Ungayisebenzisa kanjani imali ngokuhlakanipha futhi ufunde ukonga - izibonelo nezeluleko
Sawubona, ngitshele ukuthi ngenzeni uma umholo wami uphansi futhi ngihlala ngingenayo imali eyanele. Noma yini engiyenzayo, ngihlala ngikweleta njalo. Kakade, inani lemali engenayo likwazile ukukhulisa inzalo ngama-20% onyakeni owedlule, kepha kusamele uboleke kubangani nosebenza nabo. Yini okufanele uyenze kuleli cala, ukuthi ungaqala kanjani ukusebenzisa imali ngokuhlakanipha? Noma kufanele ngiqale ukonga? Bengingacabangi ukuthi kuzofanele ngenze lokhu ((((
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
U-Alexander, oneminyaka engu-29 ubudala, uKrasnoyarsk
Akulula kubantu abahola kancane ukuziphilisa njalo ngenyanga, ngakho-ke akumangazi ukuthi abacabangi ngisho nokonga.
Kodwa-ke, uma kungenakushintshwa lutho, akunakwenzeka ukuthuthukisa lesi simo. Kuyafaneleka ukuqala ukonga imali ukuze ugweme izindleko ezingadingekile futhi ushintshe isimo ngokuzayo.
1. Ukonga kuzokusiza kanjani ukusebenzisa imali encane 💸
Impilo igcwele izehlakalo ezahlukahlukene ezingalindelekile, ezinye zazo ezidinga izindleko ezingezekile, ezingahlelwanga. Lapho bebhekene nabantu abahola kancane, baphoqeleka ukuboleka. Kuhle uma izihlobo eziseduze zikulungele ukuboleka imali edingekayo, kepha iningi labantu lifaka izicelo zokubolekwa ebhange.
📌 Sikweluleka ukuthi ufunde i-athikili - "Uboleka kanjani futhi kuphi imali ngokuphuthumayo ngaphandle kokubheka umlando wesikweletu ekhadini" kanye nezinto "Ungaboleka kanjani imali kumuntu wangasese oyitholile"
Inzalo yemalimboleko iholela ezindlekweni ezingezekile, ithwalise kanzima isabelomali, esibuye sinciphise amathuba ezimali. Sikhokha inzalo iminyaka singazi nokuthi empeleni sikhokha malini.
Yebo, kunzima ukonga ngeholo eliphansi, kepha kufanelekile ukuqala manje, kungekudala uzobona imiphumela emihle. Umcamelo wezezimali owudalile uzokusiza uboleke kancane futhi ungasebenzisi imali wenzalo.
2. Uyisebenzisa kanjani imali ngokuhlakanipha futhi uqale ukonga 💳
Impela, thola okuningi Ingabe yisixazululo esihle kunazo zonke, kepha kuthatha isikhathi. Udinga ukusebenza njalo emsebenzini uma uzibekele umgomo ocacile wokunqoba ubunzima bezezimali. Ungafunda ngokuthi ungayenza kanjani imali lapha.
Ungaqala ukonga khona manjalo uma wenza umthetho wokuthi ngaso sonke isikhathi ugcine imali ethile emholweni ngamunye, noma ngabe incane kakhulu.
Mhlawumbe wonke umuntu omdala angonga okungenani Ama-ruble ayi-5000 ngenyanga... Ezinyangeni eziyisithupha uzokonga Ama-ruble angama-30,000, okuzokuvumela ukuthi ungathathi ama-microloans abizayo ekhadini ngaphambi komholo, lapho, ngokwesibonelo, udinga ukuthenga imithi noma ushiye ngokuphuthumayo. Ngaphandle kwalokho, ungabasebenzisela ukuthenga noma ukuzijabulisa.
Ukonga imali kalula, khetha inhloso ethile ozokongela imali ngayo. Kungaba yifulethi noma uhambo lweholide. into esemqoka - umvuzo wemizamo yakho kufanele ufinyeleleke futhi ungabi kude kakhulu ngesikhathi. Njengesibonelo semali etholwayo neyonga, funda le ndatshana, echaza ngokuningiliziwe indlela yokonga nokwenza imali yendlu.
I-akhawunti yokonga ebhange ingakusiza ukuthi umelane nesilingo sokusebenzisa imali. Ukufakwa kwesikhashana esifushane ku- 3-6 izinyanga okulula kakhulu, uma kufiswa, kunganwetshwa isikhathi eside. Funda mayelana nokuthi yimaphi amadiphozi nokuthi yiziphi izinhlobo zamadiphozithi asebhange akule ndatshana.
Amabhange ahlinzeka ngezimo eziguquguqukayo zamadiphozithi, imali igcinwa ngokuhlukile kwi-akhawunti yekhadi, kepha ihlala itholakala nganoma yisiphi isikhathi.
💡 Iseluleko: khetha ibhange eliyilungu lesikhwama somshuwalense wokufaka imali. Okwamanje, i-DIA (i-Deposit Insurance Agency) iqinisekisa ukubuyiselwa kwemali Amarandi ayizigidi eziyi-1,4.
