Isabelomali somndeni siyindlela yokuphatha imali engenayo yomndeni wakho wonkana. Ukonga isabelozimali somndeni akusho nakancane ukukhawulela wena kanye namalungu omndeni wakho kuzo zonke izingxenye zempilo, leli khono licatshangelwa futhi lisebenzise izimali zakho ngendlela efanele.
Ake sibheke ukuthi singasakha kanjani kahle isabelomali somndeni. Kufanele uqale uzijwayeze izingxenye zesabelomali somndeni, ngoba uma ungenalo ulwazi oluyisisekelo, ngeke ukwazi ukuluhlela kahle. Ngakho-ke, imali engenayo yesabelomali somndeni yakhiwa ngezinto ezimbili eziyinhloko:
- imali eyisisekelo;
- imali eyengeziwe.
Imali engenayo enkulu ingafakwa, ngokwesibonelo, inzuzo etholwa emsebenzini oyinhloko yilungu ngalinye lomndeni. Imali engenayo eyengeziwe isho imali engenayo etholwa umndeni ngomsebenzi owengeziwe, umsebenzi wesikhashana, ezamabhizinisi, ukutshalwa kwezimali, noma imali engenayo evela kulowo mndeni onawo.
Imali esivele isesabelomali sakho somndeni ihlukaniswe yaba yimifudlana eminingi, ngamanye amagama, yaba yizinto zezindleko eziningana, lezi yilezi:
- izindleko zokugijima;
- isikhwama sokubhuka;
- izindleko zokuqongelela;
- isikhwama sokuthuthukisa.
Lawa magama ezinto zezindleko atholwe ngokuya ngezinhloso zawo ezinkulu. Ake sizihlolisise. Izindleko zamanje ziyingxenye yezindleko zesabelomali somndeni osisebenzisayo. Lokhu kufaka izindleko zezinto ezibalulekile:
- Ukudla;
- izikweletu zokusetshenziswa;
- izingubo ezingabizi kakhulu, izicathulo;
- amakhemikhali asendlini;
- izindleko zemoto, uphethiloli;
- izindleko zezingane;
- izinkokhelo zemalimboleko nokunye.
Izindleko zokonga - leli igama lengxenye yemali umndeni oyongela izinhloso ezibucayi, ezibizayo, njengeholide lasehlobo nomndeni wonke, ukuthenga okukhulu, njalonjalo. Isikhwama sokulondoloza yimali oyibekele usuku lokuna kwemvula, uma into enjalo ikhona kusabelomali sakho. Isikhwama sentuthuko yimali efakwa ngumndeni wakho ekwakhiweni kwemithombo ethile yemali eyengeziwe, ngokwesibonelo, ebhizinisini lomndeni.
Ungahlaziya isabelomali sakho somndeni. Izinyanga eziyi-3-4, bhala ngokucophelela yonke imali engenayo nezindleko zomndeni wakho ngokuya ngesakhiwo esiboniswe ngenhla, ungabala cishe, abanye baqoqa amasheke. Ngaphezu kwalokho, kuzobonakala ukuthi ungonga kanjani isabelomali sakho somndeni, yiziphi izindleko ezingadingekile. Lokhu kuhlaziywa kuyasiza kakhulu uma kungekho mali eyanele.
Manje uyazi ukuthi isakhiwo sesabelomali somndeni siqukethe ini. Ungayigcina kanjani ngokufanele? Sizokunikeza imihlahlandlela efakazelwe. Zibheke futhi usebenzise okungenani ezinye zazo ezikufanela kahle kakhulu. Ngokukhawulela ukusebenzisa kwakho izinto ezincane, uzobona ukuthi ungonga okuthile okubaluleke kakhulu. Qaphela ukuthi ukusetshenziswa kwalezi zindlela ezilula zokonga kusiza ekunciphiseni izinto ozisebenzisayo ngo-10-25%.
- Sikukwazisa ukuthi uqale ucabange ngamathuba wokonga amandla. Imvamisa asizilawuli izindleko zikagesi, sibheka inqwaba yemishini yasendlini exhunywe kwinethiwekhi. Kodwa ngemuva kwakho konke, unganqabela ukuwasebenzisa, noma, uma kungenzeki lokho, okungenani ungazama ukufaka kancane kancane ama-light-saving light indlu yonke. Izindleko zokukhanya zizoncishiswa kaningana.
- Uma umndeni wakho unemoto, yisebenzise kuphela uma kunesidingo. Uma unethuba nesikhathi sokuhamba ngezinyawo uye emsebenzini, enkulisa, esitolo, ungavilaphi, kusetshenziswe. Umoya omusha nokuvivinya umzimba kuzoba nethonya elihle ekubukekeni kwakho nakuwallet yakho. Kepha kukuhle kangakanani ukuzitotosa ngento encane entsha ekhabethe lakho, ikakhulukazi uma isayizi eyodwa incane kunezinye.
- Uchitha isikhathi esingakanani ocingweni? Buyekeza izinhlelo zamanani opharetha beselula, zinikela ngamanani athengekayo futhi ahle kakhulu cishe njalo ngesizini. Xhuma i- "Unlimited on-net", "Inombolo eyintandokazi" uma uvame ukukhuluma nabantu abafanayo isikhathi eside. Akukho lutho ongakusho nge-Skype.
- Akunasimo ungazincishi ukuphumula. Khipha wonke umndeni uye kuma-movie, i-rollerblading, ukushushuluza eqhweni, ukushushuluza, ukubhukuda echibini, nokonga imali, kwenze, uma kungenzeka, phakathi nezinsuku. Ambalwa amakhasimende ngalesi sikhathi ahlinzeka ngokonga okungu-10-15%, ngokungafani nezimpelasonto.
Ngokuvamile, ungahlala uthola indawo yokonga okufanele. Isabelomali sakho sizohlomula kuphela kulokhu, uzokwazi ukuzivumela wena nomndeni wakho injabulo encane. Vele kuyalulekwa ukuthi uzame ukukhulisa imali ngasikhathi sinye ukuze uthole okuningi. Kepha, njengoba okuhlangenwe nakho kukhombisa, ngokwemali engenayo nezindleko. Njengoba imali ikhuphuka, kanjalo nenani lezinto ochitha isabelomali sakho kuzo. Izeluleko zethu zizosiza labo abafuna ukusebenzisa kahle imali yabo etholakalayo.