Ukuhlelwa kwesabelomali somndeni

Umqondo we "isabelomali" uyaziwa phakathi kwabantu. Kodwa akubona wonke umuntu owazi ukuthi lena akuyona indlela eyodwa kuphela yokubala imali nezindleko, kodwa futhi futhi ikhombisi yobuhlobo bomzimba emndenini. Isabelomali semindeni yipulani yanyanga zonke, ehlelwe ngokuvumelana nezinga lokuhola lomndeni othile.

Kanjani kahle ukubala nokuphatha isabelomali somndeni?

Ukubala isabelomali somndeni, kuzodingeka ukubala ibhalansi yezindleko nemali yomndeni wakho ezinyangeni ezingu-3-4.

Kunezigaba eziningana ekulawulweni kwesabelomali somndeni.

  1. Ukubeka imigomo yomhlaba jikelele. Uma umndeni wakho ungenayo umgomo ocacile, awukwazi ukwenza isabelomali ngendlela esiza ukuyifinyelela.
  2. Ukwenza isabelomali somndeni noma ukuhlela kwezezimali. Kulesi sigaba, kufanele uhlukanise zonke izindleko:
  • Ukugcinwa kokubika ngokulandela uhlelo lwesabelomali. Ukubalwa kwezindleko zelungu ngalinye lomndeni nokucatshangelwa ukuthi kungenzeka ukunciphisa.
  • Ukuhlaziywa kwesabelomali. Sesha izimpendulo zemibuzo:
  • Isiyingi esivaliwe sezindleko. Inani eliqinile lezindleko zomndeni ezidingekayo.
  • Kulungile kanjani ukusakaza isabelomali somndeni?

    Okuvamile kunazo zonke izigaba, ngokusho ukuthi yiziphi izinhlobo ezihlukene ezihlangene, ezihlukene, ezihlukene, ezihlukene ezihlukene zomabhajethi womndeni. Ngenye yalezi zinhlobo ezinikezwe zinemiphumela emibili neyingozi, ngakho kufanele ukhethe uhlobo lwakho kuye ngezici zobudlelwane bomndeni wakho.

    1. Isabelomali esihlangene. Uhlobo lwesabelomali lomndeni oluvame kakhulu. Kulesi simo, umfazi nomyeni bahlanganisa ndawonye yonke imali eqoqwe ndawonye bese banquma ukuthi bazoyisebenzisa kuphi. Kulokhu, izimali zomuntu siqu kanye nesabelomali somndeni zihlobene.

      Izinzuzo: umqondo wenyama "wobumbano" wamalungu omndeni.

      Umqashi: ukungathandi komuntu ngamunye ukubika, izindleko zabo, isifiso sokuzimela ekuxazululeni izinkinga zabo zezezimali. Isifiso sokulahla imali engenayo, hhayi ndawonye.

    2. Ngokubodwa - ehlukene noma ebhizinisini. Uma usebenzisa imodeli yesabelomali yomndeni, ungazimela ngokuzimela kuphela lezo zimali ezisele ngemuva kokukhokhwa kwazo zonke izindleko zokuqala, ezifana nokudla, izinkokhelo zesevisi, izindleko zendlu, njll.

      Izinzuzo: akukho mqondo wecala ngemali esetshenziselwa isabelomali somndeni jikelele.

      Ummeli: Ukungathembeki kwamalungu omndeni komunye nomunye, ngenxa yokuzimela kwezimali.

    3. Isabelomali esahlukanisiwe. Abashadile kuleli cala kukho konke bazihlinzekela, kuze kube sekudleni. Kungasetshenziselwa imindeni lapho umfazi nomyeni abanomholo ophezulu futhi abafuni ukuthembela kunoma ubani.

    Izinzuzo: akukho ukuphikisana ngezizathu zezezimali.

    Umqashi: ukungabi nesifiso sokwenza ukuthenga okuhlangene.

    Indlela yokuhlela isabelomali somndeni?

    "Indlela yokwakha isabelomali somndeni?" Ingabe umbuzo okhathazayo abantu abaningi. Ubuchwepheshe besikhathi samanje buvumela ukuba ulawule kalula isabelomali somndeni ngokudweba izinhlelo zokusebenzisa imali nenzuzo ngenyanga ezayo. Uma ungenayo ukufinyelela kwezinhlelo zekhompiyutha ezidalwe ngokukhethekile, khona-ke ungakha ngokuzimela itafula lezindleko nemali yomndeni wakho. Khumbula ukuthi idatha kufanele icaciswe ngokunembile ngangokunokwenzeka.

    1. Yenza itafula zibe ngamakholomu amane.
    2. Ekholomu yokuqala, bhala igama lemali elindelekile kulenyanga, izinkokhelo, izimpesheni, izibonelelo zabantwana, njll.
    3. Ekholini yesibili, faka inani lemali engenayo elandelwe.
    4. Ekholini lesithathu, faka izindleko ezilinganisiwe, zonke izinhlobo zokuthenga.
    5. Ikholomu lokugcina lizohambisana nezibalo zezindleko zokuthenga okuzokwenzeka.
    6. Ukubalwa kwesabelomali somndeni. Bala imali engenayo kanye nezindleko, cabanga ukuthi yini engashintshwa kwimininingwane kuleli tafula ukuze ukwandise isabelomali somndeni, udwebe iziphetho.