Indlela Yokuthola Imali Ngokushesha

Ukuthola imali ngokushesha kungaba isidingo esiphuthumayo ezimweni ezithile, kungakhathaliseki ukuthi ukukhokhela izindleko ezingalindelekile noma ukusizakala ngamathuba ezomnotho. Kulesi sihloko, sizobheka ubuchwepheshe nokungathathi hlangothi kumasu nezindlela ezihlukahlukene zokuthola imali ngokushesha. Kusukela ekuhloleni izinketho ezivamile ezifana nemalimboleko yasebhange namakhadi esikweletu, ukucabangela ezinye izindlela ezintsha ezifana ne-crowdfunding nokwabelana ngezinhlelo zokusebenza zomnotho, sizobhekisisa inketho ngayinye ukuze sikusize uthole isixazululo esifanele esimweni sakho sezezimali. Kuso sonke lesi sihloko, sizobhekana nezici zobuchwepheshe, imigomo, amanani enzalo kanye nezidingo, ngenhloso yokukunikeza umbono onembile nonenjongo wokuthi uyithola kanjani imali ngokushesha futhi ngokuphephile. Uma ufuna umhlahlandlela ocacile futhi onokwethenjelwa wokuthola i-liquidity ngempumelelo, khona-ke lesi sihloko senzelwe wena.

1. Isingeniso sokwenza imali esheshayo

Ukuthola imali ngokushesha kuyisihloko esithakaselwayo kubantu abaningi, noma ngabe ukukhokhela izindleko ezingalindelekile, ukuphuma ezikweletini noma ukumane uthuthukise isimo sabo sezezimali. Kulokhu okuthunyelwe, sizokukhombisa izinyathelo ezibalulekile okufanele uzilandele ukuze uzuze lokhu ngempumelelo. indlela ephumelelayo futhi ngokomthetho.

1. Thola amakhono nezinsiza zakho: Ukuze uthole imali ngokushesha, kubalulekile ukuqala ngokuhlola amakhono akho nezinsiza ezikhona. Ingabe unolwazi oluthile ongalusebenzisa ngokunenzuzo? Ingabe unawo amathuluzi noma okokusebenza okungangenisa imali eyengeziwe? Kuyadingeka ukukhomba lezi zici ukuze uhlele lezi zenzo ezilandelayo.

2. Hlola amathuba omsebenzi wesikhashana: Indlela evamile yokwenza imali ngokushesha iwumsebenzi wetoho noma imisebenzi engaseceleni. Ungacabangela izinketho ezinjengokunikeza amaflaya, ukusebenza njengesisebenzi esizimele, ukwenza ingadi noma imisebenzi yokuhlanza, phakathi kokunye. Kukhona anhlobonhlobo amathuba atholakalayo ukuze avumelane namakhono ahlukene kanye nokuba khona kwesikhathi.

2. Izici ezibalulekile zokuthola imali ngokushesha

Kunezinketho ezimbalwa ezitholakalayo zokuthola imali ngokushesha. Enye yezinto ezibalulekile ukuhlonza izidingo zemakethe noma izinkinga futhi unikeze izixazululo ezisebenzayo. Lokhu kungase kuhlanganise ukuthuthukisa umkhiqizo omusha noma isevisi ehlangabezana nesidingo esingahlangatsheziwe. Kubalulekile futhi ukucwaninga imakethe futhi wazi ukuncintisana kwakho ukuze uzihlukanise futhi unikeze inani eliyingqayizivele.

Esinye isici esibalulekile ukukhuthazwa okuphumelelayo nokumaketha. Isu lokumaketha elihlelwe kahle nelisetshenziswa lingakusiza ukuthi ufinyelele izethameli ozihlosile futhi ukhiqize imikhondo eminingi noma ukuthengisa. Ungasebenzisa amasu anjengokukhangisa ku-inthanethi, amanethiwekhi omphakathi, ukumaketha okuqukethwe kanye ne-imeyili ukuze ufinyelele abantu abaningi abathanda umkhiqizo noma isevisi yakho.

