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

Inqaku lenziwe njengengqokelela yezithuba ezidumileyo malunga mboleko kwitshaneli yetelegram ye -OpexBot . Yongezwe kwaye yaphuculwa. Kwijelo leTelegram unokufunda uluvo lwamaRashiya kulo mbandela. Kwaye siya kuqhubeka. Ityala ikakhulu sisixhobo. Njengaso nasiphi na isixhobo, kufuneka ukwazi ukusisebenzisa kwaye uqonde ukuba senzelwe ntoni. Kubalulekile ukuqonda xa unokuyithatha, xa ungakwazi, kunye nendlela yokubuyisela imali ebolekiweyo.

Musa ukuthabatha okanye unike imali-mboleko de ukuqonde oku

Akufunekanga uhlawule izibophelelo zetyala ngee-asethi ezivelisa ngaphezulu konyaka kunenzala kwimali-mboleko. Oku kunokuba ngamabhondi, idiphozithi, izabelo, ishishini. Akukho mfuneko yokurhoxisa ngokukhawuleza imali kwi-akhawunti ye-brokerage, ukuthengisa ishishini, okanye ukuvala idiphozithi. Le yindlela ishishini elisebenza ngayo xa lithatha imali-mboleko yophuhliso. Xa ihlawula inzala kwingeniso. Kwaye unenzuzo eyongezelelweyo.

Hlawula imali-mboleko ngamatyala

Imali-mboleko idla ngokuthathwa kubo. Phatha imali-mboleko kunye nobomi njengeshishini. Ukuba kukho ityala ekuthathwe kulo imali-mboleko, kwaye inzima kuwe, yithengise kwaye uvale. Umzekelo, imoto okanye ifowuni ekhutshwe kwimvakalelo. Apha sinokufikelela kwisigqibo esichaseneyo. Ukuthatha imali-mboleko ukulungisa ingxaki yakho yimpazamo. Amaxesha amaninzi oku kwenziwa ngabantu a) abangafuni ukusebenzisa iingqondo zabo ukusombulula iingxaki; b) baqhele ukuphila ngaphaya kwamandla abo; c) bathanda ukuqhayisa.

Imoto, iTV, indlu enkulu – zonke ezi ngamatyala.

Unako ukuboleka imali kwiimfuno zemveliso. Ukuba imodeli yeshishini ithetha inzuzo ephezulu kunezinga lenzala. Kule meko, utyala imali kwishishini eliya kukuvelisela ngakumbi.

Utyelelo ngomzuzu wokugqibela kubukhoboka bamatyala

Ukuba ukhe uzive usisidenge, cinga ngabo bathathe imali-mboleko yeholide, okanye umtshato.

I-quintessential shortsightedness ithatha imali-mboleko ye-honeymoon yakho. Ukuba netyala elingahlawulwanga lomsitho womtshato ngokwawo. Kodwa bacinga ntoni abafundi bethu malunga nemali mboleko yeholide: Iinkcukacha-manani ezinomdla:

1. Inqaku 1. Yonke iRashiya yesihlanu iya kwiholide ngetyala. Amakhadi okuthenga ngetyala kunye nemali-mboleko yemali ziyaziwayo.
2. Inqaku lesi-2. Imali mboleko yeholide idla ngokujika ibe ngamatyala ayingxaki. Kuba imali-mboleko enjalo idla ngokuhlawuliswa ngokweemvakalelo.

Wonke umntu kufuneka aphumle ukuze i-cuckoo ingavakali yonke into ecacileyo. Kodwa kufuneka uphumle ngendlela oyifumene ngayo – uwedwa. Kwinqanaba lokuqokelela inkunzi, ndathatha imoto, intente ndaya elwandle, umlambo, okanye kwikhaya leeholide elingabizi. Ngethamsanqa, kukho iindawo ezininzi ezintle kwi-Russian Federation.

Akukho mntu ulurhoxisileyo ukhenketho lwasekhaya. Ngoku, ngokwezibalo, abantu baseRashiya abazizigidi ezingama-70 bahamba ngaphakathi kweli lizwe.

Iholide imalunga neemvakalelo, kwaye iimvakalelo ngokuyintloko zixhomekeke kuthi nakwindlela esivakalelwa ngayo ngeziqu zethu. Ngaba kungcono ukuphumla ngokupholileyo elunxwemeni lomlambo unoxolo lwengqondo? Okanye uthathe imali-mboleko ye-300k kwi-20% kwaye, ngelixa usela i-cocktail e-sweetened e-Turkey, cinga malunga nendlela yokubuyisela ngayo? Umbuzo buciko.

