Ukuya kwiindibano .Esterees (enobugrafini obunemincili, amashishini abhencayo, amathala eempahla, okanye amatheko enkcubeko) kusasazwa phakathi kwezona ndlela zivuyisayo zokudibana nabazobi, ukufumanisa izinto ezingaqhelekanga, nokungena emoyeni wombane wemvakalelo yokukhangwa. Ixesha ohamba kwindibano, uxina amatheko aphezulu athe tyaba, ibhunga elipheleleyo, intengiso ebhankini, isnayitiwe, isambatho esinomnqwazi esineyo, kunye nentengiso ezivakala zilungile ukudlula. Kulula ukunikezela kwimida ye-gxa yombane nokucima ikhadi lokuthenga ngaphandle kwengcingo yesibini. Kodwa umphumo wokuchitha izinto ezithengwayo ungenza ukuba ungabi nanto iphonophololo olufanelekileyo, ushiya ngetyala kunye netyala lebhanki elifuna ukujikeleza ngokukhawuleza. Ngoko ke, ungakuvuyela kakhulu ukukufumana indibano semali.

Ukumisela Uqingqo - mali Lokwenene: Isiseko Sokusebenzisa Imali Ngobuchule

Ngaphambi kokuba ushicilele itikiti lakho okanye upakishe ingxowa yakho, chaza imali ongayinikezela kwintengo yendibano. Eli nani alimele livele kwimali ephawulwe ukuqesha, ukuthenga okanye ukugcinwa kwemali yexesha likaxakeka. Qala ngokukhangela ingeniso yakho ye-arhente yenyanga, ngoko gqiba ukuba yeyiphi ingeniso oziva ukhululekile ukuyinikezela. Isitshixo sicacile: “U-R3,000" ayicacanga kwaye ilula ukugcwalisa, lo gama“ $175, hayi imali engaphezulu” ibangela ukumisa nzima. Bhala le foto uyenze ibe yisivumelwano esingangeni-goti.

Iindleko ezilungelelanisiweyo

Yahlula iindleko zendibano yakho zibe zii-emele ezimbini: ezizinzileyo nezithambileyo. Iindleko ezizinzileyo ziquka ukuvalwa kwebheji, iindleko zokupaka, ezothutho, kunye nazo naziphi na iziganeko ezibhalwe kwangaphambili. Ezi azinakusetyenziswa kwaye zifanele zihlawulelwe ixesha elide ngaphambi kokuba ubethelele umgangatho wembutho. Iindleko eziguquguqukayo zigqumathe ukutya, ii-edisk, ii-ecs, kunye ne-octives. Abaninzi abakhoyo benza impazamo yokushwadambisa yonke into kunye, eyenza kube lula ukudla kwimali yevenkile kuba “zibeke" ekupakani imoto. Ngokususa imali enikezelweyo, uyikhusela kwizigqibo zentengo zemali ezifana nemali yokudla. Ukuba ufuna wonke umnyaka opheleleyo, bakhandleke imali elungisiweyo kuqala, ngoko bacwangcise ukunciphisa imali edityaniswe kwintengo yorhwebo: ukudibanisa ii-athonga zezo zezo zobugcisa ezithekishini ze-R5.

Ukuquka Iindleko Ezifihlakeleyo: Ukupakisha, Ukutya Nokutya

Abaqhubi bendibano abaninzi bayazithatha lula iindleko zokongeza ngokukhawuleza. Isiganeko seentsuku ezininzi singakhupha lula u-$40-70 (R180-70) xa umisa uphakamiso kuphela. Ukutya ngaphakathi kweeholo zendibano kusoloko kuphinda-phinda ixabiso lokutya okulinganayo ngaphandle; isisoda ne-pretzel zingakumisela umva we-R120. Oku kuqingqa kuqingqo lwemali kunyaka ophambili. Ukuba uceba ukusebenzisa ipetroli, hlola iipakethetho ngexesha leziganeko ezinkulu kwaye ubeke isixa semali ngokwengqiqo. Ngokuhlawula ezi zifihlakeleyo kuqala, imali eseleyo yokuthenga iba yindawo yokwenyani yomntla wemali yakho echithwayo. Oku kukwakuthintela ekunyukeni uqingqo-mali yamanzi, okunokuqalisa ukusetyenziswa kwamanzi okuthengwa kwebhotile.

