Ukonga imali yeyona nto iGeneration Z ingakhathaliyo. Umvuzo wokuphila kwi-paycheck uye waba ngumkhwa ongenakutshintshwa.
Omnye wababhalisi bam kuluhlu lwemali wandibuza umbuzo, kodwa ngaphambi koko, wandixelela oku:
“Molo Aayush, ndifumana umvuzo wokuzisebenzela kule minyaka mi-2 idlulileyo. Umyinge wentlawulo nyanga nganye yi $1800.
Sekunjalo, andinanto yokubiza ukonga okanye utyalo-mali. Umbuzo wam kuwe ngowokuba, umntu unokuyigcina njani imali njengomntu oneminyaka engama-24 ubudala ephuma ekholejini efumana umvuzo ozimeleyo?
Ngoku lo ngumbuzo onika umdla. Ukuba ungathanda ukundibuza umbuzo, nawe, yiya kuluhlu lwam lokuposa. Uza kufumana incwadana yeendaba yeveki kunye nesimemo sokundibuza umbuzo rhoqo ngeveki.
Ingcebiso yokonga kuye nabani na okwiminyaka yama-20.
Eyona ngxaki inkulu kwiGeneration Z luxinzelelo loontanga. Xa ukwishumi elivisayo kwisikolo samabanga aphakamileyo okanye umntu ophuma ekholejini, uxinzelelo loontanga lukho kuyo yonke indawo.
Okokuqala, yahlukana neengcinga ofuna ukuzibonisa ukuba wenza kangakanani na ngokuguquguqula izinto eziphathekayo. Akunyanzelekanga ukuba uthenge iimpahla zexabiso eliphezulu, iiwotshi, iisuti zeencwadi zodidi oluphezulu, nazo zonke ezinye izinto ukubonisa ukuba utyebe kangakanani na.
Usisityebi, kwaye uyakwazi oko. Yiloo nto kuphela ebalulekileyo.
Ulibale ngehlabathi. Phila ubomi bakho ngendlela ofuna ngayo. Kwaye ukuba oko kuthetha ukuba ufuna ngokwenene ukuthenga izinto zodidi oluphezulu, ngandlela zonke, yenza njalo. Kodwa ungayenzeli abanye.
Le ndlela yokucinga iyodwa iya kukugcina amakhulu eedola nyanga zonke.
Yenza uhlahlo-lwabiwo mali
Eli linyathelo lakho lokuqala lokunyusa ukonga kwakho kakhulu.
Xa usenza uhlahlo lwabiwo-mali, uyazi kakuhle ukuba yimalini oyenzayo kwaye uza kuchitha malini, utyale imali kwaye uyishiye kwiakhawunti yakho yokonga.
Ukwenza uhlahlo lwabiwo-mali kubalulekile kuba ayikho enye indlela onokuthi uziphendule ngayo. Kufuneka ubone ukuba yimalini na ukungena nokuphuma kwemali ukuze uqaphele xa usebenzisa inkcitho engaphezulu.
Iinyanga ezimbini zokuqala zohlahlo lwabiwo-mali kunye nokulandela isicwangciso sakho sohlahlo lwabiwo-mali ngokungqongqo kuya kukubonisa apho uninzi lwemali yakho luya khona. Kwaye kuphela emva koko unokwenza okuthile malunga neendawo ochitha kuzo ngaphezulu.
Uya kuba nakho ukufumana intengiselwano ezininzi ebezinokuthintelwa. Yonke imali oyichitha kakhulu kwizinto ongafanele ukunyanzele ukuba ugcine indlela oyisebenzisa ngayo imali.
Yenza oku kangangeenyanga ezi-6, kwaye uya konga imali ethe chatha kwi-auto pilot. Ngenxa yokuba uya kukuphepha ukuthenga izinto, awuyidingi kwaye ungaphila ngaphandle. Yonke loo mali iya kuhlala iqokelelwa kwiakhawunti yakho yokonga.
