Ikhaya ezomnotho. ukuphathwa ezezimali siqu. Indlela ukuqhuba ibhajethi ikhaya

Ikhaya ezomnotho unesithakazelo ikakhulukazi kulabo abaye nje zeqe ngaphansi kweso elibukhali labazali washiya ngesinkwa khulula. Futhi uma ngaphambili ke ekhathalele Baba nawe mama, kodwa manje kufanele senzeni ukuze le nsizwa. Nasi ukuphathwa ezezimali siqu, futhi kuzoxoxwa ngani kulesi sihloko.

ulwazi olujwayelekile

Ikhaya ezomnotho kusho isinqumo ezivukayo nezindaba kanye nezinkinga zomnotho siqu ngezithukuthuku netinsita letikhona. Ukushintsha Izinto Eziza Kuqala yizidingo womuntu bokuphila - amanzi, ukudla kanye ubuthongo. Ngemva kwalokho kudingeka ukuxazulula udaba wenduduzo - sizogqokani ukuze sifudumale, nalapho ukuphila. Yilesi isisekelo esincane, okuyinto kumelwe zixazululwe ukuze khona ngokuphepha. Yiqiniso, ungakwazi abaphakamisi imibuzo ebeka okwengeziwe ukuphumula, futhi iSilekeleli Sokwazisa, self-ukuthuthukiswa kanye izinto eziningi more ehlukene, kodwa manje uzogxila yokudla, ilele, amanzi nezingubo zokugqoka.

Ngakho ukuthi umzimba esenamandla, udinga ukulungisa nokudla okuhle. Iphinde kudinga amanzi ezisebenzisekayo. Konke lokhu kuyadingeka ukuze asisekelo ukutshalwa kwezimali. Ikhaya ezomnotho nale acishe never unezinkinga, ngoba imali kusenzima akuyona inkinga. Endabeni kakhulu kungaba ukulima futhi sikhule ukudla ngokwabo. Nokho sinesithakazelo kwesikwenzayo, yini ukuthenga ngqo. Ukuze asindise ezezimali siqu, kufanele sibe nesithakazelo Fairground, lapho ungakwazi ukuthenga otshalwa lapha emhlabeni abalimi efanayo amazambane, iklabishi, ummbila, kanye nezinye izipho zomhlaba. Ngaphezu kwalokho, lo lokuhlushwa eliphezulu nabathengisi futhi ukuthenga ngqo kusuka abakhiqizi neqhaza yokuthi kungenzeka ukuba imali engaphansi. Lokhu kunikeza ukonga kwesabelomali yasendlini.

izinyathelo kuqala

Kodwa kanjani ngokufanele ihlelwe ekhaya ezomnotho? Kube kangakanani, kuthonywa kakhulu ekuhleleni, nokwenza futhi ukonga. Sivame bathanda Unqekuzisa ikhanda bebheke abayizinjinga American. Yilokho nje ukunakwa abantu abaningi aphinde abhukude abuyele yokuthi uthi akhiwa umsebenzi onzima futhi Thrift. abayizinjinga kakhulu e isizukulwane sokuqala - abantu ubeke eceleni imali yomhlalaphansi yabo futhi ngicebe ngalesi yobudala ovuthiwe. Ngakho-ke, ngaphambi kokwenza siqu ukuphathwa kwezimali, kubalulekile ukwenza izinyathelo ezimbalwa zokuqala:

1. Bakha nokugcina kwesabelomali umndeni. Udinga ukuba bafunde izindlela eziyisisekelo kokuqhuba Izilawuli nakanjani, cabanga elithola, nebubi, futhi uqiniseke ukuthi le nqubo akuyona eyisicefe futhi nzima.
2. Kuyadingeka ukuba unake okukhethekile imali kanye nezindleko siwela phezu kwanoma iyiphi ibhajethi umndeni ukuthi. Futhi kuyinto efiselekayo kakhulu singawanyathela ngezigaba ukuhlela ezimali inqubo yakho.
3. Kungcono ukuba ukuliqonda eningiliziwe lapho izimali zisetshenziswa kanjani. Ukuze wenze lokhu, udinga ukubhala zonke izindleko. Yiqiniso, ukuze senze lokhu kukho konke ukuphila kwami akudingekile, kodwa ungahlala kule modi izinyanga eziningana ukuze ube nomqondo othile. Futhi mhlawumbe ezizokwehlela ukuqonda okukhululayo ezinye izikhundla kukhona imali eningi kakhulu.