Ukusebenzisa Indlela Yokusebenza Yemvulophu okanye Iimvulophu Zamanani

Isebhlophu esidala kodwa esisebenzayo yinkqubo yemvulophu: khupha uqingqo-mali lwakho oluthe ngqo lokuthenga ngemali, lubeke kwimvulophu ebhalwe ukuba “Ikhasi,” kwaye ushiye amakhadi ekhaya okanye atshixiwe kwihotele yakho. Ukuba ukhetha ukulandelela i-elektroniki, uqingqo-mali lwee iinkqubo ezifana Ufuna Uqingqo-mali (YB)[FLTB] ukuvumela ukuba wenze iqela elithile elinoqweqweqwe oluqinileyo noluqwalatheza lwakho ngexesha lokwenene. Umqobo wakho wokubona imali yakho dwindle-/okanye inani lemivolude kakhulu kunephetshana elifihlwaye ingqondo. Cinga ikhadi elithengwayo ngedecreacter yakho; kanye umlinganiselo obethi, naziphi naziphi naziphi naziphi na iindlela zokuthenga.

Uphando lwangaphambili lokukhupha inzala: Ukuphendla indlela othenga ngayo

Ukuya kwindibano ngaphandle kwecebo kufana nokuthenga ukutya ngoxa ulambile: yonke into ibonakala ibalulekile.

Uluhlu lorhwebo olu Thandiweyo kunye nezicwangciso zeflore

Iindibano ezininzi zishicilela uluhlu lomboniso kunye nemaphu yomgangatho kwi-website yazo okanye iiveki zenkqubo esemthethweni ezingaphambili. Layisha ezi zinto ngokukhawuleza. Qalisa izitena ezithwala izinto ezihambisana nezilangazelelo zakho.

Ukuthelekisa Amaxabiso e-intanethi ukwenzela izinto eziquka indibano

Indibano isoloko ithengwa njengendawo yokuthengisa intengiso yexesha lobomi, kodwa ezininzi ziphelela kwivenkile ze-intanethi okanye kwiqonga elincinane emva kwesiganeko. Ngamaxesha athile zithelekisa okanye zinciphisa iindleko xa usenza intengo kwindibano. Phambi kokuba uthathe ingqungquthela, khangela ngokukhawuleza kwimfonomfono yakho ukukhangela amaxabiso alinganayo. Ukuba ufumana ushicilelo olulinganiselweyo lwe-5050 yephepha lokushicilela lufumaneka rhoqo ukusuka kwi-ii-intellite ye-R35 dibanisa ne-R3, uyazuza amandla okanye ukukhanya kokuhamba ngenqanawa. Ngokufanayo, ukuqokelela umqulu ovumelekileyo, ogunyazigunyaziweyo kwi-intanethi, abathengi bengiselwa kwikhompyutha, banganikela izinto ezifanayo ngaphandle kwentlawulo oluqhelekileyo. Uphando oluncinane lungakusindisa ekuhlawuleni ngokukukhohlisa kwe-cluxando.

Ukulandela Imithombo Yezosasazo Eculwayo

Abarhwebi basebenzisa ijelo leendaba lokunxibelelana nengingqi zezentlalo ukubhengeza intengiso yendibano, iimali ezincinane, kunye nokuncipha komlinganiselo. Emva kokulandela iInstagram yabo, i-twitter, okanye amaphepha eFacebook ngeentsuku ezikhokelela kwisiganeko kungakulumkisa ukunikela oko kuhambelana ngokugqibeleleyo noluhlu lwakho lokuthenga. Ezinye ikhowudi zeposi zokukhupha amaphetshana eposi ongazibonisayo kwiplanga, lo gama ezinye zityhila “indawo yokuqala-50-custom" umnyango. Ngokunikezela uluhlu olufutshane lwee-akhawunti ukuze ujonge, uguqula isixhobo soqingqo-mali sohlahlolo lwendawo kunokuba uphazamise. Nqabe unqande nje umqulu ongahendeka ukuba ungenele kwizinto zakho ezingahlelekiyo.