Try Wallet App yiBudgetBakers. Lusetyenziso olukhulu lolawulo lwemali oludibanisa neakhawunti yakho yebhanki kwaye ikuvumela ukuba ulandelele umvuzo wakho kunye nenkcitho ngokuzenzekelayo. Ikwahlula intengiselwano yakho ibe ziindidi ezithi "Ukufuna," "Isidingo," kunye "Kufuneka".
Lusetyenziso oluhle, kwaye ndiyisebenzisa ngokwam kunye ne-app engudade wayo, iBhodi, kumashishini am.
Chonga into ekufuneka ubenayo, iimfuno zinokulinda. Iimfuno ngu-HAYI-HAYI.
Yonke into oyithengayo inokuhlelwa ngokweendidi ezintathu:
- imfuneko
- Ufuna
- Funeka
Xa eyona njongo ikuphela kwayo ikukonga imali eninzi kangangoko kufuneka ugxininise kuyo kukuphumeza “iiMfuneko” zakho. Naleyo ngexabiso eliphantsi kangangoko. Yonke enye into inokulinda.
Iimfuno zakho ngamatyala avela rhoqo endlu kunye nezinye iinkcitho eziyimfuneko ezingenakungahoywa. Njengokuhlawula irhafu, i-inshorensi yempilo, kunye neefizi zekholeji.
Okukhona uqalisa ukuphila ubomi obungonanga nobundilisekileyo, kokukhona kuya kuba lula ukuyilawula indlela oyisebenzisa ngayo imali. Ukonga akuthethi ukuba chad cheap.
Funda indlela yokonga imali ngaphandle kwexabiso eliphantsi.
Kuthetha nje ukuchitha imali kwizinto ozifuna ngokupheleleyo, kunye nokufumana iindlela zokwenza oko ngexabiso eliphantsi.
Njengokuthethathethana ngerenti. Ungahlala uzama ukuthetha nomntu ukuba anciphise ixabiso labo lokubuza, kutheni kungenjalo?
Chonga into "uyifunayo" kwaye ungayihoyi ngokupheleleyo. Musa ukuvumela iimvakalelo zakho zikulawule.
Xa ucinga ukuba ucengwa yingcinga yokuthenga into kwaye uyazi ukuba luhlobo lwemveliso ethi “Funa”, yithi ngokulula,” ndiza kuyithenga ngomso” okanye ndiza kuyenza kamva” kuwe.
Kwiimeko ezininzi, umnqweno wokuthenga loo mveliso uya kuphela.
Yeka ukuya kwi-Starbucks
Kulungile, hayi ngokoqobo.
Yinto eqhelekileyo, kodwa imbono esisiseko kukuyeka ukuya kwiindawo kwaye uthenge izinto owaziyo ukuba uchitha imali ngazo.
I-Starbucks ngumzekelo weklasi. Iindleko eziqhelekileyo zesiselo e-Starbucks yi-3 yeedola. Ezinye iziselo ezifana neFrappuccino zibiza ngaphezulu kwe-4 yeedola!
Ayinangqondo. Kutheni uchitha imali eninzi kwinto oyaziyo ukuba ungayifumana ngexabiso eliphantsi kakhulu?
Umkhwa wokuhlawula ikofu ye-Starbucks idlula kwiinkalo ezininzi zobomi bethu. Asicingi ngaphambi kokuba sichithe imali kuyo nantoni na eye yaba yinxalenye yobomi bethu, enoba intle okanye imbi.
IStarbucks ngumzekelo nje omnye. Ukuhlawulela u-Uber yenye. Abantu bahlakulela umkhwa wokusebenzisa imali kuba bekhululeka ngenkonzo okanye imveliso bengaziqondi.
Ngalo lonke ixesha usebenzisa u-Uber, awucingi ngokuba yimalini oyichithayo kuba ayinamsebenzi. Yenza ubomi bakho bube lula, okanye ubuncinci ucinga ukuba iyakwenza.
