Indlela Imali Yomtshato Esebenza ngayo
Kubantu abaninzi, oko kuthetha ukuba imitshato iyabiza. Kuthekani ukuba awunayo imali yokuphosa iqela olifunayo? Ingaba kunengqiqo ukufumana iimboleko zendleko zomtshato?
Ngokuqinisekileyo abantu bayaboleka imitshato, kodwa kuyingozi yokuhamba, kwaye uya kufuna ukufundiswa ngaphambi kokuba uhambe kuloo ndlela.
Ngaba Ufanele Usebenzise Imali Yomtshato
Akuyi kuba netyala ukuxoxa ngezinto ozikhethayo ngaphandle kokuqala ukunika le ngcebiso: ungathathi ityala lokuhlawula umtshato wakho. Ufuna ukuqala kwinqanaba elifanelekileyo neqabane lakho elitsha, kwaye ukuqala kwetyala akuyi kunceda. Izifundo zivame ukubonisa ukuba imiba yezemali iyinto eqhelekileyo (ukuba ayifumanekanga) umqhubi woxinzelelo phakathi kobudlelwane. Kutheni uzibeka wena okanye wakho umlingane kwindawo enzima?
Ngaba bekungekho nto ukuqala umtshato wakho ngokuzakhela ikusasa lakho kunye (ngokuchasene nokudlala ukubamba)? Ungasindisa ikhaya, okanye - ukuba abantwana bayasemfanekisweni - kwimfundo yomntwana wakho. Ngaphezu koko kufuneka uceba uze ulondoloze iminyaka yakho yegolide kunye. Nangona ukuhlawulwa kwenyanga ngemboleko yomtshato kubonakala kunengqiqo, ezo ntlawulo ziya kuhamba ngakumbi xa uzivumela ukuba zihlanganiswe kwiakhawunti yomhlala phantsi kwiminyaka embalwa.
Ukuba awunayo imali ngoku, ngaba izinto ziya kuhluka njani emva komtshato wakho?
Ukuba Unquma Ukuboleka
Ukuba umele ufumane umboleko womtshato wakho, uboleke ngokuhlakanipha. Uninzi lwemali-mboleko, ngakumbi ukuba zithengiswa njengezivumelwano ezikhethekileyo zomtshato, ziyimali-mboleko kuphela . Oku kuthetha ukuba awuyi kuthenga isibambiso - izikolo zakho zekhredithi kunye neengeniso zakho zizinto ezichonga ukuba ngaba uya kufumana mboleko.
Ngaphambi kokufaka isicelo, khangela ityala lakho kwaye ulungise nayiphi na iiposiso okanye izinto ezimbi eziza kukuthintela ukuba ungene kwi -intle .
Kungenzeka ukuba kudingeke ukuba ujoyine imikhosi. Ukuba awukwazi ukufumana imboleko ngokwakho (ngenxa yokuba unesitalathisi esincinci okanye esimbi okanye engenayo imali engenayo ukuze ufaneleke), iqabane lakho elizayo lingafuna ukutyikitya ngemboleko . Oko kuthetha ukuba bobabini unomthwalo ofanelekileyo wokubuyiselwa kwemali - into efanelekileyo okanye engalunganga kuxhomekeke kwindlela obujonga ngayo (uxanduva olulinganayo lithetha ukuba ungumlingani olinganayo, kodwa ukuba kukho into engalunganga, bobabili uya kugcina ngetyala). Ngokwemigaqo engcono, jonga iimboleko ngeempawu ezilandelayo:
- Imali-mboleko engakhuselekanga ayifuni nantoni na, kwaye awuyi kulahlekelwa yindlu yakho okanye imoto ukuba awuyi kubuyiselwa
- Iimali-mboleko zexeshana zincinci zithatha ixesha elincinci lokubuyiselwa , ngoko uya kuhlawula inzala encinci ngaphezu kobomi bakho (kwaye unokubeka umboleko emva kwakho ngokukhawuleza)
- Isantya esinomdla esichaziweyo sithetha ukuba uya kukwazi ukuba yintoni inkokhelo yakho kuze kube yilapho uthatha umhlala-phantsi (nangona unako ukufumana amaxabiso athile aphantsi xa uhamba ngezinga eliguqukileyo )
- Imboleko yemali yesikhwama semali-mboleko yexesha elilodwa ohlawula phantsi kwexesha
Kuphi ukuboleka
Kwimivuzo engcono, fumana imali mboleko kwi-bhanki, umanyano wemboleko , okanye umboleki we-intanethi .
