Indlela Yokuba Nemali Engenamkhawulo

Ungaba Kanjani Imali Engapheli: Ukwazi Izimfihlo Zokuchuma Kwezomnotho

Ezweni lapho ukuzinza kwezezimali sekungenye yezinselele ezinkulu kubantu, labo abafuna ukuchuma kumelwe bazimisele ukuhlola izindlela ezintsha zokwenza imali. Kulesi sihloko, sizodalula izimfihlakalo ezingemuva komgomo ofiselekayo wokuba nemali engapheli futhi siveze izimfihlo zobuchwepheshe ezizokuvumela ukuthi uzuze ukuchuma kwezezimali okungenamkhawulo.

Ukufuna imali engapheli akukhona nje ukwenza imali eyengeziwe, kodwa kuwukuqonda ukuguquguquka kwezomnotho nokufunda ukuthi ungayisebenzisa kanjani ukuze uzuze. Kuwo wonke la makhasi, sizohlola amasu kanye nolwazi oludingekayo ukuze wandise iholo lakho, siphindaphinde imali oyilondolozile, futhi siqinisekise ukuphepha kwezimali kwesikhathi eside.

Njengoba sihlolisisa izici zobuchwepheshe zalesi sihloko, sizoqina ekwethuleni kwethu amathuluzi ahlukene namaqhinga atholakalayo. Sizohlaziya ngokucophelela imiqondo efana nokutshalwa kwezimali okukhaliphile, ukuxazululwa kwezimali, ukuphathwa kwezimali ezinkulu kanye nokuhlukahluka kwephothifoliyo, phakathi kokunye. Ukwengeza, sizocubungula imigomo eyisisekelo yezomnotho kanye nemithetho yemakethe eyisisekelo sokukhiqiza ingcebo.

Nakuba igama elithi “imali engapheli” lingase libonakale liwumgunyathi, indlela yethu yokwenza izobe ihambisana namaqiniso nokuba semthethweni. Ngeke sikunikeze izixazululo zomlingo noma amafomula athembisa ukukhiqiza ingcebo ngokushesha nangokuzikhandla. Esikhundleni salokho, sizokunikeza ulwazi lobuchwepheshe oludingekayo ukuze uqonde izinsika eziyisisekelo zokuchuma kwezomnotho futhi sikunikeze amasu afakazelwe okufeza izinjongo zakho zezezimali.

Ukuqongelela ingcebo kuyinqubo edinga umzamo, ukuzinikela kanye nengqondo efanele. Ngalesi sihloko, sizokunikeza amathuluzi etiyetha azokuvumela ukuthi weqe imikhawulo yezezimali futhi uvule amandla akho aphelele ezezimali. Lungela ukungena emhlabeni yobuningi bezomnotho, lapho imali engapheli iba yinto engenzeka ngempela.

1. Isingeniso samasu okuthola imali engapheli

Kulesi sigaba sizokwethula amasu azokuvumela thola imali ngokungapheli. Lawa maqhinga enzelwe ukusetshenziswa ezimeni ezahlukene futhi angasetshenziswa yibo bobabili abantu nezinkampani. Ngokugxila Igxathu emvakwe gxathu futhi ngokuningiliziwe, uzofunda ukusebenzisa ngokunenzuzo izindlela ezahlukene zokukhiqiza imali engenayo engashintshi futhi eqhubekayo.

Okokuqala, sizohlola izindlela ezahlukahlukene zokutshala imali ezizokuvumela ukuthi uphindaphinde iholo lakho ngokushesha. Kusukela ekutshalweni kwezimali ku-real estate kuya ekubambeni iqhaza emakethe yezibambiso, sizokunikeza ulwazi oludingekayo ukuze wenze izinqumo ezinolwazi futhi wandise inzuzo yakho. Ngaphezu kwalokho, sizokunikeza izeluleko zokuthi ungahlukanisa kanjani ukutshalwa kwezimali kwakho futhi unciphise ubungozi bakho.

