UMarco wathenga imoto eminyakeni emithathu edlule.
Wayikhokhela amayero angu-30,000 €. Uma umbuza ukuthi ibiza malini, uphendula athi "amashumi amathathu ezinkulungwane" engacabanganga.
Yintengo ayikhumbulayo. Yinombolo esephepheni lokuthenga, leyo ayibona iphuma ku-akhawunti.
Kepha akusilo inani lemoto.
Ukuba uMarco ubeyifaka ekuthengisweni kusasa, lelo modeli, ngalawo makhilomitha, kusayithi yezimoto ezisetshenzisiwe, belingathola mhlawumbe amayero angu-18,000 €. Mhlawumbe ngaphansi.
Amayero ayizinkulungwane eziyishumi nambili ahwamukile eminyakeni emithathu. Kancane kancane, ngaphandle kosuku oluqondile, ngaphandle kokuthi kube khona omtshelayo.
Lokho kwehla okuthule kunegama: kubizwa ngokuthi ukwehla kwenani (i-depreciation).
Futhi ukukuqonda yikho okuhlukanisa inani lemfuwa esele langempela kwelikhukhumele.
Intengo oyikhokhayo nenani elisalayo yizinto ezimbili ezehlukene
Ake sicacise ngokushesha amagama, ngoba sonke isihloko sizungeza lo mehluko.
Intengo yokuthenga yilokho okuchithile. Kuyiqiniso lomlando, inombolo yesikhathi esidlule. Ayishintshi nanini: eminyakeni engamashumi amathathu edlule noma izolo, isala injalo.
Inani elisele yilokho impahla ebiza khona manje, uma ubungayithengisa namuhla emakethe. Kuyiqiniso lamanje. Futhi lishintsha njalo.
Eziningi zezimpahla oziphetheyo, lezi zinombolo ezimbili ziyaqhelelana ngokuhamba kwesikhathi.
Imoto ilahlekelwa inani ngokushesha nje lapho uphuma kumthengisi. Isofa, ikhompyutha, ibhayisikili, into kagesi yasekhaya: indaba efanayo. Zisebenza kahle kakhulu, kepha zibiza ngaphansi kwalokho ozikhokhele khona, futhi minyaka yonke zibiza kancane nakakhulu.
Ukwehla kwenani yilokhu kanye: ukwehla kancane kancane kwenani lempahla ngokuhamba kwesikhathi, ngenkathi uyisebenzisa futhi iguga.
Akusiwo umbono onokudangala. Kuyiqiniso lemakethe yezinto ezisetshenzisiwe, elikhona ngaphandle kokuthi uzizwa kanjani ngemoto yakho.
Kungani intengo yokuthenga ikhukhumalisa inani lemfuwa esele
Lapha sifika ephuzwini elibalulekile endaweni eqondile yomkhumbi yakho.
Ake sikhumbule ukuthi kuyini. Indawo eqondile yomkhumbi — inani lakho lemfuwa esele — yinombolo eyodwa: konke okuphetheyo, kususwe konke okukweletayo. Ikhoodinethi oqala kuyo noma yisiphi isinqumo.
Manje cabanga wakha leyo khoodinethi ubala izimpahla ngentengo ozikhokhele yona.
Imoto kaMarco ingena ngo-30,000. Ikhompyutha eyathengwa eminyakeni emibili edlule ngamayero angu-1,500 € ingena ngo-1,500. Isofa lasegumbini lokuhlala lisangena ngamayero angu-2,000 € ase-showroom.
Umphumela yinani lemfuwa esele eliphakeme kunelangempela.
Hhayi kancane. Emndenini onemoto, ifenisha, izinto ze-elekthronikhi, izinsizakusebenza ezithile, umehluko ungafika emashumini ezinkulungwane zamayero.
Futhi ngamayero angekho.
Uma kusasa uMarco edinga imali esheshayo athengise konke, ubezothola izintengo zemakethe yezinto ezisetshenzisiwe, hhayi ezezinkumbulo zakhe. Umehluko awuveli ngesikhathi sesidingo: umane nje, awukaze ube khona.
Lolu wugibe olunomusa kunazo zonke lwezezimali zomuntu siqu.
