Unokutshintsha Ubomi bakho bezeMali
Ukuzifumanisa ngokwakho utyhobole kamva ebomini akusona kumnandi. Akunandaba nokuba ufike apho - kubalulekile kuphela apho uhamba khona apha. Ukuba uzimisele ukuthatha amanyathelo angaqhelekanga, unokufezekisa izinto ezingavamile. Kuphelele ngokupheleleyo kuwe.
Abantu abaninzi kwiimeko ezinzima zemali banako ukuguqula izinto. Ayithathi imilingo. Njengokulahlekelwa ubunzima, kuthatha uqeqesho nokuzibophezela, kwaye akunakwenzeka ngobusuku.
Unokuhamba ukusuka ekuhlaleni ukuya kumhlala phantsi kwiminyaka eyi-10. Nantsi indlela.
Umhla woku-1: Qinisekisa ukuba uya kwenza oku akukho nto
Ikamva lakho liphelele kuwe. Unokwenza utshintsho oluyimfuneko ukwakha iqanda lembande kwaye uthathe umhlalaphantsi ngokukhululekile. Isinyathelo sakho sokuqala sinquma ukuba uza kwenza oku - kungakhathaliseki ukuba kwenzekani. Kungathatha utshintsho olunzulu. Abahlobo kunye nosapho (kunye neqabane) banokuzama ukukuthetha ngaphandle kweenguqu oya kuyidinga ukwenza. Ungazivumeli ukuba ziphazamise kwiinjongo zakho. Khawucinge nje ukuba kuya kuba njani ukufumana imali ekhuselekileyo. Ngoku, yenza ukuzibophezela ukuba uza kuthatha amanyathelo omntwana de ufike apho. Bhala ukuzinikela kwakho phantsi, kwaye uyifunde nganye imihla ngemihla.
Iinyanga 1 ukuya ku-3: Qala i-Bare Bones Lifestyle
Unokufutshane ungayinqumla indlela yakho kwiinjongo zakho zemali . Akunzima - kodwa kuyafaneleka. Okuphambili kuqala kukunciphisa iindleko ukwenzela ukuba ube nemali eyongezelelweyo nganye ngeveki nenyanga.
Ukuba usebenzisa yonke indlela enokucinga ngayo ukuchitha imali encinci , kuya kuphucula ngamandla akho ukugcina. Iquka ukuhlala kungento engekho nto ngelixa uphuma kwintyala kwaye wakha imali . Thengisa igumbi endaweni yendawo yakho - nokuba uhamba nesibini. Thatha uhambo lwezithuthi. Ukuthengwa kwintengiso.
Ukupheka ilayisi kunye neembotyi ekhaya. Musa ukufumana i-TV ye-cable okanye ifowuni. Ukuba uzimisele ukuhlala ngendlela yokuphila kwamathambo kwithuba elincinci uya kuba nokubukela ityala lakho liye phantsi kwaye ukugcinwa kwakho kubambelele. Indlela yokuyifumanisa ngengqondo kukukhumbula ukuba akusiyo ngonaphakade.
Inyanga 4: Ukuphuhlisa inkqubo yokulandelela
Fumana indlela yokulandelela iindleko zakho, izikwere zokugqibela zenyanga, iibhalansi ze-akhawunti, kunye nantoni na into ehambelana nemali yakho. Iinkqubo zokulandelela zingabonakala zilula njengoko kubhala ukulinganiswa kweenyanga ze-akhawunti yokugcina imali kunye nokurhoxiswa ngokupheleleyo, okanye kunzima njengoko usebenzisa isofthiwe yohlahlo lwabiwo-mali ukubeka uluhlu lwemali. Ndingakhetha inkqubo elula. Isitshixo sifumana indlela yokuhlela iimali zakho ezikusebenzelayo ukuze uzinamathele. Xa ulandelela izinto unokwenza iphepheni ngexesha kunye neengxaki zebala. Kwakhona kuyishukumisayo esinamandla ukukwazi ukubukela emva kwaye ubone inkqubela enziwe.
Iinyanga ezi-5 ukuya ku-12: Gcina yonke iMali Yongezelelweyo
Ngoku ukuba usebenzisa imali encinane ukuqala ukubeka imali kwi-akhawunti yokulondoloza okanye omnye utyalo-mali okhuselekileyo . Musa ukukhathazeka ngokutshala imali. Leyo yenzelwa emva kwehla endleleni. Okwangokunje kufuneka ukhululeke ngemali ebhankini. Umngeni ukuba uqokelele ngakumbi.
