Indlela yokwenza ukuhlela okuhle kwezezimali?

Uhlelo lwezezimali luwumhlahlandlela wemali yakho futhi lukusiza ukufeza izinhloso zakho. Ukuhlelwa kwezimali kungenziwa yedwa noma nochwepheshe.

Uhlelo lwezezimali luyisithombe esiphelele sezimali zakho zamanje, imigomo yakho yezezimali, kanye nawo wonke amasu owamisile ukufeza leyo migomo. Ukuhlela kahle kwezezimali kufanele kufake imininingwane ye imali yakho, ukonga kwakho, izikweletu zakho, izimali ozitshalile, umshwalense wakho kanye nanoma iyiphi enye ingxenye yempilo yakho yezezimali.

Akekho onendaba nempilo yakho yezezimali ngaphezu kwakho. Ngakho-ke kubalulekile ukuba ne uhlelo lwezezimali ngokwakho. Ukuba nohlelo oluqinile lwezezimali kuzokuvumela ukuthi wonge imali, ukwazi ukukhokhela lokho okufunayo ngempela, futhi ufinyelele imigomo yesikhathi eside njengokulondolozela ikolishi kanye nomhlalaphansi.

Ngokubona kwami, ukuhlelwa kwezimali kubalulekile, ikakhulukazi kwabesifazane ngenxa yegebe lamaholo obulili. Iphinde ikusize ufinyelele eyakho inkululeko yezezimali.

Kulesi sihloko, ngizokuhambisa kukho konke okudingeka ukwazi ukuze uhlelele ikusasa lakho lezezimali. Qhubeka ufunda, bese ulungele ukuthatha izinyathelo zokuqala uhlelo lwakho lwezezimali.

Kuyini Ukuhlela Kwezezimali?

Ukuhlelwa kwezimali kuwuhlelo oluqhubekayo lokho yehlisa ingcindezi ngemali, izohlangabezana nezidingo zakho zamanje futhi ikusize wakhe iqanda lesidleke lemigomo yakho yesikhathi eside, njengokuthatha umhlalaphansi. Ibalulekile ngoba ikuvumela ukuthi uthole okuningi ezimpahleni zakho futhi isiza ukuqinisekisa ukuthi ufinyelela imigomo yakho yesikhathi esizayo.

Elle akusiyo eyabacebile kuphela : Ukudala umgwaqo wekusasa lakho lezezimali kungokwawo wonke umuntu. Ungenza uhlelo lwezezimali ngokwakho noma uthole usizo kuchwepheshe bokuhlela imali. Ngenxa yamasevisi aku-inthanethi afana nalawa abacebisi be-robo, ukuthola usizo ngohlelo lwezezimali kuyathengeka futhi kuyafinyeleleka kunangaphambili.

Okufanele ukwenze kuqala 

Ake siqale ngokwakha uhlu lwezinto ozozidinga ukuze uye ekuvikelekeni kwezezimali. Lezi zinto ezingezansi zibalulekile ohlelweni lwakho lwezezimali:

• Isabelomali sanyanga zonke sokukusiza ukuthi ugcine izindleko zakho zingaphansi komholo wakho
• Uhlelo lokukhokha izikweletu nezindleko zakho (usebenzisa ibhajethi yakho)
• Ukuqonda wonke ama-invoyisi akho nezinsuku zawo zamanqamu
• I-akhawunti yezimo eziphuthumayo exhaswe ngokugcwele
• Izimali zomhlalaphansi noma ngabe uneholo elincane
• Iphothifoliyo yokutshala imali ehlukahlukene
• Imifudlana eminingi yemali engenayo
• Ukongela ezinye izinto ozifunayo (isibonelo, izinhloso zakho zesikhathi esifushane, esimaphakathi neside)
• Uhlobo olulungile lomshwalense (Impilo, impilo, ukukhubazeka, ikhaya, njll.)

Okufanele ukwenze ngokulandelayo 

Ungacabangi ukuthi kusesekuseni kakhulu noma sekwephuzile ukuthi ube nohlelo lwezezimali. Kunalokho, manje isikhathi PARFAIT ukuqala !

