7 Imiba eNkulu yeMali emtshatweni

Umxholo

• 1. Imali yam, isimo sakho semali
• 2. Ityala
• 3. Iintengo ezinkulu
• 4. Utyalo-mali
• 5. Ukupha
• 6. Ukugcina
• 7. Uhlahlo lwabiwo mali qho ngenyanga

Imali yingxaki endala onayo imitshato echaphazelekayo ixesha elide.

Ngokophando, ukuphikisana malunga Imali yeyona nto iphambili kuqhawulo-mtshato, ngakumbi xa ezo mpikiswano zisenzeka kwasekuqaleni emtshatweni. Izibini zihlala zijamelana neengxaki zemali emtshatweni.

Nangona eminye yale mitshato ingapheli ngoqhawulo-mtshato, kuhlala kusiliwa malunga neengxaki zemali. Olu xinzelelo luhlala lubulala nantoni na eyonwabisayo isibini esinayo kwaye sijike umtshato ube ngamava amuncu.

Kuxoxwa apha zezinye zezinto eziphambili emtshatweni kunye neendlela zokuthintela imali ekuchitheni umtshato wakho okanye amanyathelo ngendlela yokuhamba ngayo.

Imiba yezemali emtshatweni

Masiqonde ukuba yeyiphi eyona micimbi iphambili yokubulala umtshato kunye nendlela yokujongana nayo nganye ngobuchwephesha, ngaphandle kokonakalisa umtshato wakho.

1. Imali yam, isimo sakho semali

Xa wawungatshatanga, nokuba yeyiphi na imali owawuyisebenzisa wayisebenzisa ngendlela ofuna ngayo.

Emtshatweni, kufuneka uhlengahlengise, ngoku ungomnye kwaye ngenxa yoko enikwenzayo nobabini ngoku yimali yosapho, nokuba ngubani owenza ngaphezulu komnye.

Umtshato ufuna utshintsho olukhulu, kodwa kubalulekile ukuba wenze oku.

Ezinye izibini zivula iakhawunti ngokudibeneyo kwaye ezinye zisebenza ngeakhawunti eyahlukileyo. Ayinamsebenzi; okubalulekileyo kukuba selubala, ukuthembeka nokuthatha uxanduva.

Oku kuthetha ukuba iakhawunti eyimfihlo ayikho kumbuzo.

2. Ityala

Esi sesinye sezizathu eziphambili zokuba izibini zilwe.

Kukho abantu abatshatileyo abanamatyala amaninzi kwaye kubi nangakumbi, ngamanye amaxesha amaqabane abo awazi kwawona matyala.

Xa utshata, imali iba yinto edibeneyo, Oko kuthetha ukuba nawaphi na amatyala obuqu aba li tyala elidibeneyo. Kule meko, nobabini kufuneka nihlale phantsi kwasekuqaleni komtshato wenu kwaye nidibanise amatyala enu.

Yibhale phantsi- ngubani omtyala imali kwaye ungakanani? Yiya phambili kwaye ubhale amaxabiso wenzala nganye yezo mboleko.

Umzekelo -

Xa sitshatayo, bendinemali mboleko yomfundi kwiintsuku zam zekhampasi.

Siye sahlala phantsi senza iqhinga lokuba siza kubhatala malini ngenyanga kwaye ngoku, sigqibile ukubhatala.

Ngamanye amaxesha kuyakufuneka uboleke.

Kwenye indawo uza kufumana ireyithi esezantsi kwaye uhlawule enye enamaxabiso aphezulu. Ityala ekuphela kwalo ekufuneka lithathe ixesha elide kukubambisa ngento kwaye oku kufuneka kuhlawulwe kwiishunqu ezinkulu xa kunokwenzeka.

Ngoku, amakhadi etyala akunguye.

Umbono apha kukuba nihlangane ngamatyala kunye kwaye ngokuqatha. Ukuba iqabane lakho liboleka imali ngaphandle kwemvume yakho, leyo yingxaki kwaye kuya kufuneka ujongane nayo.

3. Iintengo ezinkulu

Izinto ezibiza imali eninzi kufuneka zixoxwe kwangaphambili. Olu luhlu lususela kwiimoto ukuya kwi-elektroniki.

Njengesibini, kufuneka Beka ikepusi ngaphaya apho kufuneka uxoxe ngokuthenga. Oku kuyakukunceda ugcine ngakumbi ngokunqanda iimeko apho iqabane lakho liphumile lathenga ifriji lingakuxelelanga.

Inqaku eliphakanyiswe apha 'umtshato ngumanyano. ' Ukuxoxa ngokuthenga kukuvumela ukuba ubone ukuba uyayifuna na, Ingaba iza kubiza malini kwaye unako ukuyifikelela kwaye iindawo onokufumana kuzo isaphulelo.

Umzekelo -

Emva kweminyaka emi-3 sitshatile, sathenga umabonwakude kwinyanga ephelileyo. Ndiyakhumbula sithethile ngayo okwethutyana kwaye sobabini sijongile malunga nezivumelwano ezilungileyo.

