Iingcebiso ezili-15 zokuLawula ezeMali emtshatweni

Umbhali: John Stephens
Umhla Wokudalwa: 1 Eyomqungu 2021
Hlaziya Umhla: 29 Isilimela 2024
Anonim
Iingcebiso ezili-15 zokuLawula ezeMali emtshatweni - I-Psychology
Iingcebiso ezili-15 zokuLawula ezeMali emtshatweni - I-Psychology

Umxholo

Ukuthetha ngezezimali nangomtshato yenye yezo zihloko zishushu ezithi zifumane iimpendulo ukusuka ku "Sisifundo esisiphephayo" ukuya kuthi "kuhlahlo-lwabiwo mali lwethu lwasekhaya lucace gca."

Izibini ezininzi zinemicimbi yezemali emtshatweni wazo; Ngapha koko, imali ikwindawo yesithathu kwizizathu zokuba abantu abatshatileyo baqhawule umtshato emva kwemicimbi yokunxibelelana nokungathembeki.

Imali ayifanelanga ukuba ibe yingcambu yazo zonke izinto ezimbi, ngakumbi umtshato wakho. Ukuba wenza umsebenzi wokuqala, unokuba yinkosi yokulawula imali emtshatweni.

Ungalawula naziphi na iingxaki ezinxulumene nemali ezinokuthi zenzeke emtshatweni wakho okanye emva komtshato.

Nantsi indlela yokugcina iingxabano malunga nezemali ubuncinci, ukuqala ngokwenza umthambo ngaphambi kokuba uthi "ndiyayenza."


Ukufunda okuhambelana: Iindlela ezi-6 eziphambili zokuLawula ukungaboni ngasonye emtshatweni

Iingcebiso ezili-15 zokulawula ezemali emtshatweni

Imali sisihloko esintsonkothileyo kwizibini ezitshatileyo. Kuza kunceda ukuba bazama ukuqonda ukuba zeziphi iindlela ezifanelekileyo zokuphatha imali emtshatweni. Abanye abantu babetha umqobo xa kufikwa ekulawuleni iimali njengesibini. Nazi ezinye iingcebiso eziza kukukhokela kulawulo lwezezimali emtshatweni.

1. Qala ukuthetha ngemali ngaphambi komtshato

Ungakwenza oku ngokuzimeleyo, kodwa ukuba uthatha inxaxheba kwiingcebiso ngaphambi komtshato, vumela umcebisi wakho akhokele le ngxoxo.

Uya kufuna ukuwaxela amatyala osele unawo, anje ngomfundi, imoto, imali mboleko yasekhaya, kunye namatyala ekhadi letyala.

Ukuba lo ayingowomtshato wakho wokuqala, yabelana neqabane lakho nakuphi na ukonyuselwa kunye noxanduva lokuxhasa umntwana onalo. Nceda uthethe ngeakhawunti yakho yebhanki kunye nezinto ezikuyo: ukukhangela, ukugcina imali, utyalomali, njl.

Yenza isigqibo ngendlela yokulawula iimali emva komtshato, ukwahlula iiakhawunti, okanye zombini?


2. Vavanya ubudlelwane bakho nemali

Ngaba wena neqabane lakho ninemibono eyahlukileyo ngemali?

Ukuba awuhambelani nendlela ocinga ukuba imali yakho mayisetyenziswe ngayo (okanye igcinwe), kuya kufuneka usebenze ekufumaneni inkqubo yokulawula ezemali eyanelisa nobabini.

Mhlawumbi uthathe isigqibo malunga nomda wokuchitha, yithi $ 100.00, kwaye nayiphi na into engaphezulu kwelo mali ifuna ukuvunywa kwangaphambili ngaphambi kokuba kuthengwe into.

Ukuba ukhetha ukungakhi isivumelwano ngokuthenga okukhulu, unokufuna ukugcina ii-akhawunti "ezimnandi" ezixhaswe nguwe, ezinokusetyenziselwa xa ufuna into ngokwakho, enje ngempahla okanye umdlalo wevidiyo.

Oku kunokunceda ukunciphisa iingxoxo kuba awusebenzisi mali kwimbiza eqhelekileyo.

