Kukho izihluthulelo ezinhlanu ezinokukunceda ufumane ukulawula kweemali zakho. Landela le nyathelo ezintlanu rhoqo, kwaye iingxaki zakho zemali ziya kuqala ukunciphisa-kunye noxinzelelo lwezemali oluhamba nabo.
Qala ngeenjongo
Into yokuqala enokuyenza kukuba ubhale iinjongo ezithile malunga nento ofuna ukuyenza ngayo ngobomi bakho nemali yakho. Iimali zinokuchaphazela indawo ezahlukeneyo zobomi bakho. Injongo yakho yokuhamba ihlabathi ithintela indlela oza kuceba ngayo imali yakho. Injongo yakho yokuthatha umhlalaphantsi kwangoko kuxhomekeke ekuphatheni kakuhle imali yakho ngoku. Ubunini beeKhaya, ukuqala intsapho, ukuhamba okanye ukuguqula imisebenzi kuyo yonke into iyachaphazeleka ngayo indlela olawula ngayo iimali zakho.
Emva kokuba ubhale phantsi iinjongo zakho zemali, kufuneka ubeke phambili. Oku kuqinisekisa ukuba ubeka ingqalelo kwizinto ezibaluleke kakhulu kuwe. Ungabhala kwakhona ngendlela ofuna ukuyifezekisa, kodwa khumbula injongo yesikhathi eside njengoko ulondoloze umhlalaphantsi, kufuneka usebenze kulo kwaye usebenza kwezinye iinjongo.
Ngezantsi zikho iingcebiso malunga nendlela yokufumanisa iinjongo zakho zemali:
Qala ngokubeka iinjongo zexesha elide njengokuphuma kwetyala , ukuthenga ikhaya, okanye ukuhlala phantsi. Ezi njongo zihluke kwiinjongo zakho ezifutshane.
Beka iinjongo zexesha elifutshane, njengokulandela uhlahlo lwabiwo-mali, ukunciphisa imali yakho , okanye ungasebenzisi iiakhadi zakho zekredithi.
Ukuqwalasela iinjongo zakho ukukunceda wenze isicwangciso semali.
Yakha iSicwangciso
Isicwangciso semali kubaluleke kakhulu ekuncedeni ukuba ufinyelele iinjongo zakho zemali. Isicwangciso kufuneka sibe namanyathelo amaninzi. Isicwangciso sesampula siya kubandakanya ukulawula uhlahlo lwabiwo-mali, ukudala isicwangciso-mali, ukuphuma kwetyala.
Xa usufezile ezi zinto zintathu, ukhulule imali ethile enkulu, kwaye imali oyikhululayo kwiintlawulo zakho zetyala ingasetyenziselwa ukufikelela ezi njongo.
Kule ngongoma, kufuneka wenze isigqibo sokuba zeziphi izinto ezibalulekileyo kuwe. Qhubeka usebenza ngokubhekiselele kwiinjongo zakho zokuhlala phantsi , kodwa qalisa ukugxila kwiinjongo ezibalulekileyo ozibekisele zona. Ngaba ufuna ukuthatha uhambo olungathandekiyo? Qalisa utyalo-mali ? Ukuthenga ikhaya okanye ukwakha ishishini lakho? Zizo zonke izinto ekufuneka uziqwalasele xa usenza isigqibo kwisinyathelo sakho esilandelayo.
Iinjongo zakho, kunye neengxowa-mali ezikhawulezileyo, ziya kukunceda ukuba uyeke ukwenza izigqibo zezimali ngokusekelwe kwesoyika kwaye uncede ufumane ukulawula imeko yakho.
Xa udala isicwangciso semali, khumbula ezi zinto:
Uhlahlo lwabiwo-mali luyintloko kumpumelelo. Esi sixhobo esiza kukunika ulawulo oluphezulu lwekamva lakho lemali. Uhlahlo lwabiwo-mali luyisihluthulelo sokufikelela kwisicwangciso sakho sonke.
Kufuneka uqhubeke uncedisa kwiinjongo zexesha elide njengokulondoloza umhlalaphantsi kungakhathaliseki ukuba yeyiphi na isigaba secebo lakho.
Ukwakha ingxowa-mali yongxamiseko yenye into ebalulekileyo kwimpumelelo yemali.
Gcina kwiBhajethi yakho
Uhlahlo lwabiwo-mali lunye lwezona zixhobo eziza kukunceda uphumelele ngemali.
Ikuvumela ukuba wenze isicwangciso senkcitho ukuze ugxininise imali yakho ngendlela eya kukunceda ufikelele kwiinjongo zakho.