Lokhu kuyiqiniso ikakhulukazi ezinyangeni zokuqala ezintathu zokuphila ezimele.

Ukuhlela, kanye nokwenza

Ngakho manje sidinga ukuhlela ikhaya ukugcinwa. isabelomali Family, ngeshwa, ngokuvamile akusho amaphutha, futhi lokhu kufanele wasondela umthwalo omkhulu wemfanelo. Ekuqaleni, kudingeka uhlaziye notshwala imali ezicela ukuba umuntu noma iqembu umphakathi. Ngemva kwalokho okudingeka uyenze yokuhlela. Lapha udinga ukukhetha term lamafisha. Esokuqala lezinkinga ezikhona manje futhi ayiyi ndawo. Ngakho, udinga ukukhokha Umbuso izikweletu, ukudla kanye ezokuthutha izindleko. Yilokho-ke kuyadingeka ukuba acabangele futhi qiniseka ukubonisa ibhajethi umndeni yesikhashana. Lokhu kuzosiza ukwakha isabelomali okunokulinganisela okuyosenza bahlangabezane nezidingo zabo. Futhi kuthiwani ngokuhamba kwesikhathi? Lapha kufanele kuhlukaniswe kuyinto onesifo isifiso sabo sokuba. Ngakho, uma nje usunawo umgomo ukuba abe usomabhizinisi multi-abayizigidi ezingu-dollar engenayo, bese kudingeka anakekele ngesisekelo. Ngamanye amazwi, kubalulekile ukuhlinzeka ukuthi izimali ezithile siqu ayeqondiswe ku-akhawunti ethize idiphozi ebhange noma umantilasi ukuze ukubuyisa kamuva ngesikhathi esifanele, lapho ukuqala impilo entsha uzonikezwa. Ukuze ukuhlola amandla abo, kungaba okokuqala ukwakha ezintathu izinhlobo amabhajethi: ayemakhulu amathemba ababenawo, namaqiniso futhi ngingenathemba, bese ukuhlola lokho okungcono etholwe, futhi ukwenza ngisho kohlaka amathuluzi asetshenziswa ngaphambili. Nakuba indlela kathathu singasetshenziswa esikhathini esizayo, uma inquma ukuthi kubalulekile futhi ngempumelelo.

Ngalolo ukubheja efanayo ngokuya umsizi?

Ungagcina idatha notebook (ileja) noma ikhompyutha (PDA noma smartphone). Yini lokukhetha? Inketho yokuqala kungcono ukusebenzisa kuphela ezimweni lapho electronics awutholakali ngenxa yezizathu ezithile. Kulokhu kwanele ukudweba ezintathu amakholomu: engenayo, izindleko, inani. Okokuqala okubili ziyadingeka ukubonakalisa imisebenzi ukuthi Kwakuseshwa, kanti eyesithathu - ukubuyisana. Ngokulinganiswa electronics kungashiwo ukuthi kubalulekile ukuba kuwusizo kakhudlwana ukuqopha izindleko kanti umsebenzi owengeziwe nabo (nakuba kukhona umuntu). Yekuchumana kule ngeke ayeke futhi unake kuphela izici ezimbalwa ewusizo kakhulu:

1. Ukubika. Kuyasiza kakhulu futhi umsebenzi obalulekile. Ikhompyutha ikuvumela ukuba ngokushesha ukucubungula idatha nokubika emuva esikhathini esizayo ukuhlaziya ngempumelelo. Futhi ngesisekelo ulwazi wathola zingafundwa ngempumelelo.
2. Ukuba khona izinhlobo eziningana zama-akhawunti. Kuyinto elula kakhulu ukuthi ungakwazi ukwaba idiphozi ahlukene ebhange, ibhajethi umndeni, mutual funds kanye nezinye izikhathi ukusebenza.
3. Ukuhlela. It ikuvumela ukuba wenze izindleko ezilinganisiwe kanye izinkokhelo esizayo, ngakho ungakwazi belingisa isimo kuyoba emva kwesikhathi esithize.
4. Ukubalwa isithakazelo loans kanye imali. Singathini - mnandi kakhulu futhi kuyisisusa into.
5. Ukulawula izikweletu. Ukuze sibonakalise ngokunembile izindaba zezimali lapha zingaqoshwa nalabo ayezithathele loan. Lokhu umsebenzi ayikuvumeli ukukhohlwa, ubani amnike imali Njalo ngubani okunike kubo.
6. Vikela Ukwaziswa. Zonke ise imininingwane yohlelo ingavikelwa kusuka prying amehlo iphasiwedi okuthembekile.

