Ingabe muva nje ubucabanga ukusebenzisa iholo lakho ngendlela engcono kakhulu ukuze ukwazi ukusebenzisa, wonge futhi uqede izikweletu ngaphambi kwesikhathi?
Funda kahle, sikumbozile kulesi sihloko esikhuluma ngezinto eziyi-11 ezibalulekile okufanele uzenze lapho uthola iholo lakho.
Uma ufana nomuntu wami wangaphambili, iholo lakho yilelo bhizinisi elingaqondakali, eliphuphayo eliza ngemva kokulinda isikhathi eside, futhi linyamalale ngokushesha, ngokuvamile lisishiya singazi ukuthi lishonephi.
Njengeningi labantu abaholayo, ngangingenawo amakhono okuphatha imali.
Ngenxa yalokho, ngangizithola ngiboleka imali encane emalungwini omndeni ngasekupheleni kwenyanga ukuze ngithole izinto eziyisisekelo.
njengokuya ehhovisi kanye nase-tiffin.
Lo mjikelezo uqhubekile ngaze ngacabanga ngokujulile, ngabheka amaphethini ami okusebenzisa imali, ngenza ucwaningo ku-inthanethi, futhi ngaqhamuka nalokhu.
Izindlela eziyi-11 ezingenangqondo zokuphatha iholo ngendlela engangisebenzisa ngayo, ngonga, ngisho nokutshala imali - into engangingakaze ngiyenze ngaphambili.
Kuyathakazelisa ukuthi iholo lisuselwa egameni lesiLatini elithi 'sal' elisho 'usawoti'.
Usawoti wawuyigugu njengegolide ezikhathini zasendulo, ikakhulukazi ngenxa yobunzima bokuthengwa kwawo. Ngakho abantu babeholelwa ngosawoti esikhundleni sokuzikhandla kwabo.
Ake silahle i-etymology futhi singene kulezo zinto ezingu-11 ezibalulekile okufanele uzenze ngomholo wakho.
Khokha Eyakho Umbuso Izikweletu
Isigaba sokuqala sezindleko okufanele ubhekane naso yizikweletu zezinsiza. Izikweletu ezisetshenziswayo zifaka irenti, ugesi, izikweletu zamanzi kanye nezikweletu zegesi. Ezinye izinsiza ezengeziwe zihlanganisa izikweletu zefoni, i-inthanethi nezikweletu zekhebula.
Ukuphuthelwa ukukhokhwa kwezikweletu zezinsiza kungase kusho inhlawulo sekwephuzile kanye nokuphazamiseka kwesevisi. Ungazibekela izikhumbuzi ukuze unike amandla inkokhelo efika ngesikhathi.
Engeza ohlwini olungenhla imali yakho yokulungisa indlu kanye nezinkokhelo kubantu besevisi yakho - umshayeli, umpheki nomsizi wasendlini. Laba ngabantu okufanele bakhokhelwe phakathi nezinsuku zokuqala ezingu-7 nyanga zonke, okungcono kakhulu phakathi nezinsuku zokuqala ezi-3 zenyanga.
Khokha Imali Yakho Yezindlu Nezibolekiwe
Okubaluleke ngokulinganayo njengokukhokha izikweletu zezinsiza ukukhokha imali mboleko yakho kanye nemalimboleko. Imali mboleko kufanele ifake noma iyiphi imali ebolekiwe engenayo inzalo. Isibonelo, izikweletu ezithathwe kumalungu omndeni.
Umlando wakho wemalimboleko kanye nokukhokha uthinta eyakho isikolo sesikweletu, ngakho-ke imijikelezo yokukhokha noma inzalo kufanele ithathwe ngokungathi sína.
Isikolo esihle sesikweletu sikwenza ufanelekele amanani emalimboleko amakhulu, uma uwadinga. Ukufaneleka kwe iningi lamakhadi esikweletu futhi kuncike kumphumela wakho wesikweletu.
Khokha i-Credit Card yakho oyikweletayo
Esinye sezicupho zezikweletu ezinonya kakhulu izinkulungwane zeminyaka ewela kuzo ukungakhokhi izimali ezikhokhwa ngekhadi lesikweletu ngesikhathi.
Amakhadi Esikweletu athola inzalo ngenzalo, futhi kufanele uqinisekise ukuthi ukhokha inani lesamba esisele phakathi nenkathi yezinsuku ezingu-50 yokungasitholi isikweletu.
