Ngaba yinyani ukuba imali ayinakuthenga ulonwabo?

Kukho i-cliché endala ethi: "Imali ayikwazi ukuthenga ulonwabo." Uphando lucebisa ukuba, ukuya kuthi ga kwinqanaba lomvuzo othile, imali inokuba nefuthe elihle kulonwabo lwakho. Kweli nqaku, siza kuntywila kwezinye iingxoxo kumacala omabini engxoxo.

Ngaba yinyani ukuba imali ayinakuthenga ulonwabo?

Xa kufikwa kumba wokuba imali inokuthenga ulonwabo na, kukho uphando oluninzi oluqhubekayo. Konke kuxhomekeke. Yimpendulo ekhathazayo, kodwa ayimangalisi. Imali inokusetyenziswa njengesixhobo. Ngokuqinisekileyo inokuba nefuthe kulonwabo lwakho xa isetyenziswe ngokuchanekileyo.

Kodwa akuyomfuneko ukuba ilwandise ulonwabo lwethu ngendlela esinethemba ngayo. Imali eninzi ayiyi kuphucula isimo sakho sengqondo, kwaye ukuthenga izinto ezininzi akuyi kukunika uvuyo olungakumbi.

Imali inokuthenga amava kunye nexesha, eliya kukuzisa ulonwabo. Ikwangunobangela ophambili woxinzelelo (kuquka noxinezeleko lwamatyala), uxinzelelo olunokuthi luthotywe xa sirhola ngokwaneleyo ukuze siphile kamnandi.

Iindlela Imali ayinakuthenga Ulonwabo

Iseyinyani intetho yakudala ethi imali ayinakuthenga ulonwabo. Imali ayikwazi ukulungisa yonke into, kwaye ngokuqinisekileyo kukho iindlela apho imali engakumbi ingasayi kukhokelela kulonwabo olungakumbi.

Imali ayinakuyitshintsha imo yakho

Isimo sakho sengqondo sinempembelelo enkulu kulonwabo lwakho, kwaye yinto engenakulungiswa yimali leyo. Ukuba ungumntu ongenanto yeglasi enesiqingatha ngaphandle kwemali eninzi, amathuba okuba umoya wakho uyafana naxa unemali.

Imali ayinakuthenga ubudlelwane

Eyona nto ibalulekileyo kubudlelwane Egqibelele Yiba ngokungaguquguqukiyo ulonwabo kwangaphambili. Xa sinabantu esibathandayo ebomini bethu, sitsho sonwabe. Kwaye ekugqibeleni, le yinto engenakuthengwa ngemali.

Ewe, unokuba nabantu abafuna ukuba nawe ngenxa yobutyebi bakho. Kodwa aziyi kuba lulwalamano lokwenene, yaye mhlawumbi aziyi kuzisa ulonwabo oluhlala luhleli.

Izinto eziphathekayo azisenzi sonwabe

Sisoloko sicinga ngezinto esinokuzithenga xa sifumana imali eninzi njengesipho okanye ukunyuselwa emsebenzini. Kodwa ezi zinto azincedi kangako ekusenzeni sonwabe.

Abantu abaninzi baneempahla ezintle okanye baqhuba iimoto ezintle, kodwa abonwabanga. Enyanisweni, abantu abaninzi basebenzisa ukuthenga njengendawo yokubalekela xa bengonwabanga, becinga ukuba kuya kubenza bonwabe ngakumbi. Kodwa ekugqibeleni, ayisebenzi.

Zininzi iindlela imali enokuthenga ngayo ulonwabo

Ungaphikisa ukuba imali ngokwayo ayibenzi abantu bonwabe. Kodwa uphando oluninzi lubonisa ukuba, xa uchithwa kwizinto ezifanelekileyo, imali inokuba nempembelelo enkulu kulonwabo lwakho.

Imali inokunciphisa uxinezeleko nolonwabo.

Ngokwezifundo, imali inokuba yi Eyona nto iphambili yoxinzelelo Kubantu baseMelika. Ikwangunobangela oyintloko woxinezeleko lomtshato noqhawulo-mtshato.

Ngoko akumangalisi ukuba ukuba nemali eninzi-ubuncinci ngokwaneleyo ukuba uphile kamnandi kwaye uphume kumjikelo wokuhlawula-kunokunciphisa uxinzelelo. Abantu banokonwaba ngakumbi xa bengaxinezelekanga.

