10 imithetho ekufuneka zilandelwe ukwenza intywenka

Siphila kwihlabathi apho rhoqo singqongwe ulwazi olutsha. Malunga data kwi izimali zobuqu, kuhle ukuba asebenzise imithetho kakhulu elula. Zama ukuqonda i Zen zemali. Phulaphula inyaniso elula eziya kukunceda ukuba ugcine imali. Uya impumelelo yaye bakhonze umzekelo kwabanye. Ukuba imali - usukelo lwakho, kufuneka ukwazi le mithetho ezilishumi!

Zibekele usukelo

Ngaphandle imigaqo ecacileyo kunzima ukuvavanya, kubonakala ngathi impumelelo mali zobuqu bakho. Zibekele usukelo ethile, uze ukuphuhlisa isicwangciso, apho inyathelo ngenyathelo kuya kukunceda ukuba nokufikelela izicwangciso.

Ukwahlula phakathi nezifunekayo kunye neemfuno

Ukuba babhidanisa iminqweno kunye neemfuno nzima kuwe ukuphumeza uzinzo kwezemali. iintswelo zabantu ngendlela elula: impahla, ukutya, indawo yokuhlala, ukhathalelo lwempilo kunye nokuthuthwa oluthembekileyo. Yonke enye - loo mnqweno. Konke oku akuthethi ukuba kufuneka ukubonis yonke ngokupheleleyo, kwaye ngamanye amaxesha uyakwazi ngokubafekethisa ngokwakho, kungenjalo ubomi kungaba isicefe. kufuneka nje ukuba babe nako ukwenza ukhetho ngabom hayi ukuvumela isilingo rhoqo ukuba buthathaka ubume bezemali zawo.

Live ngaphakathi yakho esebenzisa

Ukuba unokuba yokonga imali kwaye baphila ngemali zethu, oko kukuthi, musa ukuchitha ngaphezulu kunaleyo uyamkelayo, uya kukhululeka kwisangqa zikhohlakeleyo umsebenzi, imali ngokugqithiseleyo, amatyala kwakhona ukusebenza. Ukufunda ukuphila ngemali zethu - kukodwa an impumelelo, kodwa ukuba asakwazi ukubekela bucala, oko impumelelo ngokwenene! Lokonga bakha isiseko ikamva lakho.

Qala ukubeka ekuqaleni

Ngokumalunga imali, ixesha - umhlobo wakho osenyongweni. Qala ukonga imali esele ebutsheni bakhe, yaye uya kuba lula lokuqokelela imali eninzi, nokuba ingeniso okulula. Ukongeza, inzala baziqwebele ochukumisa ngakumbi.

Ukuhlawulela wena kuqala

Kukho izizathu ezininzi kokukhetha kuqala ukuchitha imali imali yabo. Kuqala kwinto zonke, wena akukho ukuzikhethela, nokuba wena uzibeke kwimeko enjalo. Ukuba ngoko nangoko udlulisela le mali kwi-akhawunti yokonga, isilingo tirhisa ngokungakhathali kuba ezincinane. Yiyo loo nto iingcali kukucebisa ukonga imali qho ngenyanga kwindawo yokuqala. Unga cwangcisa ukudluliselwa oluzenzekelayo le akhawunti.

Funda ukwahlula phakathi asethi namatyala

asethi zakho - yonke impahla yakho, ethe ixabiso. Yinto imoto yakho, indlu yakho akhawunti yakho. Debt - ulungelelwano kwi credit cards, adunyiswe isifundo, kunye nemoto, bathenga ngezavenge. Zama ukuba nomzi ongowakho, yaye ngokuthe ngcembe balahle amatyala.

Kuphephe mboleko yabathengi

Vumela iintengiso zebhanki Musa ukuqhathwa: izinga eliphezulu kwikhadi lakho lokuthenga ngetyala - oku amandla akho yabathengi. Zama ukuba bangene mboleko, ngenye indlela nilindele namazinga enzala nangonya. Konke oku kujongela phantsi ibhajethi yakho aze akunike ukufezekisa uzinzo kwezemali, ekubeni loo mboleko azinabungozi kuphela xa efika kuqala.

Hlawula ityala kunye elinemalinzalo ephezulu kuqala

Ukuba awukwazi ukuphepha mboleko yabathengi, cinga qhinga intlawulo. Okokuqala ukuba ahlawule elo abatyalwayo, banayo elinemalinzalo ephezulu, oku kuya kongela imali. Kwixesha elizayo, zama ukuhlala kude mboleko ukuya phezulu kakhulu njengepesenti.

Musa imali ukuba anithanga ukuqonda kakuhle

Ukuze baphumelele izimali, kufuneka ukucinga kakuhle, abe ngumntu enocwangco enze njalo. Akuyomfuneko imali, ukuba akuyazi uya kuba yintoni na ithemba ixesha elide nokuba uya kuba nako ukuphuma oku. Ngaba kuphela oko ukuqonda, ukufunda yaye bathungelane yonke imihla, musa ukuvumela nokunyuka kwimarike ukunoyikisa kuwe.

Lungiselela ukuba engalindelekanga

Beka imali-anesibhozo ezintandathu okanye kwenzeka nje. Le yindlela elula nesebenzayo ukuze uzikhusele xa ukuphelelwa ngumsebenzi, iingxaki zempilo engalindelekanga, ukulungiswa kunye nezinye iingxaki zobomi ukuba ezisongela impilo-ntle yakho. Musa ukoyika ukwenza izicwangciso, cinga ubathandayo kwaye wenze umyolelo. Asiyiyo emnyameni, yinto nje onengqondo. Ngoko ke, qiniseka ukuba kwi kuluhlu lwakho, wenze kungekudala.