Ulwazi lwezemali kulwimi olufikelelekayo: ezona zifundo zibalaseleyo kunye neengcebiso ezivela kwi-opexbot

Inqaku lenziwe ngokusekelwe kuluhlu lwezithuba ezivela  kwitshaneli yeTelegram ye-OpexBot , eyongezwa ngumbono wombhali kunye nombono we-AI. I-Opexbot ibonelela ngezifundo malunga nolwazi lwezezimali kwi-intanethi, ezona mathiriyeli zibalaseleyo kunye neengcebiso zika-2023, ngolwimi olufikelelekayo noluqondakalayo kubantwana, abafundi, kunye nabadla umhlala-phantsi. Iingcebiso ezisebenzayo kunye nendlela ekujoliswe kuyo kwimeko nganye.

Ndilapha kwaye ndilapha . _

Yintoni ulwazi lwezemali ngamagama antsokothileyo nalula

Masiqale. Ukufunda ngezezimali kufana nengwe yase-Amur, abaninzi bavile, abanye babone kwimifanekiso, kwaye bambalwa abaye badibana ngokobuqu. Ke yintoni i-financial literacy? Nantsi inkcazelo enikelwe ngu-VIKI: [isihloko se-spoiler=”Financial literacy” ] Ulwazi  lwemali ) – indibaniselwano yokwazisa, ulwazi, izakhono, izimo zengqondo kunye nokuziphatha okunxulumene nemali kunye nezinto eziyimfuneko ukuze wenze izigqibo ezifanelekileyo zemali, kunye nokufikelela kwintlalontle yobuqu yezemali; Iqela lezakhono zoluntu ezenza isiseko sokwenziwa kwezigqibo ezifanelekileyo zemali. Kukholelwa ukuba ukuphuhliswa kolwazi lwezemali kwenza kube lula ukugcina nokuphucula impilo-ntle yemali.[/spoiler] I-abstruse encinci, njengoko, nangona kunjalo, phantse rhoqo kunye neVika. Ukuyibeka ngokulula, yiseti yezakhono kunye nolwazi olukunceda ukuba uphephe ukuchitha imali eninzi kwaye wandise ukonga kwakho. Ulwazi lwemali luquka ukugcina nokucwangcisa uhlahlo lwabiwo-mali, ulwazi lwetyala kunye neemveliso ze-inshorensi, ukukwazi ukulawula imali, ukuhlawula amatyala ngokuchanekileyo, ukutyala imali kunye nokonga.

Ulwazi lwezemali malunga nocwangciso, utyalo-mali kunye nokukhula.

Yeyiphi imiba ayisombululayo umntu xa efunda ulwazi lwezemali?

Ithiyori encinci ekruqulayo kodwa eluncedo malunga nolwazi lwezemali. Ukuba uyonqena ukufunda, masiyeni ngqo kwiingcebiso ezisebenzayo, izifundo kunye noqeqesho lokufunda ngezezimali oluvela kwi-opexbot. Ulwazi lwezezimali sesinye sezakhono ezingundoqo ezifunekayo kwihlabathi lanamhlanje ukulawula ngempumelelo imali yakho nokuqinisekisa uzinzo lwexesha elide kwezemali. Eli gama libhekisa kubuchule bomntu bokuqonda nokusebenzisa ulwazi malunga nezixhobo zemali, utyalo-mali, uhlahlo lwabiwo-mali, ulawulo lwamatyala, kunye nokucwangcisa iinjongo zemali. Elinye lawona macandelo aphambili olwazi lwezemali kukukwazi ukulawula ngokukuko umvuzo wakho kunye neendleko.. Oku kuquka ukuphuhlisa nokulandela uhlahlo lwabiwo-mali, ukuhlalutya imeko yemali, ukucwangcisa nokulawula iindleko. Abantu abafunde ngezimali bayaqonda ngokucacileyo ukuba zeziphi iindleko eziyimfuneko kwaye ezinokuthi zirhoxiswe kwixesha elizayo. Inxalenye ebalulekileyo yolwazi lwezezimali kukukwazi ukutyala imali yakho ngokuchanekileyo . Abantu abafunde ngezimali bazama ukuqonda izixhobo ezahlukeneyo zemali, imingcipheko kunye nembuyekezo yotyalo-mali ukuze bandise inzuzo yabo kunye nokunciphisa ilahleko enokwenzeka. Benza izigqibo zemali ezisekelwe kulwazi kunye nohlalutyo. Ngapha koko, ulwazi lwezemali lubandakanya ukukwazi ukucwangcisa ixesha elide kunye nokufezekisa iinjongo zemali. Umntu onobu buchule umisela ezona zinto zibalulekileyo kuye aze aphuhlise imilinganiselo eyimfuneko yokuyiphumeza. Kwakhona uyakuqonda ukubaluleka kwengxowa-mali engxamisekileyo kwaye uyazi indlela yokulawula amatyala akhe ukuphepha iingxaki zemali kwixesha elizayo. Ulwazi lwezemali luyinxalenye yempumelelo kunye nokuba sempilweni kwezemali. Esi zakhono sixhobisa abantu ukuba benze izigqibo zemali benolwazi kwaye balawule izibonelelo zabo ngokufanelekileyo. Abantu abafunde kakuhle ngokwemali banobuchule obunokubanceda bakwazi ukuzimela ngokwemali, bakhusele umhlala-phantsi wabo kwixesha elizayo, baze bakhusele iintsapho zabo ngokwemali.