3. Sebenzisa amakhadi etyala endaweni yamakhadi etyala ngenkcitho

Ngaba iya kwenza umahluko kwindlela uhlahlo-lwabiwo mali olulawulwa ngayo ukuba imivuzo yakho yahluke kakhulu? Ngaba omnye wenu uziva eneentloni ngendlela oyisebenzisa ngayo imali yakho?


Ngaba wakha wafihla nakuphi na ukuthengwa okanye wangena kwimali eninzi yamatyala ngenxa yokuchitha ngaphezulu? Ukuba kunjalo, mhlawumbi ukusika amakhadi akho etyala kunye nokusebenzisa kuphela amakhadi etyala kwenza ingqiqo yezemali kuwe.

4. Chaza iinjongo zexesha elifutshane kunye nexesha elide kwimali yakho

Nobabini kufuneka nivumelane ngokugcina umhlala-phantsi kunye nokuseka ingxowamali engxamisekileyo kwimeko yokuphulukana nomsebenzi. Ungathanda ukufaka malini kwiakhawunti yokonga inyanga nenyanga?

Xoxa ngendlela onokuthi ulondoloze ngayo ukuthenga kwakho ikhaya lokuqala, uthenge imoto entsha, okanye iholide, okanye ipropathi yotyalo-mali.

Ngaba uyavuma ukuba ukuseka ingxowa mali yekholeji yabantwana bakho kubalulekile?

Phinda ujonge iinjongo zakho zexesha elifutshane kunye nexesha elide ubuncinci kube kanye ngonyaka ukuze ukwazi ukubala kwaye uphonononge ukuba ngaba ezi njongo ziye zavela (okanye, kungcono kodwa, zidibene!).

Ukuba uyayifuna, khangela ingcebiso yezemali kubantu abakwaziyo.

5. Xoxa ngegalelo ekuxhaseni abazali

Nceda uthethe ngegalelo lakho ekuxhaseni abazali bakho, ngoku nakwixesha elizayo, xa iimfuno zokhathalelo lwempilo zabo ziya kunyuka.

Yiba selubala xa "upha" ilungu losapho lwakho ngemali, ikakhulu ukuba elo lungu losapho lixhomekeke kwisisa sakho kunokufumana umsebenzi ngokwalo

Qiniseka ukuba iqabane lakho liyazi kwaye liyavumelana neli lungiselelo.

Xoxa ngeemfuno zabazali abalupheleyo kunye nokuba ungavuma ukusisondeza kufutshane nawe okanye nasekhaya. Oku kuya kuyichaphazela njani imeko yakho yezemali?

6. Gqiba ngamalungiselelo ezemali abantwana

Zithini iingcinga zakho malunga nezibonelelo? Ngaba abantwana bafanele ukuhlawulwa ngemisebenzi enegalelo ekuqhubeni kakuhle kwendlu? Xa bebadala ngokwaneleyo ukuba bangaqhuba, ngaba kufuneka banikwe imoto, okanye bayisebenzele?

Ngaba abakwishumi elivisayo kufuneka basebenze isigxina ngelixa besesesikolweni? Kwikholeji? Ngaba kufuneka bancedise ukufaka isandla kwizifundo? Thatha imali mboleko yomfundi? Kuthiwani xa sele bephumelele eyunivesithi?

Ngaba uya kuqhubeka nokubavumela ukuba bahlale ngaphandle kwirente ekhaya? Unganceda ukurenta indlu yabo yokuqala?

Zonke ezi zihloko zilungileyo zokuxoxa neqabane lakho kwaye niphinde nibuyele njengoko abantwana bekhula kwaye nemeko yezemali itshintsha.

7. Xoxa ngeendleko ukuba liqabane elinye kuphela elamkela umzi

Ukuba nomntu omnye ekhaya-umlingane kunye nomvuzo omnye ngamanye amaxesha kungakhokelela kwingxabano yemali, njengoko abo bafumana umvuzo banokuziva ngathi banelizwi elininzi kwindlela yokulawula iimali emva komtshato kusapho.

