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Ingabe ufuna isifundo esilula nesisebenzayo semfundo yezezimali?
Funda ezezimali zomuntu siqu kusukela ekuqaleni, ngisho noma ungenalo ulwazi lwangaphambili, ngalesi sifundo esibanzi semfundo yezezimali ngeSpanishi.
Hlela imali yakho, phuma ezikweletini, funda ukonga, futhi uthathe izinyathelo zakho zokuqala emhlabeni wokutshala imali ngendlela ecacile, yesinyathelo nesinyathelo.
- Funda ukuthi iyini imali nokuthi ungayiphatha kanjani ngaphandle kwamafomula ayinkimbinkimbi.
- Thola ukuthi ungakha kanjani ibhajethi yakho yomuntu siqu futhi ulawule izindleko zakho.
- Bazi kahle izindlela eziyinhloko zokuphuma esikweletini (ibhola leqhwa, i-avalanche, imali engenayo eyengeziwe, imizwa).
- Yonga ngendlela ehlelekile ngaphandle kokudela izinga lakho lempilo.
- Qala ukutshala imali ngaphandle kwengcindezi, ngendlela yokufundisa.
- Vikela izimali zakho ngomshwalense kanye nokuhlelwa kwezimali.
Lesi sifundo semfundo yezezimali senzelwe abasaqalayo abafuna ukufunda ezezimali zomuntu siqu kusukela ekuqaleni futhi bakhe inkululeko yezezimali isinyathelo nesinyathelo.
Kufaka phakathi:
• Imiqondo yezezimali
• Izindlela zebhajethi: 50/30/20, izimvilophu, i-zero-based, i-Kakeibo, indlela engu-1% ngosuku.
• Amasu angempela okuqeda izikweletu.
• Izinselele zokonga ezisebenzayo.
• Isingeniso emhlabeni wokutshalwa kwezimali komuntu siqu.
• Umqondo wezezimali kanye nemikhuba eqhubekayo.
ISIKHUMBUZO ESIBALULEKILE:
Lesi sifundo sifundisa kuphela. Akusakhi iseluleko sezezimali esiqondene nawe.
Izihloko okukhulunywa ngazo zisuka ekuqaleni; alukho ulwazi lwangaphambili oludingekayo.
Uhlelo lokusebenza lusebenza ku-inthanethi.
Qala indlela yakho eya enkululekweni yezezimali namuhla, ngisho noma ungakaze ufunde ngezezimali ngaphambilini!
Funda ezezimali zomuntu siqu kusukela ekuqaleni, ngisho noma ungenalo ulwazi lwangaphambili, ngalesi sifundo esibanzi semfundo yezezimali ngeSpanishi.
Hlela imali yakho, phuma ezikweletini, funda ukonga, futhi uthathe izinyathelo zakho zokuqala emhlabeni wokutshala imali ngendlela ecacile, yesinyathelo nesinyathelo.
- Funda ukuthi iyini imali nokuthi ungayiphatha kanjani ngaphandle kwamafomula ayinkimbinkimbi.
- Thola ukuthi ungakha kanjani ibhajethi yakho yomuntu siqu futhi ulawule izindleko zakho.
- Bazi kahle izindlela eziyinhloko zokuphuma esikweletini (ibhola leqhwa, i-avalanche, imali engenayo eyengeziwe, imizwa).
- Yonga ngendlela ehlelekile ngaphandle kokudela izinga lakho lempilo.
- Qala ukutshala imali ngaphandle kwengcindezi, ngendlela yokufundisa.
- Vikela izimali zakho ngomshwalense kanye nokuhlelwa kwezimali.
Lesi sifundo semfundo yezezimali senzelwe abasaqalayo abafuna ukufunda ezezimali zomuntu siqu kusukela ekuqaleni futhi bakhe inkululeko yezezimali isinyathelo nesinyathelo.
Kufaka phakathi:
• Imiqondo yezezimali
• Izindlela zebhajethi: 50/30/20, izimvilophu, i-zero-based, i-Kakeibo, indlela engu-1% ngosuku.
• Amasu angempela okuqeda izikweletu.
• Izinselele zokonga ezisebenzayo.
• Isingeniso emhlabeni wokutshalwa kwezimali komuntu siqu.
• Umqondo wezezimali kanye nemikhuba eqhubekayo.
ISIKHUMBUZO ESIBALULEKILE:
Lesi sifundo sifundisa kuphela. Akusakhi iseluleko sezezimali esiqondene nawe.
Izihloko okukhulunywa ngazo zisuka ekuqaleni; alukho ulwazi lwangaphambili oludingekayo.
Uhlelo lokusebenza lusebenza ku-inthanethi.
Qala indlela yakho eya enkululekweni yezezimali namuhla, ngisho noma ungakaze ufunde ngezezimali ngaphambilini!
Kubuyekezwe ngo-
Ukuphepha kuqala ngokuqonda ukuthi onjiniyela baqoqa futhi babelane kanjani ngedatha yakho. Ubumfihlo bedatha nezinqubo zokuphepha zingahluka kuye ngokusebenzisa kwakho, isifunda, nobudala. Unjiniyela unikeze lolu lwazi futhi angalubuyekeza ngokuhamba kwesikhathi.
Ayikho idatha eyabiwe nezinkampani zangaphandle
Funda kabanzi mayelana nendlela onjiniyela abaveza ngayo ukwabelana
Ayikho idatha eqoqiwe
Funda kabanzi mayelana nokuthi onjiniyela bakuveza kanjani ukuqoqwa
Idatha ibetheliwe lapho ithunyelwa
Idatha ayikwazi ukusulwa
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