Ukwengeza, kubalulekile ukucabangela ukuphathwa kwezimali. Ukuphathwa kwezimali okuphumelelayo kuhilela ukulawula izindleko, ukunciphisa izindleko ezingadingekile kanye nokwandisa imali engenayo. Ungacabanga ukusungula imifelandawonye yamasu noma ukusebenzisana nezinye izinkampani ukuze wehlise izindleko zokusebenza. Kubalulekile futhi ukuba nesabelomali esicacile nesingokoqobo ukuze ugweme ukusebenzisa ngokweqile futhi uqinisekise ukuthi imizamo yakho igxile emisebenzini enenzuzo.

3. Izindlela ezisebenzayo zokukhiqiza imali esheshayo

Uma ufuna izindlela ezisheshayo zokwandisa iholo lakho, kunezindlela ezimbalwa ezisebenzayo ongazisebenzisa. Nawa amasu amathathu afakazelwe azokusiza ukuthi ukhiqize imali eyengeziwe ngokushesha nangempumelelo:

1. Ukuqala ibhizinisi eliku-inthanethi: I-inthanethi inikeza amathuba angapheli okuqala ibhizinisi nokwenza imali ngokushesha. Cabangela ukudala isitolo se-inthanethi, lapho ungathengisa khona imikhiqizo noma amasevisi kubabukeli bomhlaba. Sebenzisa izinkundla ze-eCommerce njengeShopify noma i-WooCommerce ukuze uvule ibhizinisi lakho eliku-inthanethi. Khumbula ukuthi isihluthulelo sempumelelo kule ndlela ukunikela ngemikhiqizo ehlukile, yekhwalithi ephezulu noma amasevisi.
2. Zibandakanye nomsebenzi ozimele: Izinkundla ezidumile ezifana ne-Upwork noma i-Freelancer zikuvumela ukuthi uthole imisebenzi ozimele ezindaweni ezahlukahlukene, njengokubhala, ukwakheka kwezithombe, ukuhlela, nokuhumusha. Uma unamakhono akhethekile, unganikezela ngezinsizakalo zakho kumakhasimende emhlabeni jikelele. Lokhu kuzokuvumela ukuthi wenze imali eyengeziwe ngokusebenza kumaphrojekthi wesikhashana.
3. Ukutshalwa kwezimali okuhlakaniphile: Uma unemali ethile etholakalayo, cabanga ukwenza ukutshalwa kwezimali okuhlakaniphile okuhlinzeka ngembuyiselo yesikhashana. Ungatshala imali emakethe yamasheya, i-cryptocurrensets, ingcebo noma izikhwama zokutshala imali. Ngaphambi kokwenza izinqumo zokutshala izimali, qiniseka ukuthi ucwaninga ngokucophelela futhi uhlaziye amathuba atholakalayo okunciphisa ubungozi. Ukubonisana nomeluleki wezezimali ochwepheshe kungaba usizo ekwenzeni izinqumo ezinolwazi.

Khumbula ukuthi ukwenza imali ngokushesha kudinga ukuzinikela nomzamo. Ayikho indlela yomlingo yokuthola inzuzo esheshayo, kodwa ngokulandela amasu asebenzayo nokusebenzisa ulwazi namakhono akho, uzokwazi ukuthuthukisa isimo sakho sezezimali ngesikhathi esifushane.

4. Ungayikhulisa kanjani inzuzo yakho ngesikhathi esirekhodiwe

Uma ubheke ukwandisa inzuzo yakho ngesikhathi esifushane, akhona amasu abalulekile ongawasebenzisa. Okokuqala, kubalulekile ukuba nokuqonda okucacile ngemakethe oyihlosile kanye nendlela yokuhlangabezana nezidingo zabo. Yenza ucwaningo olubanzi ukuze uhlonze imikhiqizo efunwa kakhulu noma izinsizakalo ku-niche yakho futhi uqiniseke ukuthi uzinikeza ngamanani ancintisanayo.

Esinye isici esibalulekile sokwandisa inzuzo yakho ukusungula ubukhona obuqinile ku-inthanethi. Idala iwebhusayithi iphrofeshinali nekhangayo ebonisa imikhiqizo noma amasevisi akho ngempumelelo. Sebenzisa amasu okuthengisa edijithali afana ne-SEO, ukukhangisa ezinkundleni zokuxhumana nokumaketha nge-imeyili ukuze ufinyelele izethameli ozihlosile futhi wandise ukuguqulwa.