Yiyo loo nto kubalulekile ukuba umntu ohlala ekhaya abenomsebenzi apho eziva elawula imali.

Kukho amathuba amaninzi okuhlala-ekhaya-abatshatileyo ukuzisa imali encinci: ukuthengisa kwe-eBay, ukubhala ngokuzimela, ukufundiswa kwangasese, ukunakekelwa kwabantwana ekhaya okanye ukuhlala kwezilwanyana, ukuthengisa ubugcisa babo kwi-Etsy, okanye ukuthatha inxaxheba kwi-intanethi.

Injongo kukuziva ngathi nabo bathatha inxaxheba kwimpilo yezemali yosapho kwaye banemali yabo yokwenza njengoko bathanda.

Owamkela umvuzo kufuneka aqaphele igalelo lalowo ungaholiyo. Bagcina indlu kunye nosapho bebaleka, kwaye ngaphandle kwalo mntu, umntu ofumana umvuzo kuya kufuneka ahlawule umntu ukwenza oku.

8. Yiba nobusuku bemali inyanga nenyanga

Ukulawula imali njengesibini kunokujongeka kuyinto elula ekufuneka igcinwe, kodwa yingxoxo eqhubekayo. Ulawulo lwezezimali emtshatweni kufuneka lube sempilweni.

Ke ubeke ixesha elithile qho ngenyanga ukugcina umkhondo wokonga kunye nenkcitho yakho. Ungaxoxa ngeendleko ezongezelelweyo kwixa elizayo, okanye kufuneka wongele into kwixa elizayo.

Xoxani ngayo yonke into kwaye niqiniseke ukuba nobabini nithetha ngayo ngokuphandle. Oku kuya kukunceda ekulawuleni iimali emtshatweni.

9. Ukuba kuyimfuneko, cela iingcebiso ngezemali

Oku mhlawumbi yenye yezona ngcebiso zibaluleke kakhulu kwizibini ezitshatileyo. Kuya kuba luncedo ukuba uyaqonda ukuba umtshato wakho uhlala uza kuqala, kwaye ukuba kukho ingxaki kwimali yesi sibini, kuya kufuneka ukhangele iingcebiso kwiingcali.

Masithi ufuna iingcebiso ngolawulo lwemali okanye udidekile ngendlela yokulawula imali emva komtshato. Kwimeko apho, abacebisi abaninzi bezemali babonelela ngeengcebiso ngezemali kwizibini ezitshatileyo.

Unokufumana enye kwaye ukhangele iingcebiso zezezimali kwizibini ezitshatileyo.

10. Sukugcina iimfihlo zemali

Utshintsho lwezezimali emva komtshato kunokuba ngumceli mngeni, kodwa kuya kufuneka wazi ukuba ukugcina iimfihlo zemali kunokuqhuba umtshato wakho ungene emngxunyeni omnyama.

Abantu abaninzi bayazifihla iiakhawunti zabo zokonga, iindleko zekhadi letyala, ukujonga iiakhawunti, njl njl.

Kungcono ukuba ube selubala malunga nemali emva komtshato. Iya kugcina umtshato wakho uqinile kwaye ikuncede nakhe ikamva eliqaqambileyo kunye. Iimfihlelo ziyingxaki xa kufikwa kumba wokulawulwa kwemali emtshatweni.

Ukufihla iimali kuphakamisa imiba yokuthembana emtshatweni kwaye kunokuba yityhefu kubudlelwane.

Ukufunda okuhambelana: Ukuxoxa ngezeMali kunokuNceda njani ukuthintela ukungqubana emtshatweni

11. Yazini indlela yokusebenzisa imali yomnye nomnye

Kungcono ukwazi ukuba iqabane lakho ligcina imali okanye lichitha. Elinye lawona macebiso aqhelekileyo ezemali kwizibini ezitshatileyo kukwazi ukuba ngubani phakathi kwabo oyigcinayo ipenny kwaye ngubani ochitha imali. Kuyanceda ukulawula iimali zakho ngokufanelekileyo.

Ungayilawula ngokulula imali emtshatweni ngokuza nesivumelwano esigcina sonwabile nobabini.

