Bafumanaphi imali? Ukudinga imali ngokuphuthumayo, yini okufanele uyenze? Indlela yokuthola imali ngokushesha?

Izinkinga ezihlobene nezimali zikhathazeka kubantu abaningi. Kungcono ukubeka ngale ndlela: ngubani ongakhathaleli ngezinto ezibonakalayo esikhathini sethu? Wonke umuntu okungenani kanye empilweni yakhe, ngakho wacabanga ukuthi abanye abantu batholaphi imali. Indlela yokuceba? Noma okungenani uvikelekile? Imibuzo enjalo iyizigidi. Futhi bayabuzwa nje ngenani elikhulu labantu.

Ukuthola okujabulisayo

Zingaki izindaba ezaziwa, lapho kuthiwa ukuthi lo muntu noma lowo muntu uthole kanjani imali! Futhi asikhulumi ngalezo zimo lapho othile engozini ephonsa ama-ruble angu-50-100 emabhasini. Kukhona izimo lapho abantu bethola imali enkulu - ngezinye izikhathi izinkulungwane ezingamashumi ezinkulungwane zamaRandi! Ngakho-ke, umuntu oyedwa wase-US (Utah) wathenga indlu, futhi lapho egibela kuwo, wathola isikhwama esinezikhwama zemali eziboshwe ngezindophi ku-attic. Ngokuphelele, bekukhona cishe ama-$ 50,000. Umnikazi wangaphambilini, owashona ngaphambi kwesikhathi, wayenomkhuba wokufihla amadola nokuwagcina ngale ndlela. Kodwa-ke, umnikazi omusha waxhumana nezingane zakhe futhi wadlulisela labo abathola izindlalifa ezisemthethweni.

Kunamacala amaningi anjalo. Kodwa wonke umuntu uyazi kahle ukuthi imali iyatholakala kuphi futhi kangakanani. I-Trifle - 50, 100, ingaba nama-ruble angama-500 - ezitolo ezinkulu, ezitolo, ema-shuttles nezinye izindawo zomphakathi, okuyisisekelo ngenxa yokunganaki kwabantu noma ukungabikho kwengqondo. Kodwa ngale ndlela ukuxazulula izinkinga zabo zezezimali cishe akunakwenzeka - kunesidingo sokuba nenhlanhla ne-rand. Ngisho nezeluleko ezimbalwa zokuthola imali, khona. Izincomo ziyisisekelo - udinga ukuhamba kaningi ezindaweni ezesidlangalaleni, vakashela izikhungo zezitolo nezokuzijabulisa futhi uqaphele ngokwengeziwe, ubheke eduze nanoma yiziphi izinto ezincane. Ngakho-ke, mhlawumbe, futhi kuzovela ukuthola noma yiliphi ibhilidi elahlekelwe ngumthengi ohlakazekile.

Kungenzeka yini ukuthatha okutholiwe?

Ngakho, lapho ungathola khona imali, kuyaqondakala, kodwa abaningi banesithakazelo komunye umbuzo. Ngingabakhetha? Abanye bakholelwa ukuthi akuthandeki futhi kuyingozi ngisho - imali yomunye umuntu. Ukukholelwa enkolelweni ngisho nokuqinisekisa, ukuthi, uma uqokile uthole, ngakho-ke kungenzeka ukuthi ulahlekelwa okuningi. Kukhona omunye umbono - ungathatha umtsetfosivivinywa, kodwa kufanele uchithe ngokuphuthumayo. Imali elula kalula (eyinqola noma etholakala) iholela ekuhlulekeni, ngakho-ke kubo kuyadingeka ukuqeda ngokushesha ngangokunokwenzeka. Abanye abantu banombono onengqondo - uma kukhona imali emgwaqeni, abesekho abangabani. Akusilo lutho abakushoyo-okuwa, sekuphelile. Uma itholakala, uma udinga imali-kungani ungayithathi? Ngempela, kunoma yikuphi, omunye umuntu uzoziqoqa. Futhi ngokuzumayo le mali ifuna ukuphila ngale ndlela, ngani? Ngokuvamile, wonke umuntu ucabanga ngendlela ehlukile, lapha indaba ingumuntu ngamunye.