Okulandelayo, sizokhuluma ngamasu ahlobene nezamabhizinisi nezamabhizinisi. Sizokukhombisa ukuthi ungawabona kanjani amathuba anenzuzo enkulu, uhlele kahle ibhizinisi lakho, futhi uhlaziye kahle izimakethe. Ukwengeza, sizokunikeza ulwazi ngamathuluzi nezinsiza ezizokusiza uthuthukise ukusebenza kwebhizinisi lakho futhi wandise iholo lakho ngokuqhubekayo.

2. Ukuhlola izindlela zokukhiqiza imali engenayo engenamkhawulo

Ezweni lanamuhla, ukukhiqiza imali sekuyinto ehamba phambili kubantu abaningi. Ngenhlanhla, kunezindlela ezimbalwa zokukhiqiza imali engenayo engenamkhawulo, futhi kulesi sihloko sizohlola ezinye eziphumelela kakhulu.

Indlela edumile yokwenza imali engenayo engenamkhawulo ukudala ibhizinisi eliku-inthanethi. Le ndlela inikeza ithuba lokufinyelela izethameli zomhlaba wonke futhi inikeza ukuguquguquka kokusebenza noma yikuphi. Ukuze uphumelele kulolu hlobo lwebhizinisi, kubalulekile ukukhomba isidingo esingafinyeleleki emakethe futhi unikeze isisombululo esiyingqayizivele. Ukwengeza, sebenzisa amasu ukumaketha kwedijithali, njenge-SEO kanye amanethiwekhi omphakathi, ingasiza ukuheha amakhasimende amaningi angaba khona futhi ikhulise ukuthengisa.

Enye indlela yokwenza imali engenayo engenamkhawulo tshala imali emakethe yamasheya. Nakuba le nketho ingase ithathe isikhathi nesipiliyoni ukuze ibe yingcweti, ingaba nenzuzo enkulu uma yenziwe ngendlela efanele. Kubalulekile ukwenza ucwaningo olunzulu futhi uhlale unolwazi mayelana nezindlela ezintsha zokutshala izimali namathuba. Ukwengeza, ukuhlukanisa iphothifoliyo yakho yokutshala imali kunganciphisa ubungozi futhi kwandise amathuba enzuzo yesikhathi eside.

3. Umdlalo wezezimali: Ungayisebenzisa kanjani ngokugcwele imithombo yakho yezezimali

Kulesi sihloko, sizohlola indlela yokukhulisa izinsiza zakho zezezimali ngokusebenzisa imidlalo yezezimali. Njengoba ucwila emhlabeni wezezimali, kubalulekile ukufunda ukuphatha izinsiza zakho ngokuhlakanipha ukuze uthole izinzuzo zesikhathi eside. Lapha sizokwethula amasu abalulekile namaqhinga azokusiza ukuthi uthole okuningi kuzinsiza zakho.

Isinyathelo sokuqala sokwenza ngokugcwele izinsiza zakho zezezimali ukusungula ibhajethi enemininingwane. Elinye lamaphutha ajwayelekile abantu abawenzayo ukusebenzisa imali ngendlela engalawuleki. Ngokwenza ibhajethi, uzokwazi ukubona iholo lakho kanye nezindleko, okukuvumela ukuthi wenze izinqumo ezinolwazi ngemali yakho. Ukwengeza, umkhuba omuhle uwukubeka imigomo yezezimali ecacile nengokoqobo ekusiza ukuthi ugcine ugxile futhi uziqeqeshe ukuze ufeze izinhloso zakho.

Elinye isu elibalulekile ukuhlukanisa ukutshalwa kwezimali kwakho. Ukuhlukahluka kunciphisa ubungozi ngokusabalalisa izimpahla zakho ezigabeni ezihlukene zempahla, njengezitoko, amabhondi, nezindlu ezithengiswayo. Lokhu akuvikeli kuphela iphothifoliyo yakho ekukhuphukeni nasekwehleni kwemakethe, kodwa futhi kwandisa namathuba okukhula. Khumbula ukuthi ulwazi olufanele nocwaningo lubalulekile lapho wenza izinqumo zokutshala izimali, ngakho ungangabazi ukuxhumana nochwepheshe noma usebenzise amathuluzi okuhlaziya ukuze wenze izinqumo ezinolwazi.

