Ukuhlaziywa kuchazwa njengokuba nakho ukujongana neziganeko zobomi kwaye "ngokugqithisa ngeempompo". Xa uthatha amaxesha ambalwa ukucinga ngazo zonke iziganeko ezinzima umngeni wethu olo luhlu lwawo mava obomi kunokubonakala lukhulu. Ezi ziganeko ezibalulekileyo zobomi zingaba neempembelelo (umz., Ukuzalwa komntwana, ukuqala umsebenzi omtsha) okanye zizakuphela ukuba zibi (umzekelo, iingxaki zonyango, ukulahleka kwemisebenzi).
Indlela okhetha ukuyiphendula ngayo loo miqobo enokuthi umhlalaphantsi unempembelelo enkulu kwintlalo-mali yakho yonke. Ngaloo ndlela, ukuqinisekiswa kwezemali kunokuphelisa ukuba kube yimpumelelo phakathi kwexesha lokuhlala umhlalaphantsi kwaye uzama ukusinda.
Oko Kuthetha Ukufumana Isicwangciso Sokuhlala Umhlalaphansi
Ukuzimelela kungabonwa njengomntu, kodwa kubonisa inkqubo yokufunda enamandla. Abantu abancedayo abajonga izinto ezinokubangela uxinzelelo njengokuba zingenakuxhaswa. Kodwa kunoko, bawabona njengamava okufunda kunye nethuba lokukhula kunye nophuhliso lwabantu.
Ingqiqo yokuqinisekiswa kwezemali ibhekisela kumandla okubuyisela emuva kwaye imelane neziganeko zobomi ezinempembelelo enkulu kwingeniso yakho kunye / okanye ipahla. Ukukwazi ukubuyiswa kwimimiselo yokunciphisa imali kuphuculwe kunye nezibonelelo zemali ezifana nokugcinwa okwaneleyo, umshuwalense wezempilo kunye neengeniso ezinokuthenjwa.
Eminye imimiselo yamanyathelo omanyathelo ezemali kunye nezinye iimpawu ongayithatha ukukunceda ukuphucula umgangatho wakho wokuqina kwezemali kubandakanya:
- Gcina umlinganiselo ophantsi wetyala-kuya-ngeniso.
- Gcina i-fund yangxamisekileyo yeendleko zenyanga ezintathu.
- Cinga ngemfundo yakho okanye uqeqesho lomsebenzi inkqubo eqhubekayo.
- Unakekele impilo yakho yempilo kunye nentlalo-ntle.
- Ukuthenga ubunjineli obaneleyo bokuphila kunye nokukhubazeka ukukhusela abathandekayo malunga nokulahleka okanye ukunciphisa inzuzo.
Ukuba unesiqinisekiso sokuthi uphumelele ukufikelela kwiinjongo zakho zomhlalaphantsi, ungumncinci. Iziphumo ezivela kwiNkcazo yeNgcipheko yomhlala-phantsi kazwelonke (NRRI) ibonise ukuba ama-52 ekhulwini emakhaya asele mngciphekweni wokungakwazi ukugcina imilinganiselo yokuphila efanayo ngexesha lomhlalaphantsi. Ngamazinga okuzithemba ngomhlala phantsi kakhulu kubalulekile ukuphepha ukuvumela ukwesaba nokuxhalaba kuthathe ulawulo. Isicwangciso sokuthatha umhlala-phantsi esixhasayo sigxininisa kwizinto onokuzenza kwaye unika amandla okwenza namhlanje ukuphucula amathuba akho okuphumelela. Isinyathelo esinye esisisiseko kukuba usebenze ukubalwa komhlalaphantsi wokubheka umhlalaphantsi ukuze ubone ukuba kufuneka ugcine kangakanani ukufikelela kwiinjongo zakho.
