Elinye lamaphutha amabi kakhulu ongawenza ekuphathweni kokutshalwa kwezimali ukuzama ukukugcina konke ekhanda lakho, ukukhumbula ngekhanda okufanele ukwenze. Umatasa kangakanani, imisebenzi eminingi kuzodingeka uyenzeLapho uzizwa unengcindezi enkulu yokuhlangabezana nesikhathi esinqunyiwe futhi maningi amathuba okuthi ukhohlwe okuthile, ngaphandle kokuthi uhlele uhlelo olusebenzayo lokuphatha izimali ngempumelelo ethile kule minyaka embalwa ezayo.
Ngenhlanhla, kunezindlela ezinjalo futhi kubizwa ngokuba ne- ikhalenda lokutshala imali. Emakethe kunezinhlobonhlobo zemikhiqizo esiza ukuthuthukisa lo msebenzi futhi eminye yayo mihle impela. Kuzinhlelo zekhompyutha ezine izinhlelo ze-alamu ngoba lapho kuyisikhathi sokuthenga noma ukuthengisa amasheya emakethe yamasheya. Akumangalisi ukuthi isaziso singakhipha usizo olukhulu esinqumweni ozosenza emasontweni ambalwa ngaphambili. Ngokomqondo wezinto ezibalulekile, ingxenye yabaphathi engabalulekile akudingeki ukuthi ivele kuhlelo lwakho lokuphatha esikhwameni.
Ungakhethi uhlelo lokuphatha ngobunzima balo bezobuchwepheshe, ngekhwalithi yalo noma ngezixhasi ezinalo. Uhlelo kumele luguqulwe indlela ohlela ukuyisebenzisa ngayo. Ngokuvamile, uhlelo kumele luhlangabezane nezinqubo ezimbili eziyisisekelo. Ukugqamisa izibopho zesikhathi esizayo, ungahle uthande ukusebenzisa izinhlelo zobuchwepheshe. Ngakolunye uhlangothi, esikhundleni sokukukhumbuza ngokubheka okukodwa imininingwane yohlelo lwalezi zici, ikuphoqa ukuthi ufune idatha ngayinye ekutshalweni kwemali futhi iphakamisa amathuba amaningi ebhizinisi ongawathola kulezi zingxenyekazi.
Ukutshala Impumelelo: Ukuthola Imikhuba
Into ebaluleke kakhulu ngohlelo lokutshala imali ngokuqinisekile ukujwayela umkhuba wokuzijwayeza imakethe yamasheya futhi ukwenze umhlahlandlela wakho ukuhlela ukusetshenziswa kwesikhathi. Usebenzisa ngale ndlela, noma yiluphi uhlelo lumele usizo olukhulu ngisho nalolo oludwebile ukuhlela utshalomali kunoma yiluphi uhlobo lwecebo lokutshala imali.
Lapho ususungule ifayela le- Uhlu lokuhamba phambili ofuna ukukwenza kusuka kulezi zikhathi ezisendleleni eya ekufinyeleleni inhloso, kuzobe sekuyisikhathi sokuzihlanganisa zibe uhlelo oluhambisanayo lokutshala imali. Lapho wenza umsebenzi wokuthenga, ngokwesibonelo, ungacabanga ngezinto ezibalulekile okuzodingeka ubhekane nazo kusuka lapho.
- Imigomo okufanele uzibekele yona
- Thola ukuthi kuyini ufuna ukukwenza Ngempela.
- Setha a isabelomali ukusebenza ezimakethe zezezimali.
- Nquma ukuthi yini ukuphepha noma izimpahla zezimali ufuna ukwenza ngokusemthethweni.
- Qhathanisa amanani, imigomo, inani lenkontileka lezinketho ezahlukahlukene ezinikezwa izimakethe zezezimali.
- Thola ukuthi yini imithombo yolwazi ufuna ukuqasha.
- Yenza ukusebenza ezimakethe zezimali ku- umzuzu olungile.