Ukwakha Nokunamathela Kuludwe Lwezinto Eziza Kuqala

Uluhlu olunolwakheko luzikhusela kakhulu kwisiphithiphithi. Thupha ufumana ubuchule obubalulekileyo obubalulekileyo kwi-fscal. Ukujonga ngaphaya kweqela “izinto endifuna ukuba” zisondele kwaye wakhe inkqubo elandelelanayo. I-Tier 1 iquka iintambo ezipheleleyo: izinto ozicebe ngokugqibeleleyo, ozicwangcisileyo, kwaye ngenene ukhangeleka kakuhle, izinto oziqokelelayo okanye ophilayo. UTier 2 uyakwazi ukuzigcina kakuhle-kwindawo elungileyo: izinto ongazifumana kodwa ungakhange uzisole ukuba imali ihamba yomile. Tier 3 ingulowo ucinga ukuba indlela yakho yokuzithenga ingeyo kodwa ingeyomfuneko. Uyakwazi ukucinga kuphela ukuba uyakwazi ukucinga ukuba uqingqe imali encinane phantsi kocwangciso oluphantsi kocwangciso. Ukuba ucinga izinto ezizigcina kwi-laser ehliweyo kwi-Tier yokuqala. Emva kokuba ungazifuni, uyakwazi ukukhangela ezo zinto eziyimfuneko kukhangelwayo ukuba uyakwazi ukucinga ukuba uyakwazi ukunikezela, uyakwazi ukunikezela ngokuzilungisa ngokuzinyotyikayo, ngaphandle kwendlela ezincinane, ungazinzinzinzinziyo, kuba u

Ukwenza uluhlu lube nempumelelo, nikezela ubuninzi bemali kwi-dola nganye kwi-Tier 1 yokungena. Umzekelo, “Ugqirha Alley u-allicolor", ukunyusa ukuya ku-R275. Oku kukuthintela ekunyuseni kakhulu kwakwizinto oceba ukuzithenga, kuba abathengisi banganika umlinganiselo owahlukileyo okanye iinguqulelo ezifakelweyo kwixabiso eliphezulu. Ngokwazi uphahla lwakho, ungaxoxa okanye unciphise unyuso lwentengiso ngaphandle kwesesibini.

Ukulawula Imali Kule Ndibano: Imali, Amakhadi, Neebhanki Ezihambayo

Indlela oyisebenzisayo ukuhlawula iimpembelelo ezithe ngqo zokusebenzisa indlela oziphatha ngayo. Iingcali zezoqoqosho zezenkcubeko zisoloko ziphawula ukuba ukwahlukana nemali yomzimba kubangela iintlungu ezingakumbi zengqondo kunokujija ikhadi, elinokuba sisigcini-sango phakathi kwentengo nesiphumo. Lusebenzise olu lwazi ukuze ungenelwe.

Usebenzisa imali kuphela: ngokutsala uqingqo-mali lwakho lwezothe phambi kokuba ufike uze ushiye iplastiki ngasemva. Xa isipaji sakho sivakala silula, ukuthenga ngakokuba ngumsebenzi obonakalayo. Uza kugqitha u-R220 othengwayo ukuba uyazi ukuba inciphisa amandla akho nge R1,50 ekufuneka ihambe kamva. Omnye umvalo: ukuthwala imali eninzi kwindibano ephithizelayo kusenokuba ngumkhathazo wokhuseleko, ngoko ke qwalasela ibhanti yemali okanye ukwahlula imali kwipokotho ezifihliweyo ezininzi.

Amakhadi ahlawulelwayo anemida enzima: Faka i Visa efakiweyo okanye ikhadi leposi yeposi ngoqingqo-mali lwakho oluchanekileyo. Oku kunika uncedo lwekhadi ngaphandle kwengozi yesihlenga okanye ityala elijikelezayo. Amakhadi amaninzi ahlawulelweyo akuvumela ukuba ukhangele uxhathiso usebenzisa i app, okukunika umgcini wexesha lokwenene wemali eseleyo. Amava avakala engoku kakhulu kunemali, kodwa iketi epheleleyo.

