Ungasindisa kanjani imali?

Uqaphele ukuthi kunabantu abangatholi imali ngemali, kanti abanye - njengamanzi ageleza phakathi kweminwe, kungakhathaliseki ukuthi bangaki kubo abaye kubo. Ngenxa yalokho, abanye banama-akhawunti asebhange kanye "nesikhwama sokuphepha" ezinyangeni ezimbalwa uma kwenzeka amandla amakhulu, abanye - isixuku sezikweleti. Yebo, futhi inkinga ihlanganisa izinkinga.

Ungasindisa kanjani imali?

Imali iyingozi "umkhiqizo", futhi ngesifiso sokuthola (noma ukususa kwenye) kukhona abantu abaya kunoma yiziphi izintambo. Kumele ukhumbule u-Ostap Bender, owayesazi izindlela eziningi zokuthi "athathe imali kubantu" ngobuqotho, ngakho-ke sizochaza imithetho embalwa ezosiza ukuqonda indlela engcono yokugcina imali.

  1. Kubalulekile ukuthi ujwayele ukuthenga kuphela okudingekayo, okungukuthi, ukuzijwayela ukugcina.
  2. Ukuze uqonde ukuthi ungagcina kanjani imali ekukhuphukeni kwamandla emali, kudingeka ufunde ukugcina irekhodi lemali engenayo nephumayo nsuku zonke - lokhu kuzonikeza ithuba lokuhlaziya ukuthi yikuphi futhi isamba sesabelomali esisetshenzisiwe.
  3. Ngaphambi kokuba uthenge noma yikuphi ukuthengiswa kwenkathi, khumbula ukuthi yikuphi okwakudinga ngaphambi kwezaphulelo ezithembisiwe: kungenzeka ukuthi ngemuva kwezindleko eziqhathaniswayo ngisho nentengo ekhuphukile yezimpahla.
  4. Fundisa izingane ukufunda nokufunda ngezimali: kumele baqonde ukuthi imali ayifuni esibhakabhakeni, futhi ufunde ukuthi ungayisebenzisa kanjani ngokulinganayo.
  5. Awufuni ukulahlekelwa - ungazitholi. Yiqiniso, kukhona, ngisho neseluleko esinamandla: ukubuza yonke into. Isibonelo, udinga ukucabangela ukuthi ngabe umuntu ongenakukwazi ukuthola imali angasifundisa indlela yokuthola imali enkulu.
  6. Ngokungavamile ukuthi sibajwayele, izihlobo nabangane, kungenzeka ukuthi ngeke silahlekelwe yimali yethu. Ungavumi ngesikhathi esisodwa, kodwa ungasheshi ukuvumelana: "kuze kusasa" konke kungashintsha. Uma unquma ukuthatha, unganqikazi ukuthatha irisidi.
  7. Ungalokothi ubolekise imali, futhi uma bekwenzile, bese unikeza ngesikhathi futhi ungazami ukuthatha entsha ukuze ukhokhele omdala, kungenjalo kuyoba nzima kakhulu ukuphuma kulo mgodi wesikweletu.

Kodwa-ke, angifuni ukwazi ukuthi ngingalokothi ngilahlekelwe kanjani imali yami, kodwa nokuthi ngingaba kanjani indlela yokwandisa inombolo yabo.

Akukona nje kuphela ukusindisa, kodwa futhi nokwandisa imali?

1. Ukulondolozwa komuntu siqu . Udinga ukufunda ukuhlehlisa njalo ngenyanga inyanga ethile, ngisho ncane kunazo zonke, kodwa - ibhilidi enkulu. Imali ekhethiwe akufanele isetshenziswe njengokungathi ayikho nhlobo; ngesikhathi esisodwa, okungenani ngenyanga, isitoko sabo sidinga ukugcwaliswa. Lokhu kukuvumela ukuthi ulondoloze imali enkulu yokuqala yokutshalwa kwezimali.

2. Imali ekhokhwa yibhange . Thembela ama-deposit accounts weziko lesezimali elinedumela elihle nokuthembeka okukhulu; Ungakholelwa izithembiso zezinga eliphezulu lesithakazelo esibhakabhakeni: okukhangisa kakhulu izithembiso zentshisekelo enkulu, ingozi enkulu yokulahlekelwa konke okulondolozwayo. Futhi khumbula ukubusa kwe "amaqanda kwelinye ibhasikidi": ungagcini imali yakho ebhange elilodwa.

3. Izimali . Indlela engcono kakhulu yokwandisa imali ukutshala izimali, okungeke nje kwandise inzuzo, kodwa futhi inikeze okuhlangenwe nakho okubalulekile kule ndawo.

Izindleko ezinenzuzo kunazo zonke emkhakheni wokutshalwa kwezimali namuhla zingacatshangelwa:

  • ukuthengwa kwezindlu zangempela (ngenhloso yokubuyiselwa kabusha noma ukuqasha);
  • ukuthenga izinsimbi ezibalulekile;
  • ukuthola umhlaba (uhlelo lufana nokuthengiswa kwezindlu);
  • ukuthengwa kwamasheya, ukugcinwa kwamasheya, amaphothifoliyo wokutshala izimali;
  • ukuvulwa kwebhizinisi lakho noma ukubamba iqhaza kwinkampani yangaphandle;
  • ukuqalisa (lokhu kungaba amaphrojekthi we-intanethi ahlukene, ngakho-ke ezinye izinhlobo zebhizinisi ngaphandle kwewebhu web jikelele).