Isabelomali semindeni - indlela yokuphatha nendlela yokulondoloza ngayo?

Ukuphila kuba yisikhubekiso phakathi kwabashade, uma isabelomali semindeni sihleliwe ngokungaqondakali. Lokhu kwenzeka nabashadayo abasanda kuqala ukujwayela izinhlamvu zomunye nomunye. Ngamunye wabo unezidingo zayo siqu. Ukulondoloza isabelomali somndeni kunikeza umphumela omuhle, uma izithakazelo zamalungu omndeni zicatshangelwa.

Iyini isabelomali somndeni?

Imali ekhokhwa nyangazonke inomndeni omdala, kanti izingane zixhomeke kuzo. Isabelomali somndeni yisethi yonke imali engenayo yabashadile, equkethe imali etholakala ngendlela yokukhokha komsebenzi oyinhloko nokungeziwe. Kule mali "engaqondakali" ingalinganiselwa:

• ukudayiswa kwonyaka ngezivuno ezivunwe kusukela ngaphakathi;
• imisebenzi ye-nanny, umninikhaya, umthumeli, okwenziwa ngaphandle kwamahora okusebenza;
• ukusatshalaliswa kwemidiya enkulu (ukuthengiswa kwamaphephandaba, amapheshana, omagazini);
• izinsizakalo zokuzithokozisa (manicure, pedicure, eyelash sticking, massage, coloring hair, haircut);
• umsebenzi wokulungisa ezindlini nasezindlini;
• freelancing.

Le misebenzi iba indlela eyinhloko yokuthola imali, uma abanye bengatholakali. Okuningi kuxhomeke ekukhandlekeni komuntu, ulwazi lwebhizinisi lakhe kanye nekhono lokuhumusha elifisa libe yiqiniso. Uma amalungu omndeni omdala anezindlela zokuzilibazisa ezinikezela izabelo ezinhle, khona-ke umndeni uphikisana, futhi ubuhlobo buba namandla kakhulu.

Kungani umndeni udinga isabelomali?

Kungakhathaliseki ukuthi inani lemali elingakanani lomndeni, ebhokisini lemali ngeke likhule, uma ulichitha ngokungenangqondo. Inhlangano yesabelomali efanelekayo igcina futhi iphindise izimali ngisho nalapho imali encane itholakele. Isabelomali semindeni, esabekwe ephepheni, siyabheka izindleko zansuku zonke. Kulesi simo, kunikezwa kuqala ukuthenga lapho:

• kunesidingo nsuku zonke;
• kukhona inzuzo, evumela ukuthi ube nenzuzo eyengeziwe;
• imindeni ibona inzuzo enhle ngokuthengiswa kwayo okuzuzisa.

Izinhlobo zesabelomali somndeni

Izindlela ezitholakalayo zokonga isabelomali somndeni zakhiwa ngezinhlobo zenhlangano yakhe. Isibonelo, eminye imindeni, umfazi ungumholi ophelele wemali yokuthengiselana, unamakhadi omholo kanye namakhadi okulondoloza ezandleni zakhe. Umndeni onjalo "wokuzibusa" akuyona into engavamile uma umuntu engaqiniseki futhi ecabanga ukuthi umkakhe uzolahlekelwa imali kangcono kunalokho akwenzayo. Isabelomali esiphezulu somndeni singamelwa ezinye izinhlobo:

1. Okuvamile . Ngabhajethi yomndeni jikelele, izimali eziyinhloko nezengeziwe ziqoqwa ngesamba esisodwa. Okokuqala, izinsiza zomphakathi zikhokhwa, imali igcinwa ukuthutha, ukudla kwazingane esikoleni. Izinto ze-wholesale zithengwa izidingo eziyisisekelo (amaseli, imikhiqizo yokuhlanzeka) nemikhiqizo (inyama, okusanhlamvu, ibhotela, ushukela). Ukusetshenziswa kwezindleko ezilandelayo kuxoxwa ngakho emkhandlwini womndeni jikelele. Amalungu omndeni omdala ahlale eyazi ukuthi kuphi nokuthi kungani eshiye imali emkhakheni wezinkampani ezijwayelekile ze-piggy bank.
2. Ahluke . Imfucuza eyedwa ehlukile iba yinkinga enkulu kulabo abasanda kushada. Isibonelo, owesifazane uthenga umkhiqizo, kodwa indoda inikeza izingane izingubo, zikhokhela ukudla kwazo. Isabelomali esihlukile emndenini yiyona imbangela eyinhloko yokungavumelani komndeni. Uma omunye oshade naye engathuli ngokuthi unemali, kanti omunye-uyabudinga, ngakho-ke awukude nokuhlukunyezwa komndeni.
3. Ixubile . Ifomu elihle kunazo zonke lokuphathwa kwezimali lomndeni lixubene. Imfucumfucu eyinhloko ikhona, njengalokhu isabelomali somndeni jikelele. Kodwa imali engenayo eyengeziwe (isibonelo, umyeni ufuna umsebenzi emsebenzini wokwakha, umfazi uhlanganisa izinto futhi uthengise) ahlale naye. Leli fomu lokwenza isabelomali semindeni akubangeli ukungazethembi komunye nomunye.

