Ungenza ntoni ngomvuzo wakho wokuqala?

Emva kweminyaka yokuthembela kubazali bakho ngesibonelelo sokugcina indlela ophila ngayo, ukufumana umvuzo wakho wokuqala kunokukunika imvakalelo eyolisayo yokuba ekugqibeleni ungumntu omdala. Ungayisebenzisa ngoku imali oyisebenzele nzima kuyo nantoni na oyifunayo ngaphandle kokuphendula kubazali bakho.

Ngelishwa, ukuba ngumntu omdala osebenzayo kuhlala kuthetha ukuba kufuneka ube noxanduva ngakumbi kwaye ube nesazela malunga nokuba uchitha umvuzo wakho wenyanga kuyo. Ngenxa yokuba unenkululeko entsha yokuthenga izinto ezininzi akuthethi ukuba kufuneka uchithe ngokukhululekileyo.

Phambi kokuba uqalise ukuthengisa iimpahla zexabiso eliphezulu, iimoto zodidi oluphezulu, ikofu emnandi nexabiso eliphezulu leeavokhado toast, nazi izinto ezisixhenxe ekufuneka uziqwalasele. cwangcisa ngomvuzo wakho wokuqala. Kodwa ngaphambi kokuba uqale, nasi isikhokelo seprimiyamu esikunika elona cebiso lilungileyo lokukunceda ukuba ulawule ngcono iimali zakho.

Izinto ezisi-7 zokwenza ngomvuzo wakho wokuqala

Ukwenza ukuba ukwazi ukuthatha ithuba lomvuzo wakho wokuqala kwaye ufezekise inkululeko yakho yezemali, ndidwelise izinto eziyi-07 omawuzenze ngomvuzo wakho wokuqala.

#1 Yakha ugcino lwakho olungxamisekileyo

Ngomvuzo wakho wokuqala, ungakha kuqala ugcino olungxamisekileyo. Ukusukela usemncinci, uxelelwe ukuba kubalulekile ukonga imini enemvula. Ukuba ngumntu omdala kuthetha ukwenza oku.

Udinga ugcino olungxamisekileyo onokuthi uthathe ithuba ngalo lonke ixesha ubomi buthatha isigqibo sokukujulela ibhola egophe. Isenokuba ngumba omncinci kodwa ocaphukisayo, njengokutshintsha umatshini wakho wokuhlamba. Isenokuba yinto enzulu, efana nokufuna unyango olungxamisekileyo ngesaziso esifutshane.

Ukuba unemali eyongileyo ukuze uhlangabezane neemeko ezinjalo, oko kukukongela uxinzelelo olungeyomfuneko, ukuboleka imali okanye ukungena ematyaleni ukuze uhlawule ezi ndleko zingalindelekanga.

Isixa esihle sokujolisa kuya kuba kukubeka icala ezintandathu ukuya kwiinyanga ezilithoba yeendleko zakho zenyanga. Ikwaqinisekisa ukuba unemali eyaneleyo yokulondoloza wena nosapho lwakho ukuze niqhubeke niphila le ndlela niphila ngayo ngoku, nokuba uphulukene nomsebenzi kwaye kufuneka uqale ukukhangela omnye.

#2 Cima okanye unciphise ityala lakho

Into yesibini onokuyenza ngomvuzo wakho wokuqala kukunciphisa okanye ukucima amatyala akho. Njengoko unyusa ukonga kwakho, kufuneka kwangaxeshanye ujonge ityala oliqokeleleyo kwaye kufuneka ulibuyise.

Okwangoku, imali-mboleko yomfundi lityala langoku onokuthi ulenzile ngexesha lokufunda kwakho. Intlawulo yezi mboleko ihlala iqala xa ugqibile kwaye inokuthatha iminyaka eliqela ukuyicoca.

Ayingawo onke amatyala enziwa alinganayo, amanye anzima kunamanye. Umzekelo, ityala le ikhadi letyala ithande ukukhokelela kumazinga aphezulu enzala angaphezu kwama-24 epesenti ngonyaka, angazinzanga ukuba avunyelwe kwibhola ekhephu. Qwalasela loo matyala kuqala, kuba asenokukumosha ngokwasezimalini.

