Vula Uonxibelelwano Udlala Umsebenzi Obalulekileyo Ekukhuseleni Imali Yakho
Sifuna ukungena kwixesha lobutyebi bezinto eziphathekayo kangangokuthi luza kuba lukhulu lokutshintshwa kwengcebo kwimbali. Kwiminyaka engama-50 ezayo, ngaphezulu kweedola ezi-1 trillion kwiimpahla ziza kudluliselwa ngamnye nyaka zizonke i-$ 59 triliyoni ezilindeleke!
Nangona singafuni ukucinga ngamalungu entsapho kunye nabathandekayo abadlulayo, kubalulekile ukuthetha ngokudluliselwa kwengcebo ngoku. Kwi $ 59 trillion eziza kutshintshwa, i-$ 36 trillion kulindeleke ukuba iya kwiindlalifa.
Kodwa ngelishwa, i-70% yobutyebi bwedluliselo ayiphumelelanga kwaye i-culprit yimiba yentsapho. Ngokutsho kweQela likaWilliams, iintshukumo zentsapho kunye neengxaki ezingaphendulwanga phakathi kwamalungu entsapho zidlala indima enkulu ekungabhalweni kobutyebi bezoqoqosho. Nangona abaxhamli bafumana i-asethi ngempumelelo, emva kokutshintshwa kweengxabano, imbambano kunye nokuhluleka banethuba elihle lokungena kulo.
Ukuze ukwandise amathuba okutshintshwa kobutyebi obuyimpumelelo, sincoma iindlela ezininzi zokuvula umnyango ekunxibelelaneni okunempilo kunye neendlalifa zakho:
Tshela izindlalifa zakho malunga neenkcukacha zakho zemali. Ngokuqhelekileyo sithintela ukuthetha ngemali yethu siqu kunye nabathandekayo, kodwa kufuneka uqiniseke ukuba izindlalifa zakho ziyazi kakuhle kunye neenkcukacha zefa lakho ukuze bakwazi ukuthatha ulawulo okanye baphathe i-asethi xa usuhambe.
Ukubandakanya izindlalifa zakho kwinkqubo yokuceba indawo. Oku kuya kunceda ukuvelisa ingxoxo malunga nendlela ifa lakho eliza kudluliselwa ngayo.
Eli lixesha elifanelekileyo lokusebenza kwisitatimende seentsapho yakho.
Ukuba uyadlula kwi-shishini okanye utyalo-mali omkhulu, kufuneka uxoxe kunye neendlalifa zakho malunga neempawu zakho kunye nethemba lale asethi. Cacisa ngoku ukuze bangavumeli ukuqwalasela kamva.
Hlela amaxwebhu akho emali uze uwagcine kwindawo enye. Awufuni ukuba izindlalifa zakho zihlambele ukufumana iindawo ezahlukeneyo zefa lakho.
Gcina yonke le ngcaciso kwindawo ekhuselekileyo, kwaye vumela izindlalifa zakho zikwazi ukuba ziphi.
Thetha kumcebisi wentsapho ethembekileyo. Oku kungadlala indima ebalulekileyo ekuqinisekiseni ukugqithiswa kobutyebi obuyimpumelelo. Ngokubandakanya intsapho yonke, umcebisi weentsapho unokunceda ukucwangcisa isicwangciso kunye nenjongo yexesha elide lokunceda isizukulwana esilandelayo siphumelele. Uninzi lwabacebisi bentsapho baya kuqhuba intetho yesithethi malunga nokukhulisa abantwana abaneemali. Bangakwazi ukubonelela ngeengcebiso malunga nokuphandana ukuzisa iindlela zokunika isipho okanye ukudala isiseko seentsapho.
Ncedisa ukwakha ubudlelwane phakathi kweendlalifa zakho kunye neqela lakho lezemali (umcebisi wezemali, igqwetha lezocwangciso zezindlu kunye neCPA). Ngokuncedisa ulwalamano lokuqala, iindlalifa zakho ziya kuba nezixhobo zokuphendulela ukuba ukutshintshwa kobutyebi kuba nzima. Kuya kubanceda ukuba bawalungiselele iindima zabo zekamva kunye nazo zonke ifa elizisa.
Ukuba ungummkeli welifa, kubalulekile ukusebenzisa imali yakho "entsha" ngokuhlakanipha. Eli akusiyo ixesha lokungena kwindlu yendlu ye-mega, uthenge i-yacht, okanye uye kwiindawo ezithengisayo zokuthenga. Enyanisweni, indlela yakho yokuphila ayifanele ingatshintshi kakhulu. Imali oyifumanayo ingasetyenziswa ngokuhlakanipha ngale ndlela ilandelayo:
- Ukuphelisa ityala kuyindlela enhle yokusebenzisa ubutyebi bakho
- Yongeza kwingxowa-mali yakho yokuxakeka kwindleko zenyanga ezintandathu
- Gcina imfundo ephakamileyo
- Invest in home repairs okanye ukulingana okuvelisa utyalo-mali
- Nangona ilifa ngokwenene lenza imali eyongezelelweyo, isalondoloza i-80%
Khumbula, ukunxibelelana kwentsapho oluqilileyo kukubalulekileyo ekudlulisweni kobutyebi obuyimpumelelo.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo 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. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza.
Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.