Ingaba imali yobuqu ibhekisa entwenini?

Ngaba ukulungele ukuba yinkosi imali yakho kwaye ulungiselele ikamva lakho ? Inyathelo lokuqala kukuqonda imali yomntu. Ukulawula imali yakho kuyimfuneko ukuze uphile ubomi obuzimeleyo nobukhuselekileyo, nokuba uceba ingxowa-mali yakho yomhlalaphantsi okanye ulondolozela imoto.

Imali yobuqu ibandakanya ukuvavanya umvuzo wakho, iimfuno zakho zemali kunye nokwabela imali yakho rhoqo kwiindleko eziyimfuneko. Eyona njongo iphambili ukuze ube nomfanekiso ocacileyo weendleko zakho ukubeka imali ecaleni ukugcina kunye nokutyala imali.

Ukuqonda imali yobuqu kunokukunceda ukuba uthathe ulawulo olungcono lwemali yakho kwaye ulungiselele impumelelo yezemali yexesha elizayo.

Ngapha koko, imali yobuqu imalunga nendlela thina, njengabantu okanye iintsapho kwaye hayi njengamashishini okanye imibutho, masiyiphathe imali yethu, siyigcine kwaye siyityale.

Ukutyelela ivenkile yethu, unethuba lokuthenga uqeqesho lwethu lweprimiyamu yokulawula ngcono iimali zakho zobuqu.

🌿 Yintoni imali yomntu?

ezemali zobuqu malunga nokulawula imali yakho ukuphumeza iinjongo zakho zemali. Ngokuqhelekileyo zichaphazela ixesha elide.

Imali yobuqu ichaza zonke izigqibo zemali kunye nemisebenzi yomntu okanye yekhaya, kubandakanywa uhlahlo lwabiwo-mali, i-inshorensi, isicwangciso se-mortgage, ukugcinwa, kunye nokucwangcisa umhlalaphantsi.

Inqaku eliza kufundwa: Yazi yonke into malunga nezezimali?

Inxalenye yokulawula iimali zakho zobuqu uhlahlo lwabiwo-mali – ukwenza isicwangciso esicwangcisiweyo esichaza umvuzo kunye neendleko. Umbono osisiseko kukuzibeka kwindawo apho ungachithi imali eninzi kunaleyo uyifumanayo.

Ukucwangcisa uhlahlo lwabiwo-mali kubandakanya ukulandelela umvuzo wakho kunye nokuba ungakanani umvuzo wakho owugcinayo kwaye uchithe.

Ngokusisiseko, uhlahlo lwabiwo-mali lwabela izixa-mali ozifunayo ukuxhasa iindleko zakho zokuphila, iminqweno yakho, kunye nazo naziphi na iindleko. ngokukhawuleza » iziganeko ezingalindelekanga, kunye nokubeka imali ecaleni kutyalo-mali.

Inqaku eliza kufundwa: Indlela yokuba nenkululeko yezemali?

Uhlahlo lwabiwo-mali kubaluleke kakhulu kwinkululeko yemali nokhuseleko. Uhlahlo lwabiwo-mali lukunceda ukuba ugxile kwiinjongo zakho zemali zexesha elide kwaye ulandelele ukonga kwakho kunye nenkcitho.

Inokukubonisa apho ufuna khona ulawulo ngakumbi kwindlela ochitha ngayo imali, njengokuthenga ngemvo – izinto obungacebanga ukuzithenga kodwa ugqibe ekubeni uzithenge nje ngokuthanda kwakho.

Ukuba nohlahlo lwabiwo-mali endaweni kukuvumela ukuba wenze ukhetho olungcono kwaye, ngoko ke, ungakhathazeki ngokugqithiswa kwemali kunye namatyala. Qaphela ukuba uhlahlo lwabiwo-mali lwentsapho luluncedo kungakhathaliseki ubomi bakho okanye imeko yekhaya.

Inqaku eliza kufundwa: I-Cryptography: Coin Versus Token 

Kumntu ofumana imali encinci, oku kuluncedo ekufumaneni imali nyanga nganye. Ikwalungile nakumntu orhola kakhulu.

Khumbula: ayithethi malunga nokwazi urhola malini, mais ugcina kangakanani kwaye utyale imali ibalulekile kwindlela eya kwinkululeko yezemali.

🌿 Ezemali zobuqu - iindawo ezintlanu eziphambili

Ukukunceda ukuba uqonde ngokupheleleyo le mali, sijonga iinkalo ezintlanu eziphambili zezimali zomntu.

🔰 Umvuzo

Umvuzo wethu yimali esiyifumanayo size siyisebenzise ukuthenga izinto, ukuxhasa abantu esibathandayo, ukuhlawula amatyala, ukonga nokutyala imali.

