Uzuza kakhulu, kodwa unganakho imali? Ubizwa ngokuba ngu "spender", kwaye uziva ukuba oku kunjalo? Konke kulungiswe! Siza kukuxelela indlela yokufunda indlela yokugcina imali kumfazi wesimanje. Ewe, ngokwenene, ezi ndlela zifanele amadoda ...
Kwindoda, ngokucwangciswa kweSebe lezeMali zikaRhulumente kwiSikolo seYunivesithi yase-State-Higher School of Economics, ukugcina imali kunesilinganiso sesithathu kwisigaba sabafazi. Oku akusiyo kuphela umphumo wokohluko kwimirholo kunye nokukwazi kwethu ukuchitha imali efunyenwe kwinyanga enye ngosuku. Iingcali zengqondo zithi ukuqokelela ngokuqhelekileyo kubonakala kunabantu abaninzi, kuba bafundiswa ukususela ebuntwaneni ukuba kuya kufuneka baxhase intsapho kwikamva. Ngelixa iintombazana zihlala zixoxa ngezibonelelo zomtshato ngokubala. Kodwa kungcono ukutshata ngothando, kodwa ukwenza imali ngezinye iindlela.
YIBA INJONGO.
Ukugcina imali kulunge into ethile yekhonkrithi, ngokuqinisekileyo ukuba uhambe kwiinjongo (kungakhathaliseki ukuba kusekude kangakanani) kunzima kunokuba kungabikho ndawo. Ukuba uya kuthenga, umzekelo, imoto, zicinge ukuba uhamba ngokungekho nto, kodwa imoto ethile. Ngokomzekelo, i-yellow minicar eyenziwe ngokusemthethweni yaseNtaliyane. Ukucaca injongo, ngokukhawuleza uza kufinyelela kuyo.
Ewe, ngendlela malunga nexesha. Emva kokuba uzimisele, ngoko uqikelele umhla xa unokukwazi ukuthenga oko ufunayo. Unokwenza ishedyuli kwaye umaka kuwo amanyathelo athathwe kule ndlela. Yibambe kwindawo evelele endlwini - kwaye uyayibulela inkqubela. Ndikholelwe, ukuba nephupha lokukhonkxa, uya kuhlala ufumana iindlela zokufumana. Ukuba ungayithenga, kunjalo.
BHALA I-COST OF PURCHASE.
Unokwenza okulungileyo kwivenkile - kwiselula yakho, uze uthumele la manqaku kwi-notebook xa ufika ekhaya. Ekupheleni kwenyanga uya kuqonda apho imali yakho ihamba khona. Oku kuya kukuvumela ukuba unqume oko ungayigcina, kunye noko unokuqhubeka ukungawenqali. Yenza nje lonke ixesha, ungaphuthi usuku olunye. Ngaphandle koko, isibalo sokugqibela asiyi kuchaneka.
YENZA IMITHETHO.
Gcina imali kufuneka ibe ncinane kwibhankini kwi-akhawunti yediphozithi, iqinisekise ukukhula kwabo ngo-12-15% ngonyaka. Ukugcinwa kwemali ayikwazi ukuqokelela - ukunyuka kwamaxabiso kuya kutshatyalaliswa rhoqo ngengxenye yemali, ukunciphisa amandla abo okuthenga. Amanani amancinci (ama-ruble angaba ngu-10 000.) Unako ukutyalomali kwiMutual Funds (iimali zentengiso-mali) kunye ne-OFBU (iimali eziqhelekileyo zolawulo lwebhanki). Yintoni enokuyenza ngophuhliso olunzulu, umcebisi wezemali uya kuhamba. Ngendlela, akukaze kulungele ukukhwaza. Ndikholelwe, inzuzo efunyenwe ngenxa yeentengiselwano eziyimpumelelo iya kugubungela iindleko zakho kwizakhono ezingaphezu kweyodwa. Kwimeko nayiphi na into, kufuneka wazi ngokucacileyo nini kunye nemali enjani. Ungenzi yonke imali yakho enye, kwaneyona akhawunti inenzuzo kunye, kwanebhanki ethembekileyo. Oku kuya kukuxelela nantoni na umntu oqonda uqoqosho kunye nezemali. Imeko yezemali kwihlabathi lanamhlanje ayizinzile kakhulu - ungawafaki onke amaqanda kwikheksi enye.
HLAWULA.
Emva kokufumana isamba esilungileyo kwi-akhawunti, musa ukuyithatha yonke imali ngokukhawuleza. Thatha ulawulo lomdla. Iiruble ezilikhulu, ezityalwe kwi-10% ngonyaka, ziya kuba ngama-ruble angama-110 emva koko, kwaye emva kweminyaka emibini - 110 + 10 + 10 + 1 = 121 (l = 10% yeeruble eziyi-10). Le ruble yiphumo lomsebenzi wenzalo. Kubonakala kungenjalo. Kodwa ukuba usebenza kwixabiso elikhulu, ngoko kwimeko yokuba uneminyaka engamashumi amabini anesihlanu kwaye kanye ngenyanga uya kufaka i-ruble ye-1000 kwibhankini kwi-9% ngonyaka, xa ufumana amashumi mathandathu, uza kusindisa ngaphezu kweebhiliki ezintathu! Kwaye iipesenti kuphela eziza kuzuza kwi-1000 "eluhlaza" nyanga zonke.