Ukubaluleka kokonga

ukubaluleka kokonga

Ngokuya ngemininingwane ekhishwe yi Isikhungo Sikazwelonke Sezibalo (INE) kuma-Euro angama-100 angena emakhaya aseSpain, angama-6,5 kuphela awo asetshenziselwa ukonga ngokusebenzisa okokusebenza kwezezimali njengezikhwama zempesheni, amabhange okonga noma amadiphozi. Futhi ukuthi umkhuba obaluleke kangako ungavinjelwa izindleko zansuku zonke, ukungasebenzi noma amaholo angakuvumeli ukuthi uphile ngokuthula.

Kulinganiselwa nokuthi cishe ama-58% wabantu baseSpain bangena ezikweletini ngandlela thile ukuze baphume enyangeni. Yize singekuphike ukuthi kubantu abaningi kunzima ukuba nokulinganisela kwezomnotho ngezizathu ezahlukahlukene, kuyiqiniso futhi ukuthi kuhlala kunamasu nezindlela zokuqala ukonga, ingasaphathwa eyezinzuzo eziningi ezilethwa ukuba nesigaba somnotho sezimo eziphuthumayo noma umhlalaphansi.

Kungani ugcine?

Uma uneholo elizinzile elikuvumela ukuthi ubhekane nazo zonke izidingo zakho ngaphandle kwenkinga, ungahle ubone iyonganoma njengento engenasidingo futhi ezosusa imali ethile ongayisebenzisa ngokushesha. Kodwa-ke, ukonga hhayi kuphela okuzokuvumela ukuthi uthole izinzuzo zesikhathi eside, kepha futhi uzokwazi ukuthola kulo mkhuba ukwesekwa okuzokuvumela ukuthi ulale ngokuthula wazi ukuthi wenza umatilasi wezomnotho ongakusekela uma kunesidingo.

Akufanele sikhohlwe izinga eliphezulu lokungasebenzi okuthinta aboHlanga namhlanje, ingasaphathwa eyokubi kokuhlala njalo ngokuya ngamakhadi esikweletu noma imali obolekwe yona. Londoloza Izokuvumela ukuthi ubhekane nezingqinamba zezomnotho ongahle uhlangane nazo empilweni yakho, ngenkathi ikuvumela ukuthi wenze amaphupho akho namaphrojekthi afezeke ngaphandle kokungena ezikweletini iminyaka bese ugcina ukhokha imali engaphezulu kwalokhu obekufanele ukwenze.

Izinzuzo zokonga

  • Izinhlelo zokonga isikhathi eside njengezimpesheni zizokuvumela ukuthi ube nokuzinza kwezezimali futhi uphile impilo efanayo naleyo oyijwayele uma usuyekile ukusebenza. Noma kungenxa yeminyaka, ukugula, ukulimala, ukungasebenzi, noma esinye isizathu, kuhlale kukuhle ukuba nesipele esivumela ukuthi uhlale ngokuthula.
  • Ngeke kudingeke uncike kumanani wenzalo nezimali ozokhokha ukuze ufeze amaphrojekthi akho, ngoba ungawakhokha ngokheshi ngemali oyongile. Izinqumo ezibaluleke kakhulu empilweni yakho ezifana nezifundo zakho zaseyunivesithi, umshado wakho, indlu yakho noma enye impahla kungaba ngeyakho uma uqala ukonga ngokushesha nangendlela efanele ngangokunokwenzeka.
  • Uzohlala uzilungele izimo eziphuthumayo. Ngeshwa akekho noyedwa wethu okhululekile ekuhlushweni yingozi, ukugula, noma esinye isimo esisenza sengozini kwezomnotho. Ngale ndlela asinakuphika ukuthi ukuba nesipele kuzosivumela ukuthi silale ngokuthula ebusuku, sazi ukuthi sivikelekile.
  • Ukonga kulula kakhulu kunendlela ongacabanga ngayo, futhi uzobona ukuthi ngeke kudingeke unciphise izindleko eziningi ukuze ukwazi ukukwenza kahle.

