Indlela yokwenza ucwangciso oluhle lwezemali?

Isicwangciso sezemali sisikhokelo semali yakho kwaye sikunceda ukuba ufezekise iinjongo zakho. Ukucwangciswa kwemali kunokwenziwa yedwa okanye kunye nengcali.

Isicwangciso sezemali ngumfanekiso opheleleyo weemali zakho zangoku, iinjongo zakho zemali, kunye nazo zonke izicwangciso ozibekeleyo ukuphumeza ezo njongo. Ucwangciso lwezemali olulungileyo kufuneka lubandakanye iinkcukacha ze imali yakho, ukonga kwakho, amatyala akho, utyalo-mali lwakho, i-inshurensi yakho kunye nayo nayiphi na enye into yobomi bakho bemali.

Akukho mntu ukukhathaleleyo impilo yakho yezemali ngaphezu kwakho. Ngoko ke kubalulekile ukuba ne isicwangciso semali ngokwakho. Ukuba nesicwangciso sezemali esiluqilima siya kukuvumela ukuba wonge imali, ufikelele oko ufuna ngokwenene, kwaye ufezekise iinjongo zexesha elide njengokugcina ikholeji kunye nomhlalaphantsi.

Ngokombono wam, ucwangciso lwezemali lubalulekile, ngakumbi kubasetyhini ngenxa yesithuba sentlawulo yesini. Ikwakunceda ukuba ufezekise okwakho inkululeko yezemali.

Kweli nqaku, ndiza kukuhamba ngayo yonke into oyifunayo ukuze ucwangcise ikamva lakho lezemali. Qhubeka ufunda, emva koko ulungele ukuthatha amanyathelo okuqala isicwangciso sakho sezemali.

Yintoni uCwangciso lwezeMali?

Ucwangciso lwezemali yinkqubo eqhubekayo leyo ukunciphisa uxinzelelo lwakho malunga nemali, iya kuhlangabezana neemfuno zakho zangoku kwaye ikuncede ukuba wakhe iqanda lendlwane usukelo lwakho lwexesha elide, njengokuthatha umhlala-phantsi. Ibalulekile kuba ikuvumela ukuba ufumane okuninzi kwi-asethi yakho kwaye inceda ekuqinisekiseni ukuba uyazifezekisa iinjongo zakho zexesha elizayo.

Elle ayenzelwa izityebi kuphela : Ukwenza imephu yendlela yekamva lakho lezemali yeyawo wonke umntu. Unokwenza isicwangciso semali ngokwakho okanye ufumane uncedo kwingcali yocwangciso lwezemali. Enkosi kwiinkonzo intanethi ezifana abacebisi be-robo, ukufumana uncedo kucwangciso lwezemali kuyafikeleleka kwaye kuyafikeleleka kunangaphambili.

Yintoni omawuyenze kuqala 

Masiqale ngokwenza uluhlu lwezinto oza kuzidinga ukuze uhambele kukhuseleko lwezemali. Ezi zinto zingezantsi zibalulekile kwisicwangciso sakho sezemali:

• Uhlahlo lwabiwo-mali lwenyanga lokukunceda ugcine iindleko zakho zingaphantsi komvuzo wakho
• Isicwangciso sokuhlawula amatyala kunye neendleko (usebenzisa ibhajethi yakho)
• Ukuqonda zonke ii-invoyisi zakho kunye nemihla yazo
• I-akhawunti kaxakeka exhaswa ngokupheleleyo ngemali
• Ulondolozo lomhlalaphantsi nokuba unomvuzo ophantsi
• Ipotfoliyo yotyalo-mali eyohlukeneyo
• Iindlela ezininzi zengeniso
• Ukongela ezinye izinto ozifunayo (umzekelo, iinjongo zakho zexesha elifutshane, eliphakathi kunye nexesha elide)
• Uhlobo olufanelekileyo lwe-inshurensi (ubomi, impilo, ukukhubazeka, ikhaya, njl.)

Yintoni omawuyenze ngokulandelayo 

Musa ukucinga ukuba kuselithuba okanye kusemva kwexesha kakhulu ukuba ube nesicwangciso semali. Ngokwahlukileyo koko, ngoku lixesha KUPHELA ukuqala !

