Le mibuzo iyakunceda ugxile kwizinto ezilungileyo
1. Ziziphi ienzo endizithabathe kule veki ukunyusa oko ndikugcinayo? Mhlawumbi waqhekeza ikhofi ebiza kakhulu waza wongeza i-$ 5 kwijelo lakho leengxowa-mali eziphuthumayo ekhaya. Mhlawumbi ugqibe ukukhangela eso sigqoko esitsha kwi-Goodwill. Okanye mhlawumbi ukwandisa oko ufaka isandla kwisicwangciso sakho somhlala-phantsi se- 1 pesenti.
Ukuba uthathe isenzo ngeveki eyongeze ukonga kwakho, uya kumangaliswa apho uza kuba khona ngonyaka.
2. Ngaba ndiyandisa ixabiso lentengo efumanekayo kum? Endaweni yokukhathazeka ngezinga elincinci lomdla, yenza okusemgangathweni nento ekhoyo. Ngaba ugcina imali kwi-akhawunti engakhokheli nto xa ingafumana into? Thatha amanyathelo okufumana oko kukukho kwizinto onayo kwaye xa amazinga enzala aphezulu ehamba kunye nawe uya kuba ulungele.
3. Yiyiphi ikhefu endiyenzayo ukuze ndibe nezakhono ezidinga kakhulu nakwizinga eliphezulu loqoqosho? Ukutshala imali kumsebenzi wakho kukuhamba ngokuhlakanipha. Gcina izakhono zakho ezikhoyo kwaye uqhubeke nokufunda ezintsha, kwaye uya kuba nobunzima bokungqubuzana nokulahleka okuncinci kwemali engenayo.
4. Ndingayityala njani ngendlela enginika ithuba eliphezulu kakhulu lokufumana ibuyiselo ezilungileyo emva kwexesha? Ukutshala imali ekukhuleni akukona ukufumana isona esona sihle. Ngokuphathelele ukwakha iipotifoliyo ezahlukahlukeneyo ezifanele ukutshintsha iimeko eziphezulu kunye neentlawulo kwaye zibuyisele iindleko ezilungileyo ngaphandle kokubeka ubomi bakho engozini emngciphekweni.
Funda indlela yokulandela isicwangciso sokwabiwa kweefa kwaye uza kuhamba ngendlela efanelekileyo.
5. Yiyiphi indlela engcono yokutshala imali ukuze ndiyenze kungakhathaliseki ukuba ngubani okhethiweyo? Ukugcina iliso kwiinjongo zesikhathi eside kukubalulekileyo ekutsaleni impumelelo. Ungavumeli ukhetho oluzayo luguqula izicwangciso zakho zokutyalomali zesikhathi eside . Ufuna isicwangciso esinokutshintsha ixesha lobomi beenguqu kwezopolitiko.
6. Ziziphi iingozi eziza kubakho ukuba ndizithenge xa ndithenga i-investing? Ukuba kukho ukuhlawula izivuno ezingaphezulu kweyona nto inokuyiphatha njengesigxina "qaphela". Buza ukuba zeziphi iimeko eziya kutshintsha ukutshalwa kwezimali okubonakala ngathi kulungile. Ukuba uqonda ingozi, qhubeka uhamba nenxalenye encinane kwipotifoliyo yakho - kungekhona yonke into.
7. Ngaba ndixhalabele kakhulu ngokulahleka kwexeshana (ukungabi nantliziyo) okanye utshintsho oluhlala ngonaphakade (ukunyanzeliswa ukuba uphile ngaphantsi)? Ukufunda iimarike zeebhere zangaphambili kwaye uya kubona ukuba ukunyuka kweemarike-kwanokudlula iminyaka emininzi - ziyimpumelelo zangexeshana xa zijongwa ngaphezu kweminyaka elishumi okanye ezimbini. Gxininisa kwiinjongo zobomi bakho kwaye ungavumeli nayiphi na umdlalo wexeshana ukuphazamisa.
8. Xa bekuya kuba lixesha elihle lokuba ndifikelele kum (Ukhuseleko lweNtlalo / iPensheni) .... Ngoko ukuba ubomi bam obude bemali yomhlalaphantsi bukhuselekile kunokwenzeka? I-trade-off yokufikelela kwangaphambili kwimithombo eninzi yengeniso yokhuseleko lomhlalaphantsi. Ngaba ngokwenene ufuna oko? Hlela kwakhona indlela ocinga ngayo ngalezi zinto ukuze ukwazi ukuzisa ukhuseleko lwemali kwiminyaka yakho yomhlalaphantsi.
9. Iyiphi indlela engcono kakhulu yokuba ndilandele inkqubela yam kwiinjongo zemali? Bonisa indlela yokulandelela ubuninzi obulondolozayo unyaka ngamnye kunye nokuba yeyiphi inzuzo yakho.
Iingxelo zezimali zokulandelela , iinjongo zokulondoloza kunye nenkqubela phambili ekuhlawuleni ityala ligcina ugxininise kwisikhokelo esilungileyo-kwaye kukunceda ukuba uqaphele ngokukhawulezileyo amaxesha apho izinto zihamba khona. Ukuba ufuna ngokwenene ukuphumelela kwimpumelelo yakho yezimali uza kufumana indlela yokulandelela amamethrikhi abalulekileyo.
10. Ndingaqiniseka njani ukuba ukunyuka okubukhali kwimarike ye-stock does not affect my date plans to withdraw? Ukunyuka kweemarike akunakwenzeka. Ukuba yonke imali yakho kwimarike kunyaka uceba ukuthatha umhlalaphantsi, ukuhla kwehla kungonakalisa. Musa ukuvumela ukuba kwenzeke! Qinisekisa ukuba imali enayo kwimarike ayikho imali oya kuyidinga ukuhlala kuyo kwiminyaka elishumi ezayo. Ngesicwangciso esilungisiweyo somhlala-phantsi somhlala phantsi, ukunyuka kweemarike akufanele kukunyanzele ukuba utshintshe usuku lwakho lomhlalaphantsi.