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.
- Kubalulekile ukuthi ujwayele ukuthenga kuphela okudingekayo, okungukuthi, ukuzijwayela ukugcina.
- 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.
- Ngaphambi kokuba uthenge noma yikuphi ukuthengiswa kwenkathi, khumbula ukuthi yikuphi okwakudinga ngaphambi kwezaphulelo ezithembisiwe: kungenzeka ukuthi ngemuva kwezindleko eziqhathaniswayo ngisho nentengo ekhuphukile yezimpahla.
- Fundisa izingane ukufunda nokufunda ngezimali: kumele baqonde ukuthi imali ayifuni esibhakabhakeni, futhi ufunde ukuthi ungayisebenzisa kanjani ngokulinganayo.
- 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.
- 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.
- 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: