Indlela yokwakha iimali ezingxamisekileyo ngengeniso encinci?

Ukuba nemali eyongezelelweyo ekhoyo yeemeko zikaxakeka kubalulekile kwintlalontle yakho yezemali. Yiba nemali eyaneleyo ukuze ukwazi ukuhlawula iindleko zeenyanga ezintathu ukuya kwezintandathu sisincomo esiqhelekileyo kuba zinokuba luncedo kakhulu kuwe ngamaxesha obunzima. Kubantu abaninzi, ezi mali zikaxakeka zinokongeza ukuya kuthi ga kwinani eloyikekayo-kwaye zinokutyhafisa kwanoyena mgcini uneenjongo ezilungileyo.

Kodwa unganikezeli ngaphambi kokuba uqale! Umdlalo wokonga ubukhulu becala ngowengqondo – kwaye ungawuphumelela. Nokuba uqala ukusuka ekuqaleni, ukubeka imali ecaleni rhoqo, nokuba ngamanani amancinci, ekugqibeleni kuya kukuvumela ukuba ufikelele usukelo lwakho. Kuthatha nje ixesha kunye noqeqesho oluncinci.

Ukuba ukulungele ukuqalisa - kwaye ngakumbi ukuba ucinga ukuba awukwazi - Nazi ezinye iingcebiso ezinokwenza ukwakha ingxowa-mali yakho kaxakeka lula.

Nangona kunjalo, ukwakha iimali ezingxamisekileyo akwanelanga ukuba nenkululeko yezemali. Ke, ndikunika uqeqesho lwethu lweprimiyamu ekwakuvumela ukuba ufunde ukucwangcisa umhlalaphantsi wakho nokuba unomvuzo omncinci. Olu qeqesho lukwakwenza ukwazi ukucwangcisa uhlahlo lwabiwo-mali losapho lwakho, ukulahla uxinzelelo lwemali kunye nokunye okuninzi. Nakweyiphi na imeko nqakraza nje kweli khonkco.

Yintoni ingxowa-mali kaxakeka?

Inyathelo lokuqala endleleni kukuqonda ukuba yintoni ingxowa-mali engxamisekileyo. Ingxowa-mali yonxunguphalo yimali oyigcinele injongo eyodwa yokukunceda ugcine ubomi bakho obuqhelekileyo ngaphandle kweemeko ezingxamisekileyo obuphoswa bubomi kuwe.

Amaxesha amaninzi, akufanelanga ukuba uchukumise ingxowa-mali kaxakeka kwaphela – ihleli nje ifumana inzala ethile kwaye ilinde de ube uyifuna ngokwenene. Xa uphelelwa ngumsebenzi. Xa isixhobo sisonakala. Xa imoto yakho ifuna ukulungiswa.

Amanqaku okufunda: Iinkonzo zebhanki ezahlukeneyo

Rhoqo, abantu abangenayo ingxowa-mali kaxakeka babona umbono wokugcina imali njengendlela yokohlwaya - emva kwayo yonke loo nto, imali efakwa kwiakhawunti yogcino kwaye ivaliwe yimali. uphila?

Akunyanzelekanga ukuba uphakuzele ngokupheleleyo ukuba imoto yakho yonakala okanye uphelelwa ngumsebenzi okanye ngequbuliso kufuneka utshintshe isifudumezi-manzi.

Endaweni yokufumana indlela yokubeka ezo ndleko kwikhadi letyala okanye ucele imali kumhlobo wakho ukuze akuncede, ungavele uhlawule ityala - akukho maxhala.

Enye ingxaki endihlala ndiyiva ngengxowa-mali yongxamiseko sisihendo sokuba abantu bachithe imali kwizinto ezingezizo ezongxamiseko.

Babona ukuba baqokelele amakhulu aliqela eedola kulondolozo kwaye baqalisa ukucinga ngokuthenga umabonakude wescreen esicaba okanye bathathe uhambo – kwaye yiloo nto kanye abayenzayo.

Ukuba ufuna ukuba ne-akhawunti yokonga ye-splurges ezinkulu, kulungile - qala i-“splurge fund” nayo, ukuba iyavakala kuwe loo nto. Kubalulekile, nangona kunjalo, ukuyishiya ngokupheleleyo ingxowa-mali yongxamiseko de uyifune.

Beka imali apho kwaye ungajongi nakwibhalansi kude kubekho unxunguphalo lokwenyani.

