Home economics. ulawulo Personal Finance. Indlela ukuqhuba mali ekhaya

Ekhaya economics unomdla ngokukodwa abo baye basinda ukusuka elugcinweni lwabazali babo yashiywa isonka free. Ukuba ngaphambili ke okona kubalulekileyo nomama notata, kodwa ngoku kufuneka sikwenze mfana. Nantsi i ulawulo Personal Finance, kwaye kuya kuxoxwa ngazo kweli nqaku.

ulwazi jikelele

Ekhaya economics ithetha isigqibo evela imiba yezoqoqosho kunye zobuqu neengxaki ngeendleko kwezibonelelo ezikhoyo. Izinto eziza kuqala izidingo zabantu komzimba - amanzi, ukutya kunye nokulala. Emva koko kufuneka ukusombulula umba intuthuzelo - ntoni ukuba banxibe ukuhlala lifudumele, nalapho ukuze baphile. Oku sisiseko ubuncinane, ekufuneka isonjululwe ukuze khona ngokukhuselekileyo. Kakade ke, unako phakamisa imibuzo ngakumbi ekuphumleni, nokuzeyisa lokuphumeza, self-uphuhliso kunye nezinto ezininzi ezahlukeneyo, kodwa ngoku kuya ukugxila ekudleni, ukulala, amanzi kunye nempahla.

Ngoko ke, ukuba umzimba akomelela, kufuneka ulungise nokutya okumnandi. Kufuneka kwakhona amanzi ezisebenzisekayo. Konke oku kuyimfuneko ukuxhasa utyalo-mali. phantse-Home Economics nalo nanini na iingxaki, kuba imali kuba nangoku akuyongxaki. Kwimeko kakhulu kunokuba ukulima ukuze akhule ukutya ngokwabo. Kodwa thina unomdla, yintoni ukuyithenga ngqo. Ukuze ugcine Personal Finance, kufuneka sibe nomdla Fairground, apho thenga ekhuliswa ekuhlaleni phezu komhlaba, iitapile yabalimi, ikhaphetshu, umbona, nezinye izipho zomhlaba. Ukongeza, le ndzo eliphezulu abathengisi nokuthengela ngqo kubavelisi igalelo into yokuba kunokwenzeka ukuchitha imali encinane. Oku inika imali-mali yekhaya.

amanyathelo okuqala

Kodwa ukuba zilungelelaniswe njani ngokupheleleyo home economics? Kukho kuchatshazelwa kakhulu kwisicwangciso, ifoun kunye nolondolozo. Sidla sithanda unqwale kwicala labantu yaseMelika. Yiloo nto nje ingqalelo yabantu abaninzi okuhamba yokuba ithi akhiwa umsebenzi onzima zemibutho ulondolozo. labantu abaninzi isizukulwana yokuqala - abantu ibekele bucala imali yomhlala-phantsi yabo baba zizityebi kuphela ubudala oqolileyo. Ngoko ke, ngaphambi kokuba ulawulo lwemali lobuqu, kuyimfuneko ukwenza amanyathelo embalwa yokuqala:

1. Yakha nokugcina kuzo imali yentsapho. Kufuneka ufunde iindlela ezisisiseko nokuqhuba ulawulo zonke iindlela, cinga eziluncedo, bawo, kwaye uqinisekise ukuba le nkqubo akunqenekile okunene kum nengenakusebenziseka.
2. Kuyimfuneko ukuba anikele ingqalelo ekhethekileyo ingeniso neenkcitho kuwa phezu imali yentsapho. Kwaye kunqweneleka kakhulu lowanyathela ngokweendidi ukuba aququzelele inkqubo yakho accounting.
3. Kungcono ukuba baziqonde eneenkcukacha apho kuchithwa imali. Ukuze wenze oku, kufuneka sibe nazo zonke iindleko. Kakade ke, ukuba uyenze le ubomi bam bonke ayikho imfuneko yoko, kodwa ungahlala kule mode iinyanga eziliqela ukuze babe ingcamango jikelele. Kwaye mhlawumbi, ukuba kuya kuza ukuqonda ukuba ezinye izithuba kukho imali eninzi kakhulu.