Futhi, ungawabukeli phansi amandla wekhwalithi yesevisi yamakhasimende. Nikeza okuhle kakhulu insizakalo yekhasimende ingakhiqiza ukudluliselwa nokwethembeka kumakhasimende akhona. Qiniseka ukuthi uxazulula ngokushesha noma yiziphi izinkinga noma okukhathazayo amakhasimende akho angase abe nakho futhi uwagcine enelisekile kuyo yonke inqubo. Khumbula ukuthi konke ukusebenzisana nekhasimende kuyithuba lokwakha ubudlelwano obuhlala njalo.

5. Amasu ezezimali okuthola imali ngokushesha

Kulezo zikhathi lapho udinga ukuthola imali ngokushesha, kunamasu ahlukahlukene wezezimali ongawasebenzisa. Ngezansi, sizokwabelana ngezinketho ezingakusiza ukuthi uthole imali edingekayo ngokushesha.

1. Hlola izimpahla zakho eziwuketshezi: Uma unezimpahla ongaziguqulela ngokushesha zibe ukheshi, njengokutshalwa kwezimali noma izimpahla ongazidingi, cabangela ukuzithengisa ukuze uthole imali edingekayo.

• Indali eku-inthanethi: Ungasebenzisa izinkundla zendali eziku-inthanethi ukuze uthengise izinto ezibalulekile, njengezinto zakudala, izinto zikagesi, noma izingubo zomklami.
• Imalimboleko eqinisekisiwe: Enye inketho ukufaka isicelo semalimboleko usebenzisa impahla ebalulekile njengesibambiso, njengemoto noma indawo.

2. Bheka imithombo eyengeziwe yemali engenayo: Esikhundleni sokugxila kuphela ezimpahleni zakho ezikhona, cabanga ngokubheka izindlela ezintsha zokwenza imali ngokushesha.

• Imisebenzi yamahhala: Hlola amathuba omsebenzi ozimele emikhakheni efana nemidwebo, ukubhala, ukuhlela, ukuhumusha, phakathi kokunye.
• Indawo eqashiswayo: Uma unezakhiwo ezengeziwe, ungathola imali ngokuziqasha. Izinkundla ezifana ne-Airbnb zingakusiza ukuthi uthole ongase ube ngabaqashi.

3. Sebenzisa imalimboleko esheshayo noma amakhredithi: Ezimweni eziphuthumayo zezomnotho, ungacabanga ukufaka isicelo semalimboleko noma amakhredithi ahlinzeka ngemali ngokushesha futhi kalula.

• Imalimboleko yomuntu siqu: Ezinye izikhungo zezezimali zinikeza imalimboleko yomuntu siqu ngokugunyazwa okusheshayo kanye nezidingo ezincane. Ukucwaninga nokuqhathanisa izinketho ezahlukene kuzokuvumela ukuthi uthole izimo ezinhle kakhulu.
• Tarjetas de crédito: Ukusebenzisa ikhadi lesikweletu kungaba yisixazululo sesikhashana sokuthola imali ngokushesha, nakuba kufanele wazi amanani enzalo ahlobene futhi ukhokhe ibhalansi ngesikhathi ukuze ugweme izindleko ezengeziwe.

6. Amathuluzi nezinsiza zokusheshisa iholo lakho

Kulesi sigaba, sethula amathuluzi ahlukahlukene asebenzayo nezinsiza ezizokusiza ukusheshisa iholo lakho ngendlela efanele. Lawa mathuluzi nezisetshenziswa zakhelwe ngokukhethekile ukuthuthukisa izinqubo zakho futhi kwandiswe inzuzo yakho ngesikhathi esifushane ngangokunokwenzeka.

