Ungayonga Kanjani Imali Ngokushesha - 30 Ukonga Izimfihlo

Kulesi sihloko, sizobheka ubuqili bokonga imali. Kuyo ngizokwabelana ngamathiphu nezimfihlo zendlela yokonga imali ngokushesha efulethini noma emotweni. Imininingwane iyasiza empilweni, kodwa okokuqala, ake sijwayelane nomqondo oyinhloko.

Ngokusho kochwepheshe, ukuze unqwabele inani elithile, kuyadingeka ukuthi wonge imali, udwebe uhlu lokuthenga okuzayo bese uthatha ezinye izindlela eziningi. Eqinisweni, le ndlela ikusondeza ebuphofini, futhi akunakwenzeka ukufeza inhloso oyithandayo ngaphandle komthombo omusha wemali engenayo.

Inketho ekahle yilapho imali engenayo idlula izindleko. Ngasikhathi sinye, akukho ukuthenga okugagadlile, noma imikhuba enesifiso, noma ukungabi namandla okusindisa okuzokwazi ukuvimbela ukuqoqwa kwemali. Akumangalisi, ngoba imali engenayo yanele ukuhlangabezana nezidingo nokuqongelela imali eyengeziwe.

Ukuhlela isabelomali namathuluzi okonga kusiza empilweni. Kepha imvamisa, amasu anjalo ayadamba futhi aqhutshelwe ekhoneni elifile. Ngenxa yalokho, isimo sezimali siya ngokuya siba sibi.

Izeluleko eziyi-10 ezisebenzayo zokonga imali

Nginethulela amathiphu ayi-10 ongonga ngawo imali ngokushesha, kepha ngiyakuxwayisa ukuthi ngaphandle kokubheka eminye imithombo yemali engenayo, ayisebenzi.

1. Beka eceleni inani elithile elinqunyelwe njalo ngenyanga. Kufanele kukusondeze kunhloso yakho ngaphandle kokuyekethisa ikhwalithi yempilo.
2. Faka uhlelo lokusebenza kukhompyutha yakho noma iselula oluzokusiza ukurekhoda imali engenayo nezindleko. Ngokuhlaziya ukuhamba kwemali, uzokwazi ukusabalalisa kahle ukusetshenziswa kwemali. Uma ungewona umngane wobuchwepheshe bekhompyutha, gcina idayari. Umphumela ngeke ushintshe.
3. Cabanga ngendlela yokonga imali ukunciphisa izindleko. Uma uvame ukuthenga izinto ezingenamsebenzi, kepha uletha injabulo, nciphisa imali oyisebenzisela ukuzithenga, kodwa ungazikhiphi ngokuphelele. Zivuze ngokufeza inhloso yakho.
4. Ungazibekeli imigomo engaphezu kwamandla akho. Uma ungenawo amakhono wokonga imali bese unquma ukuthenga ifulethi, umzamo uzogcina ungaphumelelanga. Okokuqala, gxila ekufinyeleleni imigomo emincane, bese ushintshela kwezinkulu.
5. Imali ehlehlisiwe kufanele isebenze. Inketho - idiphozi yasebhange.
6. Ungabolekisi imali. Uma umuntu ephendukela kuwe ecela usizo, hhayi inhlangano yezikweletu, uyangabaza ukuthi angakwazi yini ukubuyisa imali ebolekiwe. Abanye baboleka kumuntu wangasese ukuze bangakhokhi ngokweqile.
7. Khokha izikweletu ngomzuzu wokugcina. Ngenxa yalokho, imali izohlala ezandleni zakho isikhathi eside ngangokunokwenzeka futhi izoletha inzuzo.
8. Hlela izindleko zakho. Zisabalalise ngesikhathi ukuze zingagudluki futhi zingakufaki ezimweni ezinzima.
9. Gwema ukusebenzisa amakhadi esikweletu, ikakhulukazi uma ungakwazi ukuzilawula. Abanye, sebekhiphe ikhadi lesikweletu, balikhipha ngokushesha. Ngenxa yalokho, ngaphezu kwemali oyisebenzisile, kufanele futhi ukhokhe inzalo. Lokhu ngeke kusize ukuqoqwa kwezimali.
10. Bheka ngentshiseko imithombo yemali engenayo. Le nto iyadingeka. Uma uqinisekisa ukuhamba kwemali, lawa macebiso anganakwa.

