Ukuhlela kanye nokubalwa kwezimali kwisabelomali somndeni kuyisiyalo esidinga ukutadisha, kanti ngolunye usuku ekuqeqeshweni akwanele. Ulwazi, umkhuba nolwazi, kanye nekhono lokuziphika okuthile ngenxa yezindleko ezihleliwe noma ukugcinwa - yizingxenye eziyinhloko zokuhlelwa okuphumelelayo nomphumela omuhle.
Ukugcina ukubalwa kwekhaya
Ukugcina ukubalwa kwekhaya kuyinto ebalulekile yansuku zonke. Ukukhokha kuphela imizuzu emi-5-10 ngosuku "lokubika kwezezimali", ngaleyo ndlela uzokwenza umthwalo wemali emndenini futhi, ngaphezu kwalokho, ngezibonelo zakho kanye nolwazi, siza izingane zakho zigweme izinkinga eziningi ngemali yomndeni esikhathini esizayo.
Ukuhlela kanye nokubalwa kwemali yesibambiso somndeni kuqukethe ukuqapha izindleko zansuku zonke kanye nezindleko, ukuhlaziya ukuthenga okuwusizo nokungenamsebenzi, ukuhlela isabelomali ukuze kufinyelele imigomo yesikhathi eside, ukwakheka njalo ukugcinwa kwemali ukuze kuqinisekiswe ukuphepha kwezimali ezimweni ezingalindelekile amandla amakhulu (ukugula, ukulahlekelwa umsebenzi, njll).
Ukuhlaziywa "kwesikhwama somndeni"
Ukuqala kokuhlelwa kwesabelomali somndeni kuqukethe ukuhlaziywa kwemali yomndeni kanye nezindleko. Ukuze wenze lokhu, udinga ukubhala yonke imali engenayo kanye nezindleko nsuku zonke ngenyanga. Ngokwemvelo, kuzoba nezinto ezimbalwa kuphela zokuthola imali, konke okunye kuzoba izindleko zakho. Ekupheleni kwenyanga, udinga ukuhlaziya ngokugcwele konke ukuthenga okwenziwe. Uyomangala kakhulu uma ubala inani elisetshenzisiwe, ngokusho, "izinto ezincane zokuphila." Njengoba uthole isithombe sangempela sezindleko zomndeni, ungaqala ukuhlela isabelomali somndeni wakho. Yilokho, isikhathi esizayo sizobe sihlela futhi sihlaziywe.
Ngakho-ke, uma ufunde ukuhlaziya nokuhlela, ungaqala ukwakha isabelomali somndeni. Isabelomali semindeni, njengomthetho, senziwa evamile konyaka, futhi sinezincomo, ngezinyanga. Ukwakha isabelomali somndeni, udinga, okokuqala, ukukhomba izinto eziyinhloko zemali engenayo kanye nezindleko. Ngenxa yokudala isakhiwo esinjalo, umuntu angahlaziya ukuthi imali isetshenziswa ngani, futhi izindleko zezinto ezinganciphisa. Into eyinhloko ukuthi izinto ezithintekayo akufanele zidlule, kodwa, ngokuphambene nalokho, zibe izinto ezincane, ezingenayo imali noma ezilingana nazo. "Ukuntuleka kwesabelomali somndeni" akumukeleki!
Imithetho yokuhlela ephumelelayo
Ukuze umndeni uhlele ukuba usebenziseke futhi usebenze, umuntu kufanele abambelele emigomeni nemigomo eminingana eyinhloko yokuhlela okuphumelelayo:
- Ukuze ugweme "izinkinga" kumali yomndeni, umuntu kufanele azi ukuthi angasho kanjani "cha" ngesikhathi. Lokhu kusebenza ekuthengeni okuningi okungahlelelwe okwenzayo. Ukuphila ngesimiso esithi: "Ngifuna ukuthenga konke engikufunayo futhi uma ngifuna," - lokhu kubhubhisa ukuzinza kwemali yomndeni wakho.
- Ukujwayele ukuqhuba "isikhwama somndeni" yisiqinisekiso sokuhleleka kwesikhwama ngokwayo.
- Khokha ngokukhethekile inkinga yokonga, ngaphandle kwabo awukwazi. Okuncane, kodwa kufanele kube.
- Ukuxoxisana njalo ngezindaba zemali zomndeni nomyeni wakho noma umlingani wakho.
- Umthetho oyinhloko wokuphatha izimali zomndeni udala imodeli yakho yokuphatha ibhajethi yomndeni. Lokhu kuyiqiniso ikakhulu emindenini emisha. Iphutha elikhulu kakhulu lizama ukwethula imithetho nemigomo emndenini, eyagonywa emindenini yabazali. Ingxoxo yokuqala yalolu daba kuyisibopho sobudlelwane obungenabambiswano esikhathini esizayo.
- Funda ukuqhuba ukuhlaziywa kwentengo ejwayelekile futhi ubheke imithombo yokuthengwa okungabizi.
Umthetho oyinhloko womnotho womndeni
Ukuphathwa kwemali yomndeni kuyindaba yomndeni futhi kuhlanganiswe, okungukuthi, zonke izinto zokusebenzisa izindleko zidinga ukuxoxwa kanye nengxenye yabo yesibili. Futhi kukho konke kufanele kube ukwethembeka ! Ukufihla ukubaluleka kwangempela kokuthenga kwakho, imali engenayo yangempela noma izikweletu zingenza ngokulimaza hhayi kuphela ngokwemali yokuthembela kwezezimali, kodwa futhi nasemshadweni uqobo.
