Indlela yokuba nenkululeko yezemali?

inkululeko yezemali, cela peut sembler une belle théorie. Mais la vérité est que tout le monde peut y parvenir. Et je veux dire n’importe qui – même quelqu’un qui avait autrefois des dizaines de milliers de dettes de prêts étudiants comme la vôtre. Quels que soient les problèmes financiers que vous rencontrez aujourd’hui, il y a toujours un moyen de revenir au blanc. La première étape consiste peut-être à essayer une application de budgétisation.

Kweli nqaku, siza kuntywila ukubaluleka kwenkululeko yemali. Ndiza kukwabelana nawe ngeengcebiso zokuba nenkululeko yakho yezemali, kuquka ezimbalwa ezindisebenzeleyo.

Yintoni inkululeko yezemali?

Hayi, inkululeko yemali! Yingcamango abaninzi bethu abaphupha ngayo, akunjalo? Makhe ndikuxelele ngendlela yobuqu nefikelelekayo.

Khawube nomfanekiso-ngqondweni wakho uvuka ngenye intsasa, kwaye ingcamango yakho yokuqala ayisithi “kufuneka ndiye emsebenzini ukuze ndihlawule amatyala am.” Endaweni yoko, uyazibuza, "Yintoni endifuna ukuyenza namhlanje?" Lo ngundoqo wenkululeko yezemali. Kuthetha ukuba nezixhobo ezaneleyo zokugubungela iimfuno kunye neminqweno yakho, ngaphandle kokuxhomekeka kumsebenzi wesintu.

Ngokwezinto eziphathekayo, oku kuthetha ukuba utyalo-mali lwakho, imali oyigcinileyo okanye imithombo yomvuzo engenzi nto yenza imali eyaneleyo ukuze uxhase indlela ophila ngayo. Akusayi kubakho xinzelelo ekupheleni kwenyanga, akusekho kukhathazeka malunga nokulahlekelwa ngumsebenzi wakho. Unobunewunewu bokukhetha indlela ofuna ukuchitha ngayo ixesha lakho, nokuba kukuhamba, ukuzinikela kwizinto ozithandayo, okanye nokusebenza kwiiprojekthi ezibalulekileyo kuwe, ngaphandle kokukhathazeka malunga nenzuzo yazo yangoko.

Kodwa lumka, inkululeko yemali ayithethi ukuba izigidi zabantu zizityebi. Imalunga nokulungelelanisa ingeniso yakho ye-passive kunye neendleko zakho. Kwabanye, oku kusenokuthetha ubomi obulula ngaphandle kwemiqobo yemali. Kwabanye, kunokubandakanya ubomi obutofotofo, kodwa uxhaswa ngemali ngokuzinzileyo.

Ukufumana le nkululeko ngokuqhelekileyo kufuna ixesha, ukucwangcisa nokuziphatha. Kufana nokucwangcisa uhambo olude: kufuneka uchaze indawo oya kuyo, ucwangcise indlela yakho, kwaye ngamanye amaxesha wenze imibingelelo endleleni. Kodwa khawuthelekelele ulwaneliseko lokufika kwindawo oya kuyo!

Ekugqibeleni, inkululeko yezemali, ngamandla okuthi "ewe" kumathuba azibonisayo kuwe, ngaphandle kokuba imali ibe ngumqobo. Lithuba lokuphila ubomi obukhethayo, kunobo obulawulwa yimfanelo yakho yezemali. Ngaba asilosukelo olufanele ukusukelwa olo?

Nazi iingcebiso ezili-10 zokukunceda ufezekise inkululeko yakho yezemali

1. Qonda apho umi khona

Awunako ukufikelela kwinkululeko yezemali ngaphandle kokwazi indawo oqala kuyo. Ukujonga ukuba mangakanani na amatyala onawo, yimalini na imali ongenayo, kunye nokuba yimalini oyidingayo inokuba yinyani edandathekisayo. Kodwa linyathelo elibalulekileyo eliya kwicala elifanelekileyo.

