Ngabe ezezimali zomuntu siqu zibhekisa kuphi?

Ingabe usukulungele master izimali zakho futhi ulungiselele ikusasa lakho ? Isinyathelo sokuqala siwukuqonda ezezimali zomuntu siqu. Ukuphatha imali yakho kuyadingeka ukuze uphile impilo yokuzikhethela futhi evikelekile, kungakhathaliseki ukuthi uhlela isikhwama sakho somhlalaphansi noma ulondolozela imoto.

Izimali zomuntu siqu zimayelana nokuhlola iholo lakho, izidingo zezimali, kanye nokwaba imali yakho njalo ngezindleko ezidingekayo. Inhloso eyinhloko ukuze ube nesithombe esicacile sezindleko zakho ukubeka eceleni imali yokulondoloza nokutshala.

Ukuqonda ezezimali zomuntu siqu kungakusiza ukuthi ulawule kangcono izimali zakho futhi ulungiselele impumelelo yakho yezezimali yesikhathi esizayo.

Eqinisweni, imali yomuntu siqu imayelana nendlela thina, njengabantu noma imindeni hhayi njengamabhizinisi noma izinhlangano, asiphathe imali yethu, songe futhi sitshale.

Ukuvakashela isitolo sethu, unethuba lokuthenga ukuqeqeshwa kwethu kwe-premium ukuze uphathe kangcono izimali zakho zomuntu siqu.

🌿 Iyini imali yomuntu siqu?

ezezimali zomuntu siqu mayelana nokuphatha imali yakho ukufeza izinhloso zakho zezezimali. Ngokuvamile zihlobene nesikhathi eside.

Izimali zomuntu siqu zichaza zonke izinqumo zezezimali nemisebenzi yomuntu ngamunye noma yomndeni, okuhlanganisa isabelomali, umshwalense, ukuhlelwa kwezindlu, ukonga, nokuhlelela umhlalaphansi.

I-athikili okufanele ifundwe: Wazi konke mayelana nezezimali?

Ingxenye yokuphatha izimali zakho siqu ukuhlela isabelomali - ukwakha uhlelo oluhlelekile oluchaza imali engenayo nezindleko. Umqondo oyisisekelo uwukuzibeka esimweni lapho ungachithi khona imali engaphezu kwaleyo oyiholayo.

Ukusetha ibhajethi kuhilela ukulandelela iholo lakho nokuthi ingakanani imali oyitholayo oyilondolozayo futhi oyisebenzisayo.

Ngokuyisisekelo, isabelomali sabela amanani emali oyidingayo ukuze usekele izindleko zakho zokuphila, izinto ozifunayo, kanye nanoma yiziphi ezinye izindleko. ubukhali » izimo eziphuthumayo, kanye nokubeka imali eceleni ukuze utshale.

I-athikili okufanele ifundwe: Indlela yokuba nenkululeko yezezimali?

Ukwenza ibhajethi kubaluleke kakhulu ekukhululekeni kwezezimali nokuvikeleka. Ukwenza ibhajethi kukusiza ukuthi ugxile ezinhlosweni zakho zezezimali zesikhathi eside futhi ulandelele ukonga kwakho nokusebenzisa imali.

Ingase futhi ikubonise lapho udinga khona ukulawula okwengeziwe emikhubeni yakho yokusebenzisa imali, njengokuthenga ngokungacabangi – izinto obungahlelile ukuzithenga kodwa wanquma ukuzithenga ngokuthanda kwakho.

Ukuba nesabelomali endaweni kukuvumela ukuthi wenze izinqumo ezingcono futhi, ngakho-ke, ukhathazeke kancane mayelana nokusebenzisa ngokweqile kanye nezikweletu. Qaphela ukuthi isabelomali somndeni siwusizo kungakhathaliseki impilo yakho noma isimo sasekhaya.

I-athikhili okufanele ifundwe: I-Cryptography: Uhlamvu Lwemali Eqhathaniswa Nophawu 

Kumuntu ohola imali encane kuyasiza ukuziphilisa nyanga zonke. Kuhle futhi kumuntu ohola kakhulu.

Khumbula: akukona ukwazi uhola malini, Okuningi ukuthi wonga futhi utshale malini ibalulekile endleleni eya enkululekweni yezezimali.

🌿 Ezezimali zomuntu siqu - izindawo ezinhlanu ezibalulekile

Ukukusiza ukuthi uqonde ngokugcwele le zimali, sibheka izindawo ezinhlanu eziyinhloko zezimali zomuntu siqu.

🔰 Imali engenayo

Iholo lethu yimali esiyitholayo bese siyisebenzisela ukuthenga izinto, ukusekela esibathandayo, ukukhokha izikweletu, ukonga nokutshala imali.