Kungani udinga ukugcinwa
"Iholo lethu elihlangene lanele ngokwanele kuphela ekusizeni nokukhokhela izinsiza. Luhlobo luni lokulondolozwa ngaphansi kwezimo ezinjalo esingalisho ngazo? ", Uyanxusa uVictoria. Yebo, eqinisweni, umholo wemindeni eminingi kaningi akwanele ukusindisa okuthile nokuyeka. Noma kunjalo, njengoba ngishilo ngenhla, uma uhlaziya zonke izinto zokusebenzisa imali, ungathola ingxenye enkulu yezindleko zomndeni ezingadingekile.
Emali engenayo ephansi kubalulekile ukuthola imithombo eyengeziwe yemali engenayo. Hlaziya konke owaziyo ukukwenza. Mhlawumbe, ukuthunga, ukubopha, ukulawula noma ukuqhuba izifundo, sebenzisa njengomfundisi we-English, - kuningi ongakhetha kukho ukuthola imali eyengeziwe. Into esemqoka nje ukufuna! Kunoma yikuphi, i-1% yemali engenayo yomndeni ingaphelelwa isikhathi "ngosuku oluzayo."
Enye iphuzu eyengeziwe yenkinga yokonga nokuqoqa izimali zomndeni kungukulawula kokulondoloza imali into ethile. Ufuna ukuthenga i-TV noma imoto - yibeke eceleni imali. Ukonga imali yomndeni kuzokulondoloza njalo uma kunoma yikuphi ukuhlupheka noma izimo ezingalindelekile.
Yini ongayilondoloza?
Umthombo owengeziwe wemali engenayo futhi, ngenxa yalokho, umthombo wokulondoloza kungaba umnotho osebenzayo wezimali zomndeni. Hlaziya zonke izinto zenkcitho bese ucabanga ngalokho ongasindisa. Isibonelo, uma udla egumbini lokudlela noma i-cafe, kuyabiza kakhulu ukuba uthole ukudla okuvela nawe ekhaya. Uma ushayela imoto yakho noma itekisi, izithuthi zomphakathi zizobiza kakhulu. Hlola izindleko zamanzi nogesi, izindleko zezimonyo ezithengiwe noma amakhemikhali omkhaya. Ngokuqinisekile, uzothola imithombo yezinsiza ezengeziwe zezezimali kwisabelomali somndeni.
Izinhlobo zesabelomali somndeni
Izimali zomndeni ezihlangene ziyisiko lomkhwama womndeni. Kodwa, kwenzeka ukuthi le nhle ayihambisani nezisekelo nemithetho yomndeni othize. Cabangela izinhlobo eziyinhloko zesabelomali somndeni.
Isabelomali esihlangene
Isabelomali esinjalo sinikeza ukuthi imali engenayo yelungu ngalinye lomndeni liya "kubhalisa jikelele lwemali" futhi yabelwe ndawonye. Lolu hlobo lwesabelomali lomndeni lubonakala njengabaphathi abaningi "ababala" bezimali zemindeni, njengoba abashadile bengenazo izimfihlakalo ezivela komunye nomunye ngobukhulu bomholo wabo.
Yabelana ngesabelomali
Ngalolu hlobo lwesabelomali lomndeni, zonke izindleko zomndeni zibalwa futhi zihlukaniswe ngokulinganayo. Lokhu kusatshalaliswa kwemali yomndeni kungabangela ukuphikisana okuningi nokufutheka. Okokuqala, akulula ngaso sonke isikhathi ukusabalalisa odlayo. Isibonelo, oshade naye odla kabi uma ekhokhela imali elinganayo ekudleni. Ngaphezu kwalokho, oshade naye othola imali encane uyozizwa ephazamiseke, ngoba izindleko zakhe ziyoba nemali encane.
Isabelomali esahlukanisiwe
Lena imodeli evame kakhulu yokuphatha imali yomndeni eNtshonalanga Yurophu. Abashadile bazizwa bezimele ngokwezimali, baphathe imali yabo futhi bakhokhele izikweletu zabo. Ukusetshenziswa komndeni jikelele, njengokufundisa izingane, ukukhokhisa izikweletu zomsebenzi, ukubolekwa okubambisana, kukhokhelwe abashade emkhayeni.
Isikhathi yimali
Ungalahli isikhathi, qala ngokuhlela namhlanje. Ngakho-ke, kusasa ungagwema izindleko ezingathandeki futhi ngaleyo ndlela ugcine imali encane yomndeni. Khumbula ukuthi isiyalo kuphela kanye nerekhodi yezimali yansuku zonke kuzokuletha umphumela omuhle ngempela.
Izinzuzo zokuhlela kanye nokubhekela isabelomali somndeni
Ngenxa yokuhlelwa kwezimali kwesabelomali somndeni, ungakwazi ukufeza imigomo yakho ngokusheshisa nangempumelelo. Ngenxa yebhajethi yomndeni ehlelekile kahle, ulondoloza imali yakho. Ngaphezu kwalokho, ngenxa yesabelomali somndeni, uzohlale ulungele izimo ezingalindelekile. Futhi khumbula ukuthi isabelomali semindeni esalayele futhi siqondane phakathi kwabashadile yisici esibalulekile esinomthelela omuhle ebuhlotsheni bomndeni. Ukuhlelwa kwezimali nokuphumelela kwezimali kuwe!