Ezinyathelweni ezingu-11 ezilula, indlela yokuphatha isamba esikhulu semali noma inzuzo enkulu yezezimali

Impumelelo yezezimali engalindelekile ingase ifike nemizwelo eminingi. Ungathola isamba esikhulu semali ngezipho, amabhonasi noma ukukhokhelwa. Kungase futhi eze ngendlela yamafa, ukunqoba amathikithi elotho, ukuthengiswa kwezakhiwo noma okunye. Ukuchuma kwezimali kungaletha injabulo kunoma yimuphi umthombo.

Uma zisingathwa ngokucophelela futhi zisetshenziswa ngokuhlakanipha, izizumbulu zemali zingaba yithuba elihle lokuthuthukisa isimo sakho sezezimali. Ubungasabela kanjani uma unikezwa isizumbulu semali ongayitshala? Ubungenzani ngemali? Kungaba ngcono ukonga, ukutshala imali noma ukuthenga izinto ezinhle?

1. Ungathathi izinqumo ngokuzumayo

Zinike isikhashana ucabange ngezinketho zakho ngaphambi kokujaha ukwenza isinqumo mayelana nendlela yokusebenzisa imali. Cabanga ngakho. Ungafaka imali emakethe yemali noma ku-akhawunti yokonga bese ulinda. Kungenzeka ukuthi wenze izinqumo ezingcono ngemali uma ungaqali ukusebenzisa ngokushesha.

Uma uthola isamba semali, uvame ukuthenga noma ukwenza izinto obungeke ukwazi ukuzenza. Nokho, ezimweni eziningi kulula ukwenza izinqumo ngokuxhamazela nje. Ngaphambi kokuhlela ukusebenzisa imali, kuwukuhlakanipha ukulinda isikhashana, ngisho nezinyanga. Uzoba nengqondo futhi uzimisele uma ulinda.

2. Khuluma nezingcweti Singakusiza ukuphatha amanani amakhulu emali

Bonana nodokotela wakho ngesikhathi sokulinda Umhleli Wezezimali OqinisekisiweXhumana no-accountant kanye nomeluleki wezezimali. Nquma ukuthi yini okufanele uyenze ngezintela Uma unesamba esikhulu semali, kuvame ukuba nemithelela yentela okudingeka uyiqonde ngaphambi kokwenza izinhlelo ezinkulu. Umeluleki wakho wezezimali angakusiza wenze uhlelo lokusebenzisa imali osele ngemuva kokuxazulula inkinga yentela.

Ukusebenza nochwepheshe kungakusiza ukuthi uthuthukise (noma ubuyekeze) izinhlelo zakho zezimali. Bazokweluleka ngendlela engcono kakhulu yokusebenzisa impahla yakho yezezimali ukufeza izinhloso zakho. Bangakusiza futhi ukuthi unqume ukuthi yimaphi ama-akhawunti angcono kakhulu okugcina imali ongafuni ukuyisebenzisela ukutshalwa kwezimali.

3. Buyekeza noma dala uhlelo lwakho lokulandelana

Uma ungakabi nalo uhlelo lokulandelana, manje isikhathi esikahle sokuludala. Uzobona ushintsho emalini yakho kanye nenani lemali ngemuva kokuthola inani elikhulu lemali. Impumelelo yezezimali iyisigameko esibalulekile empilweni.

Kubalulekile ukubuyekeza noma udale ipulani yezindlu ebuyekeziwe ukuze kulandwe izinguquko. Ukuze wenze izinqumo ezifanele mayelana nendlela yokunakekela obathandayo, thintana nommeli wefa. Cabanga ukuthi uzowaba kanjani ifa lakho kanye nempahla yakho uma kwenzeka ushona ungalindele.

4. Qiniseka ukuthi unemali eyanele yezimo eziphuthumayo

Yonga imali ukuze wakhe noma uqale isikhwama sakho sokulondoloza izimo eziphuthumayo. Kungumqondo omuhle ukonga okungenani izinyanga ezi-3 kuya kweziyisi-6 zezindleko zokuphila. I-windfall ingakusiza ukuthi uxhase ngokugcwele isikhwama sakho sezimo eziphuthumayo.

Yiba matasa futhi wongele lezo zikhathi "uma kwenzeka" lapho ungase udinge ukufinyelela emalini ngokushesha. Kunezizathu eziningi zokonga imali yezimo eziphuthumayo, njengokulahlekelwa umsebenzi noma izindleko zokwelashwa.

5. Yehlisa noma uqede izikweletu ezinenzalo ephezulu Ngesamba sakho esikhulu semali

Izikweletu ezinenzalo enkulu, njengesikweletu sekhadi lesikweletu, zingakhokhwa ngokushesha ukuze kongiwe. Uma i-windfall ingenkulu ngokwanele ukuthi ukhokhe zonke izikweletu zakho, ukukhokha ibhalansi yakho kuseyinqubekela phambili! Ngokukhokha inzalo encane, ungagcina imali yakho futhi wehlise el tiempo ukuthi uzinikele ekukhokheleni abakweletayo.