Bala intlawulo yenyanga ekufuneka uyenze kuwo onke amatyala akho kwaye ubeke loo mali bucala nyanga nganye ukuze uqiniseke ukuba awusileli ekuhlawuleni kwaye ufumane inzala eyongezelelweyo. Ukuba unogcino olugqithisileyo, ungacinga ngokuyinxenye okanye ngokuyibuyisela ngokupheleleyo imali-mboleko yakho inzala ephezulu.

#3 Qonda iimfuno zakho ze-inshurensi

Into yesithathu onokuyenza ngomvuzo wakho wokuqala kukuqonda iimfuno zakho ze-inshurensi. Ukuba ne-inshurensi efanelekileyo kulutsha lwakho yenye yezona zinto zibalulekileyo zocwangciso lwezemali oluyimpumelelo. Kuya kufuneka uqalise ukucinga ngeemfuno zakho ze-inshurensi ngokukhawuleza nje ukuba uqalise ukufumana umvuzo.

Ngeli xesha ebomini bakho, eyona asethi inkulu onayo njengomntu omdala kukukwazi kwakho ukusebenza kunye nokuphucula umsebenzi wakho kwiminyaka ezayo.

Ikwangowona mngcipheko mkhulu ujongene nawo, njengoko iingxaki zempilo ezingalindelekanga okanye ingozi engathandekiyo inokukuhlutha amandla akho okusebenza kunye nokuxhasa usapho lwakho. Le yinyani enzima yobomi.

Ukukhusela kulo mngcipheko, kuya kufuneka ucinge ngokuthenga iipolisi ezifanelekileyo zezempilo kunye nezempilo ukuhlangabezana neemfuno zakho. Iimveliso ze-inshorensi eziqhelekileyo ekufuneka ziqwalaselwe kweli nqanaba ziquka isicwangciso sabucala sokuvala, i-inshorensi yesigulo esibalulekileyo, i-inshorensi yomvuzo wokukhubazeka, kunye ne-inshurensi yobomi.

#4 Qala ukutyala imali

Enye into yokwenza umvuzo wakho wokuqala lutyalo-mali. Kubalulekile ukuqala kwangoko kangangoko kunokwenzeka. Oku kungenxa yamandla enzala ehlanganisiweyo, apho abatyali-mali banokufumana inzala hayi kutyalo-mali lwabo lokuqala kuphela, kodwa nakwinzala abayifumene kwiminyaka edlulileyo.

Utyalo-mali kwangethuba lukwanika utyalo-mali lwakho ixesha elingakumbi lokuhlangabezana namahla-ndinyuka kwiimarike zezimali, ezinokuguquguquka.

Oku kubaluleke ngakumbi ukuba utyala imali kwiiklasi ze-asethi ezinobungozi ezifana nezabelo zamashishini ezingenanzala emisiweyo, apho kuxhaphake kakhulu ukubona iimarike ziguquguquka ngamaxesha athile ngenxa yezinto ezingalindelekanga zoqoqosho olukhulu.

Ukunciphisa ngakumbi umngcipheko wakho, khumbula ukuthatha a iindlela ezahlukeneyo xa utyala imali. Oku kuthetha ukwahlula iidola zakho zotyalo-mali ngokweendidi ezahlukeneyo ze-asethi ezingadityaniswanga, apho iintshukumo zamaxabiso kutyalo-mali olunye aluchaphazeli olunye, okanye lunxibelelene kakubi, apho iintshukumo zexabiso kutyalo-mali olunye ziqhele ukuya kwelinye icala, nanini na kunokwenzeka.

Kuyanceda ukuba i-asethi enye ayiqhubi kakuhle kuba kukho ezinye ii-asethi kwipotfoliyo yakho ezinokunceda ekuhlawuleni ilahleko.

#5 Thumela umqondiso wokubulela kwabo bakuncedileyo

Nje ukuba umvuzo wakho wokuqala usepokothweni yakho, unokubolisa bonke abo bakuxhasayo ngamaxesha akho anzima. Ngokuqhelekileyo, sibambeke kakhulu kwimincili yomsebenzi omtsha kunye nazo zonke ezinye izinto ezintsha eziza nazo, ukuba silibale ngabantu abathi, ngokuthe ngqo okanye ngokungathanga ngqo, basinceda ukuba sifike apho.

