Iingcebiso zokwenza isakhiwo sobutyebi sibe mnandi
Ukukunceda uqonde ezinye zezinto endicinga ukuba zibalulekile xa kuziwa ekulondolozeni imali kunye nokutshala imali, ndidibanise uludwe olukhawulezileyo kunye neengcamango zam ngenxa yokuba kutheni into ethile ibalulekile.
Qhubeka Ucinga. Ukulondoloza nokuTyala imali Kubalulekile kodwa Ziyindlela yokuphela
Utyalo-mali kunye nokugcinwa kwakho ekugqibeleni kuyindlela yokuphela. Ixabiso lephothifoliyo yakho lihlala kwindawo yokuzonwabisa kunye nezokhuseleko olunikezela intsapho yakho. Esi sihlandlo ngokuqhelekileyo sizathu esivakalayo sabantu abaziphatha kakuhle xa beza kwiindawo zabo zokugcina impahla - bajonga ngokufihlakeleyo nganye kunye nokunciphisa njengendwendwe okanye indlala. U budenge; iphosakelo. Imali isixhobo. Akukho Okuninzi. Akukho ncinane. Kukho ukukhonza kunye nokufezekisa nantoni na oyifunayo ukuba uphumelele ebomini bakho, kuba kukukwenza ukhululeke ngakumbi, kukunika ulawulo phezu komsebenzi wakho, uhlala kwindawo oyithandayo, ukunika abantwana bakho nabazukulu ukuba baqale intloko ebomini , okanye ukukwazi ukuphishekela umonde ongeke ukwazi ukuwufumana.
Xa uqala ukubeka phambili ukugcina nokutshala imali ngenxa yakho, mhlawumbi uya kwenza izigqibo ezimbi uze uphelelwe kwezinye zezona zinto zixabisekileyo ebomini. Kwabanye abantu, ukungabikho komzimba kuba uhlobo lwesifo; unqulo olunjengezenkolo olubagqilaza kwiingxowa-mboleko kunye neengxowa-mboleko zabo.
Ukulondoloza kunye nokuTyalwa kweMali kuya kuba lula kakhulu xa utyeshela ukusetyenziswa kweTreadmill
Kwinqaku edibeneyo kwinto yokugqibela, njengokuba unokuba udibanisekile, awufuni ukuphendukela kwisigxina, ungakwazi ukuphika ngokukhetha oko ufuna ngokwenene kwiminqweno yexesha elifutshane. Ukumodareyitha kuyintloko. Ukunyaniseka nokuzimela kuyimfihlo. Ngendlela efanayo, ukutya okuncinci okanye ukutya okanye isiselo esininzi kunokubangela ubandezelo nokufa emzimbeni, ngokunjalo unokwenza umgca okanye ugxobhoze umvuzo emphefumlweni.
Mhlawumbi uyazi oko ndithethayo. Ubona abantu abahlala benetyala lekhadi lesikweletu ; ohlala efuna imoto entsha nokuba ngaba abanako ukuwufumana. Bahamba ngokuphila benza izinto ezilungileyo kodwa bengenakukwazi ukukhangela iipenki ezimbini kunye ngaphandle kokuba bathembisa ukuthengisa iiyure ezizayo zobomi babo (oko kwenzekayo xa abaninzi abantu beboleka imali - ngokwenene uyavuma ukuyeka iintsuku ezili-27,375 unikwe ukuba ungumntu oqhelekileyo kunye nomdla, kwiimeko ezininzi). Ukongeza ukuhlambalaza ukulimala, aba bantu abazange bacinge ngeendleko zokuphila okanye uqoqosho lwezinga. Baya kuphila kangcono kunokuba babenokuqonda kuphela kodwa ukuphazamiseka kukuphazamisa nayiphi na ithemba.
Ukuba le yindawo enokuyilwa nayo, ndingumdlali weso sixhobo sokusebenza kwengqondo esibizwa ngokuthi "ukuhluthwa". Ngempumelelo, uthatha imigaqo, umvuzo, kunye nomatshini wegeyimu yevidiyo, umdlalo webhodi, okanye omnye umdlalo kwaye uyisebenzise kwizoqoqosho zakho. Ukwenza kube ngumngeni wakho ukufumana iindlela zokunciphisa iindleko nge-$ 100 ngenyanga kwaye uyithumele ekugcineni, kunoko, uhamba ekhaya kunokuthatha ibhasi okanye ukusika ukulayela i-teyi yetiyi ngokutya kwasemini, ukucela amanzi, endaweni yoko. Iba yinkqubo yayo yomvuzo. Kukho ezininzi iinkonzo zefowuni, iinkqubo ze-tablet, kunye neenkqubo zesoftware kule mihla enokukwenza yona, kwanokukuvumela ukuba wenze ama-avatars aphakanyiswayo kumanqanaba amiselwe ngaphambili.