• Ithuluzi elibalulekile lokusheshisa iholo lakho inkundla yokuphatha imithombo yezokuxhumana, njengoba I-Hootsuite o I-Sprout Komphakathi. Lawa mathuluzi akuvumela ukuthi uhlele okuthunyelwe, uphathe ama-akhawunti amaningi, futhi uhlaziye ukusebenza kokuqukethwe kwakho, okuzokusiza ukhulise ukubonakala kwebhizinisi lakho futhi uhehe amakhasimende amaningi.
• Elinye ithuluzi eliwusizo isoftware yokuzenzakalela yokumaketha, njenge HubSpot o I-Mailchimp. Lezi zinkundla zikuvumela ukuthi udale imikhankaso yokumaketha nge-imeyili, wenze imisebenzi ephindaphindwayo ngokuzenzakalelayo, futhi ulandelele imikhondo yakho nokuguqulwa ngokuningiliziwe. I-Marketing automation izokusiza ukuthi wonge isikhathi nomzamo, kuyilapho ukhulisa iholo lakho.
• Ngaphezu kwalokho, kubalulekile ukuba nethuluzi lokuhlaziya iwebhu, njenge I-Google Analytics o I-Hotjar. Lawa mathuluzi akunikeza idatha enembile mayelana nethrafikhi. iwebhusayithi yakho, amakhasi avakashelwe kakhulu, ukuguqulwa nezinye izinkomba ezibalulekile. Ngalolu lwazi, uzokwazi ukukhomba izindawo ongazithuthukisa futhi ulungise isu lakho ukuze wandise iholo lakho.

Ngokungeziwe kulawa mathuluzi, kunezinye izinsiza ezingasheshisa kakhulu iholo lakho:

• Izifundo eziku-inthanethi nokufundisa okukhethekile kuzokusiza ukuthi uthole amakhono amasha nolwazi, okuzokuvumela ukuthi unikeze izinsizakalo ezingcono noma imikhiqizo futhi, ngenxa yalokho, wandise iholo lakho.
• Ungawabukeli phansi amandla okuxhumana. Ukubamba iqhaza emicimbini embonini yakho, ukuya ezingqungqutheleni nokuxhumana nezingcweti ezifanele kungakha amathuba amasha ebhizinisi futhi kusheshise iholo lakho.

Ukusebenzisa lawa mathuluzi nezinsiza ngempumelelo kuzokunikeza inzuzo yokuncintisana emakethe futhi kukuvumela ukuthi usheshise kakhulu iholo lakho. Khumbula ukulungisa la mathuluzi nezisetshenziswa ezidingweni zakho ezithile futhi uwasebenzise ngokugcwele amandla azo. Ungabe usalinda futhi uqale ukwandisa iholo lakho njengamanje!

7. Ukusebenzisa umhlaba wedijithali ukuze uthole imali ngokushesha

Okwamanje, umhlaba wedijithali usinikeza amathuba amaningi okuthola imali ngokushesha nangempumelelo. Ngezansi kukhona amasu namathiphu azokusiza ukuthi usebenzise ngokugcwele le ndawo yedijithali futhi ungenise imali enkulu.

1. Dala futhi udayise imikhiqizo yedijithali: Indlela enhle yokwenza imali ngokushesha iwukwenza nokudayisa imikhiqizo yedijithali, njengama-ebooks, izifundo ze-inthanethi, izithombe noma umculo. Ungasebenzisa izinkundla ezikhethekile ukuze ukhuthaze futhi udayise imikhiqizo yakho, futhi wenze imali engenayo ephindelelayo.

2. Bamba iqhaza ezinhlelweni ezihlangene: Enye enye indlela yokuthola imali ngokushesha iwukuba inkampani esebenzisana nezinkampani futhi ukhuthaze imikhiqizo yazo ukuze uthole ikhomishini yokuthengisa ngakunye. Ukuze wenze lokhu, ungasebenzisa amabhulogi, amanethiwekhi omphakathi noma amanye amapulatifomu idijithali ukuze ufinyelele izethameli ozihlosile futhi wandise inzuzo yakho.

