Isihloko esincinane esikolweni esiphakamileyo okanye abafundi beekholeji bafunda ezininzi malunga nokufundela ukuphathwa kwemali. Ezinye iintsapho zijolise kwizixhobo zokulawulwa kwemali njengenxalenye yoxanduva lwabazali kunye nokuthatha inxaxheba kwentsapho, kodwa abaninzi banokuxoxa ngokukhawuleza ngokubaluleka kohlahlo lwabiwo-mali, ukucwangcisa, ukusindisa nokutyalomali. Abaninzi abaselula, abajongene nohlahlo lwabiwo-mali kunye nemfundo yemali bafumanisa ukuba ukulawula imali yabo kunzima. Izixhobo kunye nezixhobo ze-intanethi zingabokuqala abantu abadala ukuba baqalise ngokuqonda izihloko ezahlukahlukeneyo ukuze baqonde ukuba bahlakaniphile kwaye baphumelele.
01 Imali engaphantsi kwe-30
Intetho eyi-Smart malunga nezihloko zezezimali zeentlobo zonke, imali engaphantsi kwe-30 yi-website ikakhulukazi kubantu abadala. Ngokugxininisa kwizihloko ezichaphazelekayo kuwe, iMali engaphantsi kwe-30 icima ingxolo yezihloko eziphambili kakhulu ezingenakunomdla kuzo okwangoku kwaye unikezela ngokuqulathekileyo, okufundisayo kunye nokwenelisayo.
Ngaba udinga uncedo ngokufakela irhafu yakho yentlawulo? Imali engaphantsi kwe-30 inesiqendu kuwe.
Ngaba unamawaka ambalwa eedola ukutshala kwaye ungazi ukuba uqala kuphi? Imali engaphantsi kwe-30 inokukunceda.
Imali engaphantsi kwe-30 ayiyi kukushiya ivakale ithetha phantsi okanye ifana nawe ungaphezu kwentloko yakho. Yindawo enhle ukuqala uphando lwakho kunye nemfundo malunga nezicwangciso zokucwangcisa imali, ukuphathwa kwemali kunye nokutyalomali.
02 Gen Y Planning
Njengomdala omdala, ukufumana umcebisi wezezimali okuqondayo, indlela yokuphila yakho kunye neenjongo zakho kunye nezicwangciso kunokuthetha ukuhamba ngaphaya komani umama noyise bathembele kwiingcamango zabo zemali. I-Foodie kunye no-karaoke ngothando u-Sophia Bera, umsunguli we-Gen Y Planning, ngumntu omdala osemtsha ofuna ukunika iingcebiso ezifanelekileyo kunye nokhokelo anakho kwiontanga zakhe. Ukufumana izicwangciso zemali ezongezelelweyo zeminyaka eyi-millennial kunye nabaselula, jonga olu luhlu.
03 Qala ukuCwangciswa koMhlalaphantsi
Kwiminyaka emashumi mabini, umhlala-phantsi ubonakala ngathi unomgomo ode, ukuba kukho into ocinga ngayo. Ukulondoloza, kwi-paycheck yokuqala yokuqala, yindlela enhle yokuqalisa ucwangciso lakho kwikamva lakho - nokuba awuqiniseki ukuba yiyiphi iveki ezayo. Ukuba inkampani yakho inikeza icebo le-401K, gxuma kuyo ngokukhawuleza njengoko unakho, ukunikela ngokugqithiseleyo ukuvunyelwa - ngakumbi ukuba inkampani yakho ibambisana neminikelo. Kungabi neendleko ezimbalwa okanye iibhotile zewayini ezilungileyo nganye ngenyanga, kodwa uyavuya kakhulu ukuba wenze njalo kwikamva.
04 Wally: Iindleko zeNdlela xa Uhamba
Ukujonga apho imali yakho ihamba khona inyanga nganye, ingakumbi ukuba uhlawulelwa iindleko ezihambelana nomsebenzi wakho, kubalulekile ekucwangciseni nasekuhlaseleni uhlahlo lwabiwo-mali. Kulungile ukudala iphepha lokusabalalisa kwaye unqume oko ufuna ukuchitha, kodwa ukubona oko uchithe imali ingakuvuselela umnxeba kwaye kunokukunceda ukuba uqaphele ngakumbi iindleko zakho ezingenasidingo (ezo zidibaniso zongeza). UWally yi-app eyenza kube lula ukufumana umfanekiso apho uchitha imali yakho yonke imihla. Unokuthatha iifoto zamarisidi zakho, ungene kwiindleko, kwaye wenze okungakumbi ngeWally.
05 Ufuna uhlahlo lwabiwo-mali
Emva kokuba ufumene umfanekiso apho imali yakho iya khona, sekuyisikhathi sokuqala ukucwangcisa ngokucokisekileyo. Uyakudinga uhlahlo lwabiwo-mali lusetyenziso oluya kuqala nokugcina uhlahlo lwabiwo-mali, ukuba alukho lula (ekuqaleni!). Ufuna uhlahlo lwabiwo-mali luyakunceda:
- Iindleko zokucwangcisa
- Ukugcina imali
- Lungisa iinjongo zakho
- Bona iziphumo
06 Izabiwo-mali zeMindeni
Abadala abaselula baqala ubomi babo kunye kunye neentsapho kunye neentsapho ezincinci banenkxalabo emininzi ngemali. Iindleko zemihla ngemihla zihlala ziphambili, kunjalo-kodwa ukucwangcisa ikusasa - kungekhona kwabo, kodwa kubantwana babo-zongeza enye into ekujoliswe kuyo kwimo yokujonga. Uhlahlo lwabiwo-mali lusetyenziswe ngabasebenzisi abaninzi ukuvumela bonke abachaphazelekayo ukuba bathathe inxaxheba ekucwangciseni, ukuvavanya nokuhlawula imali ngemali. Ngeendlela ezininzi zokukhetha iifowuni kwiimfuno zakho, uhlahlo lwabiwo-mali luyindawo elungileyo kulabo abathanda ukufumana amava kwaye bafuna ukuhlala becala ngokucwangcisa kwabo.