Ukuphila ndawonye kungabi nzuzo kwezomnotho. Sinikeza izinketho eziningi zokwenza isabelomali somndeni. Okokuqala, ake sicabangele lapho abalingani ababili behola, Umlingani ngamunye ubeka amarisidi akhe emali "emalini" yomndeni, futhi njengoba kudingeka ukuhoxisa izimali ezivela lapho.
Yile ndlela isabelomali semindeni esilungiselelwe ngayo, lapho inkokhelo yomfazi nomyeni ihluke kakhulu. Le ndlela ifanelekayo emibhangqwaneni enokuthula enesithakazelo esifanayo, ngale ndlela ngeke ibe yindlela yokuhlela isabelomali, kodwa indlela yokwabela izimali. Uma izimali zomuntu zihlukile futhi ngesikhathi esifanayo kakhulu kakhulu komunye, khona-ke lowo ohola okungenani uyothola, akasuke engenaso isikhuthazo sokuthuthukisa. Futhi ukuhluka okunjalo kokuhlela kwesabelomali kuvame ukulahleka.
"I-piggy bank" yomndeni ibhekwa njengenqubekela phambili. Imali engenayo ihlukaniswe izingxenye ezimbili: ezomuntu siqu nomphakathi. Futhi okunye kuxhomeke kulokho umndeni onakho ohlelweni olulodwa: izidingo zomuntu siqu noma ezijwayelekile. Umlingani ngamunye ubeka inani elilinganiselwe ebhange elinengulube ngenxa yezidingo zomndeni, kungaba umuthi wokugcoba, iphepha lokungcelela njalonjalo. Kodwa njengoba umkhuba ubonisa, le ndlela yandisa izindleko kuphela.
Indlela ehlukile ukusabalalisa imali "kuma-envelope." Kulesi simo, izindleko zomndeni zinqoba izindleko zomuntu siqu. Futhi ukusabalalisa kusho ngalesi simo kunzima kakhulu. Kuthathwa izithuthuthu eziningana ezingenalutho, zisayinwe ngokwezindleko zomndeni. Ezimvilophini zomlingani, zibeka eceleni inani elifanayo.
Thola ukuthi ingakanani imali ekhona ku-envelopes ngayinye, ungakwazi kuphela emva kokubala okude. Isamba esisele semali, ngemuva kokuba imali isakazwe phezu kwezimvilophu, kubhekwa njengokonga kwabo. Kodwa kukhona ingozi ukuthi oshade naye, umholo wakhe awuncane kubhontshisi, ngenxa yokuthi angeke abe nokulondolozwa komuntu siqu. Kodwa le ndlela ithembisa, uma ufuna imali eyengeziwe, kudingeka usebenze okwengeziwe.
Cabanga ngomndeni lapho omunye womshado osebenza khona kuphela.
Amathiphu avela ochwepheshe:
1. Sibala izindleko. Futhi, ekugcineni, ungaqiniseka ukuthi sichitha okungaphezu kwalokho esikutholayo. Sizobala zonke izindleko zingakapheli izinyanga ezintathu.
2. Sindisa amaphesenti angu-10 azo zonke imali ezitholile.
3. Ukunciphisa izindleko. Senza lokhu kumuntu oyinhloko, futhi kumuntu ohlala ngaphandle kweholo.
4. Ukufunda ukuya ezitolo, badinga ukuhlela, hhayi ukuhlukunyezwa.
5. Sihamba nohlu ku-hypermarket. Amanani ema-hypermarket ayithengi kakhulu, futhi uma wenza ngamabomu, ungagcina imali. Sithatha inqola encane, ngemuva kwakho konke, sizama ukugcwalisa isikhala esingenalutho ngokushesha ngangokunokwenzeka kwengqondo.
Amathiphu ambalwa ambalwa okuqala ukulondoloza
Faka ama-light bulb-light bulbs, indlu yangasese enezingcingo zokugeleza kwamanzi, izibalo zamanzi. Futhi-ke ukuqashwa kuzokwehliswa ngo-30%. Uma ukhokhela ugesi ebusuku namazinga omhlaba, kuwukuhlakanipha ukugijima ukugeza nokushayela umshini emva kwamahora angu-23, uma u-3 izikhathi ugesi eshibhile.
Sithenga amakhadi okuhamba. Ikhadi elingaphansi komgwaqo lingakwazi "ukuziphendulela" izinyanga ezintathu, uma uya emetroshini ngaphezu kwesisodwa ngosuku.
Uma kukhona imoto, imali eningi iya kuphethiloli. Uma usondeza esiteshini esisodwa segesi, ungawacela ikhadi lesaphulelo. Ngisho noma usindisa i-ruble elingu-1 ngetregi, ungagcina ama-ruble angaphezu kuka-200 ngenyanga. Uma kungenzeka, sigcwalisa imoto endaweni, hhayi edolobheni. Awudingi ukulayisha ngokweqile imoto, gwema imishayezo yezimoto, bese ungagcina ama-ruble ambalwa kuphethiloli.
