Uma ubhekisisa ukuziphatha kwezezimali kwabantu abaseduze kwakho, uzoqaphela ukuthi abantu ngokuvamile bawela ezigabeni ezimbili ezibanzi: I-Frugal kanye ne-Spendthrift.
Yebo, uzothola abalinganiselayo. Abantu abonga futhi basebenzise, baningi futhi bayaphana ngesikhathi esifanayo. Sibheka abantu abanjalo ngokwesaba futhi sizibuze ukuthi bakuthola kanjani lokho kulinganisela.
Ngakho-ke laba bantu bachitha kanjani futhi bonge futhi bangabonakali beshibhile?
I-mantra isekudaleni ibhalansi ephelele. Indlela esilinganisela ngayo ukonga nezindleko okusenza sibe baningi ngomqondo wangempela.
Ukonga Nokuchitha noma Ukulondoloza Ngokuqhathaniswa Nokuchitha?
Ake singene emqondweni we-spendthrift. Izinto zokuqala ezifika ezingqondweni zabo lapho bethola iholo labo -
– Ongachitha kukho
– Okulandelayo ukuthenga
– Yiziphi izidingo zami manje
Ngaphandle kokunaka, noma yikuphi, okonga i-dime yesikhathi esizayo, imali echithwayo iyindawo ejabulisayo yokuya enhlanhla. Kodwa lokho kuze kube yilapho iholo lihlala, okuyizinsuku ezingaba yi-10 kusukela ngosuku abayithola ngalo.
Kuyo yonke le nyanga, laba bantu baphila njengabampofu ngemali encane etholwa amalungu omndeni nabangane. Igama elithi 'ukusindisa' liwuhlelo lwekusasa noma umqondo onyanyekayo kubo.
Iqembu elilandelayo - ama-frugals, liphambene nezwe. Laba bantu bahlale bebheke amadili, amadili ashibhe kakhulu azobagcinela imali.
Balwela yonke into futhi babeke izimpilo zabo isikhathi sokuceba esizayo. Ngokwemvelo, leso sikhathi asifiki, njengoba ukuceba kuyisimo sengqondo ngaphezu kokuba ngokoqobo ngokomzimba.
I-frugals yibo abampofu engqondweni, ngisho noma benomholo wezibalo eziyisi-6. Umqondo womuntu owongayo uyazulazula -
– Ukonga
– Ukonga ezindlekweni zamanje
– Ukongela impilo yesikhathi esizayo
Uyonga Kanjani Imali Ngaphandle Kokushibhile
Asikho isigaba esiphakeme noma esingaphansi kwesinye. Abantshontshayo bavamise ukubukela phansi labo abayongayo, kodwa uma imali yabo isiphelile, bafika kwabangenayo ukuze bathole isikweletu sokuphela kwenyanga.
Ngithanda ukubeka umshwana wokuzihlangula lapha wokuthi ukujwayelekile kwami kulokho nje - ukujwayelekile. Akukho okuhloswe kunoma yiliphi iqembu labantu.
Ngicela uthathe ama-generalizations ami ngosawoti omncane, futhi ungazise uma uvumelana noma ungavumelani nawo, ngaphandle kokuba umgxeki noma umgxeki.
Mina ngokwami ngike ngadlula ezintweni ezeqisayo zokusebenzisa imali kanye nokonga. Ngikhumbula ikakhulukazi izinyanga zami zangaphambi kwe-Durga Puja lapho ngangizonga khona njengomuntu ompofu ukuze ngikwazi ukuchitha izandla ezivulekile ngesikhathi se-Puja ne-Diwali, engikwenzile.
Ngemva kukaDiwali, ngangizosala ngingenalutho lokuzondla kuze kufike umholo olandelayo.
Kodwa ngikhule kusukela eminyakeni yami yokuqala yama-20 futhi ngifunde ngokuhlangenwe nakho kwami ukuthi ngingadabula kanjani emanzini anodaka okuthenga futhi ngihlukanise phakathi kwezinto ezifunwayo nezidingo.
Ngiphinde ngahlakanipha ezinhlelweni zami zokutshala imali kanye nezokukhulisa imali.
