Imikhwa eyi-9 eya kukunceda uphumelele ngemali

Okokuqala, kufuneka uqonde ngokucacileyo ukuba umkhwa wezemali kunye nomkhwa wezimali. Umkhwa wemali ngumntu womntu kwimali yakhe. Nsuku zonke sinquma - ukuchitha okanye ukugcina. Ngako oko, umkhwa wezimali olungileyo ngumkhwa okunceda ukuba uzalise i-akhawunti yakho yasebhanki nyanga zonke.

"Hlwaba isinyathelo - vuna umkhwa, hlwayela umkhwa - uvuna umlingisi, uhlwayela umlingisi - uvuna i-endle" -kude abantu basebenziselwa ukuthetha. Musa ukucinga ukuba eli lizwi lisebenza kuphela kwimigaqo yokuziphatha okanye kwifom yakho yomzimba. Emva koko, ukuba umntu akakwazi ukwenza iimpawu ezifanelekileyo zemali, akayi kuze aphile kwimpumelelo, nangona umvuzo wakhe ungaphezu kwama-100,000.

Njengoko kubonakala, ukuphucula imichimo emihle yezemali ayiyinto enzima, kodwa into yokuqala okumele uyiyenze ukuvuma ukuba unemikhwa emibi yezemali. Ezi ziquka imigaqo elandelayo:

• ukungakwazi ukulawula imali engenayo kunye neendleko
• Ukuthengwa kwexesha elifutshane (ezininzi zazo azifuneki ngokupheleleyo)
• mboleko mboleko
• ukulibazisa ukuhlawulwa kweebhilikhwe kude kube ngumhla wokugqibela.

Le yimiba eyona mqobo. Kule ndlela ilandelayo iindaba ezi-2 - ezilungileyo nezimbi. Okubi - ubude ube nako ukuhlala ube ngumntu ozimele ngokwezimali, ukuba ngaba abazali bangakufaka imilinganiselo efanelekileyo yemali. Okulungileyo-wena uyinkosi yesiphelo sakho, ngoko ukhululekile ukutshintsha iimpawu zakho xa ufuna.

Ngoku kungcono ukuqonda into efanelekileyo yemali.

1. Ukugcina ingxelo yezemali. Ukwaziswa okucacileyo malunga nokuba uninzi kangakanani, ucinga yonke imithombo (umvuzo, ibhonasi, ibhonasi, i-bonus, i-hackwork,% kwidiphozithi, njl.) Kunye nokuba ungakanani uchithe ngokuchanekileyo (imali-mboleko, iintlawulo zeenkonzo, ukutya, ukuzonwabisa, njl). Ukwenza i-akhawunti enjalo, awudingi iiprogram ezibiza okanye ezinye izakhono ezizodwa, kuphela umnqweno wokuthatha ubomi bakho phantsi kolawulo lwemali kunye nephepha eliqhelekileyo kunye neepeni lokubhala. Umzekelo olula:

Uluhlu lweendleko zenyanga

umvuzo omyinge wama-20,000 ngexesha langoku (ngaphambi kokuncinane)

Ukuba wenza konke okulungileyo, koko kukhokho nganye uya kuba nemali yokongezwa okongeziweyo.

2. Umnqweno wokufunda izinto ezintsha , kodwa ungafundanga nje ngenxa yokufunda, kodwa ufunde ngokuchanekileyo oko kuza kukunceda ube ngumntu ozimeleyo ngokwezezimali. (Umntu ozimeleyo ngokwezemali uthathwa njengomntu onokuphila ubuncinci bonyaka ekugcinweni kwakhe xa ekhishwe ngaphandle kokuguqula indlela yakhe yobomi, ngoko ukuba uchitha ubuncinane i-30,000 ngenyanga, i-akhawunti yakho kufuneka ibe neyona engaphantsi kwe-30,000 * 6 = 180,000.) Oku kunokuba yinto entsha njengophando olongezelelweyo, kunye nophuhliso lwezakhono zomsebenzi wakho wangoku, oya kunceda ukwandisa umvuzo wakho. Qinisekisa ukuba unike ubuncinane ubuncinane i-5% yengeniso yakho kule njongo. Mhlawumbi ufuna ezinye iincwadi okanye iikhosi onokuzihlawula nangona iinyanga ezimbalwa zokulondoloza.