Amanyathelo okuqala ekwakhiweni kweemali ezingxamisekileyo

Misela injongo yakho yokuqala ephantsi

Ngoko leliphi inyathelo lokuqala? Abantu abaninzi bamisela injongo enkulu yengxowa-mali yabo yongxamiseko ngaphambili kwaye bakufumanisa kunzima kakhulu ukufika apho. Iinyanga ezisibhozo zeendleko zokuphila lusukelo olukhulu, oluya kuthatha iminyaka ukufikelela - kwaye endleleni, unokudimazeka.

Endaweni yoko, indlela entle yokuqala kukuzibekela usukelo olusengqiqweni ngakumbi. Yenza kube lusukelo lwakho lokuqala ukuba nengxowa-mali kaxakeka kuphela 250 $ ou 500 $.

Lusukelo onokuthi uluphumeze kwiinyanga nje ezimbalwa kwaye kunjalo sisixa esinokwenza umahluko omkhulu xa ukwimeko kaxakeka.

Emva koko, yahlula loo njongo ibe ngamaqhekeza amancinci. Uyakwazi ukugcina 25 $ ngeveki.

Ukuba kunjalo, unokuba nengxowa-mali yexesha likaxakeka 250 $ kwiiveki nje ezilishumi, ukuze wenze ukuba injongo yakho iyonke. Mhlawumbi ungabeka ecaleni 40 $ ngeveki, eya kukuzisa usukelo lwe 500 $ kwiinyanga ezintathu.

Inqaku eliza kufundwa: Yonke into ofuna ukuyazi malunga nesiqinisekiso sebhanki

Ingcebiso yam kukuba ungaseti isicwangciso sakho sogcino sibe phezulu kakhulu ekuqaleni. Nokuba ngokwemali onokuyigcina ngeveki okanye isixa sisonke. Oku kufuneka kucele umngeni kuwe kancinane, kodwa ingabi linani elingafikelelekiyo.

Fumana indawo yakho yokuphefumla

Kulungile, ucinga, kodwa ndiza kufumana phi 25 $ ngeveki ? Andikwazi kuphila ngoku.

Luluvo oluqhelekileyo oluvela kubantu abaqala ukuguqula imeko yabo yezemali. Zininzi iindlela zokufumana imali eyongezelelweyo inyanga yonke. Ujonga ezi zicwangciso: Uyenza njani imali kwi-intanethi.

Iindlela zokuqalisa ingxowa-mali yakho kaxakeka

Cela ukuthotywa kwexabiso kumakhadi akho okuthenga ngetyala

Ukuba unebhalansi yekhadi letyala, ukuthoba inzala yakho kuya kongela imali ngokuthe ngqo nyanga nganye. Flip nje ikhadi lakho letyala, cela ukuthetha nomphathi, kwaye ucele nje ukuba izinga lincitshiswe. Cebisa ukuba ucinge ngokudlulisela ibhalansi yakho ekhadini.

Ukuthetha ngako, unokucinga ngokudlulisela loo bhalansi kwikhadi elingenanzala ukudluliselwa, okunokukunceda ukuba uhlawule ngokukhawuleza elo tyala. Jonga eli nqaku ukuze ufumane ungazinciphisa njani iintlawulo zakho zebhanki kwihlabathi liphela.

Lungiselela ukonga kwakho

Ngaphandle Kwamehlo, Ngaphandle Kwengqondo: Eyona ndlela ilula yokugcina imali kukuba ungaze uyichukumise kwasekuqaleni. Uninzi lwabaqeshi banikezela ngediphozithi ngqo, kwaye abanye baya kuthi badiphozithe ngaphezulu kweakhawunti enye.

Vula i-akhawunti eyahlukileyo kwingxowa-mali yakho kaxakeka kwaye isixa-mali segalelo lakho lifakwe ngokuzenzekelayo, nokuba ngumqeshi wakho okanye yibhanki yakho.

Sebenzisa i-akhawunti yokonga okanye olunye uhlobo lwe-akhawunti ongenakufikelela lula, ngokungafaniyo ne i-akhawunti yangoku. Amathuba ukuba awuyi kuphoswa.

Kwaye ungaqhubeki ukubeka iliso kwibhalansi yeakhawunti, iya kwenza kuphela ukukhula kuncinci kwaye kucothise. Lilibale kwaye uvumele ixesha lenze umsebenzi walo.

Nasi isikhokelo esibanzi sokukunceda ufunde ngakumbi malunga neeakhawunti zebhanki onokuzenza.