Isabelomali emndenini sakhiwe kanjani?

Abashadile bathola umholo wenyanga uma besebenza ebhizinisini, ezikoleni zasenkulisa nasezikoleni, esibhedlela, ezakhiweni zomphakathi. Lapho ibhizinisi lomndeni liqhutshwa, imali iyingqikithi yebhange lezinkampani ingabanjwa masonto onke noma nsuku zonke. Abantu abadala bakasebenzi, kodwa bathola impesheni. Kulezi zimali, imali eyinhloko yomndeni isungulwa.

Okubalulekile, okusebenzayo, okusebenzayo akusimi lapho. Bakha into ethile, bavuselele izinto eziphukile kuzo kanye nabanye, bahlanganise izinto ezinhle, bhaka amaqebelengwane okumnandi ukuze babhale, babhale izihloko ezinhle. Imali engenayo eyengeziwe, eletha inzuzo ngaphezu kwendawo esemthethweni yomsebenzi, esikhathini esizayo ingaba uhlobo oluyinhloko lwemali engenayo. Iyini imiphumela yesabelomali semindeni kule simo? Impendulo ilula: kuyo yonke imithombo yezimali.

Indlela yokuphatha isabelomali somndeni?

Imali yemali kanye nezindleko zabo ibhalwe kangcono ephepheni. Imininingwane enjalo kunzima ukuyigcina inkumbulo. Isabelomali somndeni yirejista yemali lapho imali igcinwa khona, futhi imfucuza yabo ibalwa ukucacisa ulwazi mayelana nokuthi imali ekhululekile "ikhululekile" ihlala kanjani kwezinye izindleko. Ukuzicabangela, ungakha i-notebook jikelele bese udweba amatafula amabili kuwo:

Ukuhlelwa kwesabelomali somndeni

Umbuzo wendlela yokuhlela isabelomali somndeni, kufanele ubuye njalo. Kubalulekile ukunquma ukuthola imali yesonto, ngenyanga, ngonyaka. Zonke izimali zicatshangelwa: impesheni, umholo, isitifiketi, isabelo somntwana, imali eyengeziwe. Ukukhokha okuqhubekayo kunqunywa: Izinsiza, ugesi, i-intanethi, ukudla kwesikole. Okulandelayo: izinkokhelo, inani elihluka ngalo: ukukhokhelwa kokuxhumana kwamaseli, ukuhlanza owomile, imikhiqizo yomndeni, izingubo. Kudingeka:

• inani lemali;
• izimali zemfucuza yonyaka (ukuthengwa kwamalahle, amazambane, ushukela, imifino nezithelo zokuvuna ubusika).

Indlela yokwabela isabelomali somndeni?

Akunzima ukuqonda indlela yokubala isabelomali semindeni, uma izindleko ezingenhla zidonswa emholweni womndeni wonke. Imali ehlala "mahhala" ingasetshenziswa ekuthengeni okungakapheli. Uma enganele, izimali ezingasetshenzisiwe kufanele zishiye kuze kube ngenyanga ezayo, lapho isabelomali esisha sithola imali engenayo. Ngesikhathi esifanayo ukheshi kufakwa futhi kwirejista yemali evela kumthombo owengeziwe. Ngokuhamba kwesikhathi, imali encane yenziwa ngemali encane.

Indlela yokwandisa isabelomali somndeni?

Ngeviki izinsuku ezingu-7, lapho abantu abangu-5 abachitha khona emsebenzini. Isikhathi sakusihlwa sichitha ukulungiselela isidlo sakusihlwa, ukugeza izitsha, ukubukela izindaba noma i-movie. Ngezimpelasonto kufika ukujika kokuhlanza endlini , kusebenza engadini. Ukuhlelwa kwesabelomali semindeni kuyaqhubeka kuyafana ngenyanga nenyanga. Uma bekukhona isikhathi esiningi samahhala, abantu bangandisa imali yabo ngemali eyengeziwe. Kukhona indlela eyodwa kuphela yokuphuma: kubalulekile ukusabalalisa imithwalo yemfanelo ngokufanele phakathi kwawo wonke amalungu omndeni. Khona-ke kuyokwenzeka ukuthi uthole enye indawo.

Ilondoloza isabelomali somndeni

Iphutha elikhulu lomndeni ukuzama ukuhlala njengabo bonke abanye. Ngakho-ke kuyadingeka ukuba udideke njalo indlela yokusindisa isabelomali somndeni. Abantu bathengela amafoni omakhalekhukhwini abizayo, izinto zendlu zasendlini, izingubo. I-wardrobe "engahambelani" ifinyelela ku-20-40% - izingubo ezinhle zigcinwe icala elithile elikhethekile, kodwa akenzeki. Amakhamera, amakhamera wevidiyo, ama-microwave asetshenziswa kuphela ngezikhathi ezithile. Ukudla okunomsoco kuyisimo esibucayi. Empeleni abantu abathengi imikhiqizo, kodwa isethi yezinto ezibalulekile. Kodwa izitsha ezihlwabusayo futhi ezinempilo zingalungiswa kusuka ekuthengeni okungabizi.