Njengazo zonke ezimnandi, imali zifinyelele impahla sekupheleni. Abaningi imindeni in the best kunjalo, abambalwa ezandulela olulindelekile iholo Discover ukuthi esikhwameni okungukuthi awunalutho. Kanjani ukuze ufunde yokusebenzisa imali ngokuhlakanipha futhi ukuphila ngokwamandla akho? Indlela uhlelo lokusetshenziswa kwemali yasekhaya, ukuze uhlale e-black?
Ukhicita sengqondo esifanele imali
Empeleni, ukuphila elikhulu zomuntu ocebile akuyona okuningi ezahlukene kusukela khona ngokunganaki abampofu. Ingabe ucabanga ukuthi leli isiphakamiso uyimbudane? Cabanga iholo lakho njalo ngenyanga ngeke kabili lokho ukuchitha "nolunya bhakabhaka," imali eningi? Iningi labathengi kulesi simo (ngokwesibonelo, lapho ukuthuthela isikhundla ngaphezulu ehlonishwayo) iqala ukuze bathole izinto ezidingekayo futhi evamile ephakeme ezingeni isihlobo nabakhonza odlule. Ngamanye amazwi, kungenzeka kakhulu ukuthi uzobe uphawu izingubo okusikhumbuza ngekhwalithi etholakalayo, ubucwebe, kokuba mass, umakhalekhukhwini ezinkulu nekhompyutha brand ethandwa kakhudlwana. Konke lokhu kuhle, kodwa ucabanga ukuthi kunengqondo, uma indlu yakho uyakwazi ukuhlangabezana nezidingo imali wamanje? Lesi sibonelo lisisiza ukuba sithathe Umthetho wokuqala kanjani uhlelo lokusetshenziswa kwemali yasekhaya: ekwakheni izinhlelo imali etholakalayo.
Thina bahlelekela izinhlelo zezimali bese udweba ithebula
Kunendlela kahle elula ukuba ishiywe ngaphandle kwemali. Ukuze wenze lokhu, kudingeka ukubala isamba izinkokhelo zenyanga isilungisiwe. Lokhu kuhlanganisa izindleko ngezidingo, izindlu eziqashisayo, uma ikhona, imfundo yezingane nokunye. Nge kancane umkhuba, wenza kanjalo uyokuqonda indlela ukuziphatha ikhaya isabelomali, futhi intando yokugcwalisa kweso izindleko etafuleni. Sithola iholo ngenyanga, kodwa uhlehlise ukubala inani lemali. Izimali ezisele ihlukaniswe ngenani lezinsuku kuze umthamo wemvula esilandelayo imali. Ngenxa yalokho, siye ezivumelekile lemali ukusetshenziswa ngosuku. Ngokucaca, ungase uyishintshe imali bese efakwa izimvilophu ehlukile, wabeka phansi usuku. Uma lonke inani emini akuyona wachitha, kungenzeka ukuthenga into enhle noma lihlehliselwe.
Indlela uhlelo lokusetshenziswa kwemali yasekhaya, bese ugcine?
Aerobatics e izindlu - iwukwenza ikhaya ezimali ukunemba ezingeni zezimboni. Kulokhu, udinga isabelomali etafuleni endlini lapho uzongena enemininingwane izinto ezinhlelweni zokuthenga uhlelo. Zama ukubala malini udinga imikhiqizo, amakhemikhali zasendlini kanye nezinye okudlekayo for endlini isonto lonke, bese ukhululeke ukuya maphakathi wholesale bese ugcine. Ungakhohlwa ukuletha e Ukusebenzisa imali ezintweni zokuthutha tekudlela nokuzijabulisa. Uma isilinganiso somholo umndeni, kungase kudingeke ugcine up for yimuphi kokuthenga izinto ezinkulu. Kuyinto snap ukungena okukhokha okwengeziwe nyangazonke futhi ukubambezeleka kusho ukuthini ukuthengwa oyifunayo.
Manje ngoba sewuyazi ukuthi indlela uhlelo lokusetshenziswa kwemali yasekhaya, kodwa kubalulekile ukuba acabangele elinye iphuzu elibalulekile: ethile ukonga kufanele ibe yonke imikhaya. Ngisho noma ukuthi awuhambi ukuthenga into enkulu noma bazilungisele umshini, stock kufanele kube. Akekho owaziyo ukuthi ikusasa lisiphatheleni, mhlawumbe, uzobe ixoshe emsebenzini, noma udinga imali imoto. Futhi uma asinayo kwaleli lungiselelo, lapho kunesidingo esiphuthumayo ukudala ethile imali, uzoba ukugcwala uma kunesidingo.