Indlela yokwakha izimali eziphuthumayo ngemali encane?

Ukuba nemali eyengeziwe etholakalayo yezimo eziphuthumayo kubalulekile enhlalakahleni yakho yezezimali. Yiba nemali eyanele ukuze ukwazi ukumboza izindleko zezinyanga ezintathu kuya kweziyisithupha kuyisiphakamiso esivamile ngoba zingaba usizo kakhulu kuwe ngezikhathi zobunzima. Kubantu abaningi, lezi zimali eziphuthumayo zingangeza inombolo esabekayo - futhi zingadumaza ngisho nesilondolozi esinenhloso enhle kakhulu.

Kodwa ungayeki ngaphambi kokuba uqale! Umdlalo wokonga ugxile kakhulu ngokwengqondo - futhi ungawunqoba. Ngisho noma uqala phansi, ukubeka imali eceleni njalo, ngisho namanani amancane, ekugcineni kuzokuvumela ukuthi ufinyelele umgomo wakho. Kuthatha isikhathi kanye nesiyalo esincane.

Uma usukulungele ukuqalisa - futhi ikakhulukazi uma ucabanga ukuthi awukwazi - nazi ezinye iziphakamiso ezingenza ukwakha isikhwama sakho sezimo eziphuthumayo kube lula.

Nokho, ukwakha izimali eziphuthumayo akwanele ukuze ube nenkululeko yezezimali. Ngakho-ke, ngikunikeza ukuqeqeshwa kwethu kwe-premium okukuvumela ukuthi ufunde ukuhlela umhlalaphansi wakho noma uneholo elincane. Lokhu kuqeqeshwa kukwazisa nokuthi ungahlela kanjani isabelomali somndeni wakho, ukuqeda ukucindezeleka ngokwezimali nokunye okuningi. Kunoma ikuphi vele uchofoze lesi sixhumanisi.

Siyini isikhwama sezimo eziphuthumayo?

Isinyathelo sokuqala endleleni ukuqonda ukuthi siyini isikhwama sezimo eziphuthumayo. Isikhwama sezimo eziphuthumayo yimali oyilondoloze ngenjongo eyodwa nje yokukusiza ulondoloze impilo yakho evamile naphezu kwezimo eziphuthumayo impilo eziphonsa kuwe.

Isikhathi esiningi, akufanele uthinte isikhwama sezimo eziphuthumayo nakancane - sihlezi nje sihola inzalo ethile bese silinda kuze kube yilapho ususidinga ngempela. Lapho uphelelwa umsebenzi. Uma idivayisi iphuka. Lapho imoto yakho idinga ukulungiswa.

Izindatshana ezingafundwa: Izinsiza ezahlukene zasebhange

Imvamisa, abantu abangenaso isikhwama sezimo eziphuthumayo babona umqondo wokonga imali njengendlela yesijeziso - phela imali efakwa ku-akhawunti yokulondoloza bese ivinjwa iyimali. imali engeke isetshenziselwe ophilayo?

Akudingekile ukuba wethuke ngokuphelele uma imoto yakho iphuka noma ulahlekelwa umsebenzi noma ngokuzumayo udinga ukushintsha isifudumezi samanzi.

Esikhundleni sokuthi uthole indlela yokubeka lezo zindleko ekhadini lesikweletu noma ucele umngane wakho imali ukuze akusize, ungavele ukhokhe isikweletu - ungakhathazeki.

Olunye udaba engihlale ngiluzwa ngezimali eziphuthumayo yisilingo sokuthi abantu basebenzise imali ezintweni ezingezona ezezimo eziphuthumayo.

Babona ukuthi baqongelele amakhulu ambalwa amadola ekongeni futhi baqala ukucabanga ngokuthenga i-TV yesikrini esiyisicaba noma ukuthatha uhambo - futhi yilokho kanye abakwenzayo.

Uma ufuna ukuba ne-akhawunti yokonga yama-splurges amakhulu, kuhle lokho - qala “isikhwama se-splurge” futhi, uma lokho kunengqondo kuwe. Kubalulekile, nokho, ukushiya isikhwama sezimo eziphuthumayo sodwa kuze kube usidinga.

Faka imali lapho futhi ungabheki ngisho nebhalansi kuze kufike isimo esiphuthumayo sangempela.

