Indlela Yokufumana Imali Ngokukhawuleza

Ukufumana imali ngokukhawuleza kunokuba yimfuno engxamisekileyo kwiimeko ezithile, enoba kukuhlawula iindleko ebezingalindelekanga okanye ukusebenzisa amathuba ezoqoqosho. Kule nqaku, siya kuthatha ubugcisa kunye nokungathathi hlangothi kwizicwangciso ezahlukeneyo kunye neendlela zokufumana imali ngokukhawuleza. Ukusuka ekujongeni iinketho zemveli ezinje ngemali mboleko yebhanki kunye namakhadi okuthenga ngetyala, ukuya ekuthatheni ingqalelo iindlela ezizezinye ezinjengokuxhasa ngemali abantu abaninzi kunye nokwabelana ngee-apps zoqoqosho, siza kujonga ngocoselelo kukhetho ngalunye ukukunceda ufumane isisombululo esifanelekileyo kwimeko yakho yezemali. Kulo lonke inqaku, siza kujongana nemiba yobugcisa, imigaqo, inzala kunye neemfuno, ngenjongo yokukunika umbono ochanekileyo kunye nenjongo malunga nendlela yokufumana imali ngokukhawuleza kwaye ngokukhuselekileyo. Ukuba ujonge isikhokelo esicacileyo nesithembekileyo sokufumana imali yokuhlawula amatyala ngokufanelekileyo, ke eli nqaku lenzelwe wena.

1. Intshayelelo yokwenza imali ngokukhawuleza

Ukufumana imali ngokukhawuleza sisihloko esinomdla kubantu abaninzi, nokuba bahlawule iindleko ezingalindelekanga, ukuphuma ematyaleni okanye ukuphucula imeko yabo yezemali. Kule post, siza kukubonisa amanyathelo aphambili ekufuneka uwalandele ukuze ufezekise oku ngempumelelo. indlela esebenzayo kwaye zomthetho.

1. Chonga izakhono kunye nezixhobo zakho: Ukufumana imali ngokukhawuleza, kubalulekile ukuqala ngokuvavanya izakhono zakho ezikhoyo kunye nezixhobo. Ngaba unolwazi oluthile onokulusebenzisa? Ngaba unazo izixhobo okanye izixhobo ezinokwenza ingeniso eyongezelelweyo? Kuyimfuneko ukuchonga le miba ukuze kucwangciswe la manyathelo alandelayo.

2. Phonononga amathuba engqesho yexeshana: Indlela eqhelekileyo yokwenza imali ngokukhawuleza kukusebenza okwexeshana okanye imisebenzi esecaleni. Unokujonga izinto onokukhetha kuzo ezinjengokuhambisa iiflaya, ukusebenza njengomntu osebenza yedwa, ukwenza isitiya okanye ukucoca imisebenzi, phakathi kwezinye. Kukho uluhlu olubanzi lwamathuba akhoyo ukuze alungele izakhono ezahlukeneyo kunye nokufumaneka kwexesha.

2. Izinto eziphambili zokufumana imali ngokukhawuleza

Kukho iindlela ezininzi ezikhoyo zokufumana imali ngokukhawuleza. Enye yezinto eziphambili kukuchonga iimfuno zemarike okanye iingxaki kunye nokubonelela ngezisombululo ezisebenzayo. Oku kunokubandakanya ukuphuhlisa imveliso entsha okanye inkonzo ehlangabezana nemfuno engafezekiyo. Kwakhona kubalulekile ukuphanda imarike kwaye wazi ukhuphiswano lwakho ukuze uhluke kwaye unikeze ixabiso elilodwa.

Enye into ebalulekileyo kukukhuthazwa okusebenzayo kunye nokuthengisa. Isicwangciso esicwangciswe kakuhle nesiphunyeziweyo sokuthengisa sinokukunceda ukuba ufikelele kubaphulaphuli ojolise kubo kwaye uvelise ngakumbi ukhokelo okanye ukuthengisa. Unokusebenzisa ubuchule obunje ngentengiso ye-intanethi, iinethiwekhi zoluntu, ukuthengiswa komxholo kunye ne-imeyile ukufikelela kubantu abaninzi abanomdla kwimveliso okanye inkonzo yakho.

