Ukonga imali: Tips and Iimfihlo

Uphando lwakutshanje luye lwabonisa ukuba kule minyaka-10 edlulileyo, iindleko zokukhulisa abantwana banda izihlandlo-2. Nokuba yokuba umntwana lowo uya kuba unyango simahla, ukufunda kumaziko emfundo karhulumente, ziya kufumaneka kwi sebe mali kwiyunivesithi, ukuba akhule kuyo, abazali kuya kufuneka i-avareji engange-3 million. Kwimeko enjalo kwindawo yokuqala kukho noqoqosho imali yentsapho. Tips thaca kweli nqaku liza kusinceda ukucwangcisa aphake ngobulumko imali.

uqeqesho

Namhlanje, ukutya, amayeza, impahla yokunxiba kunye nemfundo kufuneka bahlawule imali enkulu. Iintsapho ezininzi kulingana elifutshane yomvuzo. Zimfihlo ukugcina imali yentsapho kukuba ukuhlaziya indlela yobomi, ulawulo iindleko ukuzonwabisa kunye nolonwabo. Kwelinye icala, abazali akukho ukulungele ukugcina ebantwaneni babo. Ngoko ke, kufuneka sifunde ukusasaza indlela efanelekileyo imali ngaphandle kwezithintelo olukhulu amalungu entsapho.

Ukonga imali: Tips

Ukuze ngcono ubomi, kufuneka mhlawumbi uzuze ngaphezulu okanye achithe ngaphantsi. asinguye wonke umntu uya kuba nako ukumelana isicombululo kule ngxaki kuqala. Injongo yesibini yinto enokufikelelwa. Qwalasela iindlela ezisisiseko ukugcina imali yentsapho.

ukubukela

Phambi kokuba ukunciphisa iindleko, kubalulekile ukuqonda apho wachitha imali kunye yintoni na ukusindiswa. Ukuze wenze oku inyanga ukurekhoda zonke idenariyo. Kakade kwiziphumo kwiveki yokuqala kwidayari uyakwazi ukubona izinto yenkcitho, oko ngokoqobo "iphume 'imali ebhegini yakhe.

Ukuze ngokufanelekileyo ukukhupha imali yentsapho, kubaluleke kakhulu ukuba ukulungisa yonke into, nkqu iindleko zincinane, musa ukulibala ukucacisa gum, icuba, itshokolethi kunye iilekese ku iindleko.

analysis of

iziphumo zokuqala bangondliwa emva kweenyanga zophando. Ukuze siqonde indlela ukugcina mali kwinyanga elandelayo, kuyimfuneko ukuba ukwaba iindleko maqela:

• Yimalini eyachithwa zezindlu neenkonzo yoluntu;
• indlela imali echithwa xa intlawulo-mboleko;
• Indlela iindleko ukwenza ukutya eyimfuneko;
• Yimalini eyachithwa impahla, ucoceko;
• ngokufuthi nokuba benze lokusebenzisa imali kwizipho, ukuzonwabisa, iteksi.

ukunciphisa iindleko

Gcina umkhondo iindleko kunye nengeniso kuza kufuneka ukuba ngoku ngokusisigxina. ucwangciso olufanelekileyo mali le mali kuqala kunye neendleko elizayo. Ukurekhodwa lokuthenga, unako uthelekiswe ukubala ibhaskithi abathengi kunye ancame izinto ezingeyomfuneko.

Iintlawulo olugunyazisiweyo ukunciphisa ukusebenza. Ke kaloku bathi abathile manqaku lincitshiswe. Uninzi ukutya zithengwa for fun, kunokuba ukugcina ubomi eziphilayo. Gcina kwindawo yokuqala likubo ukuthenga, ngaphandle apho kunokwenzeka ukuyenza. Ukwalelwa snacking chocolate emsebenzini iya kuzuza kuphela zempilo. Of ecelwa ukuba angavumi ukuba kuyimfuneko ukuze ekhaya ngokuhlwa ngeteksi. Kwaye ukuba akuyi aphile ngaphandle phephancwadi wakho omthandayo, endaweni version bephepha yentengo elektroniki.

Indlela yokonga kwimveliso?