Izinyathelo zokuqala zokwakha izimali eziphuthumayo

Setha umgomo wakho wokuqala uphansi

Ngakho yisiphi isinyathelo sokuqala? Abantu abaningi bazibekela umgomo omkhulu wesikhwama sabo sezimo eziphuthumayo ngaphambili bese bekuthola kunzima kakhulu ukufika lapho. Izinyanga eziyisishiyagalombili zezindleko zokuphila ziwumgomo omkhulu, ozothatha iminyaka ukuwufinyelela - futhi endleleni, ungase udikibale.

Kunalokho, indlela enhle yokuqala ukuzibekela umgomo onengqondo. Kwenze umgomo wakho wokuqala ukuba nesikhwama sezimo eziphuthumayo kuphela 250 $ ou I-500 $.

Umgomo ongawufinyelela ezinyangeni ezimbalwa nje kodwa inani elingenza umehluko omkhulu uma unesimo esiphuthumayo.

Bese, uhlukanise lelo goli libe izingcezu ezincane. Ungase ukwazi ukulondoloza 25 $ ngesonto.

Uma kunjalo, ungase ube nesikhwama sezimo eziphuthumayo 250 $ emavikini ayishumi nje, ukuze wenze lokho kube umgomo wakho wonke. Mhlawumbe ungabeka eceleni 40 $ ngesonto, okungakulethela umgomo we 500 $ ezinyangeni ezintathu.

I-athikili okufanele ifundwe: Konke odinga ukukwazi mayelana nesiqinisekiso sasebhange

Iseluleko sami ukuthi ungabeki uhlelo lwakho lokonga lube phezulu kakhulu ekuqaleni. Ukuthi ngokwemali ongayonga isonto ngalinye noma inani lilonke. Lokhu kufanele kukuphonsele inselelo kancane, kodwa kungabi inombolo nje engafinyeleleki.

Thola indawo yakho yokuphefumula

Kuhle, ucabanga, kodwa ngizokutholaphi 25 $ ngeviki ? Angisakwazi nokuthola imali manje.

Kuwumuzwa ojwayelekile ovela kubantu abasanda kuqala ukuguqula isimo sabo sezezimali. Ziningi izindlela zokuthola imali eyengeziwe inyanga yonke. Ubheka lawa maqhinga: Uyenza kanjani imali online.

Izindlela zokuqala isikhwama sakho sezimo eziphuthumayo

Cela ukwehliswa kwezinga kumakhadi akho esikweletu

Uma unebhalansi yekhadi lesikweletu, ukwehlisa izinga lakho lenzalo kuzokongela imali ngokuqondile nyanga zonke. Vele uphenye ikhadi lakho lesikweletu, ucele ukukhuluma nomphathi, bese ucela nje ukuthi izinga lehliswe. Phakamisa ukuthi ucabange ukudlulisa ibhalansi yakho ekhadini.

Ukukhuluma ngakho, ungase ucabange ukudlulisa leyo bhalansi ekhadini elingenayo inzalo ngokudluliswa kwemali, okungakusiza ukuthi ukhokhe leso sikweletu ngokushesha. Bheka lesi sihloko ukuze uthole unganciphisa kanjani izindleko zakho zasebhange emhlabeni jikelele.

Hlela ukonga kwakho ngokuzenzakalelayo

Ngaphandle Kokubona, Ukuphuma Engqondweni: Indlela elula yokonga imali ukuthi ungalokothi uyithinte kwasekuqaleni. Abaqashi abaningi banikela ngediphozithi eqondile, futhi abanye bazofaka imali kuma-akhawunti angaphezu kweyodwa.

Vula i-akhawunti ehlukile yesikhwama sakho sezimo eziphuthumayo futhi inani lomnikelo wakho lifakwe ngokuzenzakalelayo, kungaba ngumqashi wakho noma ibhange lakho.

Sebenzisa i-akhawunti yokonga noma olunye uhlobo lwe-akhawunti ongeke ukwazi ukulufinyelela kalula, ngokungafani ne-a i-Current Account. Amathuba ukuthi ngeke uphuthelwe.

Futhi ungaqapheli ngokuqhubekayo ibhalansi ye-akhawunti, kuzokwenza kuphela ukukhula kube kuncane futhi kuhambe kancane. Khohlwa futhi uvumele isikhathi senze umsebenzi wakho.

Nawu umhlahlandlela ophelele wokukusiza ufunde kabanzi mayelana nama-akhawunti asebhange ongawakha.

Ungazikhulisi izindleko zakho zanyanga zonke noma uvule amakhadi amasha esikweletu

Uma ukulondoloza sekuzenzakalela, ungakhohliswa emuzweni oyiphutha wokuphepha kwezimali futhi uvumele ukusebenzisa imali kukhuphuke futhi.