3. Yenza umsebenzi ozisebenzelayo: Umhlaba wedijithali usivumela ukuthi sifinyelele inhlobonhlobo yamathuba emisebenzi njengesisebenzi esizimele. Unganikela ngezinsizakalo zakho njengomhleli, umklami wezithombe, umhleli, umhumushi, phakathi kwabanye, ngokusebenzisa izinkundla ezikhethekile noma ngokudala iwebhusayithi yakho. Lokhu kuzokuvumela ukuthi uthole imali ngokushesha nangokuvumelana nezimo, uvumelane nezidingo namakhono akho.

8. Ungawasebenzisa kanjani amathuba okutshala imali ukuze wenze imali ngokushesha

Ukutshala imali emathubeni anenzuzo kungaba yindlela enhle yokwenza imali ngokushesha. Nokho, kubalulekile ukwenza izinqumo ezinolwazi futhi ucabangele izici ezihlukahlukene ngaphambi kokuba uqale. Nawa amanye amasu okusebenzisa amathuba okutshala imali:

1. Yenza ukuhlaziya okujulile: Ngaphambi kokutshala noma yiliphi ithuba, kubalulekile ukwenza ucwaningo olunzulu. Hlola ngokucophelela isizinda senkampani noma iphrojekthi oyithandayo, cwaninga umlando wayo wezezimali futhi uhlaziye amandla ayo okukhula. Ukwengeza, hlola ubungozi nemiklomelo ehlotshaniswa nokutshalwa kwezimali okukhulunywa ngakho.

2. Shintshanisa ukutshalwa kwezimali kwakho: Kubalulekile ukuthi ungabeki wonke amaqanda akho kubhasikidi owodwa. Ukwehlukanisa utshalomali lwakho kusho ukusabalalisa imali yakho emathubeni ahlukene ukuze unciphise ubungozi futhi wandise amathuba akho ezinzuzo ezinhle. Cabangela ukutshala izimali emikhakheni ehlukene noma amakilasi ezimpahla, njengezitoko, amabhondi, izindlu, noma izimali zenkomba.

3. Hlala unolwazi: Izwe lokutshalwa kwezimali liyaguquguquka futhi liyashintsha njalo. Hlala unolwazi lwakamuva ngezindaba zakamuva namathrendi emakethe yezezimali. Landela ochwepheshe bokutshalwa kwezimali, funda izincwadi ezikhethekile nezindatshana, futhi ubambe iqhaza emiphakathini eku-inthanethi ehlobene nokutshala imali. Ulwazi olubuyekeziwe luzokusiza wenze izinqumo ezingcono futhi usebenzise amathuba angase avele.

9. Amathiphu okuthola imali ngokushesha ngaphandle komsebenzi wendabuko

Uma ufuna izindlela zokwenza imali ngokushesha ngaphandle kokuba nomsebenzi wesintu, nanka amathiphu angakusiza. Khumbula ukuthi lezi zindlela zidinga umzamo nokuzinikela, kodwa zingakunikeza ithuba lokukhiqiza imali ngaphandle komsebenzi ojwayelekile.

1. Thengisa imikhiqizo noma amasevisi ku-inthanethi: Indlela enhle yokwenza imali ngokushesha ukuthengisa online. Dala isitolo se-inthanethi futhi unikeze ngemikhiqizo noma amasevisi ongawahlinzeka, njengezinto ezenziwe ngezandla, izinsiza zokubonisana, noma izifundo ze-inthanethi. Sebenzisa amapulatifomu e-e-commerce adumile afana no-Shopify noma i-Etsy ukuze ufinyelele izethameli eziningi futhi uqinisekise ukuthi uthuthukisa imikhiqizo noma amasevisi akho ezinkundleni zokuxhumana.

2. Yenza umsebenzi ozimele: Uma unamakhono athile, njengokuklama kwezithombe, ukubhala, ukuhlela iwebhu, noma ukuhumusha, cabanga ukuba yi-freelancer. Bhalisa ezisekelweni ezifana ne-Freelancer noma i-Upwork bese uqala ukufuna amaphrojekthi alingana namakhono akho. Lezi zinkundla zikuvumela ukuthi uzibekele amanani namahora akho, okukunikeza ukuguquguquka kanye nethuba lokuzuza imali eyengeziwe.

