Yini okufanele uyenze ngeholo lakho lokuqala?

Ngemva kweminyaka yokuthembela kubazali bakho ukuze uthole imali ukuze ulondoloze indlela yakho yokuphila, ukuthola isheke lakho lokuqala kungase kukunike umuzwa ojabulisayo wokuba ekugcineni usumdala. Manje usungakwazi ukusebenzisa imali oyisebenze kanzima kunoma yini oyifunayo ngaphandle kokuziphendulela kubazali bakho.

Ngeshwa, ukuba umuntu omdala osebenzayo ngokuvamile kusho ukuthi kufanele ube nomthwalo wemfanelo futhi ucophelele mayelana nokuthi uchitha iholo lakho lenyanga kukho. Ngenxa yokuthi unale nkululeko entsha yokuthenga izinto eziningi akusho ukuthi kufanele usebenzise ngokukhululeka.

Ngaphambi kokuthi uqale ukugqoka izingubo ezibizayo, izimoto zikanokusho, ikhofi elimnandi kanye nethosti ebizayo kakotapheya, nazi izinto eziyisikhombisa okufanele uzicabangele. hlela ngomholo wakho wokuqala. Mais avant de commencer, voici un guide premium qui vous donne des meilleurs conseils pour vous permettre de mieux gérer vos finances personnelles.

Izinto ezingu-7 okufanele uzenze ngomholo wakho wokuqala

Ukuze ukwazi ukusizakala ngomholo wakho wokuqala futhi uzuze inkululeko yakho yezezimali, ngibhale izinto ezingu-07 okufanele uzenze ngomholo wakho wokuqala.

#1 Yakha eyakho ukonga okuphuthumayo

Ngomholo wakho wokuqala, ungaqala wakhe ukonga okuphuthumayo. Kusukela usemncane, utshelwe ukuthi kubalulekile ukonga usuku lwemvula. Ukuba umuntu omdala kusho ukuthi kufanele ukusebenzise lokhu.

Udinga ukonga okuphuthumayo ongasebenzisa ngokunenzuzo noma nini lapho impilo inquma ukukuphonsa ibhola elijikayo. Kungaba udaba oluncane kodwa olucasulayo, njengokushintsha umshini wakho wokuwasha. Kungase futhi kube yinto ebucayi, njengokudinga ukwelashwa okuphuthumayo ngesaziso esifushane.

Uma unemali yokubhekana nezinkinga ezinjalo, kukusindisa ekucindezelekeni okungadingekile, ukuboleka imali noma ukungena ezikweletini ukuze ukhokhele lezi zindleko obungazilindele.

Inani elihle ongahlose ngalo kungaba ukubeka uhlangothi izinyanga eziyisithupha kuya kweziyisishiyagalolunye ngokwesilinganiso sezindleko zakho zenyanga. Kuphinde kuqinisekise ukuthi unemali eyanele yokonga wena nomndeni wakho ukuze niqhubeke niphila indlela eniphila ngayo, ngisho noma ulahlekelwa umsebenzi futhi kufanele niqale nifune omunye.

#2 Sula noma wehlise isikweletu sakho

Okwesibili okufanele ukwenze ngomholo wakho wokuqala ukunciphisa noma ukusula izikweletu zakho. Njengoba ukhulisa ukonga kwakho, kufanele ngaso leso sikhathi uhlole isikweletu osusiqoqile futhi okudingeka usikhokhe.

Kuleli qophelo, imali ebolekiwe yomfundi yisikweletu samanje okungenzeka ukuthi usitholile ngesikhathi sokufunda kwakho. Inkokhelo yalezi zimali mboleko ivamise ukuqala uma usuphothule futhi kungathatha iminyaka eminingana ukusula.

Akuzona zonke izikweletu ezidalwe zilingana, ezinye zisinda kunezinye. Ngokwesibonelo, isikweletu sika ikhadi lesikweletu kuvame ukuholela emazingeni enzalo aphezulu angaphezu kwamaphesenti angama-24 ngonyaka, angakwazi ukusimama uma evunyelwe ukudlala eqhweni. Khokha lezo zikweletu kuqala, ngoba zingase zikulimaze ngokwezimali.