Amakhadi okuthenga aqeqeshiweyo kuphela: Abanye ababekho bakhetha amakhadi okuthenga ngetyala ngenxa yokuthenga, imivuzo, okanye ngenxa yokuba balandelela ngokuzenzekelayo iindleko. Ukuba uya kule ndlela, kufuneka usebenzise umthetho onganqamlekiyo: faka ngoko nangoko zonke intengiso kwi-app yoqingqo-mali okanye uxwebhu olunoxwebhu, kwaye phelisa isantya osifikelelayo. Beka ibhanki enikezelweyo ukuze ungakhange uyinike umlinganiselo othile. Umngcipheko, yendlela, kukuba umjikelezo othengisiweyo ungayigquma intengo ewo yonke. Sebenzisa le ndlela kuphela ukuba unengxelo eyomeleleyo yemiqatha, kwaye ungaze uyiphathise ityala lakho njengonyuso lohlalo lwakho loqingqo.

Iinketho ezihambayo ezifana noMvuzo we-Apple okanye u-Google Paso, ezidityaniswe kwi-akhawunti egcina imali yendibano kuphela, zingakunika indawo ephakathi. Zingenamdibanisi, zikhuselekile, kwaye zibotshelelwe kwimilinganiselo oyilawulayo. Qiniseka nje ukuba ukhubaza ukhuseleko lwenqwelo-moya engaphezulu.

Ubugcisa Obusebenzisekayo Bokuphepha Ukuthenga Izinto Ezingekhoyo

Nangokwenza uqingqo-mali noludwe, uxilongo lwezimvo zendibano luvavanya isigqibo sikabani na. Ezi ndlela zinokukunceda ukuba unqumame uze wenze ukhetho olusengqiqweni.

Umthetho Ongu-30 OnguMququzeleli

Xa ubona into engacetywanga ekwenza uthandeke, cwangcisa i-sper kwimfonomfono yakho imizuzu engama-30 uhambe. Hamba eminye iminquba, thatha isiselo samanzi, okanye uhlale phantsi uphinde uhlole uqingqo-mali lwakho. Izinto ezininzi ezingxamisekileyo ziphelelwa ngamandla emva kwexesha elifutshane lokuphola. Ukuba umnqweno uyaqhubeka kwaye ungasichaza ngokucacileyo isizathu sokuba into ikwiTier 1 okanye Tier 2, ngoko ungabuya uyithengelele ukuze uyithenge imali. Ngokufuthi uya kufumanisa ukuba uphelelwa yimincili emva kokuphola nje kancinane.

Misela i-Per-Booth Cap

Kwanangokuba uqingqo-mali lungangqubana nesiqingatha semali yakho kumthengisi othengiswe ngokungaqhelekanga. Phambi kwendibano, cwangcisa ikhapsi ngalinye lokuchitha imali , i20% yoqingqo-mali lwakho olupheleleyo. Xa usondela kwidolo, phawula ukuba awuyi kugqitha kumda ongaphaya kwaso kungakhathaliseki ukuba ziziphi na izinto ezintle ozibonayo. Oku kukunyanzela ukuba uthenge izinto zakho kukhetho lomthengi ngamnye, ukhethe kuphela izinto ezibaluleke ngokwenene. Kukwakukhuthaza ukuba usasaze imali yakho kubenzi abaninzi, nto leyo enokuthi ikwenze ufikelele kwizinto ezahlukileyo nezinelisayo.

Khangela Uqingqo - mali Lwakho Ngaphambi Kokuba Uthenge

Yenza isithethe: phambi kokuba unike imali okanye utsale ikhadi lakho, jonga ulungelelwano lwakho oluseleyo. Enoba usebenzisa i app, isixhobo soqingqo-mali, okanye incwadana encinane, qinisekisa inombolo. Ukuba intengo iyakuwisa ngaphantsi komqobo obekelwe phantsi kwe-$$($(ama-50) agcinelwe iimfuno ezipheleleyo ze. Oku kuphazamisa ukusetyenziswa kwe-athom yakho ye-athom kwaye kugcina imeko yakho yokwenene yemali iphambi nangaphakathi.

