Uphi na lo mali? Ngokukhawuleza kufuneka imali, ukuba benze ntoni? Indlela yokufumana imali ngokukhawuleza?

Imiba enxulumene nezimali, abakhathalele ngabantu abaninzi. Engcono baze bathi oko; ke umntu ngexesha lethu awunamdla imibuzo ngokuphathelele indlela eziphathekayo? Wonke umntu okungenani kanye ebomini bakhe, kodwa wacinga apho imali abanye abantu. Indlela ukuba sisityebi? Okanye ezikhuselekileyo ubuncinane? izinto ezinjalo - kwesigidi. Yaye ezibekwe inani elikhulu labantu.

buza nice

Zingaphi amabali siyazi, othi wena njani le nto okanye loo mntu ufumene imali! Kwaye thina sithetha ukuba xa umntu ngengozi uphose i-minibus 50-100 engange. Kwakukho iimeko xa abantu imali enkulu kangangoko - maxa wambi amashumi amawaka eerandi! Ngoko ke, umntu omnye ukususela eUnited States (Utah) uthenge indlu, yaye xa njengomhlambi, ngoko ke eliphezulu wafumana engxoweni iziqhuma zabo zemali boyika esile libotshelelwe ngeentsontelo. Xa zizonke, kwakukho malunga nama-50 000 $. Umnini wangaphambili, abafa ngaphambi nje, yaba umkhwa ngokufihla zeerandi kunye ukusindisa abo ndlela. Nangona kunjalo, umnini omtsha wanxibelelana kunye nabantwana bakhe yaye aye afumana ziindlalifa esemthethweni.

Kwiimeko ezinjalo ngokwenene kakhulu ezimbalwa. Kodwa wonke umntu uyazi apho imali amaninzi kangakanani. Makangakhohlisi - 50, 100, babe 500 engange - ezinkulu, iivenkile, iiteksi kunye nakwezinye iindawo zoluntu, oko aphantsi ngenxa ukungakhathali kwabantu okanye ukuphazamiseka. Kodwa ngendlela ukusombulula iingxaki zemali phantse akunakwenzeka - kufuneka kukho luck kunye random. Nangona isibini lamacebiso indlela yokufumana imali apho. Izindululo nezakhiwo - kufuneka uhambe rhoqo ngakumbi kwiindawo zoluntu ezivame ukuba iindawo zentengiso kunye nokuzonwabisa, aze abe ingqalelo ngakumbi, usa baqhele naziphi na iinkcukacha. Ngoko ke, mhlawumbi, aya kufumana ityala ethile, umthengi saa ezilahlekileyo.

Xana ndzi nga wu ndifumene?

Ngoko ke, apho ukuze ufumane imali, kakade, kodwa abaninzi abanomdla kwenye umbuzo. Ngaba I babewachola? Abanye bakholelwa ukuba ayinqweneleki kwaye nokuba yingozi - ukuba imali abanye abantu. Nenkolelo baye babange ukuba ukukhetha ndiyifumene, ngoko kusenokwenzeka ukuba ulahlekelwa okuninzi. Kukho enye imbono - uyakwazi ukufumana umthetho oyilwayo, kodwa ngokungxamisekileyo kufuneka ukuchitha. imali ekuthiwa lula (iphumelele okanye wafumana) kuzisa amashwa, kuba uthatyathwe kuwo kufuneka ngokukhawuleza kangangoko kunokwenzeka ukuba balahle. Abanye abantu babe uluvo ayicacanga ngakumbi - ukuba imali endleleni, ukuba kungabikho mntu ungumnini. Akumangalisi bathi - yawa, ngoko wawungasekho. Ukuba kufunyenwe, ukuba udinga imali - kutheni ungaziphi nto? Ngapha koko, xa kunjalo, ngomnye pick kuzo. Kwaye ngesiquphe kuya imali ufuna ukuza ebomini ngale ndlela, kutheni? Ngokubanzi, wonke umntu ucinga ngokwahlukileyo, apha ngumbandela siqu kuphela.