Masiyiqonde, masenze izibalo

Siyigxotha ngokukhawuleza imibutho yemali encinci kunye ne-40-50% ngonyaka. Ayivumelekanga. Imali-mboleko yomthengi evela ebhankini: i-20-30%, nayo ibiza kakhulu. Ndithathe i-100k, i-10k yentlawulo yenyanga. Intlawulo engaphezulu ukuya kuthi ga kwi-24k. Kodwa njengenketho. Ikhadi letyala . Kukho amakhadi okuthenga ngetyala angenanzala. Kodwa ezi zinee-nuances ezininzi ngenkonzo, iikhomishini, iimeko ezongezelelweyo kunye nezohlwayo. Kwaye okukhona icace ngakumbi imigaqo kwikhadi lokuthenga ngetyala, kokukhona inyuka izinga lenzala. Ukususela kwi-20-30% nangaphezulu. Ukuba sele ugqibile, funda iimeko ngokusondeleyo, zonke “iinkwenkwezi kunye neenkwenkwezi”. Akufunekanga uvule umda we-300k ngomvuzo wama-50k. Ndicinga ukuba oku kucacile? ⁉ Imali mboleko yeholide ekujoliswe kuyo. Inzuzo kukuba amazinga enzala aphantsi. Kodwa ukhenketho lunokuthatyathwa kuphela kwinkampani yeqabane kunye neenjongo ezichazwe ngokucacileyo: amathikithi, igumbi, uhambo.

Musa ukuboleka imali yeholide

Kodwa ukuba kukho umsebenzi onjalo, thelekisa ngokucophelela izibonelelo. Ngamanye amaxesha imali mboleko yomthengi ijika ibe yinzuzo ngakumbi kunonikezelo lomkhenkethi. Sebenzisa isixhobo sokubala imali-mboleko. Emva koko funda imigibe yomntu ngamnye. Ngokuqinisekileyo baya kwenza njalo.

Soloko unesicwangciso sokugcina. Uyakwenza ntoni ukuba ikhadi letyala alisebenzi eTurkey?

Kodwa ngokubanzi, le yindlela ekhethekileyo egqwethekileyo ye-masochism – ukutshintshisa iiveki ezimbini zeemvakalelo ezintle kwiminyaka emi-2 yobukhoboka betyala.

Kukho ipilisi eswiti

Kukho iinketho kunye neemeko xa unokuthatha imali mboleko yeholide. Ngamanye amaxesha kuyimfuneko! Nini, kutheni kwaye ukwenza njani ngokuchanekileyo, ndiya kukuxelela ngakumbi.

Bona uqaqa kwaye ungatshoni ematyaleni

Ke, xa imali mboleko yeholide ingaba luluvo olulungileyo?

Imali-mboleko inokunceda ukulungisa iindleko zohambo

Ukuba uyazi ngokuthe ngqo ukuba uya kuba phi kwaye nini iholide, ungalungisa amaxabiso avumayo amatikiti kunye nendawo yokuhlala kwangaphambili. Imeko apho kungekho mali, kodwa kuya kubakho kungekudala, kwaye ukhenketho kufuneka luthathwe apha kwaye ngoku kwixabiso eliphantsi.

Imali mboleko yeholide inokuqwalaselwa njengotyalo-mali

Makhe ndichaze: kukho umahluko omkhulu phakathi kokuthatha imali-mboleko (kwimeko yethu yeholide) xa ungenayo imali kwaye xa unentabalala.

Xa unemali, kodwa awufuni kukhupha imali kwi-asethi yakho: utyalo-mali, ishishini. Masithi unayo i-ruble ye-500k kwizibambiso kwi-2% yesivuno ngenyanga. Ngu 10k ngenyanga. Ngoko kutheni uthabatha imali kubo ukuba unokuhlawula inzala kwi-ruble ye-5k.

Kukho isicwangciso esicacileyo sokubuyisela imali-mboleko ethatyathwe kwiholide

Kwaye inketho yekhadi lekhredithi ifunyenwe apho akufanele uhlawule inzala. Ngokomzekelo, kukho ixesha lokukhusela, apho kwezinye iibhanki zinokuba yi-30-60 iintsuku. Abanye baphinde babuyisele imali evela kuhambo olubuyela kwikhadi. Ixesha lobabalo kunye nezinye iimeko ziyahluka imihla ngemihla. Kufuneka ibekwe esweni ngononophelo.

Kodwa ngokusisiseko ndichasene nokuthatha iholide enjalo ngengcinga: ngenye imini ndiya kukhala.