Kutheni uhlwempuzekile – i-psychology, izibonelelo kunye nemikhwa

Ungafunda njani ngezezimali: iseti yezifundo ezivela kwi-opexbot

Izifundo zokufunda ngemali ziyafumaneka kubantwana, abantwana besikolo, abafundi kunye nabadla umhlala-phantsi. Masiqalise inkqubo yemfundo ngeleta evela kumfundi wethu othe rhoqo.

Ukususela ebuntwaneni sifundiswa ukuhlala kwi-esile

Molweni ke admins. Mandiqale ngento yokuba uninzi lwethu alufundiswanga ulwazi lwezezimali. Bafundisa izinto ezininzi esikolweni, kodwa kwakungekho nto malunga nendlela yokungabi ngumngqibi. Yayimalunga nendlela wonke umntu afanele ukuba njengaye: funda kakuhle, uzimase iklabhu ye-macrame kwaye uye kwiintsuku zokucoca. Ngaba ukhe wazibuza ukuba kutheni kukho abantu abaninzi abaphumeleleyo kwixesha elizayo phakathi kwabafundi be-C? Ewe, ukususela ebuntwaneni batshica ngeziseko kunye neengqungquthela. Bazibeka emngciphekweni kwaye bahambe ngendlela yabo. Abazali bayalela ukuba yeyiphi iyunivesiti emayingene kwaye ngowuphi umsebenzi ekufuneka uyifunde. Umama ngugqirha. Loo nto ithetha ukuba nawe kufuneka uye kubugqirha. Kwaye akunamsebenzi ukuba umdla wakho ulele kwinqwelomoya eyahlukileyo. Bandophula, bawutyhafisa umnqweno wam wokuzazi, kwaye beba iminyaka emi-5 yobomi bam. Sifundiswa ukuba sibe nombono omfutshane.

Inkqubo yoqeqesho ngokwayo ayiguquki

Ngokwahlukileyo, ngokomzekelo, kwisikolo sakwaSirayeli, apho umfundi ngamnye ekhetha izifundo anomdla kuzo. Kwaye sihlupheka ngenxa ye-crust engenamsebenzi iminyaka emi-5. Umzekelo, andiyazi ukuba iphi idiploma yam. Okulandelayo – umsebenzi ongathandwayo ukusuka kwi-paycheck ukuya kwi-paycheck. Akukho ngeniso yokwenziwa. Isangqa esibi ekunzima ukusiphula: 5/8 umsebenzi, mboleko, ukungabikho kwamandla kunye nemali, amatyala, umsebenzi wokuhlawula amatyala. Urhulumente unyanzelisa iimali-mboleko kuthi ngandlela zonke. Umthwalo wetyala labemi beRussian Federation isondele kwi-50%. Wonke umntu wesibini ubanjiwe.

Siphinde sisindise ngeesile zethu

Indlu inexabiso eliphantsi – ngokuqinisekileyo kukho ukwakhiwa ngaphandle kwefestile. Ukuphazamiseka kwemithambo-luvo, ukungalali ebusuku, ukungabi namandla okwenza nantoni na kusasa. Ukutya okukhawulezayo okutshiphu – ityhefu kunye nekhemesti. Impilo elahlekileyo, ixesha, imali.

Ukugcina imali ayikokukhupha ezona zinto zimbi ebomini. Kumalunga nokuzikhanyela okubi kakhulu namhlanje, ukwenzela ukuba kwiminyaka emi-5 ungazikhanyeli ngokwakho.

Guqula imisebenzi. Funda into owawuphupha ngayo usengumntwana. Yeka umsebenzi wakho wesibini, kwaye kukho ukuya kwi-30% yabo kwi-Russian Federation, ukuze ukhulule ixesha lokuphucula wena. Tyala i-ruble ye-2k kwizabelo. Kwinyanga ezayo 4k. Ezi zizixa zokunyuswa. Kwaye ekuhambeni kwexesha, i-cushion yezemali iya kwenza. Kwaye yintoni enokunika ukuzithemba ngakumbi ukuba akukho akhawunti eqinileyo kwikhadi okanye kwi-akhawunti ye-brokerage? Ungabi nayo iholide ethotyiweyo ngeempelaveki. Lisebenzise kangangoko ixesha lakho lokuphumla! Sukuncama ngamathuba avela kuwe. Wonke umntu unazo.