Njalo xa uhamba ukuyothenga, mfa nekiso kangakanani imali yokugcina imali yakho yokugcina imali ingaqhubeka ukhula xa unqumla ukuthenga. Khumbuza ngokwakho ukuzibophezela okwenzileyo kwaye ufuna ukukhuseleka kwezezimali ngokukhawuleza njengoko unokukufezekisa.
Unyaka wesi-2: Faka iNkqubo yokuThathisa iMali ngokuKwenza imali
Imali ingaphandle apho ukuba yenziwe. Unomkhuba wokuchitha imali onokuguqulwa ube yimikhwa yokwenza imali. Andikhathali ukuba kuthatha iiplanga zeluminiyamu ukuze zibuyiswe kwakhona kwiintente ezintlanu nganye - kukho into onokuyenza kunye nexesha lakho lokugcina ukwenza imali. Kukho ibhonasi eyongeziweyo evela ekusebenzeni ngaphezulu; kukunika ixesha elingaphantsi lokuchitha imali. Fumana indlela yokuphelisa iiyure ezimbalwa zokudibanisa ukusukela ngeveki uze uphendule lelo xesha ngeendlela zokufumana ingeniso yenkxaso-nxalenye okanye indlela yokufunda izakhono ezintsha ukwandisa i-future earnings potential.
Ngaba unokuphucula xa ushishino lwakho, utshintshe imisebenzi, ufunde isakhono esitsha, okanye uphucule ubuchule bakho bokuthengisa? Thetha nabantu abenza ngaphezulu ukuze bafumane oko kuthatha. Yiya esikolweni sasebusuku ukuba ufuna, okanye uthathe iikholeji ze-intanethi. Ungalibali ngokubaluleka kwezakhono zentlalo. Mhlawumbi unezakhono zobugcisa obufanelekileyo kodwa abantu bakho abanezakhono badinga umsebenzi. Buza abahlobo bakho, abasebenzisana nabo, kunye nomphathi weengxelo ezithembekileyo. Eli lixesha lokubeka i-ego yakho eceleni kunye nokwenza utshintsho oluyimfuneko ukuze ufike phambili.
Unyaka wesi-3: Funda iNcwadi yeMali ngenyanga
Yiya kwilayibrari uze ufumane incwadi enxulumene nemali ukufunda inyanga nganye. Kungenzeka malunga nokwenza imali ethe xaxa okanye malunga nokutyalomali. Kungaba malunga nokwakha ubutyebi nge-estate, okanye mhlawumbi malunga nendlela yokuphucula izakhono zakho kumsebenzi wakho. Awuyi kuqonda yonke into oyifunayo. Kulungile. Ukuba unamathela kuyo, uya kufumana ulwazi.
Unyaka wesi-4: Xa wenza okungakumbi, Musa ukuchitha ngaphezulu
Njengoko uqala ukwenza okungakumbi, kulula kakhulu ukuba uqale ukuchitha ngaphezulu nangaphezulu uze uchithe uze uphule. Gwema oku ngokujonga ngokuqhubekayo imeko yakho yezemali ngokwemigaqo yokulandelela oyenzayo ngonyaka. Kananjalo kunamandla okuqhubeka nokufunda ukuzibophezela kwakho ukuba ubhale phantsi. Ukwenza oku kuwe. Ufanelekile.
Iminyaka emi-5 ukuya kwe-10: Phinda kwakhona amanqanaba angentla apha njengoko kufuneka
Ukuba ulandele amanyathelo angentla, ngelixesha ufikelela unyaka wesihlanu uhamba kakuhle endleleni yakho ekukhuselekeni kwezezimali. Oko akuthethi ukuba unakho uvila. Awufanelekanga okanye uhlale umumo, ngokusebenzisa amaxesha ambalwa ngonyaka. Kufuneka uyenze rhoqo. Oku kusebenza kwimimiselo yakho yemali. Impumelelo yezemali yimiba yokwakha onamathela kuyo yonke ixesha lokuphila. Ngoku ukuba uneminyaka embalwa yokwakha imikhwa emihle kuba yisikhathi sokufumanisa ukuba ufuna kukuthatha umhlalaphantsi . Emva koko ubeka kwakhona iinjongo zakho kwaye usebenzise amanyathelo angentla ngasentla ekujoliswe kuyo .