Thatha ulawulo lwezinqumo zakho zezezimali ngala ma-8 amanyathelo.
Cingisisa kwaye uqikelele ngaphambi kokuba wenze izigqibo zokutshala imali. Nantsi inqanaba lesibhozo ekusebenziseni ukuba wenze ntoni ngemali yakho.
1. Funda, Funda, kwaye Ufunde
Kuqhelekile ukuba ndifumane ii-imeyile ezivela kubantu abangaqhelekanga ndicela ukuba ndibaxelele oko bafanele bayenze ngemali yabo.
Umbuzo wokuqala ndibabuza uthi "Ngaba ufunde naziphi na iincwadi ekutyalomali?" Musa ukuxhomekeka kwinqangi lomntu uze ufunde izinto ezisisiseko. Ukuba awukwazi okwangoku ngoku, into engcono kakhulu ongayenza ngemali yakho ityala imali kwiincwadi, iimagazini zamaphepha omgangatho, kunye neeklasi zokutyalomali ukuqala ukufunda okungakumbi. Funda iincwadi zokutshala imali kunye namaphephancwadi ezimali ngaphambi kokuba utyalomle. Ngokomzekelo, uyazi umahluko phakathi kwesitokisi kunye nesibhondi? Ukuba awukwazi, awulungele ukutyalomali.
2. Hlela ulindele
Ngaphambi kokuba uthathe isigqibo malunga nento enokuyenza ngayo ngemali yakho, khangela iirhafu zeembuyekezo zeengxelo zokugcina imali, i-stocks, kunye nezibophelelo. Oku kuya kukunika ingcamango yento onokuyilindela kwiimeko ezilungileyo kunye nakwizinto ezimbi. Olu chungechunge lwamatshathi lubonisa ukuba ubuhle kakhulu kwaye bububi kakhulu kwiintlobo ezahlukeneyo zotyalo-mali.
3. Yazi i-Time Frame Frame
Ukuba unethuba elifutshane, musa ukuthatha umngcipheko ngaphandle kokuba uzimisele ukulahlekelwa yimali njengoko wenza okuthile.
Ukuba ubeka umngcipheko kwaye ufake imali yakho kwisitokhe ilindele ukuba iphindwe kabini, kufuneka uqaphele ukuba kuya kukhululeka ukuba iya kulahlekelwa isiqingatha sayo. Utyalo-mali olukhuselekileyo lulungele ixesha elifutshane. Utyalo-mali lokukhula lufanelekile kuphela ixesha elide.
4. Gqibo malunga neengozi zokuTyala imali
Ukuba ukufumana iimbuyekezo ezi-10% kwakulula nje ngokukhetha i-stock right, wonke umntu uya kwenza.
Uyazi ukuba akukho sidlo sakusihlwa samahhala, akunjalo? Utyalo-mali olukhuselekileyo luhlawula ubuyiselo obuphantsi ngenxa yokuba akukho mngcipheko, kwaye ezo ntlawulo zifumaneka kuwo wonke umntu. Utyalo-mali lukhula luquka umngcipheko; Ukwamkela umngcipheko yintlawulo ohlawulayo ukuba unokufumana imali ephezulu kunokuba ungene njani utyalo-mali olukhuselekileyo. Gxininisa ekunqumeni ukuba ukulawula amanqanaba obungozi kubaluleke ngaphezu kokubuya okuphezulu. Zonke iimali-mali zinomngcipheko, kwaye kufuneka ukwazi ukuba yintoni umngcipheko ngaphambi kokuba wenze imali yakho.
5. Yenza isicwangciso soTyalo-mali
Esikhundleni sokuqhawulwa kwedayisi, ngaphambi kokuba wenze isigqibo sokuba wenze ntoni ngemali yakho, yenza isicwangciso-mali , uze ulandele. Abantu abaceba ukusilela, bahluleka ukucwangcisa. Abatyalomali abaphumelelayo balandela inkqubo eqeqeshwe, kwaye bayamathela kuyo. Isicwangciso sotyalo-mali sinceda ulungelelanise utyalo-mali owukhethayo ngenjongo yazo.
6. Gwema utyalo-mali
Kukho imigaqo embalwa elula ongayilandela ukukhupha imali ecacileyo kunye nezigqibo ezibophelelayo. Funda kwaye uwasebenzise. Okona kubaluleke kakhulu, khumbula, ukuba kulungile ukuba kunyanisekileyo ukuba yinyani, kunjalo.
7. Hlala utywala i-Investment Hooks
Njalo xa ndibona "i-Hot Stocks" okanye uluhlu oluthile lweeNgxowa, ndithintela. Abaphandi baphindela emuva baze balandelele ukubuyiswa kwezi ntlawulo "ezilungileyo kakhulu" zifumana.
Iziphumo zabo zibonisa ukuba uza kwenza ngcono ukuthenga ingxowa-mali yenkcazo elandelela ukusebenza komlinganiselo wayo.
8. Fumana Iingcebiso Xa Uyazifuna
Emva kokuba ulandele amanyathelo angentla, kufuneka ube nombono ongcono ngakumbi wento omele uyenze ngayo ngemali yakho. Ukuba awukwazi, cinga ukuthetha nomcebisi wezezimali oza kukucela ukuba uchaze imibuzo malunga neenjongo kunye neenjongo zakho kwaye ubeke isicwangciso sotyalo-mali kuwe.
Igama lokulumkisa: ukuba ufuna iingcebiso zobuchwepheshe uze uhambe umbuzo othi "Yintoni endiyenzayo ngemali yam" kufana nokuhamba ekhemisi kwaye ndibuze "Hayi, luhlobo luni lonyango endiyithengayo?" Yintoni enhle xa unesifo sekhanda? Ukuba umntu unika iingcebiso ngaphandle kokufunda ngawe, qaphela. Basenokuthabatha isiraphu yokukhwehlela kuba yiyo yonke into ekufuneka bayithengise, kungekhona kuba yilokho okufunekayo.