Ngaba mva nje ubucinga ngokusebenzisa umvuzo wakho ngeyona ndlela ifanelekileyo ukuze ukwazi ukuchitha, ukonga kunye nokucima amatyala phambi kwexesha?
Ufundeka kakuhle, sikugubungele kweli nqaku lithetha ngezinto ezili-11 ezibalulekileyo omawuzenze xa ufumana umvuzo wakho.
Ukuba uyinto efana neyam yangaphambili, umvuzo wakho yinto enqabileyo, ephuphayo eza emva kokulinda ixesha elide, kwaye itshabalale ngokukhawuleza, ihlala isishiya singenalwazi malunga nokuba iye phi.
Njengabantu abaninzi abahlawulwayo, ndandingenabuchule bokuphatha imali.
Ngenxa yoko, bendizibhaqa ndiboleka imali encinci kumalungu osapho ngasekupheleni kwenyanga ukuze ndifumane izinto ezisisiseko.
njengokuya e-ofisini nase-tiffin.
Lo mjikelo uqhubekile ndade ndenza ingcinga enzulu, ndajonga iipatheni zam zenkcitho, ndenza uphando kwi-intanethi, kwaye ndeza nale nto.
Iindlela ezili-11 ezingabizi ngqiqweni zokujongana nomvuzo kangangokuba bendichitha, ndonga, kwaye ndide ndityale imali – into endingazange ndayenza ngaphambili.
Okubangela umdla kukuba, umvuzo uthatyathwe kwigama lesiLatini elithi 'sal' elithetha 'ityuwa'.
Ityuwa yayixabiseke njengegolide kumaxesha amandulo, ubukhulu becala ngenxa yobunzima bokuthengwa kwayo. Ngoko abantu babehlawulwa ngetyuwa endaweni yokusebenza kwabo nzima.
Masiyilahle i-etymology kwaye singene kwezo zinto zili-11 zibalulekileyo onokuthi uzenze ngomvuzo wakho.
Hlawula Eyakho Usebenziso ZeBhili
Udidi lokuqala lweendleko ekufuneka ujongane nalo ngamatyala oncedo. Amatyala asetyenziswayo abandakanya irenti, umbane, amatyala amanzi kunye negesi. Ezinye izinto ezongezelelweyo zibandakanya amatyala efowuni, i-intanethi kunye namatyala ekhebula.
Ukuphoswa kukuhlawula amatyala oncedo kusenokuthetha izohlwayo emva kwexesha kunye nokuphazamiseka kwenkonzo. Unokuzibekela izikhumbuzi ukwenza intlawulo ngexesha elifanelekileyo.
Yongeza kolu luhlu lungentla umrhumo wokulondolozwa kwendlu kunye nemirhumo kubantu benkonzo yakho - umqhubi, umpheki kunye nomncedi wendlu. Aba ngabantu ekufuneka bahlawulwe ngeentsuku ezisi-7 zokuqala nyanga nganye, kukhethwa kwiintsuku ezi-3 zokuqala enyangeni.
Hlawula iMali-mboleko kunye neMali-mboleko
Phantse kubaluleke ngokulinganayo njengoko ukuhlawula amatyala asetyenziswayo kukuhlawula imali-mboleko kunye nemali-mboleko. Imali-mboleko kufuneka ibandakanye nayiphi na imali-mboleko engenzi nzala. Umzekelo, iimali-mboleko ezithathwe kumalungu osapho.
Imbali yakho yemali mboleko kunye nembuyekezo iyakuchaphazela amanqaku etyala, kwaye ke ngoko imijikelo yentlawulo yentlawulo okanye inzala kufuneka ithathelwe ingqalelo.
Amanqaku alungileyo etyala akwenza ukuba ufumane imali mboleko enkulu, ukuba ufuna nayiphi na. Ukufaneleka kwe uninzi lwamakhadi okuthenga ngetyala kukwaxhomekeke kumanqaku akho ekhredithi.
Hlawula iKhadi lakho leTyala elingekahlawulwa
Omnye weyona migibe yamatyala akhohlakeleyo abawela kuyo iminyaka eyiwaka kukungahlawuli kwabo iintlawulo zekhadi letyala ngexesha.
AmaKhadi okuthenga ngetyala afumana inzala kwinzala, kwaye kufuneka uqinisekise ukuba uhlawula yonke imali ongekahlawulwa ngayo kwiintsuku ezingama-50 zexesha lokungathengwa kwetyala.
