-Delile
- Bhala phansi yonke imithombo yakho engenayo
- Gcina okusobala
- Qonda indlela osebenzisa ngayo imali
- Imali iyakhuluma
- Setha imihlahlandlela
- Gcina, Gcina, Gcina
- Yiba sezingeni elifanele lezezimali
- Nquma izidingo zakho
- Faka izidingo zakho ngezigaba
- Xoxani ngemigomo eyabiwe yezezimali
- Xoxa ngezinhloso zakho zezezimali
- Khetha izinhlelo zokusebenza zokuphatha imali
- Setha imihlangano yemali
- Isabelomali ngaphambi kokukhokha
- Nquma imigomo yesikhathi eside
- Ngabe imali eshisiwe okufanele ngabe umbhangqwana oshadile uyilondolozile?
- Ingabe imibhangqwana eshadile kufanele ihlanganyele imali?
- Ukudla okudlela endlini
Umthwalo wesibambiso sendlu, izikweletu zamakhadi esikweletu nezinye izindleko zomndeni kungadonsela imibhangqwana.
Ucwaningo lukhombisa ukuthi imali iyimbangela ehamba phambili yengcindezi ebudlelwaneni, futhi izinkinga zemali zihamba phambili ohlwini lwezizathu zesehlukaniso. Ukuxhumana njalo nangempumelelo kungasiza ukugcina imishado iqinile, futhi lokho kuyiqiniso ikakhulukazi uma kuziwa ekuphatheni imali.
Ngakho-ke, ungabhajetha kanjani njengombhangqwana?
Landela lezi zeluleko eziyi-15 zokwenza isabelomali semibhangqwana ukuze uthole imali ithrekhi ukuze usebenzise isikhathi esincane ucindezele ngemali nesikhathi esithe xaxa ujabulela inkampani yomlingani wakho.
Esinye sezinyathelo zokuqala zokwenza isabelomali ukuhlanganisa yonke imali yakho ndawonye. Kungaba umholo wakho nakwezinye izinsizakalo zobuchwepheshe ezinikezwayo. Beka konke endaweni eyodwa njengokuqala ukusetha isabelomali futhi wenze amanye amapulani nokonga, ngokufanele.
Imibhangqwana eminingi eshadile inquma ukuhlanganisa ama-akhawunti asebhange, kanti abanye bakhetha ukugcina imali yabo yehlukile. Akunandaba ukuthi unquma ini, ukusebenzisa imali kufanele kube sobala. Njengombhangqwana oshadile, aningaphezu kokuhlala ndawonye nabelana ngezindleko.
Ubuchwepheshe bukunika amandla okugcina konke kusendaweni eyodwa, kwenze kube lula kakhulu ukuxhumana ngemali. Futhi ungesabi ukukhuluma ngaphezu kwama-dollar namasenti - yabelana ngezinhloso zakho zesikhathi eside zezezimali ukuze ukwazi ukonga ngokufanele.
Ngokuvamile abantu bawela kwesinye sezigaba ezimbili uma kukhulunywa ngokuthi bayiphatha kanjani imali:
- Abasebenzisa imali
- Izilondolozi
KULUNGILE ukubona ukuthi ngubani ongcono kakhulu wokonga nokusebenzisa imali emshadweni wakho. Ngenkathi usagcina obala, vumela "isilondolozi" ukuthi sibe umphathi oyinhloko wezindleko zasekhaya.
Isilondolozi singagcina umthengi esetshenzisiwe futhi senze isabelomali sokuphatha imali kangcono.
Ngokubambisana, yakha izigaba ezifana "nokusetshenziswa kwegrosa" noma "ukusetshenziswa kwezokungcebeleka" futhi nivumelane ngokuthi kungakanani ozokwabela isigaba ngasinye. Mane ukhumbule ukugcina ibhalansi - isilondolozi singagcina lowo osebenzisa imali ephendula, futhi umthengi angaphakamisa imisebenzi efanele ukwenziwa ngayo.
Hlela kusengaphambili bese ubekela eceleni isikhathi sokuba “nezingxoxo zemali” lapho ungeke uphazanyiswe noma uphazanyiswe, njengantambama ngeSonto noma ngemuva kokuba izingane sezilale. Ngokuvamile lokhu “kuyindlela yokuhlola” emifushane lapho umbhangqwana ungabheka ukusetshenziswa kwawo maqondana nohlelo lwawo futhi uxoxe nganoma yiziphi izindleko ezizayo.
Qiniseka ukuthi uhlela lokhu njalo, njengaso sonke isikhathi lapho wena noma umlingani wakho ukhokhelwa. Lezi zingxoxo zingasiza ukwenza izinto zingabi nengcindezi uma kuvela isimo esiphuthumayo esingalindelekile.
