Ngaso leso sikhathi kuyadingeka ukuthola izimpendulo zemibuzo eminingi ngokuphathelene nemali:
- kanjani futhi kuphi ukugcina imali eyitholile?
- indlela efanele yokwabelana ngemali kuzo zonke izidingo zomndeni osemusha (okwenzeka ngokuzumayo)?
- ukuthi ungayenza kanjani ukuze uma uthumela imali "kubheyili" jikelele, uzizwa uzimele njengaphambi kokuphila komndeni?
Ochwepheshe kanye nochwepheshe emqondweni wengqondo yomndeni kakade banikeze izincomo zabo kule mibuzo neminye. Amasu okuphatha isabelomali somndeni angahle ahlukaniswe ngokomthetho ngale ndlela: isikhwama esivamile, esivamile noma esahlukile. Isikhwama esivamile sisho ukuthi abashade bafaka imali yabo endaweni eyodwa futhi benza izinqumo ezihlangene mayelana nokusetshenziswa kwemali emikhulu noma ukuthenga, futhi bathathe imali ku-cashier jikelele ngaphandle kokubika. Uma ulawula izikhwama ezihlukene, ama-akhawunti wabashadile ahlukile, akhokhelwa izindleko noma ingxenye, noma ngayinye ngokuvumelana nama-akhawunti (ngaphambili) avunyelwe. Isikhwama esivamile esikhwameni senziwa ngokubambisana kwezinhlelo ezimbili ezingenhla. Umbhangqwana ngamunye ukhetha ukhetho olwamukelekayo, kodwa, nokho, kubaningi, isixazululo senkinga yezimali empilweni yomndeni, ekuqaleni, sinzima kakhulu. Kukhona umuntu okwanele ukujwayela impilo entsha, futhi umuntu udinga iseluleko esiwusizo, ngaphandle kokwazi ukuthi yikuphi, njalo ngenyanga kufanele uhlanganise imbobo ebhajethi yomndeni. Cabangela ezimbalwa zazo.
- Ukulawulwa kwezindleko eziphoqelekile kuyadingeka, umgomo omkhulu wezinyathelo ezinjalo ukuqonda ukuthi imali nemali ehambayo, yiziphi izinto zokusetshenziswa okudingekayo, futhi ngaphandle kwalokho ongakwenza ngaphandle kwakho.
- Qaphela indlela osebenzisa ngayo imali: ingabe lesi sinqumo sokuzibophezela noma umfutho wokuzivocavoca? Uma isisusa, khona-ke wazi ukuthi impilo yomndeni idinga isimo sengqondo esinezibandayo, esinomqondo onenzuzo ngemali nokuthenga okwenzayo, ungaxhomeki emqondweni - ngakho-ke akukho mali akwanele.
- Zama ukukubeka. Kungakhathaliseki ukuthi uhola kanjani, njalo kungenzeka ukuhlehlisa okungenani kancane, ngoba kulokhu uzoba "nemali engenayo" ongayithumela ekuthengeni noma ekuphumuleni okuwusizo.
- Ukugqoka amanani amakhulu esikhwameni sakho kuyinkinga, ngoba kwandisa isilingo sokuyisebenzisa, futhi izilingo empilweni yomndeni zanele ngaphandle kwethu!
- Ungesabi ukuxoxa ngombuzo wezezimali ngesigamu sakho, kulula ukwenza isinqumo esifanele ndawonye.
- Ungadluli ngemali yokonga, ngenhlanhla, lena akuyona indlela kuphela yokuthuthukisa isimo sezimali. Amakhadi ezithengiso, izaphulelo zonyaka kanye nokuthengisa, amamitha - konke lokhu kuzosiza ukuqonda lapho uthenga nokukhokha okudingekayo.
- Vumela ukuthi uhlale ubala imali - ihlela futhi ikuvumela ukuthi unqume ukuthi "bayaphika" kuphi.
- Uma usanda ukuthola imali, ungasheshi ukuyisebenzisa, ulale nalomcabango, bese ubheka, futhi ushintshe ingqondo yakho, ukuthola ukuthenga akudingekile.
Ukufingqa, sibona ukuthi umsizi obalulekile ekuphathweni kwezimali zomndeni wakho uhlela. Kungakhathaliseki ukuthi isabelomali somndeni oyithandayo (isikhwama esiphezulu, ingxenye enkulu noma ehlukile), ukuhlela kuzokusiza ukuba ubone izinhloso zakho zezimali futhi ulungise ngokuchibiyela impilo yangempela yomndeni, hhayi ukukhohlisa. Futhi ukugcinwa nokuhlaziywa kwesabelomali semindeni kuzokuvumela ukuba usebenzise kahle izindlela ozikhokhelayo futhi, ngokudala isikhwama sokugcina imali, ungawaqondisi kuphela izidingo zamanje, kodwa futhi nezinjongo zakho. Lokhu akusizi nje kuphela ukuxazulula inkinga yezimali empilweni yomndeni, kodwa futhi kuholela kule nhlalakahle oyifunayo.