Kusunga ndalama ndi zomwe Generation Z sizimasamala nazo. Malipiro amoyo kupita ku malipiro asanduka chizolowezi chomwe sichingasinthidwe.
Mmodzi wa olembetsa anga kuchokera pamndandanda wandalama adandifunsa funso, koma izi zisanachitike, adandiuza izi:
"Moni Aayush, ndikupeza ndalama zodzipangira ndekha zaka 2 zapitazi. Malipiro apakati mwezi uliwonse ndi $1800.
Komabe, ndilibe chilichonse choti nditchule ndalama kapena ndalama. Funso langa kwa inu ndilakuti, munthu angasunge bwanji ndalama ngati wazaka 24 wangotuluka kumene ku koleji kuti azipeza ndalama zodzipangira okha?
Tsopano limenelo ndi funso lochititsa chidwi. Ngati mungafune kundifunsa funso, nanunso, pitani ku mndandanda wamakalata anga. Mudzalandira nyuzipepala ya sabata limodzi ndi kuitanidwa kuti mudzandifunse funso sabata iliyonse.
Upangiri Wosunga Ndalama Kwa Aliyense Wazaka Zawo za 20.
Vuto lalikulu la Generation Z ndi kukakamizidwa ndi anzawo. Mukakhala wachinyamata kusukulu yasekondale kapena munthu watsopano ku koleji, kukakamizidwa ndi anzanu kuli paliponse.
Choyamba, chotsani maganizo oti musonyeze mmene mukupezera posintha zinthu zakuthupi. Simukuyenera kugula zovala zodula, mawotchi, masukulu apamwamba, ndi zina zonse kuti muwonetsetse kuti ndinu olemera.
Ndinu olemera, ndipo mukudziwa. Ndizo zonse zomwe zikufunika.
Iwalani za dziko. Khalani moyo wanu momwe mukufunira. Ndipo ngati izo zikutanthauza kuti mukufunadi kugula zinthu zapamwamba, mwa njira zonse, teroni. Koma musawachitire ena.
Malingaliro awa okha adzakupulumutsirani mazana a madola mwezi uliwonse.
Pangani Bajeti
Ili ndi gawo lanu loyamba kuti muwonjezere ndalama zomwe mwasunga kwambiri.
Mukapanga bajeti, mumadziwa bwino kuchuluka kwa ndalama zomwe mukupanga komanso ndalama zomwe mugwiritse ntchito, kuyika ndalama ndikusiya mu akaunti yanu yosungira.
Kupanga bajeti ndikofunikira chifukwa palibe njira ina yomwe mungayankhire nokha. Muyenera kuwona kuchuluka kwa ndalama zomwe zikubwera ndikutuluka kuti muzindikire mukawononga ndalama.
Miyezi iwiri yoyambirira yopangira bajeti ndikutsata ndondomeko yanu ya bajeti ikuwonetsani komwe ndalama zanu zambiri zikupita. Ndipo pokhapo mungathe kuchitapo kanthu pamadera omwe mukuwononga ndalama zambiri.
Mudzatha kupeza zochita zambiri zomwe zikanapewedwa. Ndalama zonse zomwe mumawononga pazinthu zomwe simuyenera kukukakamizani kuti musamawononge ndalama.
Chitani izi kwa miyezi 6, ndipo mudzasunga ndalama zambiri poyendetsa ndege. Chifukwa mudzapewa kugula zinthu, zomwe simukuzifuna ndipo mutha kukhala nazo. Ndalama zonsezo zidzangowonjezera mu akaunti yanu yosungira.
Try Wallet App ndi BudgetBakers. Ndi pulogalamu yabwino yoyendetsera ndalama yomwe imalumikizana ndi akaunti yanu yakubanki ndikukulolani kuti muzingoyang'anira ndalama zomwe mumapeza komanso zomwe mumawononga. Zimasiyanitsanso zomwe mukuchita mumagulu a "Kufuna," "Zofunikira," ndi "Must".
Ndi pulogalamu yabwino, ndipo ndimagwiritsa ntchito ndekha pamodzi ndi pulogalamu ya mlongo wake, Board, pamabizinesi anga.
Dziwani Zomwe Muyenera Kukhala Nazo, Zosowa Zitha Kudikirira. Zofuna ndi NO-NO.
Zonse zomwe mumagula zitha kugawidwa m'magulu atatu:
- amafunika
- Ndikufuna
- ayenela
Pamene cholinga chanu chokha ndikusunga ndalama zambiri momwe mungathere zomwe muyenera kuyang'ana ndikukwaniritsa "Musts" zanu. Izonso zotsika mtengo momwe zingathere. China chirichonse chikhoza kudikira.