Amaholo, amaholo ngehora, amakhomishini, izimpesheni, izipho, izabelo, izinkokhelo zikahulumeni namabhonasi kuyizibonelo zeholo elithile eliphathekayo.

Imali engenayo isho imali - ukheshi noma imali eseduze - engena ngomsebenzi owenziwe, inzalo noma inzuzo evela emalini etshaliwe, noma ukuqasha endaweni eqashiwe noma umhlaba. Uma ebuya emsebenzini, ibizwa ngeholo.

🔰 Ukuchitha

Izindleko ziphambene nemali engenayo. Ukuphuma kwemali. Izibonelo zihlanganisa ukukhokha izikweletu, ukuqasha, I-mortgage, ukukhokhela isiphuzo nabangani, ukuthenga, ukuthenga izipho nokunikela ezinhlanganweni ezisiza umphakathi.

Izinkokhelo zethu nge ikhadi lesikweletu nezintela nazo ziyizindleko.

I-athikili okufanele ifundwe: Izimfihlo Ezingenaphutha Zokukhokhela Izikweletu Zakho Ngokushesha

Kuphakathi kokuthi sisebenzisa eyethu imali noma ngemali esiyibolekayo, okungukuthi isikweletu. Izindleko ziyingxenye enkulu yeholo labantu abaningi.

Uma usebenzisa imali engaphezu kwaleyo oyiholayo, ungase uzithole usebunzimeni bezezimali. Lesi simo sikwenza ulahlekelwe inkululeko yakho yezezimali.

Ungakubukeli phansi ukubaluleka kokuphathwa kwezindleko. Kubaluleke kakhulu, futhi mhlawumbe nangaphezulu, kunokungenisa imali.

🔰 Ukonga

Uma iholo lakho lilikhulu kunezindleko zakho, lokho kuyinto enhle, unemali eningi. Yimali ongayilondoloza. Osomnotho kwesinye isikhathi babiza ukonga njengokuhlehliswa ukusetshenziswa. Ziningi izindlela zokonga imali.

Uma ungawathandi noma ungawathembi amabhange nezinye izikhungo zezimali, ungakwazi ukutshala imali yakho. Kunesisho sakudala salokho: ogcina imali yakhe ngaphansi komatilasi.

I-athikili okufanele ifundwe: Unganciphisa kanjani ukucindezeleka kwakho kwezezimali

Abantu abaningi bane-a i-akhawunti yasebhange yokulondoloza, ebizwa ngokuthi i-akhawunti yediphozi kwezinye izingxenye zomhlaba. Ungakwazi futhi ukukhokha ku-akhawunti yomhlalaphansi.

Uma abantu abaningi belondoloza kakhulu, umnotho wezwe ungaphazamiseka. Umnotho waseJapan uhlaselwe ukukhula okubuthakathaka kakhulu cishe iminyaka engamashumi amabili ngoba abathengi bebengasebenzisi imali eyanele - bebelondoloza kakhulu. Uma abantu bengachithi mali, amabhizinisi ayahlupheka.

🔰 ukutshala

Uma ungajabule ngembuyiselo oyithola ku-akhawunti yakho yokonga, kufanele ucabangele ukutshala imali. Ungathenga izimpahla ezifana namasheya futhi ube nethemba lembuyiselo engcono ekugcineni.

Ukutshala imali kuyindawo eyinkimbinkimbi kakhulu yezimali zomuntu siqu futhi enye yezindawo lapho abantu bethola khona izeluleko ezichwepheshile.

Umkhakha otshala kuwo uncike ekwenqabeni kwakho ubungozi noma ukufuna kwakho ubungozi. umtshali-zimali ophikisana nengozi akathandi ukuthatha izingozi ezinkulu. Umtshali-zimali ofuna ubungozi ufuna imbuyiselo ephezulu, noma ngabe kusho ingozi enkulu.

Ngaphandle kwamasheya, ungase futhi ucabangele ukutshala izimali ku-real estate, mutual funds, noma amabhondi. Uma unemali eyanele, ungakwazi ukutshala ngisho ibhizinisi lokuqala umuntu uma uthanda umbono wabo.

🔰 Ukuvikelwa

Ukuvikelwa kwezimali zomuntu siqu kuhlanganisa ukuvikela ezenzakalweni ezingezinhle noma ezingalindelekile. Kuwukuvikela futhi izithakazelo zezezimali zabathandekayo bakho.

Izibonelo zifaka umshwalense wekhaya, umshwalense wezimoto, umshwalense wemali engenayo, kanye nomshwalense wokuqukethwe kwekhaya. Bazokuvikela uma kwenzeka noma yini ekhaya lakho, emsebenzini wakho, ifenisha yakho, njll., noma imoto yakho.