Abantu abaninzi bacinga ukuba ukuhlawula kuphela eyona mali incinci ifunekayo iya kwanela. Nangona kunjalo, ubuncinci obufunekayo budla ngokuba yi-5% kuphela yemali eseleyo kwaye ihlawuliswa ukuqinisekisa ukusebenza kakuhle kwekhadi kunye nokuphepha imirhumo kade.
Usafumana inzala kwisixa ongekahlawulwa, kwaye phambi kokuba wazi, uya kuba nesixa esikhulu semali engekahlawulwa + inzala ekufuneka ihlawulwe.
Ekugqibeleni, iiarhente zesebe lamakhadi okuthenga ngetyala ziqalisa ukukukhangela ngokutsalela umnxeba nokukundwendwela ukuze uhlawule loo mali. Ngokuqinisekileyo awufuni ukuba oko kwenzeke.
Ikhadi letyala sisixhobo esimangalisayo esincedayo ukugcina imali.
Kodwa ngaphambi kokuba ulifumane, kufuneka wenze uphando malunga nokuba leliphi ikhadi eliya kuhambelana nendlela yakho yenkcitho. Sikwenzele umsebenzi onzima kwicandelo lethu lamakhadi. Jonga uphononongo lwethu olubanzi lwamakhadi, kwaye ubone ukuba leliphi eliya kukunika ukonga kakhulu.
Igrosari kunye nezinye iinkcitho zabathengi
Ngokwedatha yezibalo epapashwe yiValueChampion, amaIndiya achithe i-27.9% yengeniso yawo ekuthengeni ukutya ngo-2017-18. Oku kuphezulu kunomndilili ocetyisiweyo wepesenti we-8-10%.
Njengelizwe elixhomekeke kakhulu ekutyeni okuphekwe ekhaya, kusenokungenzeki ukunciphisa kakhulu inkcitho kwigrosari. Ngokufanelekileyo, ukuba sinokugcina inkcitho yegrosari ngaphakathi kwe-20-22% yomvuzo wethu, kuya kunceda ukugcina ibhalansi yenkcitho.
Oko kwathiwa, umntu akafanele alalanise kwimpilo kunye nokutya okunempilo.
Ndingacebisa ngamandla nakuphi na ukuthotywa kweendleko kudidi lwegrosari. Sonke siye sakuqonda ukubaluleka kokutya okunempilo kumaxesha anamhlanje. AmaIndiya anezinga eliphezulu lokuchacha ngenxa yendlela atya ngayo.
Umthetho we-50-30-20
Ngokomgaqo wama-50-30-20 wohlahlo lwabiwo-mali ophakanyiswe ngu-Elizabeth Warren kwincwadi yakhe Ixabiso lakho lonke: Isicwangciso seMali soBomi bokugqibela, i-50% yomvuzo wakho kufuneka iye kwiindidi ezi-3 ezingentla. Ezi ndidi zingentla ziquka iimfuno ezigqibeleleyo kunye nokuququzelela ukuphila kuluntu.
Kufanelekile ukwenza izibalo ngokukhawuleza emva kokuba ubambe iindleko kwiindidi ezi-3 zokuqala ukubona ukuba indleko iyonke yezi ntlobo zi-3 yi-50% okanye ngaphantsi komvuzo wakho.
Ukuba inkcitho yakho kwezi ndidi inqumla i-55% yomvuzo wakho, lixesha lokuba uphinde ubone iindlela zokuyizisa ngaphakathi kwe-50% yomvuzo wakho.
Imali kubazali, abantakwe, okanye abantwana
Inyaniso kukuba, uninzi lwethu lusebenzela abanye.
Abanye isenokuba yintsapho yethu okanye abahlobo.
Ndithetha ukuthi, ngubani owenza iparty ngeempelaveki? Bahlobo, akunjalo? Nokuba udibanisa imali yokuhlanganisana, ekugqibeleni uyisebenzisela ukonwaba kwinkampani yabahlobo.
Mhlawumbi ubungenakuzenza isiqingatha sezinto ozenzayo nabahlobo ukuba ubuwedwa kwaye akukho mntu unokwabelana naye ngolonwabo.
Kufuneka sisoloko sibeka phambili imali esiyinika abantwana bethu njengepokotho yemali okanye imali kubazali ukuze bayichithe kwiimfuno zabo nakwizinto abazifunayo.
Olu didi lweendleko akufunekanga lube lolu lokuzikhethela. Xa sibekela bucala ipesenti yomvuzo wethu kubazali bethu okanye abantakwenu okanye abantwana, sinyamekela iimfuno zabo neemfuno zabo ngaphandle kokuba basibuze ngalo lonke ixesha.
