Elona gama elithi iTyala livusa uloyiko oluxubeneyo lweemvakalelo kuninzi lwethu. Umjikelo oqhubekayo wamatyala unokukufaka engxakini yokwenene. Inokukhupha kuwe uxolo lwakho lwengqondo kunye nempilo entle.
Okubuhlungu kukuba, uninzi lwethu alukwazi ukusebenzisana namatyala kwaye abanye bade bathabathe amanyathelo angqongqo xa bengakwazi ukunyamezela ukuba sematyaleni.
Kodwa masiyiqonde le nto. Ityala ngokwalo alibi kakhulu njengoko sisenza kulo. Abantu bathabatha amatyala ukuze batshate nabantwana babo. Sisoloko sithatha amatyala endlu kunye namatyala ezifundo eziphakamileyo.
Ityala linokusindisa ubomi xa lisetyenziselwa iinjongo ezinjengokuhlawula amatyala otyando kunye namatyala kagqirha.
Ngoko ayilotyala lona ngokwalo elingumgibe, kukungakwazi ukuhlawula ityala ngexesha elibi.
Kutheni le nto iTyala kunzima ukulihlawulela abantu abaninzi?
Ngoku umbuzo ngulo, yintoni eyenza kube nzima ukuhlawula ityala? Kutheni abantu abaninzi kangaka bephila ngamatyala iminyaka kunye neminyaka kunye?
Kambe ke, xa sithetha ngokuhlawulwa kwetyala, isixa setyala esilibolekileyo nomvuzo wethu yimibandela enzulu ekufuneka iqwalaselwe. Makhe ndichaze ngomzekelo.
Masithi ubunemeko yonyango olungxamisekileyo, kwaye bekufuneka uboleke imali ye-Rs 5 lacs. Ezinye ubuziboleka kwizalamane, ezinye ebhankini, ukanti ezinye uziboleka ngokubambisa ngepropati okanye ngezinto ezifana negolide.
Ngoku, umvuzo wakho wenyanga yi-Rs. 60,000, kwaye uthatha isigqibo sokunciphisa ezinye iindleko nyanga zonke ukuze uhlawule ityala. Amathuba kukuba awuzukuba namatyala kwiminyaka embalwa ukuba uyahambelana nokuhlawula ityala.
Kodwa makhe siqwalasele isixa-mali setyala elifanayo kunye nomvuzo we-Rs. 20,000 ngenyanga. Ukuhlawula ityala ngomvuzo ophantsi wenyanga kuba nzima.
Ngoku, ndiza kukuxelela indlela yokuhlawula amatyala akho xa unomvuzo ophantsi.
Kwaye kutheni kufuneka uphulaphule iindlela zam zokuhlawula amatyala?
Ezi ndlela zonke zizanyiwe kwaye zivavanyiwe ebendizisebenzisa ukuhlawula amatyala am angaphezulu kwe-2 lacs, kwaye oko nako kumcimbi wonyaka, kunye nomvuzo ophantsi ozinzileyo.
Ndamangaliswa?
Ngaba uyathandabuza?
Ewe, funda ukuze ufunde ukuhlawula amatyala ngokukhawuleza ngomvuzo ophantsi, kwaye ngaphandle kokubeka esichengeni impilo yakho yengqondo ngokwenza njalo.
Hlalutya imeko yetyala
Inyathelo lokuqala kukuthatha ixesha elithile, uhlale phantsi nepeni nephepha kunye nekhaltyhuleyitha kwaye uhlalutye ukuba ungakanani na enzulwini**t okuyo ngokuthatha loo mali uyibolekiweyo.
Bala inzala kunye nemali emiselweyo ekufuneka uyihlawule nyanga nganye okanye ngekota.
Kwaye emva koko ufumane iimpendulo kule mibuzo ilandelayo ngokubhekisa kumaphepha akho emali-mboleko (yemali-mboleko ethatyathwe kumaziko emali) :
- Ukuba ndinomda wokuhlawula imali-mboleko ngokukhawuleza ngaba ibhanki/iziko lezemali liya kuyamkela okanye ngaba bane-ajenda efihlakeleyo yokuqhubeka nokuthatha inzala?
- Ingaba izinga lam lenzala liya kutshintsha ukuba ndenza intlawulo enkulu ngenyanga nganye?
- Ndingalinciphisa njani ixesha lokuhlawula imali-mboleko ngaphandle kokufumana iintlawulo ezongezelelweyo?
Masiqonde ukuba injongo yethu yokubuza le mibuzo inye kuphela - sifuna ukuhlawula ityala ngokukhawuleza.
Amaziko emali ahlala ene-ajenda efihlakeleyo apho abiza inzala ephezulu kwiintlawulo eziyinxalenye okanye iintlawulo ezinkulu zexesha elinye. Khangela iintlawulo ezifihliweyo, kwakhona.
Fumana ummeli kwiziko lezemali ukuze acacise imibuzo yakho malunga nokuhlawulwa kwamatyala.
