Ingabe ugula ukulahlekelwa imali emakethe yamasheya?
Ungakhathazeki; awuwedwa.
Abadayisi abaningi abangenalwazi benza amaphutha alula angase agwenywe. Lokhu okuthunyelwe kuzodlula emaphutheni ayi-15 aphezulu abathengisi be-novice abawenzayo nokuthi bangawavimba kanjani.
Lawa maphutha angase abize, kusukela ekuhlulekeni ukuba nohlelo oluqinile lokutshala izimali kuya ekuhlulekeni ukuhlukanisa iphothifoliyo yakho. Nokho, ngolwazi oluncane kanye nesu elicophelelayo, ungathuthukisa umdlalo wakho wokuhweba futhi uqale ukubona imbuyiselo yangempela.
Kungakhathaliseki ukuthi umusha ekuhwebeni noma uchwepheshe onolwazi, leli phepha lizokusiza ukuthi ugweme izingibe ezivamile futhi ube umthengisi osebenza kahle kakhulu. Ngakho-ke hlala uphumule, uphumule, futhi ulungiselele ukufunda ukuhweba njengengcweti!
Ukubaluleka Kokugwema Amaphutha Njengomhwebi
Ukugwema amaphutha njenge-a umthengisi ubalulekile empumelelweni. Iphutha ngalinye lingakubiza imali futhi kulimaze isithombe sakho. Kodwa, okubaluleke nakakhulu, ukugwema amaphutha kungasiza ekuthuthukeni kwakho njengomthengisi.
Ungathuthukisa amaqhinga akho, upholise amakhono akho, futhi ekugcineni ube ngumhwebi osebenza kahle ngokufunda ekuhlulekeni kwakho.
Ukugwema amaphutha njengomthengisi kungase kuzwakale kulula, kodwa akulula njengoba kubonakala, ikakhulukazi kulabo abasha emdlalweni. Ukuqinisekisa impumelelo, kubalulekile ukujwayelana namaphutha ajwayelekile okwenziwa abahwebi.
Ngokwazi okufanele ukubheke, ungagwema ukwenza lawa maphutha futhi uzibekele impumelelo. Ngakho-ke, ungesabi ukwenza amaphutha uma ufunda kuwo!
1. Ukweqa Ngaphandle Kohlelo
Umhlaba wokuhweba ungakhanga, ikakhulukazi ngokukhuphuka kwakamuva kwabatshalizimali baseNdiya ngenxa yalolu bhubhane.
Kodwa-ke, ukutshuza emhlabeni wokuhweba ngaphandle kwecebo kuyindlela yenhlekelele. Eqinisweni, abadayisi abaningi baseNdiya bawele kulolu gibe, bagxumela ngaphandle kwesu elicacile, kodwa bagcina belahlekelwe yimali yabo.
Kufana nokuthatha uhambo ngaphandle kwemephu noma i-GPS. Impela, ungase ugcine ufinyelele lapho uya khona, kodwa kuzothatha isikhathi eside futhi kube uhambo oluhamba phambili. Okufanayo kusebenza ekuhwebeni.
Ngaphandle kohlelo oluqinile olukhona, uzobe uqagela futhi uthatha ubungozi obungakubiza isikhathi esikhulu.
Ngakho-ke, uma ucabanga ukujoyina umhlaba wokuhweba, qiniseka ukuthi uhlela kusengaphambili. Zinike isikhathi sokuzifundisa, uqonde imakethe, futhi uzibekele imigomo enengqondo. Ngithembe wena i-akhawunti yasebhange ngizokubonga ngakho.
2. Ukujaha I-Hot Stock
Ukutshala imali ku stock market ihlale ijabulisa, ikakhulukazi uma uzwa ngesitoko esithile esisebenza kahle kakhulu futhi esikhiqiza izihloko zezindaba.
Isifiso sokugxumela ku-bandwagon singase sibe namandla, kodwa kubalulekile ukukhumbula ukuthi imakethe yamasheya iyindawo eguquguqukayo lapho kungenzeka noma yini noma nini.
Ngeshwa, abadayisi abaningi abangenalwazi babanjwe ngomdlandla futhi bagcine belandela isitokisi esishisayo ngaphandle kokugcwalisa ukuhlaziywa okufanele.
E-India, isibonelo esisodwa ukweqa kwakamuva kwe-Adani, ebisebenza kahle kakhulu ezinyangeni ezisanda kwedlula. Nokho, isitokwe sabe sesincipha, okwaholela ekulahlekelweni okukhulu kwabaqageli abaningi.