Abantu abaningi bacabanga ukuthi ukukhokha imali encane kuphela edingekayo kuyokwanela. Kodwa-ke, imali encane efunekayo ngokuvamile ihlanganisa kuphela u-5% wemali esele esele futhi ikhokhiswa ukuze kuqinisekiswe ukusebenza kahle kwekhadi futhi kugwenywe izimali ezikhokhwa sekwephuzile.
Usaqoqa inzalo enanini elisele, futhi ngaphambi kokuthi wazi, uzoba nesamba esikhulu semali esele engakhokhiwe + inzalo okufanele ikhokhwe.
Ekugcineni, ama-ejenti omnyango wamakhadi esikweletu aqala ukukuzingela ngezingcingo nokuvakashela ukuze akhokhe inani. Awufuni neze lokho kwenzeke.
Ikhadi lesikweletu liyithuluzi elihle elisizayo ukonga imali.
Kodwa ngaphambi kokuba ulithole, udinga ukwenza ucwaningo ngokuthi yiliphi ikhadi elizohambisana nephethini yakho yokusebenzisa imali. Sikwenzele umsebenzi onzima esigabeni sethu samakhadi. Bheka ukubuyekezwa kwethu okubanzi kwamakhadi, futhi ubone ukuthi yimaphi azokunikeza ukonga okuphezulu.
Igrosa kanye Nezinye Izindleko Zabathengi
Njengokwedatha yezibalo eshicilelwe yi-ValueChampion, amaNdiya asebenzise u-27.9% wemali engenayo ekuthengeni igilosa ngo-2017-18. Lokhu kungaphezulu kwesilinganiso samaphesenti aphakanyisiwe angama-8-10%.
Njengoba iyizwe elithembele kakhulu ekudleni okuphekwe ekhaya, kungase kungenzeki ukwehlisa kakhulu ukusetshenziswa kwegrosa. Ngokufanelekile, uma singagcina ukusetshenziswa kwegrosa phakathi kuka-20-22% womholo wethu, kuzosiza ukugcina ibhalansi yezindleko.
Sekushiwo lokho, umuntu akufanele neze ayekethise ekudleni okunempilo nokudla okunempilo.
Ngingaphakamisa ngokuqinile ngokumelene nanoma yikuphi ukuyekethisa ezindlekweni esigabeni segrosa. Sonke siye sakuqonda ukubaluleka kokudla okunempilo ezikhathini zanamuhla. AmaNdiya abe nezinga eliphakeme lokululama ngenxa yemikhuba yawo yokudla.
Umthetho we-50-30-20
Njengomthetho we-50-30-20 wesabelomali owaduma ngu-Elizabeth Warren encwadini yakhe Konke Okubalulekile Kwakho: Uhlelo Lokugcina Lwemali Yesikhathi Sokuphila, u-50% womholo wakho kufanele uye ezigabeni ezi-3 ezingenhla. Izigaba ezingenhla zihlanganisa izidingo eziphelele futhi zenza kube lula ukuphila emphakathini.
Kuyafaneleka ukwenza izibalo ezisheshayo ngemva kokusingatha izindleko ezigabeni ezi-3 zokuqala ukuze ubone ukuthi izindleko eziphelele zalezi zigaba ezi-3 zingu-50% noma ngaphansi komholo wakho.
Uma indlela osebenzisa ngayo imali kulezi zigaba idlula amaphesenti angama-55 omholo wakho, sekuyisikhathi sokuthi ubambe futhi ubone izindlela zokukuletha ku-50% womholo wakho.
Imali Kubazali, Izelamani, noma Izingane
Iqiniso liwukuthi, iningi lethu lisebenzela abanye.
Abanye kungaba umndeni wethu noma ngisho abangane.
Ngisho ukuthi wenza iphathi nobani ngezimpelasonto? Bangane, akunjalo? Ngisho noma uhlanganisa imali yokuhlangana, ekugcineni uyisebenzisela ukuzijabulisa enkampanini yabangane.
Cishe ubungeke wenze ingxenye yezinto ozenza nabangane ukube uwedwa futhi ungenaye umuntu ongabelana naye ngobumnandi.
Kufanele ngaso sonke isikhathi sibeke phambili imali esiyinikeza izingane zethu njengemali ephaketheni noma imali kubazali ukuze bayisebenzise ezidingweni zabo nasezimfuno zabo.
Lesi sigaba sezindleko akufanele neze sibe esokuzikhethela. Uma sibekela abazali bethu noma izingane zakithi noma izingane iphesenti lomholo wethu, empeleni sisuke sinakekela izidingo zabo kanye nezinto abazifunayo ngaphandle kokuthi zisibuze ngaso sonke isikhathi.
Gcina eceleni izinto zokuhamba nokudla ngezinsuku zokuhamba zasehhovisi
Uma uhamba nge-metro noma izitimela zendawo, qiniseka ukuthi uzitholela ikhadi lokuhamba.
Gcwalisa kabusha lelo khadi nyanga zonke. Uma uthatha ezokuthutha ezengeziwe njengorisho, beka eceleni imali encane edingekayo ohambweni lwakho.
Uma unomkhuba wokuthenga i-tiffin yehhovisi ngaphandle, beka eceleni imali edingekayo ukwenza okufanayo.
Kufanele futhi uzibekele eceleni izinsuku ezimbi lapho kufanele ugibele itekisi ngenxa yemvula noma ngenxa yokwelula amashifu ehhovisi.
Ukugcina i-Rs 1000 enhle ibekwe ekhoneni lesikhwama njalo kusiza ezimeni eziphuthumayo.
Landelela izindleko ku-tracker yezindleko
Uma namanje ungasebenzisi i izindleko tracker, kufanele ulande eyodwa njengamanje, bese uqala ukubhala phansi izindleko zakho. Amaspredishithi alungile, kodwa uma sikhuluma iqiniso, uvame kangakanani ukubuyekeza isilandeleli sakho sesipredishithi?
Sihlanganise uhlu lwezinhlelo zokusebenza ezingu-8 ezihamba phambili zokulandelela izindleko ezitholakala ku-Google Play kanye ne-iOS App Store. Enye yalezo zinhlelo zokusebenza izofanelana nezidingo zakho zokulandelela kahle.
Izinhlelo zokusebenza zisukela kwezingenayo ingxabano ziye kulezo ezilandelela izimali zakho ezitshalile, imali mboleko nokunye okuningi. Iningi lezinhlelo zokusebenza linesici sebhajethi, futhi.
Kunesisho esidumile esithi “Okukalayo kuyakhula”. Lokhu kuyiqiniso ikakhulukazi ngemigomo yezezimali. Uma ungeke ukwazi ukukala ukuthi izindleko zakho ziphokophele kuphi, izinhloso zakho zokutshalwa kwezimali nokonga zingase zingenzeki kahle.
Uma usuqalile ukulandelela izindleko zakho, ungazabela kahle isigaba ngasinye.
Ungaphinda uhlole ukusetshenziswa kwemali okungenangqondo (isb, ukusebenzisa imali eningi ekuzijabuliseni kwangempelasonto) futhi udale imigomo engokoqobo yezezimali.
Tshala ku-PPF, amabhondi/amasheya noma idiphozithi eqhubekayo
Kungakhathaliseki ukuthi ungumuntu othatha ingozi noma uhlakaniphile ngemali yakho, kufanele uqale ukutshala okungenani u-15 - 20% womholo wakho.
Imigomo yokutshala imali iyahluka - abanye abantu batshala imali ukuze bathole imbuyiselo engcono yomgomo wezezimali esikhathini esizayo esiseduze, kuyilapho abanye abantu belondolozela ukuguga noma izimo eziphuthumayo zezokwelapha ezingalindelekile noma isikhathi esibi. Noma ngabe yiziphi izinjongo zakho, ukutshala imali kuyadingeka, futhi lapho uqala ukutshala imali, kuba ngcono.
Ngenkathi utshala imali, kufanele wenze ucwaningo olunzulu lwe
- buyisela utshalomali oluzonikeza kanye nohlobo lwembuyiselo, isb. inzalo kuphela, isamba esiyinhloko+ inzalo, njll.
- isikhathi sokuvuthwa, isikhathi sokukhokha inzalo, kanye nezinzuzo zokunwetshwa okungenzeka kwe-investimenti.
- ubungozi obuhlobene.
- izindleko ezifihliwe, uma zikhona.
Amasheya namabhondi yizimakethe ezinhle zokutshalwa kwezimali uma uzimisele ukubeka ubungozi ngemali yakho. Kukhona nemakethe ekhulayo ye-mutual funds kanye ETFs uma ungumuntu obaliwe othatha ingozi.
Uma amabhange kuyisikhungo sakho sezezimali esithembekile ozikhethela sona, thola i-PPF noma idiphozi ephindaphindayo. I-PPF ivamise ukuba nosuku lokuvuthwa lweminyaka eyi-15 futhi ifanele ukutshalwa kwezimali kwesikhathi eside.
Idiphozithi Eqhubekayo (RD), lapho kufanele ubeke khona inani lemali elimisiwe nyanga zonke, ifaneleka kakhulu ukutshalwa kwezimali kwesikhathi esifushane.
Kokubili i-PPF ne-RD zinezilinganiso zenzalo ezingcono kunezilinganiso zenzalo ze-akhawunti yokonga yamanje (kusukela ngoSepthemba 2020).
Ukuletha ukufaniswa kukasawoti futhi, njengosawoti omningi esitsheni, kubhubhisa ukunambitheka. Ukutshalwa kwezimali okuningi emkhakheni owodwa kuthinta iphothifoliyo yakho yezezimali. Yabelana ngempahla yakho ngobuhlakani ukuze uthole inzuzo ephezulu emalini oyitshalile ngezikhathi ezithile ezisiza izinhloso zakho zempilo.
Thenga Umshwalense Wezempilo noma Khokha Izinkokhelo Zakho
Ngokombiko oshicilelwe yi-India Brand Equity Foundation, inani leprimiyamu yomshwalense wempilo eqoqwe e-India likhule ngaphezu kwama-Rs. 4 trillion kusukela ngo-5 kuya ku-2012.
Ungatshala umshwalense wempilo noma umshwalense wesikhathi kuye ngezidingo zakho kanye nohlobo lwekhava oyifunayo.
I-tracker yakho yokutshala imali ingakwazisa ngezinkokhelo ezizayo ze-premium.
Uma ukukhipha inani leprimiyamu ngesikhathi esisodwa kuphazamisa isabelomali sakho, ungakhetha ukukhokha amaphrimiyamu nyanga zonke noma wonge inyanga ngayinye ukuze uthole izinkokhelo ezizayo.
Thenga leyo nto eyodwa ezokwenza wena noma umuntu omthandayo ujabule
Ukonga nokutshalwa kwezimali kuhle, kodwa akufanele siphenduke amarobhothi okonga imali ukuze sifeze izinhloso zethu zezezimali.
Akufanele siyeke ukuphila manje ukuze silondolozele ikusasa elingekho ngisho nalapho.
Ukugcina ukubona kude kungaphakathi kwemingcele, kufanele sizitike enjabulweni yokuphila futhi singaziphiki izinto okungenzeka zingabi nenani elikhulu ngokwezimali kodwa ezingasilethela injabulo sonke esiyifunayo.
Ngakho-ke thengele umlingani wakho leyo mbali, zitholele leso sikhwama semali obulokhu usibhekile isikhathi esithile, noma shintsha ifoni yekhiphedi kamama wakho nge-smartphone.
Nakuba ukonga kungabalwa, injabulo elethwa isipho esincane kithi ngokwethu noma esibathandayo iyigugu.
Nikela Isizathu noma Inhlangano Empofu
Ngokwami, ngikholwa ukuthi imigomo yethu yezezimali kufanele ifake isizathu sokupha noma umgomo omayelana nokupha.
Kuzwakala kunengqondo?
Nokho, kungenzeka, kodwa ake ucabange ngezwe lapho wonke umuntu ezicabangela yena nemindeni yakhe ngaphandle kokusiza abampofu nabacindezelwe. Kuzoba yizwe eliluhlaza elinokungafani okuningi kwezezimali.
Uma nikwazile ukuziphilisa ngokunethezeka, kuyisibopho sokuziphatha ukwelula usizo ngendlela yokunikela enhlanganweni esiza abantulayo, ekwenzeni okuthile, noma ngisho nokusiza abantu abampofu bendawo kancane.
Ungaqala kancane. Kunezinhlangano eziningi, ezisebenzayo, ezicela iminikelo emincane yokuxhasa imfundo yengane. Unganikela nangezimali zosizo.
Ungasiza ngendlela yakho encane abantu abacela usizo ngaphandle kwesiteshi sesitimela noma esiteshini sikamasipala. Ukupha kuyinto enhle. Ngaphandle kwalapho sipha, asinakuyithola inala esigcinelwe yona indawo yonke.
Ingabe unazo iziphakamiso ngezinto ezingcono ongazenza uma uthola iholo lakho?
Uma kunjalo, zizwe ukhululekile ukuphakamisa labo ekuphawuleni ngezansi. Singase futhi sikufake lokho!
shiya impendulo