Ngomnyaka omtsha, kwaye ixesha elide lokubeka iinjongo zemali ezilungileyo. Kufuneka ubeke iinjongo ezincinci zokunceda ufezekise iinjongo zakho ezinkulu . Unokufuna ukuqala ngeenjongo ezinkulu ezifana nokuthenga indlu okanye ukuhlala phantsi kwaye ukhangele izinto oza kufuneka uzenze ukuze ufikelele kule njongo enkulu . Kufuneka ubeke iinjongo zakho ezincinci kulezo zinto kunokuba uphumelele injongo. Yenza inkqubo yokuxhasa ukwenza kube lula ukufikelela kwiinjongo zakho zemali . Kubalulekile ukulinganisa inkqubela yakho ngokukhawuleza kulo nyaka. Njengoko uceba umnyaka omtsha, nolu uluhlu lweenjongo zemali ezintlanu omele uziqwalasele ukwenza kulo nyaka.
01 Qala kwiBhajethi
Iinjongo zeBhajethi yakho:
- Misela isabelomali yenyanga kwaye unamathele kuwo wonke unyaka
- Ukunciphisa imali yakho kwiinkalo ezithile ngenyanga
- Ibhajethi kunye neqabane lakho inyanga nganye
02 Phuma kwiMatyala
Ukuphuma kwetyala lelinye inyathelo ebalulekileyo ekulawuleni iimali zakho. Ngokugxininisa ekuphumeni kwetyala unganciphisa inani olihlawulayo ngenzala. Kwakhona sinomvakalelo ongenakwenzeka ukuba unetyala elingenanto. Unenkululeko enkulu yokwenza izinto ofuna ukuzenza. Unomsebenzi omkhulu wokuguquguquka kwaye unokuyeka ukuhlawula umdla kwaye uqale ukufumana umdla xa unetyala. Kungathatha umnikelo ukuze kwenzeke ukuba kwenzeke, kodwa kuyafaneleka umzamo. Kufuneka uqale ngokuseka isicwangciso sokuhlawula ityala .
Iinjongo zokuPhuma kweMatyala:
- Ukuseka isicwangciso sokuhlawula ityala
- Thengisa izinto ukuhlawula ityala
- Ukunciphisa iindleko ukuhlawula ityala
- Yenza umsebenzi wesibini wesikhashana ukuhlawula ityala
03 Qala Ukugcina Imali
Ukulondoloza enye ebalulekileyo ebalulekileyo kwimpumelelo yemali. Kufuneka usindise ubuncinane iipesenti ezilishumi zengeniso yakho ngenyanga. Le mali iya kwandisa ngokukhawuleza. Kufuneka uqikelele ukulondoloza le mali ngaphezu kwenkxaso yakho yomhlala-phantsi ukuba unako ukuyifumana. Ukutya amadlozi ambalwa kwinyanga nganye kunokuhlawula ixesha elide. Ngokuseka umkhuba wokulondoloza ngoku, uvula iingcango malunga nento ongayenza ngexesha lokuhlala umhlalaphantsi. Ukuba unzima ukufumana iindlela zokukusindisa ungaqala ngokunciphisa ezinye iindleko zakho. Ukulondoloza kunokusebenza ngakumbi xa unento oyilondolozayo, ngokunjalo.
Iinjongo zokukunceda ugcine :
- Yeka ukutya ngaphandle
- Nciphise i-bill yakho yokuthenga ukutya kwinyanga nganye
- Fumana iindlela zokugcina kwiiNkonzo
- Beka injongo yokulondoloza ngenyanga
- Qala ngeenjongo ezincinane zexesha elifutshane zezezimali kwaye usebenze kwiindawo ezinkulu.
04 Funda ngemali kunye nemali
Kufuneka ufunde kabanzi malunga nokulawula imali yakho. Unokwenza oku ku-intanethi, okanye ngokufunda iincwadi kunye namaphephancwadi. Unokwenza umgomo wokufunda ubuncinane omnye umthombo onzulu ngenyanga; incwadi okanye iphephancwadi iya kunika ingqiqo enkulu kwiindawo ezithile zemicimbi yezemali. Unokuqwalasela ukuqala nge- "Total Total Makeover" ukuba unetyala elikhulu.
Iinjongo Zokukunceda Ufunde NgeziMali:
- Bhalisa kwiklasi yezemali
- Funda incwadi malunga nemali yomntu
- Bhalisa kwiimali zamaphepha encwadi
05 Qalisa utyalo-mali
Unokufuna ukuqala ukutshala imali oyigcinayo. Ukutshala imali kukuvumela ukuba ukhulise imali yakho ngokukhawuleza. Nangona kunjalo kukho ingozi echaphazelekayo ekutyala imali yakho. Kufuneka uqiniseke ukuba ulungele ukutyalomali . Abantu abaninzi batyala imali ngokuyimpumelelo ngokwabo, kodwa ukuba uqala nje, unokucinga ngokufumana umcwangcisi wezemali ukukunceda ufezekise iinjongo zakho. Umcebisi-mali omhle uza kukubuza imibuzo malunga neenjongo zakho zemali kunye nobomi, uze unike iingcebiso malunga nendlela yokuzifezekisa ngayo. Ukuba unengxaki yokutyalo-mali ngenxa yeemeko zemarike yangoku okanye ngenxa yokuba awuqondi indlela iimarike zisebenza ngayo, thatha ixesha lokuthetha nomcwangcisi wezemali. Uya kukunceda uqonde ingozi kunye neenzuzo zokutshala imali, kwaye kufuneka ube nako ukukunceda ufumane utyalo-mali olufana nomgangatho wakho wokhuthuzo olukhoyo xa lufika kwimingcipheko.
Iinjongo Zokukunceda Uqalise Utyalo-mali:
- Fumana umcwangcisi wezemali
- Funda ngeemarike zamasheya
- Yenza iinjongo zokutshala imali ethile ngenyanga
- Vula i-IRA