Eyona nto imbi kakhulu enokuthi yenzeke kukuhlala eesileni ngonaphakade kwaye uthumele abantwana bakho ngendlela efanayo ebomini. Ukusebenzisa iisetingi kunye nemithetho efanayo.

Ndiya kongeza ngokwam: Safundiswa ngokwenene ukuhlala kwi-esile ukususela ebuntwaneni, kodwa akuyimfuneko ukuchitha ubomi bethu bonke kuyo. Zifune kuwe njengokumkani, nakwabajikelezileyo njengakwikhoboka; Ndiyavuya kuba ndizisa ukhanyiso kubantu abaninzi. Ulwazi lwezezimali lwabemi luyehla unyaka nonyaka, masiyilungise le nto ngekrele lolwazi opexbota. Isiphumo sophando kukuba ingaba uzithatha njengomntu ofundileyo ngezezimali njengepesenti yetotali:

Imibuzo yolwazi lokufunda ngemali malunga neengcinga zemali

Abangqibi bathandazela ukuba ubuhlwempu babo buqinisekiswe

Ngaba wakha wazibuza ukuba kutheni izityebi zityeba ngakumbi, ngoxa amahlwempu engenakukwazi ukubaleka amahlwempu? Esinye sezizathu sachazwa nguRichard Thaler kwaye wayibiza ngokuba “yimpembelelo yobutyebi bokuqala.” Ukuba ubuwathanda amabali amade esikolweni, funda incwadi ethi “Fundamental Ideas of the Financial World.” Indaleko”: Peter Bernstein. Kwabo bathanda ukubaliswa kwakhona okufutshane, ndiza kuchaza eyona nto. URichard Thaler wenze uvavanyo lokuvavanya ukunqongophala kokucinga okungaguqukiyo kwezemali. Wamema iqela labafundi ukuba bacinge ukuba ngamnye wabo uphumelele i-30 yeedola. Emva koko kukho iindlela ezimbini zokukhetha: ukuphosa ingqekembe kwaye, kuxhomekeke ekubeni ivela kwiintloko okanye umsila, fumana ngaphezulu okanye unike i-9.00. Okanye ungayipheyi ingqekembe kwaphela. I-70% yezifundo yagqiba ekubeni iphose ingqekembe.
Ngosuku olulandelayo, uThaler wachazela abafundi ngale meko. I-capital yabo yokuqala ingu-zero, kwaye ukhethe enye yezi ndlela zilandelayo: ukuphosa ingqekembe kwaye ufumane i-$ 39 ukuba ifike phezu kweentloko, okanye i-$ 21 ukuba ifike emisileni. Okanye ungayiyeki kwaye uqinisekisiwe ukufumana i-30 yeedola. Kuphela i-43% yabafundi ivumile ukuphosa emngciphekweni, abanye bakhetha ukuphumelela okuqinisekisiweyo.
Inqaku lelokuba isiphelo siyafana .Nokuba uqala nge $30 okanye ukusuka ku-zero, ukuphumelela okunokwenzeka ngexesha ngalinye kuthelekiswa nesixa esiqinisekisiweyo. Abafundi, nangona kunjalo, babonisa izinto abazikhethayo ezahlukeneyo, ngaloo ndlela bebonisa ukunqongophala kokungaguquguquki. UThaler ubize oku kungangqinelani “yimpembelelo yobutyebi bokuqala.” Ukuba unemali epokothweni yakho, udla ngokuthatha umngcipheko. Ukuba ayinalutho, ngoko unokukhetha ukuthatha i-30 USD ngesiqinisekiso, kunokuba udlale emngciphekweni wokufumana i-21 USD. Kwaye oku akusiyo i-abstract. Kwihlabathi lokwenyani, esi siphumo asibalulekanga kangako. Kwaye kungekhona kuphela kwicandelo lezemali.

Kwabahluphekileyo, intlupheko ezinzileyo yexesha elide isondele “kumngcipheko” wokuba sisityebi, kodwa kunye nokwenzeka kokulahlekelwa ipeni. Kukho umnqweno onamandla wokulondoloza kunokwandisa, nangona kukho ingozi ethile. Oku kuchasene nengqiqo, kodwa uloyiko alulali.

Kodwa asiyiyo yonke into engenathemba kangako. Ukuqonda ingxaki sisiqingatha sesisombululo sayo. Ukuba uyijonga ngokufanelekileyo, oku akuyongxaki, kodwa luphawu lokucinga. Kuvela kwezi zikhokelo ezenziweyo ekufuneka siziqhaqhe.

