Ukonga imali iGenerations Z ayinandaba nayo. Iholo eliphilayo ukuze lihole seliphenduke umkhuba ongeke ukwazi ukushintshwa.
Omunye wababhalisile bami ohlwini lwemali wangibuza umbuzo, kodwa ngaphambi kwalokho, wangitshela lokhu:
“Sawubona Aayush, ngihola imali ngisebenza ngizimele kule minyaka engu-2 edlule. Isilinganiso senkokhelo njalo ngenyanga singama-$1800.
Noma kunjalo, anginalutho engingabiza ngalo ukonga noma ukutshalwa kwezimali. Umbuzo wami kuwena uthi, umuntu angayonga kanjani imali njengomuntu oneminyaka engama-24 osanda kuphuma ekolishi ehola imali ezisebenzela yona?”
Manje lowo umbuzo othokozisayo. Uma ungathanda ukungibuza umbuzo, futhi, yeqela ohlwini lwami lwamakheli. Uzothola incwadi yezindaba yamasonto onke kanye nesimemo sokungibuza umbuzo njalo ngeviki.
Izeluleko Zokonga Kunoma ubani Oseminyakeni Yabo-20.
Inkinga enkulu ngeGeneration Z ukucindezela kontanga. Uma usemusha esikoleni esiphakeme noma othile osanda kuphuma ekolishi, ukucindezela kontanga kukuyo yonke indawo.
Okokuqala, susa umqondo odinga ukubukisa ukuthi wenza malini ngokushintsha izinto ezibonakalayo. Akumele uthenge izingubo ezibizayo, amawashi, ubhukhe amasudi kanokusho, nazo zonke ezinye izinto ukukhombisa ukuthi ucebe kangakanani.
Ucebile, futhi uyakwazi. Yilokho kuphela okubalulekile.
Khohlwa ngomhlaba. Phila impilo yakho ngendlela ofisa ngayo. Futhi uma lokho kusho ukuthi ufuna ngempela ukuthenga izinto zikanokusho, nakanjani, yenza kanjalo. Kodwa ungakwenzeli abanye.
Lo mcabango wodwa uzokongela amakhulu amadola njalo ngenyanga.
Dala Isabelomali
Lesi isinyathelo sakho sokuqala sokukhulisa ukonga kwakho ngendlela emangalisayo.
Uma wenza ibhajethi, wazi kahle ukuthi wenza malini nokuthi uzosebenzisa malini, utshale futhi ushiye ku-akhawunti yakho yokonga.
Ukudala ibhajethi kubalulekile ngoba ayikho enye indlela ongaziphendulela ngayo. Udinga ukubona ukuthi ingakanani imali engenayo futhi ephumayo ukuze uqaphele lapho usebenzisa imali ngokweqile.
Izinyanga ezimbili zokuqala zokwenza isabelomali kanye nokulandela uhlelo lwakho lwesabelomali ngokuqinile kuzokukhombisa ukuthi iningi lemali yakho liya kuphi. Futhi yilapho kuphela lapho ungenza okuthile mayelana nezindawo osebenzisa kuzo ngokweqile.
Uzokwazi ukuthola okwenziwayo okuningi obekungagwenywa. Yonke imali oyisebenzisa kakhulu ezintweni akumele ukuphoqe ukuthi ulawule indlela osebenzisa ngayo imali.
Yenza lokhu izinyanga eziyisi-6, futhi uzokonga imali eningi ekushayeleni izindiza okuzenzakalelayo. Ngoba uzovele ugweme ukuthenga izinto, ongazidingi futhi ungaphila ngaphandle kwazo. Yonke leyo mali izoqhubeka inqwabelana ku-akhawunti yakho yokonga.
