Isabelomali somndeni yindlela yokuphatha imali engenayo yomndeni wonke. Ukulondoloza isabelomali semindeni akuyona imingcele yezezimali wena nomndeni wakho kuzo zonke izigaba zokuphila, kepha ikhono lokusingatha kahle imali nokucabanga ngokucophelela.
Uma ufuna ukwazi impendulo yombuzo othi "Ungakusindisa kanjani isabelomali somndeni?" Bese ufunda lesi sihloko. Zinikeze nokuphepha kwezimali komndeni wakho noma uthuthukise njalo inhlalakahle yayo - lokhu kuyiqiniso ngempela.
Izindleko nemali engenayo, noma kanjani ukudala isabelomali somndeni?
Okokuqala, kufanele uzijwayele ngesakhiwo sesabelomali semindeni, ngoba ngaphandle kolwazi oluyisisekelo, awukwazi ukuyihlela ngendlela efanele.
Isakhiwo sesabelomali somndeni sihlanganisa izihloko zesabelomali somndeni. Imali engenayo yesabelomali yomndeni isakhiwe ezihlokweni ezimbili eziyinhloko:
- imali engenayo eyisisekelo;
- imali eyengeziwe.
Kulesi sihloko seholo engenayo, kungenzeka ukuthi usebenzise inzuzo etholakalayo endaweni yomsebenzi oyinhloko ilungu ngalinye lomndeni. Imali eyengeziwe iyinzuzo umndeni owuthola ngomsebenzi owengeziwe, kusukela ekutheni usomabhizinisi, utshalomali noma imali engenayo kusukela ekusetshenzisweni kwendawo eseduze.
Imali esivele isabelomali yomndeni ihlukaniswe yaba yimifudlana eminingi, noma njengoba cishe usuqagele kakade ezintweni eziningana zokusebenzisa imali:
- izindleko zokugijima;
- izindleko zokuqoqa;
- ukugcina isikhwama;
- isikhwama sokuthuthukiswa.
Amagama anjalo entengo yezindleko atholakala ngokuhambisana nezinhloso zabo eziyinhloko, esizoxoxa ngazo ngokuningiliziwe. Izindleko zamanje ziyingxenye yezindleko zemali yomndeni, zibandakanya izindleko zento yonke oyidingayo: ukudla, izikweletu zesevisi, izingubo ezingabizi, izicathulo, izinkokhelo zemali mboleko, njll. Ingxenye yemali ebekwe eceleni ngezinhloso ezibi kakhulu nezindleko, njengezikhathi zokuphumula ehlobo, ukuthengwa okubizayo - kuthiwa yizindleko zokuqoqwa. Isikhwama sokugcina imali sihlehlisiwe "ngosuku olumnyama". Isikhwama sokuthuthukiswa sibheka imali umndeni wakho ozinikeza ekuthuthukiseni noma yimiphi imithombo yemali engenayo eyengeziwe.
Ukuhlaziywa kwesabelomali somndeni kungenziwa ngemva kwezinyanga ezingu-3-4 zokurekhoda ngokucophelela yonke imali engenayo kanye nezindleko zomndeni wakho, ngokusho kwesakhiwo esingenhla.
Manje ukuthi uyazi ukuthi isakhiwo sesabelomali somndeni singaqhubeka sibheke izindlela zokulondoloza isabelomali somndeni.
Indlela yokulondoloza kahle isabelomali somndeni?
Imali iyinani elizinzile, elichazwe ngokucacile olithola ngomsebenzi wakho. Ngezindleko, konke kuhlukile, kungabi nemkhawulo.
Qaphela izindlela ezilandelayo zokulondoloza isabelomali somndeni bese usebenzise konke noma okungenani oyedwa wabo, okukufanelekela kahle.
Izindlela zokulondoloza isabelomali somndeni
Ukusetshenziswa kwezindlela ezilula zokonga kunganciphisa izindleko zomndeni ngo-10-25%.
- Uma unemoto, sebenzisa kuphela uma kunesidingo sangempela. Uma unethuba lokuya endaweni yomsebenzi noma esitolo, ungabi nobuvila noma ungayinaki.
- Cabanga ngamathuba okusindisa amandla. Sisetshenziselwa ukulawula izindleko zikagesi futhi ungayinaki inombolo enkulu yemishini yasendlini, ukusetshenziswa okungashiywa kancane,
noma uma kungenjalo kungenzeka, okungenani zama ukufaka ama-light-saving bulbs endlini. - Cabanga ngezinhlelo zokukhokhiswa kwama-operators wakho weselula, njengoba nje ngonyaka ngamunye zihlinzeka ngemali engabizi futhi enenzuzo, ngokushintsha komndeni wakho ozokwazi ukusindisa kusuka ku-3 ukuya ku-5% wesabelomali somndeni.
- Ungaziphili ukuphumula, iya kuma-movie, skate futhi ugibele echibini, yenzeni, uma kungenzeka, ngezinsuku zamasonto. Okokuqala, ngezinsuku zamasonto amancane abantu, futhi okwesibili, izindleko zeholide elinjalo ziyoba eshibhile ngo-10-15% kunezimpelasonto.