Musa ukwandisa iindleko zakho zenyanga okanye uvule amakhadi amatsha okuthenga ngetyala

Nje ukuba ugcino luzenzekele, musa ukukhohliswa kwimvakalelo engeyiyo yokhuseleko lwezemali kwaye uvumele inkcitho inyuke kwakhona.

Umzekelo, ukuba uyeka iperi yezihlangu ezitsha nyanga zonke ukuze uzibuyisele emva kweenyanga ezimbalwa ube nomkhwa omtsha wokuthenga wenyanga, awulondolozi kwaphela!

Ukuba usenayo 50 $ ngaphezulu kwenyanga nganye, isixa sedipozithi yakho yokonga isenokuba sezantsi kakhulu. Ukuba awunayo 50 $ ukongeza, unokuba nebhalansi yekhadi letyala. Ayinamveliso.

Akufunekanga uyeke ukonwabela ubomi ngelixa usakha ingxowa-mali yakho kaxakeka, kodwa akufuneki uphulukane nokubaluleka kwayo.

Ukuba nengxowa-mali yongxamiseko eyaneleyo kubalulekile kwintlalontle yakho yezemali. Yiba nenyani, kodwa zama ukufikelela usukelo lwakho lokugcina ngokukhawuleza kangangoko. Oko kukodwa kunokwenza ubomi bube mnandi ngakumbi.

Sebenzisa uluhlu lokuthenga

Imizuzu elishumi yokucwangcisa ngaphambi kokuba uhambe iya kukugcina ubuncinci imizuzu elishumi evenkileni, kwaye kuya kukunceda uhlale ugxile kwizinto ozifuna ngokwenene, ngaloo ndlela unciphisa i-bill yakho yegrosari kuba ubeka izinto ezingeyomfuneko kwibhaskithi.

Guqula i-splurge enye ngenyanga

Endaweni yokuphuma uye kwisidlo esibiza imali eninzi kanye ngenyanga, jika eso sidlo sibe sisidlo esilungiselelwe ekhaya. Uya konga kancinci, nokuba upheka into entle kakhulu ekhitshini lakho.

Musa ukugcina kakhulu

Okanye, ngokuchanekileyo, musa ukuchitha imali eninzi yogcino lwakho kwingxowa-mali kaxakeka.

Ngokwenkcazo, ingxowa-mali engxamisekileyo yimali onokuyifumana ngokukhawuleza. Oku kuthetha ukuba kunokwenzeka ukuba uyigcine kwimoto yokusebenza ephantsi njenge i-akhawunti yokugcina ehlawula inzala ephantsi kakhulu.

Ngesi sizathu kuphela, kuya kufuneka uyeke ukufaka isandla kule akhawunti wakuba ufikelele usukelo lwakho lokugqibela.

Qala ukufaka imali kwi-akhawunti apho iya kuqalisa ukwenza imali ngokwayo - ngokufanelekileyo i-akhawunti yakho yomhlalaphantsi, apho ixesha liya kuyivumela ukuba ithwale esona siqhamo.

Ukuba unexhala lokungakwazi ukuyenza njengoko bendisandula kukuchazela, musa ukuba neentloni. Nali ikhonkco elidibeneyo elikuvumelayo ukuthenga uqeqesho kwaye ube yinkosi yezimali zakho zobuqu.

Cwangcisa i-carpool

Fumana umntu ohlala kufutshane nawe kwaye asebenze apho ukhoyo kwaye niqalise ukuhamba ngemoto kunye.

Nokuba ungayenza nje ngeentsuku ezimbalwa evekini, uya kunciphisa kakhulu iindleko zakho zokuhamba, kwaye kuya kuba nzima kakhulu ukuyeka ezo splurges ezingangxamiyo.

Sebenzisa izithuthi zikawonke-wonke

Okungcono nangakumbi, ziqhelanise nokusebenzisa izithuthi zikawonke-wonke kuhambo lwakho lwemihla ngemihla. Uninzi lwemimandla yemetro ineendlela ezilungileyo zothutho zikawonke-wonke ezilungileyo ngokumangalisayo-kwaye zinexabiso eliphantsi kunokuqhuba wena.

Hamba ngebhayisekile

Ngaba uyafuna ukuqala ukumila kakuhle? Ngaba uhlala imayile enye okanye ezimbini ukusuka emsebenzini wakho? Le yimeko efanelekileyo yokuthenga ibhayisekile kwaye uqalise ukuyisebenzisela ukuhamba endaweni yokuchitha imali yakho kwigesi kunye nokugcinwa kwemoto.