Try Wallet App by BudgetBakers. Iwuhlelo lokusebenza oluhle kakhulu lokuphatha imali oluxhuma ne-akhawunti yakho yasebhange futhi likuvumela ukuthi ulandelele imali engenayo nezindleko zakho ngokuzenzakalelayo. Iphinde ihlukanise umsebenzi wakho ube yizigaba "Okufunekayo," "Isidingo," kanye "Kumelwe".
Uhlelo lokusebenza oluhle kakhulu, futhi ngilusebenzisa ngokwami kanye nohlelo lokusebenza lwalo, Ibhodi, ngamabhizinisi ami.
Khomba Okufanele Ube Nakho, Izidingo Zingalinda. Okufunwayo kungu-NO-CHA.
Yonke into oyithengayo ingahlukaniswa ngezigaba ezintathu:
- Need
- Ufuna
- kumele
Uma okuwukuphela kwenhloso yakho kuwukonga imali eningi ngangokunokwenzeka okufanele ugxile kukho ukugcwalisa “Okufanele” kwakho. Lokho nakho kushibhile ngangokunokwenzeka. Konke okunye kungalinda.
Izidingo zakho izikweletu zasekhaya eziphindaphindayo kanye nezinye izindleko ezidingekayo ezingeke zishaywe indiva. Njengokukhokha izintela, umshwalanse we mpilo, kanye nemali yasekolishi.
Lapho uqala ukuphila impilo eyongayo nenesizotha, kuyoba lula ukuphatha indlela osebenzisa ngayo imali. Ukonga akusho ngempela ukuba i-chad eshibhile.
Funda indlela yokonga imali ngaphandle kokushibhile.
Kusho nje ukusebenzisa imali ezintweni ozidinga ngokuphelele, nokuthola izindlela zokwenza lokho ngenani elishibhile.
Okufana nokuxoxisana ngokuqasha. Ungazama njalo ukukhuluma nomuntu ukuthi ehlise inani alibuzayo, pho kungani kungenjalo?
Khomba lokho "Okufunayo" futhi ungakunaki ngokuphelele. Ungavumeli imizwa yakho ikulawule.
Uma ucabanga ukuthi uthonywa umcabango wokuthenga okuthile futhi wazi ukuthi umkhiqizo wesigaba esithi “Funa,” vele uthi,” ngizokuthenga kusasa” noma ngizokwenza” kuwena kamuva.
Ezimweni eziningi, isifiso sokuthenga lowo mkhiqizo sizophela.
Yeka Ukuya Ku-Starbucks
Kulungile, hhayi ngokoqobo.
Kuyinto evamile, kodwa umqondo oyisisekelo uwukuyeka ukuya ezindaweni nokuthenga izinto owaziyo ukuthi umosha ngazo imali.
I-Starbucks iyisibonelo sakudala. Izindleko ezimaphakathi zesiphuzo e-Starbucks ngu-$3. Ezinye iziphuzo ezifana neFrappuccino zibiza ngaphezu kwama-$4!
Kuwubuwula. Kungani uchitha imali engaka kokuthile owaziyo ukuthi ungayithola ngentengo ephansi kakhulu?
Umkhuba wokukhokhela ikhofi le-Starbucks udlulela ezicini eziningi zempilo yethu. Asicabangi ngaphambi kokusebenzisa imali kunoma yini eseyiyingxenye yempilo yethu, enhle noma embi.
I-Starbucks iyisibonelo esisodwa nje. Ukukhokhela i-Uber kungenye. Abantu bahlakulela umkhuba wokusebenzisa imali ngoba nje benethezeka ngesevisi noma umkhiqizo benganakile.
Ngaso sonke isikhathi uma usebenzisa i-Uber, awucabangi ukuthi uchitha malini ngoba akusho lutho. Kwenza ukuphila kwakho kube lula, noma okungenani ucabanga ukuthi kuyakwenza.
Ungagcina ngokungayisebenzisi, nangokuthatha isithuthi somphakathi. Kungathatha isikhathi esengeziwe, kodwa cha, i-Uber.
Futhi ngiyakuthola.