Oku kuyinyaniso ingakumbi kwiinyanga ezintathu zokuqala ubomi elizimeleyo.

Ukucwangcisa, kunye nokwenza

Ngoko ke ngoku kufuneka ukulungiselela ukugcinwa ekhaya. imali, ngelishwa, kaninzi ukuxolela iimpazamo, yaye oku kufuneka ithathwe imbopheleleko enkulu. Ekuqaleni, kufuneka nihlolisise ezi nokuphuma kwemali ezivelayo kumntu okanye iqela yoluntu. Emva koko kufuneka wenze izicwangciso. Apha kufuneka ukuba ukhethe kwixesha elifutshane nelide. Olokuqala isicombululo kwiingxaki ezikhoyo ngoku kwaye akuyi ndawo. Ngoko ke, kufuneka uhlawule imali yezinkonzo, ukutya kunye zothutho iindleko. Kuko konke oko kuyimfuneko ukuze bakuthathele ingqalelo kwaye uqiniseke ukuba ukubonisa imali yentsapho zexesha elifutshane. Oku kuya kunceda ukwakha mali elungeleleneyo eya kuhlangabezana neemfuno ezingundoqo. Kuthekani ethubeni? Apha kufuneka zihlelwe nguye lowo umnqweno ukuba. Ngoko ke, xa uzibekela usukelo lokuba usomashishini kunye ingeniso dollar multi-million, ngoko ke kufuneka uthathe unonophelo lwesiseko. Ngamanye amazwi, ukuba kuyimfuneko ukubonelela ukuba izimali ezithile zobuqu zazisiya kwi-akhawunti idipozithi ethile ebhankini okanye noomatrasi ukuba retrieval kamva ngexesha elifanelekileyo, xa ndiqalisa ubomi obutsha iza kunikwa. Ukuze kuhlolwe amandla abo, ungenza ekuqaleni ukudala iintlobo ezintathu mali: nethemba, esengqiqweni silahle, uze emva koko ukuze bahlole into kungcono ifunyenwe, yaye benze kwanaxa sikhokelo izixhobo ezisetyenzisiweyo ngaphambili. Nangona indlela triple enokusetyenziswa kwixesha elizayo, ukuba simisela ukuba kuyimfuneko nolusebenzayo.

Ngaloo ubhejo efanayo ngokwemiqathango nomncedisi?

Uyakwazi ukugcina idatha yokubhala (ileja) okanye ikhompyutha (PDA okanye smart). Yintoni ukukhetha? Nemeko yokuqala kubhetele ukusebenzisa kuphela kwiimeko apho bombane ayikho ngenxa yezizathu ezithile. Kule meko ke ayanelanga ukuba itsalele imiqolo emithathu: ingeniso, inkcitho, iyonke. I ezimbini zokuqala kufuneka ukubonisa imisebenzi ezibe kwenziwa, kwaye eyesithathu - yokubuyisana. Gqitha elektroniki kuthiwe ukuba kuyimfuneko ukuba iinkcitho recording lula ngakumbi umsebenzi phambili kunye nabo (nangona kukho nabani). Iinkcukacha kule kuya ame sinikele ingqalelo kuphela nemisebenzi embalwa kakhulu luncedo:

1. Ingxelo. Oku kuluncedo kakhulu kwaye umsebenzi obalulekileyo. Le khompyutha ikuvumela ukuba ukusebenza ngokukhawuleza idatha kunye ingxelo kuyo kwixesha elizayo ekuhlalutyeni ngempumelelo. Kwaye ngenxa yokuba yonke ingcaciso ayifumene ingahoywa ngempumelelo.
2. Ubukho kweendidi eziliqela akhawunti. Kuyinto elula kakhulu ukuba anikezele idipozithi eyahlukileyo ebhankini, imali yentsapho, iimali macala kunye nezinye mathuba zokusebenza.
3. Planning. It ikuvumela ukuba wenze ezibalelwa iindleko kunye neentlawulo elizayo, ukuze ukwazi ukuveza i imeko eya kubakho emva kwexesha elithile.
4. Ukubalwa kwenzala kwimali-mboleko kunye needipozithi. Yintoni ke sithi - mnandi kakhulu ubuye nto.
5. Ukulawulwa amatyala. Ukuze ngokuchanekileyo ibonisa imicimbi yemali apha kubhalwe nezo wayethabathe mboleko. Lo msebenzi akavumi ukuba ukulibala, lowo wamkela imali kwaye ngubani na okunike kubo.
6. ukhuselo Data. Zonke ibekwe iinkcukacha kwinkqubo ngokweentlanga kufumaniseka ukhuselwe prying emehlweni password oluthembekileyo.

