Ukwazisa: Kutheni Umele Ulungelelanise Imali?

Imali elungiselelwe kakuhle yenza okungaphezulu kunokuqokelela imali — iyalukhulisa uluntu, ibangela uluvo lomntu okhoyo, kwaye idala ulwalamano oluhlala luhleli phakathi koncedo lwengingqi kunye nabantu ekuyo. Ukuba ungumququzeleli onobuchule okanye ungumvolontiya wokuqala, inkqubo ifuna ubuchule, unxibelelwano olucacileyo, kunye nokubulala ngononophelo. Le ndlela igubungela inyathelo ngalinye elibalulekileyo, ukuchaza usukelo lwakho lokubulela abanikeli, ngoko ke ungenza isiganeko esinempembelelo yokwenene.

Inyathelo 1: Zibekele Usukelo Olucacileyo Nolunokufikeleleka

Ngaphambi kokuba uqale ukuceba, kufuneka ujoliswe kwixhoba eliqinisekileyo. UVague ujolise “kukusetyenziswa imali” okanye“anceda abanik ’ intsebenziswano” akazukukhokela kwizigqibo zakho. Endaweni yoko, chaza iinjongo ezicacileyo, ezinokuthanani nothumo loncedo kunye namandla akho.

Chaza Injongo Yakho Eyintloko

Zibuze: Ngaba eyona njongo ingundoqo yokunyusa iminikelo, ukutsala amatshatsha okuzithandela, okanye ukwandisa uphando lukawonke-wonke? Abaninzi abanempumelelo kwimali badibanisa iinjongo ezimbini okanye ezintathu, kodwa kufuneka umisele enye. Umzekelo, uthengiso lungajolise ingqalelo kuyo yombini iminikelo nokubonakala kwasekuhlaleni, lo gama intengiso engenanto [ ingenziwa ingeniso enkulu.

Misela umlinganiselo wemali

Ukuba uphakamiso lwemali luyinto ephambili kuwe, cwangcisa ixhoba elifanelekileyo elisekelwe kwimithombo yakho, elilindelekileyo, kunye neemfuno zoncedo. Yaphula: Mangaphi amatikiti ofuna ukuwathengisa? Sisiphi isixa somnikelo omele usiphumeze? Sebenzisa iziganeko zexesha elidlulileyo njengesiseko ukuba zikhona. kwimirhumo ye-appline[FL:1], amaqonga afana ne GoFoundMe okanye i-Facebookeraers anikezela ngezixhobo zokuqhuba ingoma ngexesha lokwenene.

Uququzelela Usukelo Olungenazinjongo

Ingxowa-mali ikwaqinisa amaqhina oluntu. Beka iinjongo zokudibanisa amatsha ngeempawu zomsebenzi wobunyani, amajelo eendaba athetha, okanye abakhuphi bee-imeyili abatsha. Umzekelo, zimisele ukuqokelela amatsha amatsha angama-20 okanye uqokelele amakhadi esiqinisekiso ali-100 asayiniweyo. Ezi -millimeters zikunceda ukuba ulinganise ukuganana ixesha elide — hayi impumelelo yobusuku obunye.

Inyathelo 2: Khetha udidi olufanelekileyo lwemali

Indlela entle efana neyobaphulaphuli, uqingqo-mali, nemisebenzi yesebe elinikela uncedo. Ngeli ngezantsi kukho iintlobo ezithandwayo ezinokusetyenziswa kakuhle namatyala abo.

Iziganeko zoLuntu

Ifairs, iikonsathi, amatheko, amatheko okuvala, kunye nemithendeleko yenza umoya owenzelwe ukutsala iintsapho nabamelwane. Zisebenza kakuhle kwi- imibutho ekhoyo apho kuhlala khona enesibheno esikhulu ebutho labantu, njengeebhanki zokutya, iikhusi zezilwanyana, okanye iinkqubo zolutsha. Ingeniso ivela ekuthengisweni kwamathikithi, ekutyeni nasekuseleni, iimali zomsebenzi, kunye nemali yokuxhasa. Ezi ziganeko zifuna isiseko esikhulu nentlawulo lokuzithandela — abathengisa, kunye ne-inshorensivers — kodwa zingenza uvutho olubalulekileyo neminikelo.

