Uthola okuningi, kodwa awunayo imali? Ubizwa ngokuthi "u-spender", futhi uzizwa ukuthi kunjalo? Konke kulungiswa! Sizokutshela indlela yokufunda ukuthi ungasindisa kanjani owesifazane wanamuhla. Yebo, ngokuyisisekelo, lezi zindlela zifanele amadoda ...
Emadodeni, ngokusho kocwaningo loMnyango Wezezimali Zomphakathi we-State University-Higher School of Economics, ukugcina imali kuyingxenye eyodwa yesithathu ephakeme kunabesifazane. Lokhu akukona nje umphumela wokwahlukana kwamaholo kanye nekhono lethu lokusebenzisa imali etholakalayo enyangeni ngosuku olulodwa. Izazi zengqondo zithi ukuqoqwa ngokuvamile kuvamile ngamadoda, ngoba bafundiswa kusukela ebuntwaneni ukuthi kuzodingeka basekele umndeni esikhathini esizayo. Ngenkathi amantombazane evame ukukhuluma ngezinzuzo zomshado ngokubala. Kodwa kungcono ukushada ngothando, kodwa ukwenza imali ngezinye izindlela.
YIBA IZINJONGO.
Ukulondoloza imali kungcono okuthize ukukhonta, empeleni ukuthuthela emgomweni (kungakhathaliseki ukuthi kude kangakanani) kulula kunokungabikho ndawo. Uma uzothenga, ngokwesibonelo, imoto, zicabange ungenawo umbala, kodwa imoto eqondile. Isibonelo, i-yellow minicar ekhanyayo yomkhiqizo wase-Italy. Umgomo ocacile, ngokushesha uzowufinyelela.
Yebo, ngendlela mayelana nesikhathi. Uma uzimisele, ngaleyo ndlela ulinganisela usuku lapho ungakwazi ukuthenga lokho okufunayo. Ungakwazi ngisho nokudweba isimiso bese ubhala kuso izinyathelo ezithathwe kule ndlela. Hlanganisa endaweni evelele endlini - futhi ujabulele inqubekela phambili. Ngikholelwa, nginephupho lokukhonkolo, uzothola njalo izindlela zokuwuthola. Uma ungayithenga, kunjalo.
BHOKA UKUKHALWA KWEZIMALI.
Ungakwenza kahle esitolo - kuselula yakho, bese udlulisela la manothi encwadini uma ufika ekhaya. Ekupheleni kwenyanga uzokwazi ukuthi imali yakho iya kuphi. Lokhu kuzokuvumela ukuba unqume ukuthi ungayilondoloza yini, nokuthi yini ongayenza ukuze ungayeki. Yenza njalo ngaso sonke isikhathi, ungabi nhlobo usuku olulodwa. Uma kungenjalo, inani lokugcina ngeke lilungile.
YENZA IZIMALI.
Gcina imali kufanele ibe okungenani ebhange nge-akhawunti ye-deposit, eqinisekisa ukukhula kwabo ngo-12-15% ngonyaka. Ekuqongweni kwemali ayikwazi ukuqoqa - ukwehla kwamandla emali kuzodla njalo ingxenye yezimali, ukunciphisa amandla abo okuthenga. Amanani amancane (ama-ruble angaba ngu-10 000.) Angatshalalwa ku-Mutual Funds (izimali zokutshalwa kwezimali) kanye ne-OFBU (izimali ezijwayelekile zokuphathwa kwebhange). Okufanele ukwenze ngezimali eziningi eziqinile, umeluleki wezezimali uzothuthukisa. Ngandlela-thile, akukaze kudingekile ukugcoba. Ngikholelwa ukuthi izinzuzo ezitholakale ngenxa yokuthengiselana okuphumelelayo zizofaka izindleko zakho kongcweti okungaphezu kwesisodwa. Kunoma yikuphi, kufanele wazi kahle ukuthi ungakanani imali nokuthi ungakanani imali. Ungenzi yonke imali yakho eyodwa, ngisho ne-akhawunti enenzuzo kunazo zonke, ngisho nebhange elinokwethenjelwa kakhulu. Lokhu kuzokutshela noma ubani oqonda ukonga nezomnotho. Isimo sezezimali ezweni lanamuhla alisimeme kakhulu - ungafaki zonke amaqanda kwelinye ibhasikidi.
PHELA UKUTHANDA.
Njengoba uqoqe imali ehlelekile ku-akhawunti, ungayithathi yonke imali ngokushesha. Thatha ukubusa kwe-interest compound. Ama-ruble ayikhulu, atshalwe ngo-10% ngonyaka, azoba ama-ruble angu-110 ngonyaka, futhi emva kweminyaka emibili - 110 + 10 + 10 + 1 = 121 (l = 10% we-ruble ayishumi). Le ruble ingumphumela womsebenzi wezinzalo ezakhiwe. Kubonakala kungekho okuningi. Kodwa uma usebenza ngemali emikhulu, ngakho-ke uma useneminyaka engamashumi amabili nanhlanu futhi kanye ngenyanga uzofaka ama-ruble angu-1000 ebhange ngo-9% ngonyaka, uma uthola amashumi ayisithupha, uzosindisa ama-ruble angaphezu kwezigidi ezintathu! Futhi amaphesenti kuphela kusuka kubo azothola ku-1000 "aluhlaza" njalo ngenyanga.