4. Amasu athuthukile okwandisa ingcebo yakho ngokungapheli

Kulesi sigaba, sizohlola amasu athuthukile azokusiza ukuthi wandise ingcebo yakho ngokungapheli. Lawa maqhinga angasetshenziswa kunoma yiliphi izinga lemali engenayo futhi alungele labo abafuna ukuzuza ukuzimela ngokwezimali. Zilungiselele ukuyisa ezezimali zakho ezingeni elilandelayo!

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1. Hlukanisa ukutshalwa kwezimali kwakho: Enye yezindlela ezinhle kakhulu zokwandisa ingcebo yakho ngokuhlukahluka. Ungawabeki wonke amaqanda akho kokukodwa ubhasikidi. Tshala imali emikhakheni ehlukene efana nezakhiwo, amasheya, amabhondi kanye ne-cryptocurrencies. Lokhu kuzosiza ekunciphiseni ubungozi futhi kwandise namathuba ezinzuzo eziqinile.

2. Funda mayelana nenzalo ehlanganisiwe: Inzalo ehlanganisiwe iyithuluzi elinamandla elingasheshisa ukukhula komcebo wakho ngamandla. Bheka ukutshalwa kwezimali okunikeza amanani enzalo ahlanganisiwe futhi utshale kabusha inzuzo yakho. Ngokuhamba kwesikhathi, uzobona ukuthi imali yakho isebenza kanjani kuwe.

3. Yenza imali yakho ngokuzenzakalelayo: Sebenzisa amathuluzi nobuchwepheshe obukuvumela ukuthi wenze ezezimali zakho ngokuzenzakalelayo. Misa izinkokhelo ezizenzakalelayo, ukonga ngokuzenzekelayo, nezinhlelo zokutshala izimali eziphindelelayo. Lokhu kuzokusiza ukuthi ugweme ukweqisa futhi uqinisekise ukuthi uhlala usebenza ukuze wandise ingcebo yakho.

5. Ukubaluleka kokubeka imigomo ecacile yezezimali ekuphishekeleni imali engapheli

kusesidingweni sokuba nemikhombandlela eqondile yemizamo yethu yezomnotho. Ngaphandle kwemigomo ecacile, kulula ukulahlekelwa isiqondiso nokumosha izinsiza ekutshalweni kwezimali okungenanzuzo noma ukusetshenziswa okungadingekile. Ngakho-ke, kubalulekile ukusungula izinjongo zezimali eziqondile nezifinyelelekayo ezisisiza ukuthi sandise iholo lethu futhi sakhe ingcebo yesikhathi eside.

Ukuze ubeke imigomo ecacile yezezimali, udinga ukulandela inqubo ehlelekile. Okokuqala nje, kufanele sichaze izinjongo zethu zezezimali esikhathini esifushane, esimaphakathi nesikhathi eside. Le migomo ingase ihlanganise ukuthenga umuzi, ukongela imfundo yezingane zethu, ukwakha isikhwama sezimo eziphuthumayo, ukutshala izimali emabhizinisini, noma ukuhlela umhlalaphansi. Uma sesinemigomo yethu ecacile, kubalulekile ukusungula izikhathi eziqondile kanye nenani elisivumela ukuthi silinganise ukuqhubeka kwethu futhi silungise amasu ethu uma kudingeka.

Ukwengeza, ukubeka imigomo ecacile yezezimali kusisiza ukuba silondoloze isiyalo futhi sigweme isilingo sokwenza izinqumo zokusebenzisa imali ngokungacabangi noma ngokweqile. Uma sinemigomo yezezimali ebonakalayo engqondweni, sigxila ekwenzeni izinqumo ezihlakaniphile ezisisondeza emigomweni yethu. Futhi singasebenzisa amathuluzi athile namasu ukuze sifinyelele imigomo yethu, njengokulondoloza okuzenzakalelayo, ukutshala izimali okuhlukahlukene, noma ukuthola imithombo eyengeziwe yemali engenayo. Ngamafuphi, ukubeka imigomo ecacile yezezimali kusinikeza imephu ezoqondisa izenzo zethu futhi sandise amathuba ethu ukuze sifinyelele ukuzinza kwezezimali esikufunayo kanye nemali engapheli sonke esiyifisayo.

