Indlela yohlahlo lwabiwo-mali ukuba Uzimeyile okanye u-Freelancer
Makhe sithi ungo-freelancer, ikhontrakta, okanye mhlawumbi uqeshwe. Awunakho ukuhlawula rhoqo rhoqo kwiiveki ezimbini. Endaweni yoko, ufumana iintlawulo zenkcitho ezithintekayo ezizayo ngezikhathi ezingaqhelekanga.
Ezinye iinyanga uzenza kabini kwento oyenzile inyanga edlulileyo. Ezinye iinyanga wenza isiqingatha sento oyenzile iinyanga ezidlulileyo. Ungayenza njani uhlahlo lwabiwo-mali kulo lonke umhlaba?
Nazi ezinye izicwangciso zokukunceda uhlahlo lwabiwo-mali nangona ufumane imali engenayo.
Inyathelo lokuqala: Jonga kwiirekhodi zeminyaka emibili yokugqibela yengeniso. Yiyiphi imali eninzi oyenzayo kwinyanga ethile? Yiyiphi imali encinci yemali oyenzile kwinyanga ethile? Yaye yintoni umyinge?
Ngomzuzu esiya kugxininisa kwinani elincinci, inani elincinci oyenzile kwinyanga ethile.
Inyathelo lesibini: Sebenzisa ezi phesheya zokusebenzela uhlahlo lwabiwo-mali ukuze wenze uhlahlo lwabiwo-mali olusekelwe kumlinganiselo omncinci owenzileyo kwinyanga ethile kwiminyaka emibili edlulileyo.
Ekubeni le nto yayincinci oyenzile, unokucinga ukuba uya kwenza okungaphezulu kwesi nenyanga nganye ehamba phambili. Kodwa kufuneka ubeke uhlahlo lwabiwo-mali lwakho ubuncinci olwenzileyo ukugcina umda wokhuseleko.
Ukuqhuba zonke iindleko zakho - kuquka iindleko zakho ezizimeleyo neziguquguqukileyo - kwaye ubone ukuba unako ukwenza ezi zinto zilungele uhlahlo lwabiwo-mali, ngokusekelwe kumlinganiselo omncinane owawuthatha ngenyanga.
Ukuba awukwazi, qalisa ukubeka uluhlu lweendleko zakho ngohlobo olubaluleke kakhulu kubuncinci.
Eli phesheya liya kukunceda uhambe kuzo zonke izinto ozifunayo. Okuyimfuneko kukuba, ngentetho, izinto ezibaluleke kakhulu kwiluhlu lwakho. Ziquka ukutya, izindlu, umbane, amanzi kunye nezinye izinto ongenakukwazi ukuhlala ngaphandle.
Ngakolunye uhlangothi, izinto ezinokubaluleka, zincinci zincinci kubaluhlu lwakho. Ezi iindleko ozakufuna ukuzinqumla ukuba uzama ukwenza uhlahlo lwabiwo-mali lulungele umvuzo wakho.
Inyathelo lesithathu: Yenza isicwangciso sakho "semali engaphezulu". Khumbula, uhlahlo lwabiwo-mali ngokusekelwe kumlinganiselo omncinci owenze eminyakeni emibili edluleyo. Ukuba ezinye iinyanga ezingama-23 zingaphi naziphi na izibonakaliso, uya kuba nemali eyongezelelweyo kulo lonke ixesha.
Yenza isicwangciso ngoku ukuba uza kwenza ntoni ngemali eyongezelelweyo. Ngaphandle koko, ubeka umngcipheko wokuvuthela.
Ngaba ufuna ukugcina loo mali ekuthengeni imoto yakho elandelayo ngemali ? Ngaba ufuna ukuvula imali yokugcina iikholeji kubantwana bakho? Ngaba ufuna ukudala i-akhawunti enkulu yokugcina umhlalaphantsi okanye ubeke loo mali ekuhlawuleni amatyala?
Khetha iinjongo zakho kwaye ubeke yonke imali yakho engaphezulu.
Inyathelo lesine: Xa kungena isheke, qhekela ngokusekelwe kwiinkalo zakho zohlahlo lwabiwo-mali.
Makhe sithi ngomzekelo ukuba udale ibhajethi yesigaba esihlanu. Unqume ukuba uzimisele ukuchitha u-35% wemali yakho kwizindlu, u-15% kwi-benefit benefit, u-10% ekulondolozeni, i-15% ekuthuthweni, kunye ne-25% kwenye into.
Xa ufumana isheke kumxhasi, khawuleza ukwahlula ukuba uhlole kwiindidi ezifanelekileyo (emva kokubeka eceleni eceleni iirhafu ezifanelekileyo).
Unokuze ufumane imali yokutshekisha kwaye ubeke imali kwiimvulophu ukuze usebenzise isicwangciso sebhajethi sebhajethi.
Ngokwahlula yonke isheke eliya kungena, unokuqiniseka ukuba uhlahlo lwabiwo-mali luhambelana neepesenti ezifanelekileyo. Ngamanye amazwi, awuyi kubeka umngcipheko wokuchitha imali engama-50% wemali yakho kwizinto zokuqonda kwaye ungabi nanele ngokwaneleyo ekudleni.
Inyathelo lesithandathu: Yakha umkhombe omkhulu wemali.
Ukuba unenzuzo engafanelekanga, i-"cushion cash" ngumhlobo wakho omhle.
Ngokugcina ibhalansi yeedola eziliqela kwi-akhawunti yakho, uya kuba neyona ndlela yokuhlangabezana neenyanga xa abathengi bephuza ukuhlawula.
Ikhefu lekheshi lihluke kwi-fund yexakeka. Umtya ukhona nje ukuze uqinisekise ukuba unokuhlawula zonke iibill zakho ngelixa ulinde imali engenayo engenayo kunye nengeniso engavumelekanga ukuba ibonakale kwibhokisi yakho yeposi.
Ingxowa-mali yexakeka, nangona kunjalo, i-akhawunti ehlukileyo, ongayi kuyenza ngaphandle kokuba imeko enzima kakhulu ibonakala.