Yiba unetyala - njengokhetho

Namhlanje, abantu abaninzi abahlala ngetyala. Ngamanye amaxesha ndicinga apho imali bonke aba bantu abazizityebi ukuba ukuqhuba iimoto imali eninzi kwaye bahlala kumbindi wesixeko? Kwaye kwenzeka, bonke akunjalo nje - banetyala ibhanki. Kodwa lokuthenga udla - ndlela leyinene ngaphandle nemeko enzima, nto leyo imali eninzi kakhulu yaye, ukuba yonke into ibalwa. Nendlela yokufumana imali ethile enye indlela, ukuba akukho esinye kukhetha ashiywe? Abantu abaninzi bayoyika ukuthatha imilo ebhankini, kodwa ndize kusetyenziswa kwaye nayiphi na imiba yezimali isonjululwe le ndlela. Uninzi iibhanki zinika iimeko zangaphakath. Umzekelo, kwi "Bank of eMoscow" singathatha engange izigidi ezintathu izinga 22% ngonyaka ngamnye ukuya kuma kwiinyanga 60. Kukho kwakhona izindululo abanyanisekileyo ngakumbi kufuneka kuphela ukukhangela kubo.

Nangona kunjalo axakwe umbuzo apho ukuthatha imali kwi ityala, kufuneka uthathe uxanduva ekufumaneni ibhanki efanelekileyo. Akufunekanga lwenzelwa mtsalane neminikelo evela kumbutho engaziwa, kungenjalo ungaphulukana yonke into. Kulungile ukuya kumaziko karhulumente. Nakuba kunjalo, kufanele kuqatshelwe, iibhanka enzulu kakhulu malunga liboleke abanye, ukutyhala iimfuno ngendlela engqongqo kubaboleki. A kweminyaka ethile, iminyaka yenkonzo, isiqinisekiso evela emsebenzini, ubungqina bengeniso, izibambiso, guarantors, imbali elungileyo ngetyala, akukho namatyala angekahlawulwa - hayi wonke umntu uya kufumana isivumelwano ngakumbi.

MFI - elula ekhawulezayo ukusombulula iingxaki zemali

amaziko microfinance - oko ngenene indlela olukhulu, oluya kunceda okwethutyana ukuze ukulibala malunga nemiba exhalabisayo eqhelekileyo, ezifana "apho ukuboleka imali," okanye "indlela ukufumana ngokukhawuleza imisebenzi eliphezulu ohlawulayo." Noko ke, emva koko umba wezimali kwakhona efanelekileyo. Kutheni? Yinto elula. MFI - Bayinxalenye yemibutho ezenza lingaboleka imali kuba lifuna ixesha elincinane ixesha (ukusuka kwiveki enye ukuya kutsho kwiinyanga ezintandathu kwimeko IP - ukuya kunyaka) kunye nezixa ezincinane (-waka, okanye ngaphantsi, kwaye ukuya ku-100 000, nangona konke oko kuxhomekeke ukusuka MFIs). Kwaye yonke into yayibonakala ocoliweyo - kufuneka nje yokundwendwela, imbali lamatyala ukudlala nayiphi indima, ingxelo ingeniso angafunekiyo, akukho mfuneko ngesibambiso, yaye inkampani enjalo unokucela umfundi kwisikolo samabanga aphakamileyo ubuncinane oneminyaka eli-18 ubudala, nangona umntu omdala kakhulu.

Ezi nkcukacha zamaziko microfinance

Noko ke, kukho enye kodwa. Kuyinto - amazinga kakhulu eliphezulu umdla. Ukususela-0.5% ukuya kwisi-2% ngosuku. rates Ezo ngenxa imingcipheko ezijongene MFIs ngokwabo, ngokuba banikela imali abantu ngaye ongalaziyo. Nje ngaphezu kwaba umbuzo malunga iibhanki - kwaye ungabona indlela eyahlukileyo indlela yabo nezigcinwe nguye MFIs. Kodwa xa iyonke, ezi nkampani zifunwa, yaye inani labo kunye nyanga nganye ngokugqithisa iba ngakumbi nangakumbi. Ngenxa ukhuphiswano aphezulu MFIs amaninzi aqalile ukunciphisa iireyithi nokwenza ukunikezwa nomtsalane ngakumbi kubaxhasi bawo. Kwaye, sigcine, xa ufuna imali yokuhlawula, ungasebenzisa iinkonzo zabo - ukuba uthatha, umzekelo, ka-10 000 engange isithuba seeveki ezimbini ngo-1% ngelanga, kuya kufuneka igqibeke ukuhlawula engange-1,400 kuphela ngakumbi. Ngamanye amaxesha, xa ezi ishumi lamawaka kunokunceda kakhulu phandle, akayi kuba njengento ebalulekileyo umahluko.