1. Isicwangciso sakho

Ukuba akutshatanga, kubalulekile ukuba ube nesicwangciso semali esingakuncedi nje ukuphumeza iinjongo zakho zangoku, kodwa sikwaqinisekisa ukuba ikamva lakho liyakhathalelwa. Kuthetha ukwenza zonke ezi zinto zikhankanywe ngasentla ngaphandle kokwenza intelekelelo yokuba izinto ziya kuhamba ngendlela enye okanye enye.

Impazamo enkulu? Ukucinga ukuba udibana nomntu oya kukukhathalela kwaye anakekele imali yakho yobudlelwane.

Ukuba imeko yakho yobudlelwane iyatshintsha okanye utshatile, uya kukuxhobela kakuhle ukucwangcisa imali yakho kunye ukuba sele unezinto ozilungeleyo.

2. Isicwangciso somtshato wakho

Ukuba utshatile okanye unomntu omthandayo, kufuneka uthathe inxaxheba kwiimali zakho njengeqela. Xoxa ngebhajethi yakho kunye neenjongo zemali kwaye wenze izigqibo zemali kunye. Qonda apho iya khona imali yakho kwaye ingakanani imali onayo kulondolozo kunye notyalo-mali. Ngendlela, nali inqaku elikubonisayo indlela yokulawula iimali zakho xa usandul’ ukutshata.

- Ngaba kufuneka sibe neeakhawunti ezidibeneyo okanye iiakhawunti ezahlukeneyo?

Ukuba neeakhawunti ezidityanisiweyo kuhle, kodwa ndiyakholelwa ekubeni nezakho ii-akhawunti zokonga. Ukuba ungumfazi ngoko ke kubalulekile ukuba uphuhlise imvakalelo yakho yokhuseleko kwaye ube 'neyakho' oyizisa etafileni.

Kodwa musa ukuziva unyanzelekile ukuba ugcine iiakhawunti zakho zobuqu ziyimfihlo. Khumbula ukuba umtshato kunye ubudlelwane obuzinikeleyo busekelwe elubala nokunyaniseka.

Nokuba usebenzisana neqabane lakho okanye uhamba wedwa, indlela eya kwinkululeko yezemali ayisoloko ilula kwaye ilungiswe ngokugqibeleleyo. Kodwa musa ukuphelelwa lithemba; Lixesha lokusonga imikhono yethu kwaye singcolise izandla zethu. Kulungile, lixesha lokufunda indlela yokwenza isicwangciso esiqinileyo sezemali.

Indlela yokwenza isicwangciso semali esiqinileyo?

Ngoku makhe sibone indlela yokwenza isicwangciso semali esilungileyo. Ngezantsi, uya kufumana amanyathelo alishumi okudala isicwangciso sezemali esiluqilima.

1. Bhala phantsi iinjongo zakho zemali

Into yokuqala malunga nocwangciso lwezemali kukubeka iinjongo. Ukuba neenjongo zemali sisiseko sempumelelo yakho yezemali. Emva kwayo yonke loo nto, kuya kufuneka uyazi into ofuna ukuyenza ukuze uyifezekise. Nangona kunjalo, xa kuziwa ekubekeni iinjongo, ufuna ukuqiniseka ukuba iinjongo zakho zichazwe kakuhle kwaye zibekwe phambili ngokufanelekileyo.

Kumnandi ukuba iinjongo ezinkulu nezihloniphekileyo ! Kodwa qiniseka ukuba uyazahlula zibe ngamaqhekeza amancinci. Ngale ndlela, awudinwa kukuzama ukuzifeza kwaye unokulinganisa inkqubela yakho ngokulula.

2. Yenza ingxowa-mali kaxakeka

Kukwabaluleke kakhulu ukuba enye yeenjongo zakho ibandakanye isicwangciso sokujongana neemeko zikaxakeka. Ufuna ukuqiniseka ukuba ukulungele ukumelana nesiphango. Kungenjalo, uya kuzifumana usematyaleni kwakhona.

3. Hlawula amatyala akho

Ukuze ucwangciso lwakho lwezemali lube luqilima, kufuneka kwakhona ucinge ngokuhlawula amatyala akho. Ngelishwa, awukwazi ukutsiba-ukuqala ikamva lakho lezemali ukuba unetoni yamatyala.

