Okuqukethwe
Wonke umuntu ufuna ukuphila impilo ecebile, ethokozisayo, futhi angasindi kusukela ekukhokheni kuye ekukhokheni. Cishe noma yisiphi isifiso sidinga imali ukuze sifezeke: indlu entsha noma imoto, umsebenzi wokuzilibazisa, imfundo yezingane, ngisho nokuhamba okulula epaki akuvamile ukuqedwa ngaphandle kwenkomishi ye-latte. Kuyisidingo esingokwemvelo ukuphila ngokunethezeka. Futhi kulokhu kugaya kunezinyathelo ezingu-8 kuphela ezilula zokufinyelela ingcebo nokuchuma.
1. Lungiselela ukusebenzisa imali
Asikho isidingo sokuyeka konke ukuthenga ngesikhathi esisodwa, kodwa ukugcina idayari yezindleko zezinyanga ezingu-2-3 kuzokuvumela ukuthi ubone ukuthi inqwaba yemali isetshenziselwa ini. Hlukanisa zonke izindleko zibe izigaba eziningana: ukudla, izingubo zokugqoka, izikweletu zezinsiza, ezokuthutha, njalonjalo. Uhlu kufanele lukulungele.
Phakathi naso sonke isikhathi lapho ugcina idayari, ungazami ukuyihlaziya noma ukuzithethisa. Vele ubhale phansi zonke izindleko ngendlela ehlelekile, uzibeke esigabeni esifanele. Ngemva kwezinyanga ezingu-2-3, uzodinga kuphela ukubheka ngokucophelela idatha ewumphumela. Uma umphumela ukufanela, kuhle. Uma kungenjalo, cabanga ngalokho ongakuyeka ngaphandle kokuzilimaza ukuze unciphise ukusetshenziswa kwemali.
2. Khulisa iholo lakho
Ngakho, isinyathelo sokuqala sesithathiwe. Ulungise izindleko zakho futhi wayeka ukusebenzisa imali ezintweni ezingadingekile futhi, okubaluleke kakhulu, ezintweni ezingajabulisi. Kodwa akwenzeki ukuzuza inhlalakahle ngokunciphisa ukusetshenziswa kwemali uwedwa. Isinyathelo esilandelayo kufanele kube ukwenyuka okuhlelekile kweholo lakho.
Hlola iholo lakho lamanje. Qhathanisa nesilinganiso semakethe. Uma uthola ngaphansi kochwepheshe abasezikhundleni ezifanayo, khuluma nomphathi wakho mayelana nephromoshini. Uma lesi sinyathelo singasebenzi, yisikhathi sokucabanga ngokushintsha imisebenzi. Abanikazi bamabhizinisi abo kufanele futhi bahlole ukusebenza kwabo kwezezimali futhi baqhathanise nokusebenza kwezinkampani ezisesigabeni sakho. Uma kukhona ukungezwani okukhulu, kubalulekile ukuqonda ukuthi iyini imbangela futhi uyiqede.
3. Yenza uhlelo lwezezimali
Ubuchopho bomuntu buhlelwe ngendlela ethakazelisayo kakhulu: kunoma yisiphi isenzo sidinga umgomo othize, ngaphandle kwalokho uzobe ulungele ukuchitha amandla kunoma yini, kodwa hhayi kulokho okudinga ngempela. Ngakho-ke, qiniseka ukuthi wenza uhlelo lwezezimali, ngisho olulula futhi olulinganiselwe kakhulu. Nquma ukuthi yimalini oyidingayo nyanga zonke. Hlela ukuthenga okukhulu. Cabangela izindleko zemfundo nokukhulisa izingane, ukwabiwa kwezindlu ezihlukene zazo, noma izimali zokukhokha imali ebolekiwe.
Ungakhohlwa ukufaka okungenani u-10% wezindleko zakho eziphuthumayo ezihleliwe. Kubalulekile futhi ukucabangela ukwehla kwamandla emali - uma namuhla ifulethi lakho lephupho libiza izigidi ezingu-5, eminyakeni engu-5 inani layo lingakhula kakhulu. Uma uhlelo selulungile, lubhekisise kahle. Ingabe yilokhu okufunayo ngempela? Uma ufake ohlelweni izinto ezibekwe imvelo yakho: abazali, abangani, osebenza nabo - uhlelo olunjalo ngeke lunikeze ugqozi olwanele.
4. I-airbag ayiyona into ewubukhazikhazi, kodwa iyisidingo
Futhi manje kancane mayelana nezimo ezingalindelekile. Akekho othanda ukucabanga ngokubi, kodwa izenzakalo ezihlukahlukene zenzeka ekuphileni, futhi kungcono ukuzibona kusengaphambili. Ungase ulahlekelwe umsebenzi noma ugule. Isiqandisi noma imoto yakho ingaphuka. Kodwa izimo eziphuthumayo akudingeki zibe nemibono engemihle. Ungathola umsebenzi ongalindelekile kwelinye idolobha ngokukhushulelwa iholo, kodwa udinga imali ukuze uhambise. Noma ingabe unomshado ohleliwe futhi udinga imali kuwo?