Ukongeza, kubalulekile ukuthathela ingqalelo ulawulo lwemali. Ulawulo lwemali olusebenzayo lubandakanya ukulawula iindleko, ukunciphisa iindleko ezingeyomfuneko kunye nokwandisa ingeniso. Unokucinga ngokuseka izivumelwano zobuchule okanye ukusebenzisana nezinye iinkampani ukunciphisa iindleko zokusebenza. Kwakhona kubalulekile ukuba ube nohlahlo lwabiwo-mali olucacileyo nolwenyani ukuze ugweme ukuchitha imali eninzi kwaye uqinisekise ukuba iinzame zakho zijolise kwimisebenzi enengeniso.

3. Iindlela ezisebenzayo zokwenza imali ngokukhawuleza

Ukuba ujonge iindlela ezikhawulezayo zokunyusa umvuzo wakho, kukho iindlela ezininzi ezisebenzayo onokuzisebenzisa. Nazi iindlela ezintathu eziqinisekisiweyo eziya kukunceda wenze ingeniso eyongezelelweyo ngokukhawuleza nangokufanelekileyo:

1. Ukuqala ishishini kwi-intanethi: I-intanethi inikezela ngamathuba angenasiphelo okuqalisa ishishini kunye nokwenza ingeniso ngokukhawuleza. Cinga ngokwenza ivenkile ye-intanethi, apho unokuthengisa iimveliso okanye iinkonzo kubaphulaphuli behlabathi. Sebenzisa amaqonga e-eCommerce afana neShopify okanye iWooCommerce ukuqalisa ishishini lakho kwi-intanethi. Khumbula ukuba isitshixo sempumelelo kule ndlela kukubonelela ngeemveliso ezizodwa, ezikumgangatho ophezulu okanye iinkonzo.
2. Zibandakanye nomsebenzi ozimeleyo: Amaqonga adumileyo afana ne-Upwork okanye i-Freelancer ikuvumela ukuba ufumane imisebenzi yokuzimela kwiindawo ezahlukeneyo, ezinjengokubhala, uyilo lwegraphic, inkqubo, kunye nokuguqulela. Ukuba unezakhono ezikhethekileyo, unokubonelela ngeenkonzo zakho kubathengi kwihlabathi liphela. Oku kuya kukuvumela ukuba wenze ingeniso eyongezelelweyo ngokusebenza kwiiprojekthi zexesha elifutshane.
3. Utyalo-mali olukrelekrele: Ukuba unemali eyinkunzi ekhoyo, cinga ngokwenza utyalo-mali oluhlakaniphile olubonelela ngembuyekezo yexesha elifutshane. Ungatyala imali kwimarike yemasheya, i-cryptocurrencies, i-real estate okanye imali yotyalo-mali. Ngaphambi kokuba wenze izigqibo zotyalo-mali, qiniseka ukuba uphando ngononophelo kwaye uhlalutye amathuba akhoyo okunciphisa umngcipheko. Ukubonisana nomcebisi wezezimali oqeqeshiweyo kunokuba luncedo ekwenzeni izigqibo ezizizo.

Khumbula ukuba ukwenza ingeniso ngokukhawuleza kufuna ukuzinikela kunye nomzamo. Akukho fomyula yomlingo yokufumana inzuzo kwangoko, kodwa ngokulandela amaqhinga asebenzayo kunye nokusebenzisa ulwazi kunye nezakhono zakho, uya kukwazi ukuphucula imeko yakho yezemali ngexesha elifutshane.

4. Ungayandisa njani inzuzo yakho ngexesha lerekhodi

Ukuba ujonge ukwandisa inzuzo yakho ngexesha elifutshane, kukho izicwangciso eziphambili onokuthi uziphumeze. Okokuqala, kubalulekile ukuba ube nokuqonda okucacileyo kwemarike ojolise kuyo kunye nendlela yokuhlangabezana neemfuno zabo. Yenza uphando olubanzi ukuchonga iimveliso ezifunwa kakhulu okanye iinkonzo kwi-niche yakho kwaye uqinisekise ukuba unikezela ngamaxabiso akhuphisanayo.

Omnye umba obalulekileyo wokwandisa inzuzo yakho kukuseka ubukho obuqinileyo kwi-intanethi. Idala iwebhusayithi ubuchwephesha nobunomtsalane obubonisa iimveliso okanye iinkonzo zakho ngempumelelo. Sebenzisa iindlela zokuthengisa zedijithali ezifana ne-SEO, intengiso kwimidiya yoluntu kunye nokuthengisa nge-imeyile ukufikelela kubaphulaphuli ojolise kubo kunye nokwandisa ukuguqulwa.