3. Bamba iqhaza kuzinhlolovo eziku-inthanethi noma kuma-microtasks: Ezinye izinkampani zinikeza izinkokhelo zokuqedela uhlolovo lwe-inthanethi noma ukwenza imisebenzi emincane, njengokuhlola izinhlelo zokusebenza noma ukuloba amafayela. Bhalisa ku amawebhusayithi amasayithi athembekile njenge-Swagbucks noma i-Amazon Mechanical Turk, lapho ungathola khona imisebenzi ehlukahlukene ekude ongayenza ngesikhathi sakho samahhala ukuze uthole imali eyengeziwe.

10. Ungawasebenzisa kanjani kahle amakhono akho ukuze ungenise imali esheshayo

Abanye abantu bangase babe namakhono athile okubavumela ukuba benze imali ngokushesha, kodwa kungaba inselele ukwazi ukuthi lawo makhono angasetshenziswa kanjani kahle. Nawa amanye amasu namathiphu okusebenzisa amakhono akho ngokugcwele futhi ungenise imali ngokushesha nangempumelelo.

1. Thola amakhono akho abaluleke kakhulu: Into yokuqala okufanele uyenze ukubona ukuthi yimaphi amakhono akho abaluleke kakhulu futhi afanele ukuze ungenise imali ngokushesha. Ungacabanga ngalawo makhono onguchwepheshe kuwo noma onolwazi lwangaphambilini kuwo. Isibonelo, uma ungumhleli onekhono, unganikela ngezinsizakalo zokuthuthukisa isofthiwe kumakhasimende adinga izixazululo zobuchwepheshe.

2. Cwaninga ngemakethe: Ngaphambi kokuthi uqale ukunikeza amakhono akho, kubalulekile ukucwaninga imakethe ofuna ukwenza imali kuyo. Khomba izethameli zakho ozihlosile futhi uthole ukuthi hlobo luni lwesidingo esikhona samakhono akho kuleyo makethe. Lokhu kuzokuvumela ukuthi uguqule okunikezwayo kwakho futhi usungule amanani ancintisanayo. Ungenza izinhlolovo, uhlaziye umncintiswano, futhi uthintane nemithombo ethembekile yolwazi ukuze uthole umbono ocacile wemakethe.

11. Ukuhlola ubungozi obuhambisana nokwenza imali ngokushesha

Lapho ufuna izindlela zokwenza imali ngokushesha, kubalulekile ukuhlola ubungozi obuhambisana nalezi zinketho. Nakuba kungase kulingeke ukuthatha izinqamuleli ukuxazulula izinkinga zezezimali zesikhashana, kubalulekile ukuqonda imiphumela engase ibe khona futhi wenze izinqumo ezinolwazi. Kulesi sigaba, sizobheka ezinye zezingozi ezivame kakhulu ezingavela lapho uthola imali ngokushesha nokuthi ungazihlola kanjani kahle.

Ingozi yesikweletu eseqile: Enye yezinto ezikhathazayo kakhulu lapho uthola imali ngokushesha ukuthi kungenzeka ukuqongelela izikweletu ezeqile. Kubalulekile ukucabangela ukuthi imalimboleko noma umthombo wezimali owucabangelayo ungalawuleka yini esikhathini eside. Ngaphambi kokuthi uzibophezele, hlola amandla akho okubuyisela futhi uqonde imigomo nemibandela yemalimboleko. Gwema ukuwela esilingweni sokufaka isicelo semalimboleko esheshayo eminingi ngaphandle kokucabangela kahle isimo sakho sezezimali samanje.

Ingozi yokuwela emikhonyovuni noma ekukhwabaniseni: Uma ufuna amathuba okwenza imali ngokushesha, kufanele ubhekisise imikhonyovu engase ibe khona. Qaphela okunikezwayo okubonakala kukuhle kakhulu ukuthi kube yiqiniso futhi njalo kuqinisekisa ukwethembeka komthombo. Cwaninga isithunzi senkampani noma somuntu osebenza naye futhi ufunde izibuyekezo zakhe abanye abasebenzisi. Ungalokothi wabelane ngolwazi lomuntu siqu noma lwezezimali olubucayi ngaphandle kokuba nesiqiniseko sokuba semthethweni kokwenziwayo.