Inqaku eliza kufundwa: Indlela yokunciphisa uxinzelelo lwakho lwezezimali

Yenza uluhlu lwawo onke amatyala akho: imali-mboleko, imali mboleko yabafundi, mboleko yemoto, ikhadi letyala kunye nalo naliphi na elinye ityala onokuthi uliqokelele. Ungalibali ukuquka imali oyiboleke kubahlobo okanye kumalungu entsapho kule minyaka idlulileyo. Ngoku phefumlela phezulu. Kwaye enye. Emva koko dibanisa onke amanani.

Lingakanani ityala onalo?

Ukuba linani elikhulu, musa ukuphaphazela, ndiyathembisa ukuba ndiza kwabelana ngeendlela zokuhlawula oko kamva kweli nqaku. Ukuba linani elincinci, halala! Zive ukhululekile ukwabelana ngeengcebiso zakho zenkululeko yezemali kwizimvo ezingezantsi.

Okulandelayo, jonga yonke imali oyigcinileyo. Qokelela uludwe lwalo lonke ugcino lwakho: ii-akhawunti zokonga, izitokhwe, iinkqubo zokuthelekisa isitokhwe senkampani, iinkqubo zokuthelekisa umhlalaphantsi wenkampani, kunye nezicwangciso zomhlalaphantsi. Okulandelayo, yongeza iintlawulo zenyanga ozifumana rhoqo, ezinjengomvuzo, imali eyongezelelweyo, njl. Gcina la manani engqondweni njengoko sisebenza ngezi ngcebiso zilandelayo zenkululeko yezemali.

2 Yijonge kakuhle imali.

Ityala ngokuqinisekileyo linokuba nzima kancinci. Kodwa khumbula ukuba imali yinto entle, nokuba ibonakala inomthwalo onzima ngoku. Ufanele ukufumana inkululeko yezemali.

ngokuvumelana Uyi-Badass ekwenzeni imali nguJen Sincero , abantu abangenzi mali ininzi badla ngokuziva beneentloni xa kufikelelwa kumbandela wokwenza imali. Ke ngoko owona mqobo mkhulu abantu abaninzi abanayo xa kufikwa ekwenzeni imali kukuba bazive ngathi imali imbi.

Abaninzi baziva benetyala ngenxa yokuba nayo yaye benetyala ngakumbi ngokuyifuna. Sisebenzisa imali yonke imihla ukuphucula ubomi bethu, kodwa sihlala sibonakala sigxile kwimiba yayo emibi. Imali yinto nje efunekayo njengokutya okanye amanzi. Ikunceda ukuba uthenge into oyifunayo kwaye uphile ubomi obufunayo.

Ukuze ube nenkululeko yezemali, kuya kufuneka uyijonge imali njengesixhobo esiya kukunceda ufezekise amaphupha akho, uphembelele amandla akho, kwaye uphile ubomi obungenastres onokubunandipha. Kuba ukuba ujonga imali ngendlela engalunganga, ungaqondanga uyawonakalisa amathuba akho okufumana nokuyigcina.

3. Bhala phantsi usukelo lwakho

Kutheni ufuna imali?

Ngaba uyafuna ukulisusa ngokupheleleyo ityala lakho? Ngaba unqwenela ukubaleka sila u9 ukuya ku5 ? Ingaba ikhona indawo obusoloko ufuna ukuya kuyo? Ngaba kufuneka ulondolozele umtshato, abantwana okanye umhlala-phantsi? Ndifumene inkululeko yezemali kuba ndiyibophelele kwinjongo yeemvakalelo. Injongo yam yayikukuphuma ematyaleni omfundi ndigcinele ikhaya lam lokuqala. Kwaye ngokunyanisekileyo, yayingamava amnandi ukubona amatyala ehla kwaye ukonga kwam kunyuka.

Ndandivuya kakhulu ukubona amanani etshintsha kangangokuba ndasebenza nzima ukuze ndifumane imali eninzi kwaye ndibone utshintsho olukhulu kwimali yam. Ngaba ngendiyifezekisile injongo yam yenkululeko yezemali ukuba bendingazange ndibophe injongo kwinto ethile engokweemvakalelo? Mhlawumbi akunjalo. Ndandifuna ngamandla ukulikhupha ityala lam ndize ndiphume kwindlu yabazali bam. Oku kuphelelwa lithemba kwandigcina ndikhuthazekile kulo lonke uhambo lwam.

