Ifomula engcono kakhulu ongayonga ekupheleni kwenyanga. Umthetho we-50-30-20

Umthetho we-50-30-20

Ukonga ekupheleni kwenyanga akuyona into elula ukuyenza. Kodwa nathi asinakusho ukuthi akunakwenzeka. Empeleni, kungenzeka futhi kukhona amafomula amaningana ongawasebenzisa. Enye yazo, eyaziwa kakhulu, umthetho we-50-30-20 ongalawula ngawo izindleko futhi usungule ibhalansi eyamukelekayo phakathi kwemali engenayo nezindleko.

Kodwa ukuthola thola okuningi kulo mthetho, Kudingeka ukwazi kahle ukuze ufeze umgomo. Uyafuna ukwazi okwengeziwe? Bese ubheka lo mhlahlandlela lapho ngichaza khona konke mayelana nefomula.

Uyini umthetho we-50-30-20 nokuthi kungani usebenza

Indlela yokulondoloza imali ekhaya

Ukuze uqonde umthetho we-50-30-20, into yokuqala okudingeka uyazi ukuthi isho ukuthini futhi, ngaphezu kwakho konke, ukuthi izinombolo ezikuwo zisho ukuthini. Nokho, ifomula iqukethe ukuhlukanisa imali engenayo ngenyanga ibe izigaba ezintathu ezahlukene:

  • Ama-50 ahambisana no-50% wezindleko zakho ezibalulekile noma izidingo. Okungukuthi, lezo zidingo eziyisisekelo okufanele uzikhokhele kungakhathaliseki ukuthi kwenzekani, njengerenti yefulethi, isikweletu sendlu, izikweletu zezinsiza, ukudla... Ngicabanga ukuthi uzowuthola umqondo, kodwa, ngokuvamile, kusebenza kukho konke okudingekayo ukuze uphile nokuthi kufanele ukukhokhele. Kulokhu, phakathi kwalezi zindleko uzoba nalezo ezingashintshiwe (eziba khona nyanga zonke), kanye neziguquguqukayo ezingase zidinge, kodwa ezesikhashana, njengokuthenga izingubo.
  • 20 ihambisana nokonga noma izinkokhelo zezikweletu. Ngiyazi ukuthi njengamanje uzocabanga ukuthi ukonga akufani nokukhokha izikweletu. Futhi kuyiqiniso, akunjalo. Kodwa ngizokuchazela. Le mali egcinwa kuleso sigaba iyona oyoyisebenzisa ukukhokha izikweletu onazo noma ozitholile; Kodwa-ke, futhi ukuze, uma kwenzeka imali ingadingeki, ungayishiya igcinwe njengezinto eziphuthumayo zalokho okungenzeka esikhathini esizayo (into ephukayo, isibonelo, noma okufanele uyithenge).
  • Okokugcina, u-30 usho u-30% wemali engenayo eyabelwe lezo zindleko ozikhethela noma izifiso onazo. Isibonelo, ukukunikeza umbono, kubhekise ezindlekweni njengokuphuma uyodla nabangani, ukuya ejimini noma ukuthenga into oyithandayo ongakwazi ukuyikhokhela noma oyifunayo ngaleso sikhathi. Inhloso ukuthi imali isetshenziselwe lokho okukujabulisayo nalokho ongakwazi ukukukhokhela ngaleyo mali. Uma ukuphela kwenyanga kufika futhi ungakayisebenzisi, ngingakudlulisa imvilophu engu-20 njengemali oyilondolozile inyanga yonke.

Usebenza kanjani umthetho we-50-30-20

Amathiphu okusindisa imali

Manje njengoba sekucacile kuwe ukuthi uyini umthetho we-50-30-20, isinyathelo esilandelayo ukuqonda ukuthi kufanele uwusebenzise kanjani futhi uwenze usebenze. Ukuze wenze lokhu, kuhle ukuba nohlu lwezindleko onazo ngenyanga kanye nemali engenayo oyitholayo. Ungakhohlwa lutho, kungakhathaliseki ukuthi kuncane kangakanani noma kushibhile kangakanani kuwena ngoba lokho kuzokusiza uqonde zonke izindleko onazo futhi uma zidingeka ngempela noma ungazinaki.

Uma bona izindleko ongazigwema, Isibonelo, ngokubhaliselwe ongakusebenzisa, kungcono ukukususa. Yilokho abavame ukukubiza ngokuthi izindleko ze-vampire.

Endabeni yemali engenayo uzoba lula ngoba kulula ukukuthola nokubhala.

Uma usunalokhu, kufanele wazi ukuthi isamba semali engenayo onayo siyini futhi uyihlukanise izingxenye ezintathu. U-50% wemali engenayo yezindleko ezibalulekile. u-30% wezindleko ezingakhishwa noma ama-whims; kanye nama-20% okonga noma ukukhokha izikweletu.

Izindlela ezisebenzayo zokugwema amapokhethi angenalutho

Manje, kufanele ukukhumbule ukuthi:

  • Ngamaphesenti angama-50 omholo wakho kufanele ukhokhele izindleko. Uma kwenzeka unokuningi, uma kungekuningi, akukho okuzokwenzeka; Kodwa uma ungawukhavi futhi kufanele usebenzise u-20%, kusho ukuthi umnotho wakho awumuhle kakhulu futhi kufanele ucabange kabusha ukuwulungisa.
  • Ngo-30% uzobe unakekela lokho okungakujabulisa. Kodwa uma izindleko ziphezulu kakhulu uzophinde ube senkingeni. Ngakho kufanele siqinisekise ukuthi lokhu akwenzeki. Uma kwenzeka ungenayo lezo zifiso, ungafaka lokhu emvilophini yokonga. Noma, uma izindleko zakho ziphakeme, zinikeze lapho.

Kumele uqonde ukuthi lo mthetho we-50-30-20 awuyona into ehleliwe. Kuyiqiniso ukuthi kubizwa kanjalo. Kodwa lokho akusho ukuthi izinombolo azikwazi ukuhlukahluka. Okungukuthi, umthetho ungaba 60-20-20, noma 80-10-10. Kuyiqiniso ukuthi owaziwa kakhulu ngeyokuqala; Nokho, kuye ngebhizinisi noma umnotho nendlela yokuphila, ukulenza livumelane nezimo kungase kucatshangelwe. Isibonelo, emnothweni wabantu ababili, umthetho ungaba yilokho. Kodwa futhi inketho yokusungula izingxenye eziningi zokuhlukanisa imali engenayo.

Manje njengoba usuwazi umthetho we-50-30-20, ungawufaka kanjani esenzweni futhi ubone ukuthi yikho yini obukudinga ukuze wonge imali?


Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.