Usizo Software (software)

Abantu abaningi bayazibuza kanjani ukuqhuba amanothibhuku ikhaya isabelomali. Nokho, Isampula le ndlela, futhi kufanele nenhlonipho, kodwa futhi unalo nezihibe, futhi bebonke, ke akusebenzi. Nakuba notebook ikuvumela ukwenza idatha encane ezihlotshisiwe, kodwa namanje kangcono Thenga kakhulu isofthiwe ergonomic ngaphezulu. Le ndlela elula kakhudlwana, futhi kalula ungena umkhuba ngoba wenduduzo yayo. Sincoma benaka software efana:

1. "YaseNdlunkulu Finance".
2. "Meanie." Hhayi ukusebenza kakhulu, kodwa elula ngaphandle ezingadingekile frills Uhlelo.
3. "I-Home Economics". isofthiwe Pleasant okuyinto ikuvumela ukuba sizikhandle ukwenza izibalo.
4. "Ibhajethi Umndeni".
5. "Ekhaya Ukugcina amabhuku". Uhlelo Amatebhe ngongqimba izilungiselelo ezahlukene.
6. AceMoney.
7. Umkhaya. Uhlelo Excellent, omunye the best (ezinye buthule esabela №1) kulezo ethulwa kwi-inthanethi. Kuyinto efiselekayo ukusebenzisa kunguqulo entsha ngoba wangaphambili linenani elikhulu nje impela izinkinga isofthiwe.
8. MoneyTracker. Isici-ocebile futhi kulula ukuyisebenzisa uhlelo engasetshenziswa kokubili ibhajethi umndeni, kanye ezezimali siqu.

Okuningi njengoba omunye ongakhetha isofthiwe liphathwe lohlelo onjalo afana ngazo-Microsoft Office Excel (noma ecishe ifane nayo-ke). Buhle lendlela ngukutsi ulwazi mayelana nazo zonke izindleko nokunye okunjalo ingabonwa njengoba kumadivayisi angewona mobile ezifana computer kanye laptops, kanye amaphilisi mobile kanye Smartphones.

Indlela ukusindisa?

Nokho, iphuzu elibaluleke - kuba nezindleko nokwenza. Empeleni yethu ichithwa Tinsita 2/5 wabo bonke izimali. Kufanele futhi wazi ukuthi tilinganiso yonyaka ka 15-20 angu, okungakwazi kodwa ukudabuka. Ngakho-ke, kufanele sicabange ngendlela ukunciphisa usayizi izinkokhelo. Uma sikhuluma inkathi ebusika, lapho kusala kusiza ukufakwa amamitha nokufudumala kwembulunga emafulethini / izindlu. Ngaphezu kwalokho, ungakwazi ukuqapha impilo yabo, kwaba akudingekile esikhathini esizayo ukuchitha kakhulu imithi. Uma wayefisa, kanye namathuba kungabonwa imoto / ezokuthutha zomphakathi ngebhayisekili. Ngakho, ngeke ugcine, futhi izinzuzo zezempilo.

Eceleni kuwufanele ukuthengisa emnothweni yasekhaya. It ihlose yokubona izidingo nokwaneliseka yabo. Ngakho-ke, ngaphambi kokuya esitolo futhi watusa ukuba enze uhlu imikhiqizo ezidingekayo, ngakho njengoba ukuhlakaza imithombo yayo yezimali okuthile okungadingekile. Akusiyo imfihlo ukuthi abakhangisi professional bayakwazi kahle ubuchopho zapudrivat, futhi kufanele uya esitolo isinkwa, njengoba indlela yokuphuma nge kweqembu amaphakheji. Ngakho-ke, kubalulekile ukuba ngendlela ehluzekile futhi singanqotshwa zokukhwabanisa. okuhle kulesi simiso usizo yezinto eziza kuqala kakhulu. Uma kukhona intando eyanele ukwenza, ichaze emigomweni ekhaya ezomnotho, futhi njalo uzigcine ngaphakathi "ibanga uhamba" ukutholakala. Lokhu kuzokwenza lula inqubo ukuzithiba.