Phakathi kwenzala egqithisileyo, ubuncinci beentlawulo zenyanga, kunye nomonakalo onokwenziwa ngamatyala amaninzi kumanqaku akho etyala, kungcono uhlawule amatyala akho kuqala.

Yenza isicwangciso sokuhlawula amatyala kwaye ube nomonde kodwa ungaguquguquki njengoko uzama ukukhulula amatyala. Nantsi iimfihlo ezingenasiphoso zokuhlawula ngokukhawuleza amatyala akho.

Nali ikhonkco elidityanisiweyo elikubonisayo 30 IINGCEBISO ZOKUGCINA FUTHI UCHITHE INGCANE. Ndincoma kakhulu ukuba uthenge olu qeqesho kuba njengoko ndikuxelele kwelinye loqeqesho lwam, yayiluqeqesho olwandivumela ukuba ndilahle ngokukhawuleza amatyala am kwiminyaka emibini edlulileyo.

4. Yenza isicwangciso sotyalo-mali

Isicwangciso sotyalo-mali sikwayinxalenye yocwangciso lwakho lwezemali. Ukuba ufuna ngokwenene ukwakha ubutyebi, ngoko kufuneka ubeke imali yakho ukuze ikusebenzele. Kulapho utyalo-mali lungena khona.

Nangona kunjalo, ngaphambi kokuba utyale imali oyisebenze nzima, kubalulekile ukuba ube neenjongo ezichazwe kakuhle. Cinga ukuba utyalo-mali lufanelekile na xa ufuna imali yakho kunye nokunyamezela kwakho umngcipheko.

Utyalo-mali ngumsebenzi wexesha elide kwaye ngoko kuyingozi. Ke kuya kufuneka uzibophelele kuyo ukuba ufuna ngokwenene ukubona imali yakho ikhula. Ngaba unexhala lokufuna imali yakho ngesaziso esifutshane? Kulungile, yiloo nto ii-akhawunti zakho zogcino; beka ecaleni kwakho ugcino olungxamisekileyo kunye nemali yakho kwiinjongo zakho zexesha elifutshane.

Kwakhona ufuna ukuqiniseka ukuba unokuqonda okusisiseko (ubuncinci) balo naluphi na utyalo-mali ofaka kulo imali yakho (umzekelo, imarike yemasheya, i-real estate, okanye ishishini elincinci).

Izicwangciso zakho zotyalo-mali kufuneka zibandakanywe kuhlahlo lwabiwo-mali lwakho lwenyanga apho unikezela ngepesenti ethile yomvuzo wakho kwiinjongo zakho zotyalo-mali.

5. Fumana i-inshurensi efanelekileyo

Emva kokusebenza nzima ukuze ufumane imali yakho, into yokugqibela oyifunayo sisiganeko esingalindelekanga sokukusula. I-inshurensi ngokusisiseko sisicwangciso sakho sogcino esiza kukhusela izinto zakho xa iimeko zobomi zifuna isixa esikhulu semali ukuba sisonjululwe.

I-inshurensi yakho kufuneka ibandakanye impilo, imoto, ukukhubazeka, ubomi, ikhaya okanye irenti, kunye neshishini. Ngokusisiseko, ufuna ukukhusela nantoni na ebaluleke kakhulu kunye nexabiso lokuqinisekisa ukuba wena (kunye nabo ubathandayo) ukhuselwe ngokwezimali.

Ukuba ne-inshorensi efanelekileyo kunokuguqula into ebinokuba yintlekele enkulu ibe yingxaki nje.

6. Yenza isicwangciso somhlalaphantsi

Ukuze ube nendlela yokuphila oyiphuphayo kumhlala-phantsi, kufuneka uzilungiselele ngokwaneleyo. Kuya kufuneka uqikelele ukuba yimalini oza kuyidinga kumhlalaphantsi wakho, uthatha ingqalelo yokunyuka kwamaxabiso ezinto, kunye nendlela oceba ukonga ngayo nokutyala imali kwangaphambili ngelo xesha ebomini bakho.