Kukulindeleke ukuba uya kuba nemingcipheko enokubakho endleleni yokuthatha umhlalaphantsi. Ezinye zezona zithintelo zemali eziqhelekileyo ezibuhlungu izicwangciso zomhlalaphantsi ziquka ezi zilandelayo:
- Iindleko ezongezelelweyo zokuphila
- Iimithombo ezincinci ezishiywe ukugcina umhlalaphantsi
- Akukho ukufikelela kwisicwangciso somhlalaphantsi emsebenzini
- Iziganeko zobomi eziphazamisayo (ukugula, ukukhubazeka, umtshato, njl.
- Ukuqokelela amatyala
- Iindleko zemfundo
- Ukuhlawula iindleko zempilo zangoku kunye / okanye kwixesha elizayo
- Ukunyamekela umzali osekhulile okanye omnye umthandayo
Ukususela kumbono wokucima umhlala-phantsi, apha ziimpawu ezi-5 ezibalulekileyo ukuba isicwangciso sakho somhlala-phantsi sinokumelana nokujongana nemozulu nemingeni enokuthi ingaphazamise izicwangciso zakho zokufumana ukuzimela kwemali.
ISicwangciso sakho soBomi seMali siquka izicwangciso zexesha elide lokuhlala phantsi
Ukubeka iinjongo zemali kunye nezinye iinjongo zobomi ngokuthe rhoqo kunokuchaphazela ngokuqinisekileyo ukukwazi kwakho ukwenza izigqibo zemali ezihlakaniphile. Abantu abanokuxhaswa ngemali basebenzisa iinjongo zokubeka phambili izigqibo zabo kwaye bahlale bejolise kwizinto ezibalulekileyo. Ukumisela iinjongo kukunceda ukulungiselela izinto ezinokuthi zibeke iiplani ezibalulekileyo ekucaleni. Kodwa ukudala kuphela isicwangciso semali esibhaliweyo kuphela isinyathelo sokuqala ukuthatha. Kumele ube nokunyamekela ukulandela kwisicwangciso kwaye uhlale ugxile kwimimiselo yezemali eyenza umehluko.
Unokudala isicwangciso sakho somhlala-phantsi esibhaliweyo ngokubeka uluhlu lwemali emfutshane kunye nexesha elide kwaye uzibuze le mibuzo ebalulekileyo malunga nomhlalaphantsi wakho .
- Kutheni kuba nesicwangciso sobomi bebaluleke kangaka kum?
- Yintoni endiyilindele ukuba ndiyenze kakhulu kumhlalaphantsi?
- Kutheni kubalulekile ukufeza ezi njongo zomhlalaphantsi?
- Ingeniso engakanani efunekayo ukuze uphile ubomi obukhululekile ngexesha lomhlalaphantsi?
Emva kokuba unempendulo zale mibuzo yokucwangcisa umhlala-phantsi unokuqala ukubeka isicwangciso sakho ngokubhala. Ukufumana ulwazi oluthe xaxa malunga nokwenza le nkqubo ibonakale ingakhathazeki kangako ukucinga ukudala isicwangciso sezimali esisodwa sephepha elilodwa.
2. Uthathe amanyathelo okukhusela intsapho yakho kunye nempahla yakho
Ukuzinza kwemali kudinga okungaphezu kokuthanda ngamandla nokuzimisela ukufikelela kwiziganeko zobomi ezinzima. Kufuneka ube necebo lokukhusela ubutyebi kunye nendawo yokuqala yokuqala ukulungiselela i-akhawunti yokulondoloza ngongxamiseko. Emva koko, ungatshintsha ugxininiso ekukhuseleni iziganeko ezinxulumene nempilo kunye ne-inshurensi yempilo eyaneleyo. Ukucwangciswa kwe-inshorensi yokukhubazeka yindlela enye yokukhusela engozini inxulumene nokulahlekelwa kwengeniso. Hlola nomqeshi wakho ukuba ubone ukuba unako ukukhubazeka kwexesha elide. Ukuba uneminyaka engama-50 okanye ngaphezulu, inshorensi yonyango yangexesha elide iba yindawo enye yokukhathalela ukukhuselwa kobutyebi. Umgca wenyani ukuzilungiselela wena kunye nosapho lwakho kulezi ziganeko eziphambili zobomi ezingonakalise kakhulu amathuba akho okuthatha umhlala phantsi.
