Kanjani ukuze ufunde ukuze ulondoloze imali kwesokudla

Ukushoda okukhulu noma ezingamahlalakhona imali ngezikhathi osebenza ku cishe sonke. Befuna indlela yokuphuma ke siyabuza imali kubazali bami, thina ukuboleka abangane, thatha loans yasebhange nokunye. N. Kulokhu, inkinga isixazululiwe okwesikhashana, kodwa imbangela yayo uhlala ingashintshiwe. Kuyini ukuthi isizathu? Iqiniso lokuthi izindleko zethu ozama idlule izimali, kungakho ukuswela imali. Izikweletu, ezikhulayo inchubekelembili yejeyomethri, ukucindezeleka, ixhala nesifo semizwa ongaphakeme, sesha necala - isizathu esanele ukuze ucabange indlela ukufunda ukuze ulondoloze imali. Yini okudingeka uyenze ukuze ube naso esanele hhayi kuphela izidingo zansuku zonke, kodwa futhi ku imigomo yesikhathi eside, phezu ukwaneliswa kwezifiso zokusungula, benesimo ezibonakalayo?

Kungani wonge imali

Cishe, usunayo ezinye izinhlelo ezithakazelisayo ukuthengwa lutho kwezindleko. Mhlawumbe lena yiyona ndlela imoto entsha, endlini enhle, usule izinto zikagesi eziphezu omusha endlini, ifenisha ezibizayo, umgexo idayimane noma uhambo phesheya. I ngokucace kakhudlwana futhi ngokukhethekile umgomo wakho, kuba lula ukuba athuthele. Ake usibone ngeso lengqondo umgomo wakho ngangokunokwenzeka, zicabange ukulesi ke: .. Ushayela imoto, e zivakashele, njll kubalulekile ukuba dream! Igoli lakho ngeke ufinyelelwe uma ungenawo setha lwezikhathi ecacile ngoba. Yenza uhlelo lokonga futhi uyigcine phambi kwamehlo akho, uqaphela izinyathelo ukuthi sezivele zenziwe, zibabaza intuthuko. Ngaphezu amaphupho amnandi, ngenhloso yokonga bakho bangaba a imigomo ebaluleke kakhudlwana ekuphileni, ezifana ekudaleni umcamelo zezimali ngoba izimo ezingalindelekile impesheni ukonga unyaka evikelekile ubudala, ukonga for imfundo yezingane.

Kuphi ukuthola imali imali

Imali imali ithathwe endaweni efanayo futhi usekelwa izindleko zakho nsuku zonke: inkokhelo futhi engenayo esuka okwabo. Uma umholo wakho anqunyelwe inkokhelo, bese usetha ngokwakho kumaphesenti athile ukuthi ubeke eceleni in a "piggy bank". Lokhu kufanele kube inani ngeke kukwenze ukungakhululeki eside futhi abe nomuzwa wokuthi uzithola zonke abanobandlululo. Uma inzuzo kusukela ibhizinisi - umthombo wakho oyinhloko wemali, ungakwazi futhi usethe iphesenti noma njengoba iqondiswe kwabo ekuqongeleleni imali ezithize inyanga ngayinye. Okuncane kufanele sibekelwe okungenani ku-10% wemali kanye nezinye imali. Prakthiza ebonisa ukuthi uma ungenawo ubeke eceleni ingxenye izimali zakho ngokushesha kokufika kwabo, ekupheleni kwenyanga ukuthumela esilondolozini usuvele kuyodingeka lutho, konke kuzoqhubeka izindleko ophilayo. Uma kungenzeka, kungenzeka uyephuza nokuningi - 20-30% wesabelo. ngokukhethekile kufanele ubukeza imali yakho maqondana ukunciphisa yabo, kodwa lokhu isihloko ukuze uthole enye ingxoxo. Uma ufuna ukulondoloza ngaphezulu, funa imithombo eyengeziwe imali. Nokho, lapho abaniniyo nomholo zakho isabalalise, isb. E. Made kuze imali oxubile ke ukulahlekelwa omunye wemithombo izinga lakho lokuphila uzohlupheka kancane.

Ugcine kuphi isitoreji

Indlela elula amancane ukubaluleka ezuziwe - ezimvilophini abavamile. Uma imisiwe ngezinhloso ezimbalwa, ezimvilophini kuyoba eziningana - ngenxa yokuthi isibalo sabo. Inzuzo le ndlela kuyinto alula. Kodwa uma amandla akho sincane kakhulu, bese le ndlela ngeke isebenze, kukhona njalo nesilingo sokuvumela 'thatha kancane. " Uma ugcine up for kokuthenga izinto ezinkulu (.. Imoto, efulethini, njll), indlela engcono kakhulu imali - idiphozi ebhange. Futhi akufanele kube ikhadi lasebhange, ngawo ungakwazi kalula ukuhoxisa akhawunti imali kanye idiphozi. Hamba emhlabeni amabhange ezizungezile futhi Khetha idiphozi term. Kuye imigomo yakho, kungaba izinyanga eziyisithupha, ngonyaka owodwa, iminyaka emithathu, futhi abanye. Lokhu idiphozi kufanele ukwazi gcwalisa futhi kwezimo ezingezinhle for ekunqanyulweni ekuseni. Lapho lo mthethosivivinywa kufika ezingeni wezinkulungwane zamakhulu ruble, udinga ukuthi ucabange ngalokhu diversification: ukuvula ama-akhawunti ambalwa e amabhange ezahlukene, i-akhawunti izimali zakwamanye amazwe, uqale ukutshala imali e-mutual funds, njll Akuseyona ukwenza ngaphandle Umeluleki wezezimali .. It akufanele kokulondoloza, uma ufuna ukukhulisa ukusebenza izimali zakho. Uma ahlele sengqondo ukheshi ngendlela elula kangaka, ngeke ukwazi ukuthi ukufunda ukonga imali, okwagcina kuzokuvumela ukuba bafinyelele inkululeko ngokwezimali futhi ukuletha ukwaneliswa kwezifiso zokusungula yakho. Ukuphupha ngani na?