Oh indoda, inkosi isabelomali, wafaka izwi

Ekuqaleni, kufanele ukuthi obani abayoba ulandele imali futhi bachitha it. Kuyadingeka ukuba nixoxe inqubo kanye nezici ukusatshalaliswa yabo. Kubalulekile wazi uhlobo isabelomali: ehlanganyelwe noma ehlukile. Ukuze kuzuzwe ekuqondisisaneni futhi ugweme izingxabano kudingeka sifunde ukusingatha imali. Ukuze wenze lokhu, uzakwethu ophethe isabelomali, kumelwe siqonde ukubaluleka bekuhlela ne bakwazi ukwenza izinqumo ezinolwazi. Ukuze yenze ukuphumelela ezathathwa, kufanele kuqashelwe mayelana nokudweba isakhiwo esicacile izimali nezindleko. Lokhu kuyadingeka ukuze baqonde ezinengqondo indlela izimali zisetshenziswa kanjani. Ukugcina uhlelo lokusetshenziswa kwemali yasekhaya, lapho umuntu oyedwa kuphela Kulula kakhulu. Kodwa uma bobabili - ke kakade kudinga ikhono elithile. Ekuqaleni wahlanganyela ubala imali kuyoba nzima, kodwa ngemva kwenyanga noma ezimbili emva yi zavidneetsya, ngeke kubonakale umthwalo ngakho.

Dala ibhajethi yakho

Ngakho, kubalulekile ukuhlola kahle kanjani ungakwazi ukubala. Okuhle kunakho konke ukuthi, uma ngesikhathi eqhuba uhlelo ezinjalo zisekelwe idatha konyaka odlule. Ngenxa yalesi sizokwazi ukuba njalo eseduze isicelo sezindleko. Phela, uma isabelomali Sihlelwe ngomumo okokuqala akakho idatha oqotho, kungenzeka ukuthi abantu abaningi ungangemuki ku-akhawunti, futhi ukusebenzisa imali ngale ndlela phansi. Nokho, kumelwe wenze izinguquko ezithinta ukwehla kwamandla emali. Njengoba idatha esisemthethweni esishicilelwe nguhulumeni, akukho ukholo, njengoba kukhulunywa iphuzu kungathatha ngamaphesenti nokwanda Umbuso izikweletu. Lezi zici avumela ukuba amyise ekhaya ezomnotho eduze ngokoqobo ibhajethi umndeni. Futhi, akudingeki ukuba ukhethe nakanjani indlela engcono kakhulu yentuthuko, kumele kuqikelelwe ukuthi izindleko ezihlukahlukene okungazelelwe zanikezwa. Lokhu kungaba nesidingo ukuze ayokwelashwa, futhi ephaketheni imali izingane, kanye isifiso banal for amaswidi, lapho izinto ezimbi futhi kudingeka wazi ngandlela-thile babaduduze yena. Nokho, angaphezu kwayisihlanu angu ngalolu daba kufanele bangabi bodwa. Abanye lokhu kungasetshenziswa ngendlela ehlukile kancane. Cabanga ngesimo lapho abazali banikeze izingane pocket money. Ngeke kube nomkhawulo, uhambe ngenye indlela. Lapha, ngokwesibonelo, inguqulo encane. Izingane kanye ngenyanga ekhishwe ethile bachithe uwedwa. Ake sithi, ruble angamakhulu amathathu, kodwa ungakwazi ukumisa on ayinkulungwane. It is hhayi ezilungisiwe, kodwa ngesikhathi esifanayo kuyoba ukwesekwa engasekho. Okusho ukuthi, uma ingane izoba ukuchitha yonke imali ngesikhathi esisodwa - kahle, ngakho wanquma, akukho amaswidi, amathoyizi kanye nezinye izinto kuze kube sekupheleni kwenyanga. Kamuva ngeke acabanga lutho ukuba benzeni ngezisetshenziswa yayo esabiwe, futhi ufunde unakekele ukuba nemali ukwakha isabelomali.