Abanye abantu abakwazi nje ukukwenza. Bazisa isikhathi sabo nokunethezeka kwabo ngaphezu kwemali.
Kodwa uma ukwazi futhi uma uthanda, cishe uzogcina amakhulu ambalwa amadola njalo ngenyanga.
Ungaphumeleli Konke Ukwenzela Umndeni Wakho
Izikhathi eziningi lapho uthweswa iziqu futhi uthole umsebenzi wakho wokuqala, noma uqala ibhizinisi eliqala ukukhiqiza inzuzo noma uthanda kuye, uqala umsebenzi ozimele futhi ukhokhelwe, ubungafuna ukuyothengela amalungu omndeni wakho.
Futhi lokho kungokwemvelo, kunjalo. Ukwenza ngothando, ukukhombisa ukubonga emndenini wakho oyigugu. Phela wena uyilento oyiyo ngokwengxenye ngenxa yabo.
Ngakho-ke kuhle ukusebenzisa isheke eliphelele futhi wenze konke ukusebenzela umndeni wakho – kanye. Mhlawumbe kabili.
Kodwa ungakuvumeli kube umkhuba. Ikakhulukazi ngoba uneminyaka engu-20 futhi uzolingeka ukuthi ukwenze njalo. Ngoba kumnandi kakhulu.
Nokho, akumele uye “Konke” njalo. Chitha imali encane ubucwebe obuhle noma iholide lomndeni elisha kulungile.
Ungamane uthatheke futhi uqhubeke nokupompa imali kukho konke okufunwa umndeni wakho.
Abantu abehlukene banezifiso ezahlukene. Umfowenu angase afune okuthile, okunye udadewenu okunye okunye. Ngeke ukwazi ukufeza zonke izidingo zakho kuze kube yilapho usufike endaweni lapho usunephothifoliyo enhle, ukusakazwa kwemali engenayo okuphindaphindiwe, ukungabikho kwesikweletu futhi ufeze izifiso zakho zebhizinisi noma umsebenzi.
Amathuba emisebenzi kwabaningi abafuna umsebenzi awalindi isikhathi eside. Kufanele wenze izinqumo lapho ifika futhi uzilungiselele. Okufanayo kuya ngamathuba ebhizinisi. Uma befika udinga imali ukuze usebenzise isikhundla sakho.
Ingxabano yami iwukuthi uze ufeze imigomo yakho yomsebenzi namaphupho ebhizinisi, konke okunye kungalinda.
Awubenzi kabi abazali bakho. Umane ubambezela injabulo futhi uyenze ibe nkulu nakakhulu.
Futhi bazojabula kakhulu uma usuthole ukuzinza kwezezimali futhi ufeze amaphupho akho.
Uma nganoma yisiphi isizathu umndeni wakho ufuna okwengeziwe, aweneme ngombono wakho wokonga, uyacasuka lapho uhlehlisa iholide noma uphika ukuthenga okuthi “Ukufuna” - phuma. Yilokho kuphela.
Angisho ukuthi kufanele uzilahle, kodwa vele uphume uziqhelelanise. Vumela imizwa yakho iphumule kancane. Yazisa umndeni wakho ukuthi uzimisele kangakanani ngebhizinisi lakho nomsebenzi wakho.
Ngemuva kokuthi uhlele yonke into ngendlela efanele futhi ekugcineni ungakhokhela yonke into abayicelayo, bavumele bangene.
Uma ubusisekile ngokuba nomndeni okuqondayo, bhala yonke into phezulu. Awudingi ngisho neseluleko sami.
Dala Umgomo
Ukudala umgomo kubalulekile ukuze uwufeze. Uma ungenawo umgomo, awunalutho ongakufeza.
Yiba nomgomo wokuthi ufisa ukonga malini ngeminyaka yobudala engama-30, 40, kanye nengama-50.