Kodwa ngokombono wam, kungcono ukugcina imali yeholide. Akunjalo kwi-cache. Ukuthintela ukunyuka kwamaxabiso ekuphangweni. Ungagcina kwidiphozithi eyahlukileyo ukuze ithontsi yepeni. Okanye utyalomali kwi-OFZ, umzekelo, kanye ngexesha lehlobo elizayo kwaye amakhuphoni aya kufumaneka kwaye anokuthengiswa. Ungagcina kwiinyanga ezili-10 ngaphandle kokonakalisa ibhajethi yakho nangaliphi na inqanaba lomvuzo. Njani? Ndiza kukuxelela ngakumbi.

Gcina, yiya kwiholide kwaye ungaphambani

Ungagcina iholide ngaphandle kokubeka esichengeni ibhajethi yakho kunye nendlela yokuphila. Iseti yemilinganiselo apho umRashiya onomvuzo ophakathi okanye ophantsi unokugxila kuyo. Ngaba siza kuyiqonda? Masahlule konke okunokwenzeka kumaqela amabini: ukuqokelela kunye nokugcina.

Ukuqokelela

Umsebenzi wokuqala kukumisela injongo ngexesha elifanelekileyo ukuze ngaphambi kweholide yakho ngokukhawuleza ungathathi mboleko kunye nezibonelelo ezingonelanga ezivela kubakhenkethi. Ngokomzekelo, injongo ethile yiTurkey 6/7 kwi-5 * abantu abadala ababini kunye nomntwana kwi-ruble ye-60k. Sifaka i-inflation, izinga lokutshintshiselwa kwe-ruble kunye neminye imingcipheko. Sifumana i-80k esiyidingayo ukuyigcina ngonyaka kwiholide ngo-Agasti 2024. Oko kukuthi, kufuneka sigcine malunga ne-6,700 ruble ngenyanga. Ukugcina i-10-15% yomvuzo wabo bahamba emva kwexesha lukhetho olusebenzayo apho abantu abaninzi bengayi kuqaphela ukuwohloka kwendlela yabo yokuphila. Ngaba ingaphantsi kwesixa esifunekayo? Ngokomzekelo, ngomvuzo we-40,000, kuya kwenzeka ukuba ugcine i-4,000.

Ukucinga njengomtyali-mali

Sisebenzisa ii-OFZ zexeshana elifutshane. Isivuno siphezulu kuneso sediphozithi. Ukunyuka kwenkunzi ngendlela yamakhuphoni kuya kuba yinto engabalulekanga, kodwa izinzile. Ngonyaka, izibambiso zinokuthengiswa kwaye ukunyuka kwamaxabiso kuya kuncitshiswa. Kungcono ukungangeni kwizixhobo ezinengeniso eninzi kodwa eziyingozi ungenalwazi. Iibhondi zemfuno ze-OFZ-PD kunye ne-OFZ-n. Le yokugqibela inokuthi ikhululwe phambi kweshedyuli ngexabiso elingekho ngaphezu kwexabiso lobuso kwaye lingekho ngaphantsi kwexabiso lokuthenga. Unokuvula i-akhawunti ye-brokerage ukuthenga iibhondi, umzekelo, kwi-FINAM. Apho ungakhetha ibhondi ngokweeparamitha ezikhankanyiweyo. Beka bucala i-10-15% yawo wonke umvuzo, hayi umvuzo kuphela. Ibhonasi, izipho, umsebenzi wethutyana. Ukuba unokwenza okungakumbi, kuhle. Kuthekani ukuba ulungelelanisa ubomi bakho kwiholide esisigxina. “Umsebenzi wonyaka, uphumle iintsuku ezili-14” ngokuthe ngcembe uphelelwa lixesha. Kutshanje iye yajikiswa

Iyagcina

Ngendlela, i-ruble ye-6,700 yindleko eqikelelwayo yeepakethi ze-30 zecuba. Bambalwa abantu abayeka ukutshaya ngenxa yeengxaki zemali. Kodwa yinyani enomdla. Ukuba ungagcina ama-4,000 kwi-6,700 oyifunayo, fumana into ongagcina enye i-2,700 kuyo.Zininzi iinketho. Ndiza kubonisa ukuba zeziphi endizisebenzisayo. Kwezinye iimali, iinjongo kunye nemihla yokugqibela, kodwa oko akunamsebenzi. Ucwangciso lwezemali . Qiniseka ukuba ugcina idayari yenkcitho. Iphepha, i-elektroniki kwi-smartphone, edityaniswe nekhadi lebhanki. Ingumbandela wokungcamla, kodwa ukhetho lubanzi. Kukho ithuba lokuba ushiye nje i-2700 yokutya okukhawulezayo. Ngaba uyayidinga? Amatikiti. Ukuba uhamba wedwa, thenga amatikiti kwiinyanga ezi-2-3 kwangaphambili. Ukusuka kuloo nxalenye yohlahlo lwabiwo-mali oluya kusekwa ngo-Epreli 2024. Ixabiso eliphantsi. Funda iindlela. Umzekelo, ukuhamba ngenqwelomoya nge-Sochi kunokuba yi-10-15k ngexabiso eliphantsi kunokudlula eMoscow. Ukubala okulula, imathematika kwaye sele uyayazi indlela yokufezekisa injongo yakho.

