Ukuba uqwalasela ngononophelo indlela yokuziphatha kwabantu abakungqongileyo, uya kuqaphela ukuba abantu ngokubanzi bawela kwiindidi ezimbini ezibanzi: I-Frugal kunye ne-Spendthrift.
Ewe, uya kufumana abo balungeleleneyo. Abantu abagcinayo nabachithayo, baninzi kwaye banesisa ngaxeshanye. Sibajonga abantu abanjalo ngoloyiko kwaye siyazibuza ukuba bawubetha njani lo lungelelwano.
Ke aba bantu bachitha njani kwaye balondoloze kwaye bangabonakali njani ngexabiso eliphantsi?
I-mantra isekudaleni ulungelelwaniso olugqibeleleyo. Yindlela esilungelelanisa ngayo ukonga kunye neendleko ezisenza sibe yintabalala ngeyona ndlela.
Ukugcina nokuTyila okanye Ukugcina vs Ukuchitha?
Makhe singene kwingqondo ye-spendthrift. Izinto zokuqala ezifika ezingqondweni zabo xa befumana umvuzo wabo zi -
– Yintoni oza kuchitha kuyo
– Yintoni elandelayo ukuthenga
– Zithini iimfuno zam ngoku
Ngaphandle kokuqwalasela, nantoni na, ukugcina i-dime kwikamva, i-spethrifts yinto eyonwabileyo-yokuhamba-nethamsanqa. Kodwa loo nto ide iphele umvuzo, nto leyo emalunga neentsuku ezili-10 ukususela kusuku abawufumana ngalo.
Kuyo yonke le nyanga, aba bantu baphila njengamahlwempu kwiimali ezincinci ezifunyenwe kumalungu osapho kunye nabahlobo. Igama elithi 'ukugcina' mhlawumbi licebo lekamva okanye ingcamango enyanyekayo kubo.
Iqela elilandelayo - i-frugals, lichasene nehlabathi. Aba bantu basoloko bejonge izivumelwano, ezona zivumelwano zinexabiso eliphantsi eziya kubagcinela irandi.
Bazama yonke into kwaye babeke ubomi babo kwithuba elizayo lobutyebi. Ngokwemvelo, elo xesha alize lifike, ekubeni ubutyebi sisimo sengqondo esingakumbi kunesoqobo sokwenyama.
I-frugals ngaba bahluphekileyo engqondweni, nokuba banomvuzo we-6. Ingqondo yomntu osweleyo ijikeleza-
– Ugcino
– Ukonga kwiindleko ezikhoyo
– Ugcino kubomi bexesha elizayo
Uyonga Njani Imali Ngaphandle Kokuba Ngexabiso eliphantsi
Akukho didi luphezulu okanye olungaphantsi kunolunye. Abaqhekezi badla ngokubajongela phantsi abo bamoshayo, kodwa xa imali yabo iphelile, bafika kwabo batshoneyo ukuze bafumane amatyala okuphela kwenyanga.
Ndingathanda ukubeka i-disclaimer apha yokuba i-generalizations yam yileyo nje-ukwenziwa ngokubanzi. Akukho nto ijoliswe kulo naliphi na iqela labantu.
Nceda uthathe i-generalizations yam ngetyuwa encinci, kwaye undazise ukuba uyavumelana okanye awuvumelani nabo, ngaphandle kokuba ngumgxeki okanye umgxeki.
Mna ngokwam ndikhe ndatyhubela imiba egqithileyo yokuchitha imali kunye nokonga. Ndikhumbula ngakumbi iinyanga zam zangaphambi kwe-Durga Puja apho ndiza kugcina njenge-miser ukuze ndichithe ngezandla ezivulekileyo ngexesha lePuja ne-Diwali, endiyenzileyo.
Emva kukaDiwali, ndingasala ndingenanto yokuzixhasa de kufike umvuzo olandelayo.
Kodwa ndikhule ukusukela kwiminyaka yam yokuqala yama-20 kwaye ndifunde ngamava ukuba ndihamba njani na kumanzi anodaka okuthenga kunye nokwahlula phakathi kweemfuno kunye neemfuno.
Ndiphinde ndalumka ngakumbi kutyalo-mali lwam nakwizicwangciso zokukhulisa imali.
