Inkcazo yeMali yokuLahla
Ukusekela isiseko sale nqaku, kufuneka uqonde ukuba yintoni imali yokuhlawula imali. Ngokutsho kweInvestopedia:
"Inkqubo yokudala imbonakalo eninzi yemali efunyenwe kwizonyango ezinzulu, ezifana nokuthengiswa kweziyobisi okanye izinto zobugrogasi, zivela kumthombo osemthethweni."
Indlela Ukuhlukana Kwemali Kusebenza
Iskimu sokwazisa ngemveli sisebenza ngale ndlela. Masithi uJim noNathan babandakanyeka ekuthengiseni iziyobisi ezingekho mthethweni, kwaye banokungena kwemali enkulu ezayo. Kuyingozi kwaye budenge ukugcina imali ngokulala, ngoko bafuna indlela yokufumana imali kwibhanki ngaphandle kokukhangela.
Icandelo lebhanki liyadingeka ngu rhu lumente ukuba abike nayiphi na imali ekhoyo kwi-IRS. Ibhanki ingaphinda ibhengeze nayiphi na idiphozithi yemali ekhokisayo, njengemali ephindaphindiweyo yemali okanye abathengi abagcina imali eninzi yemali kwibhokisi ephosiweyo. Ezi ngxelo ze-IRS zenza ukuba imisebenzi engekho mthethweni ingabonwa, kwaye ukuqinisekisa ukuba amashishini ahlawula irhafu.
Ngoko abantu abaqhuba imisebenzi engekho mthethweni bafuna indlela yokufumana imali ebhankini, apho iphephile khona, ngaphandle kokucima ibhanki. Naliphi na imali eninzi yemali, okanye iifowuni ezinkulu eziqhelekileyo eziqhelekileyo azifumaneki ngokusemthethweni. UJim noNatan bavula ishishini elisemthethweni apho ikheshi lihamba ngokukhawuleza njengendawo yokutyela, i-nail salon, ukuhlamba imoto, i-ice cream shop, i-coffee shop, okanye isitishi segesi.
Ezi shishini zibizwa ngokuba "phambili" ekutshatyalaliswa kwemali.
Ngoko xa uJim noNatan behambisa imali egcinwe ebhankini imihla ngemihla kumashishini abo asemthethweni, bongeza imali encinci kwimali yabo yokuthengiswa kweziyobisi kwisikhwama sediphozithi, kwaye imali yabo engcolileyo kwimichiza iyaxutywa ngemali "ecocekileyo" indawo yokutyela okanye i-nail salon. Le yilapho i-term shedding shedding money is from. Kancinci, imali engcolileyo yenza indlela yayo ebhange exutywe ngemali kwamanye amashishini. Ngoko imali ecocekileyo ibonakala ihlambulukile.
Indlela Ukuhlukana Kwemali Kusebenza kwi-eBay
Ekubeni siphila kuluntu lwekhompyutheni, izicwangciso zokutshatyalaliswa kwemali zenze indlela yazo kwi-intanethi. Iintengiso zentengiso zilandelwa. I-Paypal ithumela abathengisi nge-1099K ukuba ezi zimbini zihambelana:
- $ 20,000 kwiintengiso
- 200 izinto ezithengiswayo
Ngoko abanye abathengisi baxolelwa ukufumana umqulu werhafu ovela kurhulumente. (Abadayisi be-eBay mabaxele yonke ingeniso kwishishini labo kungakhathaliseki ukuba le fomu ifunyenwe okanye ayikho.) Ngoko ezinye iintengiso kwi-eBay zihlala phantsi kwe-radar, ngoko kuthetha.
Enye indlela abantu abangenangqiqo abazama ukutshintshana ngemali engcolileyo ukuseta uluhlu lweefake kwi-eBay. Kubonakala ngathi kuthengiselwano lwangempela, kodwa ixabiso lisoloko lithengiswa ngolo hlobo lento, kwaye intengo yokuthengisa ayinangqiqo.
