Yonke into oyenzayo ine-Off-Off-Qinisekisa ukuba yiyo efanelekileyo
Olu lwalamano phakathi kokubuya kunye neendleko zengqesho yinto yesibini kumnini wezoshishino ophumeleleyo. Xa uRay Kroc eguqula umgca we-hamburger weMcdonald kwi-hemoth namhlanje, wayeqonda ukuba i- trade-offs kwakufuneka yenziwe xa kufike kwimenyu yeempahla, umgangatho wezinto eziphathekayo ekhishini, amalungiselelo e-franchise, ukukhupha i-stock to the public, nokunye okuningi . Njengomtyalo-mali omtsha, ukuqeqesha ukujonga ihlabathi ngelo lense yeendleko zenye yezinto ezibaluleke kakhulu ongayenza ukukunceda ukukhulisa umthamo wakho, ube ngumntu ozimele ngokwezimali , kwaye uqale ukuvelisa imali engenayo . Kodwa njani, uyayisebenzisa njani ukutshala imali yakho? Nazi iindlela ezimbalwa.
1. Hlola iNkcitho yeThuba lokuTywala
Ukuba iimali ezimbini zivelisa ukubuyela okufanayo, kodwa enye idinga ukuba ubophe imali yakho iminyaka emithathu kwaye enye idinga ukuba ubophe imali yakho iminyaka eyi-10, enye inokuba yinto ekhangayo kunomnye kuxhomekeke kwindlela ojonga ngayo uqoqosho kunye yakho zemali.
Ukuba ucinga ukuba inzala iya kuwela, utyalo-mali oluyiminyaka eyi-10 lukhethwa bhetele kuba unokufumana ibuyiselo ezingenakufumaneka kwixesha elizayo. Ukuba ucinga ukuba inzala iya kuphakama, unokufuna ukukhetha utyalo-mali-iminyaka engama-3 kuba iya kukhulula umthamo wakho ngokukhawuleza ukubuyisela kwenye into.
Ixabiso elikhulu lamathuba xa kufikelele ekuhlaselweni kwezimali kubandakanya ithuba lokuba ungaphuthelwa utsalo-mali oluhle kakhulu ngenxa yokuba awukwazi ukufumana izandla zakho kwimali yakho. Abanye abatyali-mali kunye neenkampani, ezifana noWarren Buffett kunye nenkampani yakhe yokubambisa iBerkshire Hathaway, badumiwe ngokubeka imali enkulu yemali engaphezu kwemali ukuze bafumane amathuba ngokukhawuleza. Ukususela ngo-Agasti 2016, i-Berkshire Hathaway yayingaphezulu kwama-72 eebhiliyoni kwiimali ezikhoyo kwi-balance sheet! Ukuba ihlabathi liyahlukana, liyakwazi ukubhala iirekhi ngokukhawuleza ukuthenga izinto eziphazamisayo. Esi siqhinga osibona rhoqo phakathi kwexabiso labatyalomali .
2. Thelekisa iNdleko yeNtlawulo yokuTyala imali yakho kunye nokuTyala
Ekugqibeleni, imali ibalulekile kuphela into enokuyenza. Ukuba awukhethi imali kwiimpahla okanye kwiinkonzo, okanye ukunikela ekuthandweni okunokwenza oko, akunakulungelekanga. Okushiya umbuzo onomdla othi: Ingakanani ixesha lokuchitha imali, kunokuyibeka ekusebenzeni kwizinto ezivelisa igalelo, inzala okanye iindleko ?
Lo ngumbuzo obalulekileyo ongeke uphendulwe ngumthengisi wakho we- stock , i-accountant, abazali, abahlobo, abantwana okanye osebenza nabo. Ihla kwizinto ozixabisayo. Ngaba unokuba nenqwelo entsha okanye inkululeko yemali?
Ngaba unokukhetha ukuba nemithwalo yemali okanye i-diamond watch? Ngaba unokuba uzinike imali engakumbi kuncedo okanye usize abazukulu bakho kwiikholeji? Ingumbuzo wexabiso, kwaye akukho mntu unokukwazi ukuchaza ixabiso lakho.
Le yinyani inkqubo yokwazi izigqibo zakho; lokuqinisekisa ukuba awunamkeli into oyifunayo ngokwenene into oyifunayo kwangoku . Akukhawulelwanga kutyalo-mali okanye kwi-pocketbook-umfundi wezobugqirha kufuneka anqume ukuba ufuna ukwenza iphathi okanye ukufundisisa, ukukhupha inzuzo yoluvuyo namhlanje elizayo.
3. Khangela iNdlu yeThuba lokuLawulwa kweeMpahla
Iklasi nganye ye-asethi kwi-asethi yakho yabelwe ixabiso layo. Ngokomlando, ukutshala imali kwiimpahla zenze ibuyiselo ephakamileyo kunokutyalomali kwiimbopheleleko kodwa indleko yithuba yintengo enobudlova.
Ngakolunye uhlangothi, ityala lihlala lizinzile kwiimarike zemihla ngemihla kodwa indleko yithuba libeka umngcipheko wokuba izinga lokunyuka kwamaxabiso likhuphuke, kubangele ukuba amabhondi akho aphelelwe amandla okuthenga. Kungakhathaliseki ukuba wenza ntoni, akukho "utshatyalali" olupheleleyo; yonke into ine-trade-off, kude kube phantsi kootyalo-mali ozikhethayo; Apple vs Microsoft, Google vs Yahoo, McDonald's vs. Wendy's, Johnson & Johnson vs. Pfizer, ihotele yendawo ngokumelene nesakhiwo sezindlu, izibophezelo zikamasipala kunye nezibophelelo zenkampani.