Ukuqulunqa iNqanaba eliLungileyo lokuLawulwa koLondolozo lwakho
Inxalenye enkulu yale siseko yimeko yakho yobunini .
Kwimiqathango yokuphendula, ukuthengiswa kwemali kubhekisele kwizixhobo ezikwiphepha le-balance sheet elingaphakathi , okanye likwazi ukulula, ngokukhawuleza liguquke libe yimali. Eyona nto ibalulekileyo kwizinto eziphathekayo ezikhoyo ziza kuba zilapho xa uzifikelela, kwaye ukhuseleko lwenqununu alunakubeka engozini.
Ayikho imfihlelo yokuba, ukuba umtyalomali omncinci, indlela evelele kakhulu yokupaka imali ngaphandle kweenjongo zokuthengiswa kwezimali kukusebenzisa i-akhawunti yokulondoloza. Siye sathetha nge-akhawunti yokulondoloza kwiintsuku ezimbalwa ezedlule, kubandakanywa nento endibhalileyo ebizwa ngokuba yizinto ezi-5 omele uzikhangele kwi-Akhawunti yokuThengisa , ecacisa uluhlu lweempawu okanye iimpawu ozimele ufune kwi-bhanki okanye kwiziko lakho lezemali.
Ingakanani Imali Okufanele Uyigcine kwiAkhawunti Yokugcina
Yonke into elinganayo, nokuthetha ngokubanzi, imfundo, impendulo ilula kunokuba ibonakale. Isixa semali umtyalomali kufuneka agcine kwi-akhawunti yokulondoloza iya kusekelwe kwizinto ezimbalwa, eziquka:
- Ukuzinza kwimeko yakhe yengqesho okanye omnye umthombo oyintloko wemvuzo
- Izinga leendleko ezizinzileyo azinzileyo ngenyanga
- Imilinganiselo yakhe yokuphila
- Ubungakanani bemfuno ezinkulu kwizinto eziphathekayo, ngokukodwa ezo ezinokuvela kwesaziso esifutshane
- Isixa semali efuna ukuba azive ekhuselekile, okuyiyo ingqwalasela yengqondo eyahlukileyo kumntu kumntu kunye nangonyaka ukususela kwisigaba sokuphila
Masithathe isikhashana ukuhlolisisa ezimbalwa kwezo zinto ngokubanzi ukuze ufumane ingcamango yamanqanaba emali angathi afanelekileyo kwi-akhawunti yokugcina imali.
Ukunyaniseka malunga Nokuzinza Kwimeko Yakho yeNgeniso
Ngaba uprofesa oqeqeshiweyo kwiyunivesithi e-Ivy League eneencwadi ezininzi ezipapashiweyo, ishedyuli ebhaliweyo yeengxoxo zokuhlawula ezihlawulelwayo eziphezulu, kunye neklasi elide eliyingcali efunyenwe ngokukhawuleza, zonke ezidibeneyo ukuze zivelise ngokuzinzile, ezinomvuzo , ingeniso yesithandathu-ntlawulo okanye ungumsebenzi wexeshana kwimboni yexesha elijongene nexesha lokuqhaqhazela ukuze ungazi ukuba uya kuba nomsebenzi kwikota ezayo?
Nangona iifomu zifana, umntu ogqityiweyo uya kufuneka abe namaxesha amaninzi kwinqanaba lemali ehleli kwi-akhawunti yokugcina ukukhusela ngokwaneleyo intsapho yakhe kwintlekele eyingozi kuba umntu onokugqibela unxunguphalo oluthile lomntu.
Enye indlela yokulandela oko ndibiza ngokuba ngumzekelo weBerkshire Hathaway . Kwixesha leminyaka emininzi, unokunciphisa kakhulu umngcipheko wakho ngokungeza rhoqo imijelo emisha yengeniso. Ingaba ungummeli ophethe i-chain cream yezitolo ze-ayisikrimu, okanye uprofesa we-geology oye wakha iphothifoliyo yamanqabane ayingqinileyo ekufakeni ioli, i-gesi yendalo, kunye neenzuzo zepayipi kwi-akhawunti yakho yokukhangela, ukuhamba kweemali ezahlukeneyo, kuncinci kufuneka uthembele kumsebenzi omnye okanye usebenze ukuze ugcine izibane kunye nokutya kwi-pantry.
Bala iNqanaba Lakho leMali eHlomelo
Isinyathelo esilandelayo xa uzama ukucacisa ukuba imali engayifanele ukuyigcina kwi-akhawunti yokulondoloza kukujonga iindleko zakho. Ukuba ulahlekelwe yonke yakho ingeniso ngobusuku obubodwa, zingaphi iinyanga ongayigcina umgangatho wakho wokuphila? Uninzi lweengcali zincoma iinyanga ezinyangeni ezintandathu.
Ngokomntu, ndicinga ukuba abaninzi abantu kufuneka baqwalasele ubuncinane kwiminyaka emibini ukuya kwimibini. Unxaneleke ngakumbi, kodwa uqaphele ukuba akudingeki ukwakhiwe loo ndawo yokugcina ubusuku bonke. Unokusebenza iminyaka, uqokelela ngokukhawuleza intsalela yakho. Enye indlela onokuyifeza ngayo ngokunciphisa iimfuno zemali kwimali yeentsapho zakho. Ngokomzekelo, unokuhlawula imali yakho yangaphambili ngaphambi kokukhula kwayo. Ngaphandle kwentlawulo yomboleko, i-fund yakho yengoxakeka ehleli kwi-akhawunti yokulondoloza ayifuni ukuba inkulu, ikunike imali ethe xaxa yokutyalomali okanye yokuchitha.
Umzobo ophumayo Ukuba Uyakuboniswa Kuzo naziphi na iimfuno ezinkulu kwi-Cash Reserves yakho
Ngaba ujongene nesongelo senkundla enkulu? Ngaba kukho iindleko zonyango ezibalulekileyo? Ingaba ubume bentsapho yakho ibandezeleke ekunciphiseni kwemali? Ukuba kunjalo, cinga ukubeka imali kwi-akhawunti yokulondoloza. Enye yeemeko ezimbi kakhulu kukuba uphelisa imali eninzi. Le ngxaki ephezulu yokuba nayo. Ukuba akukho nto ivela kuyo, unokuhlala uthenga i-asethi ukuze uvelise ngeniso engenayo ngenyanga ezayo okanye kunyaka ozayo.
Khangela ngaphakathi kwaye Uvavanye ngokunyaniseka indlela ovakalelwa ngayo ngeemvakalelo
Oku kwahluka kumntu wonke, kwaye, kwakhona, kunokutshintsha kusekelwe kwisigaba sobomi bakho. Ingakanani imali eya kuthatha, ehleli ekhuselekileyo nekhuselekile kwi-akhawunti yokulondoloza, ukuba ulale kakuhle ebusuku kwaye ungakhathazeki? Mhlawumbi unomfanekiso, nangona kungenangqiqo, efika engqondweni ngokukhawuleza.
Kwabanye abantu, i $ 10,000. Kwabanye, i $ 100,000. UBillionaire uWarren Buffett uthanda ukugcina ubuncinane beedola ezili-20 zeebhiliyoni, nakuba ebeka kwiibhidi zeeNondyebo, amabhondi, kunye neenkcukacha, kungekhona i-akhawunti yokulondoloza. Sonke sinayo "inombolo". Umzobo wakho ngokwakho ngokunyaniseka nawe uze ufumane indlela yokwenza ukuba kwenzeke.
Nceda uqaphele ukuba i-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.