Ngaphambi kokutshala imali, kubalulekile ukwenza ucwaningo olunzulu futhi uqonde izingozi ezingaba khona kunokungena ngaphandle kwesu.
Kuvame ukulinga ukuhamba nokugeleza, kodwa njengomthengisi, kufanele ugcine upholile futhi wenze izahlulelo ezifundisiwe ezisekelwe ekutadisheni nasekuhlaziyeni.
3. Ukuvumela Imizwa Iqhube Izinqumo
Ukuvumela imizwa iqhube izinqumo zakho kuyindlela eqinisekile yokugcina ulahlekelwa imali emakethe yamasheya. Njengomhwebi, kubalulekile ukugcina ikhanda elisezingeni eliphezulu futhi unamathele esu lakho, kungakhathaliseki ukuthi unamathele kangakanani ngokomzwelo esitokisini. Ngeshwa, lokhu kulula ukukusho kunokukwenza.
Wake wakhangwa isitoko kangangokuthi wephula yonke imithetho yakho?
Yilokho kanye okwenzeka nge-Deepak Nitrite kimi. Naphezu kokuthatha amahora amaningi okucwaninga, ukunamathela kwami ngokomzwelo kwaholela ekutshalweni kwezimali okukhulu futhi ekugcineni, nokulahlekelwa okukhulu. Kuyisifundo esitholiwe kanye nesikhumbuzo sokuhlala unamathele esu lakho.
Isifundo engasithola ukuthi, njengomtshali-zimali wesikhathi eside, kulungile ukunamathela ngokomzwelo esitokweni ebesilokhu sisebenza kahle. Kodwa-ke, njengomthengisi, imizwa ayinayo indawo emdlalweni.
Namathela esu lakho, gcina ikhanda elisezingeni, futhi ungavumeli imizwa yakho ishayele izinqumo zakho.
4. Ukubukela phansi Amandla Ocwaningo
Njengomhwebi, kulula ukubanjwa yinjabulo yemakethe futhi ucabange ukuthi unolwazi oluqinile ngezinto. Ngesikhathi sokuvalwa, ngaqala ukufunda izindatshana ezimbalwa futhi ngabhalisela inqwaba yamavidiyo e-YouTube ahlobene nokuhweba.
Ngangizethemba ngokweqile, ngikholelwa ukuthi ngangiqonda okwanele ukuba ngenze imisebenzi yezandla ngaphandle kokwenza ucwaningo olufanele. Nokho, lesi simo sengqondo sangibiza imali kanye nesikhathi esibalulekile engangingasichitha ngifunda okwengeziwe.
Ukuhweba kudinga ucwaningo oluningi. Ikuvumela ukuthi wenze izinqumo ezinolwazi, ugweme izingibe ezingaba khona, futhi usebenzise amathuba. Yenza iphutha lokucabanga ukuthi wazi konke noma kuye ngemibono yabanye.
Zinike isikhathi sokucwaninga amathrendi embonini, funda imibiko yezezimali, futhi uhambisane nezindaba ezintsha. Ukutshala imali olwazini lwakho nasekuqondisiseni kwakho kuzoletha izinzuzo esikhathini eside.
5. Ukuziba Ukuhlukahluka
Uma kukhulunywa ngokuhweba, ukuhlukahluka kungenza umehluko emhlabeni. Cabanga nje ubeka wonke amaqanda akho kubhasikidi owodwa, bese ubona okuphansi kuyawa. Yilokho kanye okungenzeka uma uziba amandla okuhlukahluka. Ngeshwa, iphutha elenziwa abadayisi abaningi kakhulu.
Ngizibonele mathupha. Abangane, ozakwabo, kanye namalungu omndeni imbala, bonke babeka imali yabo abayisebenzele kanzima esitokweni esisodwa, babone iwa. Kodwa uma usabalalisa ukutshalwa kwezimali kwakho, unciphisa ubungozi bakho. Uzivikela ekushaqisweni kwemakethe futhi uzinikeze ithuba elingcono lokuphumelela ngokuhamba kwesikhathi.
Futhi ake ngikutshele, njengomuntu oke waba khona, kuyisifundo okufanele usifunde. Ngokwami, angizange ngenze iphutha lokuziba ukuhlukahluka. Ngangiwumtshali-zimali ozimisele kusukela ekuqaleni, futhi ngangazi ukubaluleka kokusabalalisa izimali zami ezitshaliwe ezimpahleni ezihlukahlukene.