Iinjongo zezimali ezintlanu zokumisela kunye nokuzifezekisa ngaphambi kweminyaka engama-40

Ukwandisa uzinzo lwemali

Ukunqanda ukulahleka ematyaleni kwaye wenze imali yakho ikusebenzele hayi enye indlela, kufuneka uchithe ixesha elithile ufunda malunga nezezimali.

Yenza ingxowa-mali yokugcina/umqamelo wemali

Uninzi lweengcali zemali zicebisa ukuba ingxowa-mali yakho kaxakeka kufuneka ihlawule ubuncinci iinyanga ezi-3 zeendleko zokuphila. Amadada amnyama ngamanye amaxesha abhabha ngababini.

Zenzele umngeni kwaye ufezekise iziphumo

Yiba nesigidi esi-1 epokothweni. Funda incwadi enye malunga nezezimali ngeveki unyaka. Yeka ukutshaya … Ewe, ewe, akukhona nje ngempilo, kodwa nangemali.

Fumana eyakho indawo, imoto, ndwendwela iziqithi ezikude, bhabha uye kwikonsathi yeSting, thenga ipug

Emva kokuba ufezekise intlalo-ntle yemali, fezekisa iphupha lakho. Chitha enye yogcino olufumana emsebenzini okanye ukurhweba. Le kuphela kwendlela ingqondo eqonda ngayo ukuba yonke into ayilolize. Ukubuyisela kwakhona yonke into kwiiprojekthi ezintsha, izabelo, ishishini lilungile. Kodwa kufuneka uzikholise.

Yenza uludwe lwezinto ezikwenza wonwabe ngokwenene

Amanani abonisa ukuba asingabo bonke oosozigidi abavuyayo. Ezinye zaphela kabuhlungu kakhulu. Unokuba nayo yonke imali emhlabeni kunye nomsebenzi ophumelelayo, kodwa ungonwabi. Imali sisixhobo nje. Kwaye wonke umntu unoluhlu lwakhe lolonwabo. Yibhale phantsi kwaye ukhawuleze ukuya kuyo.

Bahlawula kancinci – umfazi uyakhala, umamazala ucinezela, iifowuni zebhanki, umntwana uyakhala

Uninzi lwabantu baseRashiya (i-77% yabaphenduli) abanelisekanga ngumsebenzi wabo wangoku ngokuchanekileyo ngenxa yezinga lomvuzo ophantsi. Hayi ulawulo, hayi amathemba okukhula, kodwa umvuzo. Makhe siqwalasele umsebenzi njengembasa, apho kwicala ngalinye kukho iindlela ezimbini zokusombulula umba womvuzo ophantsi.

Icala lokuqala: ukwandisa umvuzo osebenzayo

Nazi ezi ndlela zilandelayo: – Ukunyusa umvuzo wakho ngokunyuselwa, ngemisebenzi eyongezelelweyo, okanye ngeziphumo. Indlela nganye ifuna umsebenzi wokulungiselela. Awunyuselwa nje kwisikhundla – kufuneka uphuhlise isakhono, okanye ube sisalamane. Kuya kufuneka wenze imisebenzi eyongezelelweyo ukuba ayikugqibi. Kodwa asingabo bonke abaphathi abanomdla kwisiphumo. — Ukukhangela umsebenzi kwicala elifanayo, kodwa ngomvuzo othe chatha. HeadHunter ezandleni / izitshixo.

Icala lesibini: velisa ingeniso yokwenziwa

Ngomvuzo wangoku kwaye ngaphandle kogcino lulonke kuyo yonke into. Kwaye kunokwenzeka. Kufuneka nje usebenze ngokuthe ngcembe ukuze ungatshi kwaye uphele. Ukungxama kulungile kuphela ekubambeni iintakumba. Ungatyali imali engaphezulu kwe-15% yengeniso yakho esebenzayo kutyalo-mali nasekurhwebeni. Hlanganisa isitokhwe esisemngciphekweni ophantsi/ipotfoliyo yebhondi. Kufanelekile ukurhweba kwidiphozithi encinci. UDave Ramsey: “Abaphumeleleyo kwezemali ababaleki, babaleka umgama omde. Abangxamanga. Bayenza ngokuthe ngcembe. “

