Yintoni Eyona Nenzuzo Yakho?

Funda ukuba ubale kangakanani umnatha wakho

Umthamo wakho unokuba luncedo kakhulu ekukulingeni isimo sakho sezoqoqosho kunye nenkqubela phambili yemali ngonyaka. Ubungakanani bakho obubalulekileyo buyi-total assets yakho yonke impahla yakho. Ngamanye amazwi, umthamo wakho ngumlinganiselo owufumanayo xa ungeze yonke into oyiyo kwixabiso lakho kwikhaya lakho kwi-akhawunti yakho yasebhanki uze ususe kwixabiso lezo zonke izikweletu zakho ezibandakanya imali yokuboleka imali, imoto okanye i-mboleko yomfundi, okanye i-balance balance card.

Imfundiso emva kokubala inetha

Imfundiso, inkokhelo yakho yintengo ngekheshi oya kuba nayo ukuba uthengise yonke into onayo kwaye uyihlawule zonke iimali zakho. Kwezinye iimeko, le nombolo ngokwenene ayibi, ebonisa ukuba unamanye amatyala ngaphezu kweempahla. Nangona oku akuyona imeko efanelekileyo, kuyaqhelekileyo kubantu abangaphandle kwikholeji okanye ukuqala imisebenzi yabo. Ngaloo ndlela, inzuzo yakho inomlinganiselo wokuba unetyala elingakanani na ukuba uchithe iakhawunti yakho yasebhanki kwaye uthengise yonke into onayo ukubeka ityala lakho. Nangona kungenjalo imeko engokoqobo, yintoni imilinganiselo yakho yokuxabisa ibaluleke ngakumbi kuneyona (ngokuqhelekileyo engenangqiqo) iingcinga ezenziwe ukuba zifike kuloo nani.

Enyanisweni, xa kuziwa kwimpilo yakho yezemali, oko kuthetha, akukho mhlaba obalaseleyo wemilingo ekufuneka uyenzele inombolo, kodwa kufuneka usebenzise umthamo wakho ukulandelela inkqubela yakho unyaka nonyaka kwaye ukuba nethemba ukuba uyiphucule kwaye zikhule.

Indlela yokubala inetha lakho

Ukubala umthamo wakho unokuba yinkqubo elula, kodwa kufuna ukuba uqokelele yonke ingcaciso ejikeleze i-asethi kunye namatyala akhoyo. Abaninzi bamacwangcisi bezimali bancoma ukuba abaxhasi babo bahlale bekhuselekileyo kwifolda ngolwazi kuwo onke amaxabiso asethi kunye namatyala ahlaziywa ubuncinane kanye ngonyaka.

Ukuqokelela kunye nokulungelelanisa le ngcaciso ingaba yinto engumsebenzi wokuqala ekuqaleni, kodwa kuqinisekisa ukuba wena (kunye nabani na onokuyifuna njengomlingane wakho okanye umcebisi wezemali) unokufumana ulwazi xa kufuneka. Nangona ifolda enjalo ingaphendulwa ibe yinto engaphezulu, ukubala inani lakho lomnatha kuphela ludinga ulwazi olusisiseko lwezemali malunga nezinto ozithandayo kunye netyala enetyala. Nantsi indlela yokuqalisa:

Bala iiAfa zakho

1. Qala ngokubhala uluhlu lwakho olukhulu. Kubantu abaninzi, oku kungabandakanya ixabiso lekhaya labo, naziphi na izakhiwo zezindlu, okanye izithuthi ezinjengeemoto okanye izikebhe. Kwimeko yomnini-shishini, olu luhlu luya kubandakanya ixabiso lebhizinisi labo, elinokubaluleka kolu bunzima. Qinisekisa ukuba usebenzisa uqikelelo oluchanekileyo lwexabiso lemarike kwidola ekhoyo.
2. Emva koko, uya kufuna ukuqokelela iingxelo zakho zakutshanje kwiimpahla zakho zamanzi. Ezi zixhobo ziquka i-akhawunti yokujonga nokugcina imali, imali, ii-CD okanye ezinye iimali-mali ezifana ne-akhawunti ye-brokerage okanye i- akhawunti yomhlalaphantsi .
3. Ekugqibeleni, qwa lasela ezinye izinto ezizodwa ezingabaluxabisa. Ezi zinto zingabandakanya ubucwebe obuxabisekileyo, iifowuni zeemali, izixhobo zomculo, njl. Awudingi ukuba wenze yonke into, kodwa unokuzama ukuluhlu izinto ezixabisa i-$ 500 okanye ngaphezulu.

1. Ngoku, thabatha yonke i-asethi oyibhalisile kumanyathelo amathathu okuqala kwaye uyabongeze ndawonye. Le nani imele ixabiso lakho lilonke.

Bala iziTyala zakho

1. Kwakhona, qalisa nge amatyala amakhulu ahlawulwayo njengemali ebhalisiweyo okanye kwimali-mboleko yemoto. Bhala uluhlu lwemali mboleko kunye nemali ekhoyo yangoku.

2. Emva koko, dwelisa zonke izibopho zakho zobuqu ezifana nokuba nayiphi na ibhalansi kumakhadi wakho eemboleko, iimali-mboleko zabafundi , okanye nayiphi na ityala onokulihlawulisa.

3. Ngoku, kongeza izilinganiso kuzo zonke iimfanelo ozibhengeze ngasentla. Le nani imele amatyala akho.

Bala ixabiso lakho

1. Ukubala inani lakho lomnatha, krazula iindleko ezipheleleyo kwiimpahla ezipheleleyo. Kulo msebenzi, akunandaba nokuba lukhulu kangakanani okanye lunjani inani elincinci. Akubalulekanga ukuba inani alibi. Ukubaluleka kwakho kumanqaku nje kukuqala kokufumana into ekuthelekiswa nayo kwikamva.

1. Phinda le nkqubo kanye ngonyaka kwaye uthelekise nenombolo yonyaka odlulileyo. Ngokuthelekisa ezimbini, unokwazi ukuba unokwenza inkqubela okanye uqhubeke emva kweenjongo zakho.

Iingcebiso ezininzi ezifanelekileyo:

Yiba nolondolozo ngokuqikelela, ngokukodwa ngexabiso lekhaya kunye nezithuthi. Ukuchaphazela ixabiso leempahla ezinkulu kunokujonga kakuhle kumaphepha, kodwa ungeke upende umfanekiso ochanekileyo wento yakho.