Ungagcina ngokungayisebenzisi, kunye nokuthatha indlela yesithuthi sikawonke-wonke. Kungathatha ixesha elongezelelweyo, kodwa hayi, ngu-Uber.
Kwaye ndiyayifumana.
Abanye abantu abanakuyenza loo nto. Balixabisa ixesha kunye nentuthuzelo yabo ngaphezu kwemali.
Kodwa ukuba unako kwaye ukuba uyakwenza, uya kugcina isibini samakhulu eedola rhoqo ngenyanga.
Sukuphuma Konke ngenxa yosapho lwakho
Amaxesha amaninzi xa uthweswe isidanga kwaye ufumana umsebenzi wakho wokuqala, okanye uqale ishishini eliqala ukwenza inzuzo okanye njengaye, qala umsebenzi ozimeleyo kwaye uhlawulwe, ungafuna ukuya kwindawo yokuthengela amalungu osapho lwakho.
Kwaye oko kuyindalo, kunjalo. Ukwenza oko ngenxa yothando, ukubonisa umbulelo kusapho lwakho oluxabisekileyo. Ngapha koko, uyiloo nto uyiyo ngokuyinxenye ngenxa yabo.
Kuhle ke ukuba uchithe umvuzo opheleleyo kwaye wenze yonke into usenzela usapho lwakho – kube kanye. Mhlawumbi kabini.
Kodwa musa ukuyivumela ukuba ibe ngumkhwa. Ingakumbi ngenxa yokuba ukwi-20s yakho kwaye uya kuhendeka ukuba uyenze ixesha emva kwexesha. Kuba kumnandi kakhulu.
Nangona kunjalo, akufuneki uye "Konke" nanini. Chitha imali encinci ukwenza ubucwebe obuhle okanye iholide entsha yosapho kulungile.
Musa nje ukuthwala kwaye uqhubeke upompa imali kuyo yonke into efunwa yintsapho yakho.
Abantu abahlukeneyo baneminqweno eyahlukileyo. Umntakwenu usenokufuna enye into, omnye udade wenu afune enye into. Awunako ukuzalisekisa imfuno nganye de ube ufikelele kwinqanaba apho unepotifoliyo enkulu, ingeniso ephindaphindiweyo, ukungabikho kwamatyala kwaye uzalisekise umnqweno wakho weshishini okanye umsebenzi.
Amathuba omsebenzi kubantu abaninzi abafuna umsebenzi akalindi ixesha elide. Kufuneka wenze ukhetho xa lufika kwaye ulungele. Kukwanjalo nakumathuba oshishino. Xa zifika udinga inkunzi ukuze uxhathise isikhundla sakho.
Ingxoxo yam de ufezekise iinjongo zakho zomsebenzi kunye namaphupha eshishini, yonke enye into inokulinda.
Awubenzi kakubi abazali bakho. Ulibazisa nje uvuyo kwaye ulwenze lube lukhulu ngakumbi.
Kwaye baya konwaba ngakumbi wakuba ufumene uzinzo lwezemali kwaye ufezekise amaphupha akho.
Ukuba ngenxa yaso nasiphi na isizathu usapho lwakho lufuna ngaphezulu, alonwabanga luluvo lwakho lokonga, luyaphambana xa uhlehlisa iholide okanye ukhanyela “Ukufuna” ukuthenga - phuma. Yiyo leyo.
Anditsho ukuba kufuneka uzilahle, kodwa suka nje uye kude. Vumela iimvakalelo zakho ziphumle kancinci. Yazisa usapho lwakho ukuba uzimisele kangakanani ngeshishini lakho kunye nomsebenzi wakho.
Emva kokuba umise yonke into ngendlela eyiyo kwaye ekugqibeleni unokuhlawula yonke into abayicelayo, bavumele bangene.
Ukuba usikelelekile ngokuba nosapho olukuqondayo, bhala yonke into phezulu. Awudingi nengcebiso yam.
Yenza Injongo
Ukuyila injongo kubalulekile ukuze uyifezekise. Ukuba awunanjongo, awunanto yokuyifeza.