Uma uhlala ezweni elingenakho ukunakekelwa kwezempilo kwamahhala, cabanga ngokuthola umshwalense wezempilo.

🌿 Ezezimali zomuntu siqu - okufanele ukwenze

Kubantu abaningi, ukuzama ukuvikela ukuphila kwabo ngokwezimali kungase kubonakale kunzima noma kunzima. Lona odinga izinga lobuchwepheshe abangenabo.

Ungalahli ithemba, awuwedwa. Ukuze uqale, beka imigomo elula. Zama ukukhomba ukuthi ukuphi manje nalapho ulindele noma ungathanda ukuba khona eminyakeni emihlanu noma eyishumi.

Bala ukuthi unayo yini imali enqwabelene yanyanga zonke noma okushodayo. Ngamanye amazwi, ingabe iholo lakho lanyanga zonke lingaphezulu noma lingaphansi kwezindleko zakho. Uma usukwenzile lokhu, usukwenzile udale uhlelo kanye nesabelomali.

Ingabe uyafuna ukuphinda ulawule izimali zakho? Azikho izinkathazo, ngithole isixhumanisi sobulungu esikuvumela ukuthi wenze kanjalo Buyisa ukulawula izimali zakho emavikini angu-6, Ngincoma ukuthi uyithenge.

Ngezinyathelo zakho ezilandelayo, unezinketho ezimbili:

🔰 Yenza ucwaningo

Chitha cishe inyanga ufunda okuningi ngangokunokwenzeka ngezimali zomuntu siqu. Kunezinkulungwane zezindatshana ezithokozisayo neziwusizo namavidiyo ku-inthanethi.

Bese ubona ukuthi usesimweni esingcono yini sokuqala ukudala impilo evikelekile ngokwezimali.

🔰 Thola usizo

Thola usizo lochwepheshe. Baningi abeluleki bezezimali abangakusiza ukuthi uqale. Qiniseka ukuthi lowo wena ukukhetha kufanelekile. Ungabuza ibhange lakho uma likunikeza isevisi yezeluleko zezezimali.

Nokho, umuntu wabo cishe ungumeluleki oxhumene; bazokunikeza iseluleko kuphela ngemikhiqizo yebhange labo. Abeluleki bezezimali abazimele banokufinyelela uhla olubanzi kakhulu lwemikhiqizo yezezimali.

Uma okwamanje udinga usizo lokuphatha kangcono izimali zakho, ungangabazi ukusithinta.

🌿 Imigomo Ebalulekile Yezezimali Zomuntu Siqu

🔰 Ukwenza ibhajethi

Ukwenza ibhajethi kuyingxenye ebalulekile yokuphatha izimali zakho. Isabelomali siyakusiza landelela indlela osebenzisa ngayo imali futhi uhlele ukuthi uzoyisebenzisa kanjani iholo lakho inyanga ngayinye.

Qala ngokubala isamba semali engenayo yanyanga zonke, bese sebenzisa uhlelo lokusebenza ukulandelela zonke izindleko zakho inyanga ngayinye. Lokhu kuzokusiza ubone ukuthi imali yakho iya kuphi, lapho ongonga khona, nalapho ungasebenzisa khona imali eyengeziwe inyanga ngayinye.

🔰 Isiqinisekiso

Ukuthenga umshwalense kungenye ingxenye ebalulekile yokuphatha izimali zakho. Ngokuthatha umshwalense, uyazivikela ezingozini futhi uqinisekisa ukuvikeleka kwesimo sakho sezinto ezibonakalayo.

🔰 Iyalondoloza 

Noma ngabe useminyakeni yama-XNUMXs futhi uqala ukufunda ngezimali zomuntu siqu, noma uneminyaka engu-XNUMX futhi ufuna ukuphatha kangcono izimali zakho, into eyodwa ngokuqinisekile, kufanele ulondolozele ikusasa.

Kubalulekile ukusungula isikhwama sokulondoloza izimo eziphuthumayo ukukhokhela noma yiziphi izinkinga zezezimali kanye nohlelo lokonga lomhlalaphansi oluzokusiza esikhathini esizayo.

Uma unezinkinga zokuphatha izimali zakho siqu, yazi ukuthi sinokuqeqeshelwa i-premium okukuvumela ukuthi wonge kangcono, wehlise izindleko zakho, wenze ukutshalwa kwezimali okuhle noma wazi nokuthi ungazilungiselela kanjani umhlalaphansi wakho ngisho noma uneholo elincane. Ungathenga ukuqeqeshwa kwethu ku-Master ngezimali zakho zomuntu siqu uMqulu 1.

Uma udinga izinsiza zethu, ungangabazi ukusithinta.

ngiyabonga ukwethenjwa