Yiba ngetyala - njengendlela yokukhetha

Namuhla abantu abaningi baphila ngesikweletu. Ngezinye izikhathi ucabanga ukuthi bonke laba bantu abacebile bathola kuphi imali, ukuthi baqhume izimoto ezibizayo futhi bahlala phakathi nendawo yedolobha? Kodwa kuvela ukuthi konke akulula kakhulu-banesibhange. Kodwa isikweletu somthengi ngokuvamile siyisimo esibucayi, futhi akuyona imali kakhulu, uma konke kubalwa. Futhi ungathola kanjani imali ngenye indlela, uma kungekho enye indlela yokuphuma? Abantu abaningi besaba ukwenza ebhange, kodwa bajwayele ukuxazulula izinkinga zezimali ngale ndlela. Amabhange amaningi anikeza izimo ezinhle kakhulu. Isibonelo, "eBhange laseMoscow" ungathatha ama-ruble angu-3 000 000 ngesilinganiso sama-22% ngonyaka ngezinyanga ezingama-60. Kunezinhlinzeko eziningi ezithembekile, kuphela okudingeka zibhekwe.

Kodwa-ke, ukuphazamiseka ngombuzo wokuthi ungayikhokhisa imali , kubalulekile ukuthatha indlela enesibopho sokuthola ibhange elifanele. Ungadluliselwa ekunikezweni okulingayo kusuka enhlanganweni engaziwa, ngaphandle kwalokho ungalahlekelwa yizinto zonke. Kungcono ukuya emahhovisi kahulumeni. Kodwa, kufanele kuphawulwe, amabhange akhathazekile kakhulu ngokukhishwa kwemali mboleko, ngokubeka phambili izidingo eziqakathekile kubalimazi. Isikhathi esithile, ubude benkonzo, isitifiketi esivela emsebenzini, ubufakazi bokuthola imali, ibheyili, izigulisi, umlando omuhle wesikweletu, akukho malimboleko evelele - akuwona wonke umuntu ozothola imvume.

I-MFIs yindlela elula futhi esheshayo yokuxazulula izinkinga zezezimali

Izinhlangano zezinkampani ezincane zezimali zindlela enhle kakhulu, okwesikhashana kuzosiza ukukhohlwa ngazo zonke izinkinga ezikhathazayo, njengokuthi "kuphi ukuboleka imali" noma "ukuthi ungashesha kanjani ukuthola umsebenzi okhokhela kakhulu." Yiqiniso, inkinga yezezimali izophinde ifaneleke. Kungani? Kulula. Ama-MFIs yizinhlangano ezibolekisa isikhashana isikhathi (kusukela ngesonto ukuya ezinyangeni eziyisithupha, esimweni se-PI - kuze kube unyaka) kanye nemali encane (kusukela enkulungwaneni, noma engaphansi, kuya kuma-ruble angu-100 000, Kusuka kwi-MFI ngokwayo). Futhi konke, kubonakala sengathi kuhle - kuphela ipasipoti edingekayo, umlando wesikweletu awuyidlali nhlobo nhlobo, akukho ulwazi lokuthola imali oludingekayo, asikho isidingo sokuba nesibambiso, ngisho noma umfundi oneminyaka engu-18 ubudala, ngisho nendoda endala, angasebenza kuleyo nkampani.

Okucacile kwezinhlangano zezimali ezincane

Nokho, kukhona okukodwa kodwa. Lena inzalo ephakeme kakhulu. Kusukela ku-0.5% kuya ku-2% ngosuku. Izindleko ezinjalo zibangelwa ingozi lapho ama-MFIs ngokwabo evezwa khona, ngoba anika imali kubantu abangazi lutho. Okuncane ngaphezu kwalo kwakuphathelene namabhange - futhi ungabona ukuthi indlela yabo yokuziphatha ihluke kangakanani kulowo ophethwe ama-MFIs. Kodwa ngokuvamile, izinkampani ezinjalo ziyadingeka, futhi inombolo yabo iyanda ngenyanga ngayinye. Ngenxa yokuncintisana okukhulu, ama-MFIs amaningi aqala ukwehla kwamazinga aphansi futhi enze izinhlinzeko ezingenzuzo kumakhasimende abo. Futhi, uma kunjalo, uma udinga imali ngaphambi kweholo, khona-ke izinsizakalo zazo zingasetshenziswa - uma uthatha, isibonelo, ama-ruble angu-10 000 isikhathi semasonto amabili ku-1% ngosuku, ekugcineni kuyodingeka unikeze amanye ama-ruble angu-1400 ngaphezulu. Ngezinye izikhathi, lapho lezi zinkulungwane eziyishumi zingasiza kakhulu, umehluko ngeke ube ophawulekayo.

