Indlela yokuhambisa ngokufanelekileyo uhlahlo lwabiwo-mali


Ukuba ukhathele ukuboleka "ishumi" kwisonka phambi komhla ngaphambi kokuba umvuzo wakho, ukuba ufuna ukulungiswa kwezonyusa okanye ukubuyisela into engaphumelekanga, kodwa awukwazi ukulondoloza ukuthenga okukhulu-jonga amava okulawula uhlahlo lwabiwo lomntu kwaye uzame ngokwakho. Indlela yokuhambisa ngokufanelekileyo uhlahlo lwabiwo-mali kuwe, kodwa kukho imodeli eyenziwe ekulungele ukusebenza. Enye yezinto ezininzi, sele zivavanywe, iinqunto ziya kulandelelana. Yaye ungakhathazeki ngokungathandabuzekiyo, "kuyimfuneko okanye ayimfuneko ukugcina uhlahlo lwabiwo-mali". Ukuba ufuna ukulawula apho imali yakho eyimali eyimali ihamba khona (kwaye ayikho enye imali), kuya kufuneka ubonise uqeqesho oluthile kwaye wenze umgudu omncinci. Kodwa emva koko, ukubuya kwe-101% yemali yabo yinto efanelekileyo?
Izindlela zokwabiwa kwemali
Imali yangena endlwini. Kwaye ke? "Eqanda", ebekwabiwe ngaphambili, ukutya kunye neendleko ezincinci, kwaye sele uthabathe khona? Okanye uza kuvela njani? Ngubani ophethe i-finance endlwini? Kodwa ingabe uthabatha ezinye iimfuno zakhe? Makhe sizame ukuxabana, sicinga ukuba ngubani olawula imali, kuba kukho ukukhetha. Ikakhulukazi kwiintsapho apho umyeni nomfazi banelungelo lokulahla imali yabo: baneendlela ezintathu zokuvumelana ngemali edibeneyo.
Kuchanekile njani ukusabalalisa uhlahlo lwabiwo-mali? Nayi inketho yokuqala : "indlela enye ibhasikidi", i. zonke iindlela, kungakhathaliseki ukuba ngubani na, nini naziphi iinjongo abazifumanayo, zidibene. Kuvela "I-yethu", apho imali ithathelwa ukuthenga amancinci, kunye nokuthengwa okukhulu, ukutya, ukuhamba, abafundisi, izifundo, njalo njalo.

Yiyo ndlela ifakwa ngayo kwintsapho yethu. Ngendlela, saqonda le ndlela kuphela emva kweenyanga ezintandathu zokusetyenziswa. Ekuqaleni kwakungekho nto engathandekiyo ukucacisa "Nokuba ungakanani uchithe namhlanje namhlanje isidlo sakusihlwa, ndithandeka?" Kwakubonakala ngathi luhlobo oluthileyo, njengokungathi ukhangele emlonyeni wakho ... Kodwa akukho nto, uye waqhelana nokubuza imibuzo, kwaye ungaxabisani, siya kwivenkile kunye, kwaye ixesha elide andizange ndithwale kakhulu "iifaki".

Okwesibini yindlela "yeebhasikiki ezimbini", efanelekileyo ngakumbi kwiintsapho "zetyala", imitshato yomtshato "kunye nobudlelwane obunzima, apho kungekho mfuneko yokuthembela ngokupheleleyo kunye nesabelomali esicacileyo. Kule meko, kukho "lakho" nelithi "yam", kwaye ngamnye kulabo abafumanayo, uhlawulela inxalenye ekhethekileyo yeentlawulo zezindlu, ubonelela isixa sokutya, kwaye uhlawule iimfuno zakhe ngaphandle kwepokothini lakhe.