Nawa amanye amathiphu alula futhi asebenzayo okonga imali. Beka umgomo bese uqhubeka. Kepha empilweni kunezimo eziningi ezingancikile kithi. Izimo ezinjalo zibhekwa njengamandla amakhulu, hhayi iphethini.

Uyonga kanjani imali yentsha

Abanye abantu bacabanga ngemali njengodoti. Kodwa-ke, indima yemali empilweni iyanquma, lokhu kuyiqiniso. Kukholakala ukuthi yizingxenye ezizimele kuphela zomphakathi ezinikezwa imali ngobuningi obanele. Angivumelani nalokhu, njengoba intsha nayo inezicelo.

Intsha iba mnandi kakhulu kunabantu abadala ngokuncane. Ngamunye wethu wake waba yintsha futhi waphupha ngokuthenga okuthile okuncane. Eminyakeni edlule, izinto ezibekwe eqhulwini ngabantu abasha zishintshile, kepha lokhu akuwushintshi umnyombo wendaba. Ngakho-ke, nazi izeluleko zokusiza ingane yakho ukuthi yonge imali.

1. Angikukhuthazi ukuthi osemusha achithe imali ngaphandle kwezizathu ezibalulekile. Lapho uzama ukuthola okuthile okuzuzisayo, gcina imali, noma ngabe incane kangakanani.
2. Hlela uhlelo lwakho lokonga. Thatha isiqeshana sephepha bese usebenzisa ipensela ukuqopha imijovo ehleliwe nokuphuma kwemali.
3. Nciphisa ukuthenga amaswidi, ama-trinket, nokuchitha imali ekwenzeni imikhuba emibi. Esikhundleni sokuvakashela iklabhu yekhompyutha noma indawo yaseshashalazini yamabhayisikobho, hambahambahamba epaki.
4. Ngikweluleka ukuthi ugcine imali endaweni lapho kuba nenkinga ukuyithola. Ibhange le-piggy liyindlela enhle. Yenza ibhange le-piggy ngokwakho. Lokhu kuzokusiza ukuthi usebenzise iphupho lakho, ubonise amakhono akho futhi wonge imali.
5. Imvamisa, imali engenayo yentsha iba nemali ephaketheni kuphela. Ngakho-ke, ukuze ufeze inhloso ngokushesha, zama ukukhulisa imali engenayo. Ngikweluleka ukuthi uthole umsebenzi njengoweta e-cafe. Izikhungo ezinjalo ziyakujabulela ukuqasha izingane ezingenalwazi lomsebenzi.
6. Izinkampani eziningi ziqasha izithunywa - enye indlela yokuthola imali kwentsha. Ngokuchitha isikhathi esincane, umsebenzi onjalo uletha imali enhle.
7. Zizame njengomhambisi wephephandaba noma umhleli wephephandaba. Ukuze wenze lokhu, udinga ukwazi ulimi lwakho lwendabuko, uhlaziye imininingwane bese uxhumana nabantu.

Amathiphu Wevidiyo

Ngiyavuma, akukho lutho oluyinkimbinkimbi futhi olungaphezu kwamandla emvelo ekusebenzeni kwamaphoyinti afakwe kuhlu. Lolu hlelo luyasebenza. Igama lokufeza umgomo lincike esifisweni, imali engenayo, izindleko kanye nenani ohlela ukuliqoqa.

Uyonga kanjani imali yomuntu omdala

Akuwona wonke umuntu ojabulela ukukhokhelwa okuphilayo ukuze ukhokhe. Umuntu onesitashi kuphela ongathenga ukuthenga okukhulu noma iholide phesheya. Lokhu kuzodinga amandla okuqoqa imali.

Lapho usufunde izinto zokuqongelela izinsizakusebenza, uzokwazi kahle ubuciko. Ngenxa yalokhu, awudingi ukubaleka kusuka kwelinye ibhange uye kwelinye ufuna imali mboleko yomthengi enenzuzo.