Kuyafaneleka ukucabanga ngekusasa

Yiqiniso, uma umuntu ecabanga ukuthi angayithola kanjani imali ngokushesha futhi kuphi, akakwazi ukucabanga. Nokho, ezinye izinto kufanele zithathwe enkonzweni. Kubalulekile ukuthuthukisa umkhuba wokuqoqa izimali ngokwakho. Impilo yethu ayinakulinganiswa, futhi imali ingadingeka nganoma isiphi isikhathi, futhi kungakanani - ayikwaziwa. Kungaba yinto encane njengama-ruble ayizinkulungwane, noma mhlawumbe imali eningi kakhulu. Ngakho-ke, kufanelekile ukuba uthole imvilophu ehlukile noma i-akhawunti ebhange, futhi ngeholo ngalinye noma eminye imithombo engenayo, yibeke eceleni, uthi, amaphesenti angu-20. Lokhu akukona okuningi. Ngaphambi kwalokhu kuzodingeka ukuthi uhlele ama-80 asele.

Indlela yokufunda indlela yokulondoloza imali

Ekuqaleni kubonakala sengathi kunzima - kufanele ukhawule ngandlela-thile, ukunciphisa ekusebenziseni imali. Kodwa-ke kuyoba umkhuba, kungase kwenzeke ukuhlehlisa ngisho nangaphezulu kuka-20%. Uma umuntu ethola ama-ruble angu-25 000 ngenyanga, izinkulungwane ezinhlanu zazo zizohamba "emvilophini." Cabanga nje, ngonyaka uzoba imali engu-60 000! Akuyona ukwanda okubi. Futhi zonke ezinye izindleko zingabalwa: ngelinye ilanga ngesonto lokukhipha ukulayisha - ukuphuza amanzi nokudla iphariji, ungachithi uphethiloli, ungathengi ezimakethe, kodwa ezimakethe, uphuze ikhofi ekhaya, futhi ungayithengi ku cafe eduze nomsebenzi. Iphakethe legramu elingamakhulu amahlanu lekhofi elihle lomhlaba eliphakeme neliphezulu libiza ama-ruble angu-300, futhi lingaphezu kwenyanga nehafu noma ngisho nambili. I-espresso eyodwa inama-ruble angu-50. Ezinyangeni ezingu-24 zokusebenza zokusebenza, futhi uma uzithenga nsuku zonke, uthola ama-ruble angu-1200, futhi lokhu kuyi-2.5 amaphakethe, okungafinyelelwa isikhathi eside kakhulu! Futhi lokhu kuphela isibonelo esisodwa sokulondoloza. Ngakho-ke, ngemva kokucabangela izindleko zakho, uzokwazi ukuzifundisa ukuchitha okungenani isigamu esikhulu, kanti konke - ukuhlehlisa.

Ukuze uthole inhlanhla

Abanye, bekhathazeka ngombuzo wokuthi abantu batholaphi imali, bangakhohlwa ukuthi abanye ngezinye izikhathi bafaka ingozi. Futhi ngokuvamile lokhu kubungozi kulungile. Omunye, ekhathele ukucabanga ukuthi ungatholaphi imali eningi, uthengela amathikithi wokugcina e-lottery futhi uyanqoba ngephutha. Omunye uthatha ama-ruble angamakhulu ayisishiyagalolunye bese ebeka, engozini yakho futhi engozini, eqenjini lebhola lezinyawo elibuthakathaka. Ngokuphathelene nokubheja. Ngandlela-thile, ngezinye izikhathi kuvela ukuwina inani elikhulu kakhulu. Ake sithi, uma ufaka ama-ruble angu-500 engxenyeni ye-15, ama-winnings azoba ama-ruble angu-7500. Kodwa lapha udinga isu, udinga ukwazi ukuthi ungadlala kanjani lawa maqembu noma amanye amaqembu, noma nje ube nenhlanhla. Kodwa uma kungekho okukhethwa kukho, kodwa sidinga ukuthola imali ngokuphuthumayo, lapho okunye ukuzama inhlanhla, kungabi ngebhayisikili noma kuma-lotto?