Software Uncedo (software)

Abantu abaninzi bayazibuza ukuba indlela yokuqhuba eziphathwayo mali ekhaya. A isampuli yale ndlela, nangona, yaye sifanele imbeko, kodwa ngayo kuneengxaki zawo, kwaye ngokubanzi, oko akusebenzi. Nangona notebook likuvumela ukuba wenze i data ngaphantsi iphupho, kodwa kungcono ukuba Stock ukuya kwi-software ergonomic ngakumbi. Le ndlela lula ngakumbi, yaye ngokulula ungena lo mkhwa ngenxa nchavelelo yayo. Sincoma ukunikela ingqalelo software ezifana:

1. "Finance Household".
2. "Meanie." Hayi kwizifundo zemisebenzi, kodwa ezilula ngaphandle frills ezingeyomfuneko.
3. "Economics Ekhaya". software umnandi evumela ukuba enze lula izibalo.
4. "Budget Family".
5. "Ukugcina Ekhaya". inkqubo yezemfundo ezikwii esinobunzima lwe izicwangciso ezahlukeneyo.
6. AceMoney.
7. Family. inkqubo Excellent, omnye eyona (abanye cwaka unikela №1) kwezo thaca kwi-Internet. Kunqweneleka ukuba basebenzise iinguqulelo ezintsha ngokuba zilityelwe kukho inani elikhulu kakhulu iingxaki software.
8. MoneyTracker. Uphawu-rich kwaye kulula ukuyisebenzisa inkqubo enokusetyenziswa kokubini imali yentsapho, nangenxa ezezimali zobuqu.

Okunye njengenye yeenketho software ukuba okhankanywe inkqubo ezinjengezo Microsoft Office Excel (okanye okufanayo kuyo). Okuhle kule ndlela kukuba inkcazelo ngazo zonke iindleko kunye ezifana zingajongwa njenge izixhobo non-mobile ezifana iikhompyutha zobuqu kunye laptops, yaye amacwecwe mobile kanye Smartphones.

Indlela yokonga?

Kaloku, lo ingongoma ebalulekileyo - oko noun iindleko. Ngenene wethu ichithwa eziluncedo ukuya 2/5 zonke iimali. Kufuneka kwakhona uqaphele ukuba amazinga okukhula ngonyaka ka-15-20 ekhulwini ngalinye, olungeke kodwa lila. Ngoko ke, kufuneka ucinge ukuba ukunciphisa indlela ubungakanani kweentlawulo. Ukuba sithethe ngalo ixesha lasebusika, kukho ngokuyimfuneko kunceda ufakelo iimitha kunye neeflethi ukufudumala / izindlu. Ukongeza, ungenza esweni impilo yabo, ukuba kuyimfuneko wayengekho kwixesha elizayo ku tirhisa kakhulu amayeza. Ukuba oyifunayo, kunye namathuba ingabonwa izithuthi imoto / zikawonke ngebhayisekile. Ngenxa yoko, oku kuya kongela, kunye nezibonelelo zempilo.

Ngokwahlukileyo kubalulekile ngokupapasha kuqoqosho lwasekhaya. Ijolise ukuchonga iimfuno kunye nolwaneliseko babo. Ngoko ke, ngaphambi kokuba aye evenkileni kucetyiswa ukuba benze uluhlu lweemveliso eziyimfuneko, ukuze lisasazwe izibonelelo zemali kwi into engeyomfuneko. Ngoko ke akukho mfihlakalo ukuba kwabezentengiso abaqeqeshiweyo bayakwazi kakuhle kakhulu ubuchopho zapudrivat, kwaye kufuneka uye evenkileni isonka, njengoko indlela yokuphuma kunye neqela phakheji. Ngoko ke, kubalulekile ukugcina intloko kucace futhi ukuba singaweli nokwenza izinto. kakuhle kakhulu kule nkqubo uncedo eziphambili. Ukuba kukho ukuthanda ezaneleyo ukuyenza, ukuchaza iinjongo kunye neenjongo ze-home economics, yaye usoloko wawagcina embilinini "kumgama ohamba" malunga nobukho. Oku kuya kulungiselela inkqubo self-discipline.