Ngokusekwe kumava am, kunye nokulinga kunye nempazamo, ndibhale phantsi Iindlela ezili-10 ezingenangqondo zokugcina imali ngaphandle kokungabizi mali. Qhubeka ufunda, kwaye ubone ukuba zingaphi kwezi onokuthi uqalise ukuzisebenzisa ngoko nangoko.
1. Beka uqingqo-mali, namathela kulo
Uthe usomashishini uDavid Ramsey- "Uhlahlo lwabiwo-mali luxelela imali yakho ukuba iye phi endaweni yokuzibuza ukuba iye phi"
Olu caphulo luyitshintshile imbono yam yohlahlo lwabiwo-mali. Uhlahlo lwabiwo-mali, ndandidla ngokucinga ukuba, lolwepalamente noorhulumente. Hayi indlela ephosakeleyo ngayo!
Nabani na ofumana namawaka amabini eerandi kufuneka aqale ngebhajethi. Uhlahlo lwabiwo-mali aluncedi nje kuphela ekwabeni imali kwiindawo ezahlukeneyo ezibalulekileyo, lukwalungelelanisa iindleko zakho.
Phantse wonke umntu unikwe amandla nge-smartphone ngoku. Kukho amanqaku olawulo lweendleko kunye nohlahlo lwabiwo-mali oluza neempawu ezilula kakhulu zokuzisebenzisa, kunye nezikhumbuzo ezifike ngexesha.
Ezi apps zihambele phambili kakhulu, ziya kukukhumbuza nangeshedyuli yentlawulo yebhili, imihla yakho yokubhatala iprimiyamu njalo njalo.
Ukuba iyanceda, unokuseta ibhajethi yakho yonke iinyanga ezi-6 okanye unyaka kwangaphambili. Ngalo lonke ixesha yiba nesantya esincinci malunga neenyanga zokubhiyozela ukuze ukwazi ukonwabela imibhiyozo ngokupheleleyo.
Uhlahlo lwabiwo-mali lukunceda ukuba ubeke iinjongo zakho zemali. Ngaphandle kokumisela iinjongo, ukuphumeza ukulingana kwiimali zakho kunokuba nzima.
Ukuba ufuna uncedo lokukhetha umphathi webhajethi yeendleko, unokujonga uphononongo lwethu lolona hlahlo lwabiwo-mali lubalaseleyo kunye nabalandeleli beendleko Apha - EZI-8 II-APPS ZOKUKHANGELA IINDLEKO YENYANGA E-INDIYA
2. Yiba ne-Akhawunti ye-RD
Thina maIndiya siyakuthanda ukonga. Ngokwedatha evela kwiBhanki yeHlabathi, phantse i-80% yamaIndiya aneeakhawunti zebhanki. Indlela ekhethiweyo yokonga kuthi yinzala yebhanki.
Nangona kunjalo, xa kujongwa amazinga akhoyo enzala ye-akhawunti yokonga (eyam inika i-2.7%), ingqalelo yethu ngokwendalo itshintshela kwi-Recurring Deposits (RD) kunye ne-Fixed Deposis (FD).
Zombini i-RD kunye ne-FD zinezinga eliphezulu lenzala kutyalo-mali lwexesha elifutshane. Ngapha koko, uninzi lwee-RD kunye nee-FDs zinenzuzo ngakumbi kutyalo-mali lwexesha elifutshane ngoku.
Unokufumana i-6% - 8% kwi-RD okanye kwi-FD.
Iibhanki ngoku zenza ukuba kutsalwe ngokuthe ngqo ii-RDs kwiakhawunti yakho yokonga, nto leyo eyenza kube lula ukuyigcina. Awudingi ukuya ebhankini nyanga zonke ukuze ubeke imali kwi-akhawunti ye-RD.
Unokuphinda uqale i-RD ukusuka ezantsi njenge-Rs. 500 ngenyanga, isithuba sonyaka okanye iinyanga ezili-15. Yintoni ke ekunqandayo ukuba uzifumanele iRD ngoku?