Ukugcina amarekhodi engenayo / izindleko

Ake sithi ngenxa yale njongo, electronics. Kanjani ukubala isabelomali yasendlini Kulezo zimo? Inzuzo ebalulekile isofthiwe wukuthi lapha kukhona ngezigaba olubanzi nezindleko. Ngakho, ungakwazi alobe bangaki waya ezokuthutha, ukudla, ezokungcebeleka kanye ukuzijabulisa, imithi, ngokuhlanganyela. Kuye imisebenzi kungenzeka zingatholakali ngisho qopha lokho futhi kungakanani yathengwa, isibonelo, ezintathu eqandisiwe ukuze ruble amabili nanhlanu. Ngakho, ungakwazi kakhulu siyihlolisise imali yabo futhi bathathe izinyathelo ezifanele, ozokusiza isebenze more kwezomnotho.

Cabangela isibonelo esincane. Kukhona ithuba ukuthatha ekhaya sinkhwa, obiza ruble amabili, noma ukuthenga ku Bun e zamashumi amahlanu yakhe. Kubonakala sengathi umahluko omncane, kodwa enyangeni edlule - ruble, anamakhulu mahlanu. Omningi, kodwa hhayi ngokweqile? Khona-ke ngonyaka - ruble ayizigidi eziyisithupha. Cishe esiphansi nempesheni yanyanga zonke. Futhi unyaka owodwa! Ngesinye Bun! Kuyamangalisa, akunjalo? Futhi uma ngokucophelela futhi babegcina ukubala imali yabo, bese kufika ukuqonda ukuthi, kancane kokushintsha mode kwabo ekuphileni, ungakwazi kakhulu ukulondoloza. Esinye isibonelo? Ake ucabange nje edolobheni elincane labantu ayizinkulungwane 70. izindleko zokuhamba ngeteksi kuyinto ruble 10. Usuku ichithwa 20. Ake sithi umuntu uya ukusebenza izinsuku ezingu-20 kuphela ngenyanga. Ingqikithi - 400. Kulo nyaka - 4800. Ungathenga okuhle, eliphezulu nokunokwethenjelwa ezemidlalo ibhayisikili, okuzokwenza ukuba ibuyiswe eminyakeni 3-5. On ke, ekuzuzeni ikhono efanele, ungakwazi kalula ukusheshisa amakhilomitha 100 ngehora (nakuba ungakhohlwa mayelana izivimbelo 60 km / h), futhi ukuthola izindawo ngokushesha okukhulu ebhasini. Futhi kukhona ayikahlanganiswa kunakwe izinzuzo zezempilo ukuba samukelwe ngu lo muntu owayegibele ibhayisikili. Futhi kusobala ukuthi, ukuthi akesabi isiminyaminya ngabo?

isiphetho

Ukuze unombono yezindawo ukuphila kwakho siqu ukuthi zingathuthukiswa, kubalulekile ekuqaleni ukwenza kokuhlaziya futhi enemininingwane ngezindleko ezihilelekile. Ngokusekelwe kulezi idatha kungenzeka ukwenza wonke ukunemba ngangokunokwenzeka e icebo labo. Bese yokuphathwa kwezimali kuyoba lula. Kungenye into ukukuzwa kusuka umuntu ukuphila kwakho bungatholakala. Kuhlukile - ukubala ukuthi ungagcina futhi ukutshala, bathi, iminyaka eyisishiyagalombili, imali engaka, ukuthi esikhathini esizayo sizokwazi ukuphila ngaphandle umkhomo endaweni ethile emsebenzini engathandwa nokwenza lokho limnandi. Kodwa ukuze kuzuzwe izinhloso ezinhle, okuthakazelisayo futhi ezidingekayo ezifana kuzodingeka basebenze kanzima. Kungase kudingeke ukuba sihlanganise izindawo eziningana lomsebenzi, kodwa kholwa yimi, kuyakufanelekela it. Phela, kukhona yini okungazuzisa kuhle kunokukhanya ithuba lokuzikhethela ukuthi kwenzekani ngesikhathi sokuphumula? Lapho ukuthumela umsebenzi wakho? Imiphi imigomo ukufeza? Iba master zokuphila kwakho - ukuthi ikusasa lomuntu.