Kwenzeka enye into ebangel’ umdla. NgoFebruwari 2018, ndabhala ephepheni ezinye zeenjongo zam:

• Fumana i-100000 $ ngokuthengisa iimveliso kwi-intanethi
• Gcina 20000 $ kwidiphozithi
• Imbuyekezo 24000 $ imali-mboleko yabafundi

Ndigqibele ngokuphosa eliphepha ndalibala kwaphela ngalo. Kwathi ngenye imini, kwisithuba esingaphezu konyaka kamva, xa ndandisele ndihlala kwindlu yam entsha, ndayifumana kwincwadi yam yokubhalela. Ngokuqinisekileyo, ndandizifezile ezi zinto zintathu. Into ehlekisayo kukuba, andizange ndicinge ngezo njongo.

Usenokungaphumeleli yonke into oyifunayo ngenyanga. Kodwa unyaka lixesha elide lokwenza inkqubela kwiinjongo zakho. Qinisekisa ukuba injongo yakho ibotshelelwe kwinani elithile ofuna ukulifumana. Yikholwe okanye hayi, uya kuqalisa ukusebenzela ezo njongo ungakhange uyiqonde. Ngokwazi ngokuthe ngqo into ofuna ukuyifeza, ukufikelela kwinkululeko yezemali kulula kangangesigidi.

4. Landela umkhondo weendleko zakho

Inyathelo elibalulekileyo elibhekiselele kwinkululeko yezemali kukulandelela indlela oyisebenzisa ngayo imali. Ungasebenzisa isixhobo esinje ngeMint, esiya kukwazisa ukuba yimalini na oyichithayo. Kweziphi iindidi ochithe ngaphezulu kuzo, yimalini ekhoyo kuzo zonke iiakhawunti zakho, kwaye ungakanani na amatyala onawo.

Enye into ecocekileyo ngeMint kukuba ikuvumela ukuba usete iinjongo kwideshibhodi. Unako ukugcina umkhondo weenjongo zakho kwaye uyazi eyona nyanga apho uya kulindeleka ukuba ufezekise injongo ngokusekelwe kwimali oyityalile. Ngoko uzigcina uphendula kwaye ukhumbule ukugcina imali yakho.

Emva kokusebenzisa iMint inyanga, ndikwazile ukonga imali eyongezelelweyo yenjongo yam entsha yomtshato. I-Mint yandinceda ukuba ndihlale ndigxile kwinjongo yam kwaye yandityhala ukuba ndenze ingeniso engaphaya yokufikelela kwinqanaba lam lemali.

5. Zihlawule kuqala

Mhlawumbi uvile ibinzana elithi "zihlawule kuqala." Kodwa ukuba awuzange uhlawule, "zihlawule kuqala" kuthetha ukubeka imali ethile kwi-akhawunti yakho yokulondoloza ngaphambi kokuba uhlawule nantoni na enye, njengamatyala. Kwaye ukuzihlawula kuqala kuncede abantu abaninzi ukuba basondele kwinkululeko yezemali.

Pourquoi?

Kuba ukuba ufuna ukuhlawula ngokwakho kuqala 1 000 $ ngexesha lomvuzo, okuseleyo kukuhlawula amatyala. Kwaye ukuba awunayo ngokwaneleyo ukuhlawula loo matyala, unyanzelekile ukuba uqokelele umvuzo wesibini ukuze uhlawule iindleko.

