Ukugembula: utshalomali noma umdlalo?

ukubheja. izingozi zakho

Ukwanda kokubheja kudala ukuthi abasebenzisi abaningi batshalwe kuzingxenyekazi ezimaketha njengezinye izindlela zokutshala imali. Kepha akufanele kube njalo, sekuvele kungumsebenzi oyingozi kakhulu kuzintshisekelo zabo. Manje kuhlobene kakhulu nethuba kunokuba necebo eliqinile lokwenza ukonga kube nenzuzo. Azinikeli ukuphepha, kubeka engcupheni yokuncika kumdlalo. Futhi ngenxa yalokhu, shiya ama-euro amaningi emgwaqeni.

Uhla olubanzi lwemidlalo nokubheja okukhona njengamanje (ezemidlalo, amahholo ebingo, ama-roulettes, i-poker ...), iningi lazo online, kuyisilingo esinzima kubasebenzisi ukuthi balingwe ekulangazeleleni kwabo thola imali kalula. Kungaba mnandi ngezikhathi ezithile ukubheja emdlalweni webhola lezinyawo, noma ngisho nokudlala umdlalo we-poker kusuka enduduzo yekhaya lakho. Inkinga ivela lapho umsebenzisi engasakwazi ukwenza ngaphandle kwale mikhuba eyingozi ngesikhathi sabo sokuphumula futhi kwabenza balahlekelwa yimali kaninginingi ngemali engenayo elandelanayo ukugcwalisa ibhalansi yabo, futhi ngenhloso yokubheka ukuthi inhlanhla yabo iyashintsha yini.

Imali engalahleka ayinakucatshangwa, - kuya ngezinga labo lokulutha - futhi ikakhulukazi uma umsebenzisi engenayo indlela ebabazekayo yokunciphisa ukulahlekelwa kwabo ngale misebenzi. Noma umlutha wakho uba mubi kakhulu, kungahle kufike isikhathi lapho ungeke usakwazi ukuyeka khona ngoba usuvele ubambeke ezintweni ozithandayo zezwe lokugembula, nawe kuzobiza okuningi ukukwenza ngaphandle kwale misebenzi emdlalweni, kwesinye isikhathi edinga usizo lwesazi sokusebenza kwengqondo.

Yini ezokuzuzisa ukunciphisa izindleko zakho, usebenzisa amasu wokonga ukunciphisa izindleko zakho zasekhaya noma ukhawulele uhambo oluya ezindaweni zokudlela, uma kwenzeka imbobo enkulu ku-akhawunti yakho yokuhlola ngenxa yokuthanda ngokweqile imidlalo? Kumele sigweme ukuwela kulezi zimo ezimangazayo emindenini eminingi yaseSpain futhi, lapho bengathola khona isisombululo ngokwenza kusebenze ubudlelwano babantu noma khetha ezinye izinto zokuzilibazisa ezinempilo, lapho kungenakulimaza lutho ephaketheni lalabo abathintekile.

Amathiphu ayi-10 wokuyeka ukugembula

Uma ungumuntu ongakwazi ukuchitha izinsuku eziningi ngaphandle kokubheja, uya emahholo ebhingo noma, ngamafuphi, uthembele ngokweqile emidlalweni, kuzonconywa kakhulu ukuthi ungenise eminye imihlahlandlela yokuziphatha. Ngamathuba amakhulu azokusiza ukuthi uphume kulokhu kulutheka komphakathi, futhi okungenani, ukuzuza ukuthuthuka kwikhwalithi yakho yempilo kanye… nesimo sephakethe lakho. Ngabe ufuna ukwazi ukuthi ungayithola kanjani?