6. Ukuhaha
Ukuba nobugovu emakethe yamasheya kufana nenkemba esika nhlangothi zombili. Ngakolunye uhlangothi, ufuna ukubambelela kuhwebo oluwinayo isikhathi eside ngangokunokwenzeka ukuze wandise inzuzo yakho. Ngakolunye uhlangothi, ukubamba isikhathi eside kungaholela emathubeni aphuthelwe kanye nokulahlekelwa okukhulu.
Yilapho engingena khona – kade ngikhona, ngakwenza lokho!
Nginecala ngokugcina ukubuka kwami kugxile enkokhelweni enkulu futhi ngibambelele ekuhwebeni isikhathi eside kakhulu. Kuhlala kuwumshikashika phakathi kokufuna ukusebenzisa ngokugcwele isimo esihle nokwazi ukuthi uzokwehlisa nini ukulahlekelwa kwakho. Kodwa hey, singabantu kuphela, akunjalo?
Mina ngokwami ngizibekele inzuzo engu-15% uma ngi ukuhweba ngokuswayida, kodwa ngezinye izikhathi umfutho wesitoko ungase ube namandla kangangokuthi ngishanelwa yinjabulo futhi ngibambe isikhathi eside kakhulu. Kuphela ngizozisola kamuva lapho isitoko siwela ngaphansi kwethagethi yami.
Ngakho-ke, nakuba kubalulekile ukuhaha ngezinga elithile, kubalulekile ngokufanayo ukwazi ukuthi kufanele udedele futhi udlulele ekuhwebeni okulandelayo. Leyo yibhalansi ethambile ye ukuhweba ngamasheya kanye nesihluthulelo sokugwema ukulahlekelwa okukhulu.
7. Ukwehluleka Ukuhlala Unolwazi
Ukuhlala unolwazi kubalulekile ukuze uphumelele kunoma yimuphi umsebenzi, okuhlanganisa nokuhweba. Ngeshwa, abathengisi abaningi basalela emuva ezindabeni ezintsha, amathrendi, kanye nemininingwane ezimakethe zabo abazithandayo. Ukuziba ukuhamba kolwazi kungase kube iresiphi yenhlekelele, kungakhathaliseki ukuthi kungenxa yokuntuleka kwesikhathi, ugqozi, noma ukuba matasa kakhulu.
Zibone ngeso lengqondo uthola ukuthi inkampani osiphethe isitoko sakho ibihileleke engxabanweni enkulu noma yenze isitatimende esibalulekile esithinta inzuzo yayo.
Hawu! Kungazelelwe, lokho okubonakala kuwutshalomali olubi kwehle kakhulu, kukushiya uzizwa sengathi ulahlekelwe. Yingakho kubalulekile ukwaziswa.
Ngokuhlangenwe nakho kwami, ukubekela eceleni imizuzu embalwa usuku ngalunye ukufunda izindaba nokwenza ucwaningo olufushane kungenza umehluko omkhulu emisebenzini yami.
Kubalulekile ukuqonda ukuthi kwenzakalani, uhlale unolwazi lwakamuva mayelana nezitayela zemakethe, futhi uqaphele noma yiziphi izimpawu ezibomvu. Ungenza izahlulelo ezifundile futhi uhlale ngaphambi komdlalo uma unolwazi olufanele.
8. Ukuthembela Kakhulu Ekusebenziseni Inzuzo
Ekuhwebeni, amandla angase abe inkemba esika nhlangothi zombili. Nakuba kungase kukhuphule inzuzo yakho, kungandisa nokulahlekelwa kwakho. Isebenza ngendlela efanayo ne-nitro-boost emotweni yomjaho ngoba inyusa isivinini ngenkathi yandisa namathuba okuphahlazeka.
Kungakho kubalulekile ukuqapha lapho uncike kakhulu esilinganisweni.
Kungcono ukuyisebenzisa njengethuluzi kunokuba uyivumele ukuthi ikutshele ukukhetha kwakho kokuhweba. Umhwebi kufanele azi ukuthi kufanele asebenzise nini amandla kanye nesikhathi sokuhamba ngasogwini, njengoba nje nomshayeli wemoto yomjaho kufanele azi ukuthi kufanele asebenzise nini i-nitro nokuthi agudle nini.
Esinye isibonelo enganginaso kwakungenkathi ngisebenzisa amandla okuthenga okwakuhamba kahle ngaleso sikhathi kodwa kwasheshe kwaya eningizimu. Ngamangala, futhi ngingakakwazi, i-akhawunti yami yayibhalwe ngokubomvu. Lokho kwangifundisa ukuqaphela kakhudlwana ukuthi kungakanani amandla engangikusebenzisa futhi ngihlale nginohlelo oluyisipele endaweni lapho kwenzeka izinto ahambanga kahle.