1. Icebo lakho

Uma ungashadile, kubalulekile ukuba nohlelo lwezezimali olungagcini nje ngokukusiza ukufeza izinhloso zakho zangaleso sikhathi, kodwa futhi oluqinisekisa ukuthi ikusasa lakho liyanakekelwa. Kusho ukwenza zonke izinto ezishiwo ngenhla ngaphandle kokwenza umcabango wokuthi izinto zizohamba ngandlela thize.

Iphutha elikhulu? Uma ucabanga ukuthi uhlangana nomuntu ozokunakekela futhi anakekele imali yobudlelwano bakho.

Uma isimo sobudlelwano benu sishintsha noma ushadile, niyobe nikuhlomele kahle ukuhlela izimali zenu ndawonye uma usunazo izinto ozilungisele zona.

2. Uhlelo lomshado wakho

Uma ushadile noma unothandiweyo wakho, kufanele ubambe iqhaza kwezezimali njengeqembu. Xoxa ngesabelomali sakho nemigomo yezezimali futhi wenze izinqumo zezimali ndawonye. Qonda ukuthi imali yakho iya kuphi nokuthi ingakanani imali onayo ekongeni nasekutshaleni. Ngendlela, nasi isihloko esikubonisayo indlela yokuphatha izimali zakho uma usanda kushada.

- Ingabe kufanele sibe nama-akhawunti ahlangene noma ama-akhawunti ahlukene?

Ukuba nama-akhawunti ahlanganyelwe kuhle, kodwa futhi ngikholelwa ekubeni nama-akhawunti akho okonga siqu. Uma ungowesifazane kubalulekile ukuthi uthuthukise umuzwa wakho wokuphepha futhi ube 'nowakho' owuletha etafuleni.

Kodwa ungazizwa unesibopho sokugcina ama-akhawunti akho omuntu siqu eyimfihlo. Khumbula ukuthi umshado kanye ubudlelwano obuzibophezele busekelwe ekuvulelekeni nasekuthembekeni.

Kungakhathaliseki ukuthi ubambisana nozakwenu noma uhamba wedwa, indlela eya ekuzimeleni ngokwezimali ayihlali ilula futhi igandaywe kahle. Kodwa ungalilahli ithemba; Sekuyisikhathi sokugoqa imikhono yethu futhi singcolise izandla zethu. Kulungile, sekuyisikhathi sokufunda ukuthi ungakha kanjani uhlelo oluqinile lwezezimali.

Indlela yokudala uhlelo oluqinile lwezezimali?

Manje ake sibone indlela yokwenza uhlelo oluhle lwezezimali. Ngezansi, uzothola izinyathelo eziyishumi zokudala uhlelo oluqinile lwezezimali.

1. Bhala phansi imigomo yakho yezezimali

Into yokuqala mayelana nokuhlelwa kwezimali ukubeka imigomo. Ukuba nemigomo yezezimali kuyisisekelo sempumelelo yakho yezezimali. Ngemuva kwakho konke, kufanele wazi ukuthi yini ofuna ukuyenza ukuze uyifeze ngempela. Kodwa-ke, uma kuziwa ekubekeni imigomo, ufuna ukwenza isiqiniseko sokuthi izinhloso zakho zichazwe kahle futhi zibekwe phambili ngokufanele.

Kuhle ukuba nakho izinhloso ezinkulu nezinhle ! Kodwa qiniseka ukuthi uwahlukanisa abe yizicucu ezincane. Ngale ndlela, awukhungatheki ngokuzama ukukufeza futhi ungakwazi ukukala intuthuko yakho kalula.

2. Dala isikhwama sezimo eziphuthumayo

Kubaluleke kakhulu futhi ukuthi enye yezinhloso zakho ihlanganise nohlelo lokubhekana nezimo eziphuthumayo. Ufuna ukwenza isiqiniseko sokuthi ukulungele ukumelana nesiphepho. Uma kungenjalo, uzophinde uzithole usucwile ezikweletini.

