Ungalokothi Usebenzise iNqununu Yakho Ukuba ufuna UTyebi
Intsapho yakho ilambile, kwaye uyaqhekeka.
"Ungadli inqolowa yakho yembewu" i-truism isetyenziselwa ukuxhaswa ngemali kwimbonakalo yakudala, "ungalokothi uchithe inqununu yakho". Ezi zombini iingqiqo zibalaselisa inyaniso ebalulekileyo: Xa uchitha into ethile, awugcini nje ukuyeka loo nto ngokwayo kodwa yonke into ayayiyivelisa kwikamva. Kwimeko yemali, oko kuthetha ukuba xa uchitha i-$ 1, awulahli imali eyi-1. Unika yonke igalelo, inzala, kunye neendleko ezifunekayo idola ukusuka ngoku kude kube sekufeni kwakho. Ngokomzekelo, umfundi oneminyaka eli-18 ubudala ophumelele esikolweni esiphakeme wahlala kwaze kwaba neminyaka engama-80, kwaye wafumana inqanaba elifanayo lokubuyisela imarike yemasheya, ngokuqhelekileyo, kwiibini eziliqela ezedlulileyo, i-$ 1 ngokwenene i ngaphezu $ 368. Ngokuchitha idola namhlanje, umntu omdala osanda kutyalwa uchitha i-$ 1 kunye ne-367 yeedola kwiidola ezizayo.
Iimpawu ezi-3 zokufaka isicelo sokuthi ungadli iMbewu yakho yeMbewu yeMbewu kwiPoliyoli yakho
Kukho iindlela ezintathu ezilula zokusebenzisa ulawulo lomlimi ukuphucula iimali zakho kunye nepotfoliyo.
- Ukuchonga i-asethi ekhethekileyo kunye nexabiso leedola ezigcinwe njengengqolowa yembewu: Kwintsapho yam, siyibiza ngokuthi "yethu inkunzi". Cinga nje ngokuba ngumnikelo kwiyunivesiti okanye isiseko sothando. Le yimali engafanele isetyenziswe, phantsi kwayo nayiphi na imeko, nokuba kuthetha ukuba uthengise imoto yakho, indlu yakho, ubugcisa bakho, kwaye ufumane umsebenzi wesibini. Ukuba ufuna ukuhlala utyalomali lwakho, uvumelekile ukuba uchithe ingeniso yerhafu okanye ezinye iirhafu ezilahliwe ngumbona wembewu. Imbewu yengqolowa ingcwele. Ukuchitha nokuba i penny yayo yayiza kuba ngumbingelelo.
- Bala inani lemali oyongezayo kwimbewu yakho minyaka yonke ukulwa nokunyuka kwemali kunye nentlawulo: Ixabiso lemali liwela ixesha elide kwiintlanga ezininzi ngenxa yokuba amagosa akhethiweyo atshintsha imali engaphezulu kunyaka ngamnye odlulayo. Ukulwa nale mali yokunyuka kwamaxabiso , kufuneka ukuba ukhulise ixabiso lakho lephothifoliyo ukwenzela ukuba ukhiqize iidola, i-euro, i-yen, i-pound sterling, okanye nayiphi enye imali oyifunayo ukuze uthenge ubuninzi obufanayo nobisi, ishizi, isonka, amaqanda, ukushisa, iimpahla, i-petroli, kunye nokuzonwabisa onokuyenza ngaphambili. Ukuqapha ukunyuka kwamaxabiso, gxila kumandla okuthenga . Yonke into malunga nokuthenga amandla.
- Qinisekisa isicwangciso semidlalo yokuphela kwenzalo yakho yembewu: Ngaba ufuna ukuchitha yonke imali ngaphambi kokuba ufe, udla ingqolowa yembewu oyifumene kwiminyaka emihlanu okanye eyishumi yokuphila? Ngaba ufuna ukushiya yonke imbewu yakho yenzalo kwizothando okanye amalungu omndeni? Yintoni, ngamanye amazwi, ngumdlalo wokugqibela? Awukwazi, kwaye akayi kuphila ngonaphakade, kufuneka ube ngokucacileyo malunga nezicwangciso zakho zento ozifumene ngexesha lokuphila kwakho. Ekugqibeleni, yimali yakho. Awunakukuthatha kunye nawe ngoko kufuneka uchithe, okanye uyisebenzise, ngendlela ebonisa zakho iiminqweno kunye neenkolelo. Kwimi, isithuthi yiKennon & Green Foundation. Kuwe, kusenokuba yinto enjenge- restriver resting trust .
Isicwangciso sokugqibela sokukhusela iMbewu yakho yembewu
Enye indlela ongayiphephela ngayo isilingo sokudibanisa kwimbewu yakho yenzalo kukusebenzisa oko ndibiza ngokuba yi-akhawunti yokuqokelela kunye ne-akhawunti yokuhlawula. Ukwenza oko kuphumela kwizihlawulelo, inzala, inzuzo, iireti, ingeniso yeelayisenisi, okanye enye inzuzo oyibonayo ifakwe kwi-akhawunti yasebhanki enikezelwe ekuhlawulelweni, kungekhona i- akhawunti yomrhweba okanye i-retirement trusts ebambe utyalo-mali. Isiphumo sokuphela kukuba ubeka imali kuphela kwizakhiwo ezibamba iibhanki zakho, iibhondi, i- real estate , okanye iimali ezihlangeneyo , ungalokothi uthabathe imali kubo. Ilungisa umqobo phakathi kwakho kunye nenqununu yakho. Le ndlela ayikho into engathembekiyo - ukuba uzinikezele ukwenza into engafanelekanga, mhlawumbi uya kufumana indlela yokwenza ngayo - kodwa inganciphisa inkqubo encinane, ikunike ixesha lokucinga.
Ungalokothi ulibale lo mgaqo: Musa ukunikela into oyifunayo oko ufunayo kwangoku . Gcina ukuba kubhalwe entliziyweni yakho kwaye ukhusele imbewu yakho yembewu kufuneka kube lula.