Bala izinkokhelo zanyanga zonke okudingeka uzenze kuzo zonke izikweletu zakho futhi ubeke leyo mali eceleni nyanga zonke ukuze uqiniseke ukuthi awuphutha ekukhokheni futhi unezinye izinhlawulo zenzalo. Uma unokonga ngokweqile, ungase ucabangele ukubuyisela imalimboleko yakho kancane noma ngokugcwele inzalo ephezulu.

#3 Qonda izidingo zakho zomshwalense

Into yesithathu okumele uyenze ngomholo wakho wokuqala ukuqonda izidingo zakho zomshwalense. Ukuba nomshwalense ofanele wobusha bakho kungenye yezinto ezibaluleke kakhulu ekuhleleni imali ngempumelelo. Udinga ukuqala ukucabanga ngezidingo zakho zomshwalense ngokushesha nje lapho uqala ukuhola.

Kuleli qophelo empilweni yakho, impahla enkulu onayo njengomuntu osemusha yikhono lakho lokusebenza futhi uthuthukise umsebenzi wakho eminyakeni ezayo.

Kuphinde kube yingcuphe enkulu obhekene nayo, njengoba izinkinga zempilo ezingalindelekile noma ingozi engeyinhle ingakuphuca ikhono lakho lokusebenza nokondla umndeni wakho. Leli iqiniso elibuhlungu lempilo.

Ukuze uvikeleke kule ngozi, kufanele ucabangele ukuthenga izinqubomgomo zomshuwalense wezempilo nempilo ezifanele ukuhlangabezana nezidingo zakho. Imikhiqizo yomshwalense ejwayelekile okufanele icatshangelwe ngalesi sikhathi ihlanganisa uhlelo lwangasese lokugoqa, ikhava yokugula okubucayi, umshwalense weholo lokukhubazeka, kanye nomshwalense wempilo.

#4 Qala ukutshala imali

Okunye okumele ukwenze umholo wakho wokuqala utshalomali. Kubalulekile ukuqala kusenesikhathi. Lokhu kungenxa yamandla enzalo ehlanganisiwe, lapho abatshalizimali bengathola inzalo hhayi kuphela ekutshalweni kwabo kokuqala, kodwa nakwenzalo abayizuzile eminyakeni edlule.

Ukutshala imali kusenesikhathi kunikeza utshalomali lwakho isikhathi esengeziwe sokubhekana nobunzima nezimakethe zezimali, okungase kuguquke.

Lokhu kubaluleke kakhulu uma utshala kuzigaba zempahla eyingozi njengamasheya, lapho kuvame kakhulu ukubona izimakethe zishintshashintsha ngezikhathi ezithile ngenxa yezici ezingalindelekile zomnotho omkhulu.

Ukunciphisa ubungozi bakho, khumbula ukusebenzisa a indlela ehlukahlukene uma utshala imali. Lokhu kusho ukuhlukanisa amadola akho otshalomali abe izigaba zempahla ezihlukene ezingahlobene, lapho ukunyakaza kwentengo kutshalomali olulodwa kungathinti enye, noma kuhlotshaniswe nokungalungile, lapho ukunyakaza kwentengo kokukodwa kutshalomali kuvame ukuhamba ngendlela ehlukile kwenye, noma nini lapho kunokwenzeka.

Kuyasiza uma impahla eyodwa ingasebenzi kahle ngoba kunezinye izimpahla kuphothifoliyo yakho ezingasiza ukumboza ukulahlekelwa.

#5 Thumela uphawu lokubonga kulabo abakusize

Uma iholo lakho lokuqala selingenile ephaketheni lakho, ungakwazi ukwanelisa bonke abakusekela ngezikhathi ezinzima. Ngokuvamile, sibambeka kakhulu ekujabuleleni umsebenzi omusha nazo zonke ezinye izinto ezintsha eziza nawo, kangangokuthi siyakhohlwa ngabantu abasisizile, ngokuqondile noma ngokungaqondile.

Abantu abakutshele ngomsebenzi, abantu abakudlulisele, noma othile nje okuqondise ekusesheni kwakho umsebenzi.