Kwakhona, ungawajongeli phantsi amandla omgangatho wenkonzo yabathengi. Nikeza ngokugqwesileyo inkonzo eyenzelwe inokuvelisa ukuthunyelwa kunye nokunyaniseka kubathengi abakhoyo. Qinisekisa ukuba uyisombulula ngokukhawuleza nayiphi na imiba okanye iinkxalabo abathengi bakho abanokuba nazo kwaye ubagcine banelisekile kuyo yonke le nkqubo. Khumbula ukuba yonke intsebenziswano nomthengi lithuba lokwakha ubudlelwane obuhlala buhleli.

5. Izicwangciso zemali zokufumana imali ngokukhawuleza

Ngaloo maxesha xa kufuneka ufumane imali ngokukhawuleza, kukho iindlela ezahlukeneyo zezimali onokuthi uziphumeze. Apha ngezantsi, siza kwabelana ngeendlela ezinokukunceda ufumane imali efunekayo ngoko nangoko.

1. Zivavanye ii-asethi zakho: Ukuba une-asethi onokuthi uyiguqule ngokukhawuleza ibe yimali, njengotyalo-mali okanye iimpahla ongazidingiyo, cinga ngokuzithengisa ukuze ufumane imali efunekayo.

• Ifandesi ye-Intanethi: Unokusebenzisa amaqonga eefandesi akwi-intanethi ukuthengisa izinto ezixabisekileyo, ezifana nezinto zakudala, izinto zombane, okanye iimpahla zomyili.
• Imali-mboleko eqinisekisiweyo: Enye inketho kukufaka isicelo semali-mboleko usebenzisa i-asethi enexabiso njengesibambiso, njengemoto okanye ipropati.

2. Khangela imithombo eyongezelelweyo yengeniso: Endaweni yokugxila kuphela kwizinto onazo ezikhoyo, cinga ngokujonga iindlela ezintsha zokungenisa imali ngokukhawuleza.

• Imisebenzi ezimeleyo: Phonononga amathuba omsebenzi ozimeleyo kumacandelo afana noyilo lwegraphic, ukubhala, inkqubo, ukuguqulela, phakathi kwezinye.
• Indawo yokurenta: Ukuba uneendawo ezongezelelweyo, unokufumana umvuzo ngokuzirenta. Amaqonga afana ne-Airbnb anokukunceda ukuba ufumane abantu abanokuqesha.

3. Sebenzisa iimali-mboleko okanye iikhredithi ezikhawulezayo: Kwiimeko ezingxamisekileyo zezoqoqosho, unokucinga ngokufaka isicelo semali-mboleko okanye iikhredithi ezibonelela ngemali ngokukhawuleza nangokulula.

• Iimali-mboleko zobuqu: Amanye amaziko emali anika iimali-mboleko zobuqu kunye nemvume ekhawulezileyo kunye neemfuneko ezincinci. Ukuphanda kunye nokuthelekisa iinketho ezahlukeneyo kuya kukuvumela ukuba ufumane iimeko ezilungileyo kakhulu.
• Tarjetas de crédito: Ukusebenzisa i-credit card kunokuba sisisombululo sexeshana sokufumana imali ngokukhawuleza, nangona kufuneka uqaphele inzala ehambelana nayo kwaye uhlawule ibhalansi ngexesha ukuphepha iintlawulo ezongezelelweyo.

6. Izixhobo kunye nezixhobo zokukhawulezisa umvuzo wakho

Kweli candelo, sinikezela ngezixhobo ezahlukeneyo kunye nezixhobo eziya kukunceda ukhawulezise umvuzo wakho ngokufanelekileyo. Ezi zixhobo kunye nezixhobo ziyilelwe ngokukodwa ukunyusa iinkqubo zakho kunye nokwandisa inzuzo yakho ngexesha elifutshane kakhulu.