Ukuqonda Iindleko Zokwenene Zoko Kuthethwa Ngabo Nabapapashi Abalinganiselweyo

Iindibano ziphumelela kakhulu kwimiba elinganiselweyo: “Ngaba ikhulu lezinto ezenziwe,” “Intethe epheleleyo,”“ Ayimele iphinde iphinde ifumaneke.” Nangona izinto ezininzi zixabisekile, ezinye zibunqabile iindlela zokuthengisa. Ngaphambi kokuhlawula intengo, zibuze imibuzo embalwa enzima: Ingaba uyakwazi ukuhlala ngomahluko omncinane, njenge sitempe esincinci okanye ukoyika imibala eguquguqukayo? Ingaba into enokwenziwa ngentengiso, okanye ayikwazi ukuphinda ifunyaniswe, okanye iyinto evezwe ngobuninzi bento ekhatywayo? Ingaba usaya kuyenza ibe noxanduva kunyaka osuka ngoku, okanye iyinto edlulayo? Ukuba ukuthenga kuqhutywa nguFO (umo wokoyika ukulahleka kwemibala engaphandle), zama ukuphinda wenze isigqibo sengqondo. Enye into esebenzayo: ukucinga ukuba uthatha iveki yenyanga emva kwendibano?

Xa uvavanyo luphumelela, luphathe njengomphakathi woqingqo-mali lwakho. Imali esetyenziswa ngokulinganayo ukusuka kwizinto ezincinci ukuhlalisa, kunokuba usebenzise ngaphaya kwemali yakho. Ukuba kuyimfuneko, sebenzisa ucwangciso loqingqo-mali oluzimeleyo [[FLT: 0] ukulungelelanisa iindleko zenyanga ezisetyenziswayo kusengaphambili. Injongo kukulwamkela elo qhekeza likhethekileyo ngaphandle koxinzelelo lwemali.

Izinto Eziqhelekileyo Zokusindisa: Ukusebenzisa Imigaqo Yokungaqiniseki, Iqela Lokuthenga Nokungafunwa

Uqingqo-mali lwakho luqhubekeka xa uzama ngamandla ukufumana amathuba okunciphisa iindleko. Abazobi kunye nabathengisi abaninzi banika indibano ikhowudi ecacileyo yentelekelelo kwi-media yabo yezentlalo-ntlalo okanye ngeposi. Ukuba uyahamba nabahlobo, qwalasela ukuqokelela imali yeqela elithengela ukusetyenziswa kwezambuku-(abathengisi abathile) banikela intengo xa uthenga imiqulu emininzi okanye amanani aphantsi. Ungancokola ngobuchule kwintlanganiso yokugqibela, xa abadayisi befuna ngamandla ukuphepha ukuphinda bafumane imali kunye neposi. Umbuzo ofanelekileyo njengothi, “Ukuba ndithenge zizinto zombini, ungacinga ukuba ngu-$X"?” ungakhupha ulwahluzo oluncinane kodwa olunentsingiselo, ngokukodwa ngenxa yezinto eziphezulu.

Elinye iqhinga elisoloko likhangelwa kukutshintshiselana ngezinto oziphatheleyo kurhwebo. Iindibano ezininzi ezijoliswe kubathengisi zineziko lorhwebo olusebenzayo. Ungahlukana nento ephindaphindwayo eqokeleliweyo kwingqokelela yakho yobuqu ukwenzela into oyifuna ngokwenene, ngokunempumelelo ukunciphisa imali engaphandle.

Impinda yokukhupha iNtlanganiso: Ukufunda Ixesha Elilandelayo

Xa iadrenaline iphela kwaye ubuyele ekhaya, thatha imizuzu eli-15 ukuphinda uphindo lwakho lokusebenzisa imali. Vula i-app okanye incwadana yokubhala imali yakho yoqingqo-mali kwaye uyilinganise intengo nganye: icetyiwe, ingacetywanga kodwa ifanelekile kwaye ifanelekile, kwaye ithenjiswe. Ufumana ukuba usebenzise malini kwicandelo ngalinye, uze uthelekise uqingqo-mali lwakho lokuqala. Ingaba uhlala phi na uhamba ngemikrolo? Ukhe wafumana ukuba uphethe imali egcinwe yimali yakho, ngoko uyayithatha indlela yakho yokuziqokelela indibano elandelayo. Mhlawumbi ufumanise ukuba igxakisko yakho enkulu ephezulu, ngoko ke ngokulandelayo uza kukunika ixesha elingakumbi apho kwaye uyayinciphisa. Okanye ufumanise ukuba uphethe imali egcinwe isombululo kuphela, ngoko uya kufumana indlela yakho epheleleyo.

