Indlela yokufunda ukuba ungayisebenzisi yonke imali: iimpazamo eziphambili

Umvuzo wakho ukwanele kwiintsuku ezintathu? Oku akusiyo imbambano kwiSebe le-HR, kodwa isizathu esihle kakhulu sokuphinda ucinge ngemichimo yakho yemali. Ukuwela emigqabini ekupheleni kwenyanga yinto ebalulekileyo, nokuba umvuzo wakho awufanelanga kwikhadi leplatinum. Emva koko, wonke umfazi unetalente evuyayo yokuchitha imali engaphezulu kunokuba ayifumana. Kuyinto emnandi ukubethela imali ngaphezu kwamabhodlela ensipho kwindawo yokuhlambela, kodwa kusekho ukuphazamiseka kwesi sihlandlo. Ngokuqinisekileyo awuthandi ukuhlala iveki phambi komvuzo kwisonka kunye namanzi, ukufihla kubathengi kunye nokuqokelela izinto ezincinane kwiipokethi zasebhanki zasebusika. Nazi izizathu eziyisixhenxe eziphambili zeemeko zakho zezemali ezingenakuthengiswa. Awunayo imali
Ngokugxothwa ngokukhawuleza okanye utshintsho lomsebenzi, uya kushiywa ngaphandle kokuphila. Kufanele ube nesitokisiso somhla wokuvula, ubuncinane, ukuze ukwazi ukukhetha umsebenzi omtsha, kwaye ungavumelani nesigwebo sokuqala (kuba sele usithengise ikati ukuthenga ukutya kwekati). Ezinye izithuba zikuvumela ukuba ufumane indawo entsha kwimiba yeentsuku, umzekelo, ukuba ungumntu wezinwele okanye umphathi wokuthengisa. Kodwa ukuba ungochwepheshe "kwiinkqubo ze-intracorporate" okanye igqwetha elinomfanekiso omncinci, ngaba kukho imfuno eninzi kuwe?

Indlela yokulwa
Masithi unokufuna umsebenzi ngaphezu kwenyanga? Qala ukudala isikhwama sakho sokuzinzisa ngoku ngoku. Ukubekwa eceleni kwemvuzo makube mncinci, kodwa imali. Yaye indlela engcono yokukwenza oku akuyi kusebenzisa ibhanki ye-piggy bank, kodwa i-akhawunti yebhanki iya kugcwaliswa (kwaye uyifihle ikhadi). Kule meko, awuyi kuba nesilingo esinjalo sokugqithisa ibhanki ye-piggy kwaye uchithe zonke iimali ezichasiweyo, ngaphandle koko, inzala inokungena kwi-deposit yasebhankini, eyona yinto encinci, kodwa iselungile.

Awusindisi imali yokuthenga okukhulu
Ukuba awunalo ukugcina imali enkulu, nokuba ingubo entsha yoboya okanye uhambo, uya kukhanyela ukuthenga okanye ukuboleka imali. Kodwa akusoloko kulula ukufumana abantu phakathi kwezalamane-abahlobo-osebenza nabo-abaqhelana nabo abakulungele ukuboleka isamba esilungileyo, kwaye iimali-mboleko zebhanki azithengi ngoku ngexabiso eliphezulu. Ngoko nangona okwamanje ungenayo ingqiqo ethile yento ofuna ukuyithenga, vele ukhawuleze malunga ne-10-15% yengeniso yakho yenyanga. Emva koko wenze isigqibo malunga nokuba yiyiphi imali eya ku-indlu okanye iitikiti ze-Disneyland.

Indlela yokulwa
Cwangcisa konke ukuthenga - ukusuka kwimveliso ukuya kwimoto uze ucinge ngeendleko zakho zemihla ngemihla. Ukwenza oku, unokurekhoda ngendlela endala ngayo "ingeniso / iindleko" okanye ukusetyenziswa ngokukhethekileyo kule nkqubo yekhompyutheni, ukususela ngoku ungakhetha kwaye ufake nayiphi na "i-accounting account" efanelekileyo kwikhompyutheni yakho okanye kwi-smartphone. Ngoncedo lwaso, uya kuphawula ngokukhawuleza ukuba yiyiphi into enenkcitho inokunciphisa okanye ichithe ngokupheleleyo, ikhulule imali "eyongeziweyo" ukuze ibenze ibenze. Chaza kwangaphambili imali efunekayo oyichithayo ekuthengeni okuphakathi (iimpahla, izixhobo zombane) kunye nexesha lokuthenga kwabo.