Ngokusekelwe kokuhlangenwe nakho kwami, kanye nesivivinyo nephutha, ngibhale phansi Izindlela eziyi-10 ezingenangqondo zokonga imali ngaphandle kokushibhile. Qhubeka ufunda, futhi ubone ukuthi zingaki zalezi ongaqala ukuzisebenzisa ngokushesha.
1. Zibekele isabelomali, namathela kuso
Kusho usomabhizinisi uDavid Ramsey - "Isabelomali sitshela imali yakho ukuthi iye kuphi esikhundleni sokuzibuza ukuthi yashonaphi"
Lesi sisho sawushintsha ngempela umbono wami wokwenza isabelomali. Ukuhlelwa kwesabelomali, ngangivame ukucabanga, kwakungenxa yamaphalamende nohulumeni. Yeka indlela okungalungile ngayo!
Noma ubani ohola ngisho izinkulungwane ezimbalwa zamarandi kufanele aqale ngesabelomali. Ukwenza ibhajethi akusizi nje kuphela ukwaba imali ezindaweni ezihlukahlukene ezibalulekile, futhi kuhlela izindleko zakho.
Cishe wonke umuntu unikwe amandla nge-smartphone manje. Kunezinhlelo zokusebenza eziningi zokuphatha Izindleko nebhajethi eza nezici ezisebenziseka kalula, kanye nezikhumbuzi ezifika ngesikhathi.
Lezi zinhlelo zokusebenza zithuthuke kakhulu, zizokukhumbuza neshejuli yakho yokukhokha inhlawulo, izinsuku zakho zokukhokha i-premium nokunye.
Uma kusiza, ungasetha isabelomali sakho sonke izinyanga ezingu-6 noma unyaka kusengaphambili. Hlala uxega kancane ezinyangeni zokugubha ukuze ujabulele imikhosi ngokugcwele.
Ukwenza ibhajethi kukusiza ukuthi ubeke imigomo yakho yezezimali. Ngaphandle kokusetha umgomo, ukuzuza ukulingana ezimalini zakho kungaba nzima.
Uma udinga usizo lokukhetha umphathi webhajethi yezindleko, ungabheka ukubuyekezwa kwethu kwabalandeleli bebhajethi abahamba phambili nezindleko lapha - IZINHLELO ZOKUSEBENZA EZINHLE EZINGU-8 ZOKULANDELELA Izindleko zeNYANGA E-INDIA
2. Yiba ne-Akhawunti ye-RD
Thina maNdiya siyathanda ukonga. Ngokusho kwedatha evela eBhange Lomhlaba, cishe ama-80% amaNdiya anama-akhawunti asebhange. Imodi ekhethiwe yokulondoloza imali yethu inzalo yasebhange.
Nokho, uma kubhekwa izilinganiso zamanje zenzalo ye-akhawunti yokulondoloza (izimayini inikeza u-2.7%), ukunaka kwethu ngokwemvelo kushintshela ku-Recurring Deposits (RD) kanye Nezimali Ezigxilile (FD).
Kokubili i-RD ne-FD zinamazinga aphezulu enzalo ekutshalweni kwezimali kwesikhathi esifushane. Eqinisweni, ama-RD amaningi nama-FD anenzuzo enkulu ekutshalweni kwezimali kwesikhathi esifushane manje.
Ungathola imali efinyelela ku-6% - 8% nge-RD noma i-FD.
Amabhange manje anika amandla ukudonswa okuqondile kwama-RD ku-akhawunti yakho yokulondoloza, okwenza kube lula nakakhulu ukulondoloza. Awudingi ukuya ebhange njalo ngenyanga uyofaka imali ye-akhawunti ye-RD.
Ungakwazi futhi ukuqala i-RD kusukela ephansi njenge-Rs. 500 ngenyanga, isikhathi esingangonyaka noma izinyanga eziyi-15. Pho yini ekuvimbayo ukuthi uzitholele iRD manje?