Beka lowo mgomo endaweni ethile lapho ungawubona khona nsuku zonke. Ukuze uhlale ukhunjuzwa ukuthi idola ngalinye olichithayo lizowuthinta kanjani umgomo. Mhlawumbe wephuza ukuyifinyelela.
Maduze uzolahla ukuthenga okunengwayo futhi uqale ukucabanga ngesikhathi eside.
Imigomo ihloselwe ukuba yesikhathi eside futhi ibe njengentaba. Ungadali umgomo omncane owaziyo ukuthi ungawufinyelela ngaphandle kokwephula imikhuba yamanje yokusebenzisa imali.
Dala imigomo okubonakala kunzima ukuyifinyelela, bese uyayiphishekela.
Qala ama-SIP, Kodwa Ungabuki
Ama-SIP amnandi. Ziyindlela elula yokwakha ingcebo ongayijabulela eminyakeni yakho engamashumi amane. Yilokho uma uhlakaniphe ngokwanele ukuyeka ukubuka isikhwama sokubambisana amanani masonto onke.
Ama-SIP enzelwe ukusetha nokukhohlwa. Ukuhlaziya kwanyanga zonke kwanele ukubona ukuthi uhlale utshaliwe noma ukhiphe imali. I-Mutual Fund SIPs ikusiza ukuthi wakhe ingcebo eningi uma uhlala utshaliwe okungenani iminyaka eyi-10 ngokuhlanganisa imali yakho.
Izimali ze-Equity kulindeleke ukuthi zinikeze inzalo engaphezu kuka-18% okungenani eminyakeni eyi-10 ezayo. Izimali zezikweletu zihlale zinikeza inzalo engu-7-8.5%.
Uma utshala izimali zezikweletu, awudingi ngisho nokukhathazeka mayelana nesilinganiso sezindleko noma i-liquidity. Ungakwazi ukugeza noma nini lapho uthanda, kodwa ngomkhawulo.
Gcina ama-SIP akho esebenza futhi ungawabheki njengoklebe. Awudingi. Tshala imali engu-15k ngenyanga futhi ukukhohlwa akunzima njengoba ungase ucabange.
Yenza Izimali Zakho Ngokuzenzakalelayo
Yenza ngokuzenzakalelayo yonke into uma kuziwa ekongeni kwakho nasekutshaleni.
Manje usunenketho yokwenza ngokuzenzakalelayo ukutshalwa kwezimali esitokweni futhi. Usebenzisa i-Zerodha, ungasetha igunya lokuxhasa ngokuzenzakalelayo i-akhawunti yakho ye-Zerodha Demat. Ungasetha i-SIP ngokwakha obhasikidi besitoko abazozenza ngokuzenzakalelayo ukubulawa ngedethi oyikhethile.
Yenza ngokuzenzakalelayo konke ongakwenza. Setha ama-SIP ezimali ezihlanganyelwe, amasheya, i-NPS (iSigaba 2 uma ufuna i-liquidity) kanye NPS khona manje.
Ungagcini imali engaphezu konyaka ongu-1 yesimo esiphuthumayo ku-akhawunti yakho yokulondoloza. Futhi uma wenza kanjalo, dala i-akhawunti yokulondoloza imali encane noma sebenzisa isici se-Linked FD esinikezwa amabhange afana ne-ICICI ne-Kotak Mahindra ukuze uthole inzalo eyengeziwe engu-2 -3% emalini oyilondolozile.
Uma ungumuntu owazi ngobuchwepheshe, yenza ngokuzenzakalelayo u-2% womholo wakho ukuze uthenge ama-cryptocurrencies oyithandayo. Ngiphakamisa ukuthi uma ungafuni ukuthatha ingozi enkulu, ukutshala imali ku-Bitcoin, i-Ethereum ne-Cardano kungaba okungcono kakhulu.
Kodwa yiba yingxenye yalolu shintsho. Ngisho noma kuyibhamuza, usazokwazi ukwenza imali ngalo. Futhi njengoba uzobe utshala imali engu-2% kuphela yomholo wakho, ubani onendaba uma konke kuqhuma uthuli?
