Uchitha kukho konke futhi uyazibuzaIndlela yokuphatha imali yami ngendlela efanele? Awu ungakhathazeki! Sikunikeza izinyathelo ezingcono kakhulu zokuvikela imali yakho. Lapha uzothola indlela elula yokwenza ibhajethi ukuze uphathe imali yakho ngendlela efanele.
Indlela yokuphatha imali yami?
Uma sikhuluma ngokuphathwa kwesikhwama, udaba lwesabelomali lufika engqondweni, kodwa kulokhu, ngokuyisimangaliso, akusona isikhungo sokunakwa, kodwa sihlobene. Indlela yokuphatha imali yami? isikhumbuza indlela yokwenza isabelomali, ngizokukhombisa ukuthi kanjani.
Kuyini ukuphatha imali?
Ukuphathwa kwezimali uchungechunge lwezinyathelo umuntu azithathayo ukuze aphathe ngempumelelo iholo lakhe. yenzaIndlela yokuphatha imali yami? Phakathi kokunye, kuhlanganisa ukuhlela kwanyanga zonke, isabelomali kanye nokubeka imigomo; Ngamanye amazwi, inhloso yokuphathwa kwesikhwama ukuvimbela abantu ukuthi bangeqi amandla abo okuthenga nokugcina isimo sezezimali singcono kakhulu, lokhu kudinga ukukhumbula izinga labo lemali engenayo nokwazi ukuthi bangasebenzisa malini noma bathole izithembiso ezifana nokubolekwa kwemali ngokusekelwe kulokhu.
Amathiphu amathathu okuphatha imali
Uma ufuna ukuphatha izimali ngendlela engcono, amasu amathathu alandelayo angaba isinyathelo sokuqala sokuphatha kangcono izinsiza:
Yenza isabelomali sanyanga zonke
Indlela yokuphatha imali yami? ukwenza uhlelo lwanyanga zonke kuyisinyathelo esibalulekile esingenza umehluko. Kusukela kuleli phuzu kubaluleke kakhulu, ngoba kusho ukuqonda ngokugcwele iholo lakho, izindleko kanye nezikweletu futhi ngaleyo ndlela wazi ukuthi ungachitha malini ngalesi sisekelo.
Kuleli qophelo, kufanele unqume ukuthi yiziphi izindleko zakho ezingaguquki, okungukuthi, ukukhokhela izidingo eziyisisekelo. Kule ndawo, ungabheka izindleko noma izinkokhelo zezindlu zokuthutha, ukudla, izinsizakalo kanye nerenti; ukuhlonza le nto kukuvumela ukuthi ugcine inani elanele futhi uhlanganise izindawo eziyisisekelo zempilo yakho.
Uma lesi sici sesitholiwe, kuyadingeka ukucabangela amakhredithi noma ukuthenga izinyanga ezimbalwa ngaphandle kwenzalo evumelekile. Lokhu kuzosiza ukuqaphela ngokugcwele isidingo sokwaba izinsiza ezithile ukuze kufezwe lezi zibopho futhi kugwenywe ukuwela ekwephuleni isivumelwano esidala izinkinga ezinkulu kakhulu.
Ngalezi zici, qinisekisa iholo lakho bese uhlukanisa izingxenye. Uma uzithathele izibopho zakho, yebo, ungakwazi ukubhajethela ezinye izinto.
Gada umthamo wakho wokuboleka
Ngemva kokuchaza lolu hlelo lwanyanga zonke, ungase wazi ukuthi yimalini ongayisebenzisa inyanga ngayinye. Umbono wethu ukuthi indlela osebenzisa ngayo imali ayidluli iholo lakho lanyanga zonke, ngakho sizokwazi indlela yokuphatha imali yami
Khumbula, izimali ezishibhile noma amaphuzu azuziwe azokhawulela indlela yakho yokuthola imali. Ngakho-ke, kubalulekile ukuqapha izinkokhelo zakho zenyanga nezindleko ukuze uchaze ukuthi kungenzeka yini (ngokwesibonelo, ukuthola uxhaso olusha lwezimali noma uhlelo lwanyanga zonke ngaphandle kwenzalo).
Indlela yokuphatha imali yami? lokhu kucatshangelwa ukuthi ongoti bayavumelana ngokuthi ukuze kube nesimo esihle somnotho, akufanele kusetshenziswe imali engaphezu kuka-30% ukukhokhela izikweletu.