3. Tyala imali kwii-ETF
Ukuba umngcipheko wakho wokutya ulungile, ungadlulela ngaphaya kokugcina, kwaye uqale ukutyala imali. Kwabaqalayo, unokutyala imali kwi-ETFs (iiNgxowa-mali eziThunyelweyo). Ukuba umdla wakho womngcipheko uphezulu kancinci, iZitokhwe zinokuba yinxalenye yesicwangciso sakho sotyalo-mali lwezemali.
Ii-ETF zizixhobo ezintle zotyalo-mali lwexesha elide. UWarren Buffet, omnye wabatyali-mali abaphumeleleyo kwihlabathi, ucinga ii-ETF njengesixhobo esithembekileyo sotyalo-mali kumhlala phantsi.
Ubungqina bexesha elizayo yinto emiliselwe ezingqondweni zethu ukususela kwixesha esiqala ngalo ukufumana umvuzo. Sihlala sisiva abadala bethu besithi “gcinani ikamva”. Nangona i-Gen Z kunye newaka leminyaka lingayithobeli isiluleko esinjalo, ngokwenene kukho ubulumko obuninzi ekunikeleni ingqalelo kuyo.
Ukuba umsebenzi wakho awuboneleli ngenkqubo yomhlalaphantsi, kufuneka, ngakumbi, uqale ukutyalomali kwii-ETF okanye kwi-ETF Bonds. Yintsomi ukuba utyalo-mali lolwabantu abakubudala obuphakathi. Ngokukhawuleza uqala utyalo-mali, uya kuba ngaphantsi kuya kufuneka ube nexhala malunga neminyaka yakho ephezulu.
Ngaphezu koko, xa uqala ukutyala imali usemncinci, uyazi ngakumbi imali kwaye unokudala ipotifoliyo yemali elungeleleneyo enokukunceda ukuba ufumane izivumelwano ezingcono kumakhadi okuthenga ngetyala kunye neemali-mboleko, ukuba uyayifuna.
Ukuba ufuna ukwazi izibonelelo ze-ETFs, kwaye zihamba njani ngcono kunee-stocks kunye ne-debentures, funda iposi yethu ETFs apha .
4. Thenga ngeeKhadi zeThredithi
Sonke sithenga inyanga yonke, nokuba yigrosari okanye izinto ezifunekayo ekhaya, okanye izinto zokubhala okanye iimpahla. Sonke sihlawula amatyala ethu kunye neemali mboleko.
Ngoku khawufane ucinge ngalo lonke ixesha uhlawula, ufumana into ethile kwimali oyihlawuleyo. Isenokuba ngohlobo lwamanqaku omvuzo onokuthi kamva uwakhulule ngezipho ezithile, okanye inokuba ngohlobo lwembuyekezo yemali.
Ukufumana umvuzo ngokuhlawula amatyala akho kunye nokuthenga igrosari kunye nezinye izinto eziyimfuneko kufana nokufumana isipho sokubuya somhla wokuzalwa. Ngokusekelwe kumvuzo wakho ngonyaka, kunye nendlela othenga ngayo, unokufaka isicelo sekhadi letyala elilungele iimfuno zakho.
Sikwanalo necandelo lamakhadi apho siye saxoxa ngamakhadi okuthenga ngetyala angcono akhoyo emarikeni. Funda wethu uphononongo lwekhadi letyala ukuze ubone ukuba leliphi ikhadi elikufanela kakhulu indleko yakho.
5. Thenga ngoBuninzi xa kunokwenzeka
Sonke sinezinto esizidinga rhoqo. Ukuthenga isixa sempahla enjalo kunokusigcina ngokulula intywenka yemali.
Izinto endihlala ndizithenga ngobuninzi zizinto zegrosari. Ndikhangela iintengiso ezibonelela ngokuthenga 1 ufumane isinikezelo esi-1, okanye unexabiso elithotyiweyo kakhulu xa kuthengwa ngobuninzi.
Kwaneemfuno zemihla ngemihla ezifana neenkozo kunye neepulses xa zithengwa ngobuninzi zinika amaxabiso athotyiweyo. Qiniseka nje ukuba unogcino olufanelekileyo olukhoyo ukuze lugcinwe ixesha elide.
Kukwakho iibrendi ezintsha ezinentshayelelo emangalisayo yokuzama imveliso yazo. Qiniseka ukuba usebenzisa ikhadi lakho lokuthenga ngetyala ekuthengeni isambuku ukuze uphumelele kumanqaku okuvuza nawo.