Yonke into esehlabathini namhlanje iyaguquguquka kubandakanya umvuzo wethu kunye nokukwazi ukufumana umvuzo. Kungcono ukubonelela ngeentlawulo zetyala kwangethuba ngamaxesha anjalo atshintshayo.
Ukuncitshiswa kweendleko kwiiNdleko zeNyanga eziyimfuneko
Ngoku, oku kunzima. Iimfuno zethu zenyanga zezo apho ukuthotywa kweendleko kunokuchaphazela ngokuthe ngqo umgangatho wokuphila. Kodwa akunakwenzeka ukuba gcina imali ukusuka kwiindleko ezinxulumene neemfuno zethu ezisisiseko.
Ungakuqaphela kancinci ukusebenzisa kwakho umbane kunye negesi. Incinci ihamba indlela ende. Usenokuqaphela nokuchitha ukutya okumbalwa. Xa sichitha ngaphantsi, sifuna ngaphantsi.
Kwakhona, zama ukubona enoba ngandlel’ ithile unokunciphisa iindleko zokuhamba. Endaweni yokuvuka emva kwexesha uhambe ngeteksi xa usiya emsebenzini, ungavuka kwangethuba uthathe isithuthi sikawonke-wonke.
Isilumkiso: Musa ukugqitha elwandle kwaye uzame ukucudisa ukonga kuzo zonke iindleko ezisisiseko. Ugcino olusuka iindleko zenyanga ingasinceda ukuba sihlawule ngokukhawuleza imali-mboleko kodwa ayinakuba yiyo kuphela indlela yokonga enokunceda ukuhlawula ityala.
Yehlisa Iindleko ezingeyomfuneko
Maxa wambi, singaqondanga, siqhubeka sihlawula okanye sithenga izinto ezininzi esingazidingiyo okanye esingazisebenzisiyo.
Umzekelo, unokuba noqhagamshelo lwentambo ekhaya, kodwa awufumani xesha lokubukela iTV. Xa ufuna ukwazi malunga nesiqwenga seendaba, iYouTube yindawo oya kuyo. Kwiimeko ezinjalo, unokuthi ndlela ntle kwiindleko zenyanga zentambo.
Khangela, zithini iindleko zakho ezingeyomfuneko? Ngaba lolo mrhumo kwiNetflix? Okanye uhambo olungeyomfuneko kwi-salon? Mhlawumbi, ukukhotyokiswa licuba okukubiza amawakawaka (singasathethi ke ngomphumo kwimpilo yakho)?
Ngaba uthenga kwi-tiffin ngaphandle endaweni yokusa ukutya okwenziwa ekhaya eofisini?
Chonga iindleko zakho ezingeyomfuneko, kwaye unciphise ezo. Emva koko ungasebenzisa izixa ezigciniweyo ekuhlawuleni ityala. Ngokwe-avareji, ungagcina malunga ne-Rs. 800–2000+ nje ngokunciphisa iindleko ezingeyomfuneko.
I-20% yomvuzo wakho wokuHlawula iTyala
Umthetho odumileyo we-50-30-20 uchaza ukuba kufuneka ugcine i-20% yengeniso yakho emva kwerhafu yokuhlawula amatyala. Lo ngumthetho obalaseleyo onokuthi uqwalaselwe ngelixa uthatha amatyala kumaziko emali anetyala lenyanga + lomjikelo wokuhlawula inzala.
Ukuba umvuzo wakho wenyanga yi-Rs. I-20,000 emva kokutsalwa kweRhafu kunye ne-PF, kufuneka uhlawule i-20% ye-Rs. 20,000 okt. 2000 ngoko nangoko kwintlawulo yetyala qho ngenyanga.
Uzifungele ukuba soze uphinde ubesematyaleni? Funda iingcebiso ezipholileyo zokugcina imali apha.
Thumela iminqweno yakho
Xa sinetyala, eyona nto iphambili kuthi ifanele ibe kukuhlawula ityala.
Ukuhlehliswa kweemfuno kunokunceda ekuhlawuleni ngokukhawuleza.
Yithi ifriji yakho indala, kwaye uceba ukuyithenga. Yimise loo nto ngamaxesha angenatyala.
Xa usematyaleni, yenza isilogeni esithi “recycle-reuse-reduce” mantra yakho. Uninzi lwezinto ozithatha njengezibalulekile zinokuhlehliswa kwixesha apho ungatyala mali nakubani na.
Nciphisa imibhiyozo
Uneminyaka ubhiyozela usuku lwakho lokuzalwa, umhla wokuzalwa weqabane lakho kunye nabantwana, ngamanye amaxesha nangokudlula ngaphaya kwamandla akho. Umeme abantu waza wabondla ngovuyo olukhulu.
Kodwa izinto zitshintshile kancinci, kwaye ngoku usematyaleni. Yeka ukucwangcisa imibhiyozo ngoku. Ungakwenza oko kamva xa ungenatyala.
Sidla ngokuba neemvakalelo zokungakwazi ukwabelana nabanye ngolonwabo lwethu. Ukuba lusuku lokuzalwa lomntwana wakho, ufuna abanye abantwana abali-10 kunye neentsapho zabo ukuba beze bazonwabele.