Oontanga ukuba bathengise ababoleki banokukhetha kwakhona - banikezela ngemali-mboleko yexesha elifutshane kwimilinganiselo yokukhuphisana. Ukuba awukwazi ukuhlawula imali mboleko kwiminyaka embalwa, kungcono ukuba ucinge kwakhona.
Amakhadi enkoleko asemngciphekweni ngemali yakho yomtshato. Ngokuqinisekileyo, kulula ukuyisebenzisa, kodwa izinto zingaphumelela ekulawuleni kalula. Ukuba unetyala elikhulu kwaye (ngokubaluleke kakhulu) isicwangciso sokuhlawula imali mboleko yakho kwisithuba seenyanga ezintandathu okanye ngonyaka, ungasebenzisa i- 0% yesithenjwa sokunceda . Kodwa ukuba awuyi kuhlawula umboleko ngokukhawuleza ngokuqinisekileyo uzakufumana ngaphezulu kwentloko yakho.
Zindlela ezimbalwa
Ekubeni sele sichithise imvakalelo yothando, nasi iindlela ezimbalwa zokufumana umboleko wemitshato yakho yomtshato. Ukuba awunayo imali eyaneleyo yomtshato wakho wephupha, kufuneka ufune into ethile , ingaba ngoku okanye kamva.
- Uhlahlo lwabiwo-mali kwaye ulondoloze: ngaphandle kokuba utshatanga inyanga ezayo, unexesha lokucwangcisa nokubeka imali eceleni. Ukuhlawula oko unokukwazi ukukwenza-ukuphucula le mkhuba kuya kukunceda kwiminyaka yakho yonke. Qala ukwakha ubomi bakho ndawonye ngaphambi kokutshata .
- Intsapho kunye nabahlobo: abanye abantu baya kuguqulwa ukucela abahlobo kunye nosapho ukuba bancede ngomtshato. Ukuba awukho omnye wabo, cinga ngeendlela zokudala ukufumana uncedo. Ngomnye ogqithiseleyo, unokumane ucele imali kunye ne-crowdfund emtshatweni. Ngaphandle koko, abahlobo bakho kunye nosapho banokunikela ixesha, izakhono kunye nezinye izixhobo : mhlawumbi umntu unempahla enhle yosuku olukhulu, omnye umntu ungumkhweli omangalisayo (kunye nokukwazi ukukhonza abantu abaninzi), kwaye uya kwenzeka ukuba wazi umfaki-zithombe omhle (ongeke "ayibale" ukuthatha iifoto njengoko ubusuku buqhubeka). Abathandekayo bakho abafuni into engakumbi kunokukunceda ukuba uyeke ubomi obonwabileyo kunye.
- Ukunyaniseka kweendleko: mhlawumbi unokubamba ukuthenga loo ndoda ebiza. Qala ngento onokuyithenga ngoku, kwaye uphucula emva koko ebomini (mhlawumbi kwiminyaka ebalulekileyo, okanye xa imeko yakho yemali ivumela).
- Khawukhawuleze: unokufuna ukuba wenze izigqibo ezinzima malunga nosuku lomtshato. Ungamema abantu abambalwa, okanye wenze umcimbi ube mncinane? Mhlawumbi ibha evulekile ayikho kumakhadi. Iindwendwe zakho ziyakhumbula uvakalelo oluqhelekileyo lwemihla ngaphezu kwezinto ezithile (kwaye kwakhona, ulonwabo lwakho luya kubaluleke kakhulu).