3. Faka imali kuma-ETF
Uma isifiso sakho sokubeka engcupheni sisihle, ungadlulela ngalé kokonga, futhi uqale ukutshala imali. Kwabaqalayo, ungatshala imali kuma-ETF (Izikhwama Zokuhwebelana Zokuhwebelana). Uma isifiso sakho sokubeka engcupheni siphezulu kancane, Amasheya angaba yingxenye yesu lakho lokutshala izimali.
Ama-ETF angamathuluzi amahle otshalomali lwesikhathi eside. UWarren Buffet, omunye wabatshalizimali abaphumelele kakhulu emhlabeni, ubheka ama-ETF njengethuluzi lokutshala izimali elithembeke kakhulu zokuthatha umhlalaphansi.
Ubufakazi bekusasa yinto egxilile ezingqondweni zethu kusukela ngesikhathi siqala ukuhola. Sivame ukuzwa abadala bethu bethi “yongela ikusasa”. Noma ngabe uGen Z kanye nezinkulungwane zeminyaka bengakunaki ukulalela izeluleko ezinjalo, kunobuhlakani obuningi ekusinakeni.
Uma umsebenzi wakho ungakunikezi uhlelo lwempesheni, kufanele, nakakhulu, uqale ukutshala imali kuma-ETF noma ama-ETF Bond. Kuyinganekwane ukuthi utshalomali olwabantu abaneminyaka ephakathi. Ngokushesha lapho uqala ukutshala imali, uzokhathazeka kancane ngeminyaka yakho ethuthukile.
Ngaphezu kwalokho, lapho uqala ukutshala imali usemncane, unolwazi oluthe xaxa ngezezimali futhi ungakha iphothifoliyo yezezimali elinganiselayo engakusiza uthole amadili angcono kumakhadi esikweletu nezikweletu, uma uyidinga.
Uma ufuna ukwazi izinzuzo zama-ETF, nokuthi zihamba kanjani kangcono ngaziphi izimo kunezitoko nezikweletu, funda okuthunyelwe kwethu kokuthi Ama-ETF lapha .
4. Thenga Ngamakhadi Esikweletu
Sonke sithenga inyanga yonke, kungaba igrosa noma izinto ezidingekayo ekhaya, noma izinto zokubhala noma izingubo. Sonke sikhokha izikweletu zethu kanye nezikweletu zezindlu.
Manje ake ucabange ngaso sonke isikhathi uma ukhokha, uthola okuthile emalini oyikhokhile. Kungaba ngendlela yamaphoyinti omklomelo ongawahlenga kamuva ukuze uthole ezinye izipho, noma kungaba ngendlela yokubuyiselwa kwemali.
Ukuzuza ngokukhokha izikweletu zakho nokuthenga igrosa nezinye izidingo kufana nokuthola isipho sokubuyisela usuku lokuzalwa. Ngokusekelwe emholweni wakho wonyaka, kanye nethrendi yakho yokuthenga, ungafaka isicelo sekhadi lesikweletu elizifanela kangcono izidingo zakho.
Siphinde sibe nesigaba samakhadi lapho sixoxe khona ngamakhadi esikweletu angcono kakhulu atholakala emakethe. Funda wethu ukubuyekezwa kwekhadi lesikweletu ukuze ubone ukuthi yiliphi ikhadi elifanelana kangcono nomkhuba wakho wezindleko.
5. Thenga Ngenqwaba noma nini lapho kunokwenzeka
Sonke sinezinto esizidingayo njalo. Ukuthenga ngobuningi bezimpahla ezinjalo kungasisindisa kalula imali eningi.
Izinto engihlala ngizithenga ngobuningi yizimpahla zegrosa. Ngibheka amadili anikeza ukuthenga okungu-1 thola oku-1 okunikezwayo, noma anentengo enciphe kakhulu uma kuthengwa ngobuningi.
Ngisho nezidingo zansuku zonke ezifana nokusanhlamvu nama-pulses uma kuthengwa ngobuningi kunikeza amanani ancishisiwe. Vele uqiniseke ukuthi unesitoreji esihle esitholakalayo ongasigcina isikhathi eside.
Kukhona nemikhiqizo emisha enezipesheli ezimangalisayo zokuzama imikhiqizo yazo. Qiniseka ukuthi usebenzisa ikhadi lakho lesikweletu ukuze uthenge ngenqwaba ukuze nawe uwine ngamaphoyinti omklomelo.