• Beka kuqala izinto ngendlela efanele... Ungahle ngasikhathi sinye uthenge ijazi loboya, ushintshe imoto uye olwandle. Ukuzama ukonga imali yakho konke, upenda ukushiywa ngaphandle kokonga. Kungakho kubalulekile ukuthi uchaze umgomo oyinhloko bese uqhubekela kuwo, futhi ngemuva kokuqaliswa kwawo, shintshela kwamanye amaphupho.
• Hlola amathuba ngendlela efanele... Uma uhola ama-ruble angama-25 00 ngenyanga, akunangqondo ukonga imali yokuthenga ikhaya eMiami. Okokuqala, khulisa iziqu zakho, thola umsebenzi omusha, futhi ngemuva kwalokho ugcine imali yokuthenga izindlu.
• Thola inani ongalonga... Ungazincishi injabulo encane nezinto ezincane. Ngaphandle kwalokho, yeqa futhi usebenzise imali enqwabelene. Ochwepheshe batusa ukuthi ungonge ngaphezu kwamaphesenti ayishumi omholo wakho wenyanga. Le ndlela isebenza kubantu abavamile. Uma uhola ngaphezu komuntu ojwayelekile esifundeni, khulisa isibalo size sifike ku-50%. Into esemqoka ukuthi indlela yokuphila ayihlupheki.
• Gcina imali oyilondolozile lapho ungeke ukwazi ukuyithatha khona ngokushesha... Inketho - idiphozi yasebhange enenzalo enhle kanye nethuba lokugcwaliswa kabusha. Imvamisa, ngokukhishwa kwemali kusenesikhathi, iklayenti lilahlekelwa inzalo enqwabelene. Ngicabanga ukuthi bambalwa kakhulu abantu abazovuma ukulahlekelwa yinzuzo, obekusezandleni zabo. Ungabeki imali oyongile ngaphansi kukamatilasi noma ekhadini lediphozi. Yehlulekile ukubhekana nesilingo futhi ugqashule, ubhubhise kalula udoti.
• Zikhuthaze njalo.... Njengoba uqoqe ingxenye ethile yemali ehleliwe, zenzele isipho: thenga iwashi noma uye endaweni yokudlela. Ungazijabulisa ngezinye izindlela. Usuku olungakahleleki, ukuhlangana nabangane, ukubukela i-TV. Into esemqoka ukuphazamiseka ebhizinisini futhi uphumule. Njengoba usuqongelele ingxenye elandelayo, zithokozise futhi ngento encane. Ngemuva kokuqoqa yonke imali, beka eceleni okungenani ama-ruble ambalwa. Umphumela uzoba yisisekelo sokuqongelela okulandelayo.

Ungacabangi ukuthi akunakwenzeka ukubhekana nomsebenzi. Eqinisweni, okuphambene kuyiqiniso. Setha umgomo bese uya ngokuhlelekile kuwo. Khumbula, isihluthulelo sempumelelo ukuqonda ukuthi imali iya kuphi. Ngaphambi kokuba wehlise izindleko, cabanga ukuthi ukuyeka into ethile kuzokulimaza impilo yakho. Imfucuza iyaphazamisa kumphumela, kepha akufanele udele konke.

Ungonga kanjani imali yokuhlala - amathiphu ayi-8

Isiphetho asinikezi yonke insizwa indawo yokuhlala noma ifa likayisemkhulu ocebile. Emindenini esencane, ukuthenga ikhaya kuyinhloso yokuphila kuqala. Ungacabangi ukuthi kuyinto engenakwenzeka ngomndeni osemncane ukuthenga izindlu.

Izindleko zegumbi elilodwa lokuhlala eRussia zingama-ruble ayizigidi eziningana. Noma ngabe ubeka eceleni izinkulungwane ezingamashumi amabili ngenyanga, kuzofanela ulinde umzuzu owuthandayo okungenani iminyaka eyishumi nanhlanu. Lokhu kuhlinzekelwa ukuthi izindlu azinyuki ngentengo. Kukhona imali mboleko yempahla ebanjiswayo, kepha lokhu akuyona inketho.

Ake sithi umndeni uyakhula. Ngenxa yalokhu, ifulethi eliyikamelo elilodwa ngeke lanele, futhi ukunakekelwa kwengane ngeke kuvumele okuningi ukuthi kugcinwe. Ungakhohlwa ngezinkinga zezezimali nokwehla kwamandla emali okuminzile. Ngenxa yalokho, indlela yakudala yokuqongelela izimali ayisebenzi.

