Indlela yokwazisa iiNdawo zeMali ezifuna ukuphuculwa
1. Uhlawula ixabiso elipheleleyo lezinto zonke.
Emva koko, unemali eninzi. Kuyonwaba ukubona into oyifunayo kwaye uyithenge ngokukhawuleza. Kufuneka ube yinkqubo encinane yokugcina.
Ukuphuhlisa umkhuba wokuthatha iiyure ezingama-24 ukuthelekisa ivenkile ngaphambi kokuba uthenge . Ukugcinwa okuhlangeneyo kwizinto zombini ezinkulu - kunye nezinto ozithenga rhoqo - unokongeza ukuya kumawaka, kwanamawaka angaphezu konyaka.
2. Umhlalaphantsi? Libala ngayo.
Uhlala kulo ngoku, kungekudala. Xa ubeka imali kude nomhlalaphantsi usindisa "kwikamva lakho". Ukuba "wena" uya kufuna ukuonwabela ubomi njengokuba ukhona ngoku. Njengoko usebenza ekufumaneni ukulinganisela phakathi kwexesha elizayo kwaye emva koko ubeke ubuninzi njengoko unokukwazi ukufikelela kwiakhawunti yakho yomhlalaphantsi . Ndiyathembisa ukuba akukho mntu ufika kwikamva kwaye ucinga, "Oo, sam sindisa kakhulu."
3. Uqhubeka Uqhuba Amashishini Nabantu Abafanayo.
Noba kwenzekani. Kufuneka uhlule izigqibo zoshishino kubungani. Oko kuthetha ukuba ngokuphindaphindiweyo ubuyekeze ubudlelwane bakho bobugcisa ngokubhekiselele kumagosa e-inshorensi, abacebisi bezemali, abagcini-zimali, okanye amagqwetha. Ngaba uqeshe umntu ngokucinga nangengqiqo, okanye ngenxa yokuba uyazi?
Kanye kwithuba elithile, uya kufuna ukuthatha isinyathelo emva koko uphinde uhlole ubudlelwane bakho bezoshishino.
4. utshintshe amabhanki? Nope, Awuze.
Usufumene umlinganiselo omkhulu kwiakhawunti zakho, akunjalo? Ukuba ndakukunika amabini amabini amabhanki ukuzalisa iifom ezimbalwa, uninzi lwakho ubungacinga ukuba yintengiso efanelekileyo kwiyure okanye ezimbini kwixesha lakho.
Leyo yintengiso enokufumaneka kuwe ngokutshintsha ibhanki. Ewe, kuthatha ixesha ukuhambisa ii-akhawunti-kodwa kungathi imali ephakamileyo yakho. Ihlawulela ukujonga ngaphantsi kwimizuzu elishumi. Unokufumana into ekufanele uhambe ngayo.
5. Uhlala Unemali.
Kutheni ugcine phambili? Ukuba ufuna into ethile, unokusebenzisa i-credit. Kukho into enelisayo ngokunyanisekileyo malunga nokulondoloza izinto ngaphambili . Kwilizwe lethu langoku lekhredithi elula, oku akukwanelisekanga abantu bafumana amava ngokwaneleyo. Hamba phambili uze uzame. Ndiyakuqinisekisa ngamandla. Ndicinga ukuba uya kumangaliswa ngendlela evakalelwa ngayo.
6. Awunakuze Uthi, "Akunjalo kwiBhajethi Yami Le Nyanga."
Unomfanekiso ukuxhasa. Kuyaqabula gqitha ukuva abantu bephendula kwisicelo senhlalakahle ngento ethilekileyo, "Ndinezinye izinto ezibalulekileyo kwimali yam kule nyanga." Khetha indlela yokuchitha imali yakho ngokusekelwe kwiimpawu zakho . Xa isigqibo singagqibekanga, qaphela ukuba-kwaye uyayivuma ngxelo ebonisa oko kubalulekile kuwe.
7. Iincwadi? Kutheni Ufunda Iincwadi Xa Kukho I-TV Yesiqhelo Ukubukela?
Kungaba lula ukususa izigqibo ezimbi zezemali ngokuthi, "andiyilunganga ngemali." Yiyo yinto oyikhethayo. Unokwenza ukhetho olukhethekileyo kwaye ufumane ulwazi ngemicimbi yemali ngokwenza ukushiya umboniso weTV ngeveki; Kunoko sebenzisa ixesha lokuba ufunde incwadi malunga nokutyalomali, umagazini wezezimali , okanye i -website egxininiswe kwi-intanethi .
8. Awufunanga Uncedo lobuNtu.
Unokukwazi ukuyisebenzisa yonke into. Abantu abaphumelelayo baphumelela. Bayaqonda ukuba abakwazi ukulungela kuyo yonke into. Mhlawumbi udinga umntu ukuququzelela iingxoxo zemali phakathi kwakho kunye neqabane lakho, wenze iirhafu zakho, okanye unikele ngqalelo kwinjongo kwiingcebiso zakho zotyalo-mali. Kungakhathaliseki ukuba kuyintoni, ukufuna uncedo lwezakhono ( njengomcebisi wezezimali oqeqeshekileyo ) akusona uphawu lobuthathaka-luphawu lobutyebi.
9. Awufumani izakhono ezintsha.
Umsebenzi wakho uya kuqhuba ngaphandle kweminye imizamo yakho, kunene? Utyalo-mali kuwe ngokwakho lube ngowona mali-mali ongcono. Ukufunda okuqhubekayo njengesiqinisekiso esiphambili, isatifikethi, ukuqeqeshwa kobunkokheli, okanye iikhosi zokunxibelelana kwezakhono kuya kunceda ukuthatha umsebenzi wakho kwizinga elilandelayo . Fumana into ongayenza ukuze ukwandise amandla akho okufumana - uze uyenze.
10. Uyibeki iinjongo.
Ufuna ukuba kwindawo efanayo nonyaka ozayo njengoko ulungile ngoku. Cinga nje ngomnyaka omnye ukususela ngoku. Yintoni ongathanda ukuyenza? Ngaba ufuna imali efanayo kwiibhanki okanye ngaphezulu? Bhala apho ufuna ukuba khona. Emva koko bhala phantsi amanyathelo amanyathelo oza kuyidinga ukuba ufike apho. Ngoku, ilungiselelo lexesha elizinikezelwe kwikhalenda ukwenza le mi sebenzi. Yenza le mpu melelo kunye nemali ibe yakho.