Iphulo lokusebenzisa i-intanethi kunye no-Joel-iProjekthi

Abaxhasi bemali bavumela abaxhasi baqokelele iminikelo kwimibutho yabo yobuqu. Izakhono ezifana ne ngokuphandle, Ilungile[, okanye [[[FLT]] i-Denhove [[FLT]] [[FLT]] ivumela umiselo nolwabelano olulula. Olu hlobo lulungele iinjongo zobukho obunamandla kwi-intanethi okanye xa kuthe kwakho iintlanganiso. Amaphulo-ontanga-to-peer aphantsi kwemali kwaye anokufikelela kubaphula-mphula-mdla, kodwa axhomekeke kakhulu kwimibutho yakho yemibutho yemibutho yemibutho kunye nento ethetha ngayo. Ukuzilungiselela ngesikhokelo kunye neentshulo zazo.

Iingcebiso ezithuleyo

Indwendwe zithelekisa izinto ezinikelweyo okanye amava nge-app okanye ngephepha lokufaka ipesenti. Intengiso ezithuleyo zigqibelele ngokunyusa iimali ezinkulu kubaphulaphuli (umz., abaxhasi bezobugcisa, abaxhasi benkampani) kwaye zingadityaniswa ne-gla okanye iyure yesidlo sesidlo sangokuhlwa. Isitshixo sikhuthaza izinto eziphezulu — iipakethe, iposi, izifundo zabucala — ezikhuthaza ukhuphiswano. I-makhwetha elungileyo ifuna iqela elinikezelweyo kunye nenkqubo yokuhlola i-Evalson.

Impatho Ibaleka, Ihamba, Neziganeko Ezibuhlungu

Enoba luyolo lwe-5K olusetyenziswayo, umqolo ojikelezayo, okanye umdyarho weyoga, iziganeko zomzimba zikhuthaza abathathi-nxaxheba ukuba baqokelele izifungo baze basebenze. Zisebenza kakuhle kwingeniso yempilo enxulumene nengeniso, izikolo, kwaye zibangela ukuba kubekho impumelelo. Iindleko zokungena ezifanelekileyo kunye nethala leenqanawa ezixhasayo zingahlawula iindleko, ngelixesha abathathi-nxaxheba benyusa imali kubahlobo kunye nentsapho. Sebenzisa ixesha lee-cps, iibhodi zobunkokeli, kunye nokusebenzisana kwentlalo.

Iziganeko zobuGada kunye neMidlalo

Isidlo sangokuhlwa esiphezulu nesithethi esicociweyo, ukuzonwabisa, kunye nentengiso zitsala abantu abanikelayo abaxabisa ukusetyenziswa kwemali eninzi. Ezi ziganeko zinika intsebenziswano kwaye zibiza imali eninzi ukuvelisa, kodwa zinokuvelisa iminikelo emikhulu zize zomeleze ulwalamano nabaxhasi abakhulu. Amaxabiso akhatyiweyo adla ngokusuka ku-R3,000 ukuya ku-R1,000 okanye ngaphezulu. I-gala ingcono kakhulu xa umphanezelo wakho useke umni ozinzileyo kwaye unebali elinyanzelelayo lokupha.

Inyathelo 3: Yakha Iqela Elinamandla Lokuceba

Zihlanganiseni iikomiti ezinobuchule obahlukahlukeneyo — ulawulo lwezehlo, ezorhwebo, ezoshishino, ezokuncedisana kwezezimali, nezisebenzisana.

Chaza Iindima Neembopheleleko

Yabelani iindawo ezikhethekileyo: i ekhokelayo iziphatho zemvume, abathengisi, kunye nosuku- lwemisebenzi; isitulo sokurhweba [ silawula ukunyuswa kunye nesixhobo sokugcina ulwazi lwezentlalo-ntle yoluntu; [[FLT:] i-[FLT]] i-'4] ilandela uqingqo lwemali kunye noqukuqela lwemali; umquququzeleli we-'''''' or' or'indawo yorhwebo-mali' ornawomfo- , umxhasi wemibutho nodweliso. Kwizicwangciso ezinkulu, qwalasela ipropetrojini yeqela [FFLD:] ukuqinisekisa amaqabane eequlumbini.

