Iimfundiso Eziyimfuneko Okufuneka Uyazi Ngayo Imali Yakho
U-Liz Davidson wasungula i-Financial Finesse, umboneleli ohamba phambili weenkqubo ezingenakulungelelaniswa iinkqubo zempilo, kunye nenjongo yokunika wonke umntu imvume yokungena kwimfundo. Njengenguvulindlela ekunyanzelekeni kwemali engabandakaliyo, uye wabhala isiqalo sokuqala-sokugqibela malunga nendlela yokufezekisa kakuhle impilo yakho kunye nentsapho yakho.
Yintoni Umcebisi Wakho Wezezimali Akunakukuxelela: Iingqinisiso ezi-10 eziyimfuneko ozaziyo malunga nemali yakho yindlela efanelekileyo yokufumana ukuqonda kakuhle indlela yokuphatha kakuhle imali yakho.
Incwadi kukubukeka okuqabulayo ngeendlela zokuthatha ulawulo lwezemali ngokwazo ngaphandle kokuxinwa kwiigonta zezemali okanye ngezinye iinkatha kunzima ukuhamba ngoshishino lweenkonzo zenkxaso-mali.
Naphezu kwesihloko esichukumisayo, u-Liz Davidson uxabisa isiluleko kunye nesikhokelo sabeluleki bezezimali abaqhuba kakuhle kakhulu kubaxhasi babo. Nangona kunjalo, njengoko echaza kwincwadi ethi Yintoni Umcebisi Wakho Wezezimali Akunakukuxelela: IiNyaniso ezili-10 ezifunekayo Okufuneka Ukwazi Ngayo Imali ngamnye wethu unezihluthulelo zempumelelo yethu yemali.
Ukuze ufumane ingqiqo ejulile yale ncwadi, kunceda ukwazi imvelaphi yombhali wayo kunye nenkampani ayenzile. I-Finesse yeMali ijolise ekuboneleleni ngeenkqubo ezingenakulungelelaniso zemali kubasebenzi okanye kumalungu emibutho ababonelela ngeenkonzo ukuze bancede baphucule iimali zabo. Ezi nkampani zihlawula le ntlawulo ukwenzela ukuba abasebenzi okanye amalungu ahlawule nantoni na ukufumana iinkonzo zempilo.
Eminye imizekelo yalezi zenkonzo zentlalo zibandakanya oku kulandelayo: ukufikelela kwi-coaching yezemali-based based coaching, i-Ask-A-Planner consultations (ngaphakathi komntu okanye kwi-virtual), ii-worksshops zokucwangcisa ngemali, i-webcasts kunye neziko lokufunda ngezimali kwi-intanethi.
Nangona ukunyuka kweentengo zemali njengenzuzo enikezelwa ngumqeshi, akubona bonke abasebenzi abanokufikelela kwimfundo yezemali engabalulekanga.
Le ncwadi inikeza ithuba lokufikelela kubantu abangenako ukufikelela kwezi nkonzo zokuguqula impilo ngokubambisa umqeshi.
Akumangalisi ukuba umsekeli kunye ne-CEO yeenkampani zemfundo ehamba phambili bafuna ukusasaza isigidimi sempilo kakuhle kubaphulaphuli ababanzi. Yintoni ekhuthazayo malunga nencwadi kukuba ixhobisa abantu ukuba bafune utshintsho kwimpilo yabo yezimali kunokuba bavumele abantu ukuba bacinge ukuba ukusebenza nomcebisi wezezimali oyingcali kuphela yindlela yokufumana ukuzimela kwezimali kwangempela.
Eziphambili zeNcwadi
Yintoni Umcebisi Wakho Wezezimali Akunakutshilo Unesihloko sokubamba ingqalelo kodwa incwadi ayibhaliwe njengento yokubonisa iingxaki ezihambelana nendlela iingcebiso zezimali ezithunyelwa ngayo kwilizwe lethu. Endaweni yoko, le ncwadi inceda ukuphula iingcinga ezibalulekileyo zokucwangcisa ngemali ngendlela efikeleleke kalula.
Yintoni Abacebisi Bakho Abaxhasi Bemali Abakuxelelayo Ugxininisa ukusetyenziswa kwezibonelelo emsebenzini. Umqeshi wakho unokukwazi ukuba ngumlingane oncedo xa ekhetha iinkonzo ezahlukeneyo zemali. Ngelishwa, ezi zixhobo ezibonelelwe ngumqeshi zihlala zinganakwa kwaye zisebenziseka kwiimeko ezininzi zokucwangcisa imali.