Unokuba nomda weendleko ongaziva ngathi uthintelo kwelinye iqabane.

Ukuba unengxaki yokuza nesivumelwano esanele iimfuno zezemali zakho kunye neqabane lakho, kuya kufuneka ujonge uncedo lobuchwephesha.

Ukufunda okuhambelana: Ngaba ukuSebenzisa kweqabane lakho kukuchaphazela kangakanani?

12. Yeka izinto ezidlulileyo, kwaye ucwangcise ikamva

Mhlawumbi iqabane lakho lenze into embi ngaphambili, kodwa kufuneka uqonde ukuba ngamanye amaxesha abantu benza izigqibo ezingalunganga. Nobabini ninokulujonga kwakhona utyalo-mali lwenu kwaye nabelane ngeengcebiso kulawulo lwemali.

Sebenzani xa nicwangcisa ikamva lenu lezemali kunye. Oku kuyakuphakamisa umoya weqabane lakho kwaye kuncede bajolise kwiinjongo zezemali kunye neethagethi.

Uninzi lwabantu luthandabuza izigqibo zemali zamaqabane abo ngaphandle kokuzijonga ngokwabo. Kuya kuba luncedo ukuba uyaqonda ukuba kukho ingxaki okanye akunjalo, kwaye ukuba ikho, uphathe lo mbandela ngobunono.

13. Sukugqithisa ukusebenzisa uhlahlo-lwabiwo mali

Ukulawula imali emtshatweni kunokuba nzima, ngakumbi xa omabini amaqabane enomthombo wengeniso ozinzileyo. Ngamanye amaxesha izibini azicwangcisi ikamva eliqaqambileyo kuba ziziva zinamandla ngokwasemalini kwaye zithathe isigqibo sokuya ngaphezulu.

Xa ulawula imali emtshatweni, awuthathi zigqibo zokuchitha inkathazo eya kuxina ubudlelwane bakho.

Forex: Abantu bahlala bezolula ukuthenga ikhaya labo lamaphupha, kwaye isixa esikhulu semivuzo yabo siya kukuxhasa.

Sukwenza iimpazamo ezinjalo ngelixa ulawula imali emtshatweni.

14. Jonga ukuthengwa kwempembelelo

Ukuba nikulungele ukuphatha imali njengesibini, kuya kufuneka nenze zonke iindleko ezinkulu kunye, njengeemoto, izindlu, njl.

Ngamanye amaxesha abantu bachitha imali eninzi kwimpembelelo kwaye bacinge ukuba bangothusa amaqabane abo bafumanise ukuba sisigqibo esingalunganga.

Iqabane lakho akufuneki livakalelwe kukuba liphulukene nolawulo lwezemali kolu lwalamano. Ukubashiya ngaphandle kwesigqibo esikhulu semali kunokukhokelela kumtshato wakho kwingxaki.

Iimpikiswano ezinkulu zinokwenzeka ukuba uchitha imali eninzi ngaphandle kokubonisana neqabane lakho. Lelinye lawona macebiso mahle kwizibini ezitshatileyo onokuzifumana.

Yise kude

Niliqela elilinganayo, kwaye nokuba omnye kuni usebenza ngaphandle kwendlu, niyasebenza nobabini.

Ukuvavanya ezemali emtshatweni wakho kunokuba yindawo ebuthathaka, kodwa eyona nto unokuyenza kukuthetha phandle, uthembeke, kwaye uzinikele kunxibelelwano oluqhubekayo ngalo mbandela.

Qalisa umtshato wakho unyawo lwasekunene ngokuthetha ngobugosa obufanelekileyo bezemali kwaye uza nesicwangciso esifanelekileyo sokujongana nohlahlo-lwabiwo mali, inkcitho kunye notyalo mali.

Qonda ukuba yintoni ekufuneka yenziwe malunga nemali emva komtshato ukugcina ubomi bakho bonwabile kwaye banelisekile.

Ukuseka imikhwa elungileyo yolawulo lwemali kwasekuqaleni emtshatweni wakho yinxalenye yobomi obusempilweni, obonwabileyo nobuzinzileyo ngokwezezimali kunye.