Uphawule ukuba kukho abantu abangenayo imali ngaphandle kwemali, kanti abanye - njengamanzi ahamba phakathi kweminwe, kungakhathaliseki ukuba bangaphi kubo. Ngenxa yoko, ezinye iibhanki zebhanki kunye "nendawo yokukhusela" kwiinyanga eziliqela kwimeko yamandla amakhulu, abanye - iqela lamatyala. Ewe, kwaye ingxaki idibanisa iingxaki.
Indlela yokugcina imali?
Imali yingozi "mveliso", kwaye ngomnqweno wokufumana (okanye ukuthabatha kolunye) kukho abantu abaya kunoma yiyiphi inkohliso. Kunelungelo lokukhumbula i-Ostap Bender, owaziyo iindlela ezininzi "zokunyaniseka ukuthatha imali kubemi", ngoko siya kuchaza imithetho embalwa eya kunceda ukuqonda indlela engcono yokugcina imali.
- Kubalulekile ukuba usebenzise ukuthenga kuphela okufunekayo, oko kukuthi, ukuzijwayeza ukugcina.
- Ukuqonda indlela yokugcina imali kwi-inflation, kufuneka ufunde ukugcina irekhodi lemali engenayo nephumayo imihla ngemihla - oku kuza kunika ithuba lokuhlalutya apho kwaye kwinqanaba lebhajethi yosapho lisetyenziswe phi.
- Ngaphambi kokuba uthenge nantoni kwiivenkile zokuthengisa, khumbula ukuba yintoni into oyifunayo ngaphambi kwezaphulelo ezithembisayo: kungenzeka ukuba emva kwexabiso elihlazileyo lixabiso lexabiso elongezelelweyo lempahla.
- Fundisa abantwana ukufunda nokufunda ngemali: kufuneka baqonde ukuba imali ayiwa phantsi esibhakabhakeni, kwaye ufunde indlela yokuyisebenzisa ngayo.
- Awufuni ukulahlekelwa - ungazitholi. Kukho, kunjalo, nokuba isiluleko esinamandla: ukubuza yonke into. Umzekelo, kufuneka uqwalasele ukuba umntu ongenakufumana imali angasifundisa indlela yokufumana imali enkulu.
- Ngaphantsi kwexesha sihlala sibahlobo, izihlobo kunye nabahlobo, sinokuthi asiyi kulahlekelwa yimali yethu. Musa ukukhawuleza kwangoko, kodwa ungasheshi ukuvuma: "de kube ngomso" yonke into ingatshintsha. Ukuba uthatha isigqibo sokuyithatha, unganqikazi ukuthatha irisidi.
- Musa ukuthatha imali-mboleko, kwaye ukuba ngaba bayayenza, banika ixesha kwaye musa ukuzama ukuthatha entsha ukuhlawula umdala, kungenjalo kuya kunzima ukuphuma kule ngxowa yetyala.
Nangona kunjalo, ndingathanda ukungazi nje kuphela ukuba ndingayilahlekanga imali yam, kodwa nendlela yokunyusa inani labo.
Akunako kuphela ukugcina, kodwa nokunyusa imali?
1. Ukugcina imali . Kufuneka ufunde ukuhlehlisa nganye inyanga inani elithile, nokuba yincinci, kodwa-ibhilidi enkulu. Imali ekhethiweyo ayifanele isetyenziswe ngokungathi akukho nanye; ngexesha elifanayo, ubuncinane ngenyanga, isitokiti sabo sifanele sizaliswe. Oku kukuvumela ukuba ulondoloze i-capital-start-up yokutyalomali.
2. Iibhanki zebhanki . Yithemba i-akhawunti ye-deposit yeziko lezemali elinegama elihle kunye nokuthembeka okukhulu; Musa ukukholwa izithembiso zezinga eliphezulu zenzalo-bhakabhaka: ezikhangeleka ngakumbi izithembiso zomdla omkhulu, umngcipheko wokulahlekelwa konke ukugcina kwakho. Yaye ukhumbule umgaqo "wamaqanda kwinqwelo elinye": ungagcini imali yakho kwibhanki enye.
3. Utyalo mali . Indlela eyongeziweyo ngakumbi yokwandisa imali kukutyalomali, okungekho nje ukwandisa inzuzo, kodwa ikwabonelela ngethuba elixabisekileyo kule ndawo.
Iinqununu ezinenzuzo kakhulu kummandla wotyalo-mali namhlanje zingacingwa: