Akukhona ukuba asizange sifunde indlela yokufumana imali. Abasetyhini baxhomekeke kwiimpawu zokudala zokuziphatha, ngoko ke ingxaki yezemali ihlala kwintsimi yengqondo.
Iimpazamo zemali zabasetyhini
1. Yonke imicimbi yezemali oyishintsha kumntu
Ukususela ebuntwaneni, sitsho ukuba indoda iyindoda, kwaye umfazi ungumpheki, umgcini wendlu, umfazi onothando nomnene ovelisa abantwana. Nasi umzekelo oqhelekileyo: umfazi ubeletha umntwana, uhlala kwisimiselo seminyaka emithathu, uzala umntwana wesibini, omnye udlule iminyaka emithathu, kwaye ngenxa yoko, iminyaka engama-6 ibhinqa lalahlekelwa liqinisekiso njengengcali. Yaye intsapho yakhe yayihlala ebudeni obubanzi, inento yonke ngekhredithi, ithatha imali yokubolekwa kwendlu, umboleki womboleki wokulungisa, imboleko emotweni emibini. Kodwa kuvela ukuba umnikazi omtsha ufumana inkampani yomyeni wakhe, imivuzo incitshiswa ngesiqingatha, kwaye umfazi akakwazi ukufumana umsebenzi emva kwekhefu leminyaka elixhenxe. Kwaye ukuba ngaba umfazi wayefunda ngokwezimali, akayi kuvumela oku, wayeza kufundiswa, kungekhona ukuba alahlekelwe yimfundo yakhe, aya kudala "ukugcina" ngexesha elizayo, phambi kwexesha elimisiweyo lokuhlawulwa kwemali-mboleko, kuba wayesazi ukuba unomthombo omnye wemali engenayo, kwaye kusemngciphekweni.
2. Ayikwazi ukugqiba iinjongo
Ukuba ubuza umntu ukuba bunjani ubutyebi okanye impilo-ntle, bonke abantu baya kuphendula lo mbuzo ngendlela yabo. Eyona nto ifanelekileyo iya kufumaneka, ukuba ngubani omele alwele, oku kuya kuba yinyathelo lokuqala lokuzimela ngokwezimali.
3. Musa ukuthemba intuition yakho
Ukufezekisa iinjongo, ibhinqa limele lithembele intuition yakhe, iphuculwe ngcono kunamadoda. Udinga ukufunda ukuphulaphula kwaye uya kukuxelela ukuba wenzeni. Ungesabi ukungafuni xa ufunwa ukuboleka kumvuzo, ngoko kamva ekupheleni kwenyanga awuyi kuba nesandla eseluliweyo.
4. Ulibala malunga nempilo yakho kunye nawe
Le yiphutha elikhulu, kufuneka uhambe ugqirha ngexesha, uye kwindawo yokuzivocavoca, uye eholidini, fumana ixesha lokuzonwabisa. Zithathele umgaqo ngawo wonke umvuzo ukugcina umhlalaphantsi, uqinisekise impilo yakho.
Nanku umzekelo wobomi. Ibhinqa elineminyaka engama-45 yedwa livelisa intombi eneminyaka eli-10 ubudala. Ukusebenza kwinkonzo karhulumente iminyaka eyi-15, umsebenzi olungileyo kunye ozinzile. Kodwa ngenxa yokugqithiswa rhoqo emsebenzini, impilo yakhe iyahlabalala, kuba ngelo xesha kwakungekho ixesha lokuya kudokotela, de kubekho ukuhlaselwa kwentliziyo. Ikhefu elide lokugula, ipenny ukuze ufumane imali yobomi, kwafuneka ukutshintshisa indlu yokuhlala kwindlu encinane, kwafuneka ukuthengisa imoto. Ukuba le ntokazi yayineendleko ezingalindelekanga kunye ne-inserve fund kunye ne-inshorensi yomshuwalense, ngoko unokuziphepha.
5. Awunalo ukonga kwakho
Abasetyhini banomnye ogqithiseleyo - banenkxalabo malunga nomntu wonke, kodwa kungekhona ngabo. Kufuneka ube ne-stash efunekayo, le yindleko zakho zenyanga, zandiswe ngamathathu, oku kuyimfuneko engundoqo. Ukuba intsapho yakho isebenzisa ii-ruble ezingama-50 000 ngenyanga, ngoko-stash, ubuncinane kufuneka ibe ngama-ruble ayi-150,000. Awudingi ukugcina imali yakho ekhaya, kuba unzima ukuchitha, kwaye kufuneka uyigcine ebhankini kwidizithi yokubuyisela, ukwenzela ukuba unganqumla imali ngaphandle kokulahlekelwa ngumdla.
Umfazi ngamnye, ukuze angahlali kwisiqhekeza esiqhekekileyo (umtshato ungatshatyalaliswa, abantwana baya kukhula), kufuneka babe ne-accumulation yayo kwiminyaka engama-60, ukuze ikwazi ukuhlala kwindawo efanelekileyo kwaye ayixhomekeke kwilizwe, kwaye kungabikho mntu. Kodwa kaninzi kukho a majazana anjalo, ekudala, anike imali yabo kubantwana abadala kunye nabazukulu, ngelixa bengenayo imali yabo.
6. Ukwenza iimoya kunye nokukhupha isisindo kukuthenga izinto ezinomdla
Ngokuqhelekileyo, abafazi, besenza ukuthenga, baya kumda wekhredithi. Ngaphambi kokuba uye esitolo, yenza uluhlu lwezinto zokuthenga, musa ukukhawuleza ukuba uyingxenye nemali ukuba intengo yokuthenga ingaphezulu kwama-$ 100. Cinga ukuba uyayidinga okanye cha. Ngaphambi kweeholide, misela imali yeendleko ezincinci okanye ibhajethi esondeleyo kwaye ungaphumi kuyo.
Imithetho yemali yowesifazane oyingqondi
- Yenza iinjongo ngaphambi komhlalaphantsi. Zifanele ziqondwe ngokwemali kunye nexesha.
- Kwiindleko ezingalindelekanga, yenza i-fund, isixa sifanele silingane neendleko zenyanga, eziphindwe ngo-3.
- Musa ukusebenzisa imali ngaphezu kokuba unayo imali. Ngaphambi kokuba uqalise umbolekisi, cacisa ukuhlawulwa ngaphezulu. Ngaba ulungele ukunika ibhanki imali ephindwe kabini njengoko uthathe?
- Jonga iindleko kunye neengeniso, fumana inkqubo yekhompyutheni yohlolo lwezimali.
- Faka isicelo se-inshorensi ukukhusela kwimingcipheko engundoqo - impilo, ubomi, inshuwalense yepropati. Ukuze uzikhusele kwiindleko ezinkulu, misela umda wokuchitha imali onokuyichitha emini.