Ukuze njengentsapho mali isidlo yazenzekela kwiziko loluntu, ukuze sazi wabetha epokothweni. Kakade ke, amanani ezithuba ukutya ngokundwendwela ngamaxesha athile kuvumelekile. Kodwa ukuba kufuneka uthsintshe imihla ekhaya-kuphekwe isidlo iindleko engange-150 ngenxa yokukhonza pizza, la maphulo kufuneka zicwangcise phambili. Kuyacetyiswa ukwenza isicwangciso isidlo le veki. Iinkonzo ezizodwa intanethi zikuvumela ukuba ulungiselele i menu ngeveki, ngokuxhomekeke kwingqesho, iimeko zomsebenzi, indlela yokuphila.

Indlela yokonga umbane?

Enye izinto ezininzi esinexabiso kuluhlu eziluncedo - iindleko zombane. zombane Modern lula ubomi babantu. Kodwa xa besebenza yonke ngexesha elinye, kubadle amandla amaninzi. Nciphisa iindleko ukunceda ezi ngcebiso ezilula.

Sebenzisa izibane ezonga umbane

Ezi nezibane kabini ngobukhulu oluqhelekileyo, kodwa athathe ixesha elide ukuphelelwa. Baphantse musa shushu, onke amandla uya zokukhanya. Avareji yobomi - iminyaka emithathu, ulondolozo-600 engange zonyaka. Uthuli unako 'ukutya' ku-20% ukukhanya. Ngako oko kuyimfuneko kumaxesha ngamaxesha ukosula zokugquma kunye ibhalbhu.

Ngaphambi kokuba bahambe, ukucima ukukhanya. Ukuze ukuba ukulibala lo mthetho olula, uyakwazi ukubhala zizikhumbuzo ulixhome emnyango ongaphambili.

Thenga zombane iklasi indlu A + yaye bayisebenzise uyifaka ngokwemiyalelo

Modern Class A Equipment + okanye A ++ odla amandla phi, kodwa kuphela phantsi komqathango wokuba iza kusebenza ngendlela eyiyo. Ukuba efrijini lokuphekela ukubeka ecaleni esitovini, ngoko ke kuya kusebenza kwi imo yonxunguphalo ukwenzela ukugcina iqondo lobushushu oyifunayo. Imeko efanayo kwenzeka xa uzama ukupholisa ukutya eshushu. defrosting ngexesha elifanelekileyo ukunqanda ice uluhlu iindonga egumbini ukunciphisa ukusetyenziswa kwamandla ngomyinge we-15%.

Iikhompyutha shini ezisetyenziswa iiyure nje ezimbalwa ngosuku. Amanye amaxesha ukuba ngamalungu kwimo yokulinda, ngenkuthalo ukungenisa amandla. Akwanelanga ukujika nje unit ngaphandle iqosha kwi umbane. Kuyimfuneko ukuba alususe ukusuka kumthombo wamandla.

ukulungisa izikhathi

Bright lodonga kunye nophahla emhlophe nga kubabuyisela ukuya kwi-80% of imitha yelanga. Thelekisa, imveliso nokukhanya umbala omnyama yi-9% kuphela. Kodwa ngaphambi kokuba obandayo bakho ufanelekile ekuhloleni umgangatho iintambo. Maxa wambi kukho ukusetyenziswa kwamandla ukwanda ngenxa banxibe iintambo.

Faka screens ubushushu-Boneka

Izifudumezi kwithuba ekwindla-yasebusika ukufunxa umbane omninzi. Ukuba ufake i ngefoyile ye ibhetri okanye amagwebu, kunokwenzeka ukuba kukwandisa lobushushu egumbini degrees 2-3. Ngakumbi unombombiya igumbi, kufuneka endaweni isakhelo ngomthi kwi intsimbi, iplastiki, okanye ubuncinane uphawu isikhewu.