Angikukhuthazi ukuyeka. Uma ufuna ukuthenga ifulethi, yenza uhlelo, ubale imali engenayo nezindleko, ucabangele izindleko zezindlu nokwenza.

1. Nquma ngezindleko zekhaya lakho bese ucabanga isikhathi sokuthenga esilinganiselwayo. I-Intanethi, izikhangiso zasemgwaqweni kanye nezincwadi eziphrintiwe kuzosiza ekukhetheni izindlu.
2. Hlaziya imali engenayo nezindleko usebenzisa ikhompyutha noma ipensela nephepha. Kuyo yonke ikota, bhala ukuthi usetshenzisiwe malini futhi malini. Ngokushesha unciphise izindleko ezingadingekile kuze kube sezingeni eliphezulu, kepha ngaphandle kokudela impilo. Gcina imali esele.
3. Ngokuya ngemininingwane oyitholile, nquma isikhathi ozodinga ngaso ukonga imali. Cabanga ngokunyuka kwamanani empahla, ubunzima kanye nokwehla kwamandla emali.
4. Inqubo kamkhulu ayisebenzi. Ukuya enhlosweni yakho, sebenzisa okokusebenza kwezezimali kwanamuhla.
5. Imakethe yamasheya. Leli qembu limelwe okokusebenza kwezezimali kwesivuno esimaphakathi. Isiza ukukhulisa ukonga unyaka ngomunye wesithathu. Indlela iyingozi.
6. Umshwalense we-Endowment uyithuluzi elihlinzeka ngokuqedwa kwesivumelwano nabashuwalense bezinhlelo ezahlukahlukene. Khumbula, iqembu lisindisa ebunzimeni nokwehla kwamandla emali, kepha alinqumi inani lemali engenayo.
7. Ukutshalwa kwezimali. Ukutshalwa kwezimali ezikhwameni ezihlangene, izimali ezihlangene, izinhlelo zokutshala imali. Isivuno sifinyelela ku-100% ngonyaka. Iqembu liyingozi, angikweluleki ukuthi usebenzise la mathuluzi ngaphandle kwamakhono.
8. Ukufakwa kwemali ebhange kuphambene nesivumelwano semalimboleko. Ithuluzi lezimali elilula nelidume kakhulu. Khetha inhlangano efanelekile yasebhange ngokuthembeka okuphezulu. Beka eceleni inani elithile nyangazonke bese usebenzisa okokusebenza kwezezimali okufanele ukukhuphula. Njengoba ukhethe indlela efanele, thenga ifulethi eminyakeni embalwa.

Imiyalo yevidiyo

Uyonga kanjani imali yemoto

Ukuhamba komuntu siqu akuyona into yokunethezeka, kodwa kunesidingo. Izindleko zemoto enhle zingamakhulu ezinkulungwane. Akumangalisi ukuthi akubona bonke abantu abakwazi ukuthenga imoto enjalo.

Uma isifiso sikhona, kungenzeka ukufeza inhloso. Ngokusekelwa ngumndeni nobuciko, qhubekela phambili. Esikhathini esincane, imoto enhle izovela egalaji.

• Thatha isinqumo sokwakheka, imodeli yemoto nesikhathi ozothenga ngaso ngemuva kwalokho. Lokhu kuzokusiza ukuthi uthole inani elizolandwa.
• Thola inani ongalonga inyanga ngayinye. Yenza izibalo ezilula zezibalo ngokuhlukanisa izindleko zemoto ngenani lezinyanga.
• Hlola amakhono akho wezezimali ngendlela efanele. Ngokusho kosomnotho, imali engalondolozwa ngaphandle kobuhlungu njalo ngenyanga ingu-10-15% wemali engenayo.
• Vula i-akhawunti yasebhange. Xhumana nabaphathi benkampani lapho usebenza khona nesicelo sokudlulisela ingxenye yomholo wakho kwi-akhawunti njalo ngenyanga. Lokhu kuzosiza ukushintsha ukuqoqwa kwemali.
• Uma unemali oyongile, vula idiphozi yokugcwalisa kabusha. Ngenxa yalokhu, vikela imali ekwehleni kwamandla emali, futhi inhlangano yamabhange izonakekela ukuphepha kwezimali.
• Lapho uqoqa imali yemoto, yeka noma unciphise ekusebenziseni okukhulu. Linda kuze kube umzuzu wokhiye ngokuthenga okukhulu nokuhambela phesheya. Ungaba nokuphumula okuhle ehlobo eRussia.
• Chaza uhlu lwezindleko ezidingekayo. Lokhu kuzosiza ukukhomba izindleko ezingancishiswa. Sikhuluma ngezokungcebeleka nokuhambela izindawo zokuzijabulisa. Hamba ngezinyawo uye emsebenzini uma ihhovisi liseduze.