Ukusebenza

Uma zonke izindlela ezingenhla azifanelekile, khona-ke kukhona okunye okukhethwa kukho okugcina - ukuthola umsebenzi ophuthumayo wesikhathi esithile. Eqinisweni, kunomsebenzi, ngisho nokuningi, kodwa umsebenzi awukhokhelwa ngaso sonke isikhathi njengoba nje abasebenzi befanelwe. Noma kunjalo, uma kungekho ndlela yokuphuma, abantu bavumelana cishe konke. Kunezikhangiso nezikhala ezihlukahlukene, njengabalindi ebusuku noma idili, abathengisi bokufinyelela okwesikhashana, abalindi bezokuphepha, abalayini nabanikazi bezandla. Abanye abantu, lapho bezwa ukuthi kunenkinga yezezimali, bahlelwe imisebenzi emibili - kokubili ukushintshwa ebusuku nokushintsha kwamalanga. Yiqiniso, isikhathi eside akunakwenzeka ukuba usinde, kodwa njengesixazululo sesikhashana senkinga kulungile ngempela.

Ezinye izindlela zokuthola

Kunezinye izindlela eziningi, kodwa azifanele wonke umuntu. Isibonelo, ukuhola ku-Intanethi. Lokhu kungaba, isibonelo, ukukopisha (izihloko zokubhala) noma ukubhala kabusha (ukuhlanganisa imibhalo ehlukile esekelwe ezikhona). Kodwa ngenxa yalokhu udinga ukwazi ukusingatha igama - ngaphandle kwalokhu, imikhiqizo emihle yolwazi ayikwazi ukudalwa. Abanye baqala ukudala amawebhusayithi. Kodwa-ke, ukuze uthole imithombo ukuqala ukwenza inzuzo, udinga umqondo oyingqayizivele, owenziwe emakhasini ayo. Ngaphezu kwalokho, kuzodingeka ukuthi ukuyikhuthaze ezinjini zokusesha, ukubhalisa ezinkampanini nokukhangisa kumanethiwekhi omphakathi. Abanye bayazi ukuthi "i-Forex" - lapha udinga ingqondo yezomnotho kanye nokukwazi ukubikezela. Abanye bathengisa amasheya - kukhona ingozi ethile. Futhi, ngeshwa, kukho konke lokhu okudingayo okungenani isikhathi esithile. Nokho, konke kungenzeka. Into eyinhloko ukuba nesifiso, isifiso, ukugqugquzela, futhi ngezinye izikhathi ikhono lokulala ebusuku lingadingeka.

Ikhaya elahlekile

Umbuzo wokuthi ungathola kanjani imali elahlekile ekhaya nawo ufanelekile. Bonke abantu bajwayele isimo: uzama ukuzama ukuthola izihluthulelo ezinemizuzu emihlanu edlule ezisezinyathelo ezihamba phambili emgwaqweni, ekude kude ne-TV noma ukuhamba. Futhi kwenzeka ukuthi izinto ezinkulu ziyabonakala. Akuwona wonke umuntu ogcina imali yakhe ebhange, abanye basebenzisa indlela enhle yokudala - bayifaka emvilophini noma esikhwameni esithile. Kuthiwani uma imali isingekho? Okokuqala, sidinga ukuqoqa wonke amalungu omndeni nokucacisa - kungazelelwe othile uthathe? Uma kungenjalo, bonke bazokwazi ukuthola ngokushesha. Kungcono ukuthatha ishidi ngepeni bese wenza uhlu lwalezo zindawo lapho kungenzeka ukuthi kungenzeka khona imali. Kubalulekile ukukhumbula isikhathi esabe sishabalale ngaso. Futhi-ke, hlola ngokucophelela zonke izincwadi, amaphephandaba, amafolda, amashalofu, omagazini, amabhokisi, amakhabethe kanye nezingubo. Ngezinye izikhathi umuntu ngokwakhe ukhohlwe lapho ebeka khona imali. Ngokuvamile, kungcono ukuhlola ngezikhathi ukuthi zikhona yini. Imibiko - isigamu somzuzu, kodwa kuyoba kanjalo futhi ulondoloze ukugcinwa, nokuthula kwakho kwengqondo.