Ungaqala kanjani ukonga?

ukubaluleka kokonga

Kungabonakala ekuqaleni ukuthi ukonga kungumsebenzi ongenakwenzeka okuthola ukufinyelela kubantu abanemiholo emikhulu kakhulu kuphela. Iqiniso ukuthi akunjalo, futhi bonke abantu bangafunda ukonga, kumane kuyindaba yokwazi ukuthi imali yethu iyaphi nokufunda ukuzihlela ngendlela elula nephumelela kunazo zonke yokwaba ingxenye yemali yethu ukonga ngaphandle kokunganaki izinkokhelo zethu zenyanga noma indlela yethu yokuphila.

Lapha sichaza ukuthi ungakufezekisa kanjani lokhu:

Ngokwabo

ukubaluleka kokonga

Ukonga akufani nezindleko zokusika, kepha ukuwaqondisa kabusha ngendlela engasiza kakhulu esikhathini esifushane nesikhathi eside. Akuwona umsebenzi onzima futhi uzodinga kuphela ipensela nephepha noma ispredishithi ukuze kuthi emizuzwini embalwa uthole uhlelo lwakho lokonga lwenyanga nonyaka.

Landela izinyathelo esizichaza ngezansi ukukufeza:

  • Isinyathelo sokuqala sokwenza uhlelo lwakho lokonga ukubhala inani esinalo nyangazonke. Singachaza imali engenayo njengemali etholwa umuntu ngokushintshisana ngomsebenzi wakhe noma njengomkhiqizo wokusebenza kotshalo-mali olwenziwe. Lokho wukuthi, yonke ingeniso yemali esinayo ngenyanga.
  • Ngemuva kwalokho sizobhala zonke izindleko esizidingayo ukuze siphile ngokujwayelekile futhi esingeke sikwazi ukuzenza ngaphandle, njengokuqasha, ukubambisa ngempahla, ukukhokha imoto nyangazonke, ukubhaliswa, izinsizakalo zendlu, njll. Lezi kuzoba izindleko ezihleliwe, futhi nyangazonke ziyefana noma zehluke kakhulu.
  • Kamuva sizobhala phansi izindleko esivame ukuzenza kodwa ezingabalulekile osukwini lwethu losuku, njengokuvakasha, ukuthenga ngamandla, izipho, ezokungcebeleka, noma izindleko zamadlozi. Lezi zokugcina yizo izindleko esingazinaki ngoba zincane kakhulu, kodwa okuqoqiwe kungangeza kufinyelele kwisamba esikhulu. Lezi zindleko zaziwa njengezindleko eziguquguqukayo ngoba ngokungazicabangi zihlukile inyanga nenyanga.
  • Okokugcina, bhala zonke izinkokhelo okufanele uzenze minyaka yonke futhi ezibalulekile. Lokhu kungaba ukukhokhwa komshuwalense, isitatimende semali engenayo, noma amaholide uma uzibona zidingeka. Hlukanisa le mali ngo-12 bese uyifaka ohlwini.
  • Faka izindleko zakho ezihleliwe, izindleko zakho eziguquguqukayo, nomphumela wezindleko zakho zonyaka ngo-12. Ziqhathanise nomholo wakho wenyanga.

Uma ubonile ukuthi imali oyisebenzisayo inkulu kunaleyo oyiholayo, kungenzeka ukuthi uphila ngokuya ngokuthi amakhadi wesikweletu nemali mboleko yakho. Yize lezi zinsimbi zilusizo ukuphuma ezinkingeni ngezikhathi ezithile, akukhuthazwa ukuthi ngaso sonke isikhathi sincike kuzo ukuze siphile, ngoba sizomane sandise isikweletu okuzoba nzima kakhulu ukusikhokha kancane kancane.