Ngokulalela izincomo, uzofinyelela inhloso yakho ngokushesha okukhulu futhi ngaphandle kokulahlekelwa. Uma singekho isikhuthazo esengeziwe esanele, cabanga ngengqondo ukuthi yimaphi amathuba ozowathola ngemuva kokuthenga imoto. Imicabango enjalo izokhula.

Uma ungafuni ukuqoqa imali yemoto iminyaka, sebenzisa imali mboleko yemoto. Ngakho-ke cishe ngaso leso sikhathi uzoba umnikazi wehhashi lensimbi. Kulesi simo kuphela, izincomo ezinikezwe azisebenzi.

Ungayongi kanjani imali

Ulwazi olutholwe ku-athikili lwanele ukuba ngumpetha ekuqongeleleni imali. Kodwa-ke, kuyasiza ukuzijwayeza nokwaziswa ngezindlela ezingezinhle zokuqongelela.

1. Ungebi ngaphansi kwanoma iziphi izimo. Ukuhlala endaweni engekude kangako ngeke kuholele kunoma yini enhle, kepha kuzomosha impilo yakho kuphela.
2. Ukuzama ukonga imali ngokushesha, ungabi ngumkhohlisi, ngoba imisebenzi enjalo inesijeziso. Futhi akuzona zonke izisulu ezizama ukuziphindiselela ngosizo lomthetho, zikhetha ubudlova obungokomzimba, obungenakuletha izinzuzo zezempilo.
3. Ezinye izingcweti zicwiliswe ngokujulile emaphusheni kangangokuthi zikulungele ukuma ngesandla eseluliwe ukufeza inhloso.
4. Ungathengisi ngezitho zomzimba. Zizoba wusizo kuwe. Umuntu angaphila ngenso eyodwa, kepha lokhu akuyona impilo, futhi nemali etholakele isazohlala ekhemisi.
5. Isikweletu nesikweletu akusona isisombululo esihle kakhulu. Noma iyiphi yalezi zindlela izokuvumela ukuthi uthathe okwomunye umuntu okwesikhashana, kepha ngokuzayo kuzofanele uhlukane nokuthile okungokwakho unomphela, wengeze inzalo emalimboleko.
6. I-Inthanethi igcwele izincwadi ezichaza ubuchwepheshe bokuzuza ingcebo. Imibhalo enjalo isiza umbhali kuphela ukuthi acebe.
7. Ngaphandle kolwazi nesipiliyoni, ungazami ngokuhwebelana kwamasheya.
8. Gwema ukugembula. Ingqikithi yebhizinisi lokugembula ukuthi ikhasino izohlala iwina njalo.

Ngakho-ke i-athikili yaphela, lapho ngethula khona amathiphu wokonga imali ngokushesha. Noma ingekho imali ebekiwe, bazosiza ukulungisa isimo. Khumbula, kube nezimo emhlabeni lapho umuntu osuka ebuphofini enyukela ezingeni eliphakeme ngaphandle kokuba namakhono azalwa nawo namakhono afihlekile. Wayefuna nje ukuphila ngokwehlukile.

Umuntu oyedwa, owayengenandawo yokuhlala, wayehlala emotweni yangasese. Ukufudumala iphupho ngaphansi kwenhliziyo yakhe nokuya emgomweni, wanqoba ubunzima, wazuza imiphumela futhi wabhala kabusha impilo. Ngiyethemba nawe uzokufeza lokhu.

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