Into enye ibonakala njengento ebaluleke kakhulu ongayenza ngemali ngonyaka.
Akunandaba nokuba wenza i-$ 35,000 ngonyaka okanye i-$ 350,000 ngonyaka. Ukuba unokufezekisa le njongo, unokutshintsha umfanekiso wakho wezezimali. Unokuqhekeka kwaye uchithe ngaphezu kokufumanayo kungakhathaliseki ukuba wenza ntoni.
Uhlahlo lwabiwo-mali luya kwenza njani uhluko?
Kulo nyaka kufuneka uhlele uhlahlo lwabiwo-mali kwaye unamathele kuyo inyanga nganye. Ukuba unokwenza oku, unokulawula ulawulo lwemali yakho. Unokufikelela kwezinye iinjongo kwaye unokubona apho ufuna ukubeka ezinye iinjongo (njengeenjongo zomsebenzi). Uhlahlo lwabiwo-mali lube lunye lwezixhobo eziphambili zezimali, kodwa yinto enye umcebisi wezezimali othethayo. Kukho isizathu. Isixhobo esikunika ukulawula ngokupheleleyo kwimali yakho.
Unokwenza isigqibo sokuba uza kuchitha kwaye nini. Unquma ukuba ungagcina nini kwaye nini. Ungasebenzisa uhlahlo lwabiwo-mali ukuyeka ukuya ematyaleni kwaye ufumane imali yokukunceda ukuba uphume kwetyala. Ukukwazi kwakho ukulawula uhlahlo lwabiwo-mali ukulawula kakuhle indlela olawula ngayo imali yakho kwaye unquma ukuba ngaba unako ukwenza utshintsho oluhlala njalo.
Ukongezelela, uhlahlo lwabiwo-mali luyakunceda ukuba unqume ukuba zeziphi iingxaki zemali zakho. Awukwazi ukwenza imali eyaneleyo, kwaye uya kufuna ukufumana indlela yokwenza imali engakumbi ngokufumana umsebenzi ohlawule ngakumbi okanye usebenze ixesha elide uze uhlawule ityala lakho. Unokuqonda ukuba wenza imali eyaneleyo, kodwa uchitha imali kakhulu.
Unokuqonda ukuba unokuthanda ukunikela ngemibingelelo kwezinye iindawo ukuze ube nemali eninzi yokubeka kwizinto othanda ukuzenza. Uhlahlo lwabiwo-mali lukuvumela ukuba ubone nini kwaye kuphi na ukuyisebenzisa imali yakho, ngoko unokugqiba ukuba ufuna ukukwenza njani.
Ndenza Njani IBhajethi Yam?
Uninzi lwabantu luyazi iinqununu zendlela yokuseka uhlahlo lwabiwo-mali. Ngokufanelekileyo, kufuneka ube nebhajethi ye- zero eyabanika yonke idola ozayo ngenjongo, ingaba ezinye zezi zinto zigcinwa okanye ziza kuhlawula ityala. Esi si cwangciso omele uzinamathele ngenyanga nganye. Unokulungelelanisa ngokudluliselwa phakathi kweentlobo, kwaye unokufumana ukuba kufuneka wenze utshintsho njengoko uzama ukunamathela kwimida yakho inyanga nganye kwiindidi.
Xa usenaso isicwangciso, kufuneka ufumane izixhobo ezifanelekileyo ukwenza ulandela uhlahlo lwabiwo-mali lula. Inkqubo yohlahlo lwabiwo-mali ingakunceda ukuba wenze okokuba unqume ukusebenzisa isofthiwe yohlahlo lwabiwo-mali njengeYNAB okanye imvulophu , kufuneka ulandele iindleko zakho ngalunye suku ukuze ukwazi ukuyeka ukuchitha. Le ngxenye enzima kakhulu, kodwa iya kuba lula njengoko uqhubeka usebenza kuyo.
Ndiyazi konke oku, kodwa andisakwazi ukulandela uhlahlo lwabiwo lwam
Unokwazi izibonelelo zohlahlo lwabiwo-mali, kodwa uhlahlo lwabiwo-mali luyinto enzima ukuyenza.
Kungaba nzima ngakumbi xa utshatile kwaye umlingane wakho akafuni ukuhlawula imali. Oku kungathi kunzima, kodwa inyaniso mhlawumbi ufuna ukutshintsha umfanekiso wakho wezezimali okanye awuyi. Ukuba ufuna ukutshintsha kakubi ngokwaneleyo, ngoko uya kufumana amandla okulandela uhlahlo lwabiwo-mali. Uza kuseka ingxowa-mali yokukhawuleza ukuba ihlawule iindleko ezingalindelekanga eza kuza kunyaka kwaye uza kuqala ukwenza utshintsho kwiimali zakho eziza kukunceda esikhathini esizayo.