Ukucwangciswa kunye neengxelo zohlahlo lwabiwo-mali lwentsapho luqeqesho olufuneka lufundwe, kwaye ngolunye usuku ekuqeqesheni alukho okwaneleyo. Ulwazi, isenzo kunye namava, kunye nokukwazi ukuzikhanyela into ethile ngenxa yeendleko ezicwangcisiweyo okanye ukugcinwa-ziyizona zinto ziyinxalenye yokwenza ucwangciso olufanelekileyo kunye nesiphumo esihle.
Ukugcina uhlaziyo lwasekhaya
Ukugcina uhlaziyo lwasekhaya luyingxenye ebalulekileyo yosuku ngalunye. Ukuhlawula kuphela imizuzu emi-5 ukuya kwemihla ngosuku "lwengxelo yezemali", ngoko uza kwenza uxanduva lwemali kwintsapho kwaye, ngaphezu koko, kwimimiselo yakho namava, uncede abantwana bakho bagweme iingxaki ezininzi kwiimali zentsapho kwikamva.
Ukucwangciswa kunye nokugcinwa kweengxowa-mali zentsapho kubandakanya ukubeka iindleko zemihla ngemihla kunye neendleko, ukuhlalutya ukuthenga okuncedo kunye nokungenakuncedo, ukucwangcisa uhlahlo lwabiwo-mali ukwenzela ukufezekisa iinjongo zesikhathi eside, ukugcinwa rhoqo kwindleko ukuze kuqinisekiswe ukhuseleko lwezezimali kwiimeko ezingalindelekanga (ukugula, ukulahlekelwa ngumsebenzi, njl).
Uhlalutyo "lwekhredithi yasekhaya"
Ukuqala kokucwangciswa kohlahlo lwabiwo-mali luquka ukuhlaziywa kweengeniso zentsapho kunye neendleko. Ukwenza oku, kufuneka ubhale phantsi yonke imali kunye neendleko imihla ngemihla ngenyanga. Ngokwemvelo, kuya kuba nezinto ezimbalwa nje ngenzuzo, yonke into iya kuba yindleko zakho. Ekupheleni kwenyanga, kufuneka wenze uhlalutyo olupheleleyo lwazo zonke iintengo ezenziwe. Uya kumangaliswa xa ubala inani elisetyenzisiweyo, ngoko kuthetha, "izinto ezincinci zobomi." Xa ufumene umfanekiso wangempela weendleko zentsapho, ungaqala ukucwangcisa uhlahlo lwabiwo lweentsapho. Oko kukuthi, ixesha elizayo liya kuceba nohlalutyo.
Ngaloo ndlela, xa ufunde ukuhlalutya nokucwangcisa, unokuqala ukwenza isabelomali seentsapho. Uhlahlo lwabiwo-mali, njengomthetho, lwenziwa luqhelekileyo kunyaka, kwaye luchanekile, ngeenyanga. Ukudala uhlahlo lwabiwo-mali, kufuneka, okokuqala, ukuchonga izinto eziphambili zentlawulo nenkcitho. Ndiyabulela ekudalweni kwesakhiwo esinjalo, umntu unokuhlalutya imali echithwa ngayo, kunye neendleko zezinto ezinokunciphisa. Into ephambili kukuba inkcitho ayifanele idlule, kodwa, ngokuchaseneyo, ibe yincinci, ingeniso okanye ingalingani nayo. "Ukungabikho kohlahlo lwabiwo-mali" aluvunyelwanga!
Imigaqo yokucwangcisa
Ukuze inceba yentsapho ibe luncedo kwaye isebenze, umntu makamathele kwimigaqo emininzi nemigaqo yokucwangcisa ngokufanelekileyo:
- Ukuze ugweme "iintlungu" kwiimali zentsapho, kufuneka umntu azi indlela yokuthi "hayi" ngexesha. Oku kusebenza kwiintlobo ezininzi ezithengiweyo ezingenziwanga. Ukuphila ngumgaqo: "Ndifuna ukuthenga yonke into endiyifunayo kwaye xa ndifuna," - oku kutshabalalisa ukuzinza kwezimali zakho zeentsapho.
- Ukuqheleka kokuqhuba "isikhwama seentsapho" siqinisekiso solawulo kwikhredithi ngokwayo.
- Nika ingqalelo ekhethekileyo kwingxaki yokonga, ngaphandle kwabo awukwazi. Ubuncinane, kodwa kufaneleke.
- Ukuxoxa rhoqo ngemicimbi yezemali yentsapho kunye nomyeni wakho okanye iqabane lakho.
- Umgaqo oyintloko wokulawulwa kwemali yeentsapho kudala imodeli yolawulo lwenu lweentsapho. Oku kuyinyani ngakumbi kwiintsapho ezincinci. Iphutha elikhulu lizama ukuzisa imithetho kunye nemigangatho kwintsapho, eyagonywa kwiintsapho zabazali. Ingxoxo yokuqala yolu mbandela iyisibambiso sobudlelwane obungabambisani nxamnye nexesha elizayo.
- Funda ukuqhuba uhlalutyo lwamaxabiso rhoqo kwaye ukhangele imithombo yokuthengwa kwexabiso elincinci.
Umthetho oyintloko woqoqosho lwentsapho
Ulawulo lwezemali zentsapho luyinkalo yentsapho kwaye ilungelelaniswe, oko kukuthi, zonke izinto zenkcitho kufuneka zixoxwe kunye nesiqingatha sabo sesibini. Kwaye kukho konke kufuneka kube nokunyaniseka ! Ukufihla ixabiso eliyinyaniso lokuthenga kwakho, iimali zangempela okanye amatyala angazenzela ngokukhawuleza ngokwemali yokuthembela kwemali, kodwa nangomtshato ngokwawo.