7. Cwangcisa iirhafu

Ewe, iirhafu! Iirhafu ziyacaphukisa, kodwa ngokuqinisekileyo aziyi kuhamba nanini na kungekudala. Ke qiniseka ukuba uqikelelo lwakho lwengeniso yexesha elide lubandakanya iirhafu. Ukungaphumeleli ukucwangcisa iirhafu kunokuba nefuthe elikhulu ekuhambeni kwakho kwemali.

Ukongeza, ngokuqinisekileyo ufuna ukuphonononga iindlela zotyalo-mali zokonga irhafu kwaye uhlale uphezulu kuko nakuphi na ukutsalwa kwerhafu okufanelekileyo onokufaka isicelo sokukunceda wonge imali kwiintlawulo zerhafu.

Unokucwangcisa ukuhlala phantsi nomgcini-zincwadi werhafu okanye umcwangcisi-mali ukuze uqinisekise ukuba isicwangciso sakho serhafu sanele. Kuya kufuneka ujonge iposi yethu yebhlog malunga nendlela yokunciphisa ingeniso yakho erhafiswayo!

8. Yenza isicwangciso sezindlu

Ucwangciso lwezindlu asiyonto abantu abaninzi abathanda ukucinga ngayo, kodwa ibalulekile! Ikuvumela ukuba uqikelele ukuba kwenzeka ntoni kwii-asethi zakho emva kokuba umkile. Imalunga nokudwelisa zonke ii-asethi zakho, ukubhala incwadi yelifa, nokwenza ukuba ifumaneke kubantu abafuna ukufikelela kuyo. Umcwangcisi wezezimali okanye igqwetha lezindlu linokukunceda ulungelelanise izinto ngendlela efanelekileyo.

9. Hlaziya isicwangciso sakho rhoqoukuqinisekiswa kwemali

Ucwangciso lwezemali luqinile kuphela xa luphononongwa rhoqo. Emva kokuba usichazile kwaye usiphuhlise isicwangciso sakho sezemali, kubalulekile ukuphonononga isicwangciso sakho rhoqo kwaye wenze naluphi na uhlengahlengiso oluyimfuneko ukuba iinjongo zakho okanye iimeko zobomi ziyatshintsha.

Ngokomzekelo, Mhlawumbi i-inshurensi yakho kufuneka itshintshe, ukunyamezela kwakho umngcipheko kuyatshintsha, okanye uyatshata okanye ube nabantwana. Ubuncinci, ufuna ukujonga isicwangciso sakho sezemali sisonke qho kwiinyanga ezintandathu.

Xa ujonga rhoqo, kulula kuwe ukuba umelane neziganeko zobomi obungazilindelanga, ubuye umva kwiingxaki, kwaye ufezekise iinjongo zakho zemali.

Cinga ngento oyenzayo ukugcina impilo yakho yobuqu. Uhlamba amazinyo akho kunye neshawa rhoqo ukuze uhlale ucocekile kwaye uphephe izifo ezingeyomfuneko kuba sonke siyazi ukuba ukugula kunokukhokelela kwiingxaki zempilo kwaye awufuni oko. Kwaye ngenxa yokuba uyenza rhoqo, ibe yinxalenye yomkhwa wakho wokugcina impilo yemihla ngemihla - ke, kuyafana nakwimali yakho!

10. Hlala kwikhosi, kuphephe ukuchitha imali eninzi kwaye ufunde kwiimpazamo zakho

Indlela yakho eya kwinkululeko yezemali ayizusoloko ilula. Kuya kubakho iintsuku ezinzima, iiveki kunye neenyanga. Ukusukela iNjongo yokuZimela kwezeMali Kubotshelelwe kakhulu kuLwaneliseko olulibazisekileyo akusoloko kululonwabo, kodwa inokwenzeka ngokupheleleyo.

Yiba nesicwangciso esiluqilima semali yakho, uqeqesheke, kwaye uphephe ukusebenzisa kakhulu imali. Uya kufumanisa ukuba uya kuziva ulunge kangakanani xa wenze umzamo oqinileyo wokunamathela kuhlahlo lwabiwo-mali lwakho.

