Indlela ukufunda ukugcina imali ze wonge imali imivuzo uthobekile? amacebiso aluncedo

Kukho a joke malunga yokuba lethu kwilizwe nantoni ezinzileyo - ukuba umvuzo. Yonke uba ezibiza kakhulu, amaxabiso ukuvuka kunye nemivuzo ahlale kwinqanaba elifanayo. Yaye usoloko abanalo ithuba ukuze ifumane ingeniso engakumbi. Umntu lo ayikwazi kuba kwindawo eyiyo ngexesha elifanelekileyo, yaye umntu akanayo imfundo ngokwaneleyo.

Kweli nqaku uza kufunda ukuba ufunde indlela ngokonga imali. iindlela Ukusebenza ngezantsi kuya kukunceda ngokukhawuleza kangangoko kunokwenzeka ukuze aqale ukubeka imali kuba ukuthenga enkulu, nabahle.

Le ndlela ingentla ibandakanya umsebenzi kwi kube yinkqubo enezigaba ezibini. Ngamnye kubo ibalulekile yaye kufuneka enze.

Indlela ukufunda ukugcina imali ze wonge imali?

Okokuqala, khumbula amanqanaba amabini ilandelayo:

• ugcine;
• ukusindisa.

Indlela ukukwenza ngokuchanekileyo, siya eminye kwi ngasinye ngokwahlukeneyo.

Sidlula kwinqanaba lokuqala

Ukuze siqonde indlela engcono yokonga imali nokusindisa kwindawo yokuqala ukugcina umkhondo iindleko zabo.

Kuya kuba yanele nje ukuba nencwadi apho ukubhala iindleko zakho inyanga. Ukunenzela lula, ungenza i spreadsheet - oko kuya kuvumela ngokukhawuleza kwaye kube lula ukuba angene phakathi zonke iindleko ngokodidi ekupheleni kwenyanga.

Kuya kukunceda ukuba uqonde ukuba ufunde indlela wonge imali uze ugcine, le theyibhile ingezantsi, leyo iqulathe iindidi kweendleko. Bonisa ii iindleko zakho zenyanga ngokokwayo.

Ngokufaka kuyo, uya kubona apho ukuchitha imali engakumbi. Makhe sihlolisise ngakumbi ukubaluleka kunye nolondolozo ezinokubakho kwihlelo ngalinye.

Kugcinwa phezu kwezindlu

Makhe siqale ukuqonda ukuze bafunde indlela yokonga imali ze wonge imali kunye kudidi lokuqala. I 'izindlu "kufuneka iindleko kwerente (kwimeko zokuphila omnye umntu indlu, ndlu), eziluncedo. Yokulondoloza le ngongoma kunokwenzeka, kodwa kunzima kakhulu. Kakade ke, umntu azame idla igesi, umbane kunye namanzi.

Ungakwenza oku ngeendlela ezininzi. I engambi kubo - kukuba iliso ngokuzimeleyo Ukubandakanywa kwangethuba izixhobo zombane angafunekiyo ngalo mzuzu. Njengoko amanzi, ngoko kufuneka nje ukuba sizame ukusebenzisa kuphela ngexesha elifanelekileyo.

Ngokomzekelo, xa ukuxukuxa amazinyo, emva kokuba amanzi oluqokelelwe iglasi, vala faucet. Ukuba sithethe ukuzigcina, ngoko ukuhlamba kwi ishawa konga ngaphezulu kwama-50% yamanzi xa kuthelekiswa basamkele ukuhlamba.

Ngaphezu koko, ageze hlobo. Wavula faucet, isikhumba imanzi, wavala vana. Lather, wavula impompo, yakuhlamba yokutyiwa iisepha, ndigqibile aqiniseke.

Savings on ukudla

Gcina kwi ukutya kwakhona kunzima kakhulu. Kuyo nayiphi na imeko, akunakubakho indlala kukuba impendulo yombuzo njani ukufunda ukonga imali. isipaji Family uyazala ngakumbi ngayo. Ngapha koko, ukungatyi kumbangele kuphela ukwenzakala ezifuna unyango noqhekeko, nto leyo eya kuthatha imali eninzi kakhulu yaye luvo, ngaphezu iipeni basindiswe.

Kuyinto ukushiya iihambo rhoqo ukuya cafes, zokutyela kunye nakwezinye iindawo ezifana apho umntu nje utya. Oku kunokwenziwa ekhaya, ukupheka into emnandi. Kuyo nayiphi na imeko, ekhaya yokutyela ukutya kuphela luncedo, kodwa konga imali imali yentsapho.

Unakho ukuza ngeveki umsebenzi lekhefu lasemini - akunyanzelekanga ukuba uye kwi bar nocwangco apho namnandi nekofu. Thatha kunye iseti castors ngokutya ekhaya owenziwe umsebenzi.