3. Khokha izikweletu zakho

Ukuze ukuhlela kwakho kwezezimali kuqine, kufanele futhi ucabange ngokukhokha izikweletu zakho. Ngeshwa, awukwazi ngempela ukuqala ikusasa lakho lezezimali uma une toni yezikweletu.

Phakathi kwezilinganiso zenzalo ezimba eqolo, izinkokhelo ezincane zenyanga zonke, kanye nomonakalo izikweletu eziningi ezingawenza kumaphuzu akho esikweletu, kungcono ukukhokha izikweletu zakho kuqala.

Dala isu lokukhokha izikweletu futhi ubekezele kodwa ungaguquguquki njengoba ulwela ukukhululeka ezikweletini. Nakhu izimfihlo ezingenaphutha zokukhokha ngokushesha izikweletu zakho.

Nasi isixhumanisi esihlobene esikubonisayo AMACEBISO angu-30 OKONGA FUTHI UCHITHE KAKHULU. Ngincoma kakhulu ukuthi uthenge lokhu kuqeqeshwa ngoba njengoba ngakutshela kwenye yokuqeqeshwa kwami, yilokhu kuqeqeshwa okwangivumela ukuba ngikhiphe ngokushesha izikweletu zami eminyakeni emibili edlule.

4. Dala uhlelo lokutshala izimali

Uhlelo lokutshala izimali nalo luyingxenye yokuhlela kwakho kwezezimali. Uma ufuna ngempela ukwakha ingcebo, kufanele ubeke imali yakho ukuze ikusebenzele. Yilapho ukutshala imali kungena khona.

Nokho, ngaphambi kokutshala imali oyisebenze kanzima, kubalulekile ukuba nemigomo echazwe kahle. Cabanga ukuthi ukutshalwa kwezimali kuwufanele yini uma uzodinga imali yakho kanye nokubekezelela kwakho ubungozi.

Ukutshala imali kuwumsebenzi wesikhathi eside ngakho kuyingozi. Ngakho-ke kufanele uzibophezele kukho uma ufuna ngempela ukubona imali yakho ikhula. Ingabe ukhathazekile ngokudinga imali yakho ngesikhathi esifushane? Awu, yilokho okushiwo ama-akhawunti akho okonga; beka eceleni kwakho ukonga okuphuthumayo kanye nemali yakho yezinhloso zakho zesikhashana.

Futhi ufuna ukwenza isiqiniseko sokuthi unokuqonda okuyisisekelo (okungenani) kwanoma yikuphi ukutshalwa kwezimali ofaka imali yakho kukho (isibonelo, imakethe yamasheya, indawo ethengiswayo, noma ibhizinisi elincane).

Izinhlelo zakho zokutshala imali kufanele zifakwe kusabelomali sakho sanyanga zonke lapho ubeka iphesenti elithile lomholo wakho ukuze ufeze izinhloso zakho zokutshala imali.

5. Thola umshwalense ofanele

Ngemuva kokusebenza kanzima ukuze uthole imali yakho, into yokugcina oyifunayo umcimbi ongalindelekile wokukusula. Umshwalense ngokuyisisekelo uwuhlelo lwakho lokusekelayo oluzovikela impahla yakho uma kwenzeka izimo zempilo zidinga inani elikhulu lemali ukuba lixazululwe.

Umshwalense wakho kufanele uhlanganise impilo, imoto, ukukhubazeka, impilo, ikhaya noma ukuqasha, kanye nebhizinisi. Ngokuyisisekelo, ufuna ukuvikela noma yini ebaluleke kakhulu nenani ukuze uqinisekise ukuthi wena (nabathandekayo bakho) nivikelekile ngokwezimali.

Ukuba nomshwalense ofanele kungenza lokho okungase kube inhlekelele enkulu kube ukuphazamiseka nje.

6. Dala uhlelo lokuthatha umhlalaphansi

Ukuze ube nempilo oyifisayo uma usuthatha umhlalaphansi, kufanele uzilungiselele ngokwanele. Uzodinga ukuthola ukuthi uzodinga malini uma usuthatha umhlalaphansi, ucabangela ukwehla kwamandla emali njengoba kunjalo, nokuthi uhlela kanjani ukonga nokutshala kusenesikhathi ngaleso sikhathi empilweni yakho.