Susa ukusebenzisa imali okungalindelekile kanye nezintuthwane
Ngalesi sikhathi, iseluleko esingcono kakhulu ukuhlala uhambisana nesabelomali sanyanga zonke esimisiwe. Okusho ukuthi, ungasebenzisi imali eningi osele ngemuva kokufeza izibopho zakho futhi, okubaluleke kakhulu, ungashayeli ukuthenga futhi unciphise izindleko zezintuthwane.
Khumbula ukuthi ukusetshenziswa kwezintuthwane kuyingozi ngoba nakuba ukuthenga kwakho kukuncane uma kuqhathaniswa, kuhlanganisa izindleko njengoba zihlanganisa. Kulesi sigaba, qaphela ukuthi manje sekunezimali zezintuthwane zedijithali, okuyizinto esizikhokhela ngezinsizakalo zokusakaza (njenge-Netflix, i-Amazon, noma i-Spotify).
Kuleli qophelo, iphuzu eliyisisekelo kufanele lengezwe: ungakhohlwa ukulondoloza. Akuyona yonke into ekuphileni ephela emasontweni amabili, kubalulekile futhi ukudala indawo yokugcina encane evumela ukuthi ubhekane ngokuqinile nezenzakalo ezingalindelekile noma uqale iphrojekthi osuvele ucabange ngayo.
Indlela yokwenza isabelomali?
Ukufunda ukusebenzisa imali yakho kuyinto abantu abambalwa abakufundisa yona, ngakho-ke lalelisisa: kufanele wazi ukuthi yiziphi izici ezine eziyinhloko ezakha ukuhamba kwemali: iholo, izindleko kanye nezikweletu. Ngaqhubeka nokufunda:
Insika #1: imali engenayo
Ngivame ukuhlangana nabantu abakhulumayo Indlela yokuphatha imali yami? nokuthi iholo lakho liphansi kakhulu ukuthi ungaliphatha kahle, kodwa kubalulekile ukwazi ukuthi akuyona imali enquma yonke into, yindlela esiyisebenzisa ngayo.
Kulokhu okungenhla, kuthathwe inganekwane ethi: “Angikwazi ukonga ngoba ngihola kancane kakhulu” (Ngizokutshela kamuva). Indlela yokuphatha imali yami? Okufanele sikucabangele ngempela ukuthi: kanjani ukukhiqiza okwengeziwe? Uma ucabanga ukuthi awukwazi ukukwenza, kusho ukuthi usulahlekile.
Uma unekhono ekwenzeni umsebenzi, ungaqala ngomunye umsebenzi ozimele. Siphinde sibe nezinto esizilibazisa ngazo, esikuthandayo noma amakhono angasinika inzuzo ngaphezu kwabanye: isibonelo, unekhono ezifundweni ezithile (njengefiziksi, ikhemistri noma isipelingi), ungathatha amakilasi ngaphandle kwezinkinga noma uthengise imikhiqizo oyaziyo; ulwazi lokuphakela, ukufekethisa noma ukunitha izikhafu, uma uthanda izinja, ukuhamba nezilwane ezifuywayo zabanye abantu ngesikhathi sakho samahhala kuzofika kahle.
Uma usunesibindi sokuqeda ukwesaba kwakho futhi uthole indlela yokuthola imali eyengeziwe, uzobe usulungele ukucabanga ngokuqala ibhizinisi lakho, ihlaya ukuqhubekela phambili kancane kancane.
Insika #2: izindleko
Le prop ingenye ekhohlisayo kakhulu ngoba kulula ukukhathala futhi kulula ukucasuka. Kwesinye isikhathi asazi ukuthi yimalini emoshwayo ezintweni ezingenasidingo.
Indlela yokuphatha imali yami? Nokho, lesi isinyathelo sokuqala. Ngeke ngikuqambele amanga, kuyinkimbinkimbi kakhulu futhi kudinga ukuthi uthembeke kuwena: yehlisa izindleko, kufanele ucabangele ukuthi, ngokusobala, njengoba umsebenzi wakho kanye nolwazi lomsebenzi luthuthuka, iphothifoliyo yethu yokutshala imali izothola imali eyengeziwe. , okungasho ukuthi kufanele usebenzise imali eyengeziwe.
