Ukuba kunjalo, mhlawumbi ucinga ukuba igama elithi "uhlahlo lwabiwo-mali" luyinto yokuzilahla. Ngethamsanqa, akunjalo.
Uhlahlo lwabiwo-mali alukho ngaphezu kwesicwangciso esinceda uqiniseke ukuba uchitha imali engaphantsi koyiyo. Yindlela yokwenza imali yakho. Ukuba awuyithandi igama elithi "uhlahlo lwabiwo-mali," zikhululeke ukuyibiza enye into, njengokuthi "isicwangciso sokuchitha."
Uhlahlo lwabiwo-mali kwiZintlukwano kunye neNqanaba
Uhlahlo lwabiwo-mali olulula kakhulu into endiyibhalela ulwabiwo-mali, apho ubeka khona imali yokugcina imali yakho phezulu kwaye ukhululekile ukuchitha bonke abanye.
Le ndlela ilula kakhulu, kulula ukunamathela kunye nokuchithwa ngqo ekuxosheni. Uyaqinisekisa ukuba ulondoloze ngokwaneleyo, kwaye awuxineki malunga nokuba yonke imali yakho iyaphi.
Ukuba ufuna uhlahlo lwabiwo-mali kunye nesakhiwo esincinci, kunjalo, kukho izinto ezininzi ezikhethiweyo ukusuka ekuhlahleni iindleko zakho kwiimvuleki ezibanzi (ekupheleni kwembonakalo) ukudala iipredishithi kunye neendidi ezichanekileyo-ezithengiweyo nganye. ekupheleni koluhlu olunzima. Nazi iindlela ezininzi ezintle:
Uhlahlo lwabiwo-mali luyizinto ezenza kube lula ukuqonda malunga nendlela ochitha ngayo imali. Kungakhathaliseki ukuba ungumfundi, umntu omdala osebenzayo, okanye umhlala-phantsi, uhlahlo lwabiwo-mali luyakunceda ucinge ngokucacileyo malunga nokuba imali yakho iyaphi.
Nazi izinto ezimbalwa omele uzigcine engqondweni xa udala uhlahlo lwabiwo-mali:
Ngaba Unako Ukulondolozwa Kokuzimeleyo?
Ingxowa yakho yexakeka ngokukhawuleza nje imali obeka bucala ixesha lokuvula imvula enjengokuthi ulahlekelwa ngumsebenzi wakho, ukuba imoto yakho iyaqhekeza, okanye xa uphahla lwakho luqala. Ngokufanelekileyo, oku kufuneka kubhekise kwiindleko zenyanga ezintathu ukuya ezintandathu. Ngaloo ndlela xa ulahlekelwa ngumsebenzi kwiveki enye ukuba imoto yakho nophahla ziphule, uya kuhlala ulungile.
Ngaba Uhlawula ngokukhawuleza phantsi uMatyala?
Inzala ephakamileyo-nzala, ngokukodwa, yinto ofuna ukugxininisa kuyo imizamo namandla. Amatyala enzala ephantsi njengemali yakho yokuboleka imali ayikho into enokukhathazeka ngayo.
Ngaba Uyalondoloza Izinto ezinkulu zeTikiti?
Uzakufuna iimali ezithile ezijoliswe kuyo, iindleko ezinkulu ezifana nomtshato, ukuhlawula ekhaya, izipho zeeholide, ukuphumula kunye nokuhlawula imali ngemoto yakho ezayo? Ukuba akunjalo, unokufuna ukudala imali ezi zinto.
Kukho iindlela ezininzi onokumisela uhlahlo lwabiwo-mali.
Kwinqanaba elisisiseko, unokwenza iphepha kunye neepeni. Ungasebenzisa kwakhona ezi phesheya zokusebenzela zebhajethi , onokuziprinta apha, okanye ukudala iipredishithi zakho usebenzisa i-Microsoft Excel okanye i-Google Spreadsheets.
Kukho neendlela ezimbalwa ze-intanethi ezikhethiweyo ezinokukhetha kuyo, ezinye zazo zikhululekile kwaye ezinye zazo azikho.
Ayikho impendulo echanekileyo okanye engalunganga malunga nendlela elula / eyinkqenkquthela ibhajethi yakho kufuneka ibe, kwaye zeziphi izixhobo onokuzisebenzisa. Zive ukhululekile ukukhetha naziphi na iinketho ezikhoyo ezikusebenzelayo.