Akukhona ukuthi asifundile indlela yokuthola imali. Abesifazane bancike ezinkathini zokudala zokuziphatha, ngakho-ke inkinga yezimali ikhona emkhakheni wezokwelapha.
Amaphutha wezezimali zebesifazane
1. Zonke izindaba zezimali ozidlulisela kumuntu
Kusukela ebuntwaneni, sitshelwa ukuthi indoda iyindoda, kanti owesifazane ungumpheki, umgcini wendawo yokulala, umfazi othandekayo nomusa okhulisa izingane. Nasi isibonelo esivamile: owesifazane obeletha ingane, uhlala enqumweni iminyaka emithathu, ubeletha ingane yesibili, kudlule iminyaka emithathu, futhi ngenxa yalokho, iminyaka engu-6 owesifazane walahlekelwa isitifiketi sakhe njengomchwepheshe. Futhi umndeni wakubo wawuhlala ngokugcwele, banakho konke okwekhredithi, bathatha imali yokubolekisa indlu, imali yokubolekwa kwabathengi ukulungiswa, ukubolekwa kwemoto emibili. Kodwa kuvela ukuthi umnikazi omusha uthola inkampani yomyeni wakhe, amaholo ayancipha ngesigamu, futhi umfazi akakwazi ukuthola umsebenzi ngemva kokuphumula kweminyaka eyisikhombisa. Futhi uma umfazi ekwazi ukufunda nokubhala ngokwezimali, ngabe akavumelanga lokhu, ngabe uzozifundela, hhayi ukulahlekelwa iziqu zakhe, angakha "indawo yokugcina" esikhathini esizayo, ngaphambi kwesimiso sokuqeda imali, ngoba wayazi ukuthi unomthombo owodwa wemali engenayo, futhi abe engozini.
2. Ayikwazi ukunquma imigomo
Uma ubuza umuntu ukuthi ingcebo noma inhlalakahle yezimali, bonke bazophendula lo mbuzo ngendlela yabo. Isifiso esithile sizotholakala, ukuthi ubani okufanele alwele, lokhu kuzoba yisinyathelo sokuqala sokuzimela ngokwezimali.
3. Ungathembi intuition yakho
Ekufezeni imigomo, owesifazane kufanele amethembe intuition yakhe, ithuthukiswe kangcono kunamadoda. Kudingeka ufunde ukulalela futhi uzokutshela okufanele ukwenze. Ungesabi ukwenqaba uma ucela ukuboleka kumholo, ukuze kamuva ekupheleni kwenyanga ngeke ube nesandla eseluliwe.
4. Ukhohlwa ngempilo yakho kanye nawe
Lena iphutha elikhulu, udinga ukuya kudokotela ngesikhathi, uya ejimini, hamba eholidini, thola ukuchitha isikhathi okuthandayo. Thatha umtsetfo ngazo zonke izinkokhelo ukuze ulondoloze umhlalaphansi, uqinisekise impilo yakho.
Nasi isibonelo sokuphila. Owesifazane oneminyaka engama-45 kuphela uveza indodakazi eneminyaka engu-10 ubudala. Ukusebenza enkonzweni yomphakathi iminyaka engu-15, umsebenzi omuhle futhi ozinzile. Kodwa ngenxa yokweqisa okuqhubekayo emsebenzini, impilo yakhe iyawohloka, ngoba ngesikhathi esisodwa kwakungekho isikhathi sokuya kudokotela, kuze kube yilapho kuhlaselwa khona inhliziyo. Ikhefu elide lokugula, ipenny ukuze uthole imali yokuphila, kwakudingeka ihanjane indlu yokuhlala encane, kwakufanele idayise imoto. Uma lo wesifazane enezindleko ezingalindelekile isikhwama sokugcina imali futhi enomshwalense wokuphila, ngabe ungakugwema lokhu.
5. Awunayo imali yakho
Abesifazane banesimo esibi kakhulu - bakhathazekile ngabantu bonke, kodwa hhayi ngokwabo. Udinga ukuba ube ne-stash edingekayo, lezi yizindleko zakho zenyanga zonke, wanda ngamathathu, lokhu kuyisidingo esidingekayo. Uma umndeni wakho uchitha ama-ruble angu-50 000 ngenyanga, i-stash, okungenani kufanele ibe ama-ruble angu-150,000. Awudingi ukugcina imali yakho ekhaya, ngoba kuyasilinga ukuchitha imali, futhi udinga ukuyibeka ebhange kudiphozi ephindaphindiwe, ukuze ukwazi ukuhoxisa imali ngaphandle kokulahlekelwa inzalo.
Owesifazane ngamunye, ukuze angahlali emgodini ophukile (umshado ungahle uhlakazeke, izingane zizokhula), kufanele zibe nokuzihlanganisa kwazo eminyakeni engama-60, ukuze ziphile ezingeni elifanele futhi azixhomeki kuhulumeni, futhi kungabikho muntu. Kodwa kaningi kukhona abesifazane abafana nalabo, lapho bekhulile, banikela ngemali yabo kubantwana abadala nabazukulu, ngenkathi bengenayo imali yabo.
6. Ukwenza isimo sengqondo nokuqeda ukukhwabanisa ukwenza izinto ezithengisayo
Ngokuvamile, besifazane, bethengisa ezitolo, baya emkhawulweni wesikweletu. Ngaphambi kokuya esitolo, yenza uhlu lokuthengwa, ungasheshi ukuhlukanisa ngemali uma intengo yokuthenga ingaphezu kwama-$ 100. Cabanga ukuthi uyayidinga noma cha. Ngaphambi kwamaholide, thola imali yezindleko ezincane noma isabelomali esilinganiselwe futhi ungaphumi kuwo.
Imithetho yezezimali yowesifazane ohlakaniphile
- Yenza imigomo ngaphambi kokuthatha umhlalaphansi. Kufanele ziqondakale ngokwezindleko kanye nesikhathi.
- Ngezindleko ezingalindelekile, yakha isikhwama, inani kufanele lilingane nezindleko zenyanga, ezandiswa yi-3.
- Ungasebenzisi imali engaphezulu kunayo enayo imali. Ngaphambi kokuba uboleke imali, cacisa ngokukhokha imali. Ingabe ukulungele ukunikeza ibhange imali eningi kabili njengoba uthathe?
- Buka izindleko nemali engenayo, thola uhlelo lwekhompiyutha yokubika kwezimali.
- Faka isicelo somshuwalense ukuvikela ezingozini eziyisisekelo - impilo, impilo, umshuwalense wempahla. Ukuze uzivikele ezindleko ezinkulu, usethe umkhawulo wokuchitha ongayisebenzisa phakathi nosuku.