Ucabanga ukuthi umyeni uhambisa isabelomali semindeni ngokumangalisayo futhi uqondiswa izisusa ezingaqondakali kuwe? Kulesi simo, kudingekile ukuthi ukhulume nabashadile mayelana nenkinga yokuhlela isabelomali semindeni. Futhi akudingeki ulalele noma ubani, uma utshelwe ukuthi udinga kuphela ukuhlela isabelomali somndeni wale miindeni enezinzuzo ezinkulu. Ayikho into enjalo, ungasho ngisho ukuthi yonke into iyayinye. Ngoba inhloso yokusebenzisa isabelomali semindeni ukuqapha futhi ukwabela ngokufanele izimali ezitholakalayo.
Yini okufanele iqalwe nokuthi yini okufanele yenziwe esikhathini esizayo ukuze iqoke kahle isabelomali somndeni nokuthi kusukela manje ngeke kubonakale sengathi umyeni uhlukanisa ngokuphawulekayo isabelomali somndeni? Njalo ngenyanga, umndeni uthola inzuzo, ehlanganisa amaholo omshado futhi, ngezinye izikhathi, neminye imithombo, njengokusiza kwezezimali kubazali, njll. Njalo ngenyanga, amalungu omndeni achitha le mali ngezidingo zawo siqu. Bakhokha izinsiza, i-intanethi, bathenge ukudla futhi basebenzise imali ekuzijabuliseni, njll. Yilokho, inyanga zonke emndenini kukhona izindleko. Ukuze inzuzo nezindleko zihleleke kahle, futhi umnotho womndeni kufanele uhlelwe.
Yenza isabelomali somndeni iyalulekwa inyanga. Esikhatsini sesabelomali esivamile, izimali kumele zidlule izindleko, noma okungenani zilingane. Uma wenza isabelomali semindeni, kuzodingeka ukhombise yonke imali engenayo, futhi esigabeni sokusebenzisa imali kufanele ubhale konke okudingayo ukukhokha nakanjani (ukuqasha, ukudla, intela, ukubolekisa, inkulisa, njll).
Ngokudala isabelomali semindeni, ungazisiza ukugcina imali yokuhamba ukuphumula noma yokuthengwa okubizayo. Ukuze wenze lokhu, ungahlela ukuchitha imali, uhlaziye futhi ubone ukuthi yiziphi izindleko ezenziwe zingenalusizo, nokuthi ungasindisa imali. Lokhu kungenziwa nje kuphela izinyanga ezimbalwa, kodwa futhi ukukwenza kube ngumkhuba. Bheka futhi izinto zizokhuphuka. Ngakho-ke, ungagcina imali yemfundo yesikhathi esizayo yezingane, nemoto kanye nesiqandisini esihle
Isabelomali somndeni siphinde senze umsebenzi onjalo njengesivimbela. Kuyasiza lo mbhangqwana ukulawula inani lemali elingasetshenziswa, futhi imali engakanani yokuyeka. Lokhu kuyasiza kakhulu emindenini engenalwazi kule nkinga enzima - ukusatshalaliswa kwesabelomali somndeni.
Kuyo yonke imindeni, umuntu akakwazi ukukhetha uhlelo olulodwa jikelele nolulungele ukwabela isabelomali somndeni. Sikukwazisa, ngaphambi kokuqala ukuyihlanganisela, ukucabangela izici ezinjengokuthi:
- Ubudala bamalungu omndeni. Lokhu kufanele kucatshangelwe ngoba ukutholakala kwezingane ezincane emndenini kubonisa ukukhuphuka kokusetshenziswa kwezambatho ezintsha, izicathulo, amathoyizi. Intsha ingase isithole imali, kodwa imali yabo engenayo ayifanele futhi ayibalulekile. Ngakho akudingekile ukuba ungene ohlwini lwamaholo.
- Izingxenye zezomnotho ezifaka umthombo oyinhloko wemali engenayo yomndeni - inkokhelo, nemithombo engeyona eyinhloko - inzuzo ekuqashweni indlu, ekuqashweni, ekwenzeni imisebenzi eyengeziwe, engeyona eyinhloko, njll.