  1. Gxila emisebenzini enenzuzo kakhulu futhi lapho ungathola ukwaneliseka okukhulu empilweni yakho yangasese: ukuzijwayeza imidlalo oyithandayo, ukuchitha isikhathi nsuku zonke ufunda noma uxhumana kaningi nomndeni nabangane.
  2. Kufanele uhlaziye ukuthi ngalokho okuchitha njalo ngenyanga kule midlalo ungakhokhela iholide elincane, uthenge isifiso sakho noma khulisa imali oyongile ku-akhawunti yokuhlola, ngisho nokukhuthaza ukonga ukuthengwa kwesithuthuthu noma imoto.
  3. Uma ungayinqumi inkinga ngesikhathi ingaqhubeka nokuqiniswa ngokwenza umlutha ukuthi kuzokubiza kakhulu ukuphuma kuyo, nokuthi ungadinga ngisho nezinsizakalo zesazi sokusebenza kwengqondo, noma ezinye izikhungo zosizo.
  4. Indlela enhle yokukhohlwa ngale mikhuba yokudlala ukungacabangi ngayo futhi gxilisa imicabango ezindleleni ezinhle ngokwengeziwe futhi kwakha okuzodinga ukuqina kwezinkolelo zakho.
  5. Abantu abaningi abangena emhlabeni womdlalo bakwenza ngenxa yesizungu, badinga ukuphazamiseka futhi bakhetha le ndlela ukugcwalisa ukusilela kwabo, ngakho-ke kunconywa kakhulu ukuthi ube nemibuthano eminingana yomphakathi lapho ungaxhumana khona nabanye abantu.
  6. Kufanele uhlole lokho ngenkathi ubheja ku-inthanethi uzokwazi ngokuvela kwezigxobo zakho, futhi lokho kungadala ukulahlwa kwemisebenzi yakho eyinhloko (eyomuntu siqu neyasekhaya), ngisho nalezo ezisemsebenzini ezithinta ukukhiqiza okuphansi noma ukusebenza komsebenzi.
  7. Ngokuvamile ekubheja ku-inthanethi izinzuzo ngokuvamile ziba ncane kakhulu uma ziqhathaniswa nobungozi bayo, ngenkathi ukulahleka kungathinta ngokungafanele isimo sama-akhawunti akho, ikakhulukazi uma kukhulunywa ngokuthola amanani alahlekile.
  8. Kungcono lokho nikela leyo mali emisebenzini eyanelisa kakhulu futhi kunenzuzo, njengokupha isipho obathandayo noma ukukhokhela imali encane.
  9. Esikhundleni sokubeka imali yakho engcupheni, uma udinga ukudlala, akwenzeki lutho; ungakhetha imidlalo evamile yomphakathi (mus, tute, domino…), okuzokunothisa ngokuhlangana nabanye abantu futhi nizoba nesikhathi esimnandi ndawonye. Futhi lapho mhlawumbe ukuphela kwento oyilahlekelayo ukusetshenziswa izimbangi zakho.
  10. Futhi, ekugcineni kufanele ucabange ukuthi yize ungawina imali ekuqaleni kokubheja kwakho, ngokuhamba kwesikhathi kungenzeka ukuthi kube okuphambene nalokho futhi usebenzise imali eningi kunalokho obekulindelwe ngesifiso sokuthola imali kalula nangemizuzu embalwa.

Akuyona imali

ukubheja

Kufanele wazi ukuthi ukubheja akukho utshalomali, kude nayo. Kubo unochungechunge lwemikhiqizo yezezimali (izimvume zemakethe yamasheya, ukuthengiswa kwezikweletu, izimali ezihwebelana ngokushintshaniswa, njll.) Lokho zivumelaniswa namaphrofayili owethulayo njengokutshalwa kwemali. Futhi ngezinga elithile lobudlova ongalikhetha ngokuya ngokulindela kwakho. Akufanele naphansi kwezimo ukuthi ushintshe ukubheja kulezi zinhlobo. Izingozi ezizohileleka esinqumweni sakho aziluleki kakhulu.

Kungumdlalo, ungawukhohlwa noma kanjani, futhi awuhlangene nomhlaba wokutshalwa kwezimali, nokuyinto ehluke ngokuphelele, futhi enezindlela ezahlukaniswe kahle kakhulu. Ngeke kube lula kakhulu kuwe ukuthola izinzuzo njalo futhi ezinzile. Futhi ngobubi bokuthi ungalahlekelwa yikho konke ngokubheja okukodwa. Kungaba okunengqondo ngezinga elithile othanda ukulidlala, kepha hhayi ukuthola ukusebenza okuxazulula izinkinga zezomnotho ze-accounting yakho yasekhaya.

Ukubheja kunokuningi okufanele ukwenze nomkhakha wezokungcebeleka, kunezezimali. Uma ungathathi le ndlela elula, nakanjani uzoba nenkinga engaphezu kweyodwa ezinyangeni ezimbalwa ezizayo, futhi kungenzeka zibe zimbi kakhulu. Futhi okubi kakhulu, zingadala inkinga yokulutha yangempela okunzima kakhulu ukuphuma kuyo.