Planning and nokubhukisha

Yokwabiwa kweemali kwinyanga ezayo kufuneka yenziwe kwangaphambili. Oku noqoqosho imali yentsapho. gurus zemali Iingcebiso bathi baziqwebele imali iinjongo zexesha elide azikho nzima kangaka. Lwanele sakubambezela ngamnye uhlawula 5-10% kwi yobuncwane. Le ngxowa-reserve nga kusetyenziselwa ukuthenga zexabiso ezifana imoto okanye indlu.

ukuthenga ngabom

Thenga kuphela ngexesha izenzo - hayi indlela engcono yokonga imali yentsapho. Ngokwahluke ngokupheleleyo koko. uhambo shopping njalo bavame lazo liqikelelwa ngaphezu. Kungcono ukuba uthenge kanye ngeveki, umzekelo, imveliso, kwaye kwangaphambili benze uluhlu lwe impahla ezifunekayo. Ukuba kunokwenzeka, hamba ezivenkileni ngaphandle abantwana. Oku kuza kunciphisa iindleko ezingacwangciswanga. Uyintoni na ngoko uqoqosho imali yentsapho? amacebiso:

• iimveliso ezilahlwayo ukonga ixesha ukucoca, kodwa athathe imali eninzi. Buyisela i iitawuli iphepha kwi esiqwini, kodwa endaweni uthenge zesiselo itephu filter amanzi.
• Inxaxheba amanyathelo ayimfuneko kuphela xa ndiyazi ngokuqinisekileyo ukuba uya kunandipha zonke iimpahla. Thenga isithambisi-mpahla kunye isaphulelo-50% ngenxa nje yokuba isipho pack umgubo, leyo kwada ngoko zange isetyenziswe, akukho mfuneko. Kodwa qaphela ukuba ngezaphulelo onyaka kufuneka ukuba ixesha ukuthenga impahla ezinamaxabiso.
• Ukuba kunokwenzeka, ukuthenga ukutya kwiivenkile efanayo. Namhlanje, zonke iivenkile idini isaphulelo okanye imali ikhadi kubathengi rhoqo.
• Shopping ezivenkileni kufuneka enze emva kokutya kunye nemimoya elungileyo.

Ixesha bethenga

Ezinye zisetyenziselwa ufumane zonke iimpahla eziyimfuneko ebomini ngoko nangoko emva kokufumana umvuzo, ngoxa abanye awabe ezi ndleko lube ziinxalenye eziliqela. Nganye isigqibo indlela ukugcina mali. Kwelinye icala, ngexesha elinye- ekuhlawuleni imali yezinkonzo, bathenge izimpahla iikhemikhali zasekhaya kunye nokutya likuvumela ukuba Stock kwangoko phezu kwempahla. Umngcipheko ukusebenzisa imali efunekayo ubuncinane noLonwabo. Kwelinye icala, ukugcinwa ixesha elide kweempahla kufuneka uthenge kangangoko kunokwenzeka, yaye ihoseyile, amaxabiso aphantsi.

ukusebenzisa enemali

Ukuba inkcitho zihlawulwa ngezavenge, ngoko kusengqiqweni Endabuqwebela kubo indlela zokufumana yomvuzo. Ukulungiselela le njongo, ungasebenzisa iimvulophu bebala. Umzekelo, ukubekela bucala nganye ahlawule inxalenye yemali ukuhlawulela iinkonzo zoluntu kwimvulophu ebomvu, intlawulo ye-inshorensi - eluhlaza, ukuzihlaziya nokuzonwabisa - in yellow. Kulo mzekelo, nkqu apho iindleko ezingacwangciswanga, uya kusoloko kukwazi ukuhlawula ityala kwiintlawulo esisinyanzelo ubeke bucala imali ngenxa nakusukelo onokulufikelela emva kwexesha elide.

umbutho zolonwabo

Asinguye wonke ubani onokukwazi ukuhlawula i uhambo imali eninzi. Kwaye akusoloko kufanelekile ukuba elinye iinyanga ezintandathu imali yakhe. Amaninzi, injongo yokuhamba, ngokukodwa usapho, kukuqinisekisa ukuba kukho utshintsho ndithanda kunye nexesha elungileyo. Kwaye lo fly kwezinye ekupheleni kwehlabathi. Ungaya uhambo lokufunda kwidolophu ekufutshane, ukutyelela iimyuziyam zembali, imiboniso okanye vele uye kungena emahlathini. Bowling, ipaki amanzi zokudlala ngaphandle ekhwela nayo iye irhoxisiwe. Iintsapho kunye nabantwana kufuneka bacinge zokuzonwabisa ekhaya. Khululeka aze achithe ixesha kunye neenzuzo ukunceda imidlalo ebhodini.