Alukuqambeli amanga ngenombolo engalungile. Lukuqambela amanga ngenombolo eduduzayo. Lukwenza uzizwe uqine ukwedlula lokho oyikho, futhi ukuphepha kwamanga kuwuhlobo kanye lwento eholela ezinqumweni ezingalungile ezithathwa ngokuthula komuntu okholwa ukuthi unesikhala.
Yingakho endaweni eqondile yomkhumbi impahla ibalwa ngalokho ebiza khona namuhla, hhayi ngalokho oyikhokhele khona.
Imoto ethengwe ngamayero angu-30,000 € eminyakeni emithathu edlule, futhi namuhla ebiza amayero angu-18,000 € emakethe, ingena ekubalweni ngo-18,000.
Akuthokozisi kangako. Kepha kungokwakho ngempela.
Bese kuthiwani ngendlu? Akukho konke okwehlayo
Kuze kube manje ngikhulume ngezinto ezigugayo. Kepha akusizo zonke izimpahla eziziphatha kanjalo.
Indlu iyisimo esiphambene, okungenani ngokuvamile.
Isakhiwo singakwazi ukugcina inani laso ngokuhamba kwesikhathi, noma sikhule nokukhula, kuya ngendawo, ngemakethe, ngokuthi usinakekela kangakanani. Indlu ethengwe ngamayero angu-200,000 € eminyakeni eyishumi edlule ingabiza namuhla angu-230,000 €. Noma angu-180,000 €, uma indawo isishintshe kabi. Kuya ngokuthi.
Umgomo, nokho, uyafana ncamashi: kubalwa inani lemakethe lamanje, hhayi intengo owayikhokha ngaleso sikhathi.
Kusebenza ezimpahleni ezikhuphukayo ngokufanayo ncamashi nakwezehlayo. Ikhoodinethi ifuna iqiniso lanamuhla, ezinkombeni zombili.
Kukhona ubucayi obubalulekile, futhi buthinta indlu ukwedlula noma yini enye.
Ukuthi impahla ibiza kakhulu akuyenzi impahla ekusebenzelayo.
Indlu ohlala kuyo, ngisho noma inani layo likhuphukile ephepheni, ngenkathi uhlala kuyo ayikukhokheli nayero elilodwa. Kunalokho: ikucela izindleko — ukunakekelwa, intela, amabhili. Isala iyilokho esikubiza ngokuthi i-Asset−, i-asset emunca imali esikhundleni sokuyikhiqiza. Ngabhala ngakho kwenye indawo, kulesi sihloko esizinikele, futhi lapha ngima ekukhombeni nje ukuze ngingaziphindi.
Zigcine zihlukene, lezi zindiza ezimbili. Ukuthi impahla ibiza malini kungumbuzo owodwa. Ukuthi ikunika noma ikuthathela imali ngenkathi uyiphethe kungomunye. Uyazidinga zombili ukuze ufunde kahle indawo yakho.
Indlela mina engicabanga ngayo, ngokusebenzayo
Ake ngikuxoxele ukuthi ngiyiphatha kanjani le nto emfuyweni yami, ngoba indlela ibaluleke ukwedlula noma yimuphi umthetho ongabambeki.
Angifuni ukunemba kuze kufike kusenti. Ngifuna ubuqotho.
Ezimpahleni ezehlayo — izimoto, izithuthuthu, izinto ze-elekthronikhi ezibizayo — ngisebenzisa isilinganiso esingokoqobo salokho engingakuthola uma ngizithengisa manje. Ngemoto kwanele imizuzu eyishumi kumasayithi ambalwa ezikhangiso zezinto ezisetshenzisiwe: ufuna imodeli efanayo, unyaka ofanayo, amakhilomitha afanayo, ubone ukuthi iphakanyiswa ngamalini. Leyo yinombolo yakho, eyehliselwe phansi uma ungabaza.
Akudingeki uyivuselele masonto onke. Imoto ayishintshi inani ngoMsombuluko. Isilinganiso esibuyekezwa njalo ezinyangeni ezithile sanele ngokwedlulele — isenzo esenziwa ngokuthula, hhayi inkathazo.
