Ukulawula imali yakho ngempumelelo kuyona nto ebalulekileyo ekuphumeleleni ngemali. Khawuqwalasele oku: kukho abantu basebenze kumsebenzi wezinga eliphakathi kwabo bonke ubomi babo, basindise isabelo esihle semali yabo engenayo, babenegalelo elinomdla kwi-retrait yabo kwaye bakwazi ukuhlala phantsi njengama-million.
Ngokukhawuleza, kukho abantu basebenzayo imisebenzi ehlawulela phezulu kunye neebhonasi ezinkulu eziphelela kungekho nto igcinwe kwaye akukho ndlela yokuthatha umhlalaphantsi. Uphi umehluko? Omnye wayephethe kakuhle imali; omnye akenzanga. Isitshixo sokuphumelela ngemali asiyiyo imali enokuyenza, kodwa indlela oyilawula ngayo.
Funda ukuze ufunde indlela yokuphatha imali yakho ngempumelelo.
Ukulawula Imali Yakho Imali
Ukulawula imali yakho kuqala ngempumelelo yakho. Kuzwakala kulula, kodwa isitshixo sokuphumelela kulo mbandela uchitha imali engaphantsi kweyakho. Ukuba unokwenza oko, unokuqala ukwakha impumelelo ngokusindisa nokutshala imali yakho. Nangona kunjalo, loo nto ayisoloko ilula njengoko ivakalayo, kwaye isitshixo sokwenza oko uhlahlo lwabiwo-mali ngempumelelo. Isabelomali singaphezulu kweluhlu lwamacandelo kunye nezixa zemali yakho. Isikhokelo sakho senyanga kunye nesicwangciso sakho sokukunceda ufikelele kwiinjongo zakho.
Beka imali oya kuyichitha kwindawo nganye, ubeka phambili imali yakho kunye nokugcina ngokusekelwe kwiinjongo zakho kunye neemeko zakho, kwaye ekugqibeleni, ulandele imali yakho.
Oku kukuvumela ukuba ufune ukuyeka ukuchitha imali kwinqanaba elithile, nalapho udibanise khona igumbi okanye imali eyongezelelweyo engabelwa kwenye indawo. Xa ufumana ulawulo lwakho lwabiwo-mali , uza kuba endleleni yakho yokulawula imali yakho ngempumelelo.
UkuLawula amatyala akho
Indlela efanelekileyo yokulawula ityala lakho kukuphelisa ubuninzi ngangokunokwenzeka.
Isinyathelo sokuqala kukuyeka ukusebenzisa amakhadi akho ekwereta , uze usebenze ukuze uhlawule. Elinye ityala linzima ukuphepha, njengemali-mboleko yomfundi okanye ukuthenga imoto. Ngokomzekelo, awukwazi ukukwazi ukufumana imoto, kodwa ufuna omnye ukuba asebenze ngosuku ngalunye. Ngako oko, kuya kukunceda ukuba uthengise ngeyona nto ihamba phambili kwimoto kunye nemilinganiselo enomdla, ngoko unako ukuhlawula ngokukhawuleza loo matyala. Okufanayo kuya kwimboleko yezikolo. Zama ukuhlengahlengisa ukufumana inzala engcono, okanye uhlawule ngaphezulu kwiimali-mboleko zakho nyanga zonke ukwenzela ukuba imali yakho ifike kwibhalansi yintloko kunokuba inzala.
Enye indawo apho ityala lingenakunqandwa khona xa kuthengwa ikhaya. Kodwa oko akuthethi ukuba kutyalo-mali olubi. Khangela ikhaya onokukwazi ukulifumana, elikwindawo elungileyo, kwaye liya kuxabisa ngexabiso. Khumbula, ukuhlawulwa kwakho kwemali kufuneka ungabi ngaphezu kwe-30% yengeniso yakho.
Ukulawula Ukugcinwa Kwenu kunye noTyalo-mali
Bathi kufuneka uhlale uzihlawula okokuqala, kwaye oko kusebenza ekwakheni imali yakho yokugcina imali kunye nepotfolio. Kukho iintlobo ezimbini ezahlukeneyo zokulondolozwa: ukugcinwa kwamanzi kunye nokutyalomali lwakho.
Siza kuqala ngokutyalomali. Ukutshala imali kuyindlela eyincedo yokusindisa kuba ngokwenene ikufumana imali kwaye yandisa ubutyebi bakho.
Ukuba awukwazi kakhulu ngeemarike zentengiso kunye notyalo-mali, ngoko kunokuba luncedo kakhulu ukuba nomcebisi wezezimali uncede ulawule utyalo-mali.
Nazi izicwangciso ezimbalwa: Iingxowa-mali zentsebenziswano zikunceda ngokungaqhelekanga ukuba zihluke iipotifoliyo zakho, kodwa kufuneka uzikhange ngeemirhumo ezifanelekileyo kunye nenani elihle lokubuyela. Qinisekisa ukuba ulwahlula iphothifoliyo yakho, oku kuthetha ukuba akufanele ube nobuninzi bezityalo zakho kwisitokethi esisodwa. Kufuneka utyalomali kwiintlobo ezahlukeneyo zokutsalwa kweentlobo. Awufuni ukuba zonke iityalo zakho zibe kwi-tech okanye nayiphi na indawo ukuba loo candelo lithengiswa.
Utyalo-mali lunokuba lukhuni ukufikelela ngexesha loxakeka, kwaye unokuba ungafuni ukunyanzeliswa ukuba uzifake imali xa uthengisa xa ufuna. Yilapho i-akhawunti yokulondoloza amanzi ifike khona.
I-akhawunti yakho yokulondoloza kufuneka iqulethe i-fund yakho yexakeka kwaye kufuneka ifikeleleke ngokukhawuleza xa kukho imeko engxamisekileyo. Ufuna ukukwazi ukufikelela kwi-savings yakho ngokukhawuleza xa kuyimfuneko, kodwa ufuna kwakhona ukufumana inqanaba elihle lomdla.
Abanye abantu bayayigcina nje kwi-akhawunti yokulondoloza ibhanki, ngelixa abanye baya kusebenzisa imali yeemakethe yemali, ukubophelela imali okanye i-CD . Le mali ayikho intsha-mali, kodwa ininzi yokukhuselwa kwezoxakeka. Cinga nje nge-inshorensi yakho, ngelixa ukwakhiwa kobutyebi bokwenene kubakho kutyalo-mali.
Ezinye iingcebiso:
- Indlela olawula ngayo imali yakho emva kokuba utshatile ungatshintsha. Funda iziphakamiso zethu apha.
- Zama ezi zihlanu zixhobo zokulawula ityala lakho .
- Ufuna ukutyalo kodwa ungaqinisekanga njani? Zama ezi ngcebiso malunga nokuqalisa .
- Yakha uhlahlo lwabiwo-mali oluqwalasela ingeniso yakho kunye neemfuno zakho .
Ukuhlaziywa nguRachel Morgan Cautero.