Ngamnye kuni uyazibuza ukuba ungayisebenzisa njani yonke umvuzo wakho kwenye ingubo, uze udle enye ibhakheheat kude kube yilapho uhlawula ngokuzayo. Kwaye awukwazi ukuqonda isizathu sokuba uhlale uchitha imali kwi-hardware yekhomputha, nakwiindawo ezintsha. Kulula ukuba ibhinqa lizinqunywe ekudleni, liyakudla kuphela i-porridges, kwaye ngexesha elifanayo liya kuba nemimoya emihle, kwaye le nto iya kuhlala kakuhle kwaye ngenxa yeso sibalo, kuba unamandla okuziqeqesha ngokutya rhoqo. Kodwa indoda enokuzidla ekudleni kunzima ukulahla, kwaye ngaphandle kwenyama ayinakuyenza.
Kufuneka kubekho ukulungelelanisa, kuba loo mgaqo-nkqubo wezezimali ongafundileyo ungabangela ukuba kudideke kunye neentlekele. Wonke umntu, xa eqala ukuhlala kunye kunye, uzama ukuchitha ixesha elincinci, ebala ukuba kukho kakade iifowuni ezimbini kwintsapho, kodwa iindleko zanda ngakumbi.
Ngokwezibalo, abafazi bachitha imali kwiingubo, iziqholo, iziqholo, bachitha imali kwizipho kwiintsapho kunye nabahlobo, kwizinto zokuzonwabisa, kwizinto zokudala ikhaya elihle. Amadoda akasoze aphika ngokwabo ukutya okumnandi kwaye atyala imali kwizinto zokuzilibazisa.
Ukuthintela le ngxaki ukuba ingabi yimpikiswano kunye nokuhlambalaza, kubalulekile ukuxoxa ngohlahlo lwabiwo-mali. Kumele kubhalwe ephepheni, njengoko wonke umntu ebona ukuhanjiswa kweenkcitho kunye nengeniso. Khangela oko ungakugcina, intwana nganye ixabisa ngokucacileyo kwizinto. Mhlawumbi, wakho umthandayo akazi ukuba yintoni imali ehambayo kumatshini kunye nokuhlamba impahla.
Ngokomzekelo, thabatha ukutya nawe ukuba usebenze, kubaluleke kakhulu kwaye kuyabancinci.
Thenga izinto ngexesha lezaphulelo zonyaka, kwintengiso. Yenza uluhlu kwangaphambili ukuze ungathengi ngaphezulu. Ngaphandle koko akuyi kubakho imali, kwaye uya kuchitha imali eninzi. Emva koko, ebuyela ekhaya, evumela ukuba ujonge ngokubanzi, uya kuqwalasela iqela lezinto ezingadingekile. Yizisa isiqhelo semali nawe, kodwa kunoko thabatha intombi yakho okanye indoda yakho. Ukuze ungathenge owokuqala, unike izipho kwizihlobo kunye nabahlobo kwangaphambili.
Nika imali mboleko ukuba awufuni ukuhlawula imali. Unako ukugcina imali yokuthenga, kwaye emva kwexesha elithile, ungalondoloza imali efunekayo, kwaye ibhanki ayiyihlawulanga ngefom ye-interest.
Ukuba ufuna ukuthenga into ecacileyo ngaphaya kweendlela zakho, cinga malunga noko kufuneka ugcine. Ukuba umyeni ugxininisa ekuthengeni okubizayo, ke makhe alungiselele isidlo esincinci. Zama kanye ngeveki ukuthenga iimpahla zendlu kunye nokutya kwiimarike ezithengiswayo, gcina uye kwivenkile into efunekayo.
Xa uceba uhlahlo lwabiwo-mali, akudingeki ukuba uphile kwisikwereti, kuya kuba ngcono ukugcina ngaphandle kokubolekela kubaqhelana nabo. Ukuze uphumelele, oku akuthethi ukuba kufuneka uzinqabile kuyo yonke into. Imali kufuneka ithathwe xa kuthengiswa imali. Akunangqiqo ukuthenga izixhobo zendlu, izambatho zoboya kunye nemigangatho. Izibonelelo zisetyenziswe ngabo bantu abangenako ukugcina imali kwizinto eziyimfuneko. Kwaye abanako ukukusindisa, kuba bahlala kwiityala bonke ubomi babo. Ngenxa yoko isigqibo - kufuneka uphephe ityala.
Ebhankini, yenza idiphozi engxamisekileyo. Ubungqali beli khawunti kukuba imali ihoxiswa ngexesha elithile, umzekelo, amaxesha amabini ngonyaka. Ngaba ulahlekelwa ngumdla wakho, kwaye oku malunga ne-10% ngonyaka. Umnikelo onjalo unokuzaliswa nanini na.