Njengoko bekuvunyelwene, imali siyibekele bucala yexesha esiza kuthenga ngalo umabonakude.

4. Utyalo-mali

Ukhetho lotyalo-mali kunye nemali oza kuyityala nayo kufuneka ixoxwe.

Ukuba akukho namnye kuni okwicandelo lezemali okanye ongaluqondiyo ukhetho lotyalo-mali, ninako kufuneka usebenze nenkampani iyayenza. Nokuba ufumana inkampani yokwenza, nobabini kufuneka yazi ukuba iphothifoliyo yakho iqhuba njani.

Nokuba yeyiphi izigqibo malunga nokongeza okanye ukunciphisa utyalomali lwakho kufuneka kuxoxwe ngokudibeneyo.

Umzekelo -

ukuba ufuna ukuthenga umhlaba, kungakuhle ukuba nobabini niye kuhlola umhlaba kwaye nibe nenxaxheba kuyo yonke inkqubo yokuthenga.

Oku kuyakuthintela umlo ekutyalomali kwinto iqabane lakho eliyibona ikukukhetha okungalunganga.

5. Ukupha

Le intekenteke ebandakanya ingxoxo eyiyo ngalo lonke ixesha kukho isidingo.

Umzekelo -

Mna nomyeni wam sihlala phantsi yonke inyanga kwaye, njengoko sisenza uhlahlo-lwabiwo mali, sixoxa ngazo zonke ezizayo kwinyanga ezayo ezinje ngenkxaso kubahlobo okanye kusapho olongezelelweyo.

Oku kuthintela umntu omnye ekuziva ukuba usapho lwakhe alukhathalelwanga. Siya kwinqanaba elingaphaya, nanini na xa sithumela imali kusapho lwam, umyeni wam uyayithumela kwaye ndenza okufanayo nakwintsapho yakhe.

Isenzo esinjalo sibazisa ukuba sikwiphepha elinye kwaye akukho nto ithi "lusapho lwam". Ikwabeka iqabane lakho ekukhanyeni okuhle nolunye usapho.

Nangona kunjalo, xa kufuneka sithi hayi kwizicelo zemali (kuba ngamanye amaxesha kuya kufuneka) umntu ngamnye athethe nosapho.

Oku kuphinda kuthintele iqabane ngalinye ukuba lingajongi kakubi kubasebukhweni.

6. Ukugcina

Kuya kufuneka ubeke ecaleni ingxowamali engxamisekileyo kwaye wongele ikamva.

Kuya kufuneka ugcine kunye neeprojekthi zosapho (ukuthintela ityala) njengeefizi zesikolo zakho kunye / okanye abantwana. Ngalo naliphi na inqanaba elinye kufuneka nobabini nibenolwazi ngemali eniyigcinileyo. Ngubani ekufuneka ephethe imali?

Kweli hlabathi, kukho abachithi kunye nabagcini.

Isilondolozi sihlala songa imali kwaye silungile ekucwangciseni imali. Kwezinye iintsapho ngumyeni kwaye kwezinye, ngumfazi. Kwezethu, ndingumgcini-mali ke ngoko ndiyiphatha imali yethu-emva kokuba siqingqile inyanga nenyanga.

Xa utshatile, ngoku uliqela kwaye kwiqela, umntu ngamnye othatha inxaxheba unamandla kunye nobuthathaka. Umbono kukwabela imisebenzi ehambelana namandla omntu ngamnye.

7. Uhlahlo lwabiwo mali qho ngenyanga

Uya kuqaphela ukuba kuyo yonke le post ndithethile ngokuba kwiphepha elinye kuyo yonke imicimbi.

Ukwenza uhlahlo-lwabiwo mali kukuvumela ukuba uxoxe ngengeniso yenyanga nenyanga, inkcitho kunye nenkcitho.

Uhlahlo-lwabiwo mali lwezinto ezinje ngesiqhelo njengokutya isidlo sangokuhlwa ngobusuku bomhla. Ukuba umntu ngamnye uhlala efumana isibonelelo, eli lixesha elihle lokuba usinike.

Emva kohlahlo-lwabiwo mali, yenze icace ukuba ngubani oza kuhlengahlengisa ukuba yeyiphi na imali engahlawulwanga. Gcina incwadi okanye usebenzise iphepha eligqwesileyo ukuze uhlale ujonga ngasemva kwaye ubone indlela oyisebenzisa ngayo imali yakho. Iya kukubonisa nayiphi na imikhwa emibi kunye neendawo zokwenza ngcono.

Abantu ababini banokwenza okuninzi kunye; ngaphezu kwakhe nawuphi na umntu.

Oku kuyinyaniso nokuba imali. Ukuba unokufumana indlela yokutsala bonke oovimba bakho kwaye ubadlulisele kwiindawo oxoxe ngazo kwaye wavuma, uyakumangaliswa zizinto oza kube uziphumezile kwiminyaka embalwa.