Ngokuqhelekileyo abantu baya kugxininisa ukubaluleka kokulondoloza ipesenti ethile yeholo lakho ngenyanga. Inombolo enye eqhelekileyo ipesenti ezilishumi, enye inamashumi amabini anesithandathu ekhulwini, kodwa abantu abanqabile ukuba yintoni omele uyenze kunye nokulondolozwa xa ubeka eceleni. Yilapho ukuhlukana phakathi kokwakha ubutyebi bokwenene kunye nokugcinwa kwemali kungena kuphela. Ukuba ugcina ipesenti ezilishumi zengeniso yakho ngonyaka, imali iya kwandisa ngaphezu kwexesha, kwaye uya kugqiba ngeqanda elihle leendleke , kodwa ukuba utyalomali imali oyilondolozayo kwisithuba esingenamngcipheko, unokwakha i-egg eyona nto, eya kuqala ukufumana inzala engaphezulu kunokuba uyinxaxheba kwinyanga nganye.
Yilapho uqala ukuqokelela ubutyebi bokwenyaniso.
Qalisa ukuTyala imali
Ukutshala imali ngokuqhelekileyo kuyindlela yokufunda. Abanye abantu bavela kwiintsapho apho bafundiswa khona, kodwa akuzange kuhambe phambili kunokubeka imali kwi-akhawunti yokugcina imali ebhanki. Abanye abantu bavela kwiintsapho apho ukugcinwa kungafundwanga, kwaye intsapho ihlale ihleli kwimida yabo. Kwaye abanye abantu bevela kwiintsapho apho utyalo-mali luyingxenye yocwangciso lwezemali , kwaye lufundiswa kwaye luxubushe xa abazali befundisa abantwana malunga noxanduva lwemali. Into ebalulekileyo ukuyiqonda kukuba unako ukugqiba ukuba yeyiphi indawo kunye neqhinga ofuna ukuyithatha xa unomdala kwaye unentsapho yakho.
Funda malunga notyalo-mali
Ukuba awuzange ukhulele ukufunda malunga nokutyalo kunye nabazali bakho abangazange batyalwe, kunokusongela ukuqala ukutshala imali. Kukho iindlela ezininzi ezahlukeneyo zokukhetha.
Kunzima ukwazi ukuba isitokethi esisodwa, iimali zenkcazo okanye iimali eziphathekayo zingcono. Kananjalo kunokuba nzima ukuqikelela ukukhula nokuqonda xa kufuneka uthenge kwaye uthengise amasheya. Indlela ekhuselekileyo yokutyalomali kukuba ukhethe iimali ezimbalwa eziphathekayo okanye ezichanekileyo kunye nerekhodi eqinisekisiweyo kwaye uzinamathele kubo njengoko imakethe iya kunyuka iphantsi.
Oku kukuvumela ukuba uphinde uphume kwiindawo ezisezantsi kwiimarike, kwaye ikukhusela kwishishini eliya ngaphantsi kwaye ulahlekelwa yimali oyityalomali. Xa ukhangela i- fund eyodwa ufuna ukukhetha enye evulekileyo iminyaka emininzi, kwaye inembali yokufumana inzuzo ngaphezu kokulahlekelwa yimali .
Fumana Uncedo kuMcebisi wezeMali
Umcwangcisi wezemali unokukunceda uqonde iimveliso ezahlukileyo ezikhoyo kunye neengozi ezinxulumene ngamnye. Ephakamileyo ukubuyiswa ngokubanzi kuthetha ukuba kukho ingozi enkulu. Xa useneminyaka engama-20, unokukhetha iimveliso ngezinga eliphezulu lokubuyela ngenxa yokuba unelungelo lokulinda i-market ukuze ufumane kwakhona. Njengoko ukhula kufuphi nomhlalaphantsi unokufuna ukutshintshela kwiimali-mali ezikhuselekileyo ukukhusela imali yakho. Umcwangcisi wakho wezemali kufuneka akwazi ukuchazela konke oku kuwe.
Beka iinjongo zokuTyala
Ukuba ugxininise ekwakheni ubutyebi, kunceda ukuba ube negalelo elicacileyo engqondweni njengokuzimela kwemali okanye umhlalaphantsi wangaphambili Ukuqikelela ukuba ufuna ukufaka imali engakanani ngenyanga. Unako ukumisela iakhawunti ekuvumela ukuba wenze iminikelo inyanga nganye, yindlela elula yokuqinisekisa ukuba uyaqhubeka utyalomali.
Injongo yenyanga iyakunceda ukuba ufinyelele iithagethi onayo ngomhlalaphantsi okanye ezinye iinjongo. Kubalulekile ukuba wenze inkqubela nganye ngenyanga. Ukuba uthe wangena kwi-savings yakho inyanga nganye okanye unqumla inyanga kwiKrisimesi, unokuzilimaza ngokwengeziwe kunokuba uyazibona.
Gcina iiMali zakho kwiNkundla
Ngaphambi kokuba uqale utyalo-mali kufuneka ube netyala elingenanto, kuba imali oyihlawulayo inzala ngokuqhelekileyo ibe ngaphezu koko uza kuzuza kwi-investments yakho. Kufuneka ugcine ingxowa-mali engxamisekileyo ongayifaki kutyalo-mali. Ungasindisa kwakhona izinto ezifana nokulungisa ikhaya kunye neeholide. Ipesenteji yeepesenti ezilishumi ngokuthe ngqo kumali-mali yinjongo efanelekileyo, ngakumbi ukuba ingaphezulu kwendlela yokugcina umhlalaphantsi . Esi sicwangciso sinokukunceda uqalise ngokwenene ukwakha ubutyebi kunye nokuthatha umhlalaphantsi ngokukhululekile.