Imali, Personal Finance
Indlela ukufunda ukulondoloza imali?
Umbuzo njani ukufunda ukonga imali, siyasebenza ukususela kumaxesha amandulo. Kwaye kubonakala ukuba yonke imihla ukubaluleka kwayo lukhula.
Kumashumi eminyaka eyadlulayo, xa amaxabiso awuyitshintshanga kule minyaka, kwaba lula ukuqokelela isixa eziyimfuneko kangangeminyaka eliqela. Namhlanje, akunakwenzeka: ukunyuka njalo iirhafu, ukwanda kwamaxabiso "badla" yonke imali, ngaphandle kokuba ithuba eyiguqula ibe yorhwebo.
Ngoko ke yintoni ntoni? Indlela ukufunda ukonga imali, ukuba uthenge ngayo izinto, xabiso lazo elo likhulu kune ingeniso yenyanga?
Kuba oku kuyimfuneko, kuqala kwiinto zonke, ulungise iindlela zakho kunye. Kuba iya kuba ulawulo zonke iindleko zayo, yaye mhlawumbi ukutshintsha iimfuno zabo.
Phambi kokuba uphendule lo mbuzo, ukuze bafunde indlela yokonga imali, kufuneka baphendule enqamulelayo, kodwa hayi ngaphantsi kwe umbuzo olula: "Kutheni?". Ukuba uza konga kuphela ukuba ukuthobela ubume eziphathekayo ummelwane, kufuneka ukuba agcine yokuphila efanayo njengoko kunjalo. Kodwa oku rhoqo akunakwenzeka.
Kodwa ukuba ufuna ngemali yokuthenga izinto ezinkulu okanye nje "ebomini", ngoko ke unako wonge imali.
Indlela ukufunda ukulondoloza imali? Okokuqala kufuneka ukuba uthathe iphepha aze enze uluhlu iindleko eziyimfuneko kunye ingeniso ukuba unayo. Yintoni na iindleko eziyimfuneko? Imali ukutya, iikhemikhali indlu, zokuthambisa kunye namayeza. Ngaphandle ukufunyanwa yabo ayikwazi ukukwenza. Kodwa bachithe ngemali ngaphantsi ukuthenga yabo njalo. Ukuze siqonde indlela yokonga imali, funda amazwana iimpahla ukuba usebenzise rhoqo. Musa niphuthuma, oko sipapashwe kumajelo osasazo. Ngaba ubusazi ukuba, umzekelo, ishampu "enjini", nto leyo ixabisa amane okanye ezimakhulu mahlanu, eneneni kakhulu ihlanjululwa kunye nokwakhiwa eliphekwe, ithengiswa ezivenkileni lwezilwanyana? Hayi, musa ukubiza kuthenga zokuthambisa apho, kodwa indlela lokuthelekisa zililo kweentegiso kunye nezo ithengiswa ezivenkileni zokutya, kuyimfuneko. Khumbula: i yorhwebo ngakumbi kubaneka kwikhusi, kokukhona malini.
Uluhlu efanayo lweendleko add bancome izipho, ukuzonwabisa, ilizwi, ukupeyinta exhaustively yonke inkcitho elizayo. Kwaye uze unamathele imithetho ethile.
Thenga essentials ithetha okuhle kwiivenkile ezizodwa, apho rhoqo kubanjwe kwiintengiso, izaphulelo. Kwanele ukuba bathenge iimveliso ezifana kanye ngenyanga, kufuneka babale kuphela ukuba iqukuqele ngokufanelekileyo.
Indlela ukufunda ukonga imali yokutya? Kuqala kwinto zonke, (ukuba kudala kwaziwa oko), nina aninako ukuya evenkileni olambileyo. Uluhlu lwemveliso kufuneka kwangethuba. Kholwani ndim, ekuhambeni kwexesha uya kusetyenziswa nokuzeyisa kwaye musa ukuyithenga ukuba wayefuna ntoni kanye ngoku. Kanye kudidi yangaphambili kwempahla, iimveliso zingcono ukuthenga kwiivenkile ezinkulu elithile.
Ukuze uqonde ukuba bafunde njani ukuba ulondoloze imali iingubo, kufuneka ufunde inyaniso omnye: impahla ostromodnye - kuyinkcitha mali. iduru kakhulu kwaye aphume fashion ngokukhawuleza. Kubhetele ukuba bathenge ezimbalwa izinto ezaziwa Obusemagqabini ubunjani. Baya kuhlala ixesha ngaphezu kwesinye, kodwa unako yokuzincedisa kunye nezincedisi fashion ezingabizi.
A amagama ambalwa kufuneka athi malunga ethenga. Amaninzi, iimpahla ezithengiweyo kwi website yomvelisi, kutshiphu kakhulu evenkileni.
Okokugqibela, le elandelayo, umzuzu ezifuneka kakhulu. Gqiba ukuba wena uze ubhale phantsi imali ufuna ukugcina ngenyanga nganye. Hlala kuyo, musa ceba ukuzithethelela. Kunzima: Ngaba usoloko ufuna ukwenza kwakhona ukuya imovie okanye ukuthenga ibhotile champagne olubiza kakhulu. Yenza ukhetho: kunandipha iingenelo ngoku okanye kwixesha elizayo.
Khumbula: wakuba isigqibo sokuba uza kuba nako ukuqokelela isixa, okanye wamitha kwakhona "alukhawulele" imali yokuhamba ukusuka ummelwane.
Nciphisa wena, isicwangciso, ucinga - yaye uya kukwazi ukuphucula ngokomgangatho umgangatho wobomi babo.
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