Sekuyisikhathi sokuthi uhlaziye uhlu osanda kulwenza bese unquma ukuthi yiziphi izinto ongazenza ngaphandle kokuqondisa kabusha imali yakho yokonga. Indlela enhle yokuqala ngokuhlaziya ukuthi ingakanani imali oyisebenzisayo ekudleni, ukuthi uchitha malini ekuthengeni izinto ongazithandi noma ezintweni ongazidingi ngempela, noma ukuthi ingakanani imali oyisebenzisela ukuzilibazisa. Uzobona ukuthi uma unezinyanga ezimbalwa ukhipha lezi zinto uzokwazi ukukhokha izikweletu zakho bese uqala ukonga kahle.

Kufanele wenze inqubo efanayo uma izindleko zakho zilingana noma zingaphansi komholo wakho, umahluko wokuthi ungaqala ngokushesha ukudala isigaba semali osinaka ngasikhathi sinye futhi osifaka ngokushesha kwi-akhawunti yokonga ngesikhathi ukuthi uthola umholo wakho. Kancane kancane uzobona ukuthi le akhawunti ikhula kanjani futhi iba isipele esiwusizo kakhulu nesisebenzayo ukubhekana nanoma isiphi isimo lapho udinga khona imali ephuthumayo noma ukwenza wonke amaphrojekthi owaphakamisayo afezeke, njengokuthola indlu yakho, ukushintsha imoto yakho, qhubeka nezifundo zakho noma yini oyiphakamisayo.

Ngokusebenzisa insimbi yezezimali ezenzakalelayo

Uma ungumsebenzi oholelwayo, unenzuzo eyisisekelo ngoba ungaqasha omunye wabaningi izinsimbi zemali etholakala emakethe ezokusiza ukuthi wakhe umkhuba wokonga unganakile. Izinhlelo zokulondolozwa okuzenzakalelayo zisebenza ngokukhipha emholweni wakho okhokhelwayo isamba osusungule phambilini, bese uyifaka kwi-akhawunti ongakwazi ukuyifinyelela kuphela ngaphansi kwezimo ezikhethekile, njengokungasebenzi, ukuphuthumayo noma ukuthatha umhlalaphansi.

Impela emsebenzini wakho sebenalo vele uhlelo olufanayo osucaphune kulo noma ongalicaphuna ngokulicela nje. Uma lokhu kungenjalo, ungaya ebhange eliphethe iholo lakho noma enye into oyethembayo, uzobona ukuthi uzolithola kanjani inani elikhulu lezinketho nokunakwa okudingayo ukuze ukhethe uhlelo lokonga olulungele wena isimo esithile.

Kunconywa kakhulu ukuthi wenze zombili izindlela zokonga, uhlukanise futhi uhlukanise izindleko zakho zanyanga zonke ngenkathi ungena kuhlelo lokonga oluzenzakalelayo njengalezo ezichazwe ngenhla. Uzobona ukuthi lezi zinyathelo ezimbili ezilula zizokwenza umehluko omkhulu ezindabeni zakho zezezimali.

Izeluleko zokugcina zokonga

ukubaluleka kokonga

• Uma uzithola usesimweni lapho ungeke uyeke ukwenza noma yiziphi izinkokhelo, beka phambili okuyizinto ezibaluleke kakhulu. Ungahle ungakwazi ukuqeda ukukhokha irenti, kepha ungaqasha insizakalo eshibhile yokuxhumeka kwe-inthanethi. Kungenzeka futhi ukuthi awukwazi ukuqeda ukukhokha intela yanyanga zonke yemoto, kepha uma ukwazi ukuhamba njalo lapho uya ezindaweni eziseduze ukuyozivocavoca umzimba, siza imvelo futhi wonge imali.
• Phinda uhlaziye isakhi ngasinye esakha izindleko zakho eziguquguqukayo. Ngokuqinisekile uzothola izinto ohlwini lwakho lokudla ongazidingi futhi ezigcina ziphelelwe yisikhathi efrijini lakho. Uzobona ukuthi uzothola izindlela eziningi zokwehlisa izindleko zakho bese uqala ukonga kahle.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.