12. Uzibekela kanjani imigomo yezezimali yesikhathi esifushane efinyelelekayo

Ukubeka imigomo yezezimali yesikhashana esifushane efinyelelekayo kubalulekile ekugcineni impilo enhle yezezimali nokufeza imigomo yethu yesikhathi eside. Nawa amanye amathiphu asebenzayo angakusiza ukuthi uchaze futhi ufeze izinjongo zakho:

1. Chaza imigomo yakho yezezimali: Isinyathelo sokuqala sokubeka imigomo yesikhathi esifushane efinyelelekayo ukucaca ngalokho ofuna ukukuzuza. Kungakhathaliseki ukuthi ukongela uhambo, ukuthenga ikhompuyutha entsha, noma ukukhokha isikweletu, zibekele imigomo eqondile, enengqondo. Linganisa inani lemali oyidingayo futhi ubeke umnqamulajuqu wokufinyelela kuyo.

2. Dala uhlelo lokusebenza: Uma usuyichazile imigomo yakho, sekuyisikhathi sokwenza uhlelo olunemininingwane yesenzo. Khomba izenzo ezithile okufanele uzithathe ukuze ufeze izinjongo zakho. Ingabe udinga ukuthuthukisa amakhono akho ezezimali? Ingabe kufanele unciphise izindleko zakho? Ingabe kufanele ubheke imithombo emisha yemali engenayo? Hlukanisa imigomo yakho ibe yimisebenzi emincane bese usetha umugqa wesikhathi wawo ngamunye.

3. Landela intuthuko yakho: Kubalulekile ukugada njalo ukuqhubeka kwakho ukuze uqinisekise ukuthi usemgudwini ofanele obheke ezinhlosweni zakho zezezimali. Gcina umkhondo weholo lakho kanye nezindleko, futhi uziqhathanise nohlelo lwakho lokusebenza. Yenza izinguquko uma kudingeka futhi uhlale ugxile emigomweni yakho. Ukugubha izimpumelelo ngokuhamba kwesikhathi kuzokugqugquzela ukuthi uqhubeke.

13. Izinto okufanele zicatshangelwe ngaphambi kokuthi uqale ukufuna imali esheshayo

Ngaphambi kokuthi uqale ukufuna imali esheshayo, kunezici ezimbalwa ezibalulekile okufanele uzicabangele. Esinye sezici ezifanele kakhulu ukuhlola isimo sakho sezezimali samanje. Hlaziya iholo lakho lanyanga zonke kanye nezindleko ukuze unqume ukuthi uyayidinga ngempela yini imali ephuthumayo noma zikhona yini ezinye izindlela zokuxazulula isimo sakho ngaphandle kokusebenzisa imalimboleko noma izikweletu ezisheshayo.

Esinye isici okufanele sicatshangelwe ukucwaninga izinketho ezahlukene ezitholakalayo ukuze uthole imali esheshayo. Kukhona ezinye izindlela ezihlukile ezifana nokubolekwa imali komuntu siqu, amakhadi esikweletu, imigqa yezikweletu kanye ne-pawning yezinto ezibalulekile, phakathi kokunye. Inketho ngayinye inezinzuzo zayo kanye nokubi, ngakho-ke kubalulekile ukucwaninga nokuqhathanisa izimo, amanani enzalo kanye nemigomo yendlela ngayinye ngaphambi kokwenza isinqumo.

Ngaphezu kwalokho, kubalulekile ukucabangela isibopho sezezimali. Ngaphambi kokucela noma yiluphi uhlobo lokuxhaswa ngezimali, hlola umthamo wakho wokukhokha futhi uqiniseke ukuthi ungakwazi ukuhlangabezana nezibopho okuvunyelwene ngazo. Ungeqi inani eliceliwe futhi ucabangele ubungozi obungaba khona kanye nemiphumela yokungakwazi ukukhokha ngesikhathi.