Uma sikhuluma ngezimali zomndeni noma zomuntu siqu, ngingakuqinisekisa ukuthi kukhona okumele ukwenze ohlwini lokukhokha futhi ungayeka ukulisebenzisa futhi ugweme lolu hlobo lwezindleko. Uma ungangikholwa, bhala zonke izindleko zakho bese uqala ukunquma ukuthi yiziphi izindleko ezingakhokhwa lapho izimali zakho zisuka.
Insika #3: izikweletu
Indlela yokuphatha imali yami? Well sonke ngandlela thize sinezikweletu. Njengoba sicabangele ithuba lokuthola ikhadi lesikweletu, sasimiselwe ukulisebenzisa, kunezinhlobo ezahlukene zabantu abasebenzisa ikhadi, abadume kakhulu: totaleros, non-totaleros nalabo abangakwazi ukukhokha.
I-Totaleros ihlale yenza konke okusemandleni ukukhokhela wonke ama-akhawunti ngokushesha noma ngokushesha, isebenzisa ukukhushulwa okumbalwa ngaphandle kwenzalo futhi ngaphandle kokufaka ingozi yokungena ezikweletini ezinkulu. I-non-totaleros ihluke kakhulu, ayizange ixazululwe ngokugcwele, ngoba ikhetha ukusebenzisa ukuthenga phakathi nezinyanga.
Kungakhathaliseki ukuthi ukuluphi uhlangothi, ukuhlukanisa izindleko ngokunengqondo nokucabangela izikweletu onazo kuzosiza ukwehlisa umthwalo futhi kuwunciphise kuwe nasephaketheni lakho.
Imfihlo yokwazi ukuphatha imali
Ukonga kuyinsika yesine, kodwa abantu abaningi babeka ukonga kwabo phezulu: "Anginayo ngisho nemali eyanele yokuyonga." Ngaphandle kokungabaza, lesi isithende se-Achilles sabaningi baseMexico, ngoba i-24% yabo ayilondolozi nganoma iyiphi indlela.
Indlela yokuphatha imali yami? Lena into yokuqala esiyidingayo ukuguqula indlela yethu yokucabanga, kuzwakala “njengesigaba sokukhuthaza”, kodwa kuyiqiniso: uma ungayithathi ngokungathi sína imali, ubani ozoyithatha? Khumbula lokhu: iholo lakho liwumkhiqizo wokuzikhandla kwakho, ungawumoshi.
Kungani ukulondoloza enye yezinsika ezibaluleke kakhulu zokwazi ukuphatha imali?
Kalula nje, uma wonga imali, uzosebenza ngezindlela eziningi. Nazi izizathu ezi-5 zokuthi kungani ukulondoloza kuwumbono omuhle:
- Uzimele, awudingi ukudela othile noma okuthile ukuze wenze isinqumo.
- Lesi yisinyathelo sokuqala sokudala ingcebo. Uma ukwazi ukuphatha izimali zakho kahle phakathi nenkathi yesikhathi, ungatshala ngokushesha futhi uzuze imali eyengeziwe ngaphandle kokwenza okuningi.
- Uvikela umndeni wakho kanye nawe. Noma yini engalindelekile izoba nenkokhelo ethile, futhi uma uyilungele, asikho isizathu sokusebenzisa ulayini wekhredithi noma izinkokhelo ezifanayo.
- Ayikho ingcindezi emalini. Manje, uma ucabanga ukuthi thina (kuhlanganise nomndeni wethu) siye sabhekana nezenzakalo ezingalindelekile (njengezingozi, umkhuhlane nje, ukungasebenzi kanye nezindleko ezingase zisho), khona-ke iqiniso elilula liwukuthi asikho isisindo eseqile esikhwameni, kubi, Awukhathazekile?
- Usukulungele ukuthatha umhlalaphansi. Uma uqala ukulondoloza izinto ezahlukene, qiniseka ukuthi ufaka le nto, ngoba uzozizwa ukhululekile manje nasesikhathini esizayo.
Lezi yizizathu ezinhlanu kuphela, kodwa izizathu ezengeziwe zinganikezwa. Khumbula, ukuphatha izimali kufanele kufeze injongo ngaso sonke isikhathi.
Kuthiwani uma kunganele kimi?
