Ngaphambi kokuthatha imalimboleko: hlola ubungozi, izinzuzo kanye namakhono akho

I-athikili idalwe njengenhlanganisela yokuthunyelwe okudumile mayelana nemalimboleko esiteshini setelegram se -OpexBot . Kwengezwe futhi kwathuthukiswa. Esiteshini seTelegram ungafunda umbono wamaRussia ngalolu daba. Futhi sizoqhubeka. Ikhredithi ngokuyinhloko iyithuluzi. Njenganoma yiliphi ithuluzi, udinga ukwazi ukulisebenzisa futhi uqonde ukuthi lenzelweni. Kubalulekile ukuqonda ukuthi ungayithatha nini, nini ungakwazi, nokuthi ungayibuyisela kanjani imali oyibolekile.

Ungathathi noma ubolekise uze ukuqonde lokhu

Akufanele ukhokhe izibopho zesikweletu ngezimpahla ezikhiqiza kakhulu ngonyaka kunenzalo yemali mboleko. Lokhu kungaba amabhondi, amadiphozithi, izabelo, ibhizinisi. Asikho isidingo sokukhipha imali ngokushesha ku-akhawunti ye-brokerage, ukuthengisa ibhizinisi, noma ukuvala idiphozithi. Le yindlela ibhizinisi elisebenza ngayo uma lithatha imalimboleko ukuze lithuthuke. Lapho ikhokha inzalo emalini engenayo. Futhi inenzuzo eyengeziwe.

Khokha imali mboleko ngezikweletu

Imalimboleko ivame ukuthathwa ngokumelene nabo. Phatha izikweletu nempilo njengebhizinisi. Uma kunesikweletu lapho imali ebolekiwe ithathwe khona, futhi inesisindo kuwe, yithengise bese uyivala. Isibonelo, imoto noma ifoni ekhishwe emoyeni. Kusukela lapha singafinyelela isiphetho esiphambene. Ukuboleka imali ukuze ulungise inkinga yakho kuyiphutha. Ngokuvamile lokhu kwenziwa abantu a) abangafuni ukusebenzisa ubuchopho babo ukuxazulula izinkinga; b) abajwayele ukuphila okungaphezu kwamandla abo; c) bathanda ukubukisa.

Imoto, i-TV, ifulethi elikhudlwana – zonke lezi yizikweletu.

Ungathatha imalimboleko yezidingo zokukhiqiza. Uma imodeli yebhizinisi isho inzuzo ephezulu kunezinga lenzalo. Kulokhu, utshala imali ebhizinisini elizokwenzela okuningi.

Uhambo lwangomzuzu wokugcina lokugqilazwa ngesikweletu

Uma kwenzeka uzizwa uyisiphukuphuku, cabanga ngalabo ababoleka imali yeholide, noma umshado.

I-quintessential ithatha imalimboleko ye-honeymoon yakho. Ukuba nesikweletu esingakhokhiwe somkhosi womshado ngokwawo. Kodwa abafundi bethu bacabangani mayelana nemali mboleko yeholide: Izibalo ezithakazelisayo:

1. Iphuzu 1. Njalo isiRashiya sesihlanu siya eholidini ngesikweletu. Amakhadi esikweletu nemalimboleko yemali kuyathandwa.
2. Iphuzu 2. Imali mboleko yeholide ngokuvamile iphenduka izikweletu eziyinkinga. Ngoba izikweletu ezinjalo zivame ukukhokhiswa ngokomzwelo.

Wonke umuntu udinga ukuphumula ukuze i-cuckoo ingezwakali kahle. Kodwa udinga ukuphumula ngendlela oyizuze ngayo – uwedwa. Esigabeni sokuqongelela imali, ngathatha imoto, itende ngaya olwandle, emfuleni, noma ekhaya lamaholide elingabizi. Ngenhlanhla, kunezindawo eziningi ezinhle e-Russian Federation.

Akekho okhansele ezokuvakasha zasekhaya. Manje, ngokwezibalo, abantu baseRussia abayizigidi ezingu-70 bahamba ngaphakathi ezweni.

Iholide limayelana nemizwelo, futhi imizwa incike ngokuyinhloko kithi kanye nendlela esizizwa ngayo ngathi. Ingabe kungcono ukuphumula okupholile osebeni lomfula ngokuthula kwengqondo? Noma thatha isikweletu sika-300k ngo-20% futhi, ngenkathi uphuza i-cocktail e-sweetrated over-sweetened eTurkey, ucabange ukuthi ungayibuyisela kanjani? Umbuzo wokukhuluma.

