Ukuze uthole i zimali - ngakho hamba isigamu empumelelweni

Yini yikho okunzima kunakho konke inqubo ukuqaliswa umqondo webhizinisi? Ukudweba up lwentfutfuko? Ukucinga yabaculi esizayo? Lo mkhankaso ukukhangisa? Prakthiza ebonisa ukuthi, uma kuqhathaniswa inkinga lapho futhi kanjani ukuthola i zimali ukwenza konke okungenhla - ". Ucezu ikhekhe" Noma ezimbili. Kodwa uma ungafuni ukuhlala "ngqondongqondo engaziwa", okuyinto kuncike esigabeni of ekuqaleni kokusebenza kwe-mbono, kudingeka ufune indoda manje ubani evuma ukutshala ukuthuthukiswa kakhulu lombono.

Kodwa into njengoba okunengqondo ukuyenza? Lapho kutholakala lapho abangamashumi lezi "isimangaliso izilwane" ezingase ukuphathisa imali yabo kuze ezingajwayelekile (siqala ngemibono) abantu? Ake sibheke izindlela ezingakhona.

The elula - kuyinto ukuxhumana ibhange. Cishe zonke izikhungo zamanje zamabhange akuleli ukunikela amakhasimende abo ikhono ukuthola loan emcimbini wokuvulwa ibhizinisi. Ngomqondo onabile, inkulumo lemali okuzothathwa ekhishwe, kakhulu, ikakhulukazi angeke ngokuthi nesizotha. Kodwa credit has credit. Uyoba ukubuyela lonke sikweletu iphesenti elikhulu (ngezinye izikhathi lingadlula ngisho ubukhulu izikweletu). Njengengxenye 'igazi' yabo o, ukuthi ungafuni. Yini okumelwe uyenze? Ingabe kukhona okungenziwa esikhundleni sakho?

Kuyinto ngezikhathi ezinjalo ukuze zokuqala ethembisa iyokwehla ezulwini "izingelosi." Cha, ngempela. zimali abazimele efuna amaphrojekthi ezithakazelisayo, manje kukhona zingaphezu kokwaneleyo. Futhi, endleleni, ngo eminye imibuthano baziwa ngokuthi "izingelosi ibhizinisi". ITHOLAKALA KUPHI I umtshali wemali uyobe yalolu hlobo - nanku umbuzo wesibili, okuyilona elisebenzayo futhi kuwufanele stop.

Okuhle kunakho konke, yebo, uma uqala ukucinga zimali yangasese kubantu ojwayelene wabo, izihlobo, abangane kanye babangani bakho. Kulokhu, ingozi incane nhlangothi zombili: zimali kuyoba 100% ukuthi ukuthi uma kwenzeka ukwehluleka noma ukukhwabanisa ngeke abaleke ezweni kuye. ungakwazi ungakhathazeki, esikhundleni salokho, ukuthi ngeke okwalapha ujeziselwa ukuphambuka kancane kusukela plan.

Kodwa, ngeshwa, hhayi njalo ngale ndlela wokwenza. Indlela yokuthola i zimali, uma phakathi abangani bakho nalabo ababazungezile akudingeki abantu ngokwanele abacebile noma labo abazishaya kungaba engozini izimpahla zabo? Uzowathola umangale, kodwa ukuthola i zimali kungaba kuphi: funa emaphepheni kanye neminye imininingwane ewusizo, nika amandla ukucinga izinkundla kanye nezingosi zokuxhumana nabantu.

Kuphi ukuthola i zimali, uma udinga isizumbulu? Ungakwazi ukuvula Trick ezincane (kodwa zomthetho ngokuphelele!): Thola umuntu uzovuma ukukunika iyiphi ingxenye imali eceliwe. Khona-ke ungaya ukubheka zimali ezincane, ngubani, ukuqaphela ukuthembeka nempumelelo core, okuzoba ngokwesaba kancane ukukunika izindlela liqalise imibono yakho.

Indlela yokuthola i zimali ibhizinisi ngokushesha? Ukuze ezinye kungenzeka ngokushesha, umuntu othile udinga isikhathi esithe xaxa. Kodwa sifuna ufisa ngobuqotho zonke zokuqala luthela ukucinga emabhange kwaba inselele enzima kunazo zonke sisendleleni eya ukuthuthukiswa kanye nempumelelo - ngoba kuzosho ukuthi manje bonke ubunzima oluzayo Ungasingatha izikhathi eziningana kulula!