Imikhiqizo engenakonakalayo (macaroni, okusanhlamvu, ushukela) athengwa ngamaqoqo amakhulu. Futhi izimpahla zasendlini (izipanji, insipho, amakhemikhali omkhaya) sithenga ngobuningi.
Izimfihlo eziyigugu
1. Abantu abaningi, lapho bathola umholo, bakhuphuka ukuthenga, futhi kukhona nokuthengwa okunjalo, ngaphandle kwalokho ongakwenza ngaphandle kwakho. Futhi ake sihlehlise konke ukuthenga kusasa. Le "fever shop" izophela ngokuphelele, noma ifinyelele. Futhi ekuseni ngekhanda elisha unganquma ukuthi yini okudingayo ukuthenga kuqala.
2. Thola isikhwama esincane se-trifle, futhi uthele ushintsho oluncane kulo, ngaphandle kokuchitha noma ukubuka. Uma izikhwama zephepha ziphela, khona-ke uyomangala ukuphawula ukuthi kulesi sikhwama inani elihle kakhulu liqoqwe.
3. Ungathathi isikweletu, uma kukhona kuphela, isidingo esikhulu. Kodwa kufanele unike lapho udinga, ngaphandle kokulinda. Uma usesikweletu, cela ukubuyisela yonke imali ngesikhathi esisodwa, kodwa hhayi ezingxenyeni.
4. Ungathengi izinto ezincane ezimbili noma ezintathu zohlu oluphansi, ngakho-ke imali oyithola ngayo isabelomali.
5. Hamba esitolo ngehlu olungaphambi kokuhlanganiswa kwezimpahla, futhi ungashiyi uhlu uma ukhohlwe ukubhala okuthile. Ungabuyela kusasa. Asikho isidingo sokukhohliswa ngephakheji enemibala enhle, ayithinti ikhwalithi yezimpahla, kodwa yandisa inani layo kuphela.
6. Zama ukulandela iseluleko sowesifazane othi, ngokuthuthukiswa komndeni, wanquma ukugcina imali. Weluleka ukuba ahlele ikhadi elilodwa lepulasitiki lamabili, uma selikulungele, udinga ukulihlanganisa. Khona-ke omunye uba ngumnikazi wekhadi, futhi owesibili ukhumbula ikhodi ye-PIN. Lolu lwazi komunye nomunye akufanele lushintshwe. Le ndlela inezinzuzo eziningi, ukuthenga kwenziwa ngokuvumelana, futhi kunganciphisa kakhulu izindleko zomndeni. Uma uya ebhange nomlingani wakho, ukuze uhoxise imali ekhadini, ungashintsha ingqondo yakho futhi wenze ukuthenga okungalungile.
Mhlawumbe othile uzothola lokhu okungaqondakali, kodwa inhlalakahle yethu yezezimali inqunywa ukuthi uhlala kangakanani ngokusho, hhayi ngobukhulu bemali engenayo.
Yini ephila ngezindlela? Lokhu akusho ukuthi udinga ukwenqaba konke ngaphakathi kwakho futhi ulondoloze imali ezintweni ezijabulisayo. Mane nje udinga imali ukusabalalisa kahle. Yebo, ngingathanda ukuba nokuningi.
Nganoma yiliphi inani lemali awukwazi ukusinda kwenye iholo, futhi ungazi ukuthi uzokhokha ini imali, futhi ungahlala, ujabulele izinjabulo ezincane empilweni.
Ukhetho lokugcina ludinga ukuhlonishwa kwemali kanye nekhono lokwakha isabelomali somndeni.
Sizokunakekela isabelomali semindeni, bese sizokuqonda lapho yonke imali ethembekileyo etholakalayo ehamba njalo ngenyanga. Futhi-ke usungakwazi ukuhlela izindleko, gcina imali yokuthenga okukhulu futhi ugcine imali.
Ukucatshangelwa kahle nokuhlelwa kabusha kwesabelomali yomndeni kunikeza umqondo wokuzinza nokuzethemba. Cabanga ngebhajethi yakho bese ulala ngokuthula.
Senza kanjani lokhu?
Ukuphatha isabelomali somndeni, kunezinhlelo eziningi zekhompyutha. Ukuhlukunyezwa kwabo kuphela ukuthi bafanele zonke izikhathi futhi bahle kakhulu. Kodwa sidinga okuhlukile, icala lethu. Futhi ingabe kukhona njalo ukugcinwa okunjalo okunzima?
Indlela elula yokubhala ebhukwini elikhethekile noma kwidayari yirekhodi elilula lezindleko nemali engenayo. Ngesilingo nesiphambeko, ungathola ifomu lerekhodi elizobe lihle kithi.
Emkhakheni owodwa sibhala phansi yonke imali eyatholwa inyanga kanye nezindleko. Kuyinto efiselekayo ukuthi kukhona indawo yemidwebo yokugcina. Khona-ke itafula lonke lizoba phambi kwamehlo akho, futhi ungakwazi ukuhlaziya kalula. Uzodinga amashidi ayi-13, ishidi elilodwa lenyanga kanye nelinye lokubala inani lonyaka.