6. Ukuthuthukisa amakhono akho okutshala imali ukuze uthole imali engapheli

Ukuzuza “imali engapheli” efiseleka kakhulu ngokutshala imali, kubalulekile ukuthuthukisa amakhono ethu kulo mkhakha. Kulesi sihloko, sizokunikeza amathiphu nezeluleko zokuyisa amakhono akho okutshala imali ezingeni elilandelayo.

1. Nweba ulwazi lwakho: Esinye sezihluthulelo zokuthuthukisa amakhono akho okutshala imali ukufunda njalo. Chitha isikhathi ufunda futhi uqonde izimakethe zezimali ezahlukahlukene, amasu okutshala imali, kanye nezitayela zezomnotho. Kunezinsiza eziningi ezifana nezincwadi, izifundo ze-inthanethi namasemina ezingakusiza ujulise ulwazi lwakho.
2. Zibekele imigomo ecacile: Ngaphambi kokutshala imali, kubalulekile ukucacisa ngezinhloso zakho zezimali. Chaza umkhathi wokutshalwa kwezimali kwakho, izinga lobungozi ozimisele ukubuthatha kanye nembuyiselo elindelekile. Lezi zinhloso zizokuqondisa lapho wenza izinqumo zokutshala izimali futhi zikusize ugcine ukugxila kwesikhathi eside.
3. Hlukanisa iphothifoliyo yakho: Ukuhlukahluka kuyisu elibalulekile lokunciphisa ubungozi kanye nokuthuthukisa imbuyiselo yezimali ozitshalile. Ungabeki zonke izinsiza zakho ohlotsheni lwempahla eyodwa noma umkhakha owodwa. Kunalokho, sabalalisa imali yakho kumakilasi amafa ahlukene, njengezitoko, amabhondi, izimali ezihlanganyelwe, izindlu ezithengiswayo, nokuningi. Lokhu kuzokuvumela ukuthi unciphise ukuchayeka ezingozini zomuntu ngamunye futhi ukwandise amathuba okwenza inzuzo.

7. Ungawasebenzisa kanjani amathuba ezezimali ukwandisa ingcebo yakho ngokungapheli

Kuzo zonke izimpilo zethu, amathuba ahlukahlukene ezezimali ayaziveza angasisiza ukuthi sikhulise ingcebo yethu kakhulu. Nokho, kubalulekile ukwazi ukuthi ungawasebenzisa kanjani la mathuba ngempumelelo ukuze uthole imiphumela engcono kakhulu. Nawa amanye amathiphu abalulekile okusebenzisa amathuba ezezimali ngokugcwele.

1. ImfundoNgezezimali: Ukuze usebenzise amathuba amaningi ezezimali, kubalulekile ukuba nolwazi oluqinile kule ndawo. Beka isikhathi ekufundeni ngezinhlobo ezahlukene zokutshalwa kwezimali, amasu okonga, ukuphathwa kwezikweletu, nezisekelo zezomnotho. Lokhu kuzokuvumela ukuthi wenze izinqumo ezinolwazi futhi ukwandise amathuba akho okuphumelela.

2. Khomba amathuba: Hlala uqaphela izitayela nentuthuko emakethe yezezimali. Amathuba akhona ezindaweni ezifana nokutshalwa kwezindlu, amasheya, amabhondi, ama-mutual funds, ama-cryptocurrencies, phakathi kokunye. Cwaninga, hlaziya futhi uhlole izinketho ezitholakalayo ukuze uthole lezo ezifanelana kangcono nezinhloso zakho kanye nephrofayili yobungozi.

