Indlela yokufunda ukuthi ungayisebenzisi yonke imali: amaphutha ayisisekelo

Umholo wakho ukwanele izinsuku ezintathu? Lokhu akusiyo impikiswano yomnyango wakwa-HR, kodwa isizathu esihle kakhulu sokucubungula imikhuba yakho yezimali. Ukungena emigodini ekupheleni kwenyanga kuyindaba encane, noma ngabe umholo wakho awuhambisani nekhadi leplatinum. Phela, wonke owesifazane unethalenta elijabulisayo lokusebenzisa imali engaphezulu kunalokho ayitholayo. Kuyinto engcono kakhulu ukushaya imali kunezinsipho zensipho endlini yokugezela, kodwa kusekhona ukuphazamiseka kule nkathi yokuzijabulisa. Ngokuqinisekile awuthandi ukuhlala ngesonto ngaphambi kweholo lesinkwa namanzi, ufihle kubakweleta futhi uqoqe izinto ezincane emaphaketheni amabhabhathi ebusika. Nazi izizathu eziyisikhombisa eziyinhloko zesimo sakho sezezimali esingenakulinganiswa. Awunayo isikhwama semali
Ngokuxoshwa okungazelelwe noma ushintsho lomsebenzi, uzoshiywa ngaphandle kokuphila. Kumele ube nesitoko semini yokuvula, okungenani, ukuze ukwazi ukukhetha umsebenzi omusha, futhi ungavumelani nomusho wokuqala (ngoba usuvele uthengise ikati ukuthenga ukudla kwekathi). Ezinye izisebenzi zikuvumela ukuba uthole indawo entsha ezinsukwini zezinsuku, ngokwesibonelo, uma ungumuntu wezinwele noma umphathi wezokuthengisa. Kodwa uma "uchwepheshe wezokuxhumana kwe-intracorporate" noma ummeli onephrofayela encane, ingabe kunesidingo esiningi kuwe?

Indlela yokulwa
Ake sithi ungasesha umsebenzi isikhathi esingaphezu kwenyanga? Qala ukudala isikhwama sakho sokuzinza okwamanje. Ukubeke eceleni kwemali kumele kube mncane, kodwa imali. Futhi indlela engcono kakhulu yokwenza lokhu akusiyo ukusebenzisa i-pig-piggy bank, kodwa i-akhawunti yasebhange izogcwaliswa (bese uyifihla ikhadi kude nayo). Kulesi simo, ngeke ube nesilingo esinjalo sokuphula ibhange lezingulube futhi uchithe zonke izimali ezibekwe eceleni, ngaphandle kwalokho, isithakazelo singangena esitokisini sasebhange, okuyinto eyisigubhu, kodwa sisenhle.

Awusindisi imali yokuthenga okukhulu
Uma ungenayo imali yokwenza okuthile okukhulu, kungakhathaliseki ukuthi ingubo entsha yobuningi noma uhambo, uzothola sonke isikhathi ukuziphika ukuthenga noma ukuboleka imali. Kodwa akulula ngaso sonke isikhathi ukuthola abantu phakathi kwezihlobo-abangane-ozakwabo-abajwayele ukulungele ukubolekisa imali ehlelekile, futhi ukubolekwa kwebhange akushibhile manje ngenani lentengo ephakeme kakhulu. Ngakho-ke noma ngabe okwamanje awunakho ukuqonda okuqondile kwalokho ofuna ukukuthenga, vele uhlehlise cishe u-10-15% wemali engenayo yenyanga. Bese unquma ukuthi le mali izoya kuphi - ifulethi noma amathikithi e-Disneyland.

Indlela yokulwa
Hlela konke ukuthenga - kusuka kumikhiqizo kuya emotweni bese ucabangela izindleko zakho zansuku zonke. Ukuze wenze lokhu, ungarekhoda ngendlela edala "imali engenayo / izindleko" noma ukusetshenziswa okwenziwe ngalezi zinhlelo ze-elekthronikhi, kusukela manje ungakhetha futhi ufake noma yikuphi "i-accounting accounting" efanelekayo kukhompyutha yakho noma smartphone. Ngosizo lwaso, uzobona ngokushesha ukuthi yiziphi izinto zokusebenzisa imali ezingancishiswa kalula noma eziqedwe ngokuphelele, ngokukhulula imali "eyengeziwe" ukuze uzibuyisele emuva. Chaza kusengaphambili inani elidingekile oyolisebenzisa ekuthengeni okuphakathi (izingubo, izindlu zasendlini) kanye nesikhathi sokuthenga kwabo.

