Balancing mali

Lidla sisiva into enjalo njenge "mali elungeleleneyo", kodwa wonke umntu uyazi ukuba yintoni na. Kweli nqaku uza kufumana iimpendulo emininzi imibuzo yakho enxulumene kule kota.

Njengoko iyaziwa, uhlahlo lwabiwo-mali yahlulwe ezimbini apho amaqhina oqhagamshelwano - ingeniso kunye nenkcitho. Xa bayalingana, izibophelelo inkcitho musa ukudlula ezingenayo, ibhajethi ingabizwa elungeleleneyo. Income kulo mzekelo uphathelene isixa asolwa phezu mali kwexesha, kuquka ukuboleka evela kwamanye amazwe, imibutho, njalo-njalo. D.

Uhlahlo lwabiwo-mali elungeleleneyo - ngundoqo ukuchuma lizwe lilonke ngamnye ngokukodwa. Ukungalingani nakancane inokukhokelela eziliqela iziphumo ezibi: ukuphazamiseka ngemali mali amaziko, iingxaki kwemali kwamatyala yangaphandle, asemva iintlawulo kuqoqosho lwesizwe, ukuhla kwamandla emali wesizwe, ukusilela odolo zikamasipala kunye karhulumente, kwaye ngaphezulu.

Ukuba kwemali angeniswe kunene ingeniso inxalenye indleko, ngoko oku kuthathwa surplus. Ngophanya nje lweliso, kusenokubonakala ngathi oku isenzeko positive. Kodwa enyanisweni, ukubambelela kulo mbono, ukwanela ukusetyenziswa kwemali sebhajethi lifinyele, ukuze kwandiswe ukusebenza umthwalo kuqoqosho, ngaloo ndlela ukuzinyanzela ishishini, sehlise uphuhliso okanye ekhokelela ungonakala. vivo kakhulu inxalenye inzuzo kudla ngokukhokelela neziphumo ezibi.

Ukuba inkqubo zisenza yenkcitho mali izibophelelo ngaphezulu isixa-mali esiqikelelwayo yengeniso, loo nto ithathwa awukho. Oku kwenzeka xa uphuhliso loqoqosho kweli lizwe kukuba kude emva iimfuno kunye neemfuno zoluntu. Ngenxa yoko, urhulumente uqalisa ukuba ukwehla kwezoqoqosho. Ngenxa ukukhululwa imali eyake kwandisa kwamaxabiso. Zithandwa kakhulu ngexesha lethu, iindlela ukuqhuba mali elungeleleneyo (iirhafu eziphezulu, iintlawulo eluncedo, njalo-njalo), kukhokelela ekubeni isibakala sokuba inxalenye ebalulekileyo ishishini iya isithunzi, ukwanda capital isithunzi. Njengoko icala loluntu nokwamkelwa intsilelo mali, iindleko yokhathalelo lwempilo kunye nokhuseleko loluntu yabemi ziyancipha kakhulu, kwanciphisa iintlawulo imfundo kunye neenkqubo yokulwa ngqesho. I iyonke umgangatho wokuphila wabantu uyawa.

Kwincitho mali, kuxhomekeke kwixesha isakhelo inokuba elifutshane (1), eliphakathi (phakathi iminyaka emi-3 ukuya kwemi-5) okanye ixesha elide (nembonakalo kule minyaka ilishumi). Eli candelo -kwenza ukuba kujongwe kwaye bafikelele kwizigqibo malunga nokusebenza iirobhothi karhulumente.

Ukuze kwincitho mali kuphuhliso wayo kufuneka ibandakanye onke amanqanaba isakhiwo amandla. Iindlela eziphambili esetyenziswa kwi mali, zingahlulwa zibe ngamaqela amabini. Lokuqala - mali elungeleleneyo ifunyanwa ngexesha nokubunjwa kwayo. Yiloo nto ke ulwalathiso kwezibonelelo ekujoliswe yanciphisa kumacandelo apho zifuneka khona kakhulu, eyaneleyo, ukwabiwa kakuhle kweemali phakathi uhlahlo lwabiwo-onke amanqanaba, uhlahlo ukulinganisela kumanqanaba ahlukeneyo angqongqo. Ukufuna entsha imithombo yengeniso, ukuncitshiswa karhulumente kwicandelo lezoqoqosho, kwiimeko ezigabadeleyo, ukuboleka yebhajethi. Konke oku kufuneka ubalwe nezibhaliweyo phambi kokuba ibhajethi samkelwe kwaye uya kuqalisa ukusebenza.

Iqela lesibini - iindlela babhenela ngexesha lokubulawa mali. Ezi ziquka ukubambelela ngokungqongqo imida ezivunyiweyo kwi-mali, inkcazelo ecacileyo imiqathango kwicala inkcitho, indlela manyathelo apho ukuvala izityholo.