Okuyinhloko yemali

Imali ibilokhu idlala indima ebalulekile empilweni yabo bonke abantu, futhi isisekelo sabo sokuthengiswa kwezwe lonke sithonya ukuthuthukiswa komnotho kuwo wonke amazwe.

Kungenxa yalesi sizathu ukuthi kubalulekile ukuqonda ngokuningiliziwe ngemvelaphi yemali, isisekelo sabo kanye nezinhlobo.

Imvelaphi kanye nemali yemali

Kusukela ekucabangeni kwemfundiso yokuziphendukela kwemvelo yemvelaphi, kwaphakama ngenxa yalokho kusetshenziselwa ukushintshaniswa kwempahla, kanye nokukhiqizwa. Ekuqaleni kokuthuthukiswa okunjalo, ukushintshanisa izimpahla, umuntu akadingi izikweletu. Yenziwe, okuthiwa, i-barter, okungukuthi, uthengisa izimpahla futhi ngesikhathi esifanayo uthenge enye. Ngamanye amazwi, ukwakhiwa kwe-chain kwakha.

Ngakho-ke, inqubo yokukhiqizwa kwempahla yenze izinguquko, futhi yagcwaliswa kakade iminyaka eyizinkulungwane ezimbili BC. kwavela ezinye izilinganiso zemali. Yiqiniso, bonke abantu babokugcina uketshezi, noma izinkomo, ama-seashell, njll. Ngakho-ke, izikhumba ze-squirrel zaseRussia zaziswa kakhulu, eJalimane - izinkomo, naseMongolia - itiye.

Ngemva kwesikhashana, insimbi yayimisiwe, ake sithi, isihloko sokwethenjelwa ngokwezimali, ngakho-ke igolide nesiliva beza esikhundleni sensimbi nethusi. Kuze kube ngu-19 ubuciko. Amazwe amaningi asebenzisa izinhlamvu zemali ezimbili. Kodwa kakade ngekhulu le-19, amazwe aseYurophu ayekhetha igolide.

Uma singakhulumi nje kuphela ngemali yemali, njengelwimi lomhlaba wonke lwemakethe, kodwa futhi mayelana nemvelaphi yamaphephasivivinywa wephepha, bekungowokuqala ukuvela eChina ngo-812. EYurophu, kwakukhona ngekhulu le-17.

Essence kanye nezinhlobo zemali

Empeleni, imali iyisici sezomnotho esisebenzayo kakhulu, okuyinto intambo ehlangene phakathi kokukhiqizwa kanye nabahlanganyeli bemakethe.

1. Imali yempahla . Lokhu mhlawumbe yizinto zokuqala ezomnotho, ezisebenza njengeyunithi edayisiwe, futhi zathengwa. Ezweni lanamuhla, zithandwa emazweni anomnotho ophezulu.
2. Cash . Ngaphansi kwabo kufanele aqonde zombili amabhange kanye nezinhlamvu zemali ezithathwe esandleni ngesandla.
3. Okufanayo Yilokho owawujwayele ukukhokha ukuthenga kwakho. Umehluko kuphela phakathi kwemali enjalo ukuthi inani labo lidlula izindleko zokukhiqiza.
4. Ukukhokhwa kwezomthetho . Umuntu uzongena kule fomu yezimali uma kwenzeka ukukhokhwa kwezikweletu.
5. Idiphozi yaseBhange . Wonke umuntu uyazi ukuthi lezi yizikhwama ozifaka ebhange lokugcina.
6. Izikhwama ze-Electronic . Babizwa nangokuthi "amakhadi ahlakaniphile". Ziqukethe i-microprocessor, lapho kukhona ulwazi mayelana nemali yakho ye-elektroniki.
7. Imali engekho imali . Lokhu kufaka phakathi ama-akhawunti kumabhange ezentengiselwano nezombuso.
8. Inethiwekhi . Imali enjalo, cishe, ayikwazi ukuhlanganiswa, yebiwe. Ziyinkimbinkimbi ye-electronic, lapho imali yakho idluliselwa khona ngamanethiwekhi e-elektroniki.

Izinto ezisemqoka nezakhiwo zemali

Okokuqala, kufanele kubone ukuthi benza indlela yokuthenga nokuthengisa izimpahla ezihlukahlukene, izinsizakalo, njll. Kulesi simo, imali abanye abaxhumanisi.

Zenza njengendlela yokuqoqa, okuyizinto zakho. Ngenxa yalesi sakhiwo, ungagcina, uthola umsebenzi onzima, ingcebo. Uma ufisa, ungayisebenzisa njengendlela yokukhokha.

Imali yezwe ibonisa izimfanelo zayo ekusebenzeni abasebenzi, ukukhushulwa kwempahla, izimali , njll. Ngeke kube yinto engafanele ukukhombisa ukuthi iyinkokhelo yamazwe ahamba phambili emhlabeni (i-dollar), kanye nalabo abavela ekuthengisaneni ndawonye (i-euro).

Njengendlela yokukhokha, imali ibonakala ekukhokhweni kwemiholo, ukudayiswa kwezimpahla ngokuhlinzekwa ngesikweletu, ukukhokhwa kwezintela, ngenkathi isidingo kanye nesimo sabo kulokhu kuphefumulela ukuvela kwezimali zokushintshanisa, amanothi ebhange, okungekho ngaphezu kwemali yesikweletu.