Kodwa qwalasela oku - yonke imibhiyozo luxinzelelo olongezelelweyo kwiindleko. Ukuba unokugcina imali ngokubhiyozela ngokuthobekileyo, unokuhlawula ityala lakho ngokukhawuleza, kwaye uqale ukucwangcisa umbhiyozo omkhulu olandelayo okanye olandelayo kunyaka ozayo!
Ngoko nciphisa imibhiyozo eqhubekayo okanye uyichithe ngeendlela ezilula. Beka phambili ukuhlawula amatyala phezu kobukhazikhazi kunye nomboniso.
Ukuhlehlisa iziCwangciso zeKhenketho
Mna ngokwam, ndivakalelwa kukuba iiholide zifana neziqholo zodidi oluphezulu. Xa uthenga iperfume yexabiso eliphezulu, uyayifaka kuwe, unuka kamnandi, uziva kamnandi. Kodwa iba ngumphunga emva kweeyure ezimbalwa.
Iiholide zinjalo. Iiholide zilungile ukuvuselela. Nangona kunjalo ndixelele, ngaba ngokwenene unokuvuselela ngomthwalo wemali kuwe?
Iholide iba kukubaleka ngoko, kwaye ukubaleka akuzange kube sisisombululo kuyo nayiphi na ingxaki, iingxaki zemali zibandakanyiwe.
Ngoko ke makube kuhle ukuya eGoa, eManali, okanye kunxweme lwasekuhlaleni olukumgama weekhilomitha ezilikhulu. Endaweni yoko, sebenzisa imali yakho yeholide ukuhlawula amatyala, kwaye ufumane uxolo lwengqondo oluphakamileyo kunokuba ukubukela amaza olwandle kunokukunika.
Fumana iSide Hustle
Le yenye yezona ndlela zingenabudenge nezinamandla zokoyisa amatyala ngokukhawuleza, kwaye ngaphandle kokuchaphazela indlela ophila ngayo ngoku.
Kanye njengokuba unokuba sisityebi ngokurhola hayi nje ukonga, unokufumana ukukhulula amatyala ngokukhawuleza ngokuzibandakanya kwigigi esecaleni
- uyakuhlawula
- yongeza kulwazi lwakho
- ikugcina uxakekile kwaye ungenaxhala
- iyanelisa uthando lwakho lomsebenzi wokudala
Nokuba kunokwenzeka ukuba uzifumanele umsebenzi wesingxungxo, unokwenza ngokulula amawaka ambalwa e-rupee ngenyanga ngokusebenza ngeempelaveki nangexesha lakho lokuphumla emva komsebenzi.
Igigi esecaleni okanye umsebenzi wesingxungxo unokuba luncedo kakhulu ekuhlawuleni amatyala. Le ibiyeyona ndlela iphambili endinokuthi ngayo ndiyihlawule ngokukhawuleza imali-mboleko yam ngaphandle kokuchaphazela kakhulu indlela endiphila ngayo ngoku.
Kwaye ukuba ndiyakwazi, nawe unako. Jonga ezi gigs ezipholileyo onokuthi uzithathe. Sikhethe eyona misebenzi isi-7 inokwenzeka onokuthi uyithathe emva komsebenzi. Yifunde ukuze wazi ukuba sesiphi isakhono esikufaneleyo, kwaye ungasifunda phi kwaye uqale ukufumana umvuzo.
Sukuba nexhala – Ityala lakho nalo liya kudlula!
Ngokufanelekileyo, eli bekufanele ukuba licandelo lokuqala lengcebiso esebenzayo kum, kodwa bendifuna ukuqala ngenqaku lepragmatic ngakumbi.
Kukho intetho yesiTaliyane edume kakhulu endiyithanda ngokupheleleyo; ithi, “ "Ikhulu leenqola zeengcinga aziyi kuhlawula nalinye ityala."
Ngokufuthi sithatha ukuxhalaba njengelungelo lokuzalwa. Sifumana izinto zokukhathazeka xa zingekho. Yaye ukuba sinetyala esimele sizikhathaze ngalo, sikufumanisa kulula ukuba ngamaxhala angapheliyo.
Kodwa into ekufuneka sibe yiyo ligorha lokulwa nokuxhalaba, ngakumbi amatyala. Ukuba sibeka iingqondo zethu ekuzikhathazeni nasekucingeni ngendawo eya kuvela kuyo yonke imali, siya kuphoswa ngamathuba ubomi businika wona njengezicombululo zeengxaki zethu.
Zigcine upholile, kwaye ujonge ingeniso eyongezelelweyo ngelixa ugcina enye kumvuzo wakho. Ukungaguquguquki ekuhlawuleni nyanga zonke ngundoqo kwintlawulo yetyala eliyimpumelelo. Eyona ndlela isengcono kukuphepha amatyala.
Qala utyalo, qalisa ukulondoloza ukususela emncinci, kwaye uhlale ukhuselekile kubuhlanya bokuthenga; awusoze uphinde ubesematyaleni!
Ulifumene njani ityala lakho? Sazise.
Shiya iMpendulo