Ingundoqo yemali

Imali isoloko idlala indima ebalulekileyo ebomini yabo bonke abantu, kwaye intsingiselo yazo yokuthengiswa kwehlabathi lonke ithonya uphuhliso loqoqosho lwazo zonke amazwe.

Kungenxa yesi sizathu ukuba kuyimfuneko ukuqonda ngokubanzi inkcazelo yemvelaphi yemali, intsingiselo yazo kunye neentlobo.

Imvelaphi kunye nenqobo yemali

Ukususela kwingcamango yombono wokuziphendukela kwemvelaphi yemvelaphi yemali, zavela ngenxa ye-exchange exchange commodity, kunye nemveliso. Kwinqanaba lokuqala lolo phuhliso, ukutshintshiselana kwempahla, umntu akafunanga nayiphi na iindleko. Eyenziwe, okuthiwa, i-barter, oko kukuthi, uthengisa iimpahla kwaye ngexesha elifanayo uthenge enye. Ngamanye amazwi, ityunithi yokuthengiswa yakhiwa.

Ngaloo ndlela, inkqubo yokuveliswa kwemveliso yenziwe inguqu, kwaye yagqitywa kakade kwiminyaka eyi-2 eyi-BC. ezinye iimali zemali zavela. Enyanisweni, bonke abantu babekugqibela ukwenza ityuwa, okanye iinkomo, ama-seashells, njl. Ngako oko, kwiikhumba ze-squirrel zaseRussia zazixabiseke kakhulu, eJamani - iinkomo, naseMongolia - itiye.

Emva kwexeshana, isinyithi sasigxininiswa, masithi, isihloko sokwethenjelwa kwemali esithembekileyo, kwaye ngoko igolide nesilivere beza kuthatha indawo yobhedu kunye nentsimbi. Ukufika kobugcisa obu-19. Amazwe amaninzi ayesebenzisa iintlawulo zemali ezimbini. Kodwa sele ikhulu le-19 leminyaka, amazwe aseYurophu ayekhetha igolide.

Ukuba asikhulumi nje ngokusuka kwemali, njengelwimi lwehlabathi lemarike yehlabathi lonke, kodwa nangenxa yemvelaphi yeebhilikhi zephepha, beyokuqala ukuvela eChina ngo-812. EYurophu, kwakukho ngekhulu le-17.

Ubungakanani kunye neentlobo zemali

Okubalulekileyo, imali yinto ebalulekileyo kakhulu kwezoqoqosho, nto leyo edibeneyo phakathi kokuvelisa kunye nabathathi-nxaxheba bemarike.

1. Imali yempahla . Oku mhlawumbi yinto yokuqala yezoqoqosho, isebenza njengeyunithi ethengisiweyo, kwaye ithengwe. Ehlabathini lanamhlanje, ziyaziwayo kumazwe anamaxabiso aphezulu.
2. Cash . Ngaphantsi kwabo kufuneka aqonde iibhanki zombini kunye neengxowa-mali ezigqithwe ukususela kwisandla ngesandla.
3. U mqondiso . Yiloo nto oye wasebenzisa ukuhlawula ukuthenga kwakho. Umehluko kuphela phakathi kwemali leyo kukuba ixabiso labo lidlula iindleko zemveliso.
4. Ukuhlawulwa komthetho . Umntu uhlala kwindawo yelo mali xa kwenzeka ukuhlawulwa kwamatyala.
5. Idibansi yebhanki . Wonke umntu uyazi ukuba le yimali oyifakayo kwisitoreji sebhanki.
6. Izikhwama zombane . Babizwa nangokuthi "amakhadi ahlakaniphile". Ziquka i-microprocessor, apho kukho ulwazi malunga nemali yakho yekhompyutha.
7. Imali engekho imali . Ezi ziquka iakhawunti kwiibhanki zorhwebo nezorhulumente.
8. Ukunxibelelana . Leyo mali, phantse, ayiyi kubanjwa, ibiwe. Ziyinkqubo yekhompyutha, apho imali yakho idluliselwa kwiinkonzo ze-elektroniki.

Ubungakanani kunye neepropati zemali

Okokuqala, kuyafaneleka ukuba uqaphele ukuba baqhuba indlela yokuthenga nokuthengisa izinto ezahlukeneyo, iinkonzo, njl njl. Kule meko, imali yabanxulumene nabanye.

Benza njengendlela yokuqokelela, okuyimpahla yakho. Ndiyabulela kule propati, ungasindisa, ufumane umsebenzi onzima, ubutyebi. Ukuba unqwenela, ungayisebenzisa njengendlela yokuhlawula.

Imali Yehlabathi ibonakalisa iimpawu zayo kwinkqubo yokuncedisa abasebenzi, ukukhuthazwa kwempahla, imali-mali , njl. Akuyi kuba yinto engabonakaliyo ukubonisa ukuba yimali yelizwe elikhokelayo (idola), kwakunye nezo zivela kwi-transaction (euro).

Njengendlela yokuhlawula, imali ibonakaliswe ekuhlawulelweni kwemivuzo, ukuthengiswa kweempahla ngokubonelela ngekhredithi, ukuhlawulwa kweerhafu, ngelixa iimfuno zabo kunye nesitshixo kulo mzekelo ziphefumlele ukuvela kweebhanki zokutshintshiselana, amanqaku eebhanki, ayingabi ngaphezu kwemali yesikweletu.