7. Hlela izintela

Yebo, izintela! Izintela ziyacasula, kodwa nakanjani ngeke ziphele maduzane. Ngakho-ke qiniseka ukuthi imali yakho engenayo yesikhathi eside ihlanganisa izintela. Ukwehluleka ukuhlelela izintela kungaba nomthelela omkhulu ekuhambeni kwemali yakho.

Ukwengeza, nakanjani ufuna ukubuyekeza izinketho zokutshala izimali zokonga intela futhi uhlale uphezulu kunoma yikuphi ukudonswa kwentela okufanele ongakufaka isicelo ukuze ukusize wonge imali ezinkokhelweni zentela.

Ungase uhlele ukuhlala phansi nomgcini zimali wentela noma umhleli wezezimali ukuze uqinisekise ukuthi uhlelo lwakho lwentela lwanele. Kufanele futhi uhlole iposi lethu lebhulogi yokuthi ungayinciphisa kanjani imali engenayo ekhokhiswa intela!

8. Dala uhlelo lwezindlu

Ukuhlelwa kwezindlu akuyona into abantu abaningi abathanda ukucabanga ngayo, kodwa kubalulekile! Ikuvumela ukuthi unqume ukuthi kwenzekani ngempahla yakho ngemva kokuhamba. Imayelana nokufaka kuhlu zonke izimpahla zakho, ukubhala incwadi yefa, nokwenza itholakale kubantu abadinga ukufinyelela kuyo. Umhleli wezezimali noma ummeli wezindlu angakusiza ukuhlela izinto ngendlela efanele.

9. Buyekeza uhlelo lwakho njaloukuqinisekiswa kwezezimali

Ukuhlelwa kwezimali kuqinile kuphela uma kubuyekezwa njalo. Uma usuluchazile futhi wathuthukisa uhlelo lwakho lwezezimali, kubalulekile ukuthi ubuyekeze uhlelo lwakho njalo futhi wenze noma yiziphi izinguquko ezidingekayo uma imigomo yakho noma izimo zempilo zishintsha.

Isibonelo, Mhlawumbe umshwalense wakho udinga ukushintsha, ukubekezelela kwakho ubungozi kushintshe, noma uyashada noma ube nezingane. Okungenani, ufuna ukuhlola lonke uhlelo lwakho lwezezimali okungenani njalo ezinyangeni eziyisithupha.

Uma uhlola njalo, kuba lula kuwe ukuthi ubhekane nemicimbi yempilo engalindelekile, ubuyele emuva ekushiyekeni, futhi ufinyelele imigomo yakho yezezimali.

Cabanga ngalokho okwenzayo ukuze ulondoloze impilo yakho siqu. Uxubha amazinyo kanye neshawa njalo ukuze uhlale uhlanzekile futhi ugweme izifo ezingenasidingo ngoba sonke siyazi ukuthi ukugula kungaholela kwezinye izinkinga zempilo futhi awukufuni lokho. Futhi futhi ngenxa yokuthi ukwenza njalo, sekuyingxenye yomkhuba wakho wokunakekela impilo yansuku zonke - kunjalo, kuyafana nangezimali zakho!

10. Hlala ufunda, gwema ukusebenzisa imali ngokweqile futhi ufunde emaphutheni akho

Indlela yakho eya ekuzimeleni ngokwezimali ngeke ihlale ilula. Kuyoba khona izinsuku ezinzima, amasonto ngisho nezinyanga. Ukuphishekela Umgomo Wokuzimela Kwezezimali Okuboshelwe Kakhulu Ekwaneliseni Okubambezelekile Akuhlali Kumnandi, kodwa kuyenzeka ngokuphelele.

Yiba nohlelo oluqinile lwezimali zakho, uziphathe ngendlela, futhi ugweme ukusebenzisa imali ngokweqile. Uzothola ukuthi uzozizwa umuhle kangakanani uma wenza umzamo ohlangene wokunamathela kubhajethi yakho.