Ake sikuthole, asenze izibalo

Sizixosha ngokushesha izinhlangano zezezimali ezincane ngo-40-50% ngonyaka. Kuyadabukisa. Imalimboleko yomthengi evela ebhange: 20-30%, nayo ebiza kakhulu. Ngithathe u-100k, u-10k wokukhokha ngenyanga. Ukukhokha ngokweqile kufika ku-24k. Kodwa njengenketho. Ikhadi lesikweletu . Kunamakhadi esikweletu angenayo inzalo. Kodwa lezi zinama-nuances amaningi ngesevisi, amakhomishini, izimo ezengeziwe kanye nenhlawulo. Futhi uma imigomo ekhadini lesikweletu ibonakala ngale, izinga lenzalo liyakhuphuka. Kusukela ku-20-30% nangaphezulu. Uma usuvele unqume, funda izimo eduze ngangokunokwenzeka, zonke “izinkanyezi nezinkanyezi ezincane”. Akufanele uvule umkhawulo ka-300k ngeholo lika-50k. Ngicabanga ukuthi lokhu kucacile? ⁉ Imali mboleko yeholide ehlosiwe. Inzuzo ukuthi izilinganiso zenzalo ziphansi. Kodwa ukuvakasha kungathathwa kuphela enkampanini ebambisene nayo kanye nezinjongo ezichazwe ngokucacile: amathikithi, igumbi, uhambo. [i-id yamagama-ncazo = “okunamathiselwe_16991″ align=”aligncenter” wide=”796″] Inani lemali mboleko esekwedlule isikhathi likhula unyaka nonyaka[/caption]

Ungathathi imali mboleko yeholide

Kodwa uma kukhona umsebenzi onjalo, qhathanisa ngokucophelela okunikezwayo. Kwesinye isikhathi imali ebolekiwe yomthengi iphenduka ibe yinzuzo enkulu kunokunikezwa komsebenzisi wokuvakasha. Sebenzisa umshini wokubala wemalimboleko. Bese ufunda izingibe zomuntu ngamunye. Bazokwenza njalo.

Njalo yiba nohlelo lokusekelayo. Uzokwenzani uma ikhadi lesikweletu lingasebenzi eTurkey?

Kodwa ngokuvamile, lokhu kuyindlela ekhethekile ehlanekezelwe ye-masochism – ukushintshanisa amasonto amabili emizwelo emihle iminyaka engu-2 yobugqila besikweletu.

Kukhona iphilisi elimnandi

Kunezinketho nezimo lapho ungathatha khona imali mboleko yeholide. Kwesinye isikhathi kudingekile! Nini, kungani futhi kanjani ukwenza ngendlela efanele, ngizokutshela ngokuqhubekayo.

Bona izixhobo futhi ungacwili ezikweletini

Ngakho-ke, kunini lapho imali mboleko yeholide ingaba umqondo omuhle?

Imali mboleko ingasiza ukulungisa izindleko zohambo

Uma wazi kahle ukuthi uzovakasha kuphi futhi nini, ungalungisa intengo evumayo yamathikithi nendawo yokuhlala kusenesikhathi. Isimo lapho kungekho mali, kodwa kuzoba khona maduzane, futhi uhambo ludinga ukuthathwa lapha futhi manje ngokushibhile.

Imali mboleko yeholide ingabhekwa njengokutshalwa kwezimali

Ake ngichaze: kunomehluko omkhulu phakathi kokuthatha imali ebolekiwe (kithi ngeholide) lapho ungenayo imali nalapho unemali eningi.

Uma unemali, kodwa awufuni ukukhipha ukheshi empahleni yakho: ukutshalwa kwezimali, ibhizinisi. Ake sithi unama-ruble angu-500k ezibambiso ngesivuno esingu-2% ngenyanga. Lokho kungu-10k ngenyanga. Ngakho kungani ungakhipha ukheshi kubo uma ungakwazi ukukhokha inzalo ngama-ruble angu-5k.

Kunohlelo olucacile lokubuyisela imali ebolekiwe ethathelwe eholidini

Futhi inketho yekhadi lesikweletu itholwe lapho kungadingeki ukhokhe inzalo. Isibonelo, kunesikhathi sokuvikela, okungenzeka kwamanye amabhange sibe yizinsuku ezingama-30-60. Abanye babuye babuyisele imali emuva ohambweni olubuyela ekhadini. Isikhathi somusa nezinye izimo ziyahlukahluka usuku nosuku. Idinga ukugadwa ngokucophelela.

Kodwa mina ngokwami ​​​​ngimelene nokuthatha iholidi elinjalo ngomcabango: ngolunye usuku ngizokhala.