Yiba nosukelo lokuba unqwenela ukonga malini ngeminyaka engama-30, engama-40, nama-50 ubudala.
Beka olo sukelo kwindawo ethile apho unokuyibona yonke imihla. Ukuhlala ukhunjuzwa ukuba idola nganye oyichithayo iya kuyichaphazela njani injongo. Mhlawumbi ulibazisa ukuyifikelela.
Uza kulahla ngokukhawuleza ukuthenga kwaye uqale ukucinga malunga nexesha elide.
Iinjongo zenzelwe ixesha elide kunye nentaba-efana nentaba. Musa ukwenza injongo encinci oyaziyo ukuba ungayifumana ngaphandle kokwaphula imikhwa yangoku yokuchitha.
Yenza iinjongo ezibonakala kunzima ukuziphumeza, uze uzilandele.
Qala ii-SIPs, kodwa ungabukeli
Ii-SIPs ziyonwabisa. Zezona ndlela zilula zokwakha ubutyebi onokuthi ubonwabele kwiminyaka yakho engamashumi amane. Oko kukuthi ukuba uhlakaniphile ngokwaneleyo ukuba uyeke ukujonga ngxowa-mali amaxabiso veki nganye.
Ii-SIP zenzelwe ukuseta kwaye ulibale. Uhlalutyo lwenyanga lwanele ukuqonda ukuba uhlala utyaliwe okanye uphume imali. I-Mual fund SIPs ikunceda ukuba wakhe ubutyebi obuninzi ukuba uhlala utyale imali iminyaka eli-10 ubuncinci ngokudibanisa imali yakho.
Iimali ze-Equity kulindeleke ukuba zinike inzala engaphezulu kwe-18% ubuncinci kule minyaka ili-10 izayo. Iimali zetyala zihlala zinika inzala ye-7-8.5%.
Xa utyala imali yetyala, awunyanzelekanga nokuba ube nexhala malunga nomlinganiselo weendleko okanye ukuhlawula amatyala. Ungahlamba nanini na xa ufuna, kodwa ngomda.
Gcina ii-SIP zakho zisebenza kwaye ungazijongi njengokhetshe. Awunyanzelekanga ukuba wenze njalo. Tyala i-15k ngenyanga kwaye ukulibala malunga akunzima njengoko unokucinga.
Lungiselela iimali zakho
Lungiselela yonke into xa kufikwa kugcino lwakho kunye notyalo-mali.
Ngoku unenketho yokuzenzela utyalo-mali kwisitokhwe. Usebenzisa iZerodha, unokuseta isigunyaziso sokuxhasa ngemali ngokuzenzekelayo iakhawunti yakho yeZerodha Demat. Unokuseta i-SIP ngokudala iibhasikithi zesitokhwe eziya kuzenza ngokuzenzekelayo ukuphunyezwa ngomhla owukhethileyo.
Yenza yonke into onokuyenza. Cwangcisa ii-SIP zeeNgxowa-mali eziDityanisiweyo, izitokhwe, i-NPS (iNqanaba lesi-2 ukuba ufuna ukuhlawula amatyala) kunye NPS ngoku.
Ungagcini ngaphezu konyaka omnye wemali kaxakeka kwi-akhawunti yakho yokonga. Kwaye ukuba wenza njalo, yenza i-akhawunti yogcino-akhawunti okanye usebenzise i-FD eXhumanisayo enikezelwa yiBhanki efana ne-ICICI kunye ne-Kotak Mahindra ukufumana inzala eyongezelelweyo ye-1 -2% kwimali yakho yokugcina imali.
Ukuba ungumntu we-tech-savvy, zenzele i-2% yomvuzo wakho ukuze uthenge i-cryptocurrencies oyithandayo. Ndicebisa ukuba awufuni ukuthatha umngcipheko omkhulu, ukutyala imali kwiBitcoin, Ethereum kunye neCardano kuya kuba yeyona nto ilungileyo.