Umthetho we-70/30 kwizemali

Izityebi zichitha imali encinci kwizinto zokuzonwabisa (uBill Gates ngumzekelo woku). Izityebi ziya zityeba kwaye amahlwempu aya ehlwempuzeka. Umntu osisityebi ophumelele ilotto uyatyala imali; umntu olihlwempu usenokungafumani nto kwakhona. I-70% yempumelelo yezemali ixhomekeke kwimikhwa efanelekileyo yokuchitha imali kunye ne-30% kuphela kwimikhwa efanelekileyo yokutyalomali.Makhe sithelekise abantu ababini abatyala $500 ngenyanga kwaye bobabini bafumana isixa esingalindelekanga $100,000 njengelifa. Owokuqala uyaqhubeka nokutyala i-$ 500 ngenyanga kwaye uthatha i-Land Cruiser ye-100 yeedola eziliwaka, ngelixa owesibini utyala i-$ 100 lamawaka kunye ne-$ 500 ngenyanga. Emva kweminyaka engama-30, owokuqala uya kuba needola ezingama-588,000. Kwaye okwesibini kuya kuba ne-$ 1,350,000 kwimali yanamhlanje … umehluko we-750k ngokwenyani ngenxa yenkcubeko yokusetyenziswa echanekileyo kwaye ngaphezu kwe-1 yezigidi ukuba asiyikuqwalasela ukunyuka kwamaxabiso!

Imibuzo yokufunda ngemali malunga nohlahlo lwabiwo-mali kunye neengxowa zomoya

Gcina, khusela kwaye wandise imali yakho ngoku

Ndafumana izibalo: ngo-2023, i-75% yamaRashiya yaqala ukugcina kwiindleko. I-13% yonga kwi-catering, i-12% kwiholide, ekutyeni – 9%, iimpahla, izicathulo – 9%, ii-salon zobuhle – 8%. Yintoni enye ongayenza ngokukhawuleza kwintlalontle yemali? Khetha kwaye wenze.

Lahla iindleko “ezincinci”.

Indlu yekofu? Uhambo lweteksi? Ukutya okukhawulezayo? Into nganye inendlela enenzuzo neluncedo. Ibhayisekile lolona hlobo lothutho olugqwesileyo. Ngokukhawuleza, simahla, kuhle! Bala iindleko zokuthenga okanye zokurenta isithuthuthu/ibhayisekile. Yaye ukuba ngetyala, iya kuhlawula malini? Ayiyonto intsha. Ngaba uyayicinga le nto? Ukuqaphela iinkcukacha ezinjalo kuya kuba sele kukusondeza kakhulu kwiinjongo zakho zemali.

Lungiselela inkcitho kumakhadi

Iibhalansi zitshintshelwa ngokuzenzekelayo kwidiphozithi kwinzala.

Yenza uluhlu lwezinto ezithengiweyo “elunxwemeni”

“Faka imirhumo ngesihlungu”

Unxibelelwano, i-Intanethi, imirhumo ehlawulwayo. Khubaza ubhaliso olungeyomfuneko kwifowuni yakho nakwiTV.

Musa ngoyaba iinkqubo bonus kunye cashback

Phantse zonke ivenkile zibonelela ngezaphulelo kubathengi. Musa ukonqena ukufumanisa ngazo.

Qala ukutyala imali kwixa elizayo ngoku

Kwimfundo, ulwazi, ukwabelana. Esikhundleni seintanethi zentlalo kunye neTV, funda incwadi, ufunde ulwazi oluncedo, vula i-akhawunti ye-brokerage, ufunde isakhono esitsha.

Qala ukuvelisa ingeniso ye-passive

Unokutyala imali kwi-ruble ye-1-5k kwizabelo zezinye “ii- chips eziluhlaza okwesibhakabhaka ” ezinokukhula okuhle kunye nezabelo.

Fumana ukuba yintoni ukuxhuzulwa kwerhafu, mhlawumbi unelungelo?

Ukuphucula ulwazi lwezemali

Owakho, abo ubathandayo kunye nabantwana bakho.

Zimbini iindlela zokuphucula imeko yakho yezemali: chitha kancinci okanye ufumane ngaphezulu. Kwaye kungcono ukudibanisa.

Imibuzo yokufunda ngemali malunga notyalo-mali kunye nokonga

Utyalo-mali kufuneka lusebenzele wena, hayi ukuba usebenzele utyalo-mali

Kutheni umntu efuna isicwangciso sotyalo-mali lwakhe? Njengoko ndiyibona, ukuze kwakhiwe ibhalansi efanelekileyo phakathi kwemeko yezemali namhlanje nakwixesha elizayo. Kwaye isicwangciso sotyalo-mali kufuneka sakhiwe ngobulumko kwaye ngokobuqu ukuze silungele i-psychotype yakho. Ukwenza wena ukhululeke! Iindlela ezimbini ezigqithileyo ongafanele uye kuzo.