• Isixhobo esibalulekileyo sokukhawulezisa umvuzo wakho liqonga lolawulo Imidiya yokuncokola, njengoko I-Hootsuite o I-Sprout yeNtlalo. Ezi zixhobo zikuvumela ukuba ucwangcise izithuba, ulawule iiakhawunti ezininzi, kwaye uhlalutye ukusebenza komxholo wakho, okuya kukunceda ukwandise ukubonakala kweshishini lakho kwaye utsale abathengi abaninzi.
• Esinye isixhobo esiluncedo kukuthengisa isoftware ezenzekelayo, njenge HubSpot o I-Mailchimp. Ezi qonga zikuvumela ukuba wenze imikhankaso yokuthengisa i-imeyile, uzenzele imisebenzi ephindaphindayo, kwaye ulandele umkhondo wakho kunye nokuguqulwa ngokweenkcukacha. Ukuthengisa okuzenzekelayo kuya kukunceda ugcine ixesha kunye nomzamo, ngelixa ukhulisa umvuzo wakho.
• Ukongeza, kubalulekile ukuba nesixhobo sohlalutyo lwewebhu, esinje Uhlalutyo lukaGoogle o Hotjar. Ezi zixhobo zibonelela ngedatha echanekileyo malunga ne-traffic. iwebhusayithi yakho, amaphepha atyelelwe kakhulu, ukuguqulwa kunye nezinye izikhombisi eziphambili. Ngolu lwazi, uya kuba nakho ukuchonga iindawo zokuphucula kwaye uhlengahlengise isicwangciso sakho sokwandisa umvuzo wakho.

Ukongeza kwezi zixhobo, kukho ezinye izixhobo ezinokuwukhawulezisa kakhulu umvuzo wakho:

• Iikhosi ze-Intanethi kunye nezifundo ezikhethekileyo ziya kukunceda ufumane izakhono ezitsha kunye nolwazi, oluya kukuvumela ukuba unikezele ngeenkonzo ezingcono okanye iimveliso kwaye, ngenxa yoko, wandise umvuzo wakho.
• Ungawajongeli phantsi amandla othungelwano. Ukuthatha inxaxheba kwimisitho kwishishini lakho, ukuya kwiinkomfa kunye nokunxibelelana neengcali ezifanelekileyo kunokuvelisa amathuba amatsha oshishino kunye nokukhawulezisa umvuzo wakho.

Ukusebenzisa ezi zixhobo kunye nezixhobo ngokufanelekileyo kuya kukunika inzuzo yokukhuphisana kwimarike kwaye kukuvumela ukuba unyuse kakhulu umvuzo wakho. Khumbula ukulungelelanisa ezi zixhobo kunye nezibonelelo kwiimfuno zakho ezithile kwaye wenze uninzi lwesakhono sazo. Sukulinda kwakhona kwaye uqale ukwandisa umvuzo wakho ngoku!

7. Ukusebenzisa ihlabathi ledijithali ukufumana imali ngokukhawuleza

Okwangoku, ihlabathi ledijithali lisinika amathuba amaninzi okufumana imali ngokukhawuleza nangempumelelo. Apha ngezantsi kukho izicwangciso kunye neengcebiso eziya kukunceda wenze uninzi lwale ndawo yedijithali kwaye wenze ingeniso ebalulekileyo.

1. Yenza kwaye uthengise iimveliso zedijithali: Indlela enkulu yokwenza imali ngokukhawuleza kukudala nokuthengisa iimveliso zedijithali, ezifana ne-ebooks, izifundo ze-intanethi, iifoto okanye umculo. Ungasebenzisa amaqonga akhethekileyo ukukhuthaza nokuthengisa iimveliso zakho, kwaye wenze ingeniso eqhubekayo.

2. Thatha inxaxheba kwiinkqubo ezihambelanayo: Enye indlela yokufumana imali ngokukhawuleza kukuba ube yinkampani yeenkampani kunye nokukhuthaza iimveliso zabo ngokutshintshisa ikhomishini yokuthengisa nganye. Ukwenza oku, ungasebenzisa iiblogi, iinethiwekhi zentlalo okanye amanye amaqonga yedijithali ukufikelela kubaphulaphuli ekujoliswe kubo kunye nokwandisa inzuzo yakho.