Inqaku eliza kufundwa: Iitshekhi zebhanki zomahluko, iitshekhi zobuqu kunye neetshekhi eziqinisekisiweyo

Ukuzihlawula kuqala kuqinisekisa ukuba uhlala ubeka imali ecaleni ukuze utyale kuwe. Ngokwenza okuchaseneyo, ufumana kuphela okushiyekileyo, okuhlala kungabi nkulu ngokwaneleyo ukukunceda wonwabele inkululeko yezemali. Unokuzihlawula ngokwakho kuqala ngezinye iindlela. Ngokomzekelo, Ukuba inkampani yakho inenkqubo yokonga umhlalaphantsi, ungacela ukutsala imali yomhlalaphantsi wakho. Ngale ndlela utyala imali kuwe nakwikamva lakho kuqala. Imali itsalwa kwi-paycheck yakho, ngoko ke okuseleyo yimali onokuthi uyibekele amatyala kunye neendleko.

6. Chitha kancinci

Kwi 1958, Warren Buffett uthenge indlu enamagumbi amahlanu nge $31 kwaye akakashukumi ukususela ngoko. Ixabiso lakhe eliseleyo? I-500 yeebhiliyoni zeerandi engakholelekiyo. Uyakwazi ukuthenga indlu enkulu kunye nexabiso eliphezulu. Kodwa ukonga kwakhe kunokuba sisizathu sokuba abe ngomnye wabona bantu bazizityebi emhlabeni.

U-Kanye West, kwelinye icala, akoyiki ukuqhayisa ngemali yakhe. Uhlala kwi-20 yezigidi zeedola. Kwaye ngelinye ixesha, nge $53 yezigidi ematyaleni, wagqiba ekubeni abuze uMark Zuckerberg nge-$ 1 yezigidigidi ... kwi-Twitter. Umahluko phakathi kwamanene amabini aphumeleleyo? UBuffet akachithanga ngaphezu kwemfuneko, kwaye iWest ichitha imali angenayo. Inyaniso yeyokuba izityebi ezininzi azibukeki njengezityebi. UZuckerberg unxiba isikipa esikruqulayo kunye nejean yonke imihla. Ukuthenga izinto ezimbalwa kunokukunceda ube sisityebi.

Ngokuchitha imali encinci, zimbini izinto ezisebenzela wena. Okokuqala, uya kuba nemali eninzi yokubekela bucala inkululeko yakho yezemali. Okwesibini, uya kufunda ukuba ngenene ufuna izinto ezincinci kakhulu ukuze uphile, nto leyo ekuncedayo ukuba ubeke imali eninzi ecaleni. Kwaye oko kuya kwinqaku lethu elilandelayo ...

7. Thenga amava, hayi izinto

Ubomi bufutshane. Ayikokuqokelela yonke imali yakho ngaphambi kokuba ube neminyaka engama-65. Uvumelekile ukuba unandiphe ubomi ngoxa usaphila. Ekugqibeleni, izinto eziya kukunceda uphile ubomi obuzalisekileyo ziya kuba ngamava onawo, hayi iimveliso onazo.

Yaye ngaba izinto ozithengayo zikwenza wonwabe ngakumbi ekuhambeni kwexesha? Ngaba ityala onalo ekuthengeni inkitha yezinto lenza ubomi bakho bube lula? Ngoku masijike iswitshi. Yintoni eyona nto uyikhumbulayo? Ubusenza ntoni ? Ubunabani ? Masidale iinkumbulo ezininzi ezinje. Mhlawumbi unomhlobo othanda ukusebenza naye. Mmeme ukuba azilolonge kuluhlu lokudlala lweYouTube ekhaya simahla.

Kubusuku bomhla. Ufuna ukuyenza ingalibaleki. Fumana umsebenzi opholileyo ongazange uwenze ngaphambili. Ubusoloko uphupha ngokuya eRoma. Ubugcina imali unyaka ukuze uphile iholide yamaphupha akho. Yiya eholideyini ngaphandle kokuziva unetyala. Azange ungene ematyaleni ngale nto, uye wayifumana. Okanye unokuba yi-digital nomad kwaye uhambe kwihlabathi ngelixa usebenza phesheya.

Ubomi benziwe ngamaxesha. Ezona zilungileyo zivela kwixesha elisemgangathweni elichithwe nabahlobo kunye nosapho. Ngelixa ezinye iimveliso zinokukunceda ukuba uqhagamshelane nosapho lwakho (njengobusuku bomdlalo wevidiyo wosapho lweveki nganye), uninzi lwazo alongezi xabiso lininzi. Musa ukuchitha imali, akufuneki wenze ngathi unemali.