Iidayimani ezingenakubalwa kwimiqolomba yamatye

Utyalo-mali alukho isiphelo ngokwalo, kodwa indlela yokuphila ubomi obuphezulu obuphezulu kwixesha apho isantya sokucinga kunye namandla omzimba akukuvumeli ukuba ufumane imali ngeendlela ezisebenzayo.

Kodwa esi ayisosizathu sokuphila kakubi okwangoku, ukuhlehlisa konke okulungileyo kubudala obunemiqathango. Utyalo-mali kufuneka lukhululeke kwaye lube nengqiqo.

Kungenjalo kuya kuba ngathi ebalini: “Ama-apile sele evuniwe. Umfazi wayalela ukuba ama-apile awayesele eqalisile ukubola adliwe ukuze angamoshi. Ngoxa ama-apile abolileyo etyiwa, lawo alungileyo aqalisa ukubola. Ekugqibeleni, badla kuphela ezo zibolileyo.” Kufuneka uhlale apha kwaye ngoku. Kodwa kukuphila, kwaye hayi ukutshisa ngokuhlanya.

Watya, wahamba kwaye wonwabile, kodwa akazange azenzele imali

Kodwa ukuphila usuku olunye ngexesha kukuphambana. Kwaye kufuneka sikhathalele ikamva namhlanje, ngelixa sisenalo ithuba. Sukusela iibhotile ezili-10 zebhiya, ungatyi izinja ezishushu ezili-10, ungathengi i-smartphone ethandekayo. Oku akukho malunga nezithintelo. Kwaye malunga notyalo-mali smart. Kukho intsomi kaKrylov “I-Dragonfly kunye ne-Ant” malunga nabachitha kunye nabatshisi. Ndincoma ukuyifunda kungekuphela nje abantwana. “I-Jumping Dragonfly yayicula ihlobo elibomvu; Andizange ndibenalo ixesha lokujonga ngasemva njengoko ubusika buqengqeleka emehlweni am. Intsimi ecocekileyo ifile; Azisekho iintsuku eziqaqambileyo, njengoko phantsi kwegqabi ngalinye itafile nendlu bezilungile. Yonke into idlulile: ngobusika obubandayo, Isidingo, indlala iyeza…”

Wonke umntu unebhalansi yakhe

Kukho abantu abakuthandayo ukurhweba. Ngenxa yoko, banokugcina ngokulula kwaye batyale imali. Kukho udidi lwesibini, abo banandipha oko bakuchithayo. Kunzima kubo ukugcina. Bazityala kwiimvakalelo kwaye ngubani onelungelo lokubabeka ityala?

Ulwazi lwezezimali luyi-20% yolwazi lwezixhobo kunye nezicwangciso kunye ne-80% ukukwazi ukuziqonda wena, iminqweno kunye neemfuno zakho ngoku nakwixesha elide.

Apho utyala imali ngobulumko kwaye ngaphandle kwemithambo-luvo kwingxaki – inzala iya kukuxelela

Ukubetha njani ukunyuka kwamaxabiso-isifundo esiphucuke ngakumbi malunga nolwazi lwezemali oluvela kwi-opexbota. Kunzima ukogqitha ukunyuka kwamaxabiso, kodwa makhe sizame. Okanye ubuncinci ikhefu. Ewe, ukuze ikhuseleke ngokwentelekiso. Ngoko ke, ukunyuka kwamaxabiso ekupheleni kuka-2022 kwakuyi-12%.

Iibhondi

10-14% isivuno. Kukho iinketho apho imingcipheko iya kuba phakathi. Wachaza ukuba kutheni ukutyalomali kwiibhondi kungcono kunokuthatha imali ebhankini. Andiyi kuphinda.

” Iichips eziluhlaza “- izabelo ze-echelon yokuqala yeRussian Federation

Ngexesha elide, iinkampani ezininzi zikhula ngokuthe ngcembe. Iinkokeli zokuKhula zonyaka Sber + 92%; I-MTS + 40%; I-NOVATEK + 25%; Tatneft +9%. Iinkcukacha ezininzi apha . Kwaye iidivas ezide zihlawula. Kulo nyaka i-divas ihlawule, okanye iya kuhlawula, i-Sberbank, i-Beluga Group, i-NOVATEK kunye nabanye. Kodwa kukho kwakhona imizekelo ephikisayo: ukuwa. Ukwahluka kuyafuneka. Ukwakha ipotfoliyo ngobulumko ngumsebenzi onzima kumntu oqalayo. Ukuba awunalo ixesha lokuyiqikelela, ke:

Iingxowa-mali ezihlangeneyo kunye nee-ETF – iipotifoliyo esele zenziwe

Ikuvumela ukuba utyale imali encinci. Ngokomzekelo, ngokuthenga isabelo sengxowa-mali yotyalo-mali edibeneyo edityaniswe ne-index yaseMoscow Exchange, uya kutyala ngokukhawuleza kuzo zonke izabelo zeenkampani zaseRashiya eziphambili. Iibhonasi: ukhetho olubanzi, ukuthembeka, ukutsalwa kwerhafu. Inzuzo inokuya kuthi ga kwi-20-30% ngonyaka. Ulwazi luyafumaneka kuluntu.