Vele, akufanele wethembe ukuthi lezi zinhlangano zokutshala imali zishesha kakhulu maqondana nesikhathi esibekiwe. Awukwazi ukunquma ukuthi uzothenga kuphi kuze kube ngiqhathanise imithombo ehlukile bese ubheka ukuthi uzimisele ukusebenzisa malini. Isikhathi esidingekayo sokwenza ngakunye sincike emsebenzini ohilelekile.
Vele, awukwazi ukwenza lula ukusebenza futhi ukuthenga okuningi akukwazi ukwenziwa ngesikhathi esifushane kangako ngoba kungasho lokho izingozi ezeqile ekusebenzeni. Kodwa-ke, noma ngabe inani lemisebenzi elifunekayo, kungenzeka ukubona isikhathi esidingekayo sokwenza ngempumelelo.
Hlela ukutshalwa kwezimali ngaphambi kwesikhathi
Ngakolunye uhlangothi, uhlelo oluphelele lokutshala imali limane nje Indawo yokuqala ukunyakaza emakethe yamasheya. Ikunikeza ukubuka konke okusheshayo kwalokho ongakulindela, kepha ayiqukethe izinto ezanele ukuphatha isikhathi sakho uqobo. Kuze kube manje kuzofanela uhlele umsebenzi wakho otshalweni okufanele uhleleke futhi ube nenqubekela phambili.
Futhi awukwazi ukukhohlwa lokho njengoba usuyazi udinga amahora amangaki Kutshalo-mali ngalunye, kuzoba isikhathi sokuchaza imigomo yabo. Phakathi nezikhathi lapho kufanele wenze khona ukuthenga kube semthethweni, kungenzeka ukuthi unezinhlobonhlobo zezinhlobonhlobo noma iziphakamiso zesitoko ezihluke kakhulu. Isikhathi esifanele sokucacisa ukuthi yisiphi isinqumo ozosithatha kusuka manje. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo.
Xazulula izinkinga
Uhlelo olufanele lokutshala imali luhlukanisa usuku ngalunye lube yizikhathi eziningana, futhi kulokhu ngakunye kufanele usebenze emsebenzini wokutshala imali okuvumela ukuthi uthuthuke ekufezeni izinhloso zakho. Kepha, lapho usuka kwelinye ibhulokhi uye kwelinye, kufanele wenze imisebenzi ehlukile, lapho kungenzeka khona ukuthi amafoni ngaphandle kwalawo angaphambilini nawo abandakanyekile. Kunoma ikuphi, kufanele kube ngenye yezinto eziseqhulwini okufanele kubhekiswe kuzo amasu okutshala imali. Ngenye yezindlela ezizokusiza ukuthi wenze amaphutha amancane ekusebenzeni kwakho ezimakethe zezimali.
Ngakolunye uhlangothi, kusuka esigabeni se- isabelomali ekuthengeniIsibonelo, ungahle uqonde ngqo uye kwesinye kwesinye isikhathi esifushane kakhulu. Izinguquko ezinjalo zokugxila zingabambezeleka noma zime emikhondweni yazo uma ungakulungele lokhu kudlala. Kepha uma ukwazi ukuwafaka ohlelweni lwakho lokutshala imali, uzokwazi kalula futhi ngaphandle kokulibala ukufinyelela ezinye zezinhloso ezibaluleke kakhulu ozifunayo kuzitshalomali ozenzayo nganoma yisiphi isikhathi sonyaka. Ngalokho, ukusebenzisa kahle kuzosebenza kangcono kakhulu kuze kube manje. Ungangabazi ukuthi uzoyithola kusukela manje.
Isikhathi sokuhweba
Kusetshenziswa kanjani? Enye indlela ukulungiselela kusengaphambili ukuze imibiko nedatha eqoqiwe ilungele lapho usukulungele ukuqala ukuhweba ezimakethe zezimali. Okungcono mhlawumbe, ungakwazi nika abanye abantu noma ochwepheshe umsebenzi wokulungiselela ukuhlaziywa okukuvumela ukuthi ube nokuziphendukela kwemvelo nokuhlola ngokushesha kwezimali ofisa ukuzenza ezinsukwini noma emasontweni azayo. Ngalokhu, uzoba nomhlaba omningi otholakele ekulungiseleleni ukuthengwa kwamasheya ezimakethe zezezimali.