8. Ukuhlawula ityala

Abanye abantu baya kukuxelela ukuba kububulumko ukutyala imali yakho ezitokhweni kunokuhlawula ityala lakho. Ukuba uyingcaphephe yokuchola isitokhwe, oko kunokuba yinyani. Kodwa ukuba awuzange utyale imali kwii-stocks ngaphambili, unokuphela ngamatyala amaninzi.

Abantu abaninzi baziva ngendlela efanayo emva kokugqiba ityala labo lokugqibela: bakhululiwe. Ukuba unayo 50 000 $ ityala, nokuba unayo 30 000 $ imali ebhankini, awukwazi ukuzibiza simahla ngokwasezimalini. Usenayo 20 000 $ emngxunyeni.

Ngelixa ukuhlawula omnye umntu akuyonto intle njengokuba nemali ebhankini, kukusondeza kwinkululeko yezemali. Zimbini iindlela eziphambili zokuhlawula amatyala: i-snowball kunye ne-avalanche. I-Snowball kuxa uhlawula elona tyala lincinci kuqala. I-avalanche kuxa uhlawula ityala unalo izinga lenzala Elona liphezulu.

Kufuneka wenze isigqibo ngokona kukulungeleyo. Kodwa xa ndandizama ukukhulula amatyala, oko kwaba nemiphumo ebuhlungu. Kwandinceda ukuba ndihlale ndikhuthazekile. Ekubeni ndakwazi ukulahla ityala lam lokuqala, ikhadi letyala letyala 1 200 $, kwinyanga nje enye, imvakalelo yokufezekiswa yandikhuthaza ukuba ndilwe nemali-mboleko yomfundi enkudlwana kwaye ezingisayo. Ukuhlawula ityala elikhulu kuthatha ubunzima obukhulu emagxeni akho. Emva kokuba uhlawule ityala lakho, ubona isixa semali onayo ebhankini sikhula.

9. Yenza imithombo eyongezelelweyo yengeniso

Kulungile, ngeli xesha ucinga ukuba, "Ityala lam likhulu kunomvuzo wam, ndingahlawula njani ukuba andifumani ngokwaneleyo?" Ukuba uzimisele ngenkululeko yezemali, kufuneka uncame ukubila neenyembezi.

Ukuba kunjalo, kufuneka unyuse kwaye ukhangele imali ngaphandle komsebenzi wakho wangoku. Mna umzekelo, ndingumfundisi-umphandi kwaye akukho nto inqanda ukuba ndibe blogger kunye nomcebisi wezoshishino. Konke kumalunga nombutho.

Ezinye iingcali zicebisa ukuba ube nemithombo emalunga nesixhenxe yengeniso. Ukuba unomsebenzi, siyakuvuyisana nawe, unomnye, mithandathu kuphela omele uyenze! Ngoku unokujonga imithombo yakho yengeniso ngeendlela ezimbini: ingeniso esebenzayo (ixesha lokutshintshiselana ngemali) okanye imali engenayo (imali enokuthi iqhubeke ingena, nangona ulala).

Imithombo yengeniso esebenzayo

Ukuba uthengisa ixesha lakho ngemali, ulinganiselwe ngeeyure zosuku. Nantsi eminye imisebenzi onokuyenza ukuze ufumane umvuzo osebenzayo:

• Yiba ngumbhali ozimeleyo ngokufumana imisebenzi kwiProBlogger, Upwork, Fiverr, kunye nokunye.
• Nceda umnini weshishini njengomncedisi wenyani ngemisebenzi kwi-Upwork
• Funda izakhono ezitsha ngezifundo ze-intanethi zoosomashishini
• Yiba ngumqhubi we-Uber
• Uncedo ngemisebenzi yasekhaya kwi-Task Rabbit
• Thatha umsebenzi ongaqhelekanga, oqhelekileyo kwiCraigslist
• Kunye nokuninzi!