Amatsha - ntliziyo Asebenza Ngexesha Elifutshane

Ngaphandle kwekomiti esembindini, ufuna iqula lemini- yabancedi. Sebenzisa amaqonga okuzithandela okuphawula- ngaphezulu njenge . Unxibelelwano lwevolunteer Meenuts okanye iStatutUpGenius[ ukulungelelanisa iindidi. Nika iinkcazelo ezicacileyo, uqeqesho, kunye nencopho enye yoqhakamshelwano kwindima nganye. Ukuvuma amaphetshana oxabiso okanye umqondiso omncinane woxabiso kuhamba indlela ende ukuya ekuzigcineni zizenzeke kwiziganeko zexesha elizayo.

Inyathelo lesi - 4: Ceba Indlela Onokuqiqa Ngayo

Uqikelelo lusisiseko sesiganeko. Iinkcukacha ezifana neemvume, i-inshorensi, okanye uqingqo-mali zinokuphazamisa ijelo lemali yakho ngaphambi kokuba iqalise.

Yenza Uqingqo-mali olunenkcukacha

Yenza uluhlu lwemali elindelekileyo: indawo yokuqesha, ukulungiselela, imihombiso, ukuzonwabisa, i-inshorensi, imvume, ushicilelo, kunye nokuthengisa. Uqikelelo lwengeniso efumaneka kuthengiso lwamathikithi, iinqanawa, ukuxhasa iimarike, kunye neminikelo yemali ehlawulwayo. Jonga ukugcina iinkcitho phantsi kwe-30% yemali eveziweyo. Shiya imali ekhutshiweyo yemali ehlawulwayo ngeendleko ezingalindelekanga. Sebenzisa isixhobo sokulungisa okanye sokwenza uqingqo-mali njenge [[FLT: 0].SMMMVU] ukulandelela iinjongo zemali.

Khusela uVenue noMhla

Khetha indawo ehambelana nohlobo lwesiganeko sakho — ipaki yesapho, iholo yesidlo se-gala, okanye isiziko loluntu lomboniso wenqwelo-moya. Khangela ukuba ikho na imihla emininzi kwaye inenkxaso. Qwalasela ukusondela ekuthuthweni kwabantu, ukumisa imo enzima, nokufumaneka kwabo banesiphene. Incwadi malunga neenyanga ezimbini ngaphambili, kwaye uqinisekise isivumelwano esiquka ukucwangciswa nokukrazuka kwamaxesha, izixhobo zokuvakala, kunye ne-inshorensi.

Fumana Imvume Neinshorensi

Kuxhomekeke kwindawo ohlala kuyo nakwisiganeko sobungakanani, ungafuna imvume yezakhiwo zokwexeshana, ukuvalwa kweendlela, isandi esinyusiweyo, okanye inkonzo yokutya. Xhumana nesixeko okanye iofisi yengingqi yakho yasekuhlaleni kwasekuqaleni kwinkqubo. I-inshorensi yokubonelela ikhusela ikomiti yakho kunye nesisa xa kusenzeka iingozi. Iindawo ezininzi zifuna ubungqina be-inshorensi — buza enoba ungadityaniswa kwinkqubo yazo okanye uthenge inkqubo yesiganeko esifutshane sexesha elithile ngako abaxhasi bexesha elifana

Ucwangciso lwabahwebi neMithendeleko

Ukuba isiganeko sakho siquka ukutya, ukuzonwabisa, okanye iirente (iintente, izihlalo, iitafile), nxibelelana nabathengisi. Fumana iingcaphulo ezininzi uze ufunde ingxubusho. Qinisekisa ukuhanjiswa kwamaxesha neeveni, uze unike ivolontiya ukuba ibe ngunxibelelwano lomthengisi ngomhla wesiganeko. Ukulungiselela izinto ezifana nemali yokuthenga amashiti, iingqayi, kunye nesayina, yenza uluhlu lwezinto uze uqalise ukuqokelela izinto ubuncinane kwiiveki ezimbini ezingaphambili.

Inyathelo 5: Yenza ubuchule borhwebo nolokukhuthaza

Nokuba simangalisa kangakanani isiganeko sakho, abantu kufuneka bayazi ngaso. Isicwangciso sorhwebo esineenkampani ezininzi siqinisekisa ukuba ufikelela abo banokubakho, abanikeli kunye nabaxhasi.

Yazi Isigidimi Sakho

Ngubani onokuba negalelo ekuxhaseni abanikeli-mali bakho? Bakho abantu abanikela ngesisa, abaninizo bezoshishino basekuhlaleni, abemi abakufutshane, amaqela abantu okanye abantu abasebenza kwijelo leendaba zoluntu?