8. Ukuphula imingcele yengqondo kanye nokunqoba imikhawulo ukuze uzuze imali engapheli

9. Isikhathi esihlakaniphile nokuphathwa kwezinsiza ekuphishekeleni imali engapheli

Kulesi sigaba, sizohlola amasu okuphatha isikhathi esihlakaniphile kanye nezinsiza ukuze sizuze umthombo wemali ongapheli. Ukufeza lo mgomo, kubalulekile ukulandela lezi izinyathelo ezibalulekile ngendlela engaguquki futhi enesizotha. Ngokusebenzisa lezi zinqubo ngendlela efanele, sizokhulisa ukusebenza kahle kwethu futhi sisondele emgomweni wethu wezezimali.

1. Thola okubalulekile: Isinyathelo sokuqala sokuphatha isikhathi ngobuhlakani ukuhlonza izinto eziza kuqala kithi. Ngokuhlaziya ngokucophelela, singakwazi ukuhlola ukuthi yimiphi imisebenzi nemisebenzi ebaluleke kakhulu ekufuneni kwethu imali engapheli. Ngokugxila ezindaweni ezinomthelela omkhulu, singakwazi ukwandisa isikhathi sethu nezisetshenziswa ukuze sibe nemiphumela engcono kakhulu.

2. Sungula ishejuli nesakhiwo: Uma sesihlonze izinto eziza kuqala kithi, kubalulekile ukusungula ishejuli nesakhiwo esicacile. Lokhu kuzosisiza ukuthi sinikeze isikhathi esanele somsebenzi ngamunye, sigweme iziphazamiso futhi siqinisekise ukuthi umsebenzi ngamunye uqedwa ngendlela efanele. ngempumelelo. Ukusebenzisa amathuluzi okuphatha isikhathi nezikhumbuzi kuzosisiza ukuthi sihlale sisendleleni futhi siwasebenzise ngokugcwele amahora ethu okukhiqiza.

10. Isihluthulelo sokuphikelela nokuziphatha ekuqongeleleni ingcebo engapheli

Ukubekezela nokuziphatha yizimfanelo ezimbili ezibalulekile zokufinyelela ukuqoqwa komcebo ongapheli. Nokho, ukufeza lo mgomo kudinga indlela ehlelekile nengaguquguquki. Nazi izinyathelo ezibalulekile zokukusiza kule nqubo:

Isinyathelo 1: Misa imigomo yezezimali ecacile: Kubalulekile ukuchaza izinhloso zezimali eziqondile nezilinganisekayo ukuze kugcinwe kugxilile. Uma ufuna ukuqongelela ingcebo engapheli, kufanele uzibekele imigomo enengqondo ekukhuthaza ukuthi uqhubeke.

Isinyathelo sesi-2: Dala uhlelo lwezezimali oluqinile: Uma usucacelwe ngezinhloso zakho, kubalulekile ukwenza uhlelo lwezezimali olunemininingwane. Lolu hlelo lungase luhlanganise ukwakha ibhajethi, ukutshala izimali ezimpahleni ezahlukene, ukonga ngendlela ehlelekile, kanye nokulawula izindleko.

Isinyathelo sesi-3: Thuthukisa ukuziphatha kwezezimali: Isiyalo siyisihluthulelo ekuqongeleleni ingcebo engapheli. Kufanele uzibophezele ekulandeleni uhlelo lwakho lwezezimali ngaphandle kokuchezuka. Lokhu kusho ukugcina umqondo wokonga njalo, ukwenza ukutshalwa kwezimali kwamasu, nokugwema izikweletu ezingadingekile.