Kutheni ufuna i-savings
"Umvuzo wethu ohlangeneyo ukwanele kuphela ekuhlaleni kunye nokuhlawula izibonelelo. Luhlobo luni lokulondolozwa phantsi kweemeko ezinjalo esinokuthetha ngazo? ", Uxelela uVictoria. Ewe, enyanisweni, imivuzo yeentsapho ezininzi ayinakwanela ukugcina into kwaye ihlehlise. Nangona kunjalo, njengoko ndithe ngasentla, ukuba uhlalutya zonke izinto zenkcitho, unokufumana inxalenye enkulu yeendleko zentsapho ezingadingekile.
Kwimali ephantsi kakhulu kubalulekile ukufumana imithombo eyongezelelweyo yengeniso. Hlaziya yonke into oyaziyo ukuba ungayenza njani. Mhlawumbi, gula, udibanise, wenze ulawulo okanye uqhube, usebenze njengomfundisi weNgesi, - kukho inketho eninzi yokwenza imali eyongezelelweyo. Into ephambili nje ukufuna! Kwimeko nayiphi na into, i-1% yenkxaso yentsapho inokuhlala ichithwa "ngosuku oluzayo."
Elinye iphuzu elongezelelweyo lomcimbi wokulondoloza nokuqokelela imali yeentsapho ngumgaqo wokugcina imali into ethile. Ufuna ukuthenga i-TV okanye imoto-yibeke eceleni imali. Ukuba nolondolozo lwemali lwentsapho luyakusindisa ngokusisigxina xa kukho nayiphi na ingxaki okanye iimeko ezingalindelekanga.
Yintoni ozoyigcina?
Umthombo owongezelelweyo wemali engenayo kwaye, ngenxa yoko, umthombo wokugcina ingabakho uqoqosho olusebenzayo lwemali yosapho. Hlaziya zonke izinto zenkcitho uze ucinge ngoko ungakugcina. Ngokomzekelo, ukuba udla kwigumbi lokudlela okanye i-cafe, kubiza kakhulu ukuba ukutya kuthathwe nawe ekhaya. Ukuba uqhuba imoto yakho okanye iteksi, izithuthi zikawonkewonke ziza kubiza ubuncinci. Hlaziya indleko yamanzi nombane, indleko zezonyango ezithengiweyo okanye iikhemikhali zendlu. Ngokuqinisekileyo, uya kufumana imithombo yemithombo eyongezelelweyo yemali kubhajethi yentsapho.
Iintlobo zohlahlo lwabiwo-mali
Iimali zeentsapho ezidibeneyo ziyimpumelelo yekhredithi yasekhaya. Kodwa, kwenzeka ukuba le mveliso ayihambelani neziseko kunye nemithetho yentsapho ethile. Cinga ngeentlobo eziphambili zohlahlo lwabiwo-mali.
Uhlahlo lwabiwo-mali
Uhlahlo lwabiwo-mali lubonelela ukuba imali yelungu ngalinye lentsapho liya kwi "irejistri yerejistri jikelele" kwaye yabelwe kunye. Olu hlobo lwabiwo-mali lwentsapho lubonwa njengowona "lawulo olubalaseleyo" lwezimali zeentsapho, njengoko abatshatileyo bengenazo iimfihlelo ezivela omnye komnye malunga nobukhulu bomvuzo wabo.
Ulwabiwo lwebhajethi
Ngolu hlobo lwebhajethi yentsapho, zonke iindleko zentsapho zibalwe kwaye zahlula ngokulinganayo. Olu lwabiwo lwezimali zeentsapho lunokubangela ukuphikisana kunye nentukuthelo. Okokuqala, akusoloko kulula ukusabalalisa ngubani odlayo. Umzekelo, umlingane odla kakubi xa ehlawula imali elinganayo yokutya. Ukongeza, iqabane elifumana ngaphantsi liya kuziva liphazamiseke, kuba iindleko zakhe ziya kuba neyona mali encinci yemali.
Uhlahlo lwabiwo-mali
Lo ngumzekelo oqhelekileyo wokulawula imali yeentsapho eNtshona Yurophu. Abatshatileyo bazizwa bezimeleyo ngokwezemali, baphathe imali yabo kwaye bahlawule iimali zabo. Ukusetyenziswa kwemali yentsapho, njengokufundisa abantwana, ukuhlawula iibhidi zesevisi, iimali-mboleko ezidibeneyo, zihlawulwa ngabafazi kwi-fold.
Ixesha liyimali
Musa ukuchitha ixesha, qalisa ngokucwangcisa namhlanje. Ngaloo ndlela, ngomso ungakuphepha iindleko ezingathandekiyo kwaye ngoko ugcine imali encinci yemali. Khumbula ukuba kuphela ukuqeqeshwa kunye nerekodi yemali yemihla ngemihla kuya kuzisa umphumo owenene.
Ubuncedo bokucwangcisa kunye neengxelo kubhajethi yentsapho
Ndiyabulela kwisicwangciso-mali sebhajethi yentsapho, unokufezekisa iinjongo zakho ngokukhawuleza nangakumbi ngokufanelekileyo. Ndiyabulela kuhlahlo lwabiwo-mali oluhlelekile, ulondoloza imali yakho. Ukongezelela, ngenxa yohlahlo lwabiwo-mali, uza kuhlala ulungelelaniswa neemeko ezingalindelekanga. Yaye ukhumbule ukuba uhlahlo lwabiwo-mali oluyalelwe kwaye luququzelelwe phakathi kwabatshatileyo luyinto ebalulekileyo enempembelelo entle kwiintlalontle zentsapho. Ukucwangciswa kwezezimali kunye nokuphendula kwakho!