6. Thenga ngesikhathi sokuthengiswa
Kunezikhathi ezithile zokupha izipho kanye nemikhosi unyaka wonke esihlale siyibheke ngabomvu. Imikhosi isho ukuphana izipho. Kwabanye bethu kumayelana nokupha kunokwamukela ngesikhathi semikhosi.
Wonke amabhrendi anikezela ngokuthengisa okungenani kabili ngonyaka. Indali isikhathi esingcono kakhulu sokuthenga inqwaba yazo zonke izikhathi lapho udinga khona ukupha abazala bakho nabangane nabashana nabashana bakho.
Uma ungenazo izikweletu ezinjalo, usengalangazelela ukuzithengela ngesikhathi sokuthengisa. Ungagcina amakhulu ambalwa kuya ezinkulungwaneni zama-rupee kusuka kumkhiqizo wakho owuthandayo, ngaphandle kokuyekethisa ikhwalithi.
Amasayithi amakhulu e-eCommerce afana ne-Flipkart, i-Myntra ne-Amazon ukuthengisa izikhathi eziningi ngonyaka, futhi kukhona amadili amahle ngempela atholakalayo ngesikhathi sokuthengisa okunjalo.
Ukuthenga ngobuningi, ungonga okungenani izinkulungwane ezimbalwa zama-rupee uma uqhathanisa nokuthi uthenge into efanayo ngaphandle kokuthengisa kulezi zitolo eziku-inthanethi.
7. Beka kuqala
Njengomuntu owayekade ewumlutha wokuthenga, iseluleko esingcono kakhulu sokulondoloza engingakunika sona esokubeka izidingo zakho kuqala.
Ngokuvamile, sibheka esikufunayo esikhundleni salokho esikudingayo. Sisekela injabulo yethu kulokho esikufunayo, futhi lokho kuphawula ukuqala kokudonswa okungenakugwemeka kwemali yethu esiyisebenze kanzima.
Iminyaka eyinkulungwane igxile kakhulu ekuthengeni. Ngibone abantu bechitha ingxenye yomholo wabo bethenga izingubo ezintsha nezitayela zezinwele namakha amasekhondi angu-15 wevidiyo endaweni ethile yezenhlalo! Kuyiqiniso ukuthi isembatho besizohlala lapho ngemuva kokuthi isikhathi sakho senkundla yezokuxhumana sesiphelile, kodwa ngabe ubusidinga kwasekuqaleni?
Thola isheke langempela. Khipha uhlelo lwakho lokusebenza lwebhajethi, bese ubhala phansi zonke izinto ofuna ukuzithenga, bese ubeka inani eceleni kwazo.
Manje zihlukanise ngokwezidingo nezidingo zakho. Isigaba sezidingo sizoba nezinto ozidingayo ukuze uqedele le nyanga. Uhlu lwezinto ozifunayo luzoba nezinto ohlele ukuzithenga ngelinye ilanga kodwa ongakwazi ukuphila ngazo kalula ngaphandle kokuba nazo njengamanje.
Okulandelayo, khipha imali yazo zonke izinto ezisohlwini lwakho lokufunayo. Manje khipha zonke izinto ezikulolo hlu. Nakhoke! Usanda kusindisa okungenani izinkulungwane ezimbalwa zamarandi. Manje usungakwazi ukusebenzisa leyo mali ezintweni eziyisidingo noma gcina ukuze usebenzise kamuva.
8. Thola i-side gig ekhokhayo
Kuyiqiniso elaziwayo ukuthi abacebile abacebi ngokonga, kodwa kunalokho ngokukhulisa umholo wabo.
Manje usune-inthanethi esandleni sakho. Unomshini ongakufundisa amakhono amangalisayo. Kunamakhulu amawebhusayithi amahhala akufundisa ukubhala amakhodi, ukuthunga, ukuklama, ukumaketha kwedijithali nokunye. Ungakha isiteshi se-YouTube futhi ubeke okuqukethwe kwakho ukuze kubonwe umhlaba.
Izindlela zokuphishekela uthando lwakho futhi uzuze kulo azikaze zibe banzi ngaphambili.