3. Yenza umsebenzi ozimeleyo: Ihlabathi ledijithali lisivumela ukuba sifikelele kwiindidi ezininzi zamathuba omsebenzi njengomntu osebenza ngokuzimeleyo. Unokunikezela ngeenkonzo zakho njengomdwebi wenkqubo, umyili wegraphic, umhleli, umguquleli, phakathi kwabanye, ngamaqonga akhethekileyo okanye ngokwenza eyakho iwebhusayithi. Oku kuya kukuvumela ukuba ufumane imali ngokukhawuleza kwaye uguquguquke, ulungelelanise iimfuno zakho kunye nobuchule bakho.

8. Indlela yokusebenzisa amathuba otyalo-mali ukwenza imali ngokukhawuleza

Utyalo-mali kumathuba anenzuzo kunokuba yindlela enhle yokwenza imali ngokukhawuleza. Nangona kunjalo, kubalulekile ukwenza izigqibo ezizizo kwaye uqwalasele izinto ezahlukeneyo ngaphambi kokuba uqalise. Nazi ezinye iindlela zokusebenzisa amathuba otyalo-mali:

1. Yenza uhlalutyo olupheleleyo: Ngaphambi kokutyala imali kulo naliphi na ithuba, kubalulekile ukwenza uphando olucokisekileyo. Jonga ngononophelo imvelaphi yenkampani okanye iprojekthi onomdla kuyo, phanda imbali yayo yezemali kwaye uhlalutye ukukhula kwayo. Ukongeza, vavanya imingcipheko kunye nemivuzo ehambelana notyalo-mali ekuthethwa ngalo.

2. Yahlulahlula utyalo-mali lwakho: Kubalulekile ukuba ungawabeki onke amaqanda akho kwingobozi enye. Ukwahlula utyalo-mali lwakho kuthetha ukusasaza imali yakho kumathuba ahlukeneyo okunciphisa umngcipheko kunye nokwandisa amathuba akho embuyekezo elungileyo. Cinga ngotyalo-mali kumacandelo ahlukeneyo okanye iiklasi ze-asethi, ezifana nezitokhwe, iibhondi, i-real estate, okanye iimali zesalathisi.

3. Hlala unolwazi: Ihlabathi lotyalo-mali liyaguquguquka kwaye lihlala livela. Hlala unolwazi ngeendaba zamva nje kunye nentsingiselo kwimarike yezemali. Landela iingcali zotyalo-mali, funda iincwadi ezikhethekileyo kunye namanqaku, kwaye uthathe inxaxheba kuluntu lwe-intanethi olunxulumene notyalo-mali. Ulwazi oluhlaziyiweyo luya kukunceda wenze izigqibo ezingcono kwaye usebenzise amathuba anokuthi avele.

9. Iingcebiso zokufumana imali ngokukhawuleza ngaphandle komsebenzi wesintu

Ukuba ujonge iindlela zokwenza imali ngokukhawuleza ngaphandle kokuba nomsebenzi wesintu, nanga amacebiso anokukunceda. Khumbula ukuba ezi ndlela zifuna umgudu kunye nokuzinikela, kodwa zinokukunika ithuba lokuvelisa ingeniso ngaphandle komsebenzi oqhelekileyo.

1. Thengisa iimveliso okanye iinkonzo kwi-intanethi: Indlela entle yokwenza imali ngokukhawuleza kukuthengisa kwi-Intanethi. Yenza ivenkile ye-intanethi kwaye unikeze iimveliso okanye iinkonzo onokunikezela ngazo, ezifana nezinto ezenziwe ngesandla, iinkonzo zokubonisana, okanye izifundo ze-intanethi. Sebenzisa amaqonga e-e-commerce adumileyo anje ngeShopify okanye i-Etsy ukufikelela kubaphulaphuli abaninzi kwaye uqinisekise ukuba uyaziphakamisa iimveliso okanye iinkonzo zakho kwimidiya yoluntu.

2. Yenza umsebenzi ozimeleyo: Ukuba unezakhono ezithile, ezinje ngoyilo lwegraphic, ukubhala, inkqubo yewebhu, okanye ukuguqulela, cinga ukuba ngumsebenzi osebenza ngokuzimeleyo. Bhalisa kumaqonga afana neFreelancer okanye Upwork kwaye uqalise ukukhangela iiprojekthi ezihambelana nezakhono zakho. La maqonga akuvumela ukuba usete amaxabiso akho kunye neeyure, kukunika ukuguquguquka kunye nethuba lokufumana ingeniso eyongezelelweyo.