Ngemali, sonke siyiqonda, lesi sigaba sizofaka imali engenayo yawo wonke amalungu omndeni, kanye nemali engenayo eyengeziwe: izipho, amabhonasi, izimpesheni, izinzuzo nokunye.
Sisabalalisa izindleko ngezihloko futhi sibhala, kungaba ukudla, izindleko zezokwelapha, ezokuthutha, izinsiza, izembatho, ukudla nokunye.
Khona-ke ngesikhathi sokusabalalisa izindleko, ungakwazi ukuxazulula ezinye izinkinga. Uma ukudla kufana nemibono yakho mayelana nokudla okunempilo, kulinganisela, futhi ngokudla, usebenzisa imali enengqondo, ngakho-ke uhlobo oluthile lokudla akudingi ukudala amagrafu ahlukene. Konke kuhle lapha, futhi kufanelekile ukubuka ithuba lokulondoloza kwenye indawo. Uma udla ama-sandwich, imali yakho ihamba ize, khona-ke udinga ukubhala phansi ukuthi imali esetshenziselwa imikhiqizo eyithengiwe ekugcineni, kwimikhiqizo yobisi, inhlanzi, inyama nemifino.
Abanye abantu bahlukanisa zonke izindleko emaqenjini amathathu - izinkokhelo ezifunwa, izinkokhelo ezidingekayo kanye nezinkokhelo eziphoqelelwe. Futhi kakade ngaphakathi kweqembu ngalinye udinga ukusabalalisa ngezinto ezibiza. Khona-ke kuyoba lula ukusabalalisa imali, yiliphi iqembu elizobe lihamba khona imali ukuxhuma imigodi, ngenxa yezindleko ezingalindelekile. Lezo zindleko ezidinga ukukhokhwa njalo, imali yakho ayixhomeki kuwe, udinga ukuwahlanganisela esihlokweni esisodwa - "izinkokhelo ezihlala njalo". Lapha konke kuzoxhomeka ezidingo zakho ezikhethekile kanye nesifiso sakho.
Into yezindleko "ezihlukahlukene" noma "ezinye" ziyoba yisimiso kuwe. Kukhona njalo izindleko ezincane kakhulu, okungazi ukuthi ungaphi, futhi ngokuvamile ngesibalo zifinyelela ezibalweni ezibonakalayo. Lapha kufanelekile ukucabangela ukuthi kungani lokhu kwenzeka. Mhlawumbe, othile ovela emndenini wakho uthenga noma iyiphi inkunkuma, kuphela ngoba engabizi.
Kumele uqaphele ukuthi zingaki izinyanga ochitha imali kuzo zonke izinhlobo zezindleko ezingalindelekile. Futhi esikhathini esizayo sizoletha amanani athile kwisabelomali esihleliwe. Ungakhohlwa ukuhlela izindleko zezinsuku zokugcina, imikhosi yomndeni namaholide. Uma uqoqa imali yokuthenga okukhulu, udinga ukubeka le mali ebhokisini elihlukile. Kukholomu ehlukile kuzoba khona izinkokhelo ezikweletini namakhredithi.
Ekupheleni kwenyanga, sizobamba futhi sixoxe emkhandlwini wendlu. Unethuba elihle lokulandelela izindleko, ukushayisana, ukuhlela izindleko zesikhathi esizayo, futhi ube nethuba lokuxazulula umehluko womndeni.
Ungayisebenzisa kanjani
Kunzima ukukhuluma ngenye indlela yokuhlela, kuze kutholakale izibalo ezithile. Ngokusekelwe kwimiphumela yenyanga yokuqala, singathola iziphetho. Ukwazi ukuchitha kwakho, ungabheka ukuthi iyiphi enye imali eyahamba.
Mhlawumbe ngokubheka wonke lawa marekhodi, uzobe ukhathazekile uma ubona ukuthi imali esetshenzisiwe ezintweni ezingadingekile ozithengile ngokuzidela. Kusukela kwezinye izindleko, njengoba kamuva, kuvela, kungenzeka, ngaphandle kokulimala ukwenqaba, futhi le mali ukuqondisa kwezinye izidingo.
Ukuhlaziya izibalo, kungenzeka ukuqonda ukuthi imiphi imikhiqizo ethengwe ngokweqile, nokuthi yimiphi imikhiqizo edinga ukuthengwa ngobuningi. Futhi ngesikhathi esifanayo udinga ukuthola ukuthi yimiphi imikhiqizo okudingayo ukuthenga kumaphakheji amakhulu.
Manje sisazi ukuthi singasakaza kanjani imali ngokwezimali. Udinga ukwenza njengomuntu onolwazi olunemininingwane, ukuthutha kusuka ku-accounting kuya kuhlaziywa, bese - ukufeza izinhlelo nokuhlela.