Imali yakho engenayo yanyanga zonke izoba ngcono ngokukhokha noma ukunciphisa izikweletu zakho. Ungasebenzisa imali osele ngayo ukukhokhela izikweletu zakho, futhi lokhu kukhulula imali obungeke ujwayele ukuyisebenzisa kuyo. Kufanele ucabange ukwehlisa isikweletu sakho uma ulingeka ukuthi usebenzise ingxenye yemali engenayo esikweletini sakho.

6. Ngezindleko ezinkulu, noma umgomo wakho olandelayo, yonga.

Ingxenye yenzuzo yakho yezezimali ingasetshenziswa ukukusiza ukonga izindleko ezinkulu. Noma mhlawumbe kukhona into ofuna ukuyithenga esikhathini esizayo enenani eliphezulu.

Isamba esikhulu semali singakunika imali kwezinye izinto. Ungase ufune ukuba nendlu yakho. Unethuba lokonga imali ekukhokheni kwakho phansi, izindleko zokuvala, nezinye izindleko.

7. tshala imali inzuzo yakho yezezimali

Umeluleki wakho wezezimali oqinisekisiwe angakusiza ukuthi udale uhlelo lokutshala imali noma usungule ama-akhawunti otshalomali. Ungaba nohlelo oluqondene nawe lomhlalaphansi wakho noma lomholo wakho.

Ungasebenzisa inzuzo enenzalo ehlanganisiwe, ukwanda kwenani, futhi wonge imali yekusasa ngokutshala imali. Ungakwazi futhi ukutshala imali manje ukuze wenze imali. Ungakhuluma nochwepheshe ukuze nixoxe ngesimo sakho esithile futhi ninqume indlela yokutshala imali.

8. Isamba sakho semali esikhulu singasetshenziselwa ukutshala ekusaseni lakho

Inzuzo yakho yezezimali ingasetshenziselwa ukutshala imali kuwe. Ingasetshenziselwa ukutshala imali emfundweni yakho. Ingase futhi isetshenziselwe ukukusiza ukushintsha imisebenzi noma ukwandisa ukuqeqeshwa kwakho. Ungase ube nebhizinisi eseceleni osebenza kulo.

Kungase kungathathi imali eningi ukuyisa umbono wakho ezingeni elilandelayo. Uma unombono webhizinisi osebenzayo, kodwa ungenayo imali yokuwenza, ungase uthande ukucabanga ukusebenzisa ezinye zezinkinga ukuze uzitshale wena nezinhlelo zakho.

9. zenzele umusa

Izinto eziningi esizihlanganise kuze kube manje azijabulisi ngokwemvelo noma azijabulisi. Kunezinqumo eziningi "zebhizinisi" okufanele uzithathe, kodwa ungakhohlwa ukuziphathisa kancane. Sebenzisa enye yemali yakho kuwe. Thenga okuthile okuheha ukunaka kwakho.

Jabulela uhambo lokuphumula. Thatha ithuba lokwenza okuthile okujabulisayo nokujabulisayo obukade ukulindile noma obungeke ube nalo ithuba lokwenza ngenye indlela. Nakuba i-windfall ingaba yithuba elihle lokuthola uzinzo kwezezimali, ingakunika nethuba lokuzijabulisa.

11. Nikela entweni oyikhathalelayo

Ungesabi ukusiza abanye Nika abampofu Lokhu ngeke kuzuzise umphakathi wakho kuphela, kodwa futhi kuzonciphisa isikweletu sakho sentela. Khuluma nomhleli wakho wezezimali ukuze uthole iseluleko.

Khetha isisekelo/inhlangano Nikeza isipho kumuntu omthandayo nokholelwa kuye. Isipho sakho sizobenza bazizwe bebonga. Uzozizwa ukahle ukubuyisela nokusiza abanye abantulayo.

Ungakwazi ukuphatha ngempumelelo isamba sakho esikhulu semali!

Okukodwa noma ngaphezulu kwalezi zinketho kungaba yisixazululo esingcono kakhulu, kuye ngenani lemali. Thatha isikhathi sokuhlala futhi uvumele imizwa yakho yenjabulo yehle.

Injabulo yokukhiqiza ingcebo yezimali inkulu. Kuyajabulisa ukucabanga ngezinto eziningi ongazenza ngemali yakho nokuthi zingasithuthukisa kanjani isimo sakho sezezimali. Kulula ukwenza iphutha futhi uzisole kamuva.

Ngakho-ke uma uthola isiphetho, thintana nochwepheshe bezezimali, yiba ngamabomu, dlulela ezinhlosweni zakho, futhi ungakhohlwa ukuzijabulisa!

Thola imali eyengeziwe ngomhlahlandlela wethu. Iphakethe lamahhala elithi "Indlela yokutshala imali esebenza ngayo"! Lalela i-podcast ye-Clever Girls Know ukuze uthole amanye amathiphu okonga imali Bhalisela isiteshi se-YouTube!