Ngokunquma isabelomali semibhangqwana, vumelanani ngokuthi ingakanani inkululeko eniyisebenzisa nobabili. Thola inani lemikhawulo lokuthi ngamunye wenu angachitha malini ekuthengeni okukhulu.
Isibonelo, kungalunga ukubuyela ekhaya nezicathulo ezingama- $ 80, kodwa hhayi uhlelo lweshashalazi lasekhaya lwama- $ 800. Ngaphandle kwemihlahlandlela, omunye umlingani angazizwa ekhungathekile ngokuthengwa okukhulu, kanti umuntu ochitha imali usemnyameni wokuthi kungani ukuthenga bekungalungile.
Lo mkhawulo ukuvumela ukuthi usebenze, ngaleyo ndlela unciphise ithuba lesehlakalo esingalindelekile noma ingxabano ngokuhamba kwesikhathi.
Kulula ukusebenzisa isikweletu sakho njengezaba zokungongi. Yenza uhlu lwezinhloso ezincane, ezizokwenziwa.
Lokhu kungaba lula njengokubeka eceleni u- $ 25 kusuka kumholo ngamunye kwi-akhawunti yokonga. Ungaqala ngokuzama ukonga u- $ 1,000 wesikhwama esiphuthumayo bese ufaka kuso njalo.
Uma unenkinga yokushiya imali oyilondolozile wedwa, cela ibhange lakho ukuthi lifake imikhawulo ku-akhawunti yakho yokonga ukuvimbela ukukhishwa kwemali. Ungakhohlwa ukwamukela impumelelo njengoba isenzeka.
Ukuvuma ukuthi udinga usizo lwezezimali kungaba nzima futhi kube namahloni, kepha abaqeqeshi bezezimali bahlonyiselwe ukukusiza ukuthi usethe isabelomali, usebenze emikhubeni yakho yokusebenzisa imali, noma ngisho nasezinkulumweni ezinzima ngokulinganisela ngemali.
Lezi zinsizakalo zesabelomali semibhangqwana ngokuvamile ziyabiza kakhulu, futhi imbuyiselo yotshalo-mali iphezulu - iyodwa, ingcindezi encishisiwe ebudlelwaneni bakho ibaluleke kakhulu kunentengo.
Noma ungalingeka ukuthi ufune izeluleko kubangani noma emndenini, labo osondelene nabo kungenzeka bangakunikeli iseluleko esithembekile nesinenjongo odinga ukusizwa.
Ukutshalwa kwemali okuncane ekuqiniseni impilo yakho yezezimali ngosizo lomqeqeshi kungakhokha kamuva futhi kukusize wena nomlingani wakho ukuthi nigweme “ukuyifunda kanzima.”
Lapho usukwazi ukuthi nobabili nisebenzisa kanjani, esinye isinyathelo ekwenzeni isabelomali semibhangqwana ukunquma zonke izidingo. Lokhu kufaka izidingo zomndeni ezabiwe kanye nezidingo zomuntu siqu. Into ebalulekile okufanele uyiqaphele ukuthi kufanele ubale kuphela izidingo hhayi izinketho zakho zohlu lwezifiso.
Isinyathelo esilandelayo ekubhajetheni imibhangqwana ngemuva kokunquma lezo zidingo ukuzihlukanisa ngezigaba ezahlukahlukene. Kungaba nezidingo zomuntu siqu, izidingo zomndeni, izidingo zomphakathi, njalonjalo. Ukwenza isabelomali sanyanga zonke kufanele kube nakho konke lokhu kuhlukaniswa okuhlukile.
Lezi zinhloso zezezimali ngokuvamile ziyizinhloso zesikhathi esizayo. Kungaba ukuthenga indlu, izindleko zezingane, njll. Hlala phansi uxoxe ngezinhloso ezinjalo bese uzibhala kuspredishithi. Yenza esinye isabelomali semibhangqwana yakho bese ukhetha amasu wokonga, ngokufanele.
Le vidiyo engezansi imayelana nezithandani nezindlela zazo zokuphathwa kwezimali ndawonye. Baxoxa ngezingqophamlando zemali zabo futhi babelana ngamathiphu okwenza isabelomali semibhangqwana:
Njengoba bobabili nabelane ngezinhloso zezezimali, ukubhajetha imibhangqwana kumele futhi kufake phakathi izinhloso ngazinye. Izinhloso zomuntu ngamunye zisho izindleko zomuntu siqu njengezimali mboleko nezinye izidingo. Ukuhlelwa kwesabelomali kufanele futhi kubandakanye izinhloso ngazinye ngokuya ngesitayela semali salowo muntu.
