Nawuphi na umfazi ozimeleyo kunye onqwenelekayo kufuneka azimelele nakubani na kumbandela wezezimali. Oku akulula ukufezekisa, ukuhlala ubomi kwimodi yomsebenzi wendlu, kodwa kufuneka ufunde ukuba unethuba lokugqiba okokuthenga, apho uya khona ukuphumla, ngaphandle kokucela imali kumntu.
Ukubeka izinto ngokufanelekileyo kwimali
Iintsapho ezininzi zinomlinganiselo ohlahlo-lwabiwo-mali, ukuba uyenzela, ulwahlule ngokubanzi kunye neyakho. Unyule zonke iirisithi ezifumanekayo kuphela kuwe, ingaba uqeshe indlu yakho okanye usebenza kwindawo ethile. Bhala phantsi zonke iifom ezihamba kuphela kwizidingo zakho. Ngokwemvelo, le mibuzo kufuneka ixoxwe kunye nomntu wakho, ukuze kungabikho ukungavumelani phakathi kwabo bonke.
Akhawunti
Ukuze ukwazi ukuzimela ngokuzimeleyo ngokwemali, kufuneka ukwazi kakuhle kangakanani imali enokuyenza, ubuninzi bokucwangcisa ukuchitha kwiimpahla ezifunekayo, kwaye zeziphi iimfuno zakho. Inketho elula kukurekhoda kwiikholomu ezimbini ezihlukeneyo, enye ibhale kunye kunye nakweminye minus.Ungafaka izicelo ezikhethekileyo zamathebhulethi kunye nee-smartphone "Imali yomntu siqu" okanye inkonzo efanayo kwikhompyutha elula, kulula ukusebenzisana namanani usebenzisa iFree file . Kukho inketho ezininzi, ukugcinwa kwee-accounting kuphela kufuneka kugcinwe imihla ngemihla. Kuya kuba yinto enqwenelekayo ukutsala ipesenteji ezithile ukusuka kwimali nganye yenyanga njengendawo engenakuguqulwa kwisabelo sakho sebhajethi. Konke oku kukugqibela kube yintambo yakho yezemali.
Yithi hayi kwiikhredithi kunye namatyala
Ukuzimela kwakho kwezezimali akuyi kuza ukuba awuyi kuhlawula ityala. Ubukho babo buya kufaka isandla kwinto yokuba uya kuphendulela kuncedwe ngumyeni okanye nabanye abantu, ngoko ke ukuzimela kwakho kwezezimali akunakufika kungekudala. Kwiimali ezikhoyo, awuyi kukwazi ukuzalisa uhlahlo lwabiwo-mali. Unokwenza oku ngokukhanyela amakhadi ekrekhodi, ngokuzibuyisela kwikhadi eliqhelekileyo lokubhadela. Ngenyanga yokuqala, sishiye ubomi obuqhelekileyo bukhululekile. Konke oku kuya kukunciphisa isilingo sokungena kumatyala alandelayo.
Khangela umsebenzi
Ukuba awukwazi ukwenza yonke ingeniso yakho nayiphi na isizathu, zama ukufumana umsebenzi omnandi, owenzekayo oza kukunika inzuzo ethile. Kwaye ulapha usenokuba usuchithe ngokwakho. Mhlawumbi enye yeeklasi iya kuqhubeka ibe ngumsebenzi wakho oyintloko, ukuzisa inzuzo, mhlawumbi ngenxa yoko, uya kuba ngumntu ozimele ngokwezimali. Kuchaneke ngakumbi ukuwujonga, ukuqala ngohlobo lomsebenzi.
Inkcitho yemali
Ukufumana ukuzimela kwemali engabalulekanga, abanye abantu bazama ukukhawuleza imali yokufumana imali, ngaloo ndlela bafumana ukwaneliseka okufutshane nje. Kukho abantu abaqala ukuqokelela, bahlehlise, kwixesha elibizwa ngokuba ngcono. Nangona kunjalo, kuya kuba bubulumko ukutyalwa imali kwi-real estate, iziqinisekiso, oku kuza kukuzisa inzuzo yesikhathi esizayo. Ukuthengwa kwempahla eninzi oyifunayo, kuya kucetyiswa ukuba uhlehlise imali kancane kancane, kungenjalo kukho ithuba ezinyangeni ezithile ukuba ungabi nalutho ngenxa yokuthenga okukhulu.
Funda iincwadi ezincedo malunga nemali
Ukuze ekugqibeleni ube ngumfazi ozimeleyo ngokwenene, kufuneka ufunde rhoqo iincwadi ezifanelekileyo kwaye uzalise ulwazi lwakho ngolwazi olutsha. Akukho imfuneko yokufunda uninzi lweencwadi kwaye unike isiqingatha semini. Kuya kukwanela kwiiyure eziyi-1-2. Into ephambili kukuba ukhethe uncedo olubalulekileyo lunalo luleko.
Ukunxibelelana nabantu abazimeleyo ngokwezimali
Ukuba unabohlobo abaye bafumana ukuzimela kwemali, oku kulungile, kuba unokufumana iingcebiso zabo okanye ubacele umbuzo. Yaye ukuba wena, ngokuchasene noko, zijikelezwe ngabantu abangonwabileyo nabampofu, oku kuya kuthintela kakubi ukuhlaziywa kwakho. Udinga ukuthetha nabo ngokuncinci kangangoko kunokwenzeka, kodwa unganciphisi unxibelelwano nantoni na, njengoko umzekelo wabo ungabona indlela ongazifanele uyenze ngayo ebomini nokuba yiziphi izenzo ezinokubakhokelela. Xoxa nabafazi nabasetyhini abazimeleyo kwaye uya kuba efanayo!
Umbutho webhishini lakho
Indlela efanelekileyo kakhulu yokuzimeleyo ngokwezemali kukuqhuba ishishini. Kwinqanaba lokuqala kuya kuba nzima, kuya kufuna ixesha elide kuwe. Kwixesha elizayo, xa usungula ishishini, kuza kuza inkululeko kunye nexeshana, kwaye mhlawumbi imali, ingakumbi ukuba umsebenzi wezoshishino awudingi ukuba uthathe inxaxheba.
Ukuba unomyeni ngelo xesha, ukuba ungazixinzelelo ngesicwangciso semali, uze utyalomali kwixesha lakho elizayo: fumana ezinye izakhono ezongezelelweyo, fumana imfundo, ufunde isigaba esithandekayo kuwe, kwaye kubaluleke kakhulu, qalisa ukwenza into ngokwakho. Isisombululo esisisombululo semibandela yezemali sidibanisa intsapho, ngoko ukuthengwa kwezinto ezinkulu kufuneka kusombululwe kunye nomntu wakho, kwanomvuzo wakho omkhulu. Iimpikiswano ezibalulekileyo zihlala zikhokelela kwiibhajethi ezahlukileyo, ukuthengwa kwezinto ezinkulu. Kwizigqibo zakho musa ukuwela umgca, funa isivumelwano kwintsapho.