Igolide

I-13.26% ibuyile kulo nyaka uphelileyo. Inketho yokusebenza yotyalo-mali lwexesha elide. Ukutyhubela iminyaka, ixabiso lentsimbi exabisekileyo landa kuphela, kwaye ngexesha leenkathazo, ukukhula kukhawuleza. Ewe, ukuthengisa / ukutshintshiselana ngegolide kukunceda uphile kwimeko enzima.

Into endingayi kucebisa ngayo

1. Idiphozithi . 8-10% ngonyaka. Ukunyuka kwamaxabiso kuya kuphumelela. Okwangoku akukho zidiphozithi eRussia ezinokudlula ukunyuka kwamaxabiso ngokwepesenti. Kwaye ingxaki yeebhanki ayizange irhoxiswe. I-Dummy capsules inokufumaneka nakwi-Russian Federation.
2. Imali . 0% ngonyaka. Imali kufuneka isebenze. Phantsi komandlalo, imali ithotywa kukunyuka kwamaxabiso yonke imihla. Kwaye banokuthi “baxakeke” ngabantwana, “iimfuno” ezingalindelekanga kunye nezifuneka kakhulu, okanye amasela. Kufuneka kubekho imali, kodwa njengomqamelo wemali onokuthi ufikelele kuwo ngoko nangoko.
3. Izindlu ezithengiswayo zizinzo. Utyalo-mali lwezakhiwo sesinye sezona zixhobo zikhuselekileyo ezikhoyo namhlanje. Kodwa hayi nakweyiphi na inkunzi.

https://youtu.be/0MRATvTlwPI?si=LQ2KHJyuHVkQwUuj

Ukhuseleko lwezemali kwiimeko ezinzima: isicwangciso esisebenzayo nesiqondakalayo

1. Airbag . Ukhuseleko aluyomali, kodwa lusapho. Asiyichukumisi, kuphela kwiimeko xa singenako ukuyibamba.
2. Umnatha wokhuseleko lwemali . Inxalenye yemali kufuneka ihlale ikwi-cache ukuze ikwazi ukuthenga kwakhona ukutsala.
3. Amaxabiso awanakuwela kuphela kwi-zero, kodwa kunye nokukhupha . Sisebenzisa umqamelo kwiindawo ukuze singalumi iingqiniba zethu xa izabelo ziwela ngesiqingatha, emva kokuba sele ziwile ngesiqingatha.
4. Akukho zintshukumo zesiquphe . Ngokuqhelekileyo onke amadada amnyama afika ngamaxesha angengaworhweba. Kwaye ukuba iyarhweba, ke iifandesi zivala ngokukhawuleza okukhulu. Ke ngoko, ukuba utyala imali ixesha elide, kuya kufuneka uphume kuphela kwizitokhwe njengendlela yokugqibela. Uya kuqonda ukuba nini, kodwa ngokuqinisekileyo uya kukhetha ukuthenga ngaphezulu kunye ne-avareji isikhundla.
5. Kukho isicwangciso esinjalo sokuba i-cushion yezemali ilele kwiibhondi ezimfutshane . Kwaye uthenga kuphela kanye rhoqo kwiinyanga ezi-3-6. Oku kwenza kube nokwenzeka ukuba ungenzi ukunyakaza okungafunekiyo, okanye ukungena kwimimiselo engcono.
6. Ungalibali ukusebenzisa inkonzo yezibalo ukujonga iindleko zekhomishini eTinkoff . Kudala kakhulu ngenxa yezenzo ezingeyomfuneko. Ngaphandle koko, sebenzisa ikamva, vala urhwebo lwakho ebusuku kwaye ulale kakuhle.

Ungatyala phi imali encinci: tyala imali eyi-10,000, 20,000, 30,000 ruble

Imibuzo emalunga nokubolekwa kwemali

Phambi kokuba uthathe imali-mboleko: vavanya imingcipheko, izibonelelo kunye nobuchule bakho

KUBALULEKILE! Imithetho endiyilandelayo kuyo nayiphi na imeko engacacanga!

Yima kwaye ucinge malunga namanyathelo onokuwathatha ngoku ukuze uphephe ukungena engxakini kwikamva elikufutshane okanye elikude kwaye uphucule imeko yakho. Yikhathalele i-psyche yakho, musa ukubeka iliso kwizixhobo ze-Intanethi ngomzuzu ngamnye. Ingxolo yolwazi ivala ingqondo kuphela kwaye iphazamise ukucinga okwaneleyo. Musa ukubaqhatha abantwana bakho. Imeko iya kuphela, ukulimala kuya kuhlala.