Hhayi-ke, ngizokutshela ukuthi ithuluzi elinamandla kakhulu yisabelomali, inqobo nje uma wazi ukuthi yini okufanele uyisebenzise nokuthi kungani, akwanele kuwe. Ngaphezu kwalokho, uzokwazi ukuqonda ngokucacile izidingo zakho kanye nezomndeni wakho, khumbula, amanani ngeke ayeke ukushintsha, okungenzeka ukuthi unesu lesimo ngasinye esingenzeka.
uhlelo lokuphatha imali
Lokhu kusebenza ezindaweni ezahlukene, njengokuthi: ukuya emakethe noma esitolo esikhulu, ukuthenga izinto zesikole, ukuthenga ngoKhisimusi, phakathi kokunye. Ungalungisa njengoba kudingeka:
- Londoloza amarisidi akho: Lena indlela esheshayo yokurekhoda izindleko zanyanga zonke, ezingakusiza wenze ibhajethi enembe kakhudlwana, ubone inani elisetshenzisiwe, bese uhlukanisa ukuthi uyonga yini noma cha uma uthenga.
- Hlukanisa imali oyilondolozile: Uma usubala inani lokudla nezinye izinto ezibalulekile, futhi usunciphise izindleko ezingadingekile, yonga lokho okulondolozile kulokho okuthengile.
- Qalisa: Uma usuwazi ukuhamba kwemali, ungavula i-akhawunti yokonga. Injongo ye-akhawunti ihlukile: izimo eziphuthumayo (okungenani izinyanga ezi-3 zeholo), amaholide azayo, isikole sezingane kanye nemigomo ozibekele yona.
- Okokuqala, faka "inani elincane" olisebenzisa kancane ngesikhathi sokuthenga. Bese wengeza inani elinqunyiwe, isibonelo: u-10% wemali engenayo yanyanga zonke (ukuze umthelela ungabi mkhulu kakhulu) futhi kancane kancane wandise inani, isikhathi ngasinye lapho uhlela ukulondoloza, setha kuphela umgomo owodwa ngesikhathi, ngemva kokugcwalisa umgomo wokuqala. , uzokwazi ukuqhubekela phambili, ngakho beka phambili, yini ozoyigcina kuqala?
- Tshala imali oyilondolozile: ukugcina imali imile isikhathi eside akukuhle, uma ukwazile ukonga imali eningi ungaqala ukutshala imali. Ukukhetha okuhle yiLa Tasa.
- Hlela: Izindleko ezingalungile nezici ezihlanzekile zikusiza ukuthi udale isistimu yakho ukuze wazi ukuthi yini okufanele uyenze nokuthi uyenze nini, ngakho-ke awunasizathu sokuchitha imali eyengeziwe noma isikhathi. Isibonelo: ungaphatha kangcono amakhadi akho noma ukhokhe izikweletu ngesikhathi.
Indlela yokuphatha imali yami futhi ngiyonge ngezikhathi zobunzima
Ukuphathwa kwezimali nokonga sekuphenduke umsebenzi oyisisekelo ngezikhathi zobunzima. Lapho sibhekene nokungaqiniseki, ukwenza ngokuqapha kuyisibopho sokuzilungiselela nokuphuma enkingeni; kubalulekile ukusho ukuthi nakuba izifo eziwumshayabhuqe zamanje nezinye izimo zinezinselele, zinganikeza namathuba okonga.
Futhi, isibonelo, uma unethuba lokusebenza eMnyangweni Wezangaphakathi, ungagcina izindleko ezifana nezokuthutha futhi wengeze izinsiza ezengeziwe ebhange le-piggy, kulezi zinhlobo zezindawo, ukuphathwa kwemali kubalulekile. Ngakolunye uhlangothi, izindleko zokulawula, ngakolunye uhlangothi, londoloza izindleko, ungakwazi ukubhekana nanoma yisiphi isimo.
Izindlela ezahlukene zokuphatha imali
Namuhla, ngosizo lobuchwepheshe, inqubo yokuphatha isikhwama iba lula. Futhi, isibonelo, ungathola izinhlelo zokusebenza ze-smartphone ezikuvumela ukuthi ulandelele imali engenayo nezindleko zakho.
Lezi zinhlobo zamathuluzi ngokungangabazeki ziyimpumuzo uma kuziwa ekuphatheni izinsiza. Phakathi kokunye, akukhona nje ukuthi ukwazi ukugcina umkhondo wezindleko nezinkokhelo, kodwa futhi kukukhumbuza usuku okufanele ugcwalise ngalo izibopho zakho.