Esinye iskimu sinokusebenzisa iiTepe zeDisney Black Diamond VHS , kodwa kunokuba nayiphi na into. Nantsi indlela esebenza ngayo.
Masithi Jim unomthengi ofuna ukuthenga into engekho mthethweni, njengeziyobisi, impahla ebiwe, okanye izixhobo. Esikhundleni sokudala intengo ngemali, eyingozi kunye nobudenge, uJim utshela umthengi wakhe uya kubeka uluhlu kwi-eBay ngenjongo ethile kwixabiso elithintekayo kakhulu, njenge-Disney Black Diamond VHS. Uya kuthi ke athumele umnxibelelwano kwento kumthengi. Oku kubizwa ngokuba "ukuthengiswa kwangaphambili." Ngoko le vidiyo ingahlawulwa kwi-$ 5,000. Ekubeni iicape ze-Disney VHS azifanelekanga kakhulu, akukho mntu uya kuthenga into leyo, umthengi kaJim uya kuyithenga, imali ihamba ngePaypal. Kwakhona, i-eBay ifumana iifizi zabo ukwenzela ukuba bayonwabile, kwaye i-Paypal ifumana umrhumo wayo weepesenti ezintathu.
UJim uthumela ibhokisi yamatye okanye into engabalulekanga kwidilesi yomthengi kwaye akukho mntu ubulumko.
Emva kokuba intengiso ithe yenzeke kwi-eBay, kwaye imali i-akhawunti kaJim, udibana nomthengi wakhe ukuhambisa iimpahla eziza kubakho kwakhona izidakamizwa, izixhobo, okanye uhlobo oluthile lokuxhatshazwa. Ukuthengiselana kwenzeka, imali ishintshile izandla, izinto ezingekho mthethweni zithunyelwa, kwaye konke oku kwenziwa phantsi kwe-radar.
Kutheni ukuLahla imali kwi-eBay
Ewe, ngokwenene, ngenxa yezizathu ezifanayo ukuhlawulwa kwemali kwenziwa ngamashishini akhishishina. Ukutshintsha ugxininiso. Ukubhabha phantsi kwe-radar. Ukuxuba ukuthengiselana apho kungabonakali khona. I-eBay idala isihlangu esinokudideka ngokumangalisayo abantu abangenangqiqo abanokufihla ngasemva. Izigidi zezinto zithengiswa nge-eBay rhoqo ngeveki, kwaye ezinye zithengiswa ngokusemthethweni kumakhulu okanye ngamawaka eedola. Ngoko kunokuba lula ukudibanisa kwisihlwele kwaye ngokukhawuleza ukukrazula amacebo angekho mthethweni kwiindawo zokuthengisa ezinkulu kwihlabathi.
Ukuba Kukhangeleka Okulungileyo Ukuba Yiyinyani, Mhlawumbi Ngaba!
Le ndala ye-adage ibonisa apha apha. Ukuba ufuna uphando olugqityiweyo kwaye ubone into engabonakali kakuhle, mhlawumbi ayikho. Emuva kwiTepe ze-Disney Black Diamond VHS, abanye bathengisa nge-$ 50, kodwa baninzi bathengisa ngaphantsi kwe-$ 20. Akunjalo nje kuphela loo nto ibalulekileyo njengoluhlu. Xa abantu befumanisa ukuba ndiyithengisa nge-eBay, enye yezinto zokuqala abazibuzayo malunga nevidiyo zeDisney Black Diamond VHS, indlela abanayo ihabhinethi ezele ngayo ekhaya, kwaye kufuneka bafunde ukuthengisa kwi-eBay ukuze bakwazi ukufaka imali. Ngokudabukisayo, ndimele ndibaxelele ukuba baye bachazwa kakubi, kwaye ingxoxo iqala ukuvela. Ukuba intengo yokuthengisa e-eBay ibukeka ilungile ukuba yinyani, ayimangalisa, kunjalo. Yenza uphando olongezelelweyo kwaye ujonge umgaqo wemimiselo. Kukho ininzi ngakumbi kwibali kunokuba ubona kwikhompyutha yakho.