Incwadi ichaza indlela yokufaka iinkonzo zezimali ezibonelelwe ngumqeshi kwisicwangciso somntu siqu. Isicwangciso somhlala-mali sokuthatha umhlala-phantsi, ukulingana no-401 (k) iminikelo, iinkonzo zomthetho zamahhala, i-inshorensi yezempilo kunye nokulungiswa kwemali echanekileyo yilezi ezinye zezinto eziphathekayo eziphathekayo ezixutyushwa ngazo. Ukulula ukuyiqonda isati kunika uluhlu olusisiseko malunga nendlela ezi zinzuzo zisebenza ngayo kunye nexabiso eliqikelelweyo leenzuzo ezahlukeneyo zomqeshi.
Enye into ebalulekileyo kakhulu kule ncwadi yoluhlu lokuncedisa abantu ukudala indlela yokuba netyala kunye nokuzimela ngokwezimali. Ukubeka phambili izigqibo zemali kunokuba ngumngeni omkhulu kwaye incwadana inceda ekujongeni ukuba zeziphi izinto eziphambili zezemali kufuneka ziqwalasele kwaye zijolise. Le ncwadi iqulethe izixhobo ezincedo kunye nezibonelelo ukuphumeza iziphumo ezilungileyo xa ulawula imali yakho.
Ukususela kwi-Calculator ye-Blaster yeMatyala kwi-Estimator ye-Retirement Platinum kukho amanqaku amaninzi ancedo ekusebenziseni i-calculators kunye nezixhobo zokunceda ukuphucula ukuzithemba kwakho kwezemali nokunciphisa uxinzelelo lwezezimali. U-Liz Davidson uxoxa ngeendlela ezifanelekileyo zokuhlawula ityala, indlela yokukhetha iimali ezihlangeneyo, indlela yokufumanisa iindleko ezifihliweyo zerhafu, kunye nendlela yokusebenza kunye nomlingani wakho wobomi.
Abacebisi bezezimali bangene njani emfanekisweni wokufezekisa ukunyaniseka kwemali? Abaninzi abacebisi ngezezimali bathembekile, baziphatha kwaye bazinikele ekuncediseni ekubhekiseleleni kwiinjongo zobomi ezibalulekileyo. Iimali zeendaba zezemali zidla ngokugqithiseleyo iipulo ezimbi kwiqela. Kodwa njengazo zonke iziganeko ezibalulekileyo zengxelo ezimbi zingasenza sikhusele kunye nathi esithembayo ekuncedeni ukulawula iimali zethu. Yintoni Umcebisi Wakho Wezezimali Akunakutshoyo Uncedisa ukuchonga apho ungayifumana khona umcebisi othembekileyo kwaye unikezela ngokubaluleka kwemibandela ebalulekileyo yokubuza. Oku kunceda xa usebenza nomcebisi okhoyo kunye nokuba xa uthendulana nomntu onokukunceda ukubonelela ngesikhokelo.
Esinye isisombululo esiluncedo lwezixhobo kunye nezibonelelo ezikhoyo kubafundi yiSayithi yoSuku lokuPhepha kweMali eyadalwa ukuhamba nencwadi. Umxholo we-"Independent Day Day" ungumhla obekelwe bucala ukuba ufumane ubomi bakho bezezimali ngendlela. Abafundi bayakhuthazwa ukuba baqhubekele inkqubela yabo baze bazalise uluhlu lokuhlola uluhlu lweMali yokuPhepha. Iwebhusayithi ye-Day Independence Day inikezela izikhokelo zabafundi ukudala amaqela abo ukuba basebenze ngezahluko kwincwadi kunye nabahlobo babo kunye nosapho.
Ngaphantsi
Ukuba ufuna ingcebiso ngqo yezemali ngaphandle kwendawo efihlakeleyo kufuneka ukhangele ukuba Yintoni Umcebisi Wakho Wezezimali Akunakukuxelela. Le ncwadi izokukunceda ukuba uthathe ubunini bezimvo ezibalulekileyo zezimali ngaphandle kokubetha ngentloko kunye ne-jargon yezemali engadingekanga okanye izicwangciso ezingqongqo. Okubaluleke kakhulu, umxholo unceda abafundi ukuba bathuthukise umqondo wabo wezezimali.