Komunye umthambo, kubalulekile futhi ukuthi uhlale ukhumbula ukuthi akukho okunye ongakwenza ngaphandle kokubekisa isikhathi esanele nciphisa isinqumo sakho ngenye indlela. Noma kubiza isikhathi esithe xaxa ukuyithuthukisa ngoba iziqinisekiso zizokwabiwa kakhulu zisuselwe kule yoqobo futhi ngasikhathi sinye isu elisebenzayo. Ngakolunye uhlangothi, akufanele neze ushiye izinqumo okufanele uzenze ezimakethe zezezimali ziye ekuvuseleleni. Hhayi ngeze, kufanele ucabange ukuthi yimali yakho uqobo esengozini futhi ngalo mqondo, izivivinyo ezibalulekile azifanele ngoba ungakhokha kakhulu kusuka manje.
Gwema amaphutha amakhulu
Uma ucabanga ngalesi sihloko, imiqondo eminingi engenhla ingabonakala kwasekuqaleni. Impela uyakuqonda lokho akunike isikhathi esanele Ukuya engxenyeni eyodwa noma kwenye yecebo lokutshala imali kungathatha isikhathi eside kunokulindelekile kusukela ekuqaleni. Ngoba empeleni, kumayelana nokulandela izinyathelo zokugwema noma yiluphi uhlobo lwamaphutha ekutshaleni imali emakethe yamasheya, ngaphezu kwalokho okudingeka kakhulu futhi okubandakanya ukutshalwa kwezimali kwalezi zici. Ngalesi sizathu, isiyalo ezenzweni zakho sizoba ngenye yezindlela zakho ezijwayelekile njengomtshalizimali omncane naphakathi.
Kungumqondo omsulwa, njengoba ungaqonda ngenye indlela. Mhlawumbe awuzange ube nesikhathi noma ubukhona bemfundo edingekayo ukuze uzindle ngokwengqondo kweminye yale mibono. Uma kunjalo, awungabazi ukuthi uzodinga isikhathi esithe xaxa ukwanelisa izinhloso zakho ezisheshayo ezimakethe zezimali. Ngoba ngeke kusaba khona ohlelweni lokutshala imali uma ungenaso isiyalo esidingekayo ukuyiqhuba. Sekuyisikhathi sokunikela ngalezi zici zephrofayili yakho njengomtshalizimali wokuthengisa oyikho ngempela.
Uma ekuphuthumeni kwakho ukhohlwa ezinye zalezi zeluleko esizivezile kuwe, akungabazeki ukuthi uzobhekana nengxabano ngeke kukuholele kunoma yini enhle maqondana notshalo-mali lwakho. Ngengozi efihlekile yokuthi ungalahlekelwa yingxenye enhle yokonga ebhekiswe kulokhu kutshalwa kwezimali. Noma okungenani awudingi ukwenza lolu hlelo lube semthethweni ngendlela ephumelela kunazo zonke, ngokuba ngesinye sezimbangela ezifanele kakhulu ukuze lonke utshalomali lwakho lungafezeki. Njengakwelinye icala, kuzobe kwenzeka kuwe ngezikhathi ezithile emlandweni wakho omude njengomtshali-zimali omncane naphakathi.
Kulesi simo esivamile, akungabazeki ukuthi ukuhlela utshalomali lwakho kuzokusiza kulo msebenzi wokuxhumana nezwe lemali eliyinkimbinkimbi njalo. Lapho izintshisekelo zakho zizohlala zisengozini futhi mhlawumbe nokuvela kwazo. Kuhle ukuchitha isikhathi esincane ubheka le miqondo.