Imithombo yengeniso yokwenziwa

Ukuba awunalo ixesha elininzi lokunikela ekufumaneni umvuzo, unokugxila ekwandiseni ingeniso yakho ngengeniso engenzi nto efana nale:

• Qala ivenkile ye-intanethi. Jonga eli nqaku ukuze ufumane indlela yokuqalisa ngempumelelo ishishini le-intanethi
• Qala Ishishini lakho Lempahla yesiNtu kwiShopify
• Thengisa umxholo onengeniso (iblogi, ii-ebooks, iikhosi, iiwebinars, ii-audiobooks, i-podcast, usetyenziso)
• Yiba ngumthengisi odibeneyo. Qhagamshelana noqeqesho lwethu olupheleleyo ukuze ufunde ngakumbi funda ngakumbi malunga nentengiso yobulungu.
• Thenga iipropati kwaye uzirente ngaphandle
• Tyala imali kwizitokhwe

Ngethamsanqa, imijelo yakho esixhenxe yengeniso inokuvela kumthombo omnye. Umzekelo, ukuba uyingcali ye-e-commerce, imithombo yakho yengeniso inokuvela ekwakhiweni kweevenkile ezisixhenxe ezahlukeneyo. Khumbula: akunyanzelekanga ukuba uqale ngemijelo esixhenxe, unokwakha phezu kwayo ngokuhamba kwexesha. Nali inqaku eliphambili elikuchaza inyathelo ngenyathelo indlela yokuphila ngokupheleleyo kwiblogi yakho.

10. Tyala imali kwikamva lakho

Inxalenye yokugqibela yengcebiso yenkululeko yezemali kukutyala imali kwixesha elizayo. Masithi ulandela iingcebiso kunye neengcebiso kweli nqaku, phuma ematyaleni kwaye wandise ukonga kwakho. Oko kunokwanela ukukunceda ngoku. Kodwa kuthekani ukuba kwenzeka into engalindelekanga? Ngaba uza kuyilungiselela le nto?

Kubalulekile ke ngoko ukuba wonge, ubeke imali ecaleni ngeentsuku zemvula. Ukuba unokusweleka, usapho lwakho aluyi kurhaxwa lukuhlawula umngcwabo wakho, amatyala kunye neerhafu. Kulungile, ngoku ndibuyele kulaa ndawo imnandi.

Inqaku eliza kufundwa: Yonke into ofuna ukuyazi malunga netshekhi yebhanki

Ukuba unalo msebenzi ka-9-17, thetha nenkampani yakho malunga nokongeza isicwangciso somhlalaphantsi okanye ubone ukuba sele utsalelwe loo nto. Uxhuzulo luthathwa ngaphambi kokuba lufike kwiakhawunti yakho, ukuze ungaze uzive ngathi ulahlekelwa yimali. Kwaye kuhle ukuyijonga ngamaxesha athile kwaye ubone ukonga kwakho kuyakhula. Ngokubekela bucala imali ngeentsuku ezinethayo kunye nomhlalaphantsi, awuzukwazi ukubuyela kwindawo okuyo ngoku: unqwenela inkululeko yezemali.

Isishwankathelo…

inkululeko yezemali inokukunceda ukuba ulawule imali yakho kwaye, okona kubaluleke kakhulu, ubomi bakho. Kumalunga nokuphila ngokwamandla akho, ukuba nemali encinci, kunye nokuqinisekisa ukuba imali ichithwa kwizinto ozifuna ngokwenene njengokutya, indawo yokuhlala, kunye neeholide (ukuphumla kubalulekile, uyazi).

Ukulandela ingcebiso kainkululeko yezemali Kweli nqaku, uya kusondela kwinkululeko yemali oyifaneleyo. Ke jonga kwiimali zakho, wenze ingeniso eyongezelelweyo, uhlawule amatyala akho. Ngaphambi kokuba uyazi, uya kukhululeka. Kuzo zonke iinkxalabo zakho, ndishiye uluvo. Ndiyabulela ngako konke ukundithemba kwakho.