Indlela olawula ngayo imali yakho ngoku iza kukuchaphazela kwikamva. Abantu abaninzi banomuvo wokuthi xa beseneminyaka engamashumi amabini, kuthetha ukuba akudingeki ukhathazeke ngemali okanye oko wenzayo, kuba usenokuba nexesha elininzi lokuhlambulula nayiphina impazamo kwaye ufumane ingqalelo ngezinto ngaphambi kokufikelela umhlalaphantsi. Kubalulekile ukuphatha imali yakho ngendlela efanelekileyo ukususela ekuqaleni. Ngaba ukholelwa nayiphi na yale mihlanu imali engafanelekanga?
01 Imilinganiselo emiSebenzi emihle UnokuziThengisa ngezeMali
02 Yonke Into iya Kusebenza Ngayo
Ukuba uthabatha indlela yonke into eya kusebenza ngayo, ungagqiba iminyaka emininzi ukususela ngoku uze uqaphele ukuba awuzange uphumelele kwiinjongo zakho. Ukuba awuyikucwangcisa kwaye uyasindisa iziganeko ezinkulu zobomi, ngoko awuyi kulungela xa kufika ixesha. Ungeke ulungele ukuthenga ikhaya xa ixesha lifika okanye unokwenza ityala, elingayifumana indlela yokwenza ezinye izinto. Kubalulekile ukuba unesicwangciso sezemali ongayilandela. Esi cwangciso siyakwenza ukuba ukwazi ukunandipha iminyaka yakho-20 xa uhamba phambili ngokwezemali.
03 Uhlahlo lwabiwo-mali Luthatha kakhulu umsebenzi kwaye uncedo ngokwenene
Enye into engafanelekanga ukuba uhlahlo lwabiwo-mali lwenza umsebenzi omningi kwaye akunakunceda ukuba utshintshe imeko yakho. Iinyanga ezimbalwa zokuqala zohlahlo lwabiwo-mali zingathatha umgudu ongaphezulu, kwaye kuthatha ixesha elide ukudala uhlahlo lwabiwo-mali olwenzela imeko yakho. Uninzi lwabantu luyeka uhlahlo lwabiwo-mali emva kwenyanga okanye ezimbini kwaye ke abayiboni impumelelo eyenzekayo ngokulandela uhlahlo lwabiwo-mali. Uhlahlo lwabiwo-mali luyakunceda ukuba uyeke ukukhathazeka ngemali yonke ixesha, kwaye kukunceda ufinyelele iinjongo zakho ngokukhawuleza. Kufuneka ube nebhajethi kungakhathaliseki ukuba unjani imali.
04 Ndingaqalisa Ukulondoloza kamva
Ngokukhawuleza uqala ukugcina ukulungeleka uya kuba yimali. Imali oyilondolozayo kwiminyaka yakho engama-20 iya kukunceda ukuze ungasindisi njengokwanda kwepesenti yengeniso yakho xa usukhulile. Nangona ingeniso yakho iya kwanda njengoko ukhula, ukuba unentsapho, kuya kuba njalo neendleko zakho. Awunakho imali ekhoyo ukuze ulondoloze kwikamva. Kubalulekile ukwenza ulondolozo rhoqo umkhwa ukuze ube nemali oyifunayo ngoku. Ukongeza kwii-akhawunti zakho zokuqala zomhlalaphantsi, kufuneka ucinge malunga nokugcinwa kwamanye ama-akhawunti, ingakumbi ukuba ufuna ukuhlala phantsi okanye ube neenjongo ezithile ofuna ukuzenza. Kufuneka wenze ukugcina umhlala-phantsi ube yinto ephambili kwaye unqume ukusebenzisa izizathu zokuziyeka ukucwangcisa ikusasa lakho .
05 Andiyidingi Ukukhathazeka NgeliTyala lam
Enye into engafanelekanga yokungaqondi kakuhle kukuba awudingi ukukhathazeka malunga nenani lesikweletu enalo xa unako ukwenza iintlawulo zakho ngenyanga. Le ngqondo yenza kube lula ukuvumela ityala linyuka kuwe, kwaye ngokukhawuleza uzifumene kwimeko enzima ukuphuma kuyo. Isilinganiselo sakho semali-ngeniso-mali singakubonisa indlela enzima ngayo imeko yakho . Iyakuchukumisa nokuba ungakanani uchitha imali kwikhaya kwikamva. Kubalulekile ukuba ucinge ngeemeko zakho kwaye wenze izigqibo ezicacileyo malunga nokuthatha ityala elongezelelweyo ngokusebenzisa imali-mboleko okanye ngokusebenzisa amakhadi akho.