3. UCwangciso loLondolozo lweMhlala-phantsi luya kwiNdlela yokujongana neenjongo zakho zeNgeniso
Ukusetyenziswa kwemali kukusetyenziswa kwexesha ukuhlola impilo yakho yonke yemali. Ubutyebi bemali buqulethe ngaphezu kwemibono nemvakalelo yethu ngempilo yethu yemali. Ingqiqo yokunyaniseka kwemali iboniswe ngumbutho wezinto ezibandakanya ukwaneliseka ngokupheleleyo kwimeko yethu yangoku yemali, ukuziphatha kwangempela kwezemali (okt, ukuhlawula imali, ukugcina, ukuhlawula ngokulinganisela kwekhadi lesikredithi ngokugcwele), isimo sengqondo semali, ulwazi lwezezimali kunye nenjongo isimo semali. I-Finesse yezeMali ichaza ubuchule bezezimali njengombuso wenhlalakahle apho umntu uphumelele uxinzelelo lwezemali oluncinci, wasungula isiseko semali esinamandla, kwaye wenza isicwangciso esiqhubekayo sokunceda ukufikelela kwiinjongo zemali ezizayo.
Ukunyanga kwemali akuqinisekisi ukuzinza xa iziganeko zenzekile okanye izithintelo zimi endleleni. Ukugxininisa kwimpilo yakho yonke yemali kunokuhamba ixesha elide ekuncediseni ukulungiselela umhlalaphantsi ngelixa ujongene nemingeni. Unokulandelela inkqubela yakho yezemali ngokuvavanya rhoqo imilinganiselo yezemali ebalulekileyo njengexabiso lakho lonke, isilinganiso semali-kuya-ngeniso, kunye nokulinganiswa kokonga. Jonga " iindlela zokulandelela impilo yakho yezemali " ukuze ubone ukuba unamandla kangakanani. Ukuhlolisisa impilo yakho yezemali ubuncinane amaxesha ambalwa ngonyaka kufuneka kubaluleke ngokubaluleka kwezempilo kunye nokuhlolwa kakuhle kwezempilo.
Emva kokuba uhlolisise isiseko sakho semali ungaqhubeka nokulandelela impilo yakho yezezimali njengoko isebenza ngqo kwiinjongo zomhlalaphantsi. Ngokuqhelekileyo kucetyiswa ukuba ukubala ukubhaliswa komhlalaphantsi okungenani kanye kanye ngonyaka kufuneka kube yinxalenye yesicwangciso sezimali esiqhubekayo. Abaninzi abacwangcisi bemali batusa ukubeka iinjongo ze-ballpark ukufaka endaweni engama-70 ukuya kwe-90 ekhulwini lakho lemali engenayo ngaphambi kokuthatha umhlalaphantsi. Le njongo ingatshintshwa kwi-akhawunti yakho yokuphila komhlalaphantsi. Emva kokuba umhla wakho wokuhlala umhlalaphantsi uneminyaka engama-10 okanye ngaphantsi kunokuba kunengqiqo ukuya ngaphaya kweendlela zokutshintshwa kwengeniso kwaye usebenzise isicwangciso- mali sokuthatha umhlalaphantsi .
4. Udale iSiseko soLwazi lwezeMali
Ukuzinza kwemali kudinga isiseko solwazi lwezezimali ukukunceda ukwenza izigqibo ezibalulekileyo. Akumangalisi ukuba ulwazi jikelele lwezemali luyinto ebalulekileyo yokuphucula imali. Xa kuziwa kwisinqumo sezenzo zezimali kukho ukucinywa phakathi kolwazi kunye nesenzo. I-gap-know-doing idla ngokuxhomekeka ngokuzithemba. Abaphandi baye bafumanisa ukuba iimbono zethu malunga nokuba siyazi kangakanani malunga nezihloko zezemali zilungelelanisa kakuhle iimpawu zokuziphatha esiza kuzibonisa.