Kuyafaneleka. Kufuneka uqaphele oku ukuba unethemba lokunandipha ubomi. Awunakuze ufumane inkululeko yemali de ube usususile umtya wokutya.
Emva kokuba usulele kumkhwa wokuboleka ingeniso yengomso ukuhlawula iindleko zanamhlanje, uya kuqala ukunyanya imali kwaye mhlawumbi wakho umsebenzi okanye umsebenzi. Esikhundleni sokubukela njengendawo yokufumana iitalente, izipho kunye neenjongo, kuba ngumsebenzi ongapheliyo omele uwugqibe ukuba unethemba lokuphuka nangaphelo lwenyanga nganye.
Ukulondoloza kunye nokuTyala imali kuLungelelanisa xa Ubeka i-Auto-Retardal kwi-Check your
Amafemu amaninzi e- brokerage avumela ukuba ubeke iifomethi rhoqo ngokudlulisela imali kwi- akhawunti yakho yokutshekisha okanye yokulondoloza nganye iveki, ngenyanga okanye kwikota. Yindlela efanelekileyo kakhulu yokuqalisa ukugcina ngoba ungaboni okanye ungaphuthelwa yimali njengoko ishukunyiswa ngqo kwi- akhawunti yakho ye- brokerage . Kwiphepha elifanayo, ukuba umqeshi wakho unika ithuba lokurhoxisa ngokuzenzekelayo kwi-akhawunti yakho yomhlalaphantsi, unokufuna ukuqwalasela ukujoyina.
Fundisa Ingqondo Yakho. Eyona nto uyayazi, ovuyo ngakumbi Ufumana malunga nokulondoloza nokutshala imali ngenxa yokuba uyazi ukuba uThengela iNkululeko
Kukho amakhulu emali ephezulu, utyalo-mali, uqoqosho, i-accounting, ibhizinisi kunye neencwadi zokulawula ehlabathini. Iiyure ezimbalwa zokufunda kakuhle ngeveki nganye zinokuthi zibe nefuthe lokunyusa kwi-pocketbook yakho kunye nokunika into ekuthetha ngayo nabahlobo bakho kunye nosapho. Omnye umzekelo omncinci kukuba kukuvuyisa ukubona umhlaba nge lensi yokudala ingeniso engenayo; yokulinganisa impumelelo yakho yonyaka ngezinga lemali engenayo, uvelisa iinyanga ezilishumi elinesibini . Omnye ufunda indlela onokuhlawulwa ngayo ukuze utshintshe abanye abantu oza kuthenga i-stock oyifunayo ukuyithenga, ngentlawulo ofuna ukuyihlawula. Kuzwakala iphosa, kodwa yinyaniso.
Ukutya ulwazi. Amass ubulumko. Yiba ngumatshini wokufunda, uhlale ungeze kwi-arsenal yakho yesicwangciso esisebenzayo, izicwangciso kunye nezicwangciso zokusebenza. Iimbono ezimbalwa ezilungileyo zisasazeka ngexesha lobomi, ukusetyenziswa ngokucokisekileyo, kunokuthetha yonke imohluko.
Ukulondoloza nokuTyala imali kuLula xa Uzibuyisela kwixesha lexesha
Ukuqhawula amakhuphoni nokunciphisa iindleko zentsapho akuthethi ukuba ufanele uphile ubomi bomntu onzima. Emva kokuba usuphelile umnqweno wokutyalomali lwakho, zizuze ngokufikelela kwisiganeko esithile. Mhlawumbi thabatha ikhefu xa uwela i $ 100,000 yokuqala yokugcina imali. Mhlawumbi uvumeleke ukuthenga ikakishi yelabi xa uhlawula lonke ityala lakho kwaye unesixhakaxhaka soxinzelelo-mali; indawo apho wena, abantwana bakho, nabantwana bakho abantwana baya kuchitha iifesi. Ukuqaphela indlela yokubeka umvuzo ngeenjongo ezibangela ukuba ufikelele, ukuzikhanyela ngokwaneleyo ukuba ungakhathazeki kwaye ukufezekiswa ngokwenene, ukunyaniseka, kunokuthatha ixesha elithile kodwa kuyafaneleka.
Izikhuthazo zoqoqosho ezintle ziyakwenza imimangaliso yokuvelisa, kwaye awufumananga ukuba kunzima ukuyeka ukusetyenziswa kwamanje xa uyazi ukuba intsha entsha ka-Allen Edmonds ikwikamva lakho. Ngaphandle koko, xa udibanisa i-luxury good with a accomplishment, inenjongo enkulu kwaye ixabiso.
Ulwazi olungakumbi malunga nokuSindisa iMali
Ukufumana ulwazi oluthe xaxa malunga nendlela onokuqalisa ngayo ukugcina imali, funda i-Guide Complete Beginner Yokugcina Imali .