Ukubala ngokukhawuleza ngeniso yentsapho kwaye malunga nokuchonga izinto eziyimali. Ngokomzekelo, inxalenye yeendleko ziya kufikelela kwiimfuno zekhaya - kwiintlawulo zomsebenzi, inxalenye - iya ku-akhawunti ekhawulezayo, ngokutya, ukuthengwa kwendlu kwindlu, i-petroli, izinto zokubhala. Umvuzo welungu leyesibini lentsapho linokuvunyelwa ukuthenga izixhobo, iimpahla, ukuzonwabisa (izipho ezizalamane, iifilimu, uhambo oluya kuma-coffee) kunye neendleko ze-pocket. Ukuqwalasela iifizi zangempela, izibalo zingalungiswa.
Ukuba awukwazi ukuqokelela imali, ngokulandelayo landela icebo. Ukuba ugqiba ukuba isiqingatha somvuzo kufuneka sibekwe kwi-akhawunti, musa ukuziphazamisa.
Ukuba usenayo imali eyaneleyo, kwaye imivuzo yakho emibili isixa semali ngokuqhelekileyo ebomini, ngoko iimfuno zentsapho yakho azihambisani namathuba akho. Ukunciphisa ukutya kwakho. Ayifanele ukungena kwibhalansi engalunganga yohlahlo lwabiwo-mali. Kwaye oku kufuneka kube: ukufumaneka kweemali kwi-akhawunti yebhanki, akukho matyala, ngomhla wokuhlawula kufuneka kubekho imali encinci yeendleko zangoku. Ngemvume yomtshato womntu womtshato, nganye intengo enkulu kunye neyona mincinci kufuneka yenziwe. Ngamanye amaxesha umyeni okanye umfazi uchitha isigxina sabo sesibini ukuchitha imali eninzi. Zibuze, ufuna le nto, kwaye uqokelele, ucinge, awukwazi ukuthenga udoti olungadingekanga uze ulondoloze imali kwintsapho.
Ngaba kuhlale kuyimfuneko ukugcina imali?
Ewe, ukulondoloza kuhle, kodwa xa ufuna ukuyigcina, kwaye kwenzeka ukuba ukugcina kuyinto encinci kangangokuthi iphosa ubomi bakho.
Umzekelo, wahlala emva komhlobo. Indlu yeqabane elikufutshane nelokuyeka, akukho sithuthi, kufuneka uhambe kwenye indawo ekupheleni kwesi sixeko. Unqume ukugcina imali kwaye ungathathi iteksi. Emva kokuma iyure kwindawo yokuma, kunye nokuqhwala, kufuneka uhambe uye ekhaya. Uziqhenyce ngokwakho ukuba ulondoloze imali. Kodwa kusasa ubona ukuba kukho yonke imiqondiso ebanda, kwaye ukuze ungathathi ikhefu lokugula, ufumana amayeza, ukuba isixa esithatha kabini ukuhlawulwa kweeteksi. Isiphumo - awukwazi ukulala ngokwaneleyo kwaye phantse wagula.
Olunye ulondolozo. Uhlala ebumnyameni, ufuna ukugcina, kuba umbane ubiza imali. Ngexesha elimnyama ebusika nasekwindla umzimba wethu ubona ukungabikho kokukhanya. Ngokutsho kweengcali zengqondo, ukukhanya kufuneka kufakwe phakathi kweli xesha. Ukuba uhlala kwindawo ephosakeleyo ebumnyameni, kuya kukhokelela ekudakaleni kwexesha, kunye nemali eninzi iza kusetyenziswa kunyango lwesi sifo. Ugesi kufuneka ugcinwe, kodwa akuthethi ukuba kufuneka uhlale ebumnyameni ngelixa ukwanele ukucima ukukhanya, akudingeki ukuba ushiye i-TV. Emva koko, abaninzi abantu bashiya i-TV yonke imini, nangona kungekho mntu uyayibheka.
Ngoku siyazi indlela yokucwangcisa uhlahlo lwabiwo-mali ngokufanelekileyo. Wonke umntu kufuneka abe nemali yosuku lwemvula, le ngxowa-mali enjalo. Ubuncinane kanye ngonyaka okanye ngexesha elide kufuneka uhlalutye indleko. Mhlawumbi unezinto ezifana neendleko ongenakuzenza ngaphandle, okanye kufuneka uzincitshe. Kule meko, akudingeki ukuba atyalale izihlobo zakhe kwisonka kunye namanzi. Kwaye oku kuyimfuneko ukuba ukwazi ukuba kwenzekani ngemali yakho. Mhlawumbi ingeniso yakho ayaneleyo, kuba loo nto uthengile ukuyithenga. Ukuba uphatha ngokuchanekileyo ukucwangciswa kohlahlo lwabiwo-mali, ngoko unokuhlala ngaphandle kwamatyala, kwaye ukugcina okuncinci kunokukunceda ukuba uhlele uhlahlo lwabiwo-mali lwakho.