Ukwenza isabelomali esisebenzayo semibhangqwana, bheka uhlelo lokusebenza lwesabelomali oluhamba phambili lwemibhangqwana engabasiza ekwakheni isabelomali futhi urekhode okokufaka kwabo okuhlukahlukene ngempumelelo ukuze bakuqonde esikhathini esizayo.
Ezinye izinhlelo zokusebenza zebhajethi zokusiza imibhangqwana yilezi:
- Isabelomali sasekhaya
- I-honeydue
- Ukudla
- PocketGuard
- I-HoneyFi
- Ukuthuthuka
- Uhlelo lokusebenza lwe-Twine Savings
- Udinga Isabelomali (YNAB)
- Okulula
- UWally
- I-Goodbudget
- Izimvilophu
Uma ungavumelani nezinhlelo zokusebenza zesabelomali somndeni noma ukuhlela ibhajethi yasendlini, ukwenza isihleli sesabelomali esinemininingwane futhi esenziwe ngokwakho kungenye indlela lapho ungenza khona ukulungiswa ngokwezidingo zakho.
Inkinga ayixazululwa ngokwakhiwa kwesabelomali. Ukunamathela kuyo kudinga umzamo omkhulu nokusebenza kahle.
Enye yezeluleko zesabelomali semibhangqwana ukuhlela imihlangano yamasonto onke ukuxoxa ngamasu, izindleko, nokuphambuka. Lokhu kuzobasiza ukuthi babe semgqeni futhi bagweme ukusetshenziswa kwemali okungajwayelekile ezintweni ezingagwemeka.
Ukuhlelwa kwezezimali kwemibhangqwana noma isabelomali semibhangqwana kufanele kuqale indlela ngaphambi kokuba inkokhelo yamukelwe. Lokhu kuzogcina izindleko zakho zihlolwe futhi kunivumele nobabili isikhathi esanele sokuxoxa ngokudingekayo nokuthi yini engagwenywa.
Lapho imali ifika, izinto zizoshesha futhi zibushelelezi ukuphatha.
Ukwenza isabelomali semibhangqwana eshadile akufanele kukhawulelwe ekunqumeni izindleko zenyanga nezindleko zomuntu siqu. Imibhangqwana kufanele futhi ihlele isabelomali ngokuya ngezinjongo zayo zesikhathi eside njengokuthatha umhlalaphansi, isikhwama sezokwelapha, ukuqala ibhizinisi, imali yokufunda yengane, njll.
Futhi Zama:Uphethe Kahle Kangakanani Imibuzo Yakho Yomshado Nezezimali
Ngabe imali eshisiwe okufanele ngabe umbhangqwana oshadile uyilondolozile?
Umbhangqwana oshadile kufanele u-squirrel imali eyanele egcinelwe izinsuku zemvula, ukuze bangakhathazeki ngezimali ngosuku olujwayelekile futhi okubaluleke kakhulu, ngezikhathi zesimo esiphuthumayo.
Umbhangqwana kufanele ulandele 50/30/20 ifomula lapho kufanele bonge khona u-20% wemali yabo engenayo, u-50% wezindleko ezingaguquki no-30% njengesikhwama sokubona.
Futhi, umbhangqwana kufanele okungenani ube nezinyanga eziyisishiyagalolunye zemali egcinwe ku-akhawunti efinyeleleka yezidingo eziphuthumayo.
Lokhu kungenziwa ngokwenza isabelomali esifanele semibhangqwana uma isihlala phansi ukubhala izindleko zayo bese yonga kangcono.
Ingabe imibhangqwana eshadile kufanele ihlanganyele imali?
Lapho bobabili abalingani besebenza, kuhle ukuthi babelane ngezimali zabo emshadweni.
Kunezizathu ezahlukahlukene zokuthi kungani imibhangqwana kufanele yabelane ngemali emshadweni:
- Ukwabelana ngezezimali kunikeza obala
- Kuyasiza ukubeka imigomo engcono yezezimali
- Imibhangqwana ingenza izinqumo ezingcono zokuthatha umhlalaphansi
- Isusa ukugxila kusuka kuye kuya emndenini
- Inikeza ukuguquguquka okungcono kokuhamba ngoshintsho
- Imali eningi ilingana nenzalo etholakele
Ukudla okudlela endlini
Uma wena nomlingani wakho nibhekene nobunzima bezezimali obukhulayo, kubalulekile ukwenza umzamo wokugxila ekuhleleni isabelomali nokuphatha imali ndawonye.
Kusuka ekubambeni umhlangano wesabelozimali oba kabili ngesonto nomlingani wakho kuya ekuvumelaneni ngezindlela zokuqapha ukusetshenziswa kwemali noma ngisho nokuletha uchwepheshe esithombeni, ungakhetha ukwenza isabelozimali semibhangqwana ngokusebenza ngokubambisana namathiphu wesabelomali afanele futhi uthole imali yakho itholakala isikhathi.