Ungakwazi ukusebenza amahora angu-9 nezinsuku ezingu-6 ngesonto, futhi ufunde endleleni yakho yokuhamba, ngezimpelasonto.
Vele ubeke esikhundleni sakho isikhathi sokusebenzisa inkundla yezokuxhumana ukuze ufunde okuthile okusha. Ngonyaka, uzobe uhlomile ngekhono elisha elingakuqalela umthombo omusha wemali engenayo.
Ngena ekufundeni nasekuzuzeni kukho. Uzothola izimali zakho zilinganiselwe.
9. Indlela Yokuphila Enempilo
Ungase umangale ukuthi indlela yokuphila enempilo ingakusiza kanjani ukuthi wonge imali ngaphandle kokubonakala ishibhile. Cabangela lezi zimo ezilandelayo futhi uzihlulele.
Unobulungu bejimu ukuze uzigcine uphilile, kodwa awufikanga ejimini.
Indlela yakho yokuphila yokunganyakazi kanye nemikhuba yokudla iyayishintsha impilo yakho, futhi uvame ukudla amaphilisi ekhanda noma ezokuqeda ingcindezi. Kodwa awunaso isikhathi sokuvakashela ijimu nakuba ukhokhela ubulungu nyanga zonke.
Ususondele ku-40, futhi usuvele uzwa ihlombe eliqandisiwe, i-spondylitis, ukudabuka kwemisipha. Ukuhlolwa kwakho kwamehlo kwaminyaka yonke kubiza ibhomu. Ungena kumaseshini we-physiotherapy we-spondylitis yakho, futhi izindleko ziphinde zehlise amazinyo abukhali kusabelomali sakho sanyanga zonke.
Uma uqaphela, zonke lezi zimo ezingenhla zihlanganisa ukukhokhela odokotela, imithi, ukuhlolwa kanye namaphrimiyamu aphezulu omshwalense wempilo.
Ungehlisa zonke izindleko ezingenhla ngokumane wenze izivivinyo zamahhala nsuku zonke noma zonke izinsuku. Okuncane kuhamba isikhathi eside uma ungaguquguquki ngakho.
Ungazama i-yoga noma ukwelula noma ukugijima noma ukubhukuda. Ungakwazi ukuzijwayeza ukuzindla. Zonke lezi zinyathelo ezincane zingonga amakhulu nezinkulungwane zama-rupee ezingangena ekunakekelweni kwezempilo.
10. Ungadliwa imicabango Yokusindisa
I-Frugality ingaba umlutha futhi. Ngokuvamile, lapho siqala ukonga, sikwenza lokho ngokulahlekelwa yizimfuneko zethu eziyisisekelo.
Ukukhipha yonke isenti esivumelwaneni, amahora amade wokuxoxisana, ukulinda intengo ekuthengisweni ukuthi yehle nakakhulu - lezi yizimpawu ezishaqisayo zokuthi ingqondo yakho isidliwa imicabango yokonga.
Zitholele umshini wokubala bese ubheka ukuthi usuqalile yini ukonga okungenani u-25-30% womholo wakho. Ngisho nokuqala kancane njengoba u-10% uzokwenza.
Uma kunjalo, akukho okumele ukhathazeke ngakho. Cabanga ngemicabango yenala nokuthi ungafunda kanjani ikhono elisha ukuze iholo lakho kanye nokonga kwakho kukhuphuke.
Okokugcina, uma siyeka ukukhathazeka ngokuthi imikhuba yethu yokusebenzisa imali ibonakala kanjani kwabanye, kuzokwenza ukuphila kwethu kube lula. Njengesisho esidumile sithi “ Ukugqoka izingubo ezishibhile nokushayela imoto endala akukwenzi ulahlekelwe yimali, khumbula ukuthi unomndeni okufanele wondle, hhayi umphakathi okufanele uhlabe umxhwele.
Ingabe ufuna ukwengeza ohlwini lwezindlela zokonga imali ngaphandle kokushibhile? Sazise izindlela zakho eziqinisekisiwe zokuthola ibhalansi yokonga izindleko.
shiya impendulo