Kubalulekile ukucinga ngekamva

Kakade ke, xa umntu ecinga ukuba ufumane ngayo imali yaye apho phezulu ingxoxo. Noko ke, yamkela into ekufuneka athathwe. Kufuneka ukuphuhlisa umkhwa lokwandisa imali. Ubomi bethu ke akucingeleki, kwaye imali kusenokufuneka nangaliphi na ixesha, yaye kangakanani - ayaziwa. Kunokuba ibe yinto encinane efana iwaka engange, yaye mhlawumbi enkulu impela. Ngenxa yokuba kufuneka Zibone imvulophu eyahlukileyo okanye i-akhawunti yebhanki, nayo yonke umvuzo, okanye ukusuka komnye umthombo wengeniso ebekwe bucala, nithi, 20 ekhulwini. Ayikho kakhulu kunene. Kanye ngaphambi kokuba kuya kufuneka ukuba isicwangciso i-80 abaseleyo.

Indlela ukufunda ukuze ugcine

Ekuqaleni kubonakala ukuba kunzima - kuyimfuneko ukuba into umda ngokwam, ukuba itshone iindleko ezithile. Kodwa ke kuya kungena kulo mkhwa basenokwenza sibothule ngaphezulu kwama-20%. Ukuba umntu wamkela ngenyanga ka-25 000 engange, kubo amawaka amahlanu kuya "emvulophini." Cinga nje, kulo nyaka kuya kuba 60,000 mali wabutha! Ukwanda olungileyo. Kunye nezinye izinto yenkcitho kungabalelwa: usuku olunye ngeveki ukwenza obhobhozayo - ukusela amanzi udle isidudu, ukuba bangachithi ipetroli, kungekhona zathengwa noobhazabhaza beevenkile kunye neemarike, ukusela ikofu ekhaya endaweni awuthenge a cafe ecaleni umsebenzi. pack 500-gram of coffee umhlaba olukumgangatho ophezulu kunye neendleko malunga 300 engange, kwaye kwanela inyanga enesiqingatha, okanye ezimbini. Enye espresso ixabisa malunga ne-50 engange. Ngenyanga - iintsuku zokusebenza ezingama-24, kwaye ukuba uthenga yonke imihla, ufumana 1200 engange, apho iingxowa-2.5 ukuba na ongasa ixesha elide kakhulu! Kwaye oku nje umzekelo omnye kulondolozo. Ngoko ke, cinga imali yakho, ufumana ukuze afundise wena ukuba bachithe ubuncinane isiqingatha, kwaye abanye - ukuyi-.

uzame luck yakho

Abanye owaya umbuzo apho ukuze ufumane imali okanye abantu bayakhohlwa yokuba ngamanye amaxesha abanye basengozini. Kwaye kaninzi lo mngcipheko bugwetyelwe. Umntu batyakatywa ukucinga apho ukuze bafumane imali eninzi ukuthenga indlela ezintsha amatikiti eloto kwaye win yi ngokuba liphiko. Enye ithatha i engange ikhulu usibeka emngciphekweni wakho, ukuba iqela songqamano football. Sithetha ngayo irhafu. Hi ndlela leyi, ngamanye amaxesha ujika ukufumana imali eninzi kakhulu. Masithi, Ukuba uthe wabubeka 500 engange ngomlinganiselo 15, inzuzo ngu 7500 p. Kodwa ifuna isicwangciso-qhinga, kuyimfuneko ukwazi ukudlala ngayo iqela elithile, okanye ube nje lucky. Ke, ukuba akukho iinketho, kwaye ngokukhawuleza kufuneka ufumane imali, apho enye ukuzama luck yakhe njengoko kungekho ukubheja okanye kwimidlalo?