Zigcinele izinto zokuhamba nokutya ngeentsuku zokuhamba zaseOfisini
Ukuba uhamba ngemetro okanye ngoololiwe bendawo, qiniseka ukuba uzifumanele ikhadi lokuhamba.
Gcwalisa elo khadi nyanga zonke. Ukuba uthatha isithuthi esongezelelekileyo njengooritsho, gcina ecaleni imali encinci efunekayo kuhambo lwakho.
Ukuba unomkhwa wokuthenga i-tiffin yeofisi ngaphandle, yigcine ecaleni imali efunekayo kwaloo nto.
Kufuneka kwakhona uzigcinele bucala iintsuku ezimbi xa kufuneka uthathe iteksi ngenxa yemvula okanye ngenxa yeshifti ezoluliweyo eofisini.
Ukugcina i-Rs 1000 elungileyo egcinwe kwikona yesipaji ihlala inceda kwiimeko ezingxamisekileyo.
Landela iindleko kwi-tracker yeendleko
Ukuba awusebenzisi i iindleko tracker, kufuneka ukhuphele enye ngoku, kwaye uqalise ukubhala phantsi iindleko zakho. Ispreadsheets zilungile, kodwa ngokunyanisekileyo, uhlala rhoqo kangakanani ekuhlaziyeni i-spreadsheet tracker yakho?
Siqulunqe uluhlu lwezona zixhobo zisi-8 zokujonga iindleko ezigqwesileyo ezifumaneka kuGoogle Play kunye ne-iOS App Store. Enye yezo setyenziso ngokuqinisekileyo iya kuhambelana neemfuno zakho zokulandela umkhondo kakuhle.
Ii -apps zisusela kwezo zingenangxaki ukuya kwezo zilandelela utyalo-mali lwakho, imali mboleko kunye nokunye okuninzi. Uninzi lwee-apps zinento yohlahlo lwabiwo-mali, nazo.
Kukho intetho edumileyo ethi "Into oyilinganisayo, iyakhula". Oku kuyinyaniso ngokukodwa kwiinjongo zemali. Ukuba awukwazi ukulinganisa apho iindleko zakho zisingise khona, utyalo-mali lwakho kunye neenjongo zokonga zisenokungenzeki kakuhle.
Nje ukuba uqalise ukulandelela iindleko zakho, ungazabela ngokufanelekileyo kwicandelo ngalinye.
Ungajonga kwakhona kwinkcitho engenangqondo (umzekelo, ukuchitha kakhulu kulonwabo lwempelaveki) kwaye udale iinjongo ezibambekayo zemali.
Tyala imali kwiPPF, kwiiBonds/Shares okanye kwiRecurring Deposit
Nokuba ungumntu othatha umngcipheko okanye ulumkile ngemali yakho, kufuneka uqale ukutyala imali eyi-15 - 20% yomvuzo wakho.
Iinjongo zotyalo-mali ziyahluka - abanye abantu batyala imali kwimbuyekezo engcono kwinjongo yezemali kwikamva elingekude, ngelixa abanye abantu begcinela ukwaluphala okanye kwingxakeko yezonyango engalindelekanga okanye ixesha elibi. Nokuba zithini na iinjongo zakho, utyalo-mali luyimfuneko, kwaye kwangethuba uqala ukutyala imali, kokukhona kungcono.
Ngelixa utyala imali, kufuneka wenze uphando ngononophelo lwe
- imbuyekezo utyalo-mali luya kunika kunye nohlobo lwembuyekezo, umz. inzala kuphela, isixa-mali esiyintloko+ inzala, njl.
- ixesha lokuvuthwa, ixesha lokuhlawula inzala, kunye neenzuzo zokwandiswa okunokwenzeka kotyalo-mali.
- umngcipheko onxulumene.
- iintlawulo ezifihliweyo, ukuba zikhona.
Izitokhwe kunye neebhondi ziimarike ezinkulu zotyalo-mali ukuba uzimisele ukuthatha umngcipheko ngemali yakho. Kukho kwakhona imarike evelayo yeengxowa-mali ezifanayo kunye ETFs ukuba ungumthathi-mngcipheko obaliweyo.
Ukuba iibhanki zilukhetho lwakho lweziko lezemali elithembekileyo, yiya kwi-PPF okanye idiphozithi eqhubekayo. I-PPF idla ngokuba nomhla wokuvuthwa weminyaka eli-15 kwaye ifanele utyalo-mali lwexesha elide.