11. Ungabusebenzisa kanjani ubuchwepheshe namathuluzi ezezimali ukuze wandise iholo lakho ngokungenamkhawulo

Uma ufuna izindlela zokuqhubeka nokwandisa iholo lakho futhi usebenzise ngokugcwele amathuba ahlinzekwa ubuchwepheshe namathuluzi ezezimali, usendaweni efanele. Ngezansi ezinye izinyathelo ezibalulekile ongazithatha ukuze wandise inzuzo yakho ngokungapheli:

1. Sebenzisa izinhlelo zokusebenza zezezimali nezinkundla: Enye yezindlela ezisebenza kahle kakhulu zokwandisa iholo lakho ukusebenzisa ithuba lezinhlelo zokusebenza zezimali nezinkundla ezitholakala emakethe. Iningi lalawa mathuluzi linikeza izici ezinjengokulandelela izindleko, ibhajethi yomuntu siqu, ukutshalwa kwezimali okuzenzakalelayo, nokuhlaziywa kwethrendi yezezimali. Izibonelo zalezi zinhlelo zokusebenza zifaka i-Mint, i-Robinhood, ne-Stash. Hlola izinketho ezitholakalayo bese ukhetha lezo ezifanelana kangcono nezidingo zakho.

2. Funda mayelana nokutshalwa kwezimali nokuphathwa kwezimali: Ukuze wandise iholo lakho, kubalulekile ukuthola ulwazi oluyisisekelo mayelana nokutshalwa kwezimali kanye nokuphathwa kwezimali. Thatha izifundo ze-inthanethi, funda izincwadi ezikhethekile futhi uhlale unolwazi lwakamuva ngamathrendi akamuva emakethe yezezimali. Lokhu kuzokuvumela ukuthi wenze izinqumo ezinolwazi nezinamasu mayelana nokutshalwa kwezimali kwakho, okungaholela ekwenyukeni okukhulu kwenzuzo yakho yesikhathi eside.

3. Hlukanisa imithombo yakho yemali engenayo: Isu elisebenzayo lokukhulisa iholo lakho ukuhlukanisa imithombo yakho engenayo. Ungagcini nje ngokukhokhela iholo elingashintshi, kodwa bheka amathuba engeziwe ukuthola imali. Lokhu kungase kuhlanganise ukuqala ibhizinisi eseceleni, ukutshala izimali ezithengiswayo, ukukhiqiza imali engenayo ngokusebenzisa izinkundla ze-inthanethi, noma ukubamba iqhaza ezinhlelweni ezihlangene. Ngokuhlukanisa imithombo yakho yemali engenayo, uzobe udala isisekelo esiqinile sokukhulisa inzuzo yakho ngokungapheli.

12. Amasu afakazelwe okuvikela izimali zakho nokuvikela imali yakho engapheli

Ezweni eliya ngokuya lingaqiniseki, kubalulekile ukuthatha izinyathelo zokuvikela izimali zethu nokuvikela imali yethu ngokuhamba kwesikhathi. Nawa amanye amasu afakazelwe ukukusiza ukufeza lokhu:

1. Hlukanisa utshalomali lwakho

Esinye sezihluthulelo zokuvikela imali yakho engapheli ukuhlukanisa ukutshalwa kwezimali kwakho. Sabalalisa izimpahla zakho kuzo zonke izigaba zezimpahla ezihlukene, njengezitoko, amabhondi, izindlu nezimpahla. Ngale ndlela, uma enye yezimali ozitshalile ingasebenzi njengoba bekulindelekile, uzoba nokunye okunganxephezela ukulahlekelwa. Ukwengeza, cabanga ukuhlukanisa utshalomali lwakho emazweni ngamazwe ukuze unciphise ukuchayeka ezingozini eziqondene nezwe noma isifunda.

2. Dala isikhwama sezimo eziphuthumayo

Ukuze uvikele izimali zakho, kubalulekile ukuba nesikhwama sezimo eziphuthumayo. Lesi sikhwama kumele sanele ukukhokhela izindleko eziyisisekelo okungenani izinyanga ezintathu, njengokudla, izindlu nezinkonzo. Yigcine ku-akhawunti yokonga okulula ukuyifinyelela, kodwa yehlukanise ne-akhawunti yakho eyinhloko. Ngale ndlela, uzoba nesiguqo sezimali esizokuvumela ukuthi ubhekane nezimo ezingalindelekile, njengokulahlekelwa umsebenzi noma izimo eziphuthumayo zezokwelapha, ngaphandle kokuthi usebenzise imali ebolekiwe noma ungene ezikweletini.

