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-Delile
- Vala izisekelo
- Fundisa ingane yakho ukusebenzisa kahle imali
- Hlola ubungozi besikweletu
- Vusa intshisekelo entshisakalweni ehlanganisiwe
- Yiba nenkulumo ngokushesha kunokuba kamuva
Ezezimali azifundiswa ezikoleni. Umthwalo wemfanelo uwela kubazali.
Kungaba khona amakilasi ambalwa afundisa ukwenza isabelomali okuyisisekelo, kepha akudluli lapho. Lokho kuchaza ukuthi kungani intsha ingena ezinkingeni zezezimali ngokushesha lapho ishiya ikhaya. Ucwaningo lwamuva nje lubonise ukuthi inkinga yezikweletu phakathi kwentsha esanda kuphothula esikoleni samabanga aphezulu iya ngokuya iba yimbi, ikubiza ngokuthi “ibhomu lesikhathi esinenkinga.”
Akekho owaziyo isizathu sangempela sokuthi kungani izingane zithunyelwa emhlabeni zinolwazi olwanele lwezibalo, kepha kuncane ukungazi ngemikhuba eyisisekelo yemali. Ungakhathazeki! Ungenza okuthile ngalokhu.
Ungafundisa izingane zakho lokho okudingeka zikwazi ngaphambi kokushiya ikhaya ziqale ikolishi noma umsebenzi wazo.
Vala izisekelo
Ingane yakho ingase ifune ukuba nale nkulumo, ikakhulukazi uma uyihlelela yona. Lokhu yizinto abadinga ukuzazi ukwenza kahle ngokwezimali. Wonke umuntu ufuna ukwenza kahle ngokwezezimali. Uma ukhuluma ngemali, intsha iyalalela.
Qala ngokuqonda okuyisisekelo kokuhlola ama-akhawunti nama-akhawunti wokonga. Ngemuva kwalokho dlulela ezihlokweni eziyinkimbinkimbi njengokutshala imali yomhlalaphansi.
Nawa amaphuzu okufanele uwahlanganise:
- Umehluko phakathi kwe-akhawunti yokuhlola neyokonga
- Ungahlola kanjani futhi uphathe ama-akhawunti abo njalo
- Ungazilandelela kanjani zonke izindleko nesabelomali ngokweqile
- Iqiniso lemali ekhokhwa ngokweqile nokuthi ungazigwema kanjani ngokugcina isikhumbuzi ekubhekeni, noma ngokuxhumanisa i-akhawunti yabo yokonga ukuze bavikeleke
- Ukubaluleka kokuba nezimali ezibekelwe eceleni zezimo eziphuthumayo
Lesi kungaba yisikhathi sokwengeza ukubaluleka kokupha. Noma ngabe ukholwa noma cha, ukupha kuyingxenye enempilo kunoma yiluphi uhlelo lwezezimali.
Fundisa ingane yakho ukusebenzisa kahle imali
Amanye ama-gurus ezezimali, anjengoDave Ramsey, afundisa ngokubaluleka kokuphila ngokungemthetho nokulandelela zonke izindleko. Abanye, njengoRamit Sethi, bafundisa ngokubaluleka kokonga ezintweni ezinkulu futhi bangazikhathazi ngezinto ezincane. Akunandaba, intsha yakho kumele iqonde ukuthi idinga ukuhlakanipha ngemali yayo.
Nawa amaphuzu okufanele uwahlanganise:
- Izindleko eziphezulu zokudla ngaphandle, nokuthi ungalinganisela kanjani ngokudla ngaphakathi
- Ungakuhlela kanjani ukudla ngaphambi kwesikhathi ukugwema ukuthenga ukudla okungadingeki
- Uwasebenzisa kanjani amakhuphoni futhi uthenge ngobuningi, kuphela lapho kunengqondo
Ukusetshenziswa kwemali ngendlela ehlakaniphile kuwumkhuba othuthukiswe ngaphezu kwesikhathi sonke sempilo. Akukona ukuba ezishibhile; kumayelana nokuba smart. Izinto ezifana nokwenza isabelomali semali yakho nokuthenga okuhleliwe kuzokwelula imali yengane yakho kude kakhulu.
Hlola ubungozi besikweletu
Abathengi base-US baphatha ibhalansi yekhadi lesikweletu elinganiselwa ku- $ 15,000 emndenini ngamunye, ngokusho kocwaningo olwenziwe nguNerd Wallet.
Lokho kuphela isikweletu sekhadi lesikweletu!
Isikweletu esiphelele siphindwe kabili kunaleso sibalo, ku- $ 34,055, ngokusho kocwaningo lweRamsey Solutions. Lapho abathengi bebuzwa ukuthi isikweletu sivelaphi, izimbangela ezimbili eziyinhloko yilezi:
Bachitha imali engaphezu kwaleyo abayibonile ekuthengeni okungadingekile, abantu bavame ukusebenzisa imali eningi ngamakhadi wesikweletu kunokheshi.
Eziphuthumayo. Ukungena esikweletini sekhadi lesikweletu bekungagwenywa ukube bebenesikhwama esifanele sezimo eziphuthumayo.
Awufuni ingane yakho ukuba iwele ogibeni lwesikweletu. Uma unesikweletu, thembeka enganeni yakho.
Zisebenzise njengesibonelo sokuthi kungani bengafuni ukuqongelela izintaba zezikweletu. Izibonelo zomuntu siqu zihlala zihamba phambili.
Kuhle impela ukufundisa izingane zakho ukuthi zingazakha kanjani izikweletu zazo, kepha okokuqala kudingeka bazi izinkinga ezingaba khona abangahlangabezana nazo ngokuya ngezibalo.
Vusa intshisekelo entshisakalweni ehlanganisiwe
“Umcebo wami uqhamuke enhlanganisweni yokuhlala eMelika, ezinye izakhi zofuzo ezinenhlanhla, kanye nenzalo ehlanganisiwe. ” - UWarren Buffett
Kuthiwa intshisekelo ehlanganisiwe ingamandla amakhulu kunawo wonke endaweni yonke, futhi mhlawumbe isimangaliso sesi-8 somhlaba. Ingakusebenzela izimangaliso. Ingakucishe ikunqobe uma isebenza ngokumelene nawe.
Leli shadi yonke ingane yakho edinga ukuyibona ukuze iqonde ukuthi kungani kubalulekile ukuqala ukutshala imali ngokushesha okukhulu:
Ukuqala amabhithi asheshe alinde kuze kube yilapho isimo sesiphelele. Fundisa ingane yakho ukuthi izikhokhele kuqala.
Bazohlala njalo bethola indlela yokukhokhela izikweletu nezindleko eziyisisekelo, kepha ukulinda kuze kuphele inyanga ukuze “batshale okusele” akusebenzi. Akukho okuhlala “kusala”.
Yiba nenkulumo ngokushesha kunokuba kamuva
Ungalindi kuze kube yilapho ingane yakho ithola isikweletu sekhadi lesikweletu ukuze ibe nale nkulumo.
Akudingeki ube nezimali zakho ngokuphelele ukuze ufundise ingane yakho izisekelo ezishiwo ngenhla.
Uma ingane yakho iqala ukulungiselela umhlalaphansi ngokushesha lapho ingena emsebenzini, izobekelwa impumelelo yesikhathi eside. Uma belinda, noma ngabe yiminyaka nje embalwa, kuzofanele babambe.