Izincwadi zokufunda ukuphatha imali
Yebo, abaningi bethu badinga umzamo omncane ukuze baqale le ndlela yokuphatha imali engenayo ngempumelelo. Ngakho-ke, lokhu kungcono kakhulu kunezincomo ezivezwe embhalweni, yingakho lezi zincwadi ezintathu zihloselwe ukufunda ukuphatha izimali:
- Imfundo yezezimali ethuthukisiwe kusukela ekuqaleni: Le ncwadi isuselwe embonweni wokuthuthukisa imfundo yezezimali phakathi kwabantu. Iphinde ibone ukubaluleka kokuphathwa kwezimali njengengxenye ebalulekile yokuguqula izimpilo zabantu.
- Iba nemoto embi kakhulu kunomakhelwane wakho: Umbhali uhlinzeka ngochungechunge lwamakhono okuphatha izimali zabantu abayi-10 ngolimi olunobungane kanye namacala empilo yangempela. Igxile ezindlekweni okufanele uzigweme kanye nezinto ezibalulekile zokuphatha ngempumelelo.
- Ingulube Ye-Capitalist encane: Lesi sihloko asimeleli incwadi kuphela, kodwa futhi nomqondo. Ngaphezu kwalokho, i-"Little Capitalist's Pig" ihlanganisa izinhlelo ezimbalwa, enye yazo okuyidayari yezincwadi ezokusiza ukuphatha izimali zakho.
Ngingayiphatha kanjani imali yami ekhaya?, Izimali zomndeni ziwumgogodla wokuthula nokuzwana. Uma ungakayazi indlela yokuphatha imali ekhaya, sizokunikeza lawa macebiso.
Uma sikhuluma ngendlela yokuphatha imali yami, yiqiniso lokuthi kufanele siqale ekhaya, ngoba lokho kuyisisekelo semithombo ebaluleke kakhulu yokusebenzisa (njengezingubo zokugqoka nokudla). Kodwa uma singenaye nomphathi okahle lapho, sihlela kanjani ukufeza izinhloso zethu, senze izinhlelo, siphile ngaphandle kwezikweletu, noma sithole uxhaso lwezimali?
Amanye amathiphu asebenzayo okuphatha imali ekhaya lethu
- Khuluma nophathina wakho: Imali ekhaya yizinto ezimbili. Isibonelo, umsebenzi noma kokubili akunawo umthelela ezimalini zomndeni, isibonelo, kufanele bahlele isabelomali futhi bahlele ndawonye indlela yokuthatha uhambo lwamaphupho abo noma ukufika komntwana, okuyinto ebaluleke kakhulu.
- Isinyathelo Esiqinile: Uma uthola ukuthi ukuphi (hhayi lapho ofuna ukuba khona, kodwa lapho okhona), yebo, nobabili nizibekela imigomo yekusasa.
- Lungisa izindleko: Uma bebona ukuthi kuyadingeka ukulungisa izindleko ngokusekelwe esimweni sangempela, bazokwenza izinguquko ezidingekayo kuzo zombili izinhlangothi. Akulungile ukuthi umuntu oyedwa kufanele aye ejimini ngaphandle kwamalungelo, kuyilapho omunye eqhubeka nokudla endaweni yokudlela futhi alindele ukuqhubeka nokubuka amafilimu njalo ngezimpelasonto.
- Ukonga: Ukonga kungenye yemikhuba ongeke ukwazi ukuphila ngaphandle kwayo. Ebudlelwaneni bomzwelo kubaluleke kakhulu ukucabangela ukonga, uma kukhona umehluko ekusetshenzisweni kwemali, kuzodingeka bakhulume ngalesi sihloko ngomoya ongcono kakhulu, ikakhulukazi ngokucabangela ukuthi kuhle enjabulweni yabo yamanje neyesikhathi esizayo.
- Ukutshala imali: Ukuba nesikhwama sezimo eziphuthumayo kungasetshenziswa ukonga isikhathi, okuyinto eyodwa, kodwa ngakolunye uhlangothi, ukuhlela amasu izindlela zokwandisa izimali ngokutshalwa kwezimali. Ndawonye, tholani ukuthi iyiphi inketho evumelana kangcono nezidingo zenu.
- Ukusebenzisa imali ngendlela ephumelelayo: Emndenini, kubalulekile ukuhlakulela umkhuba wokuzibuza njalo lapho uthenga, ingabe ngiyakudinga ngempela? Ngingakwazi?.
Mfundi othandekayo, uma ufuna ukwazi okwengeziwe ngezindatshana zethu ezinhle funda:inani lamanje.