I-APP

Sebenzisa amaqonga apho abaphulaphuli bakho besebenza khona kakhulu. Kwiziganeko ezibanzi zoluntu, Iziganeko ze Jonication kunye ne [[FLT]] I-instagrg[ zizixhobo ezinamandla. Yenza iphepha lonikezelo lwesiganeko kunye neposi rhoqo: emva- kwemifanekiso ye-screennes, uqwalaselo lwe mvume, ikslayesssssssss, iknivers, nobalo. Ukhuthaza ukwabelana ngokufaka ingcebo kwaye usebenzisa i-hashtagg. Kwimiqathango yexesha elikhawulezayo okanye ukuthengisa intengiso yoluntu, qwalasela izibhengezogna ezihlawulwa rhoqo — kwanolwabiwo-mali oluncinane lungafikelela. [[FLD:]

Sebenzisa I-imeyili kunye Ne-imeyili Ethe Ngqo

Yakha uluhlu lwe-imeyili evela kubanikeli abadlulileyo namatsha - ntliziyo. Thumela ugcino-lwazi- olukhoyo, uthotho lwee-imeyili ezinezimemo ezicacileyo eziza kuphunyezwa: bhalisa, nikela, nikela, okanye unikezelo. Quka ibali ngendlela imali ezakunceda ngayo — ividiyo emfutshane okanye isiqinisekiso sisebenza kakuhle. Kubantu abadala, ababhabhi-bhaji-bhabha okanye iiposi abathe ngqo bahlala bephumelela. Bashicilele kwi whalophu yokubuya ukwenzela umnikelo olulula.

Ibhodi yoosomashishini basekuhlaleni

Sekela kumaphephandaba asekuhlaleni, izitishi zikanomathotholo, kunye nee-webhsayithi zoluntu. Thumela umatshini wokushicilela iiveki ezimbini ukuya kwezintathu ngaphambi kwesiganeko, ubalaselise unobangela kunye nazo naziphi na izinto ezizodwa (umz., undwendwe olunomtsalane, ucelomngeni olufanayo). Abahambi beeposi kwiibhodi zesaziso kumathala eencwadi, kwiivenkile zekofu, kwiicawa, nakumagumbi okuzihlaziya. Basebenzisana namashishini asekuhlaleni ukuveza imifanekiso kwiifestile zabo okanye baquke ukukhankanya kwiincwadi zabo.

Inyathelo 6: Bandakanyeke Abantu Ngaphambi Kokuba Bangenele Uluntu, Ngaphambili, Nasemva

Isivumelwano senza umahluko phakathi komnikelo wexesha elinye kunye nomxhasi ohlala ehleli.

Isigqumathelo sangaphambili

Yakha ulangazelelo ngokuncokola ngamabali abantu abanceda abasweleyo. Sebenzisa iividiyo ezifutshane okanye izincoko zemifanekiso kwi media. Uququzelela umbutho osezantsi wesitshixo sangaphambi kwe-endyt (umz., ibhaqo elithe ngqo okanye iyure eyonwabisayo kubaxhasi). nikeza itrakiti lokuqala okanye intengiso encinane kwabo baxhamla isiganeko.

Ubungqina

Yenza bonke abathathi-nxaxheba bazive bemkelekile kwaye bexabisekile. Beka isikhululo sokwamkela esinesatifiketi, iinkqubo, kunye nolwalathiso olucacileyo. Dlala umculo obethwayo, cwangcisa iibhokisi zemifanekiso ezinemibhobho, kwaye basebenze amatsha - ntliziyo ajikeleze ukuze bathethe neendwendwe. Ukuthengisa okanye ama-raffles, chaza abaphumeleleyo behleli kwaye babhiyozele. Ukuba unalo ubugcisa, sebenzisa umatshini ophilayo wokulinganisela iqondo lobushushu okanye ikhusi ukubonisa inkqubela phambili kusukelo lwakho.