6. Thenga ngexesha lentengiso
Kukho imisitho emiselweyo yezipho kunye nemibhiyozo unyaka wonke esihlala sijonge phambili kuyo. Imibhiyozo ithetha ukuphana izipho. Kwabanye bethu, kubaluleke ngakumbi ukupha kunokwamkela ngexesha lemibhiyozo.
Yonke i-brand inikezela ngentengiso ubuncinane kabini ngonyaka. Intengiso lelona xesha lilungileyo lokuthenga isambuku kuwo onke amaxesha apho kufuneka uphe abazala bakho kunye nabahlobo kunye nabatshana kunye nabatshana.
Ukuba awunamatyala anjalo, usenokujonga phambili ekuzithengeleni ngexesha lokuthengisa. Ungagcina amakhulu ambalwa ukuya kumawaka eerupees kwibhrendi oyithandayo, ngaphandle kokuthomalalisa kumgangatho.
Iindawo ezinkulu ze-eCommerce ezifana neFlipkart, iMyntra kunye neAmazon zibonelela ngentengiso kaninzi ngonyaka, kwaye kukho izivumelwano ezilungileyo ngokwenene ezikhoyo ngexesha lentengiso enjalo.
Ukuthenga izinto ezininzi, ungagcina ubuncinane amawaka ambalwa e-rupee xa uthelekisa nokuba uthenge into enye ngaphandle kokuthengisa kwezi venkile ze-intanethi.
7. Beka phambili
Njengomntu owayelikhoboka lokuthenga abathengi, elona cebiso logcino ndingakunika lona kukubeka phambili iimfuno zakho.
Ngokufuthi, sijonga into esiyifunayo endaweni yaleyo siyidingayo. Sisekela ulonwabo lwethu kwizinto esizifunayo, kwaye oko kuphawula ukuqala kokukhutshwa okungenakuphepheka kwemali yethu esiyisebenze nzima.
IMillennials ixhomekeke kakhulu kubathengi. Ndibone abantu bechitha isiqingatha somvuzo wabo kwiimpahla ezintsha kunye neenwele kunye neziqholo ze-15 imizuzwana yevidiyo kwindawo ethile yentlalo! Kuyinyani ukuba isinxibo siya kuhlala apho emva kokuba ixesha lakho lemidiya yoluntu liphelile, kodwa ngaba ubuyifuna kwasekuqaleni?
Fumana isiqinisekiso sokwenyani. Thatha i-app yakho yohlahlo lwabiwo-mali, kwaye ubhale phantsi zonke izinto ofuna ukuzithenga, kwaye ubeke ixabiso ecaleni kwazo.
Ngoku zihlele ngokweemfuno kunye neemfuno zakho. Uluhlu lweemfuno luya kuba nezinto ozifuna ngokupheleleyo ukuze ugqibezele kule nyanga. Uluhlu lwezinto ezifunayo luya kuba nezinto oceba ukuzithenga ngenye imini kodwa unokuphila ngokulula ngaphandle kokuba nazo ngoku.
Emva koko, gcwalisa imali yazo zonke izinto ezikuluhlu lwakho olufunayo. Ngoku khupha zonke izinto ezikolu luhlu. Nako usiya! Uzigcinele ubuncinci amawaka eerandi. Ungayisebenzisa ngoku loo mali kwizinto eziyimfuneko okanye gcina ukuze uyisebenzise kamva.
8. Fumana igigi esecaleni ehlawulayo
Yinto eyaziwayo ukuba izityebi azityebi ngokonga, koko ngokunyusa umvuzo wazo.
Ngoku une-intanethi kwi-clutch yezandla zakho. Unesixhobo esinokukufundisa izakhono ezimangalisayo. Kukho amakhulu eewebhusayithi zasimahla ezikufundisa ukubhalwa kwekhowudi, ukuthunga, ukuyila, ukuthengisa ngedijithali njalo njalo. Unokwenza itshaneli yeYouTube kwaye ubeke umxholo wakho ukuba ubonwe lihlabathi.
Iindlela zokulandela ukuthanda kwakho kwaye ufumane imali kuyo azikaze zibe banzi ngaphambili.