Khawuqwalasele ukubhala iphepha elinye “umgaqo-nkqubo wemali odityanisiweyo”. Bhala uludwe olona lwabiwo-mali luphezulu, olukhethwayo, indlela yokuhlawula, evumele iindidi, kunye nomthetho wobuqu okanye ezimbini . okufana “ukungathengi dibanisa emva kwe-3 PM” ukuba uyazi ukuba xa ukudinwa kukwenza ubuthathaka isigqibo sakho. Isikhumbuzi esiphathekayo kwingxowa yakho yendibano singakuxhasa xa izilingo zinyuka. Olu xwebhu luphilayo lukhula lucoceke ngakumbi ixesha olingeneyo, ekugqibeleni luba yinkqubo yokuzibamba ezenzekelayo evakala njengomdlalo kunokuba isohlwayo. Ukufunda ngokubheke phambili kwimimiselo yendlela yokwenza izinto, [[FLT:] umba wakho wocwangciso lwe CFFB [[FLD:] [1] ukunika umgaqo wesiseko osebenza kakuhle kwiintlanganiso.

Ukwamkela Amava Kurhwebo

Ekugqibeleni, khumbula ukuba nayiphi na indibano ngamava `ingxoxo ze-panel, imidlalo edlala iindibano, iindawo zokusebenzela, novuyo olulula lokunxulumana nabantu abanomdla kuwe. Akukho nanye kwezi zinto efuna ukuthengwa ngokugqithisileyo. Xa utshintsha ingqalelo yakho kwizinto ezibalaseleyo ezingenamagumbi aphambili, uxinzelelo lokufumana. Imifanekiso yempahla encinane, qokelela ii-panel namaphetshana e-collet, gcwalisa umqulu wakho ngempembelelo ecacileyo, kwaye ubhale phantsi amagama abazobugcisa ofuna ukuwalandela kwi-intanethi. Ezi nkumbulo azinanto zinokubiza yona ilahleko ehlala ixesha elide kunezinto eziqokelela uthuli. Ngokuzixabisa ngeliso isiganeko ngaphaya kwentengiso, ungazicingela impumelelo yendibano yakho.

Ukuba uhamba neqela, yenza isivumelwano sokubhiyozela amava. Umzekelo, jongana ukuba ufumana eyona nto ibalulekileyo yokuyila, okanye bona ukuba ngubani onokuthi aqokelele eyona nkululeko ingaqhelekanga. guqula ubuqhophololo ube yindawo engaqhelekanga endaweni yomthetho ongqongqo. Abakhohlisi abaninzi abanamava bathi iinkumbulo zabo ezimnandi azinanto yakwenza noko bakuthengileyo, kwaye yonke into yokwenza nabantu abadibana nabo kunye nabo kunye namaxesha ababephila ngawo.

Isiphelo

Ukulungelelanisa ukuthengwa kwendibano kunye nemilinganiselo yoqingqo-mali ethintelweyo akufuni ukuthi hayi kukuzonwabisa; kufuna ukuba uewe kwinjongo ecacileyo yoqingqo-mali. Ngokubeka uphando oluchanekileyo, abathengisi namaxabiso, ukwakha uluhlu olunezalathiso, ukukhetha indlela yokuhlawula eqinisa imida yakho, kwaye usebenzise iindlela zokulawula iingcinga zequmrhu, ungahamba umgangatho wendibano onomtsalane othengwayo ngentembelo. Ukuqonda ixabiso lokwenene lokuzinzisa imali, ukuhlolisisa iindlela zokugcina imali, nokulungisa uvavanyo lweposi olufutshane lokulola indlela yakho yokusondela ngexesha elifutshane. Ngaphezu koko, sebenzisa amava. Ngalo ndlela, ubuyela ekhaya ngobuncwane obunyusileyo ubuqokelelwe bakho. [20] kunye nefoto yemali ekuvumela ukuba uphumle. Indibano engcono inokuba yindlela elula.