9. Ukungabi Nesu Lokulawula Ubungozi
Uma kuziwa ekuhwebeni, kubalulekile ukuthi kube nesu elikhona lokubhekana nokukhuphuka nokwehla. Kufana nokushayela emgwaqeni omuhle osezintabeni ngaphandle kwamabhande ezihlalo noma umshwalense wezimoto ofanelekayo uma ungenalo isu lokulawula ubungozi.
Ungase ube nesikhathi esimnandi, kodwa ijika elilodwa elingalindelekile emgwaqweni lingashintsha ngokushesha injabulo ibe inhlekelele.
Yingakho ngokuvamile ngihlose isilinganiso sengozi-kuya-umvuzo okungenani esingu-1:2. Lokhu kubonisa ukuthi kuwo wonke ama-rupees engikulungele ukuzifaka engozini, ngifuna ukuzuza ngama-rupees amabili.
Lokhu kuyangisiza ekunqumeni usayizi wesikhundla sami, okuyinani lamasheya noma izinkontileka engizithatha lapho ngihweba. Ngikwazi ukulala ngokunethezeka ebusuku ngoba nginendlela enhle yokulawula ubungozi, ngisho nalapho izimakethe ziguquguquka.
10. Ukungazi Ubuntu bakho
Zicabange ungumhwebi wokushwibeka ozinzile futhi obala, ukuze ulingwe izwe elisheshayo lokuhweba nge-intraday ngoba wonke umuntu oseduze nawe uyabulala. Uzwakala ujwayelekile?
Yilapho ukubaluleka kokwazi ubuntu bakho, noma njengoba sithanda ukukubiza kanjalo, i-KYP (Yazi Ubuntu Bakho), iqala ukusebenza. Njengoba nje ubungeke utshale esitokweni ngaphandle kokwenza konke okusemandleni akho, akufanele ugxumele esu lokuhweba elingahambelani nobuntu bakho.
Ukungaqondi ukuthambekela kwakho, okuncamelayo, kanye nemikhawulo yakho kungaholela emiphumeleni eyinhlekelele nokugeja amathuba. Ngakho-ke, ngaphambi kokuthi uchofoze leyo nkinobho yokuthenga, thatha isinyathelo emuva, zindla ngokuthi ungubani njengomhwebi, futhi uqiniseke ukuthi isu olikhethayo lifana nomdlalo owenziwe ezulwini ngobuntu bakho obuyingqayizivele.
11. Ukukholelwa Ezinhlelweni Zokuceba Ngokushesha
Ukukholelwa ezinhlelweni zokuceba ngokushesha kuyiphutha elivamile phakathi kwabahwebi abasha. Babona abangani babo benza imali ngokushesha futhi bacabange ukuthi nabo bangenza okufanayo. Kodwa iqiniso liwukuthi, uma kuzwakala kukuhle kakhulu ukuba yiqiniso, mhlawumbe kunjalo. T
ipayipi okuthiwa “amathiphu” kanye namaqembu e-telegram athembisa ingcebo ebusuku ngokuvamile imikhonyovu eshiya abahwebi benamaphakethe angenalutho namaphupho ashabalele.
Imakethe yamasheya akuyona indawo yokwenza imali ngokushesha. Kudinga isineke, isiyalo, nesu elihlelwe kahle. Indlela eya enkululekweni yezezimali yinde, kodwa umvuzo uwufanele.
Ngakho-ke, esikhundleni sokuwela izikimu zokuceba ngokushesha, gxila ekwakheni isisekelo esiqinile sohambo lwakho lokuhweba. Zifundise, yenza uhlelo, futhi unamathele kulo. Khumbula, ukunensa nangokuzinza kuyawunqoba umjaho.
12. Ukuba Nomfutho Ngezentengiselwano
Ukuhweba okungenangqondo kwenzeka lapho wenza izahlulelo ezisheshayo, ezithinta imizwa ngaphandle komcabango owanele noma uphenyo. Kuyinkinga yakudala yabathengisi ababanjwa ukushisa kwamanje futhi benze izinqumo ezisheshayo ezingase zibuyisele emuva.
Isiyalo singesinye sezici ezibaluleke kakhulu zokuhweba ngempumelelo; ukuhweba ngokuxhamazela kungaphonsa leso siyalo ngefasitela.
Isihluthulelo sokugwema ukuthengiselana ngokuxhamazela ukuba nohlelo oluhle futhi unamathele kulo, noma ngabe kubonakala sengathi wonke umuntu wenza imali ngebhakede.