Ixesha linokuthengwa ngemali

Noko ke, esona sipho sikhulu sinokuthengwa ngemali ixesha. Imali ayinakuthenga ulonwabo, kodwa inokuluthenga ngokungangqalanga. Noko ke, kunokonga ixesha ngokungangqalanga nabantu esibathandayo.

Ukuchitha ixesha kunye nosapho kunye nabahlobo kunokuchatshazelwa sisixa semali esiyifumanayo. Umntu ongafumani mvuzo waneleyo kumsebenzi wakhe wexesha elizeleyo ukuze ahlawule amatyala usenokunyanzeleka ukuba akhangele omnye umsebenzi, nto leyo ebangela ukuba achithe ixesha elincinane nentsapho yakhe.

Umntu onemali eyaneleyo akayi kukwazi ukufumana umsebenzi nje omnye; Kwakhona uya kuba nethuba lokuthatha ikhefu elingakumbi ukuze uchithe ixesha nosapho kunye nabahlobo.

Kunokwenzeka ukufumana ulonwabo ngokuthenga ixesha. Ngaba kukho nayiphi na imisebenzi edida ngakumbi? Le misebenzi inokuthi yenziwe ngaphandle, ivumele ukuba siphelise intlungu eyasenza singonwabi.

Imali ithenga amava

Uphando lubonise ukuba amava yindlela enamandla yokufunda Ubomi obonwabisa ngakumbi! Unokuba nezinto ezingakumbi. Ungasebenzisa imali eninzi ukonwabela amava afana neekonsathi kunye neminyhadala.

Zisenokungahlali ixesha elide njengezinto eziphathekayo, kodwa iinkumbulo zihlala ixesha elide kwaye zisenza sizive bhetele.

Ukunceda abanye ngemali kunokwenzeka

Ukuba unemali eninzi ekhoyo, kulula ukupha. Uphando lubonisa ukuba ukupha kunomvuzo ngakumbi xa unomvuzo olahlwayo Abona bantu bonwabileyo baxhasa abantu bakowabo ngemali. Yimali eninzi kunokuba bebeya kuyichitha bebodwa. Unokunika imali kwizinto ezibaluleke kakhulu kuwe.

Ngaba ujonge ulonwabo?

Abaphandi kwiYunivesithi yasePrinceton baphanda enoba imali inokuluthenga ulonwabo kusini na. Abaphandi bavavanya abantu abangaphezu kwama-450.000 ukukhangela unxibelelwano phakathi kwentlalontle yomntu ngamnye kunye nenqanaba lomvuzo wabo.

Abaphandi bafumanise ukuba imali iyayinyusa intlalontle yomntu ngokweemvakalelo, kodwa kwinqanaba elithile. Inokwandisa impilo-ntle yakho ngokweemvakalelo 75.000 nganye AñoImali eninzi ingcono kuwe.

Umvuzo ophantsi womntu ungaphantsi kweedola ezingama-75.000, kokukhona imeko yabo yeemvakalelo iba mandundu. Ulonwabo aluchatshazelwa kukufumana ngaphezulu kwee-R75.000 XNUMX ngonyaka.

Enyanisweni, eli nani alimangalisi kangako. Idatha yeGoBankingRates Umyinge wemali ekufuneka uyifumene ukuze uphile kamnandi e-US yi-67.690 yeedola. Umntu owenza i-75.000 yeedola ngonyaka unokuhlawula amatyala akhe kwaye abe nemali eyongezelelweyo yokuzonwabisa.

Nangona imali ingenakuthenga ulonwabo, inokukunceda ulufumane.

Omabini amacala anamanqaku awo amahle. Kakade ke, imali ngokwayo ayikonwabisi. Nokuthenga izinto ezininzi mhlawumbi akuyi kuba nako.

Imali sisixhobo nje. Ukuba isetyenziswe ngokuchanekileyo, imali inokukunceda ufezekise iinjongo zakho zemali kwaye wenze wonwabe ngakumbi.

Olu lonwabo lunokujongeka njengokuchitha ixesha elininzi nabantu obathandayo. Kwabanye, kukukhululeka koxinzelelo lokwazi ukuba akufanele ukhathazeke malunga neebhilikhwe zakho zifike emva kwexesha. Asiyomali ekwenza wonwabe, kodwa yindlela oyisebenzisa ngayo.

Funda ngakumbi malunga noku, kunye nezinye izinto ezingenakuthengwa ngemali.