Le nkinga yahlasela abantu abaningi: othile wagwema inkokhelo yabo, kanti abanye abantu balahlekelwa imisebenzi yabo. Okubaluleke kunabo bonke kwababoleki bamabhange: ngaphezu kwezidingo ezijwayelekile, kumele bahlawule ngesikhathi esifanele kanye nentshisekelo. Uma usengakwazi ukubhekana nezikweleti zabathengi (ukubuyisela imali ezihlotsheni kanye nokukhokha ngemali mboleko), khona-ke imali yokuboleka imali inzima kakhulu: inani lemalimboleko likhulu, futhi kuthatha okungaphezu konyaka ukukhokha kuso. Indlela yokudala isabelomali semindeni esilungisiwe kanye nezikweleti ziqede njalo, ngenkathi zingaguquki ku Knight Mean?
Konke kucatshangelwe
Okokuqala, kuyadingeka ukuba uhlanganise uhlu lwazo zonke izimali zesabelomali zomndeni kanye nezikweleti, futhi ucabangele izindleko ezihleliwe zenyanga zonke - ukubuyiselwa kwemali mboleko, ukuqashwa, ukudla, ezokuthutha, njll.
Sika izindleko noma ulahle lokho okungekho ohlwini.
Akukho lutho lokukhokha?
Labo abalahlekelwa yimisebenzi yabo futhi abakwazi ukukhokha izikweletu, isibonelo, bakhokhele imali yokubolekwa kwempahla? Uma kwenzeka isimo esinjalo, ungafihli ezinkingeni zezezimali. Ngokushesha ungena ebhange, uye ekhanda lomnyango ukuze usebenze nabantu ngabanye. Sitshele ngesimo sakho futhi uvumelane ngokumiswa nokukhokhelwa kwezikweletu. Uma unomlando wesikweletu esihle, ibhange lingenza izivumelwano: isibonelo, kuzokwandisa isikhathi sokukhokha imali, ngaleyo ndlela kuncishiswe ukukhokhelwa kwenyanga; uzohlinzeka "ngamaholide esikweletu" - ukumiswa okugcwele noma okuncane kokukhokha "emzimbeni" wemali mboleko. Ngenxa yalesi sinqumo, kungenzeka ukunciphisa izinkokhelo zenyanga ngokukhokhwa kwezikweletu ngo-40-50%, okwenza isabelomali semindeni ehleliwe ejwayelekile kanye nokukhokha izikweletu. Kodwa kubalulekile ukukhumbula ukuthi noma yikuphi ukuhlehliswa kunciphisa izibopho okwamanje, kodwa ngesikhathi esifanayo kuzonyusa esikhathini esizayo. Sibonga ebhange, uzokwazi ukucabangela isabelomali esisha esilungiselelwe umndeni kanye nezikweleti zemalimboleko.
Uma ibhange lingasizwa , futhi izindleko zemalimboleko yakho zilahlekelwe ukubaluleka kwazo (kunezinhlinzeko ezithandekayo ekubolekeni), ngakho-ke kunengqondo ukucabanga ngokulungisa kabusha, okungukuthi, mayelana nokushintsha uhlelo lwakho lwezikweletu kumuntu owodwa. Noma kunjalo, udinga ukucabangela zonke izinhlobo ze-nuances.
Othandekayo othandekayo
Wake wake wezwa inkulumo ethi "izikweletu eziyimpumputhe"? Izimali ezibizwa ngokuthi izikweletu zabathengi, ezithathwe, isibonelo, ukuthengwa kwemishini yasendlini, izindwangu zokuboya ezibizayo noma imoto yemidlalo.
Ngokusho kochwepheshe, ngokuvamile abantu bathambekele ekuthengeni okungazenzisi, nalabo abangazi ukuthi bahlolisise kanjani amandla abo ezimali.
Ukuze sigweme izinkinga ebhange esikhathini esizayo, sincoma ukuthi ulalele amathiphu alandelayo.
Ngaphambi kokuba uthathe isikweletu, hlola ukuthi udinga kangakanani. Cabanga ukuthi ungayikhokha yini imali mboleko ngesikhathi esifanele. Kulesi simo, kuyadingeka ukubala inani elizolikhokhela ebhange ngaphandle kokucwasa isabelomali somndeni.
Cwaninga ngokucophelela lonke ulwazi oluhlelwe kwisabelomali lomndeni kanye namacala esikweletu, isikweletu kanye nemibandela yokusebenza kwayo.
Ungalandeli ngokuyimfihlo isikhangiso, esigcizelela ngaso sonke isikhathi ukuthi ukukhipha imali mboleko ngokusheshisa futhi ngokushesha. Ungalokothi ugijime ukusayina inkontileka.
Ukulinganisa izikhathi eziyisikhombisa
Yini okufanele ungayenzi uma ungenzi "ngengozi" ufike ebhange ebhokisini lesikweletu? Ungathathi isikweletu ngaphandle kwesidingo esiphuthumayo. Uma izindleko zanyangazonke zokukhokha imali mboleko zibonakala zikhulu kakhulu, kungcono ukungayithathi nhlobo. Isibonelo, uma izinkokhelo zenyanga zonke zemali mboleko zidlula u-30-40% wemali engenayo; uma ngemuva kokubolekwa kwemali mboleko akukho imali eyanele yokuhlangabezana nezidingo eziyisisekelo (ukuqasha, ukudla).
Ungathathi imali ebolekiwe. Uma kuziwa ezintweni ezibizayo, yenza isikweletu singekho esitolo, kodwa ebhange.
Thatha isikweletu ngesikhatsi esincane kunokwenzeka kuwe, khona-ke kuyoba eshibhile. Ukuze ukhokhele esikweletini njengento encane ngangokunokwenzeka, ukhokhela kakhulu ngangokunokwenzeka ukukhokha okuphansi. Buyisela isikweletu ebhange ngesikhathi esifanele. Uma kungenjalo, uzokwehliswa inhlawulo yokulibaziseka ngenani lentengo yesithakazelo kabili emalimboleko.