3. Thatha inxaxheba kuphando lwe-intanethi okanye kwi-microtasks: Ezinye iinkampani zibonelela ngeentlawulo zokugqiba uphando lwe-intanethi okanye ukwenza imisebenzi emincinci, efana nezicelo zokuvavanya okanye ukukhuphela iifayile. Bhalisa ku iiwebhusayithi iisayithi ezithembekileyo ezifana ne-Swagbucks okanye i-Amazon Mechanical Turk, apho unokufumana imisebenzi eyahlukeneyo ekude onokuyenza ngexesha lakho lokukhulula ukufumana imali eyongezelelweyo.

10. Uzisebenzisa njani ngokufanelekileyo izakhono zakho ukwenza ingeniso ekhawulezileyo

Abanye abantu banokuba nezakhono ezithile ezibavumela ukuba benze ingeniso ekhawulezileyo, kodwa kunokuba nzima ukwazi indlela yokusebenzisa ezo zakhono ngokufanelekileyo. Nazi ezinye izicwangciso kunye neengcebiso zokwenza uninzi lwezakhono zakho kwaye wenze ingeniso ngokukhawuleza nangempumelelo.

1. Chonga ezona zakhono zixabisekileyo: Into yokuqala ekufuneka uyenzile kukuchonga ukuba zeziphi izakhono zakho ezixabisekileyo nezifanelekileyo ukwenza ingeniso ekhawulezileyo. Unokucinga ngezo zakhono oyingcali kuzo okanye onamava angaphambili. Umzekelo, ukuba ungumdwebi wenkqubo onobuchule, unokubonelela ngeenkonzo zophuhliso lwesoftware kubathengi abafuna izisombululo zobuchwepheshe.

2. Phanda ngemarike: Ngaphambi kokuba uqalise ukubonelela ngezakhono zakho, kubalulekile ukuphanda imarike apho ufuna ukwenza ingeniso. Chonga abaphulaphuli ojolise kubo kwaye ufumanise ukuba luhlobo luni lwemfuno ekhoyo yezakhono zakho kuloo marike. Oku kuya kukuvumela ukuba ulungelelanise unikezelo lwakho kwaye useke amaxabiso akhuphisanayo. Unokwenza uphando, uhlalutye ukhuphiswano, kwaye uqhagamshelane nemithombo ethembekileyo yolwazi ukuze ufumane umbono ocacileyo wemarike.

11. Ukuphonononga iingozi ezinxulumene nokwenza imali ngokukhawuleza

Xa ukhangela iindlela zokwenza imali ngokukhawuleza, kubalulekile ukujonga imingcipheko enxulumene nolu khetho. Nangona kusenokuhenda ukuthatha iindlela ezimfutshane ukusombulula iingxaki zemali zexeshana, kubalulekile ukuqonda iziphumo ezinokubakho kwaye wenze izigqibo ezizizo. Kweli candelo, siza kujonga ezinye zeengozi eziqhelekileyo ezinokuvela xa ufumana imali ngokukhawuleza kunye nendlela yokuvavanya ngokufanelekileyo.

Umngcipheko wamatyala agqithisileyo: Enye yezona zinto zixhalabisayo xa ufumana imali ngokukhawuleza kukukwazi ukuqokelela amatyala amaninzi. Kubalulekile ukuqwalasela ukuba imali-mboleko okanye umthombo wenkxaso-mali ocingayo uyalawuleka kwixesha elide. Ngaphambi kokuba uzibophelele, vavanya amandla akho okubuyisela kwaye uqonde imigaqo kunye neemeko zemboleko. Kuphephe ukuwela kwisilingo sokufaka isicelo semali mboleko ekhawulezileyo ngaphandle kokujonga kakuhle imeko yakho yezemali.

Umngcipheko wokuwela kubuqhophololo okanye ubuqhophololo: Xa ujonge amathuba okwenza imali ngokukhawuleza, kufuneka ujonge ubuqhophololo obunokwenzeka. Lumkela unikezelo olubonakala lulunge kakhulu ukuba lube yinyaniso kwaye luhlala luqinisekisa ukuthembeka komthombo. Phanda isidima senkampani okanye umntu ojongene naye kwaye ufunde uphononongo lwakhe abanye abasebenzisi. Ungaze wabelane ngolwazi lomntu siqu okanye lwezemali ngaphandle kokuqiniseka ngokusemthethweni kwentengiselwano.