3. Sungula uhlelo lokonga

Uhlelo lokulondoloza luzokusiza ukuthi uvikele izimali zakho futhi uvikele imali yakho ngokuhamba kwesikhathi. Chaza imigomo engokoqobo bese usungula amaphesenti omholo wakho ozowabela ukonga. Yenza le nqubo ngokuzenzakalelayo ngokudlulisela okuzenzakalelayo ku-akhawunti ehlukile noma ukuthenga okujwayelekile okutshaliwe. Futhi, buyekeza izindleko zakho futhi ubheke izindawo lapho ungakwazi ukunciphisa noma ukuqeda izindleko ezingadingekile. Ukonga njalo kuzokuvumela ukuthi wakhe ingcebo ngokuhamba kwesikhathi futhi uhlangabezane nezidingo zezimali zesikhathi esizayo.

13. Ukunqoba izinselele zomnotho nokuzivumelanisa nezimo ukuze kugcinwe umthombo ongapheli wemali engapheli

Nawa amanye amathiphu namasu okunqoba izinselele zezimali futhi uzivumelanise nezinguquko ukuze ugcine umthombo ongapheli wemali engapheli. Kubalulekile ukukhumbula ukuthi lezi zindlela zidinga isiyalo nokuzinikela, kodwa zingakusiza ufinyelele ukuzinza kwezezimali okufunayo.

1. Hlaziya izindleko zakho futhi wehlise ezingadingekile: Landelela izindleko zakho zanyanga zonke futhi ubheke amathuba okonga imali. Hlola ukubhalisa kwakho, amasevisi kanye nezindleko zokuzikhethela, futhi ucabange ukuqeda okungabalulekile. Lokhu kuzokusiza ukwazi ukulawula izimali zakho futhi ukhulule izinsiza zokutshala noma zokulondoloza..

• Khomba izindleko zakho ezibalulekile, njengendlu, ukudla, nezinto zokuhamba, futhi uqiniseke ukuthi unikeza ingxenye efanelekile yeholo lakho kulezi zidingo eziyisisekelo.
• Hlola ukubhalisa kwakho kwanyanga zonke namasevisi. Ingabe kukhona ongakwazi ukukhansela noma ukukushintsha ngenketho eshibhile?
• Dala ibhajethi engokoqobo ekhawulela ukusebenzisa kwakho imali ngokungadingekile futhi ikuvumela ukuthi wonge noma utshale inani elithile lemali inyanga ngayinye.

2. Hlola imithombo emisha yemali engenayo: Ukushintsha imithombo yakho yemali engenayo kungaba isu elisebenzayo lokugcina umthombo wemali njalo. Cabangela ukuqala ibhizinisi uwedwa, ukufuna amathuba omsebenzi ozisebenzelayo, noma ukutshala izimali ezimpahleni ezingenisa imali engenayo..

• Cwaninga imikhakha noma izimboni ezikhulayo futhi ubheke amathuba okuzuza kuleso sidingo. Ungase ucabange ukuqala ibhizinisi eliku-inthanethi, unikele ngezinsizakalo ezikhethekile, noma udale imikhiqizo ehlukile.
• Thuthukisa amakhono engeziwe akhulisa inani lakho emakethe yemisebenzi. Lokhu kungase kuhlanganise ukuqeqeshwa, imfundo eqhubekayo, noma izitifiketi.
• Cwaninga ukutshalwa kwezimali okufana nezindlu ezithengiswayo, amasheya, amabhondi noma ezinye izinketho zezimali. Funa iseluleko sochwepheshe ngaphambi kokwenza izinqumo zokutshala izimali.

3. Hlala unolwazi futhi uvumelane nezimo: Esimeni somnotho esishintsha njalo, kubalulekile ukuhlala unolwazi futhi uvumelana nezimo. Ukuhlala phezu kwamathrendi akamuva kanye nobuchwepheshe kungavula amathuba amasha futhi kwandise ikhono lakho lokuhlangabezana nezinselele zomnotho.