- Inombolo yenombolo, okusho inani lamalungu omndeni asebenzayo nabangasebenzi. Emva kwakho konke, uma kukhona abantu abahlanu emndenini wakho, kanti kuphela oyedwa othola imali, ngakho-ke, izinga lemali engenayo ilungu ngalinye lomndeni liyoba, ukulibeka ngomoya omncane, elincane.
- Izinga lomndeni lezidingo. Umndeni ngamunye unesilinganiso esithile sokuphila, futhi ngaphezulu, ukuphakama nokubiza kakhulu izidingo zelungu ngalinye lomndeni libe. Njengoba kunesidingo sokuthenga izinto ezidakayo zendlu yasendlini, izingubo ezibizayo, izicathulo, udinga ukuqasha umntanakho ingane, ukuze ukwazi ukuthola isikhathi sokusebenzisa imali, ukuya ekamelweni lokunethezeka kanye negumbi lokufaneleka.
Futhi manje sizoxoxa ngezihloko eziyinhloko zesabelomali somndeni.
Izinto zokuchitha imali.
Kungenxa yokuhlaziywa kwalezi zihloko ukuze zinikezwe isikhathi esengeziwe, ukuze kamuva zilondoloze. Ngokwemvelo, okuqukethwe kwabo kuthinteka kakhulu endleleni yokuphila yomndeni kanye nokuthandayo, kodwa kukhona nesampula esethiwe. Izindleko ezisemqoka nezisimemezelo eziwuphawu lomndeni ngamunye zingahlukaniswa ngezindleko ezinjalo:
- unomphela, ngendlela yokukhokhelwa komphakathi kanye nokuphoqelelwa, isibonelo, ukukhokhwa kwezikweleti zemali, izizindleko zezimoto, i-Inthanethi, njll;
- ukudla;
- izingubo;
- kwimfundo kanye nentuthuko ejwayelekile;
- ukwakha ingaphakathi langaphakathi;
- ukuphumula;
- ukuhlinzeka ngendlela ethile yokuphila emndenini.
Izikweletu - izitha zesabelomali
Ekuphileni, izimo ezingalindelekile zenzeka uma isabelomali sanyangazonke somndeni sesiphelile ngaphambili kunokuba bekufanele kube. Lokhu kusho ukuthi ubalwa ngesabelomali somndeni wakho ngokungalungile. Udinga ukuthola kuwo iphutha owenzile futhi ulilungise, kungenjalo lesi simo singenzeka futhi. Uma uthola lezi zizathu, qiniseka ukuzicabangela, zizokusiza esikhathini esizayo.
Wena, njengoba usesimweni esinzima kangaka, kusengakapheli isonto ngaphambi kweholo lakho, futhi, njengoba besho, ufuna nje ukudla, ufuna ukunquma ngendlela elula yokugcwalisa isabelomali somndeni wakho, ukuthi ungathatha kanjani imali esikweletini. Kodwa kufanele uqaphele ukuthi kuzodingeka babuyiselwe, futhi mhlawumbe ngisho nesithakazelo! Ukuntuleka kwesabelomali sakho ngale ndlela ngeke kulungiswe.
Ukuthenga okubiza kakhulu
Noma yikuphi ukuthenga okukhulu kufanele kuhlelwe kusengaphambili. Kufanele uhlaziye imali engenayo kanye nezindleko, qiniseka ukuthi lokhu kuthenga ngeke kudale umonakalo omkhulu kubhajethi yakho. Uma ungenalo okwanele, zama ukunciphisa izindleko ezithile noma ngisho nokuzikhiphela ngokuphelele.
Uma ususe imali eyanele, ungasheshi ngokuthenga, ngoba isabelomali somndeni akufanele sikhathele kuze kube sekupheleni. Phela, kungase kwenzeke ukuthi le mali ingadingeka ngokuphuthumayo kumacala abaluleke kakhulu.