Ngenkathi usasebenza ngezimali zakho, usengawenza amaphutha ngemali yakho, futhi lokho kulungile. Ngezinye izikhathi ungase ungakwazi ukumelana nesifiso sokuthenga okuthile okungekho kubhajethi yakho yamanje. Futhi kwesinye isikhathi uzofuna ukudabula lonke uhlelo lwakho lwezezimali lube yizicucu ngoba akubonakali kumnandi.

Kodwa-ke, inqobo nje uma ugcina izizathu zakho zokuthi kungani, ufuna ukukhululeka ngokwezimali futhi wenze umzamo wokuhlehla ngokushesha emaphutheni akho, uzophuma kahle kakhulu. Kumayelana nokuhlola amaphutha owenzile, ukuqonda ukuthi kungani wawenza, kanye nokwenza isu lokugwema ukuwenza futhi. Khona-ke uzodinga ukuthatha lezi zifundo futhi uzisebenzise empumelelweni yakho yesikhathi esizayo.

Amathiphu Okubuyekeza Njalo Uhlelo Lwakho Lwezezimali

Nawa amanye amathiphu angakusiza ukuthi uhlole izinhlelo zakho zezimali.

1. Yakha isimiso

Hlela isikhathi masonto onke noma okungenani kanye ngenyanga, ngokuqinisekile, ukuze uhlole impilo yezezimali. Ziphuzele ikhofi noma ufake umculo omnandi futhi uphuze inkomishi yetiye eshisayo ekhaya futhi uchithe isikhathi esithile uhlola izinto. Kungumqondo omuhle ukusetha isikhumbuzi ekhalendeni lakho ukuze ungakhohlwa lokhu okurekhodiwe.

2. Misa futhi ubuyekeze imigomo yakho yezezimali

Uma ungakakwenzi, kubalulekile ukuthi uchaze imigomo yakho yezezimali yesikhathi esifushane neyesikhathi eside ukuze wazi kahle ukuthi yini osebenzela ukuyenza ngemali yakho. Ngokuhamba kwesikhathi, ufuna ukuqiniseka ukuthi uvakashela kabusha futhi ubuyekeze imigomo yakho ukuze uqiniseke ukuthi kuseyizinto ofuna ukuzifeza nokuthi usendleleni yokuzifinyelela.

3. Hlanganisa ama-akhawunti akho asebhange kanye nezinkokhelo zezikweletu

Hlola ukudonswa kwemali ku-akhawunti yakho yasebhange ngokumelene nezinkokhelo zebhili ozihlele ngaphambilini noma ozithumele. Qinisekisa ukuthi zonke izikweletu ezilindile/izinkokhelo zezikweletu sezikhokhiwe noma zihleliwe.

Qhathanisa amarisidi akho nokuthenga ngekhadi lakho lesikweletu futhi uqinisekise ibhalansi. Buyekeza ibhajethi yakho bese uqhathanisa izindleko zakho zangempela nalokho obukuhlelile. Kanye ngenyanga, setha ibhajethi yakho yenyanga ezayo.

4. Buyekeza ukonga kwakho nokutshale imali

Uma unemisebenzi ezenzakalelayo esethiwe ukuze wenze ukudluliselwa kuma-akhawunti akho okonga noma otshalomali, qiniseka ukuthi uyawahlola. Lokhu kuzohlanganisa nanoma yiziphi izimali ezifakwayo ezizenzakalelayo ozimisile ukuze zingene kuma-akhawunti akho omhlalaphansi njll.

Uma ungakazimisi i-automation, yenza noma hlela ukudluliselwa kwakho mathupha kuma-akhawunti akho okonga nokutshalwa kwezimali futhi uqiniseke ukuthi uyahlola futhi uqinisekise ukuthi okwenziwayo kuqedwe ngempumelelo.

Futhi hlela ukubukeza iphothifoliyo yakho yonke yokutshalwa kwezimali ukuze ulinganisele futhi uyehlukanise njengoba kudingeka futhi uqiniseke ukuthi uyazibuyekeza nezinkokhelo zakho!