• Funda izincwadi, izindatshana kanye namabhulogi ahlobene nezezimali zomuntu siqu, ukutshala izimali kanye nokuthuthukiswa kwebhizinisi. Imfundo yezezimali iyithuluzi elinamandla lokubhekana nezinselele zezimali kanye nokuthuthukisa amakhono akho ezezimali.
• Bamba iqhaza ezingqungqutheleni, kumasemina noma ezifundweni eziku-inthanethi ngezihloko ezihambisana nomkhakha owuthandayo noma umsebenzi wobungcweti. Lokhu kuzokuvumela ukuthi unwebe inethiwekhi yakho yoxhumana nabo futhi ugcine imfundo yakho isesikhathini samanje.
• Gcina umqondo ovulekile futhi uguquguquke endleleni yakho yokuphila nomsebenzi. Izinguquko zezomnotho zingase zidinge ukulungiswa kwesu lakho, ngakho-ke kubalulekile ukuzimisela ukuzivumelanisa nezimo nokufunda ngokuqhubekayo.

14. Amathiphu okugcina kanye nemicabango yokugcina umqondo ophumelelayo futhi uthole imali engapheli

Gcina umqondo omuhle futhi ugxile. Isinyathelo sokuqala esiya ekuchumeni kwezezimali ukugcina isimo sengqondo esihle futhi ugxile ezinhlosweni zakho. Kubone ngeso lengqondo impumelelo futhi ukholwe ekhonweni lakho lokuyifinyelela. Susa imicabango engemihle kanye nokungabaza ukuze uvule inala nokuzethemba wena.

Hlakulela imikhuba enempilo yezimali. Zibekele imigomo yezezimali engokoqobo futhi udale uhlelo lokuyifinyelela. Yonga futhi utshale imali yakho ngokukhalipha nangokuziphatha. Gwema izikweletu ezingadingekile futhi ufunde ukuphatha izindleko zakho ngempumelelo. Zifundise ngezimali zakho futhi ubheke namathuba okukhula komnotho.

Funa ukukhula komuntu siqu nokomsebenzi. Ukuchuma ngokwezimali kuhlobene eduze nokukhula komuntu siqu nokomsebenzi. Zinike isikhathi nomzamo wokuthuthukisa amakhono akho, uthole ulwazi futhi uthuthukise umsebenzi wakho. Hlala unolwazi lwakamuva embonini yakho futhi uhlale ubheka amathuba amasha okukhula kanye nempumelelo yezomnotho.

Kafushane nje, ukufinyelela emalini engapheli kuyisihloko esithathe amehlo abantu abaningi. Kulesi sihloko, sihlola izindlela ezihlukene kanye namathiphu ezobuchwepheshe ukuze sifeze lokhu okubonakala kungenakwenzeka. Nakuba kubalulekile ukuqaphela ukuthi umqondo wemali engapheli awunaso isisekelo esiqinile eqinisweni, siye sabhekana nendaba ngombono wezobuchwepheshe nokuhlaziya.

Sihlole ngokuningiliziwe izindlela ezahlukene ezifana nezimayini ze-cryptocurrency kanye nokutshala imali ezimakethe zezimali, okuveza kokubili izinzuzo nezingozi ezihlobene nalezi zinqubo. Ngaphezu kwalokho, siphinde sagqamisa ukubaluleka kokugcina ibhalansi efanele phakathi komsebenzi nokonga, kanye nokusebenzisa ngokunenzuzo amathuba angokomthetho nawokuziphatha ukuze kwandiswe imali engenayo.

Sengiphetha, nakuba imali engapheli ingase ibe iphupho elingafinyeleleki, sithemba ukuthi lesi sihloko sinikeze umbono wezobuchwepheshe nongathathi hlangothi wokuthi ungabhekana kanjani nokuphathwa kwezimali ngokuzibophezela nangempumelelo. Masikhumbule ukuthi imali iyithuluzi nje lokufeza izinjongo nezinjongo zethu ekuphileni, futhi ukufunda ukuyiphatha ngobuhlakani nangokuqhubekayo kubalulekile enhlalakahleni yethu yezezimali yesikhathi eside.