"Umndeni we-piggy bank" nezingane
Abantu abaningi bakholelwa ukuthi kuphela amalungu omndeni omdala kuphela okudingeka ahlele isabelomali, futhi abantwana akufanele babe nento yokwenza ngayo. Kodwa ukuvumela ingane ukuba ihlanganyele ekuxoxweni kohambo oluzayo olwandle, noma ukukwazi ukulahla imali ethile, uvumela ingane ezingeni lokucabanga kwengqondo ukuzizwa ilungu elibalulekile lomndeni. Futhi lo mzuzu wezemfundo uzokusiza ukuba ufundise ingane yakho isiko lesimo sengqondo esifanele ngemali nokwelashwa nabo. Lokhu kuzoba yinto ejabulisayo kakhulu kuye, ingane esikhathini esizayo izoqala ukucabangela ngaphambi kokuba ikucele ukuthi umthengele elinye ithoyizi elibiza kakhulu. Ngemuva kwalokho, uzokwazi ukuthi imali ayibonakali emoyeni, futhi inendawo yokuphela.
Ukuze uqiniseke ukuthi umyeni wakho akahambisani nesabelomali semindeni ngokweqile, futhi njengoba ubona kufanelekile, zikhethele isibonelo sebhajethi yomndeni wakho.
Isabelomali esihlangene.
Ezweni lakithi, imodeli evamile kakhulu yesabelomali semindeni ibhajethi ehlangene. Lolu hlobo lwesabelomali lomndeni lithi wonke amalungu omndeni ahlanganyela ekulahleni kwemali, ngoba yonke imali engenayo iya "kwelinye ibhange". Abashadile bayavuma ukuthi ayikho "yakho" futhi "yami" imali emndenini, kungakhathaliseki ukuthi ubani othola okuningi.
Yabelana ngesabelomali
Uma umndeni uthatha isibonelo esinjalo sesabelomali semindeni, kusho ukuthi indoda nomfazi babala zonke izindleko ezidingekayo ngenyanga ezayo, kanti inani elisele lihlukaniswe phakathi kwabo noma libe yingxenye, noma njengoba bebona kufanelekile. Ngokuvamile imali ihlukaniswe ngokulingana nenkokhelo yabashadile. Ngokwemvelo, lowo owamukela umholo omncane ngeke akwanelisekile ngaleyo ndlela. Phela, uthola kungalungile ukuthi uthole imali encane kunezinye izindleko zakhe.
Isabelomali esahlukanisiwe
Lesi simodeli sesabelomali somndeni sisanda kakhulu eYurophu, futhi sesiqala ukuvela. Lapho uhlela isabelomali somndeni salolu hlobo, abashadile baqaphela kakhulu ngokuzimela kwabo kwezezimali kusuka komunye nomunye. Emndenini onjalo, abashadile bajwayele ukuzimela ngokuzimela bese bekhokha izikweletu zabo. Yiqiniso, kwezinye izindaba zezimali bakhokha ngokulingana, isibonelo, bakhokhela izindleko zezindlu noma bahlawule imfundo yabantwana.
Uma ukhetha imodeli yesabelomali yomndeni womndeni wakho, kufanele ukhumbule ukuthi kufanele kuvunyelwe wonke amalungu omndeni, ngaphandle kwalokho kuzoholela ekunganeliseki okufihliwe kanye nempi yomndeni wesikhathi esizayo.
Sonke sinemikhuba nemibono mayelana nokuphila esikufundiswe lapho siphila kanye nabazali bethu, futhi yikuphi esidlulisela umndeni wethu omusha omusha ukuze uthole soy. Ngokuvamile kwenzeka ukuthi imibono yokuphila kanye nokuphathwa kwesabelomali somndeni kubantu abasha abasha abahluke kakhulu, futhi abakwazi ukufika esivumelwaneni esivumelwaneni. Kodwa kubaluleke kakhulu ukuthola ulimi oluvamile kule nkinga futhi ngokuhlanganyela ukhethe imodeli yesabelomali somndeni womndeni wakho.