Zosowa zanu ndi ngongole zapakhomo zomwe zimabwerezedwa ndi ndalama zina zofunika zomwe sizinganyalanyazidwe. Monga kulipira msonkho, inshuwalansi, ndi ndalama za koleji.
Mukayamba kukhala ndi moyo wosawononga ndalama zambiri, m’pamenenso kudzakhala kosavuta kugwiritsa ntchito bwino ndalama zanu. Kukhala wosamala sikutanthauza kukhala wotchipa.
Werengani momwe mungasungire ndalama popanda kutsika mtengo.
Zimangotanthauza kugwiritsa ntchito ndalama pazinthu zomwe mukufuna, ndikupeza njira zochitira zimenezi pamtengo wotsika mtengo.
Monga kukambilana za renti. Mutha kuyesa kulankhula ndi munthu kuti achepetse mtengo wake, chifukwa chiyani?
Dziwani zomwe "Mukufuna" ndikuzinyalanyaza kwathunthu. Musalole kuti maganizo anu akulamulireni.
Mukaganiza kuti mukukopeka ndi lingaliro logula chinthu ndipo mukudziwa kuti ndi gulu la "Kufuna", tangonenani, "Ndigula mawa" kapena ndidzichitira nokha.
Nthawi zambiri, chilakolako chogula chinthucho chimatha.
Lekani Kupita ku Starbucks
Chabwino, osati kwenikweni.
Ndizodziwikiratu, koma lingaliro lofunikira ndikusiya kupita kumalo ndikugula zinthu zomwe mukudziwa kuti mukuwononga ndalama.
Starbucks ndi chitsanzo chapamwamba. Mtengo wapakati wachakumwa ku Starbucks ndi $3. Zakumwa zina monga Frappuccino zimawononga ndalama zoposa $ 4!
Ndi zopusa. Chifukwa chiyani mumawononga ndalama zambiri pa chinthu chomwe mukudziwa kuti mungapeze pamtengo wotsika kwambiri?
Chizolowezi cholipira khofi ya Starbucks chimadutsa mbali zingapo za moyo wathu. Sitiganiza tisanagwiritse ntchito ndalama pa chilichonse chimene chasanduka mbali ya moyo wathu, kaya chabwino kapena choipa.
Starbucks ndi chitsanzo chimodzi chokha. Kulipira Uber ndi chinanso. Anthu amakhala ndi chizolowezi chogwiritsa ntchito ndalama chifukwa amamasuka ndi ntchito kapena chinthu mosazindikira.
Nthawi zonse mukamagwiritsa ntchito Uber, simuganizira kuchuluka kwa ndalama zomwe mumawononga chifukwa zilibe kanthu. Zimapangitsa moyo wanu kukhala wosavuta, kapena mukuganiza kuti zimatero.
Mutha kupulumutsa osagwiritsa ntchito, komanso kutenga njira zoyendera anthu. Zingatenge nthawi yowonjezerapo, koma ayi, Uber ili.
Ndipo ndikumvetsa.
Anthu ena sangakwanitse. Amaona kuti nthawi ndi chitonthozo chawo n’chofunika kuposa ndalama.
Koma ngati mungathe ndipo ngati mungathe, mumasunga madola mazana angapo mwezi uliwonse.
Osachita Zonse Chifukwa cha Banja Lanu
Nthawi zambiri mukamaliza maphunziro anu ndikupeza ntchito yanu yoyamba, kapena kuyambitsa bizinesi yomwe imayamba kupanga phindu kapena ngati iye, yambani ntchito yodzichitira nokha ndikulipidwa, mungafune kupita kukagula achibale anu.
Ndipo izo ndi zachibadwa, kulondola. Mumachita zimenezi chifukwa cha chikondi, kusonyeza kuyamikira banja lanu lamtengo wapatali. Kupatula apo, ndiwe zomwe uli gawo chifukwa cha iwo.
Chifukwa chake ndikwabwino kugwiritsa ntchito ndalama zonse ndikusamalira banja lanu - kamodzi. Mwina kawiri.
Koma musalole izo kukhala chizolowezi. Makamaka chifukwa muli ndi zaka za m'ma 20 ndipo mudzayesedwa kuti muzichita nthawi ndi nthawi. Chifukwa ndizosangalatsa kwambiri.
Komabe, simuyenera kupita "Zonse Zatuluka" konse. Gwiritsani ntchito ndalama pang'ono pa zodzikongoletsera zabwino kapena tchuthi chabanja chatsopano ndichabwino.
Musamangotengeka ndi kupitiriza kupopa ndalama pa chilichonse chimene banja lanu likufuna.
