Ukuhlelwa kwesabelomali somndeni

Wonke umuntu uyazi ukuthi imali iyathanda ukushaya amaphuzu. Kubaluleke kakhulu ukuthi ungakwazi ukusindisa nokuzikhawulela, kodwa futhi uhlele nje isabelomali. Ekuboneni kokuqala, lokhu kubonakala kuwumsebenzi olula: ukuhlehlisa imali ethile, ukudweba uhlelo lokusetshenziswa kwayo, futhi ungaphambuki kulolu hlelo. Yiqiniso, kulula ukulawula izindleko zakho, uma uhlala wedwa, ukuhlela isabelomali semindeni kudinga umzamo nesikhathi esengeziwe.

Ngakho-ke, ngaphambi kokuba unikeze umsebenzi wokusabalalisa isabelomali ngendlela eyanele ukubuyisela inkokhelo, ukhokhele inkulisa, ukudla, ukuthengwa kwezingubo zangaphandle kanye nemishini yasendlini, futhi uhlale "emvuleni". Vumelana, kunzima ukukhumbula yonke le misebenzi futhi ulawule ukusebenzisa imali ngokulinganisa.

Ukuhlela isabelomali somndeni kuyinto engathí sina, edinga indlela efanele. Uma kungenjalo, ngaphandle kokulawulwa okufanele, izimali zingasetshenziswa ezintweni ongazidingi ngokuphelele, zokuzijabulisa nokuthenga okungenangqondo. Kulokhu, awukwazi ukuthenga into edingekayo ngempela.

Namuhla, kunezinhlelo eziningi zekhompyutha ezikusiza ukuthi uhlele isabelomali somndeni wakho ngokushesha futhi kalula ngangokunokwenzeka. Isibonelo, i- "Home Accounting". Lolu hlelo luzokwenza amaphutha ngokuzenzakalelayo kwimininingwane efakiwe. Ngosizo lwe-electronic accounting accounting uzokwazi ukuqapha amacala, ukubala imiphumela ngezikhathi ezithile, ukugcina amarekhodi ezinkokhelo nezindleko, uhlele izindleko zemali mboleko, njll.

Ngokomcwaningi ososayensi baseMelika, imali enkulu kakhulu isetshenziselwa ukudla, kanti ukudla kuka-30% kusuka esiqandisini sakho esithunyelwe kudoti. Lokhu kungenxa yokuthi imindeni ezithenga ukudla ngesonto ayinaso isikhathi sokudla konke kanye nemikhiqizo eyonakalisa. Yingakho uhlela ukudla ngesonto umndeni omkhulu kudingekile. Wonke u-economist ukhumbula lokho akuthengayo nokuthi kungani.

Isabelomali semindeni, lapho ukuhlela okuvame ukuwela emahlombe owesifazane, kudinga ukubala okuphawulekayo nokunakekelwa okukhulu. Ngezinye izikhathi abantu abaqapheli ukuthi basebenzisa kanjani imali eningi ezintweni ezinjengamakhemikhali asekhaya, izimonyo, imikhiqizo evela esitolo esikhulu. Ukuhlela ibhajethi kudinga ingqondo ebandayo nokucabanga ngezibalo. Ungawunaki imininingwane encane, ukhohlwe ukuthi usebenzisa imali njengokungena kuma-movie, amathilomu, ukuthenga omagazini abaluhlaza, njll. Imikhaya enomnotho kakhulu isilokhu ithola imikhiqizo yezimboni kanye nokudla ezindaweni zokugcina izinto eziningi, ngakho ungagcina kuze kube ngu-50% isabelomali.

Okunye okumele sikhulume ngakho ukuthi ngokuvamile sithenga imikhiqizo enikezwe ukukhangisa. Ngemva kokubona lokhu noma lowo mkhiqizo kwi-TV noma kwi-intanethi, ugijimela ngokushesha esikhungweni sesitolo ukuze uthole into entsha. Futhi imfucuza ebaluleke kunazo zonke yabesifazane yizokuthengisa kwenkathi, lapho bonke abakwa-shopaholics bekhohlwa ngokuphelele ukuthi balawula isabelomali semindeni, futhi baqala zonke izindleko.

Uma ungafuni nje kuphela ukuhlela isabelomali somndeni, kodwa futhi ufunde ukuthi ungagcina kanjani, khumbula imithetho embalwa elula:

• Nika zonke izikweletu zakho kubangani bakho nabangane bakho, ungalokothi ukhokhe imali;
• Ukubhubhisa wonke amakhadi esikweletu ongekho umkhawulo;
• Ingxenye yesikhokhelo seholo (kuze kube ngu-20%);
• Hlulela isabelomali ngendlela yokuthi 50% ongayisebenzisa ezindlini ezidingekayo, 30% ezintweni ezifunayo nokuzijabulisa, 20% ukukhokha izikweletu, ukulondoloza.

Ukuze wenze umsebenzi wakho ube lula, ungakha ama-envelope ambalwa, ukuthi yikuphi okumele kusetshenziswe imali. Isibonelo, imvilophu yokuqala ihloselwe izidingo zomuntu siqu, okwesibili ngezinkokhelo ezidingekayo (izinsiza, i- credit, internet, ucingo, njll), okwesithathu ngezinkokhelo ezingalindelekile, okwesine ngezinkokhelo ezifunwayo (izingubo, ukuzijabulisa) njll. .

Ukuhlela isabelomali semindeni akuyona into ejabulisayo kakhulu, kodwa kuyadingeka. Uma ufuna ukuthi umndeni wakho ube nemali njalo, futhi awukwazi ukuphika noma yini, udinga uhlelo.