Comment

Kwisithuba seyure ezingama-48, thumela i-imeyile-owunikelayo kubo bonke abakhoyo, nabanikeli, kunye namatsha - ntliziyo. Quka ifomati yemifanekiso okanye phawula ibhobhini ukusuka kwisiganeko. Yabelanani inani elipheleleyo kunye nomzekelo okhethekileyo wendlela imali eza kusetyenziswa ngayo (umz., “Iminikelo yenu yanika izidlo ezingama-500 kumalungu ale nyanga”. Bameme ukuba bahlale bedityaniswe ngokusayina iphepha-mvume lembutho woncedo okanye balandele iziqhagamshelanisi zalo zoluntu. Uhlolisiso olulandelayo (usebenzisa [[FLT: 0]], Google okanye ] [FLT:]]][FTYYYYYYYY ]]) lunokuhlanganisa iziphumo zonyaka olandelayo.

Inyathelo 7: Phumeza isiganeko ngobunono

Ngosuku, unxibelelwano olucacileyo kunye nobuchule ngabahlobo bakho abasenyongweni. Yenza ucwangciso oluphezulu oludwelisa umsebenzi ngamnye, ishefu yokuzithandela, kunye nokuhanjiswa korhwebo. Bamba intlanganiso emfutshane yangaphambi kwexeshana neqela lakho uhlalutya iindima kunye neemfuno ezinokwenzeka. Yiba nomntu ochaphazelekayo kubaphathi bemeko enzima (umntwana olahlekileyo, ungxamiseko lwemozulu, ukungaphumeleli kwezixhobo) nendlela yokufikelela bonke abasebenzi bokuzithandela ngephanyazo (umbhalo okanye intetho ye-apie). Hlala uzolile, uthume, unike ugxakeke kwimisebenzi yakho — yonke enye into ingalungiswa kamva.

Inyathelo 8: Hamba Ucele Abanikeli

I-emort ayithozanyiswanga nje kuphela — ikhuthaza ukunyaniseka. Thumela amaphetshana abhalwe ngokobuqu kwiveki enye. Kwizipho ezinkulu, bhala ikhadi okanye fowuney. Beka ilisithi yerhafu ukuba ifunwa (amaqonga amaninzi e-intanethi avelisa ezi zinto ngokuzenzekelayo). Yabelanani ngempembelelo yegalelo lawo ngengxelo yonyaka yesiphelo okanye isishwankathelo sesiganeko. Abanikeli bafuna ukwazi imali yabo yenza umahluko, ngoko ke yibalula kwaye icace. Umboniso ocacileyo wokubonisa apho ii-dola nganye zinokufumana khona ukuthembana.

Inyathelo lesi - 9: Linganisa impumelelo nohlobo

Emva kokuthunyelwa kobubulelo, lixesha lokuvavanya. Thelekisa iziphumo zakho ngokuchasene nosukelo olucwangcisiweyo kwiStep 1. Ingaba uphumelele ixhoba lakho lemali? Bangaphi amatsha amatsha amatsha atyikitywayo? Yintoni eyafunyanwa yimibutho ephakathi yezentlalo? Bamba intlanganiso ephakathi nekomiti yakho yokuxubusha oko kwahamba kakuhle noko kunokuphuculwa. Uxwebhu lwezi zifundo kunyaka ozayo. Ukuphumelela kuyenzeka [[FLT: 0] kuphumele usukelo lwakho lomnikelo [ okanye ukulungele ukudibana kweqela lakho. [FLT:] ulungiso oluqhubekayo lutshintsha ingxowawa yemali elungileyo.

Isiphelo: Thabatha Inyathelo Lokuqala Namhlanje

Ukulungiselela ijelo lemali lokuxhasa intlangano yasekuhlaleni yoncedo yenye yezona ndlela zisebenzayo zokubuyisela. Akufuni ukuba uqingqo-mali okanye umcebisi wesiganeko omkhulu — nje usukelo olucacileyo, iqela elizinikeleyo, kunye nokukulungela ukuvumelana. Qala ngenyathelo elinye: chaza injongo yakho. Yandula fumana abahlobo ababini okanye abathathu ukuba bangenele ikomiti yakho. Khetha uhlobo lwesiganeko olufanelana noluntu lwakho kwaye uqingqe imali. Lukhuthaze ngokuqhubekayo, lubandakanye abaphulaphuli bakho ngokunyanisekileyo, kwaye ulandele ngombulelo. Ukwazi ukuba unceda imicimbi — kufanelekile kwimiqathango yonke yomgudu. Ukhokelo olubhekele phambili, uphando olufana [FLT: 0] ubuchule obungcono [FLD] kwimiculo]