Imali Planning

Wonke umntu uqhelene yokuba uthando akhawunti imali. Kubalulekile ukuba sibe nako ukusindisa umda ngokwam, kodwa nje ukucwangcisa mali kuphela. Ekuqaleni oku kubonakala ngathi umsebenzi pretty elula: udumdelise isixa esithile, ukwenza isicwangciso yakhe imali kwaye baphambuke sicwangciso. Ngokuqinisekileyo, kulula ukulawula imali ukuba uhlala wedwa, ukucwangcisela ibhajethi usapho kufuna ixesha nomgudu.

Ngoko ke, ngaphambi kokuba lo msebenzi kuni ukuba zisasaze le mali ngendlela efana ukuba ngokwaneleyo ukuba ukuhlawula imali-mboleko, intlawulo sabaqalayo, ukutya, ukuthenga impahla zasendlini, nangasekhohlo i "imini black". Uyavuma, kunzima ukukhumbula yonke le misebenzi kwaye akwazi ukuchitha imali esisiso.

Ukucwangcisa ibhajethi usapho - kukho umbandela onzulu efuna indlela echanekileyo. Kungenjalo, ngaphandle ulawulo olufanelekileyo, imali kusetyenziswa izinto, enyanisweni ukuthenga kakhulu ezingeyomfuneko, ngqiqweni kunye nokuzonwabisa. Malunga nalo kuthenga ngenene kuyimfuneko into akwenzeki.

Kule mihla kukho iinkqubo ezininzi software ezinokukunceda isicwangciso sebhajethi usapho ngokukhawuleza nje. Umzekelo, "Ekhaya Ukugcinwa". Le program kuphela siyazenza iimpazamo kwi idatha efakiwe. Ngoncedo lwe-mali e-ekhaya, uyakwazi ukulawula amatyala, ezishwankathela kangangexesha elithile, ukugcina iirekhodi ingeniso kunye nenkcitho, iindleko lwamatyala schedule, njl

Ngokutsho uphando zizazinzulu yaseMelika, isixa inkulu imali echithwa ekutyeni, ne-30% ye zokutya kwifriji yakho iya kwi emgqomeni. Oku kungenxa yokuba iintsapho bathenge iimveliso iveki, musa nethutyana lokuba badle zonke kudla ezonakalayo. Yiloo nto uceba ukutya iveki losapho enkulu kukho unxibelelwano. Wonke umntu ukonga ukhumbula ukuba kutheni kwaye wayithenga.

Family yocwangciso mali leyo edla iwela emagxeni ngabafazi, kufuna izibalo ngocoselelo kunye eninzi ingqalelo. Maxa wambi abantu uqaphele ukuba zichithe izixa ezinkulu kwizinto ezifana iikhemikhali indlu, izithambiso, iimveliso kwiivenkile ezinkulu. Uhlahlo lwabiwo kufuna sizathu ebandayo kunye nokucinga ngokohlobo lwemathematika. Ungaphoswa iinkcukacha ezincinane, silibale ngayo ukuchitha njengokuya movie, cafes, ukuthenga iimagazini njalo njalo. D. Le ntsapho anoqoqosho kudala waba mveliso kunye neemveliso ukutya kwiivenkile ihoseyile, ngoko uyakwazi ukugcina ukuya kwi-50% yebhajethi.

Kwakhona kwakubekwe ezixabisa kukuba kaninzi sifumana iimveliso ebekwe yi zentengiso. Ebona oku okanye imveliso kumabonwakude okanye Internet, wena kwangoko libalekele ezivenkileni ukuba imveliso entsha. Kwaye ke inkunkuma likhulu labantu bonke abasetyhini - intengiso onyaka, apho bonke shopaholics Balibele tu ukuba ukulawula imali yentsapho, yaye uye imimoya.

Ukuba ufuna nje kuphela uyoyiswa izicwangciso ogqibeleleyo imali yentsapho, kodwa ukufunda ukugcina, khumbula imithetho embalwa elula:

• Nika onke amatyala abahlobo bakhe, akazange athathe imali ebolekiweyo;
• niwachithe onke amakhadi ngetyala, apho akukho mda;
• delay inxalenye emivuzo (20%);
• kusasaza le mali ngendlela yokuba-50% of ungachitha iindleko eziyimfuneko,-30% ukuya izinto ezinqwenelekayo nokuzonwabisa,-20% ukuze ahlawule ityala, imali.

Ukuze wenze umsebenzi wakho, unokuba iimvulophu ezininzi, apho ipeyintiweyo ngokweenkcukacha oko imali emva kwabo, kufuneka ukuchitha. Umzekelo, imvulophu lokuqala ilungiselelwe ukusetyenziswa lobuqu omnye iindleko zomthetho (eziluncedo, intlawulo -mboleko, i-intanethi, umnxeba, njalo njalo), i eyesithathu - kuba iindleko ezingalindelekanga, lwesine - iindleko ezinqwenelekayo (iimpahla, ukuzonwabisa), njl .

Ukucwangcisa ibhajethi usapho - ayonto ubumnandi, kodwa kuyimfuneko. Ukuba ufuna ukuba kusapho lwakho wayesoloko imali, kwaye into wayengayikhanyeli, ufuna icebo.