12. Indlela yokumisela iinjongo zemali zexesha elifutshane ezinokufezekiswa

Ukumisela iinjongo zemali ezifikelelekayo zexesha elifutshane kubalulekile ekugcineni impilo efanelekileyo yezemali kunye nokufezekisa iinjongo zethu zexesha elide. Nanga amanye amacebiso asebenzayo okukunceda uchaze kwaye ufezekise iinjongo zakho:

1. Chaza iinjongo zakho zemali: Inyathelo lokuqala ekumiseleni iinjongo zexesha elifutshane ezinokufezekiswa kukucaca malunga noko ufuna ukukuphumeza. Enoba kukugcina imali yohambo, ukuthenga ikhompyutha entsha, okanye ukuhlawula amatyala, zibekele usukelo olucacileyo nolufikelelekayo. Bala inani lemali oyidingayo kwaye ubeke umhla wokugqibela wokufikelela kuyo.

2. Yenza isicwangciso sokusebenza: Nje ukuba uzichazile iinjongo zakho, lixesha lokuba wenze isicwangciso sesenzo esineenkcukacha. Chonga amanyathelo athile ekufuneka uwathathe ukuze ufezekise iinjongo zakho. Ngaba kufuneka uphucule izakhono zakho zemali? Ngaba ufanele unciphise iindleko zakho? Ngaba kufuneka ujonge imithombo emitsha yengeniso? Yahlula iinjongo zakho zibe yimisebenzi emincinci kwaye usete umda wexesha ngamnye.

3. Landela inkqubela yakho: Kubalulekile ukuyijonga rhoqo inkqubela yakho ukuqinisekisa ukuba ukwindlela eyiyo kwiinjongo zakho zemali. Gcina umkhondo womvuzo wakho kunye neendleko, kwaye uzithelekise nesicwangciso sakho somsebenzi. Yenza uhlengahlengiso xa kuyimfuneko kwaye uhlale unikel’ ingqalelo kusukelo lwakho. Ukubhiyozela impumelelo endleleni kuya kukukhuthaza ukuba uqhubeke.

13. Izinto ekufuneka ziqwalaselwe phambi kokuba uqalise ukukhangela imali ekhawulezayo

Ngaphambi kokuba uqalise ukukhangela imali ekhawulezayo, kukho izinto ezininzi ezibalulekileyo ekufuneka uziqwalasele. Enye yezona zinto zibalulekileyo kukuvavanya imeko yakho yemali ngoku. Hlalutya umvuzo wakho wenyanga kunye neendleko ukuze ubone ukuba ufuna ngokwenene imali engxamisekileyo okanye kukho iindlela ezizezinye zokusombulula imeko yakho ngaphandle kokubhenela kwiimali-mboleko okanye iikhredithi ezikhawulezayo.

Enye into ekufuneka uyiqwalasele kukuphanda ngeendlela ezahlukeneyo ezikhoyo ukuze ufumane imali ekhawulezileyo. Kukho iindlela ezahlukeneyo ezizezinye ezifana nemali-mboleko yobuqu, amakhadi okuthenga ngetyala, imigca yokuthenga ngetyala kunye ne-pawning yezinto ezixabisekileyo, phakathi kwezinye. Inketho nganye ineengenelo zayo kunye nezingeloncedo zayo, ngoko ke kubalulekile ukuphanda kwaye uthelekise iimeko, inzala kunye nemigaqo yendlela enye phambi kokuba wenze isigqibo.

Ukongeza, kubalulekile ukuthathela ingqalelo uxanduva lwemali. Ngaphambi kokuba ucele naluphi na uhlobo lwenkxaso-mali, vavanya amandla akho okuhlawula kwaye uqiniseke ukuba unokuhlangabezana nezibophelelo ekuvunyelwene ngazo. Ungagqithi kwisixa esiceliweyo kwaye kananjalo uqwalasele imingcipheko enokwenzeka kunye neziphumo zokungakwazi ukuhlawula ngexesha.

