Ingeniso Personal: yingqokelela ingeniso yemali, imithombo kunye neendlela yommiselo

yengeniso - indibaniselwano imali efunyenwe ngumntu ngamnye. Ukongeza, ingeniso lobuqu, kwaye ibandakanye neminye imithombo: umvuzo, iintlawulo zezabelo, imihlala-phantsi, izibonelelo, iikhomishini, iibhonasi eziyimali, intlawulo iindidi ezithile zomsebenzi, izipho eziinkozo, ezentlalo kunye nezinye iingenelo.

Kuba abantu abaninzi, kubalulekile ukuba akwazi ukulahla ingeniso yomntu ngamnye. Ngoncedo lo imikhwa elungileyo uyakwazi ukulawula imali zabo ukwenza imali. definition ingeniso Personal ukuba umntu ngamnye ngamnye. Zama ukuba uze uqale ukulawula yakho kwemali namhlanje! Kwaye bona nje indlela unako ukusindisa, yaye ekugqibeleni uya kuzisa lo mkhwa ebalulekileyo.

Ukonga imali kuba abantu abaninzi, kodwa ngokufanelekileyo kwaye ngobuchule ukuba utyalo kwaye sikhule ngayo, ukwazi oko akubantwini bonke. Ngokutsho manani, ingeniso lobuqu ka -25% ibhuqiwe. Abantu abaninzi mhlawumbi bacinga ukuba kangaka ngokwabo aphike, kodwa ayikho.

ingeniso Personal - kukuthi, ngaphezu kwabo bonke, ingqeqesho kunye nokulawula imali ezifunyenweyo kunye nokuchithwa. Kubaluleke kakhulu ukuba ufunde indlela yokugcina imali, kwaye kuhle ukuba uqale kunye nokuthengwa nencwadi yokubhalela ukurekhoda yonke ingeniso kunye nenkcitho.

Savings unokuba iintlobo ezahlukeneyo. Savings amakhaya kunye zobuqu zimelwa khona njenge umahluko phakathi lobuqu ingeniso ekhoyo kunye nenkcitho. Le yokugqibela lungahlulwa-hlulwa zibe ayisosinyanzelo kwaye yokuzikhethela. imali olugunyazisiweyo imali: impahla, ukutya, unonophelo lobuqu, eziluncedo, wazikrazula tyaba (abo banyanzelwa ukuba ukuqesha igumbi). Le mali inyanga nenyanga akawatshintshi. Ngoko ke, olu hlobo inkcitho yenziwe kwinqaku imali yentsapho.

Lo mkhwa ibalulekileyo ekufuneka ibe yindoda - la malungiselelo phambi kokuba kwisicwangciso ivenkile evenkileni. Olu luhlu kufuneka ilungiswe kwangaphambili, sonke kufuneka ziqwalaselwe ngononophelo kwaye "uhlolisise".

Icebiso One: Ukwenza Family Foundation. Umzekelo, imali ezicwangciselwe ingeniso kunye nenkcitho zoshishino, kuya kuba kuhle ukuba sihlale nabo uceba ukuchitha kwi wokuzonwabisa.

Icebiso ezimbini: ukutya kunye nezinye izinto ekufuneka ukuba uthenge usoloko ngexesha. Ke ukunyulwa komntu akuxhomekekanga ekuzithandeleni koko ingeniso yakho, ukuba nje ukukwazi ku tirhisa ngobulumko imali. Kukho intetho ethi ebaluleke kakhulu: ". Abantu Poor bathenge izinto ngexesha, abazizityebi - at ngezaphulelo" Ngoko ke, ukuba uthe nezifuna ukuzimela zemali, kungcono ukulandela imikhwa izityebi. Iindleko izinto kuthengiswa ngexesha, enokubadla imali eninzi kakhulu ngaphezu off-lonyaka 50-80%. Izinto zingathengwa ngamaxabiso izaphulelo kwiivenkile intanethi okanye umyalelo kwabo kwiikhatalogu. Ke ukuba ukudla, ezo iimveliso ubomi ezikhabhathini elide, kungcono ukuba Thenga ngokwezambuku okanye kwangaphambili. Ngoko ke ungagcina ukuya kwi-30% yemali uceba ukuchitha ekutyeni.

Icebiso ezintathu: Musa Zama ukuya ngaphaya kuluhlu lwakho lokuthenga azotywe up. Thenga nje kufuneka ukuba zonke izinto eziyimfuneko efunekayo. Inkoliso yethu sele evenkileni ukhumbule ukuba kufuneka uthenge zombini. Noko ke, ukuba anithanga sibandakanywe kuluhlu lwakho, ungenza wenze ngaphandle kwayo. Eyona nto ibalulekileyo kukuba ukulawula le meko, kuba ube zibulawa.

Icebiso ezine: qhagamshelana abahlobo bakho kunye nosapho ukuze icebiso. Phambi shopping ebalulekileyo ilungileyo ukubuza nezalamane okanye abahlobo zazi ngcono kulo ndawo yakho. Ngokuqinisekileyo uya mandikunike iqelana iingcebiso kunye nengcebiso. Ngoko unako ukuthenga imveliso ngexabiso kunye ngokukhawuleza asezantsi.

Icebiso Five: ukwandisa imithombo yengeniso kunye nengeniso yomntu, ukuba ukhangela iindlela ezintsha zokwenza imali.

Zama namhlanje ukuze ndikwazi ukwenza imali usapho kunye nokulawula imali buqu, kwaye ubone indlela mnandi ngayo ukuba alinde ukuba isengqondweni ukuba nomfanekiso-mvume nantoni na. Eksperimenti ukulawula ingeniso yakho, kulula, uya kwandula ke ubone 10-30% iza kuphuhlisa kwiimali anokuthi kutyalwa.