Anthu osiyanasiyana ali ndi zolinga zosiyana. Mchimwene wanu akhoza kufuna chinachake, apo ayi mlongo wanu chinachake. Simungathe kukwaniritsa chilichonse chomwe mukufuna mpaka mutafika pomwe muli ndi mbiri yabwino, ndalama zomwe zimabwerezedwa mobwerezabwereza, ngongole ziro ndikukwaniritsa zomwe mukufuna kuchita bizinesi kapena ntchito.
Mwayi wa ntchito kwa ambiri ofuna ntchito samadikirira motalika kwambiri. Muyenera kupanga zosankha zikafika ndikukonzekera. Zomwezo zimapitanso mwayi wamabizinesi. Zikafika muyenera ndalama kuti mugwiritse ntchito udindo wanu.
Mtsutso wanga mpaka mutakwaniritsa zolinga zanu zantchito ndi maloto abizinesi, china chilichonse chikhoza kudikirira.
Simukuwachitira zoipa makolo anu. Mukungochedwetsa chisangalalo ndikuchikulitsa.
Ndipo adzakhala osangalala kwambiri mukapeza bata lazachuma ndikukwaniritsa maloto anu.
Ngati pazifukwa zilizonse banja lanu likufuna zambiri, sakukondwera ndi lingaliro lanu la kusunga, amakwiya mukamachedwetsa tchuthi kapena kukana kugula "Kufuna" - tulukani. Ndichoncho.
Sindikunena kuti muwasiye, koma ingochokapo ndikudzitalikitsa. Lolani kuti maganizo anu apume pang'ono. Lolani banja lanu kudziwa momwe mulili wovuta ndi bizinesi yanu ndi ntchito yanu.
Mutakhazikitsa zonse mu dongosolo loyenera ndipo mutha kulipira chilichonse chomwe angapemphe, aloleni alowe.
Ngati ndinu odala kukhala ndi banja lomwe limamvetsetsa zanu, kanda chilichonse pamwamba. Simufunikanso malangizo anga.
Pangani Cholinga
Kupanga cholinga ndikofunikira kuti mukwaniritse. Ngati mulibe cholinga, mulibe chilichonse choti mukwaniritse.
Khalani ndi cholinga cha kuchuluka kwa ndalama zomwe mukufuna kusunga pofika zaka 30, 40, ndi 50 zakubadwa.
Ikani cholinga chimenecho pamalo ena pomwe mungachiwone tsiku lililonse. Kuti mupitirize kukumbutsidwa momwe dola iliyonse yomwe mumagwiritsira ntchito idzakhudzira cholinga. Mwina kuchedwa kukwaniritsa.
Posakhalitsa mudzachotsa kugula konyansa ndikuyamba kuganizira za nthawi yayitali.
Zolinga zimayenera kukhala zazitali komanso ngati mapiri. Osapanga cholinga chaching'ono chomwe mukudziwa kuti mutha kuchikwaniritsa popanda kuphwanya zomwe mukugwiritsa ntchito.
Pangani zolinga zomwe zikuwoneka zovuta kuzikwaniritsa, ndikuzitsatira.
Yambitsani SIPs, Koma Osayang'ana
SIP ndi zosangalatsa. Ndiwo njira yosavuta yopangira chuma chomwe mungasangalale nacho zaka makumi anayi. Ndiko kuti ngati ndinu anzeru mokwanira kusiya kuyang'ana ndalama zonse mitengo sabata iliyonse.
Ma SIP amayenera kukhazikitsa ndikuyiwala. Kusanthula kwa mwezi ndi mwezi ndikokwanira kuzindikira ngati kukhalabe ndi ndalama kapena ndalama. Mutual fund SIPs imakuthandizani kuti mukhale ndi chuma chambiri ngati mukhala ndi ndalama zosachepera zaka 10 powonjezera ndalama zanu.
Ndalama za Equity zikuyembekezeka kupereka chiwongola dzanja chopitilira 18% pazaka 10 zikubwerazi. Ndalama zangongole zapereka chiwongola dzanja cha 7-8.5%.
Mukayika ndalama zangongole, simuyenera kuda nkhawa ndi kuchuluka kwa ndalama kapena ndalama. Mutha kutsuka nthawi iliyonse yomwe mukufuna, koma ndi malire.
Sungani ma SIP anu akugwira ntchito ndipo musawayang'anire ngati khwawa. Simukuyenera kutero. Ikani 15k pamwezi ndikuyiwala sizovuta monga momwe mungaganizire.
Sinthani Ndalama Zanu
Sinthani zonse zikafika pazosunga zanu ndi mabizinesi.
Tsopano muli ndi mwayi wosankha kuti mupange ndalama mu stock. Pogwiritsa ntchito Zerodha, mutha kukhazikitsa udindo wopezera ndalama ku akaunti yanu ya Zerodha Demat. Mutha kukhazikitsa SIP popanga mabasiketi omwe amangogwiritsa ntchito tsiku lomwe mwasankha.
