhokhwe yilezo ezinenzalo ephezulu kakhulu.
Okusho ukuthi, uma sinezikweletu ezintathu, esokuqala esikhokha njalo ngenyanga ama-euro ama-5 ukukhokha izinyanga eziyi-12 futhi ngezinga elingu-3%, okwesibili ngokukhokha nyangazonke kwama-euro ayishumi ukukhokha izinyanga eziyi-10 ngezinga elingu-8 %, kanti owesithathu onenkokhelo yanyanga zonke yama-euro ayi-5 okufanele akhokhwe ezinyangeni ezingama-12 futhi ngaphandle kwenzalo; futhi imali esiyitholayo yanele ukumboza izikweletu ezi-24, futhi sinemali eyengeziwe esele, into ebaluleke kakhulu ukukhokha leyo mali ethe xaxa kwi-akhawunti yokuqala, okuyiyona enenzalo ephezulu kakhulu. Uma lokhu sekulungisiwe, sizokhokha ama-euro ayishumi esikweletu sesibili, kanye nemali eyengeziwe, futhi ngale ndlela singakwazi ukukhokha isikweletu sethu kalula futhi ngaleyo ndlela sithuthukise isabelomali sethu kanye nezimali zethu.
Uma sesinayo sixazulule noma sahlela ukukhokhwa kwezikweletu zethu Iphuzu elilandelayo elibalulekile okufanele licatshangelwe izindleko zezintuthwane, lezo ezingacaci, njengezeluleko noma izindleko zezikhathi ezithile kokudla okulula noma ukulangazelela okufana no-ayisikhilimu. Ukulawula lezi zindleko kubaluleke kakhulu ngoba lapho sihlanganisa zonke lezi zindleko ezincane, inani eliphumelelayo livame ukubonakala; Qaphela ukuthi ukunciphisa nokulawula kangcono lolu hlobo lwezindleko kuzosivumela ukuthi sibeke phambili kwezinye izindaba ezinjengokukhokhwa kwezikweletu esinazo.
Uma sesibe nesabelomali sethu esesihlelile, kubalulekile ukuthi sifunde ukusilawula, okusho ukuthi, kufanele sihambisane naso ukuze sikwazi ukonga nokunciphisa izindleko zethu ezingenasidingo.