3. Ikhono lokuposa kwi-akhawunti yebhanki nayiphi na imali (ngokuqhelekileyo i-10-15%) yengeniso yakho. Kungcono ukwenza njalo ngosuku lomvuzo, ngoko kuya kubonakala. Kungcono ukufaka i-auto-transfer kwenye i-akhawunti eyongezelelweyo, apho ungakwazi ukurhoxisa imali ngokulula.

4. Ukuhlawula zonke iibill zesevisi , ukuba kungekhona ngokukhawuleza, emva kokufumana umvuzo. Kungcono ukwenza oku kusuka ekhadini ngosuku lomvuzo okanye usethe iintlawulo ze-auto kwiakhawunti yakho yekhadi. Emva koko kuya kuba lula kuwe ukuqonda ukuba ungakanani imali onokuyichitha ngokukhululekile.

5. Ikhono lokuba ungenzi ukuthenga okungafunekiyo , ngokusekelwe kwintengiso ye-TV okanye ukubhaliswa kweSALE (isaphulelo sokuthengiswa) esitolo. Kungcono ukulinda iintsuku ezili-10 ukuya kwi-30. Ngamanye amaxesha ngokwaneleyo nokuba ngu-2, ukuqonda ukuba ukuthenga into ongayifuni ngokwenene. Kodwa ukuba inyanga kamva usayikhumbula le ngongoma, ngoko, mhlawumbi, uyakudinga ngempela.

6. Ikhono lokwenza ukuthenga njengoko kwenziwa ngabantu abacebileyo, i. ixesha le nevovremya. Ngokuqinisekileyo uyazi ukuba yiziphi izinto ezisendlini okanye ikhabethe oyifunayo. Kwaye kungcono ukuba ne uluhlu lwezinto ofuna ukuzalisa okanye unyaka ozayo. Umzekelo, uyazi ukuba iibhotile zakho zasebusika azibukeka zihle kakhulu, ngoko kufuneka ucinge ukuba ekupheleni kwebusika uza kubona izinto ezimbalwa zokuthengisa kwaye mhlawumbi uthabathe into eyinyani. Ukongezelela, kuya kubiza amaxesha amathathu angabizi.

7. Ikhono lokuchitha imali ekuthengeni okungakumbi (iTV, umatshini wokuhlamba, i-dishwasher, njl.), Kwaye ungathathi umboleko wekhredithi, ipesenteji ezingenakuze uqiniseke ukuba uzixelele kwivenkile.

8. Ikhono lokuqwalasela inani levenkile xa uthengela. Okokuqala, awukwazi ukulinganisa kuphela, kodwa uxoke ngokuzinikela. Unganqikazi ukukhipha i-calculator okanye ungenayo ifowuni xa ungeqine kakhulu kwimathematika. Abathengisi abaninzi banamaxabiso, sele sele bezama ukukubala ngokuchanekileyo, ukuze kungabikho nzwisiso ecaleni kweso-counter. Kutheni bafuna ukutsala ingqalelo kwiimarike, kuba baya kufumana "inzuzo" kumnye umntu. Kwaye kuya kufuneka ukuba ubale ukuba ngaba yiphakheji enkulu (i-powder, i-toothpaste, i-candy, njl njl njl.) Iya kuhlawula ixabiso elincinci.) Ngamanye amaxesha kunengqiqo ukuthenga kwinyanga enye ipakethe enkulu yokuhlamba umbala, kwaye uzuze i-white, kwaye Inyanga ezayo kusekho into ephakamileyo kwiphotile. Akubizi kakhulu kwaye ncedisa ukugcina i-10-15% yeendleko zendlu. Kule nto, sebenzisa kuphela imali kwi-balance balance ukuze ugcine.

9. Ixesha elitsha lokuzilibazisa , elingenakunxulumene nokungqubuzana nokungabonakaliyo kwiintengiso. Mhlawumbi udibanisa okanye uhlobhile. Emva koko, ukuba ufunda ukwenza into ethile yangaphambili, ingaba yindleko yokuthenga izinto ezifanayo kwisitoreji, kunye nemali eyongezelelweyo, eyakukukholisa. Khawucinge ukuba ngabazali okanye abantwana banomotheka njani ukuba, ngaba umzekelo, ubanike i-sofa yomkhumbi oye wakwenza umzobo (le yinto ekhethekileyo) okanye ibhande lokuqala, isikhala, isikhwama esingabikho mntu.