Sinthani zonse zomwe mungathe. Khazikitsani SIPs for Mutual Funds, stocks, NPS (Tier 2 ngati mukufuna liquidity) ndi NPS pompano.
Osasunga ndalama zopitilira chaka chimodzi pa akaunti yanu yosungira. Ndipo ngati mutero, pangani akaunti yosungira ndalama kapena gwiritsani ntchito Linked FD yoperekedwa ndi Mabanki monga ICICI ndi Kotak Mahindra kuti mupeze chiwongoladzanja chowonjezera cha 1 -2% pa ndalama zomwe mwasunga.
Ngati ndinu munthu wodziwa zaukadaulo, gwiritsani ntchito 2% ya ndalama zanu kuti mugule ma cryptocurrencies omwe mumakonda. Ndikupangira ngati simukufuna kutenga chiopsezo chachikulu, kuyika ndalama ku Bitcoin, Ethereum ndi Cardano kungakhale kopambana.
Koma khalani mbali ya kusinthaku. Ngakhale atakhala kuwira, mudzatha kupanga ndalama. Ndipo popeza mukhala mukungogulitsa 2% ya ndalama zanu, ndani amasamala ngati zonse zitaphulika fumbi?
Pewani Ma Kirediti Angapo Angongole
Ndikupangira kupewa angapo makhadi muzaka zoyambirira za m'ma 20. Ndiwe wabwino kwambiri ndi imodzi chifukwa chomanga a ngongole.
Kupatula apo, simuyenera kugwiritsa ntchito ngongole pa chilichonse.
Ma kirediti kadi ndi njira yabwino yowonongera ndalama mukamalandira mphotho. Komabe, mabanki ngati ICICI amakulolani kuti mupeze chiwongola dzanja chofanana cha mphotho mukamagwiritsa ntchito kirediti kadi poyerekeza ndi makhadi angongole oyambira, mwachitsanzo, Coral Credit Card.
Chifukwa chake palibe chifukwa chachikulu chogwiritsira ntchito kirediti kadi m'malo mwa kirediti kadi. Ingowonongani 5% yamalireni anu angongole mwezi uliwonse kuti musunge ngongole yanu yapamwamba.
Khadi limodzi langongole ndi lokwanira kupanga ngongole yabwino. Onetsetsani kuti khadi lanu loyamba la ngongole likugwira ntchito kwa nthawi yayitali.
Werengani zambiri za Personal Finance
Werengani zambiri. Ngakhale mutawerenga mabuku 10 okhudza zachuma, werengani zambiri.
Pitirizani kuphunzira zambiri za momwe mungagwiritsire ntchito ndalama popanda kukhala kapolo wake.
Siyani kuwerenga mabuku monga "Rich Dad Poor Dad" ndi "Think and Grow Rich". Osawerengeka omwe amatchedwa ochita bwino pa intaneti amatchula mabuku awiriwa komanso momwe adasinthira moyo wawo.
Koma musagule.
Pewani ngongole zilizonse. Palibe ngongole yabwino kapena ngongole yoyipa. Simufunikanso kupsinjika pakulipira magawo muzaka za m'ma 20s. Pamene wina akunena kuti ndi gawo lachisokonezo, kuchoka kumalo otonthoza ndi blah blah blah, kumwetulira, mvetserani ndipo musachite. Ndi zophweka choncho.
Pokhapokha ngati mukufunikiradi, monga pogula nyumba, musaganize nkomwe.
Ndikufuna kuyamba ndi "Wogulitsa Zamaganizo” ndipo kumbukirani mfundo zotchulidwa m’bukuli monga maziko anu.
Ndikupangiranso kuwerenga “Coffee Itha Kuyikapo Ndalama”, "Njira ya Warren Buffet” ndi “Ndidzakuphunzitsani Kukhala Wolemera” ndi Ramit Sethi. Sindimagwirizana ndi pafupifupi 60% ya zomwe Ramit akunena m'buku lake, monga kugula khofi ya $ 4 tsiku lililonse, koma ali ndi luso lapadera pofotokozera makina komanso kufunika kogwiritsa ntchito ndalama zopanda mlandu.
Chitanipo kanthu. Werengani lililonse la mabuku anayiwa kenako werengani Think and Grow Rich or Rich Dad Poor Dad.
Mumvetsetsa chifukwa chomwe ndimadana ndi mabuku ngati Rich Dad Poor Dad.
Ndizo zonse za uyu.
Ndikukhulupirira kuti mwapeza njira imodzi kapena ziwiri zomwe mungagwiritse ntchito kuti musunge ndalama zambiri chaka chino.
Siyani Mumakonda