Ukunciphisa amatyala enyanga angeyomfuneko

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Iqhwa lekhephu

Ngokufuthi, xa abantu befumana imali ebebengayilindelanga, baye batyekele ekuyichitheni ngaphandle kokucinga ngayo. Bagqiba ekubeni bangayeki ikofu, kodwa bakhethe ukuyichitha kamva ekuthatheni, umzekelo.

Endaweni yokuchitha le "mali ifunyenweyo", thatha enye okanye yonke kwaye uyifake kwangoko kwingxowa-mali yakho kaxakeka. Ukuba uneenkonzo ibhanki ye-intanethi, ilula kakhulu: vele uwadlulisele kwiakhawunti yakho yangoku.

Undoqo apha kukugcina olo gcino. Endaweni yokuchitha nje imali kwenye into, yibeke ecaleni loo mali kwingxowa-mali yakho kaxakeka.

Ukuba ufumanisa ukuba wonga ngaphezu 50 $ ngeveki ngala maqhinga, faka ngaphezulu kwingxowa-mali yexesha likaxakeka okanye wandise isixa osibeke kwimali oyongele umhlalaphantsi.

Yenze izenzekele

Ngoko ke unciphise iindleko zakho 50 $ ngeveki, kodwa ngoku unayo loo mali apho kwaye iyahenda ukuyichitha kwinto enomdla ngakumbi kunengxowa-mali kaxakeka. Uyalingwa...

…kodwa akunyanzelekanga ukuba ulingwe. Endaweni yoko, unokuseta isicwangciso sokugcina esizenzekelayo sokutshayela loo mali ngqo kwi-akhawunti yakho yokutshekisha nakwi-akhawunti yakho yokonga oyisebenzisela ingxowa-mali yexesha likaxakeka.

Ukuba awukenzi njalo, ndincoma ukuseka i-akhawunti yokonga kwi-intanethi kwibhanki eyahlukileyo kuleyo uqhele ukwenza ishishini ngayo kwingxowa-mali yakho kaxakeka.

Ukwenza oku akuvumeli kuphela ukuba ukhangele ibhanki enenkonzo elungileyo kunye namaxabiso amahle i-akhawunti yokugcina , kodwa ikwakhokelela ekubeni ubeke imali kwindawo ekungelula ukufikelela kuyo.

Awungekhe ubaleke uye kwi-ATM okanye umise kwi-ATM ukhuphe imali- kufuneka uye kwikhompyuter yakho, u-odole utshintshelo kwaye ulinde usuku okanye ezimbini ukufikelela kwimali, elingaphezu kwexesha elaneleyo lokuba ucinge. Ngokucokisekileyo ngezinto ozenzayo, ungaphambukiswa kukuthabatheka.

Cwangcisa amanyathelo afanelekileyo endleleni

Kwiinyanga ezimbalwa, uya kubetha inqanaba lokuqala - kwaye uya kuziva ulungile. Le akhawunti iya kuqulatha imali eyaneleyo ukuze uqale ukufumana inzala kwaye uya kuqalisa ukuziva ulawula.

Ngoku lixesha lokuqhubeka. Zibekele olunye usukelo : ingxowa-mali kaxakeka ye $ 1. Gcina esi sicwangciso sogcino oluzenzekelayo kwindawo.

Nje ukuba le njongo ifikelelwe, jolise kwinyanga enye yeendleko zokuphila. Emva koko iinyanga ezimbini. Emva koko ezintathu. Kwaye qhubeka ujonge le ngxowa-mali kaxakeka ikhula.

Ngokucacileyo, xa usenza oko kwimeko kaxakeka, yibethe loo ngxowa-mali. Musa ukubeka ityala lakho lokulungisa imoto kwikhadi letyala.

Sukuqala ukuphila ngeplastiki ngelixa uphakathi kwemisebenzi. Endaweni yoko, qhubeka uphila ubomi obuzinzile ngokwasezimalini ngokucwangcisa kwakho kwangaphambili.

Isishwankathelo…

Ungafumanisa ukuba kuyonwabisa kakhulu – ngoko unokuqalisa ukukhangela ezinye iindlela zokugcina. Hlala nje uzibekela usukelo kwaye uqhubeke uzityhala kancinci ukuya apho.

Phambi kokuba uyazi, ubomi bakho abuyi kuphazanyiswa lolu hlobo lwemeko kaxakeka – kwaye uya kulala ngcono kakhulu ebusuku ukwazi oku. Kuzo zonke ezinye izixhobo zokukunceda ulawule ngcono iimali zakho, jonga nje ivenkile yethu.

Sishiyele uluvo