Ngelixa usebenza kwiimali zakho, usenokwenza iimpazamo ngemali yakho, kwaye oko kulungile. Ngamanye amaxesha usenokungakwazi ukumelana nomnqweno wokuthenga into engekho kuhlahlo lwabiwo-mali lwakho lwangoko. Kwaye ngamanye amaxesha uya kufuna ukukrazula isicwangciso sakho sezemali kwi-shreds kuba ayibonakali ngathi imnandi.

Nangona kunjalo, ukuba nje ugcina izizathu zakho zokuba kutheni, ufuna ukukhululeka ngokwezimali kwaye wenze umzamo wokubuyela umva ngokukhawuleza kwiimpazamo zakho, uzophuma kakuhle kakhulu. Kumalunga nokuphonononga iimpazamo ozenzileyo, ukuqonda isizathu sokuba uzenze, kwaye wenze isicwangciso sokuphepha ukuzenza kwakhona. Emva koko kuya kufuneka uthathe ezi zifundo kwaye uzisebenzise kwimpumelelo yakho yexesha elizayo.

Iingcebiso zokuHlola rhoqo iSicwangciso sakho sezeMali

Nanga amanye amacebiso okukunceda ujonge izicwangciso zakho zemali.

1. Zenzele inkqubo

Ixesha lokucwangcisa iveki nganye okanye ubuncinane kanye ngenyanga, ngokuqinisekileyo, ukwenza uhlolo lwempilo yezemali. Yiba nekofu kunye nawe okanye ubeke umculo omnandi kwaye ube nekomityi eshushu yeti ekhaya kwaye uchithe ixesha elithile uhlola izinto. Licebo elihle ukuseta isikhumbuzi kwikhalenda yakho ukuze ungalibali ngolu rekhodo.

2. Misela kwaye uphonononge iinjongo zakho zemali

Ukuba awukakwazi, kubalulekile ukuba uchaze iinjongo zakho zemali zexesha elifutshane kunye nezexesha elide ukuze wazi kakuhle ukuba usebenza ngantoni ngemali yakho. Ngokuhamba kwexesha, ufuna ukuqiniseka ukuba ubuyela kwakhona kwaye uphinde uphonononge iinjongo zakho ukuze uqiniseke ukuba zisezizinto ofuna ukuzifeza kwaye usendleleni yokuziphumeza.

3. Ukulungelelanisa ii-akhawunti zakho zebhanki kunye neentlawulo zeebhili

Jonga ukutsalwa kweakhawunti yakho yebhanki ngokuchasene neentlawulo zetyala obuzicwangcisile okanye ozithumele ngaphambili. Qinisekisa ukuba onke amatyala/amatyala angekahlawulwa ahlawulwe okanye acwangcisiwe.

Thelekisa iirisithi zakho kunye nentengiselwano yekhadi lakho letyala kwaye uqinisekise ibhalansi. Hlaziya uhlahlo lwabiwo-mali lwakho kwaye uthelekise ezona ndleko zakho noko ubucwangcise. Kanye ngenyanga, cwangcisa uhlahlo lwabiwo-mali lwenyanga ezayo.

4. Hlaziya imali oyigcinileyo notyalo-mali

Ukuba uneentengiselwano ezizenzekelayo ezisetyenzisiweyo ukwenza ukudluliselwa kwi-akhawunti yakho yokonga okanye yotyalo-mali, qiniseka ukuba uzijonge. Oku kuya kubandakanya naziphi na iidiphozithi ezizenzekelayo ozenzileyo ukuze ungene kwiiakhawunti zakho zomhlalaphantsi njl.

Ukuba awukaseta i-automation, yenza okanye ucwangcise ugqithiselo lwakho lwezandla kwiakhawunti yakho yokonga kunye notyalo-mali kwaye qiniseka ukuba ujonga kwaye uqinisekise ukuba intengiselwano igqitywe ngempumelelo.

Kwakhona cwangcisa ukuphonononga ipotifoliyo yakho yotyalo-mali ukuze uphinde ulungelelanise kwaye uyahlukanise njengoko kufuneka kwaye uqiniseke ukuba uyayijonga kwakhona imirhumo yakho!