Kungakhathaliseki ukuthi kwenzekani, i-airbag izokusiza uzizwe uqiniseka ngisho nalapho kunoshintsho, kungaba ushintsho oluhle noma olubi. Usayizi ofanele we-airbag izindleko zakho zanyanga zonke ziphindwe nge-factory of three to six. Ngamanye amazwi, le mali kufanele ikunikeze izinyanga ezintathu kuya kweziyisithupha ukuthi uhlale, noma ngabe yonke imithombo yemali ishabalale.
5. Yenza imali ngokuzilibazisa kwakho
Uyathanda ukufekethisa? Ngokuphelele. Ungaphumi ekhaya ungenayo ikhamera? Okungcono. Noma yikuphi ukuzilibazisa kungaguqulwa kube umthombo wemali engenayo ngaphandle kokuphazamisa ukukhanga kwakho kuwe. Noma yiziphi izinto zezandla zingathengiswa ngezingosi zokuxhumana nabantu, ngokumane uzilayishe ekhasini lakho. Kunezinsiza eziningi zesitoko laphaya zokuthengisa izithombe, futhi othile uqinisekile ukuthi uzokhokha ishothi enhle.
Njengoba lokhu kuzoba umthombo owengeziwe wemali engenayo kuphela, awudingi ukubhekana nezindaba zokumaketha nokuphromotha. Bheka nje ukuthi amanani amancane kodwa amnandi afakwa ku-akhawunti yakho. Uma ziqala ukukhula, kungani ungacabangi ngokushintsha umsebenzi wakho wokuzilibazisa ube okunye?
6. Zibekele imali
Noma yimuphi umuntu ngesikhathi esifanayo uyimpahla emakethe yezabasebenzi. Uma uba nolwazi olwengeziwe namakhono, lapho ubanzi khona ama-horizons akho, inani lakho liyakhuphuka. Kubalulekile ukuthuthukisa hhayi kuphela amakhono esifundweni: ukuhlela, ikhono lokusebenza ngemininingwane noma ikhono lomakhi, kodwa futhi okuthiwa amakhono athambile: ubuhlakani bomzwelo, amakhono okuxoxisana, amakhono okuxazulula izinkinga.
Ukutshalwa kwezimali kuwe, emfundweni nasekuthuthukisweni kwakho kuzokhokha ngokuqinisekile, noma ngokungaqondile. Funda izilimi, hambela izifundo nezifundo eziku-inthanethi nezingaxhunyiwe ku-inthanethi, cabanga ngokuthola imfundo ephakeme eyengeziwe. Ungesabi ukuthatha isinyathelo kude nomsebenzi wakho wobuchwepheshe: ngemuva kwesifundo ekwakhiweni kwangaphakathi, ungase ufune ukushintsha insimu yomsebenzi kanye nempilo yakho yonke.
“Imali iheha imali” kuyiqiniso okunzima ukuphikisa ngalo. Thembeka ngabantu oxhumana nabo nsuku zonke. Bakusiphi isikhundla? Imuphi umlayezo osakazwa emhlabeni? Uma wonke umuntu omaziyo ehlushwa ukuswela imali, nawe uyoqala ucabange ngobumpofu. Uma uzungezwe abantu abanomdlandla abakulungele ukusebenzela impilo evikelekile, umdlandla wabo awunakuhluleka ukukubamba.
Yiqiniso, lo mthetho awusebenzi emndenini nakubangane abaseduze kakhulu. Akuyona yonke into emhlabeni elinganiswa ngemali, futhi akukho okubaluleke ngaphezu kobudlelwane obuqotho nobufudumele. Kodwa uma umuntu odlala indima encane empilweni yakho ekhishwa ngokuphelele ekugelezeni kwezimali - cabanga, ingabe ungaba ngcono ngaphandle kwakhe?
I-8. Tshala imali
Ngisho noma uwuthanda kakhulu umsebenzi wakho, awufuni ukusebenza impilo yakho yonke. Yebo, kukhona okuhlukile, futhi abanye osomabhizinisi abaphumelelayo abazange bawushiye umncintiswano kwaze kwaba sekupheleni kwezinsuku zabo, kodwa ngokushesha noma kamuva abantu abaningi bafuna ukumisa umjaho ophithizelayo futhi baphumule endaweni ethule. Kodwa kuleli holide udinga imali, okungukuthi imali engenayo. Impesheni ngeke ikwazi ukubhekana nezidingo eziyisisekelo, kanti umuntu ocebile ufuna ukuphila ngesithunzi lapho esemdala.
Ngakho-ke tshala imali. Ungesabi ukuqalisa – funda izincwadi ezimbalwa mayelana nokutshalwa kwezimali okuhlukene, khetha ekulungele. Faka imali kumabhondi namasheya ezinkampani ezithembekile, thenga imali. Ungathuswa yizinkinga emakethe futhi ungajahi ukuthengisa impahla yakho njalo uma iwa. Linda. Ngokuhamba kwesikhathi, ukutshala imali yiyona ndlela kuphela yokuthola imali engenayo ethembekile.
Qala ukusebenzisa noma yimaphi kulawa maphuzu ayisishiyagalombili empilweni yakho manje, futhi uzobona ukuthuthuka maduze. Khumbula - indlela eya engcebweni nasekuchumeni iqala ngesinyathelo sokuqala.
