Ukucwangciswa kohlahlo lwabiwo-mali

Ingcamango "yebhajethi" iyaziwa phakathi kwabantu. Kodwa akusiyo wonke umntu owaziyo ukuba le yindlela engeyona enye yendlela yokubala ingeniso kunye neendleko, kodwa kunye nesalathisi sobudlelwane obuphathekayo kwintsapho. Uhlahlo lwabiwo-mali luyilo lenyanga, luqulunqwe ngokubhekiselele kwingeniso yentsapho yentsapho ethile.

Ngendlela eyiyo ukubala nokulawula uhlahlo lwabiwo-mali?

Ukubala uhlahlo lwabiwo-mali, uza kufuneka ubale ibhalansi yeendleko kunye neengeniso zentsapho yakho ngaphakathi kweenyanga eziyi-3-4.

Kukho amanqanaba amaninzi ekulawuleni uhlahlo lwabiwo-mali.

1. Ukubeka iinjongo zomhlaba. Ukuba intsapho yakho ayinayo injongo ecacileyo, ngoko awukwazi ukwenza uhlahlo lwabiwo-mali ngendlela enceda ngayo ukuyifumana.
2. Ukwenza uhlahlo lwabiwo-mali okanye ucwangciso lwemali. Kule nqanaba, kufuneka ukwahlula zonke iindleko:

• kuyimfuneko-ukutya, izibonelelo;
• kuyimfuneko-imali yokuthutha, isidlo sasemini kwi-robot, njl.;
• ukuthenga okubizayo.

• Yintoni intsapho yam isebenzisa imali eninzi?
• kwinto enokwenzeka ukuyigcina?
• sifuna kangakanani, kwaye sifuna kangakanani?

Kuchanekile njani ukusabalalisa uhlahlo lwabiwo-mali?

Eyona ndlela ixhaphakileyo kukuba ukwahlula, ngokubhekiselele ekubelwe idibeneyo, eyahlukileyo, eyahlukeneyo, eyahlukileyo, eyahlukeneyo yohlahlo lwabiwo-mali. Inye nganye yeentlobo ezinikezelweyo zinezinto ezilungileyo kunye neengxaki, ngoko kufuneka ukhethe uhlobo lwakho kuxhomekeke kwiimpawu zobuntsapho bakho.

1. Uhlahlo lwabiwo-mali. Uhlobo lwesabelomali oluqhelekileyo. Kule meko, umfazi nomyeni bahlanganisana yonke imali edibeneyo kunye nokugqiba kunye kunye nendawo yokuchitha kuyo. Kule meko, iimali zomntu kunye nohlahlo lwabiwo-mali luhlangene.

   Iinkonzo: ingqiqo yento "yobunye" yamalungu entsapho.

   Umxhasi: ukungathandi komntu ngamnye ukuba axele, ngeendleko zabo, umnqweno wokuzimela ekuxazululeni iingxaki zabo zezezimali. Umnqweno wokulahla ingeniso ngokwahlukileyo, kungekhona kunye.

2. Abadibeneyo - abahlukeneyo okanye ishishini. Ukuba usebenzisa umzekelo wohlahlo lwabiwo-mali, usenokuzimela ngokuzimeleyo kuphela ezo mali ezihlala emva kokuhlawulwa kwazo zonke iindleko eziphambili, ezifana nokutya, iintlawulo zomsebenzi, iindleko zendlu, njl.

   Iinkonzo: akukho mvakalelo yecala ngemali esetshenzisiweyo kwi-budget yentsapho.

   Umxhasi: ukungathembeki kwamalungu entsapho komnye nomnye, ngenxa yokuzimela kwabo kwemali.

3. Uhlahlo lwabiwo-mali. Amaqabane kulo mzekelo kwizinto zonke zibonelela ngokwabo, ukufikelela ekudleni. Ingasetyenziselwa kwiintsapho apho umfazi nomyeni banomvuzo ophezulu kwaye abafuni ukuxhomekeka kumntu.

Iinkonzo: akukho mbambano kwizizathu zemali.

Umqhina: ukungafuni umnqweno wokuthenga ngokubambisana.

Indlela yokucwangcisa uhlahlo lwabiwo-mali?

"Indlela yokwenza uhlahlo lwabiwo-mali?" Ngaba umbuzo ophazamisa abantu abaninzi. Iikhompyutha zobuchwepheshe zanamuhla zikuvumela ukuba ulawulwe lula uhlahlo lwabiwo-mali ngokuthi wenze izicwangciso zokuchitha imali kunye neengeniso kwinyanga ezayo. Ukuba awukwazi ukufikelela kwiinkqubo zekhompyutheni ezenziwe ngokukodwa, ngoko unokukwazi ukuzimela ngokuzimeleyo itafile yeendleko kunye neengeniso zentsapho yakho. Khumbula ukuba idatha kufuneka icaciswe ngokuchanekileyo ngokunokwenzeka.

1. Yenza itafile kwiikholomu ezine.
2. Kwikholam yokuqala, bhala igama lemali efunyenweyo kule nyanga, umvuzo, ipensheni, izibonelelo zabantwana, njl.
3. Kwikholam yesibili, faka inani lemali engenayo elandelweyo.
4. Kwikholam yesithathu, faka iindleko eziqikelelweyo, zonke iintlobo zokuthenga.
5. Ikholomu yokugqibela iya kuhambelana nezibalo zeendleko zokuthenga.
6. Ukubalwa kohlahlo lwabiwo-mali. Bala imali engenayo kunye neendleko, cinga oko kungatshintshwa kwidatha kule tafile ukuze ukwandise uhlahlo lwabiwo-mali, wenze izigqibo.