Uhlahlo lwabiwo-mali - indlela yokululawula nendlela yokulondoloza ngayo?

Ububomi buba sisikhubekiso phakathi kwabatshatileyo, ukuba uhlahlo lwabiwo-mali luhlelwe kakuhle. Oku kwenzekayo nabasandul 'ukutshata abasanda kuqalisa ukusetyenziswa kubalinganiswa bomnye. Ngamnye wabo unemfuno zayo. Ukulondoloza uhlahlo lwabiwo-mali lunikeza umphumo omuhle, ukuba iminqweno yabo onke amalungu omndeni athatyathwa.

Yintoni uhlahlo lwabiwo mali?

Imali yenyanga iphantsi kwemizi yabantu abadala, kwaye abantwana baxhomekeke kubo. Uhlahlo lwabiwo-mali lusetyenzana lwazo zonke iimali zomtshato, ezibandakanya imali efunyenwe ngendlela yokuhlawula umsebenzi oyintloko kunye nolongezelelweyo. Kwangqinelana nemali "engangqalileyo" ihlawulwa:

• ukuthengiswa kwexesha lokuvuna okuvuna ukusuka kwi-infield;
• iinkonzo zomntu, umgcini wezindlu, umthumeli, owenziwa ngaphandle kweeyure zokusebenza;
• ukuhanjiswa kweendaba zamashishini (ukuthengiswa kwamaphephandaba, amaphephancwadi, amaphephancwadi);
• iinkonzo zokuzicoca (ukuguguza umzimba, ukuhamba nge-eyelash, ukuxilisa, ukubala izinwele, ukunqumla izinwele);
• umsebenzi wokulungisa kwiindawo zokuhlala kunye nezindlu;
• freelancing.

Le mi sebenzi iba yindlela ephezulu yokufumana imali, ukuba abanye abafumaneki. Kuninzi kuxhomekeke ekunyamekeleni komntu, ulwazi loshishino lwakhe kunye nokukwazi ukuguqulela into efunwayo. Ukuba amalungu omntu asekudala anenjongo yokuzilibazisa ezinika izilungelo ezilungileyo, ngoko intsapho iphikisana, kwaye ubuhlobo buba namandla.

Kutheni intsapho idinga uhlahlo lwabiwo-mali?

Kungakhathaliseki ukuba inkulu kangakanani inzuzo yengeniso yentsapho, kwi-bhokisi yemali ayiyi kunyuka, ukuba uyichitha ngokungenangqiqo. Inhlangano engabonakaliyo-mali ibambelela kwaye iphindaphinda imali nangona ixabiso elincinane lifunyenwe. Uhlahlo lwabiwo-mali, olujoliswe kumaphepha, luqwalasela iindleko zemihla ngemihla. Kule meko, kunikwe ingqwalaselo ekuthengeni apho:

• kukho imfuno yemihla ngemihla;
• kukho inzuzo, ekuvumela ukuba ube neyongezelelweyo ngeniso;
• Imindeni ibona inzuzo entle kunye nokubuyisela kwabo inzuzo.

Iintlobo zohlahlo lwabiwo-mali

Izindlela ezikhoyo zokugcina uhlahlo lwabiwo-mali lwenziwe luhlobo lweentlangano zakhe. Ngokomzekelo, kwezinye iintsapho, umfazi ungumkhokeli ogcweleyo wemali yokuthengiselana, unemivuzo yomvuzo kunye namakhadi okulondoloza ezandleni zakhe. Loo ntsapho "u-monopoly" akaqhelekanga ukuba umntu akaqinisekanga yena kwaye ucinga ukuba umfazi uya kulahla imali engcono kunoko. Uhlahlo lwabiwo-mali lwabanye lunokumelwa ngenye iindidi:

1. Eziqhelekileyo . Ngohlahlo lwabiwo-mali lwentsapho, iimali eziphambili nezongezelelweyo ziqokelelwa kwisixa esisodwa. Okokuqala, iinkonzo zorhulumente zihlawulwa, imali igcinwe ukuthutha, ukutya kwabantwana esikolweni. Izinto zorhwebo zithengwa iimfuno ezisisiseko (iimveliso, iimveliso zokucoceka) kunye nemveliso (inyama, okusanhlamvu, ibhotela, ishukela). Ukusetyenziswa kweendleko ezilandelayo kuxoxwa ngazo kwibhunga leentsapho jikelele. Amalungu omdala entsapho ahlala eyazi ukuba ziphi na kwaye zishiye imali kwi-bank piggy bank.
2. Hlu kileyo . Imfucuza ehlukeneyo yemali iba luvavanyo olunzulu kubantu abasanda kutshata. Ngokomzekelo, umfazi uthenge umkhiqizo, kodwa umntu unikezela iingubo zabantwana, uhlawula ukutya kwabo. Uhlahlo lwabiwo-mali oluhlukeneyo kwintsapho luyintloko ebangela ukungavumelani kwentsapho. Ukuba elinye iqabane lingathethi ngento yokuba unemali, kwaye enye iyayifuna, ngoko ayikude nehlazo lomndeni.
3. Ezixubileyo . Ifom efanelekileyo kakhulu yolawulo lwabiwo-mali luxutywe. Inkunkuma enkulu iyenzeka, njengoko kuhlahlo lwabiwo-mali lwentsapho. Kodwa ingeniso eyongezelelweyo (umzekelo, indoda ifuna umsebenzi kwisakhiwo sokwakha, umfazi udibanisa izinto aze athengise) ahlale naye. Le fomu yokwenza uhlahlo lwabiwo-mali aluyi kubangela ukungazithembi.