Imivuzo, imivuzo yeyure, iikomishini, ipenshoni, izipho, izabelo, iintlawulo zikarhulumente kunye neebhonasi yimizekelo yengeniso ebambekayo.

Ingeniso ibhekiselele kwimali – ezinkozo okanye izinto ezilingana nemali – engena mhlawumbi ngomsebenzi owenziweyo, inzala okanye ingeniso evela kwinkunzi etyaliweyo, okanye irenti evela kwipropati okanye kumhlaba orentwayo. Xa ephuma emsebenzini, ibizwa ngokuba ngumvuzo.

🔰 Ukuchitha

Inkcitho ichasene nengeniso. Yimali ephumayo. Imizekelo ibandakanya ukuhlawula amatyala, irenti, imali mboleko, ukuhlawulela iziselo nabahlobo, ukuthenga izinto ezityiwayo, ukuthenga izipho nokunikela kwisisa.

Iintlawulo zethu nge ikhadi letyala kunye neerhafu nazo ziindleko.

Inqaku eliza kufundwa: Iimfihlo ezingapheliyo zokuhlawula ngokukhawuleza amatyala akho

Sisebenzisa imali yethu okanye ngemali esiyibolekayo, o.k.t. ngetyala. Iindleko zenza inxalenye ebalulekileyo yomvuzo wabantu abaninzi.

Xa usebenzisa imali engaphezu kwaleyo uyifumanayo, unokuzifumana usengxakini yezemali. Le meko yenza ukuba ulahlekelwe inkululeko yakho yezemali.

Musa ukukujongela phantsi ukubaluleka kolawulo lwenkcitho. Ibaluleke kakhulu, kwaye mhlawumbi nangaphezulu, kunokuvelisa ingeniso.

🔰 Ugcino

Ukuba umvuzo wakho mkhulu kuneendleko zakho, yinto entle leyo, une surplus. Le yimali onokuyigcina. Iingcali zezoqoqosho ngamanye amaxesha zibhekisa kukonga njengosetyenziso olulityazisiweyo. Zininzi iindlela zokugcina imali.

Ukuba awuzithandi okanye awuzithembi iibhanki namanye amaziko emali, ungayityala imali yakho. Kukho intetho endala kule nto: " ogcina imali yakhe phantsi komandlalo.

Inqaku eliza kufundwa: Indlela yokunciphisa uxinzelelo lwakho lwezezimali

Uninzi lwabantu lunayo iakhawunti yebhanki yokonga, ebizwa ngokuba yiakhawunti yedipozithi kwezinye iindawo zehlabathi. Unokwenza iintlawulo kwi-akhawunti yomhlalaphantsi.

Ukuba abantu abaninzi bonga kakhulu, uqoqosho lwelizwe lunokonakala. Uqoqosho lwaseJapan luchaphazeleke kukukhula okubuthathaka kakhulu phantse iminyaka engamashumi amabini kuba abathengi bebengasebenzisi ngokwaneleyo - bagcine kakhulu. Ukuba abantu abachithi mali, amashishini ayasokola.

🔰 yityale

Ukuba awonwabanga ngembuyekezo oyifumanayo kwiakhawunti yakho yokonga, kufuneka ucinge ngokutyala imali. Unokuthenga iimpahla ezifana nezitokhwe kwaye unethemba lembuyekezo engcono ekugqibeleni.

Utyalo-mali yeyona ndawo inzima yezemali zobuqu kwaye yenye yeendawo apho abantu bafumana awona macebiso kubuchwephesha.

Icandelo otyala kulo lixhomekeke ekubeni unobungozi okanye ufuna umngcipheko. Umtyali-mali Umngcipheko akakuthandi ukuthatha umngcipheko omkhulu. Umtyali-mali ofuna umngcipheko ufuna imbuyekezo ephezulu, nokuba oko kuthetha umngcipheko omkhulu.

Ngaphandle kwezitokhwe, unokuphinda ucinge ngokutyala imali kwi-real estate, iimali ezihlangeneyo, okanye iibhondi. Ukuba unemali eyaneleyo, unokutyala imali kwishishini lokuqalisa lomntu ukuba uyawuthanda umbono wabo.

🔰 Ukukhuselwa

Ukhuseleko kwiimali zomntu siqu lubandakanya ukugada kwiziganeko ezingathandekiyo okanye ezingalindelekanga. Kukwakhusela umdla wezezimali wabo ubathandayo.

Imizekelo ibandakanya i-inshurensi yekhaya, i-inshurensi yemoto, i-inshurensi yomvuzo, kunye ne-inshurensi yeziqulatho zekhaya. Baya kukukhusela ukuba kukho nantoni na eyenzekayo kwikhaya lakho, emsebenzini wakho, kwifenitshala yakho, njl., okanye imoto yakho.