Abantu abakuxelele ngomsebenzi, abantu abakuthumelayo, okanye umntu nje okukhokeleyo ekukhangeleni kwakho umsebenzi.

Nangona konke okufunekayo kukuba " Nisiwe » simahla okanye inqaku lobuqu lokukhumbula aba bantu kwaye ubabulele, kubaluleke kakhulu ukuba unokubathumelela isipho sombulelo somntu siqu esinokuba ziilekese, iitshokholethi, isipho okanye isidlo sangokuhlwa nje.

#6 Tyala ubomi kunye ne-inshurensi yezempilo

Nokuba ishishini lakho libonelela ngazo zombini ezi zinto, ukutyala imali kumgaqo-nkqubo olungileyo licebo elilungileyo kuba aliyi kukukhusela kuphela kuzo naziphi na iimeko ezingxamisekileyo zonyango, kodwa kuya kukunceda ukuba wonge irhafu ekupheleni konyaka.

Ulutsha oluninzi lukhalaza ngokuhlawula iirhafu eziphezulu, kodwa luyaqonda ukuba ngelulunciphise umlinganiselo werhafu ngokucwangcisa utyalo-mali lwalo zisuka nje.

Kungcono ukuthenga ipolisi ye-inshorensi kwangethuba ukuze ujabulele ezona nzuzo zininzi. Kwakhona, ngokubanzi, ukuba umncinci, intlawulo ye-inshurensi yezempilo encinci oyihlawulayo.

#7 Izinto zakho zamaxabiso aphezulu

Uya kukhawuleza ufumanise ukuba ubudala buzaliswe zizinto zamatikiti amakhulu ekufuneka uzigcine. Ezinye zazo ziya kuxabisa ngaphezulu kwamashumi amawaka eedola kwaye zifuna ukuba uqale ukonga ngenkuthalo ngoku.

Ukuba ulindele ukuba kufuneka 30 000 $ ukulungiswa kwendlu yakho kwiminyaka emibini, kuthetha ukuba kufuneka wonge 15 000 $ ngonyaka, malunga 1 250 $ ngenyanga. Olu balo lusebenza kuphela ukuba uqala ukugcina namhlanje.

Ungaphela unezinto ezininzi zetikiti ekufuneka uzigcine, kodwa akukho londolozo lwaneleyo kwinyanga nganye. Kufuneka uqale ukubeka phambili iimfuno zakho kwaye ucinge malunga neyona nto ibalulekileyo kuwe.

Ngokomzekelo, ukuba uchitha i-$ 30 yomtshato wakho, okanye ukuba loo mali ifuna ukuya ekuhlawuleni ukulungiswa kwekhaya lakho.

Kwakhona kubalulekile ukwahlula phakathi kweemfuno kunye neemfuno. Iholide yokuphela konyaka ebiza i-$ 10 ingaphantsi kwesidingo kunentlawulo ephantsi yendlu kunye nophahla phezu kwentloko yakho.

Kuphela kusemva kohlahlo lwabiwo-mali lweendleko ezibalulekileyo apho kufuneka ucinge malunga nobunewunewu okanye nantoni na engenamsebenzi ongathanda ukuyichitha umvuzo wakho ngenyanga nganye.

Ngamafutshane…..aithemba ebomini

Emva kweminyaka engaphezu kweshumi yoqeqesho, ukuqala ubomi kwihlabathi elisebenzayo kunokuba nzima. Ukuthatha uxanduva lwakho olutsha kwaye ulungiselele ukuba ikamva likuphathele ntoni, kufuneka ukhuthale ukusukela oko uqala ukufumana umvuzo wakho wokuqala.

Oku kuquka ukwakha imali oyongayo, ukunciphisa amatyala anenzala eninzi, ukuqonda i-inshurensi notyalo-mali, nokubekela bucala imali yeendleko ezibalulekileyo ezifana nemitshato nokulungiswa kwezindlu ekuya kuthi wonke ubani adlule kuzo ebomini bakhe.

Ngokuqonda omawukwenze ukuqinisa impilo yakho yezemali, ungaphila ubomi ngokuzithemba ngakumbi kwaye wonwabele uxolo lwengqondo olukhulu? Oku kuya kukunceda ufikelele kwinkululeko yakho yezemali.

Ndishiye uluvo lwakho kwizimvo