I-Recurring Deposit (RD), apho kufuneka udipozithe isixa-mali esibekiweyo nyanga zonke, yeyona ilufaneleyo utyalo-mali lwexeshana elifutshane.
Zombini i-PPF kunye ne-RD zinenzala engcono kunenzala yangoku ye-akhawunti yogcino lwebhanki (ukusukela ngoSeptemba wama-2020).
Ukuzisa ukulinganisa ityuwa kwakhona, njengetyuwa eninzi kwisitya, kutshabalalisa incasa. Utyalo-mali oluninzi kwicandelo elinye luchaphazela ipotifoliyo yakho yezemali. Yabela izinto zakho ngobulumko ukuze ufumane inzuzo ephezulu kutyalo-mali lwakho ngamaxesha anceda iinjongo zakho zobomi.
Thenga i-Inshurensi yezeMpilo okanye wenze iiNtlawulo zaNyanga le
Ngokwengxelo epapashwe yi-India Brand Equity Foundation, isixa-mali se-inshorensi yobomi eqokelelwe eIndiya ikhule ngaphezulu kwe-Rs. I-4. 5 yezigidigidi ukusuka ku-2012 ukuya ku-2020.
Ungatyala imali kwi-inshurensi yobomi okanye kwi-inshurensi yexesha ngokuxhomekeke kwiimfuno zakho kunye nohlobo lokhuseleko olufunayo.
Umkhondo wakho wotyalo-mali unokukwazisa ngeentlawulo ezizayo zeprimiyamu.
Ukuba ukukhupha isixa sepremiyamu ngaxeshanye kugungqisa uhlahlo lwabiwo-mali lwakho, unokukhetha intlawulo yenyanga yeepremiyamu okanye ugcine inyanga nganye kwiintlawulo ezizayo.
Thenga into enye eyakwenza wena okanye umntu omthandayo onwabe
Ukonga kunye notyalo-mali kulungile, kodwa akufuneki sijike sibe ziirobhothi ezonga imali ekuphumezeni iinjongo zethu zemali.
Akufunekanga siyeke ukuphila ngoku ukuze sigcinele ikamva elingekhoyo.
Ukugcina ukubona kude phakathi kwemida, kufuneka sizibandakanye kulonwabo lobomi kwaye singazibandeli izinto ezisenokungabi naxabiso elikhulu ngokwemali kodwa ezinokusizisela ulonwabo esilufunayo sonke.
Ke ngoko lithengele iqabane lakho loo ntyatyambo, zifumanele esi sipaji ubusijongile kangangexesha elithile, okanye buyisela ifowuni yakho yesitshixo yefowuni nge-smartphone.
Ngoxa imali eyongiwe inokubalwa, ulonwabo oluziswa sisipho esincinane kuthi okanye kwabo sibathandayo luxabiseke gqitha.
Nikela kwiNgxowa-mali okanye kwiSisa
Ngokomntu, ndikholelwa ukuba iinjongo zethu zemali kufuneka zibandakanye isizathu sesisa okanye injongo yokunikela.
Ivakale njengenyani?
Ewe, inokuba njalo, kodwa khawube nomfanekiso-ngqondweni wehlabathi apho wonke umntu ecinga ngesiqu sakhe kunye neentsapho zakhe ngaphandle kokunceda amahlwempu nabacinezelekileyo. Iya kuba lihlabathi elikrwada elinomahluko omkhulu kwezemali.
Ukuba nikwazile ukuzifumanela ubomi obutofotofo, yimbopheleleko yokuziphatha ukuba ninikele uncedo ngendlela yokunikela kwimibutho yoncedo, kwinjongo ethile, okanye nasekuncedeni amahlwempu asekuhlaleni kancinane.
Ungaqala kancinci. Kukho imibutho emininzi, esebenzayo, ecela iminikelo encinci yokuxhasa imfundo yomntwana. Unganikela nangenkxaso-mali yoncedo.
Unokunceda ngendlela yakho encinci abantu abacela amalizo ngaphandle kwesikhululo sikaloliwe okanye kwisikhululo sikaloliwe. Ukupha yinto elungileyo. Ngaphandle kokuba sinikela, asinakukwazi ukufumana intabalala esigcinelwe yona yindalo.
Ngaba unazo iingcebiso malunga nezinto ezingcono onokuthi uzenze xa ufumana umvuzo wakho?
Ukuba ewe, zive ukhululekile ukucebisa abo bakwizimvo ezingezantsi. Sisenokubandakanya oko!
Shiya iMpendulo