Utyalo-mali olukhuselekileyo ulondoloze inkunzi, kodwa lubonelela ngenani elincinci nokukhula okuncinane
1. Bona ukuba zeziphi iintlobo zotyalo-mali zibhekwa njengekhuselekile
Akukho nzala-mali ikhuselekile ngokupheleleyo, kodwa ezi zihlanu (ukugcinwa kwebhanki, ii-CD, ukugcinwa kweeNondyebo, i-akhawunti yemarike yemali, kunye neengxelo ezixhaswayo) ezibhekwa njengezona zityalo ezikhuselekileyo onakho .
Injongo yaso ephambili kukukhusela inqununu yakho. Injongo yesibini kukubonelela ngenzuzo yengeniso. Ngeke ufumane ukubuyela okuphezulu kulezi zigqibo, kodwa awuyi kubona ilahleko.
2. Funda ukuba ukhuseleko lwakho lukhuselekile kangakanani
Zonke iimali-mali zingozi, "zikhuselekile". Ukwahlula kwiintlobo ezintathu zengozi ngokutyalomali ; ubuchule bokulahlekelwa yinqununu, ukulahleka kwamandla okuthenga ngenxa yokunyuka kwamaxabiso, kunye nomngcipheko ozayo kunye nokungabikho komthetho, onokuthi kwenzeke xa utyalo-mali olukhuselekileyo luqulethe iindleko okanye iintsuku zokukhula ezide. Ngenxa yokunyuka kwamaxabiso, ukuba ugcina yonke imali yakho kwindawo ezikhuselekileyo, iminyaka ephantsi kwendlela ongayifumana ngayo ayiyi kuthenga inani elifanayo lempahla kunye neenkonzo; intsingiselo ingase ilahlekelwe yinqununu, kodwa ukuba ikhuselekile kakhulu, ukuba ingalahlekelwa amandla okuthenga. Ngamanye amaxesha utyalo-mali olukhuselekileyo alukhuseli ngendlela ocinga ngayo. Kwixesha elide, uya kufuna kwakhona imali etyalomali yokukhula.
3. Mbonise ukuba imali eninzi imele ibe yindalo-mali
Okona ubuncinci, ufuna ukugcina iindleko zokuhlala kwiinyanga ezintathu ukuya ezintandathu kwiindleko ezikhuselekileyo njengengxowa-mali yakho. Ukukhuseleka kakhudlwana emsebenzini wakho, imali eninzi ofuna ukuyifumana ngokukhuselekileyo. Ukusondela kwakho kukuthatha umhlalaphantsi, imali eninzi ofuna ukuyifumana kwi-investments engenamngcipheko ongenakho ukungazinzi.
Njengoko usondele kumhlalaphantsi, uya kufuna ukwenza umvuzo wokuthatha umhlalaphantsi kwaye uyisebenzise ukucacisa ubuninzi bokugcina utyalo-mali olukhuselekileyo . Ungasebenzisa ukuhlola ukujonga ukuba uzakufuneka uhoxise kangakanani, kwaye xa-ke uqhathanisa utyalo-mali lwakho olukhuselekileyo kunye neemfuno zakho zokuhamba kwemali, ukhetho olukhuselekileyo lusetyenziselwa ukuxhasa imali yakho yokurhoxisa.
4. Ukuphuhlisa izinga elifanelekileyo lokulindela
Luhlobo luni lweentlawulo zezobalo-mali, okanye malunga nokufumana imali engakanani, okulindele ukuba ufumane kwi-investments ephephile? Kuxhomekeke kunyaka. Kwiminyaka elineshumi elinesihlanu ukususela ngo-2000 ukuya ku-2015, ukubuyela kwakho kwi-investments ekhuselekileyo kwavela kwi-6% ephezulu ngo-2001 ukuya kwi-low-zero ngo-2015. . Uya kufuneka ungeze kwezinye iinqununu ukuba ufuna ukubuyiswa okuphezulu.
5. Funda ukuqonda - kwaye ugweme - utyalo-mali
Esinye sitshixo sokwenza utyalo-mali olukhuselekileyo sifunda indlela yokuphepha utyalo-mali . Unokudlulela uninzi lwabiwo-mali olubi ngokukwazi ukuba ukhangele ntoni. Ukuphepha ukuphosa iimpazamo ezinkulu kunokuba yinto ebaluleke kakhulu kwimpumelelo yakho yomhlalaphantsi. Uninzi lwabiwo-mali luyakunqandwa ngokuphuhlisa ingqiqo ethile, kwaye ngokuqonda ukuba ubukhulu obuphezulu buyela ngaphandle kwengozi nje alukho.
6. Hlanganisa ukhetho olubonelela ngenzuzo yomhlalaphantsi
Nangona kungenjalo ngezobuchwepheshe utsalo-mali, ukufumana ingeniso eqinisekisiwe yomhlala-phantsi ngokuqinisekileyo kuwela kwinqanaba elifanayo njengotyalo-mali olukhuselekileyo. Emva koko, unokufumana phi ukhuseleko kunokufumana "ukuqinisekiswa"? Kucinga ukuba konke kuxhomekeke apho isiqinisekiso sisuka khona. Imithombo ephambili yemali engenayo eqinisekisiweyo yiNtlalo yoKhuseleko, izicwangciso zempesheni, kunye nezibonelelo. Ezi zikhetho zibonelela ngesiseko esihle kwisicwangciso sokufumana umhlala-phantsi okhuselekileyo.