Uhlahlo lwabiwo-mali luvela njani kwintsapho?

Abafazi bafumana umvuzo wenyanga xa besebenza kwishishini, kwizikolo zasesikolweni nasesikolweni, esibhedlele, kwizakhiwo zoluntu. Xa ishishini lentsapho liqhutyelwa, imali ibalwa kwi-piggy bank ibhanki ingafunyanwa ngeveki okanye imihla ngemihla. Abantu abadala abakwenzi, kodwa bafumana ipensheni. Kule mali, ingeniso yentsapho eyintloko yenziwa.

Ubunono, obuqilileyo, ubunjani obusebenzayo abuyimi apho. Baqulunqa into ethile, bahlaziye izixhobo ezigqityiweyo kunye nabanye, badibanise izinto ezintle, bhaka amaqebelengwane amnandi, babhale amanqaku amnandi. Ingeniso eyongezelelweyo, ezisa inzuzo ngaphezu kweendawo ezisemthethweni zomsebenzi, kwixesha elizayo lingaba luhlobo oluphambili lwemali engenayo. Iyintoni isiphumo sebhajethi yentsapho kule meko? Impendulo ilula: kuyo yonke imithombo yemali.

Indlela yokulawula uhlahlo lwabiwo-mali?

Ukufumana imali kunye neendleko zabo kubhalwe ngcono kwiphepha. Olu lwazi kunzima ukuyigcina kwimemori. Uhlahlo lwabiwo-mali lubhaliso lwemali apho imali igcinwa khona, kwaye inkunkuma yabo ibalwa ukucacisa ulwazi malunga nokuba imali ekhululekile "ikhululekile" ihlala enye iindleko. Ukuziqwalasela, unokwenza i-notebook jikelele kwaye udwebe ietafile ezimbini kuyo:

Ukucwangciswa kohlahlo lwabiwo-mali

Umbuzo wendlela yokucwangcisa uhlahlo lwabiwo-mali, kufuneka ubuyele rhoqo. Kubalulekile ukufumana ukufumana imali yeveki, inyanga, ngonyaka. Zonke iifom ziyaqwalaselwa: ipensheni, umvuzo, isigxina, isibonelelo somntwana, imali eyongezelelweyo. Iintlawulo zisoloko zizimisele: izixhobo, umbane, intanethi, ukutya kwesikolo. Okulandelayo: iintlawulo, isixa salo sitshintsha: ukuhlawulelwa kwezonxibelelwano zamaseli, ukucoca okucokisekileyo, iimveliso zentsapho, iimpahla. Kufuneka:

• isixa semali;
• iimali zenkcitho yonyaka (ukuthengwa kwamalahle, amazambane, iswekile, imifuno kunye neziqhamo zokuvuna ubusika).

Indlela yokwabela uhlahlo lwabiwo-mali?

Akunzima ukuqonda indlela yokubala uhlahlo lwabiwo-mali, ukuba ngaba iindleko ezingentla zidityaniswe kwingeniso yentsapho yonke. Imali ehlala "ikhululekile" ingasetyenziselwa ukuthenga okungagqitywanga. Xa bengenakwaneleyo, imali kufuneka ingashiywe kuze kube yinyanga ezayo, xa uhlahlo lwabiwo-mali olutsha luza kufumana umvuzo omtsha. Ngexesha elifanayo imali yongezwa kwirejista yemali evela kwintsimi eyongezelelweyo. Emva kwexesha, imali encinane yemali ivela kwiifomiti ezincinci.

Indlela yokwandisa uhlahlo lwabiwo-mali?

Ngeveki iintsuku ezingama-7, apho abantu aba-5 bachitha kwindawo yomsebenzi. Ixesha lokuhlwa lichitha ixesha lokulungiselela isidlo sakusihlwa, ukuhlamba izitya, ukubukela iindaba okanye i-movie. Ngeveki ifika ukutshintshwa kwendawo yokuhlala , isebenza engadini. Ucwangciso lohlahlo lwabiwo-mali luhlala lufana nenyanga ukusuka kwenyanga. Ukuba kukho ixesha elininzi lokukhululeka, abantu banokunyusa imali yabo ngenzuzo eyongezelelweyo. Kukho indlela enye kuphela yokuphuma: kubalulekile ukusabalalisa iimbopheleleko ngokufanelekileyo phakathi kwamalungu entsapho. Emva koko kuya kubakho ukufumana kwenye indawo.

Ukugcina uhlahlo lwabiwo-mali

Iphutha eliphambili lekhaya ukuzama ukuhlala njengabo bonke abantu. Ngaloo ndlela kuyimfuneko ukuphazamiseka rhoqo ukuba ungasindisa njani uhlahlo lwabiwo-mali. Abantu bathenga iifowuni ezithengayo, iimpahla zendlu, iimpahla. "Iingubo" ezinxibeleleyo zifikelela kuma-20-40% - iimpahla ezintle zigcinwe kwimeko ethile ekhethekileyo, kodwa ayenzeki. IiKhamera, iikhamera zevidiyo, ii-microwave zisetyenziswe kuphela ngezikhathi ezithile. Isondlo siyinqobo kakhulu. Njengoko abantu bathengi iimveliso, kodwa isethi yezinto ezixabisekileyo. Kodwa izitya ezihlwaya kwaye ezinempilo zinokulungiswa ukusuka ekuthengeni okungabizi.