Ngendlu, ukucabanga kuhamba kancane nakakhulu. Inani lesakhiwo linyakaza ngeminyaka, hhayi ngezinyanga. Ukubuyekeza kanye ngonyaka, ubuka ukuthi kuthengiswa kanjani endaweni yakho, kwanele kweqile.
Umthetho engizinike wona ulula: kungcono isilinganiso esiqaphile esivuselelwa ngezikhathi ezithile kunenombolo enembile eme ngosuku lokuthenga.
Ikhoodinethi eqaphile kancane ikwenza ulale ngokuthula. Ikhoodinethi ekhukhumele iyakukhohlisa, futhi inkohliso ekugcineni iletha isikweletu sayo.
Yini uCashfulness ayenzayo ngakho konke lokhu
Ngifika endleleni i-app engena ngayo kule ngxoxo, ngihlala nginembile ngokuthi yini eqinisekisiwe nokuthi yini engaqinisekisiwe — ngoba esihlokweni esinjena kulula ukuthembisa imilingo engagcinwa.
Engiqiniseka ngakho ngumgomo oyisisekelo. Lapho ubhala impahla kuCashfulness, uyibhala ngenani layo — futhi lelo nani lilondla inani lakho lemfuwa esele ngesikhathi sangempela, ngenxa yenjini ye-double-entry bookkeeping engaphansi. Izimpahla ezehlayo zingena ngalokho ezibiza khona manje, hhayi ngalokho ozikhokhele khona. Lokhu kuyinhliziyo yendawo eqondile yomkhumbi, futhi kuqinile.
Kukhona-ke, phakathi kwamathuluzi e-app, umsebenzi obizwa ngokuthi Ukwehla Kwenani nomunye obizwa ngokuthi Ukuvuselelwa Kwama-Asset. Owokuqala uphathelene nezimpahla ezehla ngenani, owesibili nezikhuphukayo — kanye izinkomba ezimbili esikhulume ngazo.
Ngendlela asebenza ngayo ngemininingwane, nokho, ngikhetha ukuba qotho ngingagcwalisi izikhala ngokucabanga.
Engingakutshela ngokuqiniseka yindlela, futhi indlela ayinami nokuthi yiliphi ibhathini olicindezelayo.
Gcina izimpahla zakho ngenani eliqotho. Buyekeza lelo nani ngokuthula, ngezikhathi ezithile, kaningi ngezinto eziguga ngokushesha futhi kancane ngalezo ezinyakaza kancane. Vumela inani lakho lemfuwa esele lixoxe iqiniso lanamuhla, hhayi inkumbulo yayizolo.
Uma i-app ikusiza ukukwenza ngomzamo omncane, kungcono kakhulu. Kepha isenzo esibalulekile ngesakho: ukunquma ukubuka inani langempela, esikhundleni salelo elikhululekile.
Iqiniso elingathokozisi yilo olidingayo
Kukhona okungakhululekile ekuboneni imoto oyikhokhele amayero angu-30,000 € ingena emfuyweni yakho ngo-18,000.
Kubonakala kuwukulahlekelwa. Ngandlela thile kunjalo — kepha kuwukulahlekelwa osekwenzekile kakade, hhayi okubangelwa nguwe ngokukubuka ebusweni. Bekukhona noma kunjalo. Ukuphela kokukhetha onakho ukuthi uyakubala noma uyakuziba.
Ukukubala kubiza ukudabuka okuncane namuhla.
Ukukuziba kubiza isinqumo esingalungile kusasa, esithathwa ngokuqiniseka komuntu okholwa ukuthi unesikhala angenaso.
Indawo eqondile yomkhumbi isebenza kuphela uma iyiqiniso. Ikhoodinethi enomusa ekutshela lokho ofuna ukukuzwa ayikuyisi ndawo: ikugcina umile lapho ukholwa ukuthi ukhona, okuyindawo ehlukile kuleyo okuyo ngempela.
Ukunika izimpahla zakho intengo efanele — eyanamuhla, hhayi eyezinkumbulo — kungesinye sezenzo ezilula neziqotho kunazo zonke ongazenzela ukuthula kwakho.
Akukwenzi ucebe nakakhulu.
Kukwenza wazi nakakhulu. Futhi usendaweni yeqiniso, ngisho izinqumo ezinzima zithathwa ngokuthula okwengeziwe.
— Vittorio