Kodwa yiba yinxalenye yolu tshintsho. Nokuba iqamza, uya kukwazi ukwenza imali ngayo. Kwaye ekubeni uya kutyala kuphela i-2% yomvuzo wakho, ngubani okhathalayo ukuba yonke into iqhuma eluthulini?
Ziphephe iiKhadi zeThredithi ezininzi
Ndicebisa ngamandla ukunqanda ezininzi makhadi e khredithi ekuqaleni kwakho 20s. Ulunge kakhulu enye nje ngenxa yokwakha a amanqaku etyala.
Ngaphandle koko, akukho mfuneko yokuba usebenzise ikhredithi kuyo nantoni na.
Amakhadi etyala ayindlela entle yokuchitha imali ngelixa ufumana amanqaku okuvuza. Nangona kunjalo, iibhanki ezinjenge-ICICI zikuvumela ukuba ufumane umlinganiselo ofanayo wamanqaku okuvuza xa usebenzisa ikhadi labo lokutsalwa imali xa kuthelekiswa namakhadi okuthenga ngetyala, umzekelo, Coral Credit Card.
Ke akukho sizathu sikhulu sokuba usebenzise ikhadi letyala endaweni yekhadi lebhanki. Uchitha nje i-5% yomlinganiselo wetyala lakho nyanga nganye ukugcina amanqaku akho etyala aphezulu.
Ikhadi elinye lekhredithi lanele ukwakha amanqaku ekhredithi enempilo. Qiniseka ukuba ugcina ikhadi lakho letyala lokuqala lisebenza ixesha elide kangangoko.
Funda ngakumbi NgeMali yoBuqu
Funda ngokugqithisileyo. Nokuba ufunde ii-10s zeencwadi malunga nezezimali zomntu, funda ngakumbi.
Qhubeka uzuza ulwazi olungakumbi ngendlela yokulawula imali ngaphandle kokuba likhoboka layo.
Yeka ukufunda iincwadi ezifana nethi "Rich Dad Poor Dad" kunye nethi "Think and Grow Rich". Baninzi ababizwa ngokuba ngabaphembeleli be-intanethi abaphumeleleyo bakhankanya ezi ncwadi zimbini kunye nendlela ezibutshintshe ngayo ubomi babo.
Kodwa musa ukuyithenga.
Liphephe ityala ngazo zonke iindleko. Akukho tyala lilungileyo okanye ityala elibi. Awudingi uxinzelelo lokuhlawula izavenge kwi-20s yakho. Xa umntu esithi yinxalenye yesiphithiphithi, ukuphuma kwindawo yokuthuthuzela kwaye blah blah blah, ncuma, mamela kwaye ungakwenzi. Ilula ngolo hlobo.
Ngaphandle kokuba uyifuna ngokupheleleyo, njengakwimeko yokuthenga indlu, ungakhe ucinge ngayo.
Ndicebisa uqale ngo “Utyalo-mali” uze ukhumbule imigaqo ekhankanywe kule ncwadi njengesisiseko sakho.
Ndikwacebisa ukufunda “Ikofu inokuTyala”, "UIndlela yeWarren Buffet"Kwaye"Ndiya kunifundisa ukuba sisityebi” nguRamit Sethi. Andivumelani malunga ne-60% yento ethethwa nguRamit kwincwadi yakhe, njengokuthenga i-$ 4 ikofu yonke imihla, kodwa ulungile ngokukhethekileyo ekuchazeni i-automation kunye nokubaluleka kwenkcitho engenatyala.
Yiyeke. Funda naziphi na kwezi ncwadi zi-4 uze ufunde ethi Think and Grow Rich okanye Rich Dad Poor Dad.
Uyasiqonda isizathu sokuba ndizithiye iincwadi ezifana no-Rich Dad Poor Dad.
Kuphelele apha.
Ndiyathemba ukuba ufumene icebo elinye okanye ezimbini onokuzisebenzisa ukonga imali eninzi kulo nyaka.
Shiya iMpendulo