Isibonelo, uma uyeka izicathulo ezintsha nyanga zonke ukuze uzishintshe ezinyangeni ezimbalwa kamuva ube nomkhuba omusha wokuthenga wanyanga zonke, awuwongi nhlobo!

Uma usenayo 50 $ ngaphezu kwalokho inyanga ngayinye, inani lediphozithi yakho yokulondoloza lingase libe lincane kakhulu. Uma ungenayo 50 $ ngaphezu kwalokho, ungase ube nebhalansi yekhadi lesikweletu. Futhi ayikhiqizi.

Akufanele uyeke ukujabulela impilo ngenkathi usakha isikhwama sakho sezimo eziphuthumayo, kodwa akufanele futhi ukhohlwe ukubaluleka kwaso.

Ukuba nesikhwama esanele sezimo eziphuthumayo kubalulekile enhlalakahleni yakho yezezimali. Yiba neqiniso, kodwa zama ukufinyelela umgomo wakho wokugcina wokulondoloza ngokushesha ngangokunokwenzeka. Lokho kukodwa kungenza ukuphila kujabulise kakhudlwana.

Sebenzisa uhlu lokuthenga

Imizuzu eyishumi yokuhlela ngaphambi kokuthi uhambe izokusindisa okungenani imizuzu eyishumi esitolo, futhi izokusiza ukuthi uhlale ugxile ezintweni ozidinga ngempela, ngaleyo ndlela unciphise isikweletu sakho segrosa ngoba ufaka izinto ezingadingekile ezincane kubhasikidi.

Vula i-splurge eyodwa ngenyanga

Esikhundleni sokuyodla isidlo sakusihlwa esibizayo kanye ngenyanga, guqula leso sidlo sibe ukudla okulungiselelwe ekhaya. Uzokonga kancane, noma ngabe upheka okuthile okuphambili ekhishini lakho.

Ungalondolozi kakhulu

Noma, ngokunembe kakhudlwana, ungachithi imali yakho eningi oyilondolozile esikhwameni sakho sezimo eziphuthumayo.

Ngokwencazelo, isikhwama sezimo eziphuthumayo yimali ongakwazi ukuyifinyelela ngokushesha. Lokhu kusho ukuthi kungenzeka uyigcine emotweni esebenza kancane njenge- i-akhawunti yokonga ekhokha inzalo ephansi kakhulu.

Ngalesi sizathu kuphela, kufanele uyeke ukufaka isandla kule akhawunti uma usufinyelele umgomo wakho omkhulu.

Qala ukufaka ku-akhawunti lapho izoqala khona ukuzenzela imali ngokwayo - kuhle kakhulu ama-akhawunti akho omhlalaphansi, lapho isikhathi sizoyivumela ukuthi ithele izithelo eziningi.

Uma ukhathazekile ngokungakwazi ukukwenza njengoba ngisanda kukuchazela, ungabe usaba namahloni. Nasi isixhumanisi sobulungu esikuvumela ukuthenga ukuqeqeshwa futhi ube inkosi yezimali zakho siqu.

Setha i-carpool

Thola umuntu ohlala eduze nawe futhi osebenza lapho ukhona bese niqala ukuqoqa izimoto ndawonye.

Ngisho noma ungakwenza kuphela izinsuku ezimbalwa ngeviki, uzonciphisa kakhulu izindleko zakho zokuhamba, futhi kuzoba nzima kakhulu ukuyeka lawo ma-splurges angenangqondo.

Sebenzisa ezokuthutha zomphakathi

Okungcono nakakhulu, jwayela ukusebenzisa izithuthi zomphakathi ohambweni lwakho lwansuku zonke. Izindawo eziningi ze-metro zinezinketho zokuhamba zomphakathi ezinhle ngokumangazayo - futhi zibiza kakhulu kunokuzishayela wena.

Hamba ngebhayisikili

Ingabe ufuna ukuqala ukuba sesimweni esingcono? Ingabe uhlala imayela elilodwa noma amabili ukusuka emsebenzini wakho? Lesi yisimo esihle kakhulu sokuthenga ibhayisikili bese uqala ukulisebenzisa uma usendleleni esikhundleni sokumosha imali yakho ngokulungisa uphethiloli nemoto.

Yehlisa izikweletu zanyanga zonke ezingadingekile

Ingabe ubhalisela i-Netflix kodwa awuvamile ukuyisebenzisa? Sika! Ingabe uyazikhokhela iziteshi zekhebula le-premium ongakaze uzibuke? Zisike!