yingxenye

Ukuba yonke kwezi ndlela na kufanelekile, ihleli indlela lokugqibela - ukufumana engxamisekileyo ngamaxesha. Enyanisweni, umsebenzi, nkqu lukhulu, kodwa ngenxa yomsebenzi ayisoloko kuhlawula njengoko abasebenzi bafanelwe. Noko ke, ekubeni kungekho ukubaleka, abantu bavumelana phantse yonke into. Kukho iintengiso ezahlukeneyo umsebenzi, ngathi Shicilela kwi shift ebusuku okanye isidlo, abathengisi urhwebo eziphathwayo yethutyana, oonogada, bamiswa abamasango, handymen. Abanye abantu, eziva ngokwabo kubunzima zemali, zicwangciswe kwi imisebenzi emibini - kwaye shift ubusuku nemini. Kakade ke, ixesha elide ngoko ke kwenzeke ukuba baphumelele ukuze usinde, kodwa njengesisombululo sethutyana le ngxaki efanelekileyo kakhulu.

Ezinye iindlela umholo

Kukho iindlela eziliqela, kodwa nayo ezifanelekileyo wonke. Umzekelo, ingeniso kwi Internet. Kusenokuba, umzekelo, copywriting (ukubhala) okanye Yeremiya (yingqokelela izicatshulwa ezisekelwe sele ekhoyo). Kodwa kufuneka ube nako ukumelana ilizwi - akakwazi ukwenza ngaphandle elungileyo le mveliso lwazi. Abanye baqala ukwenza websites. Nangona kunjalo, le resource waqalisa ukuba nenzuzo, kufuneka umbono ekhethekileyo, kuthwelwe kumaphepha ayo. Ukongeza, kuya kuba yimfuneko phambili kwi iinjini zokuphendla, ubhaliso kwi iikhathalogu kwaye wazise kwi social networks. Okunye master "Forex" - oku kuya kufuna kwezoqoqosho esicinga kunye nesakhono ukuqikelela. Abanye yokuthenga esitokisini - kukho umngcipheko ethile. Kwaye, ngelishwa ngenxa konke oku kufuneka ubuncinane ngexesha elithile. Noko ke, zonke izinto zinokwenzeka. Eyona nto ibalulekileyo - ukuba umnqweno, ukuzibophelela, isivuseleli, kwaye maxa wambi kusenokufuneka wena ukwazi ukulala ebusuku.

ukulahleka ekhaya

Umbuzo of yokufumana imali elahlekileyo ekhaya nayo ibalulekile. Bonke abantu bayazi imeko: wena ngamandla uzama ukufumana izitshixo ukuba imizuzu emihlanu kuphela phambi ilele phezu kwetafile kwebhedi kwi holo, TV okanye iintlawulo zokuhamba ekude. Yaye kwenzeka ukuba shwaka izinto ezinkulu. Asingabo bonke ukugcina imali zabo kwiibhanki, ezinye indlela endala-lixesha - uzibeke emvulophini okanye isipaji eyahlukileyo. Ntoni xa imali iphelile? Okokuqala, kufuneka uqokelele zonke amakhaya kwaye icacise - xa umntu wahamba nabo? Ukuba akunjalo, ngoko yonke kunye ukufumana ngokukhawuleza uzifune. Kungcono ukuba iphepha ngepeni kwaye benze uluhlu lwe kwezo ndawo apho, mhlawumbi, ukuba imali. Sifanele sikhumbule ixesha apho wanyamalala. Kwaye, kakade, ukukhangela zonke iincwadi, amaphepha, iincwadi, ezishelfini, iimagazini, iibhokisi, amatyala kunye neempahla. Maxa wambi umntu ngokwakhe azilibale apho wafaka imali. Ngokubanzi, kuhle ukujonga ixesha le ndawo ukuba bona. Lemicimbi - kuba ngesiqingatha somzuzu, kodwa uya kwenjenjalo lokonga kwaye ugcine, uxolo lwakho lwengqondo.