Kodwa ngokubona kwami, kungcono ukonga imali yeholide. Akunjalo kunqolobane. Ukuvimbela ukwehla kwamandla emali ukuthi ungaphangi. Ungagcina ngediphozithi ehlukile ukuze i-penny ivuze. Noma tshala imali kuma-OFZ, ngokwesibonelo, ngesikhathi sehlobo elizayo futhi amakhuphoni azotholakala futhi angathengiswa. Ungonga ezinyangeni eziyi-10 ngaphandle kokulimaza ibhajethi yakho nganoma yiliphi izinga lemali engenayo. Kanjani? Ngizokutshela ngokuqhubekayo.

Yonga, hamba uye eholidini futhi ungahlanyi

Ungalondolozela iholidi ngaphandle kokubeka engcupheni ibhajethi yakho nendlela yokuphila. Isethi yezinyathelo umRashiya oneholo elimaphakathi noma eliphansi angagxila kukho. Ingabe sizokucacisa? Ake sihlukanise wonke amathuba abe ngamaqembu amabili: ukuqongelela kanye nokonga.

Ukuqongelela

Umsebenzi wokuqala ukubeka umgomo ngesikhathi esifanele ukuze ngaphambi kweholide lakho ngokushesha ungathathi imali mboleko kanye nezipesheli ezingenele ezivela kubavakashi. Isibonelo, umgomo othize iTurkey 6/7 kwabangu-5* abadala ababili kanye nengane ngama-ruble angu-60k. Sibheka ukwehla kwamandla emali, izinga lokushintshaniswa kwama-ruble nezinye izingozi. Sithola ama-80k okudingeka siwonge ngonyaka ngeholide ngo-Agasti 2024. Okusho ukuthi, sidinga ukonga ama-ruble angama-6,700 ngenyanga. Ukonga u-10-15% wemali engenayo yalabo abahamba ngokuhamba kwesikhathi kuyindlela esebenzisekayo lapho abantu abaningi bengeke babone ukuwohloka kwendlela yabo yokuphila. Ingabe ingaphansi kwenani elidingekayo? Isibonelo, ngomholo we-40,000, uzokwazi ukonga u-4,000. ?

Ukucabanga njengomtshalizimali

Sisebenzisa ama-OFZ esikhashana. Isivuno siphezulu kunaleyo yediphozithi. Ukunyuka kwezimali ngendlela yamakhuphoni kuzoba okungabalulekile, kodwa kuzinzile. Ngonyaka, izibambiso zingathengiswa futhi ukwehla kwamandla emali kuzokwehliswa. Kungcono ukungangeni ezinsimbini ezinenzuzo enkulu kodwa eziyingozi ngaphandle kolwazi. Amabhondi afunayo OFZ-PD kanye ne-OFZ-n. Okwakamuva kungasetshenziswa ngaphambi kweshejuli ngentengo engekho ngaphezu kwevelu yobuso futhi engekho ngaphansi kwenani lokuthenga. Ungakwazi ukuvula i-akhawunti yomthengisi ukuze uthenge amabhondi, isibonelo, ku-FINAM. Lapho ungakhetha ibhondi ngokuya ngemingcele ethile. Beka eceleni u-10-15% wayo yonke imali engenayo, hhayi nje iholo. Ibhonasi, izipho, itoho. Uma ungenza okwengeziwe, kuhle. Kuthiwani uma uhlela ukuphila kwakho kube iholidi laphakade. Imodeli “yomsebenzi wonyaka, ukuphumula izinsuku ezingu-14” kancane kancane iphelelwa yisikhathi. Muva nje iphenduke yabheka phezulu

Iyalondoloza

By the way, ruble 6,700 – izindleko cishe 30 amaphakethe kagwayi. Bambalwa abantu abayeka ukubhema ngenxa yezinkinga zezimali. Kodwa kuyiqiniso elithakazelisayo. Uma ukwazi ukonga okungu-4,000 kokungu-6,700 okudingayo, thola okuthile ongagcina kukho okunye okungu-2,700. Kuningi ongakhetha kukho. Ngizobonisa ukuthi yiziphi engizisebenzisayo. Kwamanye amanani, imigomo kanye nezinsuku zokugcina, kodwa lokho akunandaba. Ukuhlelwa kwezimali . Qiniseka ukuthi ugcina idayari yokuchitha imali. Iphepha, i-electronic ku-smartphone, exhunywe ekhadini lasebhange. Kuyindaba yokunambitha, kepha ukukhetha kubanzi. Kukhona ithuba lokuthi ushiye ama-2700 kuphela ukuze uthole ukudla okusheshayo. Uyayidinga? Amathikithi. Uma undizela wedwa, thenga amathikithi kusasele izinyanga ezi-2-3. Kusukela kuleyo ngxenye yesabelomali esizokwakhiwa ngo-Ephreli 2024. Kushibhile. Funda imizila. Isibonelo, indiza edlula e-Sochi ingase ishibhe ngo-10-15k kunokudlula e-Moscow. Ukubala okulula, izibalo futhi usuyazi ukuthi ungayifinyelela kanjani umgomo wakho.