Ukuba uhlala kwilizwe elingenalo ukhathalelo lwempilo jikelele lwasimahla, cinga ngokufumana i-inshurensi yezempilo.

🌿 Ezemali zobuqu – into omawuyenze

Kubantu abaninzi, ukuzama ukukhusela ubomi babo ngokwemali kunokubonakala kungumsebenzi onzima okanye owoyikisayo. Lowo ufuna inqanaba ubuchwephesha abangenabo.

Musa ukuphelelwa lithemba, awuwedwa. Ukuqala, zibekele usukelo olulula. Zama ukuchonga ukuba uphi ngoku kwaye ulindele okanye ungathanda ukuba khona kwiminyaka emihlanu okanye elishumi.

Bala ukuba unayo intsalela yenyanga okanye intsilelo. Ngamanye amazwi, ngaba umvuzo wakho wenyanga ungaphezulu okanye ungaphantsi kweendleko zakho. Xa uyenzile le nto, uyenzile wenze isicwangciso kunye nohlahlo lwabiwo-mali.

Ngaba uyafuna ukuphinda ulawule iimali zakho zobuqu? Akukho maxhala, ndifumene ikhonkco elidibeneyo elikuvumela ukuba wenze njalo Thatha kwakhona ulawulo lwemali yakho kwiiveki ezi-6, Ndikucebisa ukuba uyithenge.

Kumanyathelo akho alandelayo, unokhetho ezimbini:

🔰 Uphando

Chitha inyanga okanye ngaphezulu ufunda kangangoko unako malunga nezimali zobuqu. Kukho amawaka amanqaku anomdla kwaye aluncedo kunye neevidiyo kwi-intanethi.

Okulandelayo, jonga ukuba ukwimeko engcono na yokuqalisa ubomi obukhuselekileyo ngokwasemalini.

🔰 Funa uncedo

Fumana uncedo lwengcali. Baninzi abacebisi bezezimali abanokukunceda ukuba uqalise. Qinisekisa ukuba nguwe ukukhetha kufanelekile. Ungayicela ibhanki yakho ukuba ibonelela ngenkonzo yokucebisa ngezezimali.

Nangona kunjalo, umntu wabo mhlawumbi ungumcebisi odibeneyo; baya kukunika iingcebiso kuphela kwiimveliso zebhanki zabo. Abacebisi bezezimali abazimeleyo banokufikelela kuluhlu olubanzi kakhulu lweemveliso zemali.

Ukuba ngoku ufuna uncedo lokulawula ngcono iimali zakho zobuqu, ungalibazisi ukuqhagamshelana nathi.

🌿 ImiGaqo yeMali yoMntu ebalulekileyo

🔰 Uhlahlo lwabiwo-mali

Ukwenza uhlahlo lwabiwo-mali yinxalenye ebalulekileyo yokulawula iimali zakho zobuqu. Uhlahlo lwabiwo-mali luyakunceda jonga indlela osebenzisa ngayo imali uze ucebe indlela oza kuwusebenzisa ngayo umvuzo wakho nyanga nganye.

Qala ngokubala umvuzo wakho wenyanga uwonke, emva koko sebenzisa i-app ukulandelela zonke iindleko zakho nyanga nganye. Oku kuya kukunceda ubone apho iya khona imali yakho, apho unokonga khona, nalapho unokuchitha khona intwana yenyanga nganye.

🔰 I-inshorensi

Ukuthenga i-inshurensi yenye inxalenye ebalulekileyo yokulawula iimali zakho zobuqu. Ngokuthatha i-inshorensi, uyazikhusela kwiingozi kwaye uqinisekise ukhuseleko lwemeko yakho yezinto eziphathekayo.

🔰 Iyagcina 

Nokuba ukwiminyaka yakho yama-XNUMXs kwaye usaqala ukufunda malunga nezezimali zobuqu, okanye ukwiminyaka yakho engama-XNUMX kwaye ujonge ukulawula ngcono iimali zakho, inye into eqinisekileyo, kufuneka ulondolozele ixesha elizayo.

Kubalulekile ukuseka ingxowa-mali yokonga ngexesha likaxakeka ukuhlawulela naziphi na iingxaki zemali kunye nesicwangciso sokulondoloza umhlalaphantsi ukuze sikuncede kwixesha elizayo.

Ukuba unengxaki yokulawula iimali zakho zobuqu, yazi ukuba sinoqeqesho lweprimiyamu olukuvumela ukuba wonge ngcono, unciphise iindleko zakho, wenze utyalo-mali olufanelekileyo okanye wazi ukuba ungawulungiselela njani umhlala-phantsi wakho nokuba unomvuzo omncinci. Ungaluthenga uqeqesho lwethu kwi-Master imali yakho yobuqu uMqulu 1.

Ukuba ufuna iinkonzo zethu, unganqikazi ukuqhagamshelana nathi.

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