Ukuba kukho ingxaki yondele kwi imali, nto ibalulekileyo - ukuba bashiye ukusetyenziswa iimveliso eziyingozi. Ezi ziquka iilekese, iilekese, iitshiphusi, crackers, iimveliso Coca-Cola ukusuka 'McDonald kaThixo "njalo njalo. D. Uluhlu luqulathe uluhlu olude.

Ayeke imikhuba emibi

Ngemihla zokonga konke oko ezimbi kwimpilo, - ngokucacileyo into yokuba kufuneka ukuba bachithe imali yabo. Nangona isibakala sokuba ukutshaya iqatshelwa ngokusesikweni njenge nomsebenzi yingozi, ngenxa apho ubunzima ukusuka emiphungeni nasemqaleni, yobubi kunokwenzeka, ukuba yeyokutshayela ayiyi kuba lincinane.

Kwaye ukuba ubale iindleko iphekhi enye yecuba ngombono elungileyo yokuba ifi 1-2 Imiqulu usuku, inyanga okanye unyaka, lixabiso elifunyenwe nje enkulu.

iziselo ezinxilisayo uya konga imali yakho. Ngaphandle into yokuba utywala utshabalalisa neeseli zobuchopho, kuba nako kutyhila yonke imali epokothweni yakhe. Ngapha koko, ukuba mnandi ukuba kunye nabahlobo ngokuhlwa kwaye intliziyo yeglasi.

Ukuba sishiye woomoya bonke, uya kuvakalelwa njani phi uya kuba imali wallet yakho. Oku singasathethi umzimba yombulelo, niya kwamkela ngokohlobo zokukhuthazwa kwezempilo.

Indlela ukufunda ukugcina imali ze wonge imali? Nika yonke imikhwa emibi, yaye musa ukuchitha nabo ixesha nemali.

iindleko

ngenyanga nganye, siya nizalise ingxelo of mobile phones, kwakunye ukuhlawula umboneleli wesevisi.

Kwaye Kuyabonakala, ukuba imali encinane, kodwa nyanga nganye nangoku angabi umthwalo imali yentsapho. Uyakwazi ukugcina bancendise ukuya kwiqondo eliphezulu kakhulu.

Umzekelo, ukuba usebenzisa kuphela Internet ukufunda iindaba uze ubukele iividiyo elifutshane, ngoko ke iqondo megabits 100 ngomzuzwana ngokuphelele ngeke kuyimfuneko. Kwanele ukuya iphakheji ibiza ngesantya ka 1-5 megabits.

Ngokutsho kuqoqosho inkonzo operator mobile kaThixo akukho ukwenza iminxeba eninzi: amanani abaqhubi ezibizayo ukuzulazula phesheya.

Kwakhona ukuba sinemizuzu ezamahala, SMS, MMS, zama ukuba aye engaphaya kwenani elabelwe, kungenjalo kuya kubizwa intlawulo iindleko ezongezelelweyo.

Indlela yokonga kukuthenga?

Ukuphonononga umbuzo nendlela ukufunda ukugcina imali kwaye wonge imali, siya ukuqonda kwi nokuthenga esizenzayo. Apha yonke Kulula, wena kudingeka nje ukuba balandele imigaqo. Yinto akukho mfihlelo ingubo, nto wathengisa na ixesha zabo, wazithabatha up ezishelifini kunye isaphulelo enkulu (rhoqo malunga-50%). Kuyimfuneko ukuba asebenzise olu lwazi.

Oko kukuthi, ehlotyeni ufuna ukuthenga iimpahla zasebusika kunye nobusika - ehlotyeni. Oku kukuvumela ukuba ugcine okulungileyo.

Enye amacebiso amahle ngendlela ukufunda ukugcina imali kwaye ugcine - akukho mfuneko yokuba kwenziwa kwi zentengiso. Akukho azisoloko ukuthetha inyaniso.

Ungaba umzekelo 'etyeni: on TV badla athi: "! Ukutya yethu inja kuye ezingcono" Ngubani uhlola ukufunza kwaye ithi le imnandi? Abantu bathi ngokwabo okanye inja? Ukubalisa nentengiso ibisoloko lukholelwe.

Ngokufanayo, izinto kunye namayeza. Kakade ke, kukho izixhobo yokungenisa, apho akukho analogue kweli lizwe. Kodwa kukho abo abangekho ngaphezu kwamanye amazwe. Baye umqobelo efanayo esebenzayo, kodwa ngenxa yezizathu ezithile, intengiso kubangela abantu ukuba bathenge imali eninzi kakhulu, kuba becinga ukuba zithembeke kangaka.

