Indlela ukuyeka ulahla imali?

Uzama ukucombulula iingxaki zabo kunye neendleko ngokugqithisileyo? Mhlawumbi, ngokuba le emkhenkceni amakhadi abo amatyala, musa ukuhamba ngaphezu kwiikhilomitha ezimbalwa ukusuka kwisixeko babo, azivelele iindawo anokuthi banilahlekisayo nge ukuthenga ezintsha. Kodwa ngandlel 'nani nangoku musani gingci ibhajethi yakho nyanga zonke. Lixesha lokuba kanye nabo bonke balahle umkhwa yokwenza inkcitho ukungxama.

Ukonga amandla kunye namandla okuzimisela

Ingxaki apho uninzi kwiBhunga kolawulo inkcitho ukungxama kukuba akukho zijolise kwizinto ekunene: amandla yakho. Kakade ke, kuya kuba luncedo ukunciphisa ngokoqobo amakhadi abo amatyala, kodwa loo nto ayithethi kunciphisa inyaniso yokuba usafuna sinokuhendelwa yokuthenga izinto. Certified kumhleli zemali Carl Richards ucebisa abantu ukwenza isithuba phakathi isivuseleli (ngokwentshukumisa yakho kuthenga, umzekelo, igajethi omtsha ukuba akukho mfuneko) kunye impendulo (isigqibo sakho malunga ukuthenga igajethi). Ngamanye amazwi, akukho nje malunga ekuphepheni umlawuli angxamele okanye ukuphelisa imiphumo, kodwa malunga ekulweni. Ukuba ufuna nyani buncothulwe ingxaki kwi amathupha, kufuneka unikele ingqalelo amandla akho okumelana ngoncedo ezi ngcebiso zilandelayo.

ulinde

Yiyiphi eyona ndlela ilula yokuvavanya lokulola nokuzimisela kwakho? Fumana ngokukhawuleza.

Zama ukusebenzisa into ebizwa ngokuba "Silawule 100 zeerandi." Xa ufuna ukuthenga into oxabisa i $ 100 okanye ngaphezulu, ukunyanzela ngokwakho ukuba ulinde ubuncinane ngeveki. Ngaloo ndlela, uya kuba ixesha lokucinga malunga nokuba ufuna ngenene le nto, okanye isigqibo sakho ukuthenga oko ukungxama. Wena uyakwazi ukunyenyisa inani ukuze zilungele mali lwakho. Mhlawumbi yaphuka kuwe, nkqu kuthengwe ezingavumelekanga $ 25 yebhajethi yakho. Emva koko, wazenza i "UMthetho zeerandi-25." Okanye, mhlawumbi, $ 100 - oku ayikho imali engaka yebhajethi yakho. Cool, koko wazenza i "Rule of $ 1,000."

Eyona nto ibalulekileyo apha kukuba nje ukuba uzinike ithuba lokwenza isigqibo bayazi malunga iindleko efanelana lwabiwo mali lwakho. Ukongeza, uya kufumana ibhonasi: xa nilinda, uzinike ixesha ukukhangela ngezaphulelo ezongezelelweyo okanye ukhetho engcono.

nendleko eziphantsi

Nangona, Kakade ke, imali ukungxama akakwazi kuhlala enkulu. Ngamanye amaxesha unako ukuthenga into yokuqaba wakho engafunekiyo xa ndiphuma okanye kwimeko entsha ifowuni kwi Amazon. Ukuthenga ezincinane, ezifana nezi, unako ukulandela le kulawula "10/10". Ukuba ufuna ukuthenga into ezixabisa $ 10, bachithe imizuzu eli-10 ukuya ukucinga ngesi sigqibo. Ukuba into ixabisa ngaphezu $ 10 kwaye nangoku musani ukukholwa ukuyithenga, kufuneka uye emva phezu kwithala. Kuba lithenge onje, lo mgaqo usebenza ngokwenene. Kwakhona, uyakwazi uguguqula kancincane mali ukuze zilungele imeko yakho.

Ukongeza, kufuneka ucinge malunga Amazon ukucinga. Le nokwandiswa Chrome, leyo ilungele iimeko ezinjalo. Xa ucofa kwi Amazon, ukuba uthenge into, ukwanda kwenza ukuba ulinde imizuzwana 30, ngoko utsho ukwazi ukucinga malunga nokuba ufuna ngenene ukwenza lo kuthenga. Ngesiqingatha somzuzu - akukho elide kakhulu, kodwa ke ngamanye amaxesha Akwanelanga ukuba wena uzothenga.

Jolisa injongo zemali

Ukuba uzibekela usukelo, oko kuya kukunceda kakhulu ukuba ziyeke ukuthenga ukungxama. Xa ugcine up into lula kakhulu ukuba sixhathise isilingo ku tirhisa mali, kuba uyakwazi ukuthatha imali ukungxama njengotshaba iinjongo zakho zemali. Ngokomzekelo, ukuba ufuna ukuphelisa yonke amatyala ngo July? Kodwa le izicathulo ezintsha akayi kunivumela ukuba uyenze le nto phambi September.

