Imibono Yemali Engenayo Ye-XM Yokukusiza Ukwenza Imali
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Ingabe umiselwe ukuphila? Ingabe usunayo imali engenayo noma uhlelo lokukhokhela umhlalaphansi wakho? Sezadlula izinsuku zempesheni zikahulumeni. Ubungayikhokha kanjani “impilo” uma uyeka ukusebenza kusasa? Ungahlala isikhathi esingakanani? Futhi ungenzani ngaleso sikhathi esikhululekile?
Kwabaningi bethu, kuwumhlaba ‘womsebenzi size siwe’. Kukithi ukuthola igolide elincane leminyaka yethu yegolide, kodwa udinga malini ukuze uthathe umhlalaphansi ngaphandle kokukhathazeka? Esikhathini esingeside esidlule, inombolo yomlingo bekungu-$1 million. Ukufinyelela isikhundla sikasozigidi ngamashumi amane kwake kwathathwa njengesimo ‘esimiselwe ukuphila’ kubantu abaningi. Kulezi zinsuku, leyo nombolo icishe ifane nezigidi ezinhlanu zamaRandi.
Kwabaningi bethu, kuwumhlaba ‘womsebenzi size siwe’. Kukithi ukuthola igolide elincane leminyaka yethu yegolide, kodwa udinga malini ukuze uthathe umhlalaphansi ngaphandle kokukhathazeka? Esikhathini esingeside esidlule, inombolo yomlingo bekungu-$1 million. Ukufinyelela isikhundla sikasozigidi ngamashumi amane kwake kwathathwa njengesimo ‘esimiselwe ukuphila’ kubantu abaningi. Kulezi zinsuku, leyo nombolo icishe ifane nezigidi ezinhlanu zamaRandi.
Ukonga imali akusona isixazululo
Asenze izibalo. Umuntu oneminyaka engu-20 kuzodingeka onge u-$2000 ngenyanga iminyaka engu-40 elandelayo ukuze nje afinyelele ku-$1 million. Umuntu oneminyaka engu-60 ubudala onesigidi angaphila impilo enesizotha kodwa enethezekile cishe iminyaka engu-20 ngaphandle kokukhathazeka ngemali. Kuzwakala kukuhle, kodwa ake sibhekane namaqiniso, bangaki abantu abangakwazi ukonga lolo hlobo lwemali? Ingabe ngempela ufuna ukonga uze ube neminyaka engama-60 ukuze nje uthathe umhlalaphansi? Kungasho ukuzincisha okuthile namuhla, ukuze ube nokuthile kusasa. Kufanele kube nenye indlela. Eqinisweni, kukhona.
Imali engenayo yempilo yonke
Ungaphila ngo-$1000 ngesonto? Akukuningi kangako, kuya ngokuthi uhlala kuphi, kodwa uma uzimisele ukweqa i-yacht nendiza enophephela emhlane, imali yokuphila yanyanga zonke mhlawumbe iyindlela enengqondo yokukhokhela umhlalaphansi wakho. Kuwumgomo wabaphathi abaningi bezinkampani abafinyelela ekupheleni kwesikhathi sabo seshelufu, futhi kubizwa ngokuthi 'imali engenayo engenzi lutho' yilabo abanayo. Kodwa yini imali engenayo?
Imali engenayo, ngamagama alula, yilapho uhola imali ngaphandle kokuyenzela lutho. Ukuzuza imali engenayo kungenzeka ngezindlela eziningi. Ngokwesibonelo, umnikazi wesitolo esincane osebenza kusukela ekuseni kuze kube kusihlwa angase azibize ngomnikazi, kodwa umholo wakhe usekelwe esikhathini asetshenziwe. Ngokusobala akuyona imali engenayo. Kodwa uma lowo mnikazi wesitolo evula ezinye izindawo ezimbili futhi aqashe abaphathi ukuthi baziphathe, khona-ke uneholo elincane.
Isitolo ngasinye senza inzuzo. Umnikazi angase azigcinele u-35% esitolo ngasinye, futhi akhokhele umphathi ngamunye u-65%. Umnikazi akasadingi ukusebenza, kodwa usahola nyanga zonke. Leso isibonelo esisodwa semali engenayo.
Ungaya kanjani empilweni yemali engenayo
Isinyathelo sokuqala kuwe ukukhulisa ulwazi lwakho. Cishe wonke usomabhizinisi ophumelelayo uchitha isikhathi esiningi efunda nokufunda. Cabanga ngemboni noma umkhakha onentshisekelo kuwo. Ungawasebenzisa kanjani amakhono akho kanye nolwazi lwakho ekhonsathini nalelo thuba ukuze wakhe iholo elihlala njalo? Ungakwazi ukwandisa ulwazi lwakho nakakhulu?
Kunoma ubani othuthela enkundleni yezamabhizinisi, kufanele alindele okungenani iminyaka emi-3 kuya kwemi-5 ebusuku kakhulu nezimpelasonto ezimatasa ngaphambi kokuba abone imbuyiselo enkulu ekutshalweni kwezimali. Ukubekezela kuyisihluthulelo.
Bheka amafa akho
Ake sibone ukuthi uzazi kangakanani. Bhala phansi amakhono akho abaluleke kakhulu nolwazi lwakho ephepheni bese ubeka izithakazelo zakho siqu ezansi. Faka konke ongakwenza kahle noma ngokwemvelo.
Manje thola elinye ishidi bese uqala ukubhala phansi imibono yebhizinisi. Faka okuxakile nokuhlekisayo okwamanje. Zama ukwengeza imibono eyi-10 ohlwini nsuku zonke inyanga yonke. Ekupheleni kwenyanga, khipha imibono engenangqondo futhi eyinkimbinkimbi kakhulu. Okusele kuyisango lakho lemali engenayo.
Ithiphu: ungayizibi noma uchithe imibono edinga ukutshalwa kwezimali okukhulu kokuqala. Cabanga ngengadi egcwele udoti nokhula. Udinga imali yokuthenga amathuluzi, imbewu, nezitshalo, kodwa ungasusa ukungcola ngokushesha. Yenza konke ongakwenza kuqala, ulindele imali kamuva. Uma umbono muhle, abatshalizimali bazokuthola.
Zama ukuqala uhlu lwakho kule mpelasonto. Uhlu cishe luzovusa imibuzo eminingi. Izimpendulo eziningi ziseduze, kodwa uzozithola uma uzidinga uma uqala ukuya phambili.
Okuhlukile
Abanye abantu abanawo umsebenzi noma isipiliyoni sempilo esingahumushela ebhizinisini lezamabhizinisi. Abanye abantu abafuni nje ukuchitha ingxenye yeshumi leminyaka besebenza imini nobusuku ukuze nje baqale. Kulabo bantu, enye inketho ingase ibe ukuqala ukuhweba emakethe yokushintshaniswa kwamanye amazwe (forex).
Njenganoma yiliphi ibhizinisi, uzodinga ukuchitha isikhathi esincane uphenya. Uzodinga futhi imali yokuqala. Idiphozithi yokutshala imali ye-forex ingaqala kusukela kancane njenge-$1. Qhathanisa lokho nezindleko zokuqalisa zebhizinisi lomgwaqