Ngamanye amaxesha ukuthatha ilahleko yiyona ndlela ihle kakhulu
Uninzi lwabatyalomali bavame ukuthengisa ukusuka kwicala elide, kwaye ngenxa yezizathu ezifanelekileyo. Kwiminyaka emashumi, iimarike ziye zahamba ngokunyuka. Ngokuqinisekileyo, kuye kwancipha, kodwa i-market isoloko (ubuncinci ukuya kwixesha langoku) yabuyisela yonke ilahleko kwaye yaqhubela phambili kwixesha elitsha eliphezulu.
Ngenxa yokuba siyazi ukuba "amaxesha amahle" akakwazi ukuhlala ngonaphakade kwaye kuya kuba soloko kulungiswa imarike yokuhluka kanzima, kufanelekile ukwabelana ngenye yefilosofi yam yorhwebo .
Ndiyakholwa ukuba le ngcebiso elandelayo ifanelekileyo kuninzi lwabatyalo-mali kunye nabahwebi.
- Ukuphumelela kwixesha elide, ilahleko kufuneka zinciphise. Kubalulekile ukuba usebenzise ukulawulwa kweengozi ezinobungozi ukuze xa ulahlekelwa urhwebo, ukulahlekelwa akuyi kuba mkhulu ngokwaneleyo ukulimaza i-akhawunti yakho yorhwebo. Enye indlela yokufezekisa oko kukuthengisa kuphela xa umvuzo onokulungele ukuwufuna xa uthelekiswa nobukhulu be (kunye nethuba lokungena) ukulahleka okukhoyo. Indlela efanelekileyo yokulawula umngcipheko kukuthengisa ubungakanani besithuba esifanelekileyo.
- Injongo yakho yokurhweba / utyalo-mali kukufumana imali. Ufuna ukubona ixabiso leakhawunti yakho likhule ngenyanga emva kwenyanga. Akulona ngcamango elungileyo ukulindela ukwenza imali kuyo yonke intengiso. Ngamanye amaxesha iimarike aziziphathe ngendlela ekulindelekileyo kwaye ngamanye amaxesha zincinci kakhulu kwiqhinga lokuthengisa nge-premium ukuze liphumelele.
- Akunandaba nokuba yeyiphi iqhinga lokukhetha ukuthengisa. Ayenzi nantoni na ukuba yeyiphi na isisitye okanye isalathisi sijoliso kwi dollar yakho yotyalo-mali. Umsebenzi wakho kukuthatha isicwangciso kwi-asethi esezantsi efanelekileyo ngokufanelekileyo kwindlela yokuthengisa kunye neemeko zorhwebo. Musa ukunyanzelisa urhwebo. Khumbula ukuba akukho sitokethi esithile 'esikuhlawula yona inzuzo. Ukuba ulahlekelwe yimali ekugqibeleni uthengise isitokisi, akuthethi ukuba ufanele unyanzele urhwebo lwemida kwindawo efanayo - ngenxa yokuba ufuna ukubuyela kwakhona. Qalisa kuphela uqeqesho olufanelekileyo kunye nenani elifanelekileyo lomngcipheko / umvuzo. Ungalokothi utshintshe isikhundla xa isizathu esisodwa kukuba unqabe ukulahleka. Ungalokothi uthathe umngcipheko olungakumbi ukuze ugweme ukuvalela kwilahleko.
- Ukuba unesikhundla okwangoku ulahlekelwa yimali kwaye ukuba eso sikhundla siba yingozi kakhulu kummandla wakho wokhuseleko , ngoko lixesha lokulungisa okanye ukushiya urhwebo. Musa ukwandisa ubungakanani besithuba kwizame zokufumana. Ungabambeli, enethemba lokuba intengo yesitoko iya kuguqula izikhokelo, kukuvumela ukuba uphinde ulahlekelwe nayiphi na ilahleko.
Musa ukulungelelanisa indawo ukuze ugweme ukuvalela ekulahlekeni (ngokuvala isikhundla). HLAWULA ulungele indawo xa ufuna ukufumana isikhundla kwisitokethi esithile (okanye inkcazo) phantsi kweemeko zangoku. Lungisa indawo ukwenzela ukuba isikhundla esitsha sifanele sibe neyona nto-kubomi bakho. Oko kuthetha ukuba, ukuqhubela phambili, ukuba zombini umvuzo kunye nokuba mngcipheko uyamkeleka. Imali elahlekileyo, ilahlekile. Musa ukuhlala kuyo.
- Ukuba ukholelwa ukuba isisithi esinye sinika ithuba elifanelekileyo lokurhweba, ke leyo yindawo yokutshala imali yakho. Uya kulungiswa kangcono ukuba uphume kwindawo ekhuselekileyo kwaye uhambe kwinto ocinga ukuba ingcono. Emva kwakho konke (ukuphinda), injongo yakho ukwenza imali kwi-akhawunti yakho; kwaye kungekhona kwintengiso ethile.
Le ngcamango enzima kwabanye abantu bayayiqonda. 'Imfuneko' yokubuyisela ilahleko kwisitokethi esisodwa - okanye esinye isikhundla - sinceda abaninzi ukuba bafumane ithuba elihle lokufumana inzuzo. Akukuhle ukuba ufumane i-$ 1,000 ukusuka kwintengiso entsha kunokuchitha ixesha elilinganayo (kunye needola zentengo-mali) ukuze uphinde uphumelele ukulahlekelwa i-$ 500? Okukugqibela kunokukwenza uzive ulungile, kodwa kunokushiya nge-$ 500 ngaphantsi kwe-akhawunti yakho.
Xa ufumana unzima kwimarike, kukho amanyathelo onokuthatha:
- Okokuqala, nqama ukurhweba. Vala ukulahlekelwa izikhundla uze usule intloko yakho isikhashana. Kuya kulungeleka, kokubili kwengqondo kunye nokukhawuleza.
- Okwesibini, buyisela kwakhona ingqalelo. Khumbula injongo yakho. Khumbula isitayela sakho sokuthengisa kwaye ulinde kude kubekho iimfuno zakho zithuba. Ekugqibeleni, ungenzi ukubuyiswa kwelahleko zakutsha nje. Ukwenza imali - yinjongo yakho.