Unento yentengo ethatha isigamu seholo
Uma uchitha ama-50% wemali yakho engenayo ngento eyodwa yentengo, isibonelo, ukuqasha indlu noma ukukhokhela izinkweletu eziningana, khona-ke uzilahla ukuzinza. Uma kwenzeka isimo esibucayi noma isimo esinzima sezezimali, ngeke ube nezinqolobane zokunciphisa izindleko.

Indlela yokulwa
Udinga ukushintsha isimo ngokuphuthumayo. Isibonelo, qala ukuqasha indlu ephansi kakhulu, isibonelo, ukuthuthela endaweni encane kakhulu, futhi uvumele isikhathi osisebenzisayo emgwaqeni ukuze usebenze ukwanda okuncane, kodwa izindleko zokulondoloza indlu zizoncishiswa. Noma, njengendlela yokukhetha, ungenza ukulungiswa kwemali mboleko, empeleni uhlanganise isikweletu esidala ngenye entsha, ngenani lentandokazi enhle kakhulu.

Unayo izikweletu noma izikweletu?
Uma ubole izindleko zakho zansuku zonke, bese uchitha imali, okwakungenaso isikhathi sokuthola imali.

Indlela yokulwa
Uma uthatha isikweletu semali engenasithakazelo, sinikeze izingxenye ezincane futhi ungenzi izikweletu ezintsha. Uma ukhokha inzalo, buyiselwa imali ngokushesha ngangokunokwenzeka, uziphike ukuthi ujabule futhi ujabule ngokweqile. Imalimboleko ilungele kuphela uma kuthathwa ukuthenga okukhulu futhi okudingekile, isibonelo, indlu noma imoto (uma ungeke ukwazi ukwenza ngaphandle komngane wesondo ezine), futhi inani lezinkokhelo zanyanga zonke lingaphezulu kuka-40% wemali engenayo yomndeni. Uma usebenzisa ikhadi lesikweletu, buyisela imali ebhange ngesikhathi somusa ngaphandle kwenzalo (njengoba umthetho ushiya izinsuku ezingu-40-60).

Uma uthengisa ngokungazenzisi futhi ungacabangi ngemali esetshenzisiwe, uzohlala uhlala phansi, kungakhathaliseki ukuthi uhola kangakanani.

Uthemba izikweletu ngemali engu-0%
Ngaphansi kwemithetho yeRussian Federation, imali yesibopho yasebhange ayikwazi ukukhishwa ngamaphesenti aphansi kunezinga lokunciphisa. Namuhla kuba ngu-8.25%. Futhi uma kubonakala kuwe ukuthi uboleka imali engu-0%, noma ngabe ufunda isivumelwano ngokungahambi kahle, noma lezi zephesenti sezivele zifakiwe ekubalukeni kwezimpahla, lapho isitolo sinikele ngomusa "mboleko".

Indlela yokulwa
Funda ngokucophelela lokho osayinayo, ikakhulukazi ebhalwe ngokunciphisa okuncane futhi uqhathanise amanani, ngaphambi kokuba ungene esikweletini, kungenzeka ukuthi into efanayo esitolo se-intanethi ishibhile kunalowo okhanyisa efasiteleni lesitolo enesibonakaliso esilinga " umboleko ongenasithakazelo. "

Uqeda inkokhelo eyodwa ngosizo lomunye
Ingabe unesimo esicindezelekile kangangokuthi kufanele uthathe isikweletu esisha ukuze ukhokhe omdala? Lesi yisimo esibi kunokwenzeka. Umbuthano ononya, okungeke kwenzeke ukuthi uphume.

Indlela yokulwa
Ukuziphika ngokuzenzekelayo konke, hlala ngesinkwa namanzi, uthathe umsebenzi wesikhathi esithile, kodwa ungathathi imali emisha. Uma kungenjalo awukwazi ukuphuma kulo mgodi wesikweletu.

Uvame ukuthenga izinto ezingadingekile
Uthande ngempela izicathulo zasehlobo, nakuba zingekho usayizi wakho, futhi uthenge ngamabili amaviki ngesonto eledlule. Kodwa ungaziphika kanjani izinjabulo ezincane ozifanele? Kodwa nje kuphela ngemva kokuba injabulo encane ihlala edumazeka kakhulu, lapho kusengesikhathi eside ngaphambi kweholo, nayo yonke imali oyithumele "kule ngubo enhle" futhi "edingekayo kakhulu (i-10 eqoqweni lakho) icala lefoni."

Indlela yokulwa
Ungazikhuthazi ekuthengeni okungadingekile. Ekugcineni, esigcawini esikhundleni sesitolo ungaya ku-cinema noma skate ngeqhwa lokufakelwa. Ukuthengwa okungakahlelwa - kuphela okunye okunye. Kut on the last - into yokugcina.