Inqaku lenziwe ngokusekelwe kuluhlu lwezithuba ezivela kwitshaneli yeTelegram ye-OpexBot , eyongezwa ngumbono wombhali kunye nombono we-AI. Kutheni kunokwenzeka ukurhweba ngediphozithi encinci, kwaye nokuba kuyimfuneko kubantu abatsha kwimarike yemasheya, kunye nendlela yokwandisa ngokukhuselekileyo nangokucwangcisiweyo.
Ayibobukhulu obubalulekileyo, kodwa bubuchule bokuyisebenzisa.
Nomakhulu uyakwazi ukurhweba
Ingundoqo yokurhweba kukuba unokurhweba nge-ruble ye-2-5k ezandleni zakho. Umgibe ngulo. Kukho uluvo lokuba ifomula yengeniso ezinzileyo kunye nephezulu evela kurhwebo yile: idiphozithi enkulu + uhlalutyo lobugcisa.
Enyanisweni, ifomula yempumelelo yile: idiphozithi encinci + uhlalutyo lobugcisa + urhwebo lwengqondo.
Ukuba ubeka yonke imali oyigcinileyo kwi-akhawunti, awuyi kukwazi ukucinga ngokufanelekileyo kwaye uthathe amanyathelo okuqala. Uya kukhathazwa luloyiko lokuphulukana nayo yonke imali yakho ngexesha elinye, kwaye uxinzelelo luya kuyichaphazela imivuzo yethu. Imigaqo ebalulekileyo kurhwebo:
- Ukurhweba ngentloko epholileyo, ngaphandle kokuhaha nokuthanda!
- Qala ngexabiso elincinci kunye nokunyuka okuncinci kwi%.
Uyonyusa njani ngokufanelekileyo idiphozithi yakho kunye ne%?
Masithi kukho ii-ruble ze-5k. Sibeka injongo yokuqala – ukwenza i-30% yediphozithi yethu. Xa ufezekisa le njongo kwaye uzive uzithembile, ke ngenyanga ezayo phakamisa idiphozithi yakho kwi-ruble ye-10k! Kwaye uzame ukwenza i-40% yediphozithi ngenyanga. Ngokuthobela ukunyuka okuqhubekayo kwidiphozithi kunye ne%, kwiinyanga ezimbalwa uya kuba nexabiso elimangalisayo kunye nengeniso ezinzileyo, ngaphandle koxinzelelo. Kukho umgaqo ekurhwebeni: ngokukhawuleza uhamba, ngokukhawuleza uya kuhamba. Ke ngoko, ungazami ukufumana yonke imali esehlabathini, kungenjalo uya kuphulukana nayo. https://youtu.be/iAF324Rih50
Ukurhweba ngediphozithi encinci kunokwenzeka
Ukurhweba kwimarike ye-asethi yemali kunokuba yindlela ehehayo yokwenza imali. Nangona kunjalo, abathengisi abaninzi be-novice bajongene nengxaki yediphozithi encinci. Nangona kunjalo, kukho izicwangciso ezininzi ezikuvumela ukuba uthengise ngediphozithi encinci.
Ukukhetha umthengisi
Inyathelo lokuqala lokurhweba ngempumelelo ngediphozithi encinci kukukhetha umthengisi ofanelekileyo. Abanye abarhwebi banikezela ngeemfuno zediphozithi ezincinci, ezikuvumela ukuba uqalise ukurhweba ngexabiso elincinci. Kwakhona kubalulekile ukujonga isidima somthengisi kunye nokuqinisekisa ukuthembeka kwayo ukuze ugweme ubuqhetseba.
Ukukhetha iqhinga
Isinyathelo sesibini kukuphuhlisa isicwangciso sokurhweba. Nangona idiphozithi encinci, kubalulekile ukuba ube nesicwangciso esicacileyo sesenzo. Oku kunokubandakanya ukuhlalutya imarike kunye nokuchonga iindawo zokungena kunye nokuphuma kurhwebo. Ukuphuhlisa isicwangciso kuya kunceda ukunciphisa umngcipheko kunye nokwandisa amathuba okufumana inzuzo.
Ulawulo lweNkunzi
Inyathelo lesithathu kulawulo lwemali. Xa uthengisa ngediphozithi encinci, kubaluleke kakhulu ukusasaza imali yakho ngokufanelekileyo. Kucetyiswa ukuba ungabi mngcipheko ngaphezu kwe-2-3% yediphozithi iyonke kwintengiso enye. Oku kuya kunceda ukuphepha ilahleko enkulu kunye nokugcina inkunzi ukwenzela imisebenzi elandelayo.
Ixesha lokurhweba
Isinyathelo sesine sicwangcisa ixesha lakho lokurhweba. Kubarhwebi abanediphozithi encinci, kubalulekile ukukhetha amaxesha anokungaguquguquki okuphezulu kunye nobutyebi. Oku kuya kunceda ukwenza imisebenzi ibe yimpumelelo kwaye yandise amathuba okwenza inzuzo.
Funda kwaye ufunde
Inyathelo lokugqibela kukufunda kwiimpazamo zakho. Elinye lawona macandelo abalulekileyo okuphumelela ekurhwebeni kukuzifundisa rhoqo. Kubalulekile ukuhlalutya urhwebo lwakho, uchonge iimpazamo kwaye ufunde kuzo. Oku kuya kukunceda uphucule isicwangciso sakho kwaye ube ngumrhwebi ophumelele ngakumbi. Ukurhweba ngediphozithi encinci kunokuba ngumngeni, kodwa akunakwenzeka. Ngendlela efanelekileyo, isicwangciso kunye nokulawulwa kwemali, wonke umrhwebi unokufikelela kwimpumelelo. Ukurhweba kwimakethi ye-asethi yemali kuthatha ixesha, umzamo kunye nokuziphatha, kodwa ekugqibeleni kunokukhokelela ekwandeni kobutyebi kunye nokuzimela ngokwezemali.