Thenga b / a impahla

Yomfuyi kunye neziza online uyakwazi ukufumana inani elikhulu kwempahla yesibini-esandleni ezisemgangathweni kunye ngexabiso elifikelelekayo. Kakade ke, imali usapho kufuneka mazingapheleli omnye kuphela yesibini-ngesandla. Kodwa ngamanye amaxesha iyavakala ukuthenga ibhayisekile okanye isithuthuthu nge kwentengiso.

uthelekise amanani

Imarike ngeengcingo lukhuphiswano enkulu. Ngoko ke, iNkampani ngamathuba athile uyavumelana. Ngamaxesha athile, kufuneka ukukhangela imirhumo zenkampani, iinkonzo ozisebenzisayo, kunye nokhuphiswano ngexesha bafudukele iphakheji ethe xhaxhe.

Sebenzisa iinkonzo ebhankini

Iingcebiso kwi ntlekele ukugcina imali yentsapho idla ziquka isiphakamiso yokulibazisa imali ukuze ifakwe kwibhanki okanye ukugcina phezu kwikhadi. Zombini iinketho banelungelo lokuba khona, kodwa kuphela indlela efanelekileyo.

ifakwa nje ukuba wonge imali kunokuba ayanda. Izinga ezinikwe iidipozithi ezinjalo, ngokuqhelekileyo ayidluli izinga lokwenyuka kwamaxabiso. Kodwa xa uzama ukurhoxisa imali kwi-akhawunti phambi kokuphela isivumelwano, kuyenzeka ukuba luzakulahla olunye utyalo-mali. Ngaphezu koko, eli xesha lobunzima, esoyika lokuphuma eyinkunzi engundoqo iibhanki ngokusekelwe xesha komsipha yokuqala iidipozithi. Kumaziko nemeko enzima kakhulu zemali kwaye liqalise inkqubo yolawulo yethutyana. Oko kukuthi, ixesha imbuyekezo yotyalo mali kwidiphozithi kwemali uhlala libaziseko. Kodwa ke oku akuthethi ukuba imali ezilahlekileyo ngonaphakade.

Ukuba iindaba yezoqoqosho akwenzi zinto zingumqondiso utshintsho kakhulu kwiinyanga ezimbalwa ezizayo, ungenza ngokulula ukwenza ngaphandle idipozithi kwi nayiphi na ibhanki yorhwebo. kwaye Ungakhathazeki malunga nokhuseleko mali. Kwezinye iimeko, kufuneka:

• ukuba akhuphe idiphozithi kwiziko-mali karhulumente, umzekelo, i-Savings Bank;
• ufundisise isivumelwano kunye ebhankini;
• uyivule imali, endaweni ukuthenga isiqinisekiso lokonga ;
• ukuba uvule idipozithi elifutshane kunye kungenzeka lolwandiso.

Intlawulo ukuthenga ngecredit card ishenxisa ithuba ukulahlekelwa yimali. Kodwa ke uphando lwakutsha nje luye lwabonisa ukuba umntu ngengqondo lula ukuba ahlukane namanani ezingabonakaliyo kunokuba ngamaqhekeza eyiyo yephepha. Ngoko ke, ukusetyenziswa rhoqo lweplastiki kungakhokelela ekulahlekeni ukulawula iinkcitho. Ukuze siphephe le ngxaki, ukuqhagamshela inkonzo SMS-isaziso okanye ukhuphele isicelo mobile kulawulo akhawunti yakho yefowuni. Kuphela ngale ndlela kungabangela abangaboniyo ukulandelela yonke idenariyo. I-Bank ayinikeli umbhalo iinkcukacha intlawulo nganye? Fumana kwi umkhwa ukufunda inombolo nganye itshekhi.

Ekuphetheni

Ukungeniswa Iingcebiso zokonga imali yentsapho kule ntlekele kufuneka kuthathwe njengesikhokelo ngqo kwisenzo. Oku kuphela ukunciphisa iindleko. Bakuqhele Nkqu zazo kakhulu elula, oko kuya kuthatha ixesha. Kodwa umphumo ubaluleke ngayo.