Owu Indoda, inkosi mali, ufake igama

Ekuqaleni, kufuneka ukuba ngubani oza kulandela imali echithwa ngayo. Kuyimfuneko ukuba baxoxe ngenkqubo iimpawu usasazo. Kubalulekile ukuqaphela uhlobo mali: ezidityanelweyo okanye eyahlukileyo. Ukuze kufikelelwe nokuqondana kwaye ukuthintela ukubethabethana kufuneka ufunde ukuyisebenzisa kakuhle imali. Ukuze benze oku, iqabane ophetheyo mali, kufuneka baqonde ukubaluleka zocwangciso kwaye akwazi ukwenza izigqibo ezizizo. Ukwandisa ukusebenza amanyathelo athathiweyo, ukhathalelo kufuneka athathwe malunga ukuzoba isakhiwo ecacileyo lungeniselo kunye neendleko. Oku kuyimfuneko ukuze baqonde indlela efanelekileyo imali echithwa. Ukugcina imali ekhaya, apho umntu omnye kuphela Kulula kakhulu. Kodwa ukuba bobabini - sele kufuna isakhono ethile. Ekuqaleni benza ubala imali iya kuba nzima, kodwa emva kwenyanga okanye ezimbini emva kokuba japan zavidneetsya, oko kuya kubonakala nzima kangaka.

Yenza ibhajethi yakho

Ngoko ke, kuyimfuneko ukuhlola indlela kakuhle uyakwazi ukubala. Best zonke, ukuba ngexesha msebenzi ngokususela kwidatha zonyaka odlulileyo. Ngenxa yokuba oku kuya kuba lula ukuba isiseko luqikelelo ukuba inkcitho. Ngapha koko, xa lo mali uzotywe phezulu okokuqala kwaye akukho namnye data tye, kusenokwenzeka ukuba abantu abaninzi abazithathi ingqalelo, kwaye phantsi kwenkcitho. Nangona kunjalo, kufuneka wenze uhlengahlengiso kwamaxabiso. Njengoko ku data ezisesikweni epapashwe nguRhulumente, akukho ukholo, njengendawo reference ingathatha ipesenti ukwanda yezinkonzo. Ezi zinto ukuvumela ukuba ukuthatha home economics kufutshane ubunyani imali yentsapho. Kwakhona, akukho mfuneko ukukhetha unguYe ndlela ifanelekileyo uphuhliso, ukhathalelo kufuneka kuthathwe iindleko ezahlukeneyo ngesiquphe babonelelwa. Oku kunokuba imfuno yonyango, kunye nemali pocket ngenxa yoonyana, nenkanuko banal ngenxa iilekese, izinto xa ezimbi yaye kufuneka azithuthuzele thile ngokwakhe. Noko ke, ngaphezu ezintlanu ekhulwini ngalo mba kufuneka ukuba bodwa. Ezinye oku kancinane isetyenziswe ngokwahlukileyo. Cinga ngemeko xa abazali banike abantwana imali. It awunakunqamla, uhambe ngenye indlela. Apha, umzekelo, uguqulelo encinane. Abantwana kanye ngenyanga wakhupha imali ethile ekwazi ukusebenzisa ngokwakho. Masithi, engange ezimakhulu mathathu, kodwa ungakwazi ukumisa phezu eziliwaka. It is azilawulwa, kodwa kwangaxeshanye apho kuya kubakho inkxaso sabakho. Oko kukuthi, ukuba umntwana uya kuchitha yonke imali kwangoko - kakuhle, ngoko wagqiba, akukho iilekese, izinto zokudlala nezinye izinto ukuya ekupheleni kwenyanga. Kamva ebeya kucinga nto ukuba benze ntoni na izibonelelo zalo ezabelwe, kwaye ndifunde kakuhle ngemali yokwakha mali.