Nakuba konke okudingekayo nje " ngiyabonga »mahhala noma inothi lomuntu siqu lokukhumbula laba bantu futhi ubonge, kubaluleke kakhulu uma ungabathumelela isipho somuntu siqu sokubonga esingaba amaswidi, oshokoledi, isipho noma nje isidlo sakusihlwa.

#6 Tshala imali kumshwalense wempilo nezempilo

Ngisho noma ibhizinisi lakho likuhlinzeka ngakho kokubili lokhu, ukutshala imali emshwalenseni omuhle kuwumqondo omuhle ngoba ngeke kuvikeleke kuphela kunoma yiziphi izimo eziphuthumayo zezokwelapha kungazelelwe, kodwa futhi kuzokusiza ukuthi wonge intela ekupheleni konyaka.

Intsha eningi ikhala ngokukhokha izintela eziphakeme, kodwa iyaqaphela ukuthi ibinganciphisa inani lentela ngokuhlela ukutshalwa kwezimali kwayo zisuka nje.

Kungcono ukuthenga umshwalense ngokushesha ngangokunokwenzeka ukuze ujabulele izinzuzo eziningi. Futhi, ngokuvamile, lapho umncane, i-premium yomshuwalense wezempilo ukhokha kancane.

#7 Izinto zakho ezinenani eliphezulu

Uzothola ngokushesha ukuthi ubudala bugcwele izinto zamathikithi amakhulu odinga ukonga kuzo. Ezinye zazo zizobiza ngaphezulu kwamashumi ezinkulungwane zamadola futhi zidinga ukuthi uqale ukonga ngokuzimisela manje.

Uma ulindele okudingekayo $ 30 000 ukuze ulungise indlu yakho eminyakeni emibili, kusho ukuthi kufanele wonge $ 15 000 ngonyaka, cishe $ 1 250 ngenyanga. Lesi sibalo sisebenza kuphela uma uqala ukulondoloza namuhla.

Ungase ugcine usunezinto zamathikithi ezinkulu ezimbalwa odinga ukonga kuzo, kodwa ungakongi okwanele inyanga ngayinye. Udinga ukuqala ukubeka phambili izidingo zakho futhi ucabange ngalokho okubaluleke kakhulu kuwe.

Isibonelo, uma uchitha u-$30 ngomshado wakho, noma uma leyo mali idinga ukukhokhela ukulungiswa kwekhaya lakho.

Kubalulekile futhi ukuhlukanisa phakathi kwezidingo kanye nalokho akufunayo. Iholide lokuphela konyaka elibiza u-$10 lincane kunesidingo kunenkokhelo yendlu kanye nophahla phezu kwekhanda lakho.

Kuphela ngemva kokwenza isabelomali sezindleko ezibalulekile lapho kufanele ucabange ngokunethezeka nanoma yini engenangqondo ongathanda ukuyisebenzisa iholo lakho njalo ngenyanga.

Ngamafuphi…..athembela empilweni

Ngemva kweminyaka engaphezu kweshumi yokuqeqeshwa, ukuqala impilo emhlabeni osebenzayo kungase kube nzima. Ukuze uthwale imithwalo yakho yemfanelo emisha futhi ulungiselele lokho ikusasa likuphathele, udinga ukukhuthala kusukela lapho uqala ukuthola isheke lakho lokuqala lomholo.

Lokhu kuhlanganisa ukwakha imali oyilondolozile, ukunciphisa izikweletu ezinenzalo enkulu, ukuqonda umshwalense nokutshala imali, nokubekela eceleni imali yezindleko ezibalulekile njengemishado nokulungiswa kwezindlu wonke umuntu azodlula kukho ekuphileni kwakhe.

Ngokuqonda ukuthi yini okufanele uyenze ukuze uqinise impilo yakho yezezimali, ungaphila impilo ngokuzethemba okwengeziwe futhi ujabulele ukuthula kwengqondo okukhulu? Lokhu kuzokusiza ukuthi uzuze inkululeko yakho yezezimali.

Ngishiyele umbono wakho kumazwana