Unempahla yendleko ethatha isigamu somvuzo
Ukuba uchitha i-50% yengeniso yakho kwinto ethile yentlawulo, umzekelo, ukuqesha indlu okanye ukuhlawula iimali-mboleko ezininzi, ngoko uzinqanda ukuzinza. Kwimeko apho kukho ingxaki okanye imeko enzima yemali, awuyi kuba neendawo zokuhlawula iindleko.

Indlela yokulwa
Udinga ukutshintsha imeko ngokukhawuleza. Umzekelo, qalisa ukurenta indlu elula kakhulu, umzekelo, ukufudukela kwindawo engabonakaliyo, kwaye uvumele ixesha ochithayo endleleni ukuze usebenze ukwanda kancinci, kodwa iindleko zokugcina indlu ziya kuncitshiswa. Okanye, njengenketho, unokwenza ukuhlaziywa kwemali mboleko, ngokuqinisekileyo ukumboza umboleko omdala kunye nomtsha, ngenani lentlalo elincomekayo.

Ngaba unamatyala okanye iitalimbo?
Ukuba ubolekisile iindleko zakho zemihla ngemihla, ngoko usebenzise imali ngokungaqhelekanga, okwakungekho nexesha lokufumana.

Indlela yokulwa
Ukuba uthetha umboleko ongenamdla, unike kwiindawo ezincinci kwaye ungenzi amatyala amatsha. Ukuba uhlawula umdla, buyisela imali mboleko ngokukhawuleza, uzikhanyele ngokuzonwabisa kunye nokuzonwabisa okugqithiseleyo. Imboleko ifanelekile kuphela xa kuthathwa ukuthenga okukhulu kunye nokufunekayo, umzekelo, indlu okanye imoto (ukuba awukwazi ukwenza ngaphandle komhlobo onamagumbi amane), kunye nenani leenyanga nganye leentlawulo zingaphaya kwama-40% epheleleyo yengeniso yentsapho. Ukuba usebenzisa ikhadi lekhredithi, buyisela imali ebhankini ngexesha lobabalo ngaphandle komdla (njengoko umthetho ushiya iintsuku ezingama-40-60).

Ukuba uthengisa ngokugqithiseleyo kwaye ungacingi ngemali esetshenzisiweyo, uya kuhlala uhlala phantsi, kungakhathaliseki ukuba ufumana phi.

Uyathemba imali mboleko ngezinga le 0%
Ngaphantsi kwemithetho yeRussian Federation, imali mboleko yebhanki ayikwazi ukukhutshwa kwipesenti ephantsi kwezinga lokuhlaziya. Namhlanje yi-8.25%. Kwaye ukuba kubonakala kuwe ukuba uthatha imali-mboleko kwi-0%, mhlawumbi ufunda isivumelwano, okanye ezi pesenti sele zifakiwe kwixabiso lempahla, apho isitolo sinikela ngomvuzo "mboleko".

Indlela yokulwa
Funda ngokucophelela into oyisayineleyo, ngokukodwa ebhaliweyo ngokuprintwa okufutshane kunye nokuthelekisa amanani, ngaphambi kokungena kwiityala, kunokwenzeka ukuba into efanayo kwivenkile ye-intanethi ixabiso elincinci kunelo likhanyela kwiwindow esitolo kunye nesilingo esilinga " mboleko engenalo umdla. "

Ucima umboleko omnye ngoncedo lomnye
Ngaba unengxaki efunekayo ukuba uthabathe imali entsha ukuhlawula umdala? Le yimeko enzima kakhulu. Isangqa esichukumisayo, apho kungenakukwazi ukuphepha.

Indlela yokulwa
Khawuleza uzikhanyele yonke into, thatha isihlalo kwisonka kunye namanzi, uthathe umsebenzi wesikhathi-sithuba, kodwa ungathathi imali mboleko. Ngaphandle koko awukwazi ukuphuma kule ndawo.

Udla ngokuthenga izinto ezingadingekile
Uthande kakhulu izicathulo zasehlotyeni, nangona zingabalingani bakho, kwaye uthe wathenga ezimbini ezimbini ngeveki eveki. Kodwa unokuziphika njani izinto ezinokufanelwe? Kodwa ngokukhawuleza emva kokuba uvuyo olufutshane luza kudixeka, xa kusekho ixesha elide ngaphambi komvuzo, nayo yonke imali oyithumele kuyo "le ngubo egqibeleleyo" kwaye "iyimfuneko kakhulu (ye-10 kwiqoqo lakho)."

Indlela yokulwa
Ungazikhuthazi ekuthengeni okungadingekile. Ekugqibeleni, kwindawo yokuthengisa endaweni yesitolo ungaya kwi-cinema okanye kwi-skate kwiqhwa lokufakelwa. Ukuthengwa okungenakulungiswa - kuphela kwi-surplus. Kut ekupheleni - into yokugqibela.