Ukwandisa Ubumnandi Bakho Ngomhlalaphansi ngokulandela le "Mithetho"
1. Bhekisela i-BMW? I-Survey ithi "Ewe!"
Abahlali abavuyayo kakhulu baxhamla i-BMW kwaye banamathela kwii-Asia Brands. Qinisekisa ukubeka leminye imoto "engonwabileyo" kwiluhlu lwakho kwiqula: Chrysler, Dodge, Kia, kunye neMercury.
I-Lexus ifake uluhlu lwemoto "yolonwabo".
2. Ukudlala iMarike? Cinga kwakhona
Xa usuhlala umhlala phantsi kwaye ube nexesha elongezelelweyo ezandleni zakho kuyalinga kakhulu ukuthatha umsebenzi wesibini njengomthengisi wempahla. Kodwa ukwenza oku kuya kwenza ukuba ungonwabi ekupheleni. Gwema ukutshintsha indlela yakho yokutyalomali, kwaye uqonde ingozi yokutshutshisa "itshati" yokutsalwa kweentlobo.
3. Nika Imali Yakho Injongo
Fumana isizathu sokuba unomdla kwaye uncedise imali okanye ixesha. Khumbula, umhlala-phantsi ovuyayo awukho nje malunga nokuba unakho, kodwa wenza ntoni na. Yenza imali yakho ibalwe. Abahlali abahlala phantsi bayaba nesicwangciso semali yabo nokuba oko kuthetha ukusetyenziswa ukuhamba kwihlabathi okanye ukuyiyeka.
4. Musa ukuhamba, kwaye ungayivuseleli kwakhona
Uninzi lwabantu lubonakala ukuba emva kokuba bahlala phantsi baya kuba nemali kunye nexesha ezandleni zabo ukuhamba okanye ukulungiswa, kodwa oku kunokukhokelela kwikampu engenakuvuyela umhlalaphantsi.
Bobabini ukuhamba kunye nokulungiswa kunokuza kunye nokukhwabanisa kwemali okuza kubangela ukuba uxinzelelo. Ukuba ufumana itchki ukwenza utshintsho oluthile, kukulungele ukuhamba okanye ukulungiswa ngaphambi kokuba uyeke ukusebenza.
5. Yenza i-Big-Ticket Purchases ngaphambi kokuba Ususe phantsi
Uphononongo lubonise ukuba abahlali abaqeshwe ngokuthatha umhlala-phantsi baqhele ukuthenga izinto ezinkulu ngexesha elichanekileyo.
Abahlali abahlala phantsi banomdla obunempilo xa bechitha imali. Akunjalo ukuba abayisebenzisi imali, kuba nje bayazi ukuba baya kuyenza nini: xa besasebenza.
6. Cwangcisa kunye no-B udget For Your Retirement
Iipesenti ezingama-44 zeqela elingazange lijabule liye lachaza ukuba "awanelisekanga" kunye nesicwangciso sokuthatha umhlala-phantsi ababenzileyo, xa kuthelekiswa ne-3% kuphela yeqela elonwabileyo. Abahlali abavuyayo baye baqhuba umsebenzi wabo wesikolo kwaye ngoku bafumana umhlalaphantsi wabo ngenxa yokuba baceba ukuzonwabisa.
7. Yazi I-Ratio Yakho Ecebileyo
Usenokuzibuza, "Ingakanani isityebi?" Isilinganisi esicebileyo yindlela elula eyokukunceda uqonde imali yakho. Kuphela nje inani lemali enayo malunga nemali oyifunayo. Abahlali abahlala bevuya banomlinganiselo osisityebi ophezu kwe-1. Nazi indlela ofumana ngayo isabelo sakho esicebileyo: thabatha ingeniso ozayo kuyo yonke inyanga (ukhuseleko loluntu, ipensheni, ingeniso-mali, njl.), Kwaye ulwahlule ngemali yakho iimfuno zenyanga.
8. Hlola ukunyaniseka kwakho kwi-Door
Indawo yokuthatha umhlalaphantsi yanamhlanje ayibonakali kakuhle. Akukho mntu ukholelwa ukuba uya kuba nako ukuhlala phantsi, kwaye abanye abantu abakucingi ukuba baya kukwazi ukuhlala phantsi.
Into endiyithethayo kukuthi, "ukuphosa ukungabi nantoni!" Ukunyaniseka kunye neendleko kunye neloyiko lisoloko libhubhisa ngokwezimali. Nangona kwimizila ye-bumps, imarike yemasheya kunye noqoqosho ziya kukhula ngexesha.