Nazi ezinye iindlela zokucwangcisa umhlala phantsi ukuze uzifundise kwiindlela ezizayo:
- Fumana uqikelelo lwenzuzo yakho yeNtlalo
- Ukuqonda iindlela ezahlukeneyo zokufumana umhlalaphantsi
- Ukuphonononga ukufaneleka kwamagciwane kunye nezinye iindlela zokunakekelwa kwempilo
- Funda ngeendlela zokunciphisa ityala lakho ngaphambi komhlalaphantsi
5. Unamathuba angaphezu kweNkunzi yezeMali eyakhelwe ukuKhathalela umhlalaphantsi
Ukwakhiwa okwaneleyo kokuthatha umhlala-phantsi kubalulekile kubalulekile. Kodwa into ebizwa ngokuthi "ingxowankulu yengqondo" yenye inxalenye ebalulekileyo yokulungiswa komhlala-phantsi ongayenza umenzi ohlukileyo.
Awukwazi ukucinga nje indlela yakho yokuphumelela umhlalaphantsi. Kodwa ukuba neengqondo ezithembekileyo kunokukunceda ukuba uphumelele kwiinguqu ezibalulekileyo zokuphila. Ukongeza kwimiba ebalulekileyo yokuqina, kubalulekile nokuba nethemba, ithemba, kunye nokuzimelela (okanye ukholelwa kuwe). Ezi ziyinxalenye ebalulekileyo yengxowa-mali yengqondo engaba luncedo ekuncedeni ukuba uphumelele ngexesha lomhlalaphantsi.
Inkalo eyongezelelekileyo yokuzinzileyo ngumntu oyintloko. Ukuqhubeka uthabatha amanyathelo okufunda nokuqhubela phambili izakhono zakho zomsebenzi nezakhono zakho kunokudala amathuba emisebenzi kwaye unciphise umngcipheko we-backback yemali onokuchaphazela ukukwazi kwakho ukwandisa imali oyifumanayo kwaye ukhulise ukugcinwa kwakho komhlalaphantsi.
Ngexesha lokuguqula ubomi obuninzi, unokubuyela kubahlobo, abasebenzisana nabo kunye nabanxibelelwano benxibelelwano loluntu (kubandakanywa nezithuba zentengiso yoluntu) ukubonelela ngenkxaso. Oku kuthiwa "intlalo yoluntu" kuyithuluzi eluncedo lokuphila ubomi obunzima kwaye kukunceda ubone ukuzinza.
Indlela Yokwenza Isicwangciso Esixhasayo
Ukuba unemithintelo emile endleleni yokufikelela kwimpembelelo yakho yemali ukuqonda kwezi ndlela zendlela ezinokuthi zinokukunceda ukuchonga imfuneko yokutshintsha. Ukuvavanya ubunqongophala obunokwenzeka kwisicwangciso sakho sezemali kuza kukunceda ukuba usebenzise ulwazi olunjalo ukuba uthathe amanyathelo kwaye udale isicwangciso somhlala-phantsi kwanamhlanje esilinganisa izinto eziphambili. Ngenxa yoko, ukuphuculwa kwesebe lokuqina kwezemali kuya kukulungisela kangcono ukuguquka kokuphila okulandelayo kwaye ekugqibeleni uya kulungelelanisa impumelelo yomhlalaphantsi .
Ukufingqa, cinga ukubeka eceleni ixesha elincinci lokucinga malunga nento emi phakathi kwakho kunye nokuphila ubomi bakho obukhoyo njengoko ufuna. Ngoku ujonge phambili kwiminyaka yakho yomhlalaphantsi. Ziziphi ezinye izithintelo ezimi endleleni yokufikelela kwiinjongo zakho zobomi ezibalulekileyo zomhlalaphantsi? Xa unokuphelela ngakumbi, unganamathuba okuba izithintelo eziza kuhlala zisigxina.