Ukugcina iirekhodi zengeniso / iindleko

Masithi ukuba le njongo bombane. Indlela ukubala mali yekhaya kwityala enjalo? Ingenelo ebalulekileyo software ukuba apha kukho uhlobo olubanzi kwenkcitho. Ngoko ke, ungakwazi alobe zingaphi waya ezothutho, ukutya, lokuphola kunye nokuzonwabisa, amayeza, zoluntu. Kuxhomekeka ukusebenza kufumaneka nokuba ukurekhoda ntoni kwaye kangakanani yathengwa kuye, umzekelo, ezintathu engumkhenkce ezingamashumi amabini anesihlanu engange. Ngoko ke, ungakwazi bayitshekishe ngocoselelo kakhulu imali yabo baze bathathe amanyathelo afanelekileyo, nto leyo eya kukunceda ukuba asebenzise ngaphezulu ngokwezoqoqosho.

Cinga nje ngomzekelo encinane. Kukho ithuba lokuba athathe ekhaya iqebengwana, obiza engange amabini, okanye uthenga kwi Bun ngamahlanu zakhe. Umahluko ubonakala encinane, kodwa kwinyanga edlulileyo - engange ezingamakhulu amahlanu. eninzi kakhulu, kodwa hayi kakhulu kakhulu? Ke ngonyaka - amawaka amathandathu engange. Phantse i pension yenyanga ubuncinane. Kwaye ukuba unyaka omnye! On Bun enye! Iyamangalisa, akunjalo? Kwaye ukuba futhi ngokucophelela ukubala inkcitho zabo, ngoko kuza ukuqonda ukuba, etshintsha kancinane indlela yawo ebomini, ungagcina kakhulu. Omnye umzekelo? Masenze ngathi idolophu encinane 70 amawaka abantu. iindleko zehambo ngeteksi into engange-10. Olu suku lwaziwa wachitha 20. Masithi umntu aye emsebenzini iintsuku ezingama-20 kuphela ngenyanga nganye. Iyonke - 400. Kunyaka - 4800. Unakho ukuthenga into elungileyo, ezikumgangatho ophezulu kunye ibhayisekile imidlalo ethembekileyo, leyo uya kubuyekezwa kwiminyaka 3-5. Phezu kwayo, ukufumana ubuchule efanelekileyo, unako ngokulula ukukhawulezisa kwi-100 leekhilomitha ngeyure (nangona musa ukulibala malunga nomqathango 60 km / h), nokuze iindawo ngokukhawuleza ngaphezu ebhasini. Kwaye kukho into kodwa hayi kuthathelwa ingqalelo izibonelelo zempilo ukuba zifunyenwe umkhweli webhayisikile. Kambe ke, ukuba ningoyiki kwemikrozo yeemoto kubo?

isiphelo

Ukuze sinengcamango yokuba iinkalo zobomi bakho kungaphuculwa, kuyimfuneko ekuqaleni ukwenza uhlalutyo olunzulu kunye eneenkcukacha yenkcitho. Ngokusekelwe kwezi data kusenokwenzeka ukwenza ukuchaneka omkhulu kunokwenzeka kwisicwangciso zabo. Kwaye ke kuba lula ulawulo lwezemali. Yinto enye into ukuva umntu aokusetyenziswa ubomi bakho. Kuyenye - ubale ukuba unokugcina ukutyala, nithi, iminyaka esibhozo, imali engaka, ukuze kwixesha elizayo kuya kuba lula ukuphila ngaphandle mnenga ethile emsebenzini yomazalelela, yaye wenza ntoni kumnandi. Kodwa ukuphumeza iinjongo ezintle, umdla kunye kuyimfuneko, kuya kufuneka ukuba asebenze nzima. Kungafuneka ukudibanisa iindawo ezininzi, kodwa, kholwa ndim, ukuba kufanelekile oko. Ngapha koko, yintoni limnandi ngaphezu ithuba lokuzikhethela ukuba yintoni elandelayo eza ixesha elisecaleni? ukuthumela Apho umsebenzi wakho? Yintoni usukelo ukuze kuzuzwe? Yiba inkosi ebomini bakho - ukuba ikamva kwabantu.