Gwema Multiple Credit Cards
Ngincoma kakhulu ukugwema okuningi amakhadi esikweletu ekuqaleni kweminyaka engu-20. Umuhle kakhulu ngeyodwa nje ngenxa yokwakha a isikolo sesikweletu.
Ngaphandle kwalokho, awudingi ukusebenzisa isikweletu nganoma yini.
Amakhadi esikweletu ayindlela enhle yokusebenzisa imali ngenkathi uzuza amaphuzu okuklomelisa. Kodwa-ke, amabhange afana ne-ICICI akuvumela ukuthi uthole isilinganiso esifanayo samaphuzu omvuzo uma usebenzisa ikhadi labo ledebithi uma kuqhathaniswa namakhadi esikweletu asezingeni labaqalayo, isibonelo, I-Coral Credit Card.
Ngakho-ke asikho isizathu esikhulu sokuthi usebenzise ikhadi lesikweletu esikhundleni sekhadi lasebhange. Vele usebenzise u-5% womkhawulo wakho wesikweletu njalo ngenyanga ukuze ugcine amaphuzu akho esikweletu aphezulu.
Ikhadi elilodwa lesikweletu lanele ukwakha isikolo esinempilo. Vele uqiniseke ukuthi ugcina ikhadi lakho lesikweletu lokuqala lisebenza isikhathi eside ngangokunokwenzeka.
Funda kabanzi Ngezimali Zomuntu
Funda kabanzi. Ngisho noma usufunde izincwadi ezingu-10 ngezimali zomuntu siqu, funda kabanzi.
Qhubeka uzuza ulwazi olwengeziwe mayelana nendlela yokuphatha imali ngaphandle kokuba yisigqila sayo.
Yeka ukufunda izincwadi ezifana nethi “Rich Dad Poor Dad” nethi “Think and Grow Rich”. Inqwaba yalabo okuthiwa abaphumelelayo be-inthanethi abathonya bakhuluma ngalezi zincwadi ezimbili nokuthi bayishintshe kanjani impilo yabo.
Kodwa ungayithengi.
Gwema izikweletu ngazo zonke izindlela. Asikho isikweletu esihle noma isikweletu esibi. Awudingi ingcindezi yokukhokha izitolimende eminyakeni yama-20s. Uma othile ethi kuyingxenye yesiphithiphithi, ukuphuma endaweni yokunethezeka bese uthi blah blah blah, mamatheka, lalela futhi ungakwenzi. Kulula kanjalo.
Ngaphandle uma uyidinga ngokuphelele, njengalapho uthenga indlu, ungacabangi nokuyicabanga.
Ngingathanda ukuqala ngokuthi “Umtshali Wezimali” futhi ukhumbule izimiso ezishiwo kule ncwadi njengeziyisisekelo zakho.
Ngiphinde ngincoma ukuthi ufunde “Ikhofi Liyakwazi Ukutshala imali”, "Indlela ye-Warren Buffet"Futhi"Ngizokufundisa Ukuceba” nguRamit Sethi. Angivumelani cishe no-60% walokho uRamit akushoyo encwadini yakhe, njengokuthenga lelo khofi elingu-$4 nsuku zonke, kodwa muhle kakhulu ekuchazeni okuzenzakalelayo nokubaluleka kokusebenzisa imali okungenacala.
Izame. Funda noma iyiphi yalezi zincwadi ezi-4 bese ufunda ethi Think and Grow Rich noma Rich Dad Poor Dad.
Uzosiqonda isizathu sokuthi kungani ngizizonda izincwadi ezifana no-Rich Dad Poor Dad.
Konke lokhu.
Ngithemba ukuthi uthole isu elilodwa noma amabili ongawasebenzisa ukonga imali eningi kulo nyaka.
shiya impendulo