Uhlahlo lwabiwo-mali luyakuvumela ukuba unqume indlela yokuchitha imali yakho. Ngaphandle kwesi cwangciso, ungasebenzisa imali yakho kwizinto ezingabalulekanga kuwe, kodwa ufuna ngexesha, uze uzibuze ukuba kutheni ungaze ufikelele kwiimfuno ezinkulu zemali ozibekelele zona.
Izinto ezimbalwa okumele uzigcinele engqondweni: Nangona emva kokuphuma kwetyala, usasafuna ukuba nebhajethi. Kulula ukuyichitha ngaphezu kokuba wenze, kwaye ukuba unqanda ukulandelela imali yakho, unokwenza isilayidi kwakhona.
Ukuba utshatile, wena kunye neqabane lakho kufuneka nisebenzisane kunye nohlahlo lwabiwo-mali. Oku kuya kukunceda ufezekise iinjongo zakho zezimali kunye kunye nokuthintela ukulwa. Ngezantsi zikho iingcebiso malunga nezibini ezitshatileyo ezifuna ukudala uhlahlo lwabiwo-mali ndawonye:
Cinga ukutshintshela kwinkqubo yokuhlawula iimvulophu esebenzisa imali kwiindidi ezinzima.
Sebenzisa isofthiwe yohlahlo lwabiwo-mali kunye nenkqubo yeselula ukuze ungene kwixesha langempela.
Ukucwangciswa kwangaphambili kunokukunceda ukuba ugweme ukudlula imali.
Phuma kwiTyala
Umatyala ngumqobo omkhulu wokufikelela kwiinjongo zakho zezemali , ngoko ukuphelisa oku kufuneka kube yinto ephambili.
Misela isicwangciso sokuphelisa amatyala , esiza kukunceda ukuhlawula ngokukhawuleza. Nangona uhlawula imali encinci kuyo yonke ityala lakho, ugxininisa imali eyongezelelweyo kwelinye ityala ngexesha kwaye uhambisa yonke imali owawuhlawula ngayo ityala lokuqala emva kokuhlawulwa kweyokuqala, ukudala "umphumo webhola lebhola."
Xa ungekho matyala, kufuneka uzinikele ekuphumeni kwetyala. Yeka ukuthwala amakhadi akho ekwerethi kunye nawe, kwaye ugcine ingxowa-mali engxamisekileyo ukukhupha iindleko ezingalindelekanga ngoko akudingeki ukuba uphendule kwikhadi lekhredithi ukuze uzigubungele. Ezi ngcebiso ziyakukunceda uhlawule ngokukhawuleza amatyala:
Thengisa izinto ukuze ufumane imali eyongezelelweyo ukukhahlela isicwangciso sakho sokuhlawula ityala.
Umsebenzi wesibini unokunceda ukukhawuleza le nkqubo kwaye kunokufuneka ukuba ufuna ukwenza utshintsho oluhlala kwiimeko zakho.
Khangela indawo ongayinqumla ngayo uhlahlo lwabiwo-mali ukunyusa iintlawulo zakho zeetyala.
Ungabi Nesaba Ukucela Iingcebiso
Xa ulungele ukukhulisa ubutyebi bakho kwaye uqale ukutshala imali, kufuneka uthethe kumcwangcisi wezemali ukukunceda wenze izigqibo zakho zokutshala imali.
Umcebisi olungileyo uza kuba nobungozi obubandakanyekayo kulowo nalowo mali-mali, kwaye unokukunceda ufumane iimveliso ezifanisa izinga lakho lokuthuthuzela ngelixa uncedisa ukusebenza kwiinjongo zakho ngokukhawuleza. Umcebisi wezezimali unokukunceda nebhajethi yakho, enye enye kunye.
Khumbula ukuba utyalo-mali lixesha elide lokwakha ubutyebi . Unokufumana uncedo lwemali kwenye indawo.
Icawa yasekuhlaleni okanye isikhungo sabantu singabanika iiklasi kwiimali zabo kunye nohlahlo lwabiwo-mali. Ngamanye amaxesha, iibhanki kunye neemanyano zemali zinikeza izifundo, ngokunjalo.
Unokufumana umcebisi oya kukulungela ukuhamba ngebhajethi yakho kwiinyanga ezimbalwa zokuqala. Oku kunokukunceda ukuba ugxininiswe nebhajethi yakho.
Ukuba ngaba abazali bakho okanye amalungu omndeni ayenemali, cinga ukuba ubacele uncedo, okanye uhlale phantsi uze uxoxe nabo malunga nezinto ezisebenzisayo ngemali kunye noko bayeza kwenza ngokungafaniyo.
Ukuhlaziywa nguRachel Morgan Cautero .