14. Ungawugcina kanjani umqondo omuhle ngesikhathi senqubo yokwenza imali esheshayo

Isinyathelo 1: Yazi imicabango yakho engemihle

Isinyathelo sokuqala sokugcina isimo sengqondo esihle ngesikhathi senqubo yokwenza imali esheshayo ukuqaphela nokubekela inselele imicabango yakho engemihle. Ngokuvamile, izinkolelo zethu ezikhawulelayo kanye nemicabango yokungabi nathemba kungavimbela inqubekelaphambili yethu empumelelweni yezezimali. Zinike isikhashana ukuhlonza leyo micabango engemihle futhi uphonsele inselelo ukufaneleka kwayo. Khumbula, imicabango yakho inamandla amakhulu phezu kweqiniso lakho, ngakho qiniseka ukuthi iyakha futhi iyakha.

Paso 2: Establece metas claras y realistas

Isici esiyinhloko sokugcina umqondo omuhle phakathi nenqubo yokwenza imali esheshayo ukubeka imigomo ecacile nengokoqobo. Imigomo inikeza isiqondiso nokugxila, okungase kusigcine sikhuthazekile futhi sinombono omuhle. Qiniseka ukuthi izinhloso zakho ziqondile, ziyalinganiseka, ziyafinyeleleka, zifanelekile futhi zihambisana nesikhathi. Ngokuba nemigomo ecacile, uzokwazi ukubona ngeso lengqondo impumelelo yakho yezezimali futhi usebenze ngokuphumelelayo kuzo.

Isinyathelo sesi-3: Zizungeze nabantu abaqondile nabakhuthazayo

Inkampani oyigcinayo ngesikhathi sokwenza imali ngokushesha idlala indima ebalulekile emcabangweni wakho nasekugqugquzeleni kwakho. Zizungeze ngabantu abaqondile nabakhuthazayo abakwesekayo endleleni yakho eya empumelelweni yezezimali. Laba bantu bangakunikeza isikhuthazo esidingekayo lapho uzizwa uphansi futhi bangabelana ngolwazi lwabo siqu kanye namathiphu okugcina isimo sengqondo esihle. Gwema labo abakudonsela phansi noma abakwenza ungabaze amakhono akho. Gcina inethiwekhi yokwesekwa eqinile evuselela imicabango nemizwa yakho emihle.

Sengiphetha, kunamasu nezindlela ezahlukahlukene ezingakusiza ukuthi uthole imali ngokushesha. Ngokusebenzisa amasu ezezimali kanye nokusetshenziswa kwezinsiza ezikhona, kungenzeka ukuthola izimali ezidingekayo ngezikhathi eziphuthumayo noma ukuhlangabezana nezinhloso zezezimali zomuntu siqu.

Kubalulekile ukuqaphela ukuthi ukuthola imali ngokushesha akungenazo izingozi nokucatshangelwa okubalulekile. Kubalulekile ukuhlola ngokucophelela izinketho ezikhona, kucatshangelwa izici ezifana nenzalo, imigomo yokukhokha, izidingo kanye nemibandela esungulwe ababolekisi.

Ngaso sonke isikhathi khumbula ukubeka phambili ukuphathwa kwezimali okunesibopho futhi uhloniphe amandla akho okukhokha ngaphambi kokucela noma yiluphi uhlobo lokuxhaswa ngezimali okusheshayo. Ngaphezu kwalokho, kunconywa ukuba ufune iseluleko sochwepheshe noma uthintane nochwepheshe endaweni ukuze wenze izinqumo ezinolwazi futhi ugweme ukuwela ezimweni zezikweletu eziningi noma izinkinga zezezimali zesikhathi eside.

Ngamafuphi, ukwenza imali ngokushesha kungenzeka uma uthatha izinyathelo ezifanele futhi ucabangele zonke izinguquko ezihilelekile. Ukuhlela, ukuhlaziya okuningiliziwe kanye nombono ongokoqobo wezinketho ezitholakalayo kubalulekile ukuze uzuze ibhalansi eqinile yezezimali futhi ugweme ukuhlehla esikhathini esizayo. Hlala ukhumbula ukwaziswa, qaphela izidingo zakho zezezimali futhi wenze izinqumo ezisekelwe endleleni yobuchwepheshe nengathathi hlangothi ukuze uthole imiphumela engcono kakhulu.