Imali, Personal Finance
Indlela yokonga - ukufunda ukuphatha kakuhle imali
Sonke siyazi - ukuze bazive bekhululekile imali kwindawo yokuqala kufuneka uzame, ukuze angachithi ngaphantsi uze uzuze ngakumbi. Nangona kunjalo, ubomi bonke iphuhlisa ngokwahlukileyo: kuluntu ezahlukileyo, iindlela ekuqaleni ezahlukeneyo ukuze bafumane imali, ngoko kubalulekile nje ukuba babe nako "ukwenza 'imali, kodwa afanelekileyo awanyange. Ngoko ke, indlela ukugcina kakuhle?
ukudla
Ukuba avareji European ummi iindleko wenyanga lokutya yeyona ngereyithi eyi-8-12%, abantu basekhaya ngayo maxa wambi ukufikelela 40-50%. Idla ngokuba into iindleko akavumeli ukuhlaziya ngubo yakho, ukuthenga izixhobo eziyimfuneko okanye ukhululeke usapho. Iindleko ukwenzela ukuthenga iimveliso ayiyi kuba luxanduva njalo -mali usapho, ukuba balandele imigaqo elula. Umzekelo, athenge kuphela iimveliso ekunene - kuba ngaphambi ukuya evenkileni, ungenza uluhlu ahambelanayo. Products ukuthenga ngcono kumaziko ukuhanjiswa okanye iimarike, musa ukulibala kwakhona malunga izaphulelo kunye zesaphulelo iiyure ngokuhlwa kwezinye kwiivenkile.
Zininzi iindlela zokonga imali kwizithuthi. Ukuba usebenzisa izithuthi zikawonke, iyavakala yokuthenga yokupasa ngenyanga. imigama emifutshane kwaye wenze ngcono Kwathi ngeenyawo - zombini luncedo kunye nenzuzo yezoqoqosho. Ukuba unayo imoto yabucala, iindlela ezingundoqo yokushiya, Kakade ke, ukudla kwayo. Indlela ukugcina amafutha? elula kakhulu. Yekani injini kwi ityhubhu - kwaye air cleaner iya kuba akufuneki kwaye ungagcina iilitha amafutha. Kodwa umgangatho oko refuels imoto, ayikho ukonga ixabisa. umonakalo unako ukusetyenziswa amafutha ophantsi ikumgangatho inokuba ngaphezu kakuhle imali.
Okulandelayo, kancinci malunga nendlela ukugcina amandla kunye neminye imithombo, nto leyo eziluncedo ibhili izindleko zenyanga. Okokuqala, abeke (isakhiwo) iimitha yendlu - kutshiphu kakhulu imali rhoqo ngenyanga. Kwakhona, ekubeni uyakwazi ukulawula ukusetyenziswa kwezibonelelo ngokwabo. Ngokumalunga ethile umbane, ngoko kuqala kwiinto zonke, yiya ukusetyenziswa kwezibane ezonga umbane. Ewe, ukuba kancinci ibiza ngakumbi kunesiqhelo, kodwa ke ngelo xesha ngexesha elifanayo izihlandlo eziliqela elide. Musa ukuba kuhambe ukuba bayeke ngeketile yombane. Ukuba indlu zombane, phezu koko, uyacebiswa ukuthenga ngeketile yombane.
iimpahla
Malunga ekuthengisweni kwiivenkile zempahla kunye zezihlangu wonke umntu uyazi. Ulwazi ngokonga imali yokuthenga iimpahla kwi izaphulelo zidla ngokuvela zikwixesha kumaqela e-intanethi, njl It is a impazamo bathi iingubo ezivenkileni yesibini-ngesandla ngokuyimfuneko esezantsi-grade. amaninzi kakhulu kwiindawo ezinjalo kunokuba ukuba okulandelayo kokungenanto kuthenga izinto ezinophawu wathengisa emva kokuba eyekile yi amasiko.
Icuba notywala
Khangela ukuba kungenzeka ngakumbi ukugcina njani? Mhlawumbi impendulo ngokoqobo phantsi iimpumlo zethu. Kulula ukubala malini malini ngenyanga mkhwa. Nika imikhuba emibi, uya kusindisa ukuba imali nyanga zonke, singasathethi iinzuzo kakhulu zempilo.
luck Good kwimisebenzi yakho.
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