Ikhekheba leqhwa

Kaningi, lapho abantu bethola imali abangayilindele, bavame ukuyisebenzisa ngaphandle kokucabanga ngayo. Banquma ukungalitholi ikhofi, kodwa bese bekhetha ukulisebenzisa kamuva ekukhipheni, isibonelo.

Esikhundleni sokusebenzisa le "mali etholiwe", thatha enye noma yonke bese uyifaka ngokushesha esikhwameni sakho sezimo eziphuthumayo. Uma unamasevisi ukubhanga ku-inthanethi, kulula kakhulu: vele uwadlulise kusuka ku-akhawunti yakho yamanje.

Ukhiye lapha uwukugcina lokho kulondoloza. Esikhundleni sokuvele uchithe imali kokunye, beka leyo mali eceleni esikhwameni sakho sezimo eziphuthumayo.

Uma uthola ukuthi wonga ngaphezu 50 $ ngesonto ngalawa maqhinga, faka okwengeziwe esikhwameni sezimo eziphuthumayo noma ukhuphule inani olifakile emalini oyongele umhlalaphansi.

Kwenze kube okuzenzakalelayo

Ngakho unciphise izindleko zakho 50 $ ngesonto, kodwa manje unayo leyo mali lapho futhi kuyalinga ukuyisebenzisa kokuthile okujabulisayo kunesikhwama sezimo eziphuthumayo. Uyalingwa...

…kodwa akudingekile ukuba ulingwe. Esikhundleni salokho, ungasetha uhlelo lokulondoloza oluzenzakalelayo lokushanela leyo mali iqonde ku-akhawunti yakho yokuhlola futhi uyifake ku-akhawunti yakho yokulondoloza oyisebenzisela isikhwama sezimo eziphuthumayo.

Uma ungakenzi kanjalo, ngincoma ukuthi umise i-akhawunti yokonga eku-inthanethi ebhange elihlukile kunalelo ojwayele ukwenza nalo ibhizinisi lesikhwama sakho sezimo eziphuthumayo.

Ukwenza lokhu akukuvumeli nje kuphela ukuthi useshe ibhange elinesevisi enhle namanani amahle we i-akhawunti yokonga , kodwa futhi kuholela ekutheni ubeke imali endaweni okungelula ukuyifinyelela.

Awukwazi ukuvele ugijimele ku-ATM noma ume ku-ATM ukhiphe imali - kufanele uye kukhompyutha yakho, u-oda i-transfer bese ulinda usuku noma ezimbili ukuze uthole imali, okungaphezu kwesikhathi esanele sokuthi ucabange. ngokucophelela ngalokho okwenzayo futhi hhayi ukuthatheka.

Misa izinyathelo ezibalulekile endleleni

Ezinyangeni ezimbalwa, uzofinyelela leyo ngqopha-mlando - futhi uzozizwa umuhle. Le akhawunti izoqukatha imali eyanele ukuze uqale ukuzuza inzalo ethile futhi uzoqala ukuzizwa ulawula.

Manje yisikhathi sokuqhubeka. Zibekele omunye umgomo : isikhwama sezimo eziphuthumayo se $ 1. Gcina lolu hlelo lokulondoloza oluzenzakalelayo lusendaweni.

Uma lo mgomo usufinyelelwe, hlomela inyanga eyodwa yezindleko zokuphila. Bese izinyanga ezimbili. Bese kuba bathathu. Futhi qhubeka ubuka lesi sikhwama sezimo eziphuthumayo sikhula.

Ngokusobala, uma wenza lokho esimweni esiphuthumayo, shaya leso sikhwama. Ungabeki isikweletu sakho sokukhanda imoto ekhadini lesikweletu.

Ungaqali ukuphila ngopulasitiki ngenkathi uphakathi kwemisebenzi. Kunalokho, qhubeka uphila impilo ezinzile ngokwezimali ngokuhlela kwakho kusengaphambili.

Faka kabusha…

Ungase uthole ukuthi kumnandi kakhulu - ngakho-ke ungase uqale ukufuna ezinye izindlela zokulondoloza. Vele uzibekele imigomo futhi uqhubeke nokuziphusha kancane ukuze ufike lapho.

Ngaphambi kokuthi wazi, impilo yakho ngeke iphazanyiswe yilolu hlobo lwesimo esiphuthumayo - futhi uzolala kangcono kakhulu ebusuku ukwazi lokhu. Kuzo zonke ezinye izinsiza zokukusiza ukuthi uphathe kangcono izimali zakho, vele uhlole isitolo sethu.

Sishiyele amazwana