Kuyalulekwa futhi ukuthi ukhethe ibhange ngokuhlanganyela kombuso.
Hlaziya izindleko zakho bese wenza isabelomali esicacile senyanga. Kufanele wazi, kudingeka malini ukuhlangabezana nezidingo eziphansi:
- ukukhokhelwa kwezindlu nezinsiza;
- ukudla okunomsoco;
- imali yokugibela;
- ukuzijabulisa.
Inyanga yokuqala ngeke ibe lula, kepha ngenhloso ecacile ephambi kwakho, uzoyifeza.
3. Uyisebenzisa kanjani imali encane 📉
Ngokumangazayo, ungahlala njalo wonga imali, noma ngabe iholo lakho lincane. Eqinisweni, akudingeki kangako ukuqinisekisa impilo elula yomuntu. Simane sizijwayeze izinga elithile lokunethezeka, sililwele futhi asikwazi ukwenqaba izinto ezingadingekile.
Nazi izibonelo zezindleko ezingadingekile:
- Isibani sikhanya ubusuku nemini;
- Ukushisa kwangaphakathi ngenhla kwe-18 degrees (ngisho nasebusuku);
- Izembatho zichichima ngezinto;
- Ukudla okungahambi kahle esiqandisini;
- Ukudla neziphuzo okungenanzuzo yokudla okunempilo (amaswidi, ukhukhamba, amachips ahlukahlukene, iziphuzo ezinoshukela nezamandla, utshwala, ama-flavour);
- Uhambo olwengeziwe kwezokuthutha zomphakathi;
- Ijimi esikhundleni sokuzivocavoca okulula ekhaya;
- Impelasonto ku-nightclub;
- Ukushayela uzungeze idolobha;
- Ukuya ebhayisikobho esikhundleni sokubuka ibhayisikobho ekhaya.
Eqinisweni, kunganikezwa izibonelo eziningi, asikudingi ukuyeka induduzo. phakade... Lokhu kufanele ukwenze uma ufuna ukuguqula isimo sakho sezezimali sibe ngcono ngokuzayo.
IntIcebo: Beka umkhawulo ezinkokhelweni zekhadi lakho lesikweletu futhi uphathe imali engakanani ongayisebenzisa.
Thenga ngamaphromoshini, sebenzisa amakhadi ngokubuyisa imali.
4. Yini enye ongonga ngayo imali ku-📄
- Izinsiza - gqoka okufudumele ebusika ukunciphisa izinga lokushisa emagcekeni, vala amawindi, ungavuli iminyango kaningi, thola amanani ashibhile wokuxhumana kweselula.
- Ukudla - ungathengi ukudla okungenamsoco, vakashela izinqolobane zokugcina ukudla, uthenge ushukela, okusanhlamvu, uwoyela kanye ngenyanga noma ezinyangeni eziyisithupha. Iya kumaketanga ezitolo zesaphulelo, kuvame ukuba nezaphulelo.
- okokwembatha- Thenga izingubo ngesikhathi sezaphulelo zonyaka. Ungajahi imikhiqizo yemfashini, abanye abakhiqizi abasha banikela ngekhwalithi efanayo.
- Uhambo lwezokuthutha - ungahlala uhamba izitobhi ezimbalwa uma unesikhathi. Izongena esikhundleni sokuhamba kwakho, ishise amakhalori athe xaxa futhi yonge imali.
- Ukuphumula- ukuphumula kahle, awudingi ukuchitha isikhathi endaweni yokudlela ebizayo futhi uphuze. Ukuhamba ngebhayisikili noma ukushushuluza ebusika kuzoba lusizo kakhulu.
5. Ungazilawula kanjani izindleko 🔔
Ukuze ulawule imali yakho ngempumelelo, gcina umkhondo wayo. Ukuze wenze lokhu, kulula ukusebenzisa uhlelo olukhethekile noma ipuleti elijwayelekile le-excel. Kuyinto elula ukufaka konke okuyinhloko imali engenayo futhi izindlekoukuthatha isitokwe ekupheleni kwenyanga bese ubona isithombe esikhulu sesabelomali sakho.
Isisho esidumile esithi "Imali iyakuthanda ukubala" sichaza kahle uhlobo lwemali. Akukho okubi kakhulu kwisabelomali esincane kunokuthi izindleko ezingalawulwa.
Ukuze uthuthukise isimo ngezimali zakho, funda yakha kahle, ukuhlela futhi lawula isabelomali sakho.
Ekuphetheni, sincoma nokuthi ubhalisele esiteshini mayelana nokufunda ngezimali nokubuka amavidiyo mayelana nokonga nokonga imali:
Ithimba le-Ideas for Life linethemba lokuthi lizokwazi ukuphendula umbuzo wakho. Uma usenemibuzo, babuze kumazwana angezansi. Kuze kube ngokuzayo emakhasini kamagazini wethu!