Kubalulekile kuphela ukuqonda ekugcineni – ingabe lona umgomo wakho wangempela, noma wamukelwa nje? Mhlawumbe kufanelekile ukuchitha iholide kude nabantu cishe mahhala, futhi utshale u-80k olondoloziwe ebhizinisini, ezibambiso, nasemfundweni?

Ngakho i-Türkiye 2024? Ungaqala manje. Sizibekela umgomo wethu siqu. Siyayonga, futhi lapho iphuma, songa ngokuhlakanipha. Futhi ngonyaka sizocabanga ukuthi yini okufanele siyenze ngalo mcebo. Okubalulekile kuyashintsha, kodwa amathikithi angabuyiswa.

Indlela yokubuyisela imali ebolekiwe ngokushesha nangempumelelo ngangokunokwenzeka

Gcina amasu amabili adumile futhi asebenzayo afakazelwa ucwaningo: i-snowball ne-avalanche yeqhwa . Cishe i-50% yabantu baseRussia banemalimboleko. Abantu abaningi banemalimboleko/izikweletu ezingaphezu kwesisodwa. Izibalo zidinga ukulungiswa. Akunjalo? Futhi hlobo luni lokutshalwa kwezimali esingakhuluma ngalo ngenkathi ucwile ezikweletini? Inkinga ayikho ngisho nemalimboleko uqobo. Inkinga wukuthi baningi abazama ukuzicisha ngaphandle kwesu elicacile. Ngakho-ke bangena ebugqilini besikweletu iminyaka, bekhokha inzalo ngokweqile, kodwa bengabuyiseli ibhalansi yemalimboleko.

Ibhola leqhwa

Isu wukukhokha imali ebolekiwe kusukela kwencane kuya kwenkulu.

I-oda linqunywa inani elikweletwayo, hhayi inani lenzalo.

Ngesikhathi esifanayo, kubo bonke kodwa okuncane kakhulu, inkokhelo encane edingekayo iyakhokhwa. Siphonsa wonke amandla ethu esikweletini esincane kunazo zonke. Ngemva kokuvala isikweletu esincane kunazo zonke, siqondisa zonke izinsiza ezikhululiwe ukuvala okwesibili, bese kuba okwesithathu. Esinakho. Ngesikweletu ngasinye esivaliwe, umthwalo ongokwengqondo uyancipha. Futhi, njengebhola leqhwa, insiza ekhululiwe iqoqana ukuze isebenze nomzimba wemali mboleko yezikweletu ezinkulu.

iqhwa leqhwa

Indlela yokubuyisela imali ebolekiwe lapho zibuyiselwa khona kuqala ngenani lenzalo eliphezulu kakhulu.

Ngemva kokukhokha imali ebolekiwe ngenani lenzalo eliphezulu kakhulu, badlulela emalini ebolekiwe ngenani lenzalo eliphezulu elilandelayo. Qhubeka kuze kuhlanganiswe yonke into.

Iyiphi ephumelela kakhulu?

Ngokombono wezibalo, indlela yeqhwa isebenza kahle kakhulu. Ngokuhamba kwesikhathi, i-snowball ikhokha inzalo enkulu kunendlela ye-snowball, egxile emazingeni enzalo. Abantu, ingxenye enkulu, abazona izidalwa ezinengqondo. Futhi ezezimali zomuntu siqu ziwu-20% wolwazi kanye nokuziphatha okungama-80%. Ucwaningo lukhombisa ukuthi abantu abazama ukwehlisa isikweletu badinga “abawinile ngokushesha” (okungukuthi, ukukhokha isikweletu esincane kunazo zonke) ukuze bahlale benogqozi lokunciphisa isikweletu sabo sonke. Ngakho-ke, imigomo emincane ecacile indlela yokuvala ikhanga kakhulu kwabaningi. Uma izinto ezingokwengqondo zingajwayelekile kuwe futhi uyisazi sezibalo, kufanele ulandele indlela ye-avalanche. Umgomo wami uwukutshala imbewu yeqiniso futhi ngiveze ukuqonda inqubo. Okungafanele ukwenze