Le ndlela "inkulu". Ukuba intsapho inabantwana, loo mfazi uxhomekeka kwindoda, kwaye kuthelekiswa naye, ufumana amaxesha amaninzi. Okanye ukuba ukuhlukana kwentlalo kukhulu kakhulu - umzekelo, "umfundi ungumntu oshishino". Ukuphazamiseka kwiminqweno iya kuba nguye, kwaye uya kufumana "ukuqala kwentloko" kunye nethuba lokuchitha ngaphandle kokungahlawulelwa ... lonwabo. Olu khetho lufanelekile kuphela kumfazi ocebileyo (kunye nobanjelwe) ofuna ukuzikhusela kwi-gigolo, okanye indoda efuna inqanaba elithile lenkululeko.

Okwesithathu: njengoko sele uqikelele, indlela yeebhasikiki ezintathu inokukunceda ukusabalalisa uhlahlo lwabiwo lweentsapho, apho amalungu omndeni enza imali echanekileyo evumela ukuba baphile ngaphandle kokubulawa yindlala okanye ukuzikhawulela. Yonke into efunyenwe "ngokugqithiseleyo" kwesi sixa, wonke umntu ukhululekile ukuyisebenzisa ngokuzikhethela kwakhe.

Le ndlela ilungileyo kulabo abaneemfuno ezahlukileyo kwiingcamango "zobomi obuhle" kwintsapho. Omnye ufuna nje into entsha, kodwa umntu ufuna iingubo zeegusha zaseNtaliyane - ngoko kutheni sifanele sixabane ngale nto? Uhlahlo lwabiwo-mali luhlinzekela imali encinci yezinto zokugqoka, ukuba ufuna - wongeza imali kwimali "yakho"!
« Iibhasikiti kunye neepokethi»
Kwaye ukuba iibhasiki ezintathu azincedi? Ngendlela eyiyo ukusabalalisa njani uhlahlo lwabiwo-mali kwimeko? Ngenxa yoko, ngaphezu kwe "iibhasikiti" kuya kufuneka ungene ebomini bemihla ngemihla "iipokethi". Igama ligxininiso, kwaye umgaqo ulula: ukucacisa ngokucacileyo izinto zenkcitho. Ngokomzekelo, sibeke isamba semali kwi "basketball jikelele". Ngoku kuya kuba kuhle ukucacisa ukuba luya kuhamba kangakanani kwifowuni, izibonelelo, ukurenta, kunye nokuba kungakanani - ukutya (ngenyanga kwaye, ngokufanelekileyo, ngosuku). Ngokuchanekileyo ukuba ungubani, iimangalo ezingaphantsi ozifumanayo xa usebenzisa le mali.
Kodwa njani ngokuchanekileyo ukwabelana ngohlahlo lwabiwo-mali "kwiipokotshi"? Ngoko, njengoko ufuna! Ukwenza oku, i-albhamu encinane yesithombe okanye i-notebook eneempendulo ezixotshiwe ziya kufanelana, apho iphepha ngalinye liphawulwe khona kwaye lisayinwe. Ngendlela, indoda enye, engazange ifune ukuhlula kunye nekadala, ibhatyi igugile, ifake iipokethi zayo ezininzi kwindawo yokugcina imali. Ngoko, makhe sibone ... Ewe, lixesha lokuhlawula iselula - sithatha kule pocket, kwaye kuphela ku-IT. Ekuqaleni kuya kuba nzima, unokuhlushwa ngumnqweno omkhulu wokunyuka kwipokothini elisondeleyo (enye inkokhelo) kunye "nokunika imali", ukuthenga into "phantsi kwemoya." Kodwa kungcono ukuzibamba - ngokukhawuleza uza kufumana umkhwa onobulumko wokucwangcisa ngokuchanekileyo indleko, ezingayi kuphazamisa.
Zama ukusebenzisa le "sikhwama" kwisikiti "sakho". Ukungazi ukuba ungakanani na kwaye ufuna ukuyichitha, ungayifumana ekupheleni kwenyanga into engekho into emnandi kwiipokotho zakho - ukuthengwa kokugqibela kwamaphephancwadi kwimoya "ngokungalindelekanga" kubiza imali efanelekileyo - uza kwenza ntoni ngoko? Zithobe kwaye ubuze umlingane, abazali, ubolekise kubamelwane, okanye ufunde ngokukhawuleza ukuba ulindele ukuchitha imali ngaphambili?