Ukuze wenze oku, kukho nkqu technical elide: iindleko ithuba. INVESTOPEDIA umisela iindleko njengoko 'ukulahleka enokubakho iingeniso kwezinye iindlela xa ukhetha omnye wabo. " Kule meko, into unako kuqwalaselwa njengendlela ixabiso apho unika xa usebenzisa imali yakho ukuthenga into oyenzayo akufuneki nganto.

Musa ukukhangela kuwe njengexhoba

Kungenzeka na apha elingundoqo. Kodwa nantsi eyona nyaniso: xa kufuneka ukukhanyela ngokwakho izinto musa ngokwenene kufuneka, ke ngoko, njengoko umthetho, uziva ngathi lixhoba. Akukho mntu uthanda ukuba ube lixhoba. Kodwa ukuba une usukelo zemali, uya kukwazi ukuguqula i "umnikelo" kungenzeka. Emva koko uya kuba nako ukusebenzisa imali yabo kwizinto ezilungileyo. lula kakhulu ukuba ulawulo imali yakho xa ungabona yintoni iingenelo kuya kuwe.

iindleko Plan

Abantu abaninzi kuqalwa ukucwangcisa ibhajethi yakho, zazi ngamandla yabo intando. Bakholelwa ukuba bakwazi ukujongana nayo yonke isilingo ukuba bachithe imali, ngoko musa isicwangciso naziphi na ezinye iindleko ukuba musa awele udidi amatyala okanye amatyala. Uyakwazi ukuqashisela ukuba yintoni oko kukhokelela. Kulo mzekelo, ngokuqinisekileyo ngaphezu mali yakho, kuba akukho ngqiqweni. Kwaye nje ukuba uwaphule ibhajethi yakho, wena sele endleleni neendleko kakhulu.

Oku kuthetha ukuba kufuneka isicwangciso yebhajethi yakho. Singalibali ke ukuba imali - yinto nje isixhobo. Kufuneka usebenzise ngayo! Akukho nto iphosakeleyo ukuchitha imali into oyithandayo, eyona nto ibalulekileyo - kukufunda ukwenza iindleko qhinga ezinjalo. Ngoko ke ungazifumani nje izinto ozifunayo, kodwa kwangaxeshanye akuyi kuba isingqisho mad ukuchitha imali.

Yenza mali encinane inkcitho okanye ufake enye udidi kwibhajethi yakho. Akukho mfuneko hambana-hambana, kakade. Oku akuthethi ukuba unako ukuthenga ezinye lwempilo ebizayo. Yinto nje imali encinane imali uyakwazi ukuchitha, xa ufuna ukwenza udandatheko into. Ngaloo ndlela, uya kuba imida kunye nezikhokelo, ukuze ukwazi 'splurge "ngobuchule. Ungakhetha naliphi na isixa-mali.

Zama iminqweno yakho

Ukwanceda ukuchitha imali kwizinto ozithandayo, kungekhona abo ukuba uthanda nje. Ngoko ke, ufumana ngakumbi iindleko zakho. Yahlula iindleko zakho zibe ziindidi ezimbini: into oyithandayo nento ongayithandi. Ziziphi izinto othanda ukuchitha imali, kwaye tirhisa yona phezu koko nje oko? Hi xikombiso, u nga ha ungathanda ukuchitha imali iingubo, kwaye nithanda ukuba uzisebenzise ukuhamba. Nika phezulu ukuba nje uthando, yaye endaweni ingqalelo inkcitho yakho kwizinto ukuba uyabathanda. Oku kuya kunceda ukhula ngaphandle abazithengileyo ngokwentshukumisa, uya kuzisola ngazo kamva.

Nantsi indlela isayithi Phroogal mali ithi: "Thatha inyawo emva kwaye uzibuze: zingaphi nokuthenga lwakho ukuba ube nje? Bekuthi? Wena wedwa. Cinga nje ukuba imidiza utshaya ngosuku ngalunye, okanye isiselo yekofu ivenkile yekofu kufuphi kwi-ofisi, akuhluthe imali yakho, anisindise na ukuba imali ukuya kwi iholide. Uyakwazi ungakhalaza ukuba awunayo imali ukuya kwiholide, kodwa kwangaxeshanye kuqhubeka ukuthenga izinto musa ngokwenene mfuneko kakhulu, endaweni zokonga ngenxa yintoni ngokwenene ungathanda ukuhamba. "

Beka imida

Ukuzama ukomeleza ukuzimisela kwakho kusenokungabi lula. Inxalenye yale nkqubo kukuseka imida yayo. Akukho mntu oovimba mda kokuzimisela. Noko ke, unako mhlawumbi ngaphezulu ucinga ngaphezu. Phezu kwazo nje iingxaki, kuyimfuneko ukuba funda ukubeka indlela le mida, ingakumbi xa imali ubani enokuthabatha inxaxheba. La macebiso kunzima ukuphumeza, kuba ingqalelo ukuzeyisa, kodwa ekugqibeleni kusenokwenzeka ukuba ahlawule (ngokoqobo).