5. Buyekeza umshwalense wakho

Futhi ufuna ukwenza isiqiniseko sokuthi unohlobo olulungile umshwalense wempilo yakho. Lokhu kubandakanya impilo, imoto, impilo, ukukhubazeka, ikhaya, impahla yomuntu siqu, ibhizinisi, njll.

Setha isikhumbuzi kabili ngonyaka lapho uhlala khona futhi uhlole izindleko zezinqubomgomo zakho ezihlukene futhi uthenge ukuze ubone ukuthi yini enye ekhona. Ukuvumelanisa ama-akhawunti akho nokuhlela izimali zakho kuqinisekisa ukuthi uyazi konke okwenzeka ngemali yakho nokuthi usendleleni yokufeza izinhloso zakho.

6. Hlola ukubaluleka kwakho konke

Inani lakho lengqikithi lingacishe lichazwe njengethemometha esetshenziswa ukukala impilo yakho yezezimali futhi ufuna ukuyilandela.

Okubalulekile kwakho okuyinhloko kufanele kube ukukhokha isikweletu esiningi ngangokunokwenzeka, uqale ngesikweletu sakho senzalo ephezulu, ukhulise impahla yakho, futhi ngokuhamba kwesikhathi inani lakho lemali lizoqala ukukhula.

Abantu abaningi baqala benemali engalungile lapho beqala ukusebenzela ekuthuthukiseni izimali zabo, kodwa ngokuhamba kwesikhathi nokuqhubeka nokuzijwayeza imikhuba emihle yezezimali, lokhu kuzoshintsha.

Imibuzo okufanele uyibuze lapho ubuyekeza uhlelo lwakho lwezezimali

Nayi eminye imibuzo engakusiza kule nqubo:

• Yiziphi izinyathelo engizithathile enyangeni edlule ukuze ngisondele emigomweni yami?
• Yiziphi izinto ezingisuse emigomweni yami?
• Ingabe ukusebenzisa kwami ​​​​bekuhambisana namanani ami ayinhloko?
• Imaphi amaphutha emali engiwenzile enyangeni edlule?
• Kungani ngibenze?
• Ingabe imigomo yami yezezimali iseyiqiniso?
• Yiziphi izindleko ezinkulu ezizayo maduze?
• Ingabe isikhwama sami sezimo eziphuthumayo sixhaswa ngokugcwele ngezinyanga ezingu-6-9 zokusebenzisa imali ngokusekelwe ezidingweni eziyisisekelo zamanje enginazo namuhla?
• Ingabe ngonga okwanele ukuze ngithathe umhlalaphansi ngokunethezeka ngokusekelwe enanini lami elifanele lomhlalaphansi?
• Awulazi inani lakho?
• Ngiyahlangabezana yini nezinye izinjongo zami zokonga kanye nokutshalwa kwezimali zesikhashana
• Ingabe ngisendleleni eqondile yokonga izingane zami?
• Yiziphi izinyathelo engingazithatha ukuze ngiqiniseke ukuthi nginenyanga engcono ngenyanga ezayo?

Ithiphu:  Gcina ijenali lapho uphendula le mibuzo, bese ubuyekeza okufakile okudlule njalo ezinyangeni ezimbalwa.

Kuyindlela enhle yokuhlala ugqugquzelekile, ikakhulukazi njengoba ubona inqubekelaphambili oyenzayo ngokuhamba kwesikhathi, futhi uma uhlala uzimisele ukuthuthukisa ezezimali zakho, uzobona inqubekelaphambili.

Faka kabusha…

Khumbula, lolu uhambo lwakho nolomunye umuntu, ngakho ukuba nohlelo lwempumelelo ngezimali zakho kubaluleke kakhulu. Ukuhlela kusengaphambili impilo oyifunayo kuwufanele u-100%.

Ukuze ngihambisane nalesi sihloko ngomhlahlandlela osebenzayo, ngihlangane nesixhumanisi esinconywe kakhulu ngabaxhumanisi bezezimali. Uma futhi ufuna ukuthenga lokhu kuqeqeshwa, khona-ke okumele ukwenze nje chofoza lesi sixhumanisi.

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