Thina Ndonwaba nengqondo

Yiya phambili, kungona befunda indlela yokonga imali ze wonge imali. Into yenkcitho aluwafaneli kanye ngaloo nto ingenakho kunqunyulwa ngokupheleleyo, yaye musa ukuchitha imali kubo.

Kodwa oku kwakuya kuba kuphela xa imali kunqaba. Kwezinye iimeko, awukwazi hlaziya izimvo zabo nokuzonwabisa ukuba babheje eqolo.

Umzekelo, oku kunokwenzeka endaweni ukulungiselela disco iqela kunye nabahlobo ekhaya - akukho mfuneko ukuhlawula kunye amatikiti, kunye nekhitshi kunye nesiselo ayibizi kakhulu.

Ukunciphisa ezinye iindleko

Awukwazi ndilibale yonke into zibangelwa iindidi ezithile. Amaxesha amaninzi ebomini, kukho amaxesha xa ufuna ezinye uhlobo inguqu, kwaye ke ngoku. Kwiimeko ezinjalo, kubalulekile ukukhumbula nje ukuba abo engange 50-100 olichitha, kunokuba luncedo kuwe kwimibandela ezibaluleke ngakumbi.

Ngoko ke, siye wajonga iindlela zokunciphisa ngayo iindleko zabo. Siphendu- baza kuphonononga ezinye iindlela zokonga imali, ukunceda uhlanganise iphupha lakho.

Iindlela zokonga imali. Tips

Eyona nto ibalulekileyo - ukuba ukuseta umsebenzi ecacileyo kwaye amisele ixesha ukuphunyezwa kwayo ngokusekelwe yengeniso yabo. Kakade ke, loo mntu uya kuba nako ukusindisa i Rolls Royce entsha, ukuba umvuzo wakhe amawaka 40. P. ngalinye ngenyanga. Ngoko ke, simele ngokunesidima bahlole izakhono zabo.

Siza kujonga indlela ukufunda indlela yokonga imali abanemivuzo uNothozamile. Ukuze wenze oku, kufuneka uqonde kangakanani ungagcina qho ngenyanga, ngokulandela iindlela zichazwe ngasentla. Emva koko bala malunga nemali ukuba ukulungele ukuhlawula ukuthenga okanye uhambo, ehlelelwe, kwaye wabelane ngalo imali oyongele ngenyanga.

Ngenxa yoko, niya kwazi ukuba kufuneka kangakanani ukugcina ukufezekisa le njongo. ngenxa Iyandikhathaza? Zambini meko - okanye uqale ukulondoloza esebenzayo ngakumbi okanye bafuna imithombo eyongezelelweyo yengeniso.

Kwakhona, musa ukulondoloza imali phantsi komqamelo. Ukuba ufuna impendulo umbuzo malunga nendlela ukufunda indlela yokonga imali kunye encane, ngoko ukuvula i-akhawunti ebhankini. semthethweni kwalo kufuneka efanayo ixesha ukuba uceba ukuphumeza le njongo.

Yaye kude ebhankini uya kuba ngcono. Vula nkqu ebhankini enye, yaye ezimbalwa kwiindawo ezahlukeneyo kulo mzi. Ngoko ungenza abo isaziso ngumnqweno ngokukodwa abukhali tirhisa kanye imali wayiqokelela. Ukungathandi ezula ejikeleza kwi isixeko uwonke yabantu nje avuthuze umnqweno ukuchitha imali elingathathwanga kwisithuba seenyanga eziliqela.

Akukho xesha makasizalise idiphozithi wayo? Qhagamshela kwisevisi debit ngqo card lomvuzo wakhe. Kuyinto elula kakhulu ukuba ukusebenzisa i Ukutsalwa oluzenzekelayo. Ungakhetha ipesenti okanye isixa iseti njengoko ukuvumela ibhanki uphetha ngokuzenzekela engange kwi Bill ukuya ixabiso eliphela kwishumi. Ewe, kwinkulungwane xxi kwaye oku kunokwenzeka.

Yaye ngokuthe ngcembe, kwaye kakhulu imali yakho pocket uya kutsala imali. Savings akhawunti kwakhona kulula ukuyisebenzisa nokuba ibhanki uya kuba kuyo ze uhlawule ngaphezulu ngokohlobo dipozithi umdla. Kakade ke, aninako ukwenza imali kubo, kodwa ukunciphisa ifuthe kwamaxabiso kwimali zazo kunokwenzeka.

Le nkcazelo ingasentla kuya kukunceda ufunde ukuba ufunde indlela ngokonga imali ze wonge imali. Le program kakuhle, kufuneka kuphela umnqweno kunye namandla okuzimisela.