Kubalulekile ukuqonda kuphela ekugqibeleni – ngaba le yinjongo yakho yokwenene, okanye yamkelwe nje? Mhlawumbi kufanelekile ukuchitha iholide kude nabantu phantse simahla, kwaye utyale imali eyi-80k egciniweyo kushishino, izibambiso, imfundo?

Ke iTürkiye 2024? Ungaqala ngoku. Sizibekela usukelo lwethu lobuqu. Sigcina, kwaye xa iphuma, sigcina ngobulumko. Kwaye ngonyaka siza kucinga malunga nokuba senze ntoni ngobu butyebi. Izinto eziphambili ziyatshintsha, kodwa amatikiti angabuyiswa.

Uyibuyisela njani imali-mboleko ngokukhawuleza nangempumelelo kangangoko

Gcina iindlela ezimbini ezidumileyo kunye nezisebenzayo ezingqinwe ngophando: i-snowball kunye ne-avalanche yekhephu . Malunga ne-50% yabantu baseRashiya banemali-mboleko. Abantu abaninzi banemali-mboleko/amatyala angaphezulu kwesinye. Iinkcukacha-manani kufuneka zilungiswe. Akunjalo? Kwaye luhlobo luni lotyalo-mali esinokuthetha ngalo ngelixa usematyaleni ngokunzulu? Ingxaki ayikho nakwimali-mboleko ngokwayo. Ingxaki kukuba abaninzi bazama ukuwacima ngaphandle kweqhinga elicacileyo. Ke ngoko bantywila ematyaleni iminyaka, behlawula inzala engaphezulu, kodwa bengayibuyiseli ibhalansi yemboleko.

Ibhola yekhephu

Isicwangciso kukuhlawula imali mboleko ukusuka kweyona incinci ukuya kwenkulu.

Umyalelo umiselwa yimali etyalwayo, hayi inzala.

Ngexesha elifanayo, kubo bonke kodwa encinci, intlawulo encinci efunekayo ihlawulwe. Siphosa onke amandla ethu kwelona tyala lincinci. Emva kokuvalwa kwetyala elincinci, siqondisa zonke izixhobo ezikhululiwe ukuvala okwesibini, emva koko okwesithathu. Into esinayo. Ngetyala ngalinye elivaliweyo, umthwalo wengqondo uyancipha. Kwaye kwakhona, njengebhola yekhephu, uvimba okhutshiweyo uyaqokelela ukuze usebenze kunye nomzimba wemboleko kumatyala amakhulu.

ikhephu leqhwa

Indlela yokubuyisela iimali-mboleko apho zibuyiswa khona kuqala ngenzala ephezulu.

Emva kokuhlawula imali-mboleko ngeyona ndlela yenzala iphezulu, badlulela kwimali-mboleko kunye nenzala ephezulu elandelayo. Qhubeka de kugutyungelwe yonke into.

Yeyiphi esebenzayo ngakumbi?

Ukusuka kwimbono yezibalo, indlela ye-avalanche yekhephu isebenza ngakumbi. Ngokuhamba kwexesha, i-snowball ihlawula inzala eninzi kunendlela ye-snowball, egxile kumazinga enzala. Abantu, ubukhulu becala, abazozidalwa ezinengqiqo. Kwaye imali yobuqu yi-20% yolwazi kunye ne-80% yokuziphatha. Uphando lubonisa ukuba abantu abazama ukunciphisa amatyala bafuna “ukuphumelela ngokukhawuleza” (oko kukuthi, ukuhlawula elona tyala lincinci) ukuze bahlale bekhuthazekile ukunciphisa amatyala abo. Ngaloo ndlela, iinjongo ezincinci ezicacileyo ukuba zivale njani zinomtsalane kwabaninzi. Ukuba izinto zengqondo zingaqhelekanga kuwe kwaye uyingcali yezibalo, ngoko kufuneka ulandele indlela ye-avalanche. Injongo yam kukutyala imbewu yenyaniso kwaye ndityhile ukuqonda inkqubo. Into ekufuneka uyenzile ngokuqinisekileyo