Kungcono ukuhlala eceleni futhi ulinde ithuba elihle kunokwenza umnyakazo osheshayo ongakulimaza. Ngamanye amazwi, ngezinye izikhathi ukungenzi umsebenzi kuhle kunokwenza okubi kakhulu.
13. Ukubambelela Kwabahluliwe Isikhathi Eside Kakhulu
Abahwebi bavame ukuwela ogibeni lokubambelela kulabo abahluliwe isikhathi eside kakhulu. Kunzima ukwamukela lapho ukuhweba kungasebenzi, futhi kunzima kakhulu ukunciphisa ukulahlekelwa kwakho.
Nokho, ukwenza kanjalo kubalulekile ukuze ugcine imali yakho yokuhweba. Izindleko zamathuba yizindleko zamathuba aphuthelwe, futhi kubalulekile ekuhwebeni.
Cabanga ukuthi ugcina ukutshalwa kwezimali okulahlekile kuyilapho imakethe iveza amathuba engeziwe okwenza inzuzo. Ngokwenqaba ukuthengisa amasheya alahlekelwayo, usho imali engaba khona engase izuzwe ngokutshala imali esivumelwaneni esinenzuzo enkulu.
Lesi isijeziso sokulenga kwabahluliwe isikhathi eside kakhulu. Ngenxa yalokho, kubalulekile ukunamathela ekulahlekelweni kwakho kokuyeka futhi unciphise ukulahlekelwa kwakho njengoba kudingeka.
14. Ukudebeselela Ukuqapha Iphothifoliyo Yakho
Ukuhweba kufana nomdlalo we-chess, futhi kubalulekile ukuthi uhlale ubeke iso ebhodini. Ukudebeselela ukuqapha iphothifoliyo yakho kufana nokudlala uvale amehlo - ungase ujikijele imicibisholo ku-dartboard futhi unethemba lokungcono kakhulu.
Sure, Isisho esidumile sikaWarren Buffett mayelana nokutshala imali futhi ukukhohlwa amashumi eminyaka kuzwakala kuheha, kodwa akusebenzi ncamashi emhlabeni osheshayo wokuhweba.
'Izindaba' zigcwala ku-inthanethi, futhi ucezu ngalunye lolwazi lunamandla okuthinta iphothifoliyo yakho. Ngakho-ke, kubalulekile ukubhekisisa ukutshalwa kwezimali kwakho futhi uhlale phezulu kwentuthuko yemakethe. Njengoba nje ungakwazi ukuvele usethe isifundo bese ukhohlwa wukuzulazula, awukwazi ukuvele uthenge izitoko bese ukhohlwa ngazo.
Ngakho-ke, ungayishayi indiva iphothifoliyo yakho; inike uthando nokunaka okufanele!
15. Ukungafundi Emaphutheni
Esinye sezici ezibaluleke kakhulu zokuba umhwebi omuhle ukufunda emaphutheni akho. Akwanele ukumane urekhode amaphutha; kufanele futhi sikhuthalele ukuzilungisa. Ukwenza amaphutha akunakugwenywa ezweni lokuhweba elisheshayo.
Iphutha elibi kunawo wonke wukuhluleka ukufunda kubo. Wonke amaphutha esiwenzayo yithuba lokufunda nokuthuthuka, isitebhisi endleleni yokuba umhwebi ongcono.
Noma ngabe iyehluleka ukuphatha iphothifoliyo yethu, ukubambelela kwabahluliwe isikhathi eside kakhulu, noma ukuwela imikhonyovu yokuceba ngokushesha, kubalulekile ukuthi sicabangisise ngalokho okungahambanga kahle futhi sithole ukuthi singakugwema kanjani ngokuzayo.
Phela, indlela engcono kakhulu yokugwema ukwenza amaphutha afanayo iwukusebenzisa lokho esikufundile ukuze kuzuze thina.
Isiphetho
Hhayi-ke unayo!
Manje kufanele ukuthi usubonile ukuthi ukuhweba kuyinkambu eyinkimbinkimbi futhi eyinselele, kodwa futhi kungaba nomvuzo omangalisayo uma kwenziwa kahle.
Ngokugwema lawa maphutha ajwayelekile, uzoba isinyathelo esisodwa sokusondela ekufinyeleleni izinjongo zakho zokuhweba. Khumbula, lonke iphutha liyithuba lokufunda nokukhula.
Ngakho-ke, yiba nesibindi, ungesabi, futhi uhlale ufunda!
Futhi kwazi bani, ungagcina usuyinganekwane elandelayo yokuhweba. Ukuhweba Okujabulisayo!
shiya impendulo