5. Hlola iipolisi zakho ze-inshorensi

Kwakhona ufuna ukuqiniseka ukuba unodidi olufanelekileyo i-inshurensi yobomi bakho. Oku kubandakanya impilo, imoto, ubomi, ukukhubazeka, ikhaya, ipropathi yomntu, ishishini, njl.

Seta isikhumbuzi kabini ngonyaka apho uhlala phantsi kwaye uvavanye iindleko zemigaqo-nkqubo yakho eyahlukeneyo kwaye uthenge ngeenxa zonke ukuze ubone enye into ekhoyo. Ukulungelelanisa iiakhawunti zakho kunye nokucwangcisa imali yakho kuqinisekisa ukuba uyayazi yonke into eyenzekayo ngemali yakho kwaye usendleleni yokufezekisa iinjongo zakho.

6. Hlola ixabiso lakho le-net

Ixabiso lakho elixabisekileyo lingaphantse lichazwe njengethemometha esetyenziselwa ukulinganisa impilo yakho yezemali kwaye ufuna ukuyigcina umkhondo wayo.

Eyona nto iphambili yakho kufuneka ibe kukuhlawula amatyala amaninzi kangangoko kunokwenzeka, uqale ngetyala lakho elinenzala ephezulu, ukhulise ii-asethi zakho, kwaye ekuhambeni kwexesha ixabiso lakho lemali liya kuqala ukukhula.

Abantu abaninzi baqala ngenetha engalunganga xa beqala ukusebenza ekuphuculeni iimali zabo, kodwa ekuhambeni kwexesha kunye nokuqhubeka nokwenza imikhwa elungileyo yezemali, oku kuya kutshintsha.

Imibuzo onokuyibuza xa uphonononga isicwangciso sakho sezemali

Nantsi eminye imibuzo yokukunceda kule nkqubo:

• Ngawaphi amanyathelo endiwathathileyo kule nyanga idlulileyo ukusondela kwiinjongo zam?
• Zeziphi izinto ezindisusayo kwiinjongo zam?
• Ngaba inkcitho yam yayihambelana nemilinganiselo yam engundoqo?
• Zeziphi iimpazamo zemali endizenzileyo kule nyanga iphelileyo?
• Ndizenzile ntoni?
• Ngaba iinjongo zam zemali ziseyinyaniso?
• Zeziphi iindleko ezinkulu ezizayo kungekudala?
• Ngaba ingxowa-mali yam yexesha likaxakeka ixhaswa ngokupheleleyo ngeenyanga ezi-6-9 zokuchitha imali ngokusekelwe kwiimfuno zangoku ezisisiseko endinazo namhlanje?
• Ngaba ndiyonga imali eyaneleyo yokuthatha umhlala-phantsi ngokukhululekileyo ngokusekelwe kwisixa sam esifanelekileyo somhlalaphantsi?
• Awuyazi imali yakho?
• Ngaba ndiyahlangabezana nezinye iinjongo zam zokulondoloza ixesha elifutshane kunye notyalo-mali
• Ngaba ndisendleleni yokulondoloza abantwana bam?
• Ngawaphi amanyathelo endinokuwathatha ukuze ndiqiniseke ukuba ndinenyanga engcono kwinyanga ezayo?

Icebiso:  Gcina ijenali apho uphendula le mibuzo, emva koko ujonge amangeniso akho adlulileyo qho kwiinyanga ezimbalwa.

Yeyona ndlela ilungileyo yokuhlala unomdla, ngakumbi njengoko ubona inkqubela phambili oyenzayo ekuhambeni kwexesha, kwaye ukuba uhlala uzibophelele ekuphuculeni imali yakho, uyakubona inkqubela.

Isishwankathelo…

Khumbula, olu luhambo lwakho kunye nohambo lomnye umntu, ngoko ke ukuba nesicwangciso sokuphumelela ngemali yakho kubaluleke kakhulu. Ukucwangcisa kwangaphambili ubomi obufunayo kuli-100%.

Ukuze ndihambe kunye neli nqaku ngesikhokelo esisebenzayo ngakumbi, ndifumene ikhonkco edibeneyo ekhuthazwa kakhulu ngabacebisi bezemali. Ukuba nawe ufuna ukuthenga olu qeqesho, ngoko konke okufuneka ukwenze cofa kule link.

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