Uma udlala ngalo msebenzi kwenze ngoba uthanda ukugembula, hhayi ukuzama ukukhulisa umcebo wakho ezinsukwini ezimbalwa nje. Ukukhungatheka ozoba nakho kuzobonakala ngesikhathi esifushane, uqaphele ukuthi wenze iphutha ekutholeni izidingo zakho zangempela. Akumangalisi ukuthi ukwenza ukonga kube nenzuzo kudinga umzamo owengeziwe, nokuzinikela okuthe xaxa ekuqapheleni izimali.

Ungayibona kanjani idigri yakho yokulutha?

izingozi zokulutha ekugembuleni

Ukwenza lo mkhuba ume futhi ungaqhubeki phambili, into yokuqala okufanele uyenze ukuqaphela izinkinga zakho ngokugembula, futhi uma usutholakele, sebenzisa izindlela ezidingekayo zokuxazulula lokhu kungasebenzi okuletha. Ngokuqinisekile uzokwazi ukuthi unokulutha okuncane noma okwedlulele kokugembula lapho uba nezimpawu ezilandelayo esiziveza ngezansi:

  • Awukwazi ukuvumela izinsuku ezimbalwa zidlule (ngisho namahora) ngaphandle kokuthi uxhumeke emidlalweni ngokubheja, cishe ngaphandle kokuphumula.
  • Njalo lapho ulahlekelwa ibhalansi wenza imali entsha ukuzama ukubuyisa ukulahleka okuqoqiwe, ngisho nangokuxhamazela.
  • Nini ushiya eminye imisebenzi yomphakathi (yiba nabangane bakhe, bukela i-movie, uzijwayeze umdlalo othile, njll.) ukuzinikela kulo msebenzi.
  • Ngokuxhamazela ubeka ukubheja njalo, noma kunezikhathi lapho engacabangi lutho ngaphandle kwalomsebenzi osuselwa enhlanhleni.
  • Ukuchitha isikhathi esiningi uhlaziya amathuba wokuwina, ufunde ukubheja okungenzeka, noma ukulandela imiphumela ku-inthanethi. Ukuze ushiya eminye imisebenzi ebaluleke kakhulu empilweni yakho yangasese.
  • Nini sekukhona imali engenayo eminingana osuyenzile, futhi zikhiqiza ukulahleka okuphelele ngokwanele, kuzoba yimbangela eqondile yokubona ukuthi kukhona okwenzekayo endaweni yakho.
  • Ekugcineni, lapho sekuya kuba nzima ngawe ukushiya konke, kubiza wena kakhulu futhi awufuni eminye imisebenzi ezongena esikhundleni sokulutha kwakho, kuzoba yisikhathi sokubona ukuthi kukhona okuthile okubucayi okwenzekayo kuwe, hhayi okungathi sína kangako.

Izindlela zokuyeka ukugembula

Ezimweni eziningi, abasebenzisi bathambekele ekugembuleni njengethuluzi lokuthola imali eningi ngesikhathi esifushane. Yilokho okwaziwa kakhulu njengokushaywa yinhlanhla. Kuyaqabukela kwenzeka, futhi ungabeka imali eningi endleleni, ngaphezu kwalokho ongase ucabange ekuqaleni. Unezinye izindlela ezingokwemvelo zokutshala imali oyongile. Zama ukukhetha eyodwa yazo. Ngeke kukuthathe isikhathi eside ukuthatha lesi sinyathelo esinqumayo.

Ukuze uthole ukuthi uthola izinzuzo njalo, futhi kwezinye izinhlobo zokutshala imali ungaziqoqa njalo ngenyanga. Enye yezinto eziphumelela kakhulu ukukhokhwa kwezinzuzo, ngembuyiselo yonyaka engafinyelela ku-8%. Ngaphakathi kwemali engenayo engaguquki, ngakolunye uhlangothi, usesimweni sokubhalisela imali yesikhathi ekhokha inzalo yakho kusengaphambili: njalo ngenyanga, ngekota noma ngonyaka. Ngokwempahla enkulu kwi-akhawunti yakho yokubheka.

Futhi uma okufunayo kungamafomethi anolaka kakhulu, lapho ungathola khona inzuzo enkulu yemali, kunemikhiqizo ethize kakhulu evumela leli qhinga lokutshala imali. Ngezingozi eziningi, kepha lapho okungenani ungeke ushiye yonke imali oyongile. Vele, bazodinga ukuthi ube ne- isiko elikhulu lezezimali uma ufuna ukuthola iziqinisekiso ezithile ekuthathweni kwezikhundla zale mikhiqizo yezezimali.


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.