Imali egciniweyo

Inkulungwane yamashumi amabini ananye, iintlawulo ezingaqhagamshelwanga – yonke into ilungile. Kodwa abayi kukunceda ukuba uthenge izinto ezisetyenzisiweyo okanye uhlawule iteksi kwisixeko esingaziwayo ebusuku xa ikhadi lakho lingamkelwa ngequbuliso. Kodwa musa ukususa yonke into kumakhadi. Imali eyongezelelweyo kwiipokotho zakho kwimeko enjalo nayo ayilunganga.

Ukunikezelwa kwamanzi kunye nokutya iintsuku ezininzi

Iimeko zinokuvela xa ungafuni ukuphuma endlwini. Yaye ukuhanjiswa kwindlu ngendlu akuyi kusebenza. Sikhupha iicereal, izinto ezinkonkxiweyo, nokutya okulungisiweyo kwisikhenkcisi size sihlale ekhaya, sikhuselekile.

Itanki epheleleyo yepetroli, ibhanki yamandla ehlawuliweyo-ithotshi-ifowuni…

Ukuba kukho iindawo apho unokuqokelela khona amandla, ke kungcono ukwenza oku kwangaphambili. Kwaye kungekhona ngenxa yokuba la mandla akayi kuba khona kamva, kodwa ukuze abe khona xa wonke umntu ngokukhawuleza eqala ukuwuqokelela. Yonke indawo yobomi bethu isekwe kwibhalansi. Okona kungalingani kuncinci kuyilayisha kakhulu inkqubo, imigca kunye nemincili iyaqala, kwaye akusekho okwaneleyo kumntu wonke. Ngeli xesha, uhlala nje ekhaya kwaye ubukele okwenzekayo de yonke into ibuyele esiqhelweni.

“I-Alarm suitcase”

Kufuneka iqulathe: amaxwebhu, imali, ikiti yoncedo lokuqala, unikezelo lwamanzi kunye nokutya iintsuku ezintathu, ukutya komntwana, ukuba kuyimfuneko. Ukuba ufuna ukulishiya ikhaya lakho ngokukhawuleza kwaye unokubamba into enye, iya kuba yintoni?

Indawo yokuqokelela kunye neefowuni

Ukuthetha inyani, andikayiqondi ngokupheleleyo le nto ngokwam. Kodwa ndiyazi ukuba abazali bam nomfazi bayayazi ngentloko inombolo yam yefowuni. Xa umntwana ekhula, uya kuyazi ngokuchanekileyo idilesi, inombolo yefowuni + inqaku kunye nale nto kwiingubo zakhe.

Akukho zixhobo zonyaka

Xa kuqalisa ukungxama, wonke umntu uqalisa ukukrazula yonke into ayibonayo ezishelufini. Awukwazi ukugcina ubomi bakho bonke. Unikezelo lufunekayo ubuninzi beveki, de kube imeko icace kwaye yonke into ibuyele ngokuqhelekileyo. Kwaye kubalulekile xa imeko icaca, umzekelo, kuyacaca ukuba akukho nanye yale nto yayiluncedo. Kufuneka kubekho ingcamango: “Kuhle ukuba konke oku akuncedi ngoku, akuyi kuchitha, ndilungile,” kwaye kungekhona: “Omg! Ewe, bekuyimfuneko ukuthenga yonke le nto kwinkungu kunye nendawo yokubeka yonke. ”

Funda, i-crypto kunye nezinye izinto ezingenamsebenzi

Eyona nto ixabisekileyo bubomi nempilo yentsapho. Yonke enye into yisithiyelo. Ewe, kucacile ukuba abo bebekwimali yangaphandle ngoku bazolile. Ukuba imarike iyawa, yithenge kwakhona. Ukuba uyakhula…kutheni ngoku ezokhula? Musa ukuthenga ii-ruble ze-120, musa ukuhlaziya i-akhawunti yakho ye-brokerage yonke iminithi. Ukwenza isigqibo kuyo yonke into ebhaliweyo: ukuba isihlwele sibaleka kwindawo ethile, kuya kuba kuhle ukulindela kwangaphambili kwaye ube khona ngosuku olungaphambili. Kufana nokufika emsebenzini kwimizuzu elishumi elinesihlanu phambi kwengxinano yezithuthi. Ewe, oku kumalunga neyure enye ngaphambili kunaye wonke umntu, kodwa eli lixesha elipheleleyo lokusebenza, endaweni yokuma kwi-traffic jam kunye nemithambo-luvo evuthayo kunye nepetroli. Zikhathalele!