Ungasebenza iiyure ezisi-9 ngeentsuku ezi-6 emsebenzini weveki, kwaye ufunda kwindlela yakho yokuhamba, ngeempelaveki.
Thatha nje indawo yakho yokusebenzisa imidiya yoluntu ukuze ufunde into entsha. Ngonyaka, uya kuxhotyiswa ngesakhono esitsha esinokuqalisa kuwe umthombo omtsha wengeniso.
Ngena ekufundeni nasekuzuzeni kuyo. Uya kufumana imali yakho ilungelelene.
9. Indlela yokuphila esempilweni
Usenokumangaliswa yindlela ubomi obusempilweni obunokukunceda ngayo wonge imali ngaphandle kokubonakala ngathi unexabiso eliphantsi. Qwalasela ezi meko zilandelayo kwaye uzigwebe ngokwakho.
Unobulungu bomthambo ukuze uzigcine usempilweni, kodwa awufane ubetheke ejimini.
Indlela ophila ngayo kunye nokutya okutyayo kuyayiguqula impilo yakho, kwaye uhlala utya iipilisi zentloko okanye ukudambisa uxinzelelo. Kodwa awunalo ixesha lokutyelela indawo yokuzivocavoca nangona uhlawulela ubulungu nyanga zonke.
Usondele kwi-40, kwaye sele unamava egxalabeni elinomkhenkce, i-spondylitis, ukukrazuka komthambo. Ukuhlolwa kwamehlo akho minyaka le kukubiza ibhombu. Ungena kwiiseshoni ze-physiotherapy kwi-spondylitis yakho, kwaye iindleko kwakhona zinciphisa amazinyo abukhali kwibhajethi yakho yenyanga.
Ukuba uyaqaphela, zonke ezi meko zingentla zibandakanya ukuhlawulela oogqirha, amayeza, ukuxilongwa kunye neentlawulo eziphezulu zeinshorensi yobomi.
Unganciphisa zonke ezi ndleko zingentla ngokulula ngokwenza imithambo yasimahla yonke imihla okanye ngenye imini. Okuncinci kuhamba ixesha elide ukuba uyahambelana nayo.
Unokuzama i-yoga okanye ukuzolula okanye ukubaleka okanye ukuqubha. Unokuziqhelanisa nokucamngca. Onke la manyathelo mancinci angasindisa amakhulu kunye namawaka eerupee ezinokungena kukhathalelo lwezempilo.
10. Musa ukutyiwa ziingcinga zoGcino
Ukungakhathali kunokuba likhoboka. Amaxesha amaninzi, xa siqalisa ukonga, oko sikwenza ngokutyeshela iimfuno zethu ezisisiseko.
Ukukhupha yonke ipeni kwisivumelwano, iiyure ezinde zokuxoxisana, ukulinda ukuba ixabiso ekuthengisweni lihle nangakumbi - zonke ezi ziimpawu ezothusayo zokuba ingqondo yakho ityiwa ziingcinga zokungakhathali.
Zifumanele isixhobo sokubala kwaye ujonge ukuba uqalile na ukonga i-25-30% yomvuzo wakho. Nokuqala ngencinci njenge-10% iya kwenza.
Ukuba kunjalo, akukho nto inokukhathazeka ngayo. Cinga ngeengcinga zobuninzi kunye nendlela onokufunda ngayo isakhono esitsha ukuze umvuzo wakho kunye nokonga kwakho kunyuke.
Okokugqibela, ukuba siyayeka ukuzikhathaza ngokuba indlela esiyisebenzisa ngayo imali ibonakala njani kwabanye, iya kwenza ubomi bethu bube lula. Njengentetho edumileyo isithi, “Ukunxiba iimpahla zexabiso eliphantsi nokuqhuba inqwelo-mafutha endala akukwenzi wophuke, khumbula ukuba unosapho omele ulondle, kungekhona uluntu olufuna ukukholisa.
Ngaba uyafuna ukongeza kuluhlu lweendlela zokonga imali ngaphandle kokuba ungabizi? Sazise iindlela zakho eziqinisekisiweyo zokufumana ibhalansi yokonga inkcitho.
Shiya iMpendulo