14. Indlela yokugcina ingqondo efanelekileyo ngexesha lenkqubo yokwenza imali ngokukhawuleza

Inyathelo 1: Ziqonde iingcinga zakho ezingalunganga

Isinyathelo sokuqala sokugcina isimo sengqondo esihle ngexesha lenkqubo yokwenza imali ngokukhawuleza kukubona kwaye ucele umngeni kwiingcinga zakho ezimbi. Amaxesha amaninzi, iinkolelo zethu ezisikelwa umda kunye neengcinga zokungabi nathemba zinokuthintela inkqubela yethu eya kwimpumelelo yezemali. Thatha umzuzwana uchonge ezo ngcinga zingalunganga kwaye ucele umngeni ekunyanisekeni kwazo. Khumbula, iingcinga zakho zinamandla amakhulu phezu kokwenyani yakho, ke qiniseka ukuba zilungile kwaye ziyakha.

Paso 2: Establece metas claras y realistas

Inkalo ephambili yokugcina ingqondo ephilileyo ngexesha lenkqubo yokwenza imali ngokukhawuleza kukubeka iinjongo ezicacileyo kunye neziyinyani. Usukelo lusinika ulwalathiso nokunikela ingqalelo, nto leyo enokusenza sihlale sinenzondelelo yaye sinesimo sengqondo esihle. Qinisekisa ukuba iinjongo zakho zithe ngqo, zinokulinganiseka, ziyafikeleleka, zifanelekile kwaye zimiselwe ixesha. Ngokuba neenjongo ezicacileyo, uya kukwazi ukubona impumelelo yakho yezemali kwaye usebenze ngokufanelekileyo kuzo.

Inyathelo lesi-3: Zijikeleze ngabantu abalungileyo nabakhuthazayo

Inkampani oyigcinayo ngexesha lenkqubo yokwenza imali ngokukhawuleza idlala indima ebalulekileyo kwingqondo yakho kunye nenkuthazo. Zijikeleze ngabantu abalungileyo nabakhuthazayo abakuxhasayo kwindlela yakho eya kwimpumelelo yezemali. Aba bantu banokukunika ukhuthazo oluyimfuneko xa uziva uphantsi kwaye banokukwabelana ngamava abo kunye namacebiso okugcina isimo sengqondo esihle. Baphephe abo bakutsalela phantsi okanye bakwenza uthandabuze izakhono zakho. Gcina inethiwekhi yenkxaso eyomeleleyo evuselela iingcinga kunye neemvakalelo zakho ezilungileyo.

Ukuqukumbela, kukho izicwangciso ezahlukeneyo kunye neendlela ezinokukunceda ufumane imali ngokukhawuleza. Ngokusetyenziswa kobuchule bezemali kunye nokusetyenziswa kwezibonelelo ezikhoyo, kunokwenzeka ukufumana imali efunekayo ngexesha likaxakeka okanye ukuhlangabezana neenjongo zezimali zomntu.

Kubalulekile ukuqaphela ukuba ukufumana imali ngokukhawuleza akukho ngaphandle kweengozi kunye neengqwalasela ezibalulekileyo. Kubalulekile ukuvavanya ngononophelo iinketho ezikhoyo, kuthathelwa ingqalelo izinto ezifana nenzala, imigaqo yokuhlawula, iimfuno kunye neemeko ezimiselwe ngababolekisi.

Ngalo lonke ixesha khumbula ukubeka phambili ulawulo lwemali olunenkathalo kwaye uhloniphe amandla akho okuhlawula phambi kokuba ucele naluphi na uhlobo lwenkxaso-mali ekhawulezileyo. Ukongezelela, kucetyiswa ukuba ufune iingcebiso zeengcali okanye udibane neengcali kwindawo ukuze wenze izigqibo ezinolwazi kwaye ugweme ukuwela kwiimeko zamatyala amaninzi okanye iingxaki zemali zexesha elide.

Ngamafutshane, ukwenza imali ngokukhawuleza kunokwenzeka ukuba uthatha amanyathelo afanelekileyo kwaye uqwalasele zonke iinguqu ezibandakanyekayo. Ukucwangcisa, uhlalutyo olucacileyo kunye nembono eyinyani yeendlela ezikhoyo ziyimfuneko ukuze kuphunyezwe ulungelelwaniso oluqinileyo lwemali kunye nokuphepha ukusilela kwixesha elizayo. Ngalo lonke ixesha khumbula ukwaziswa, ziqaphele iimfuno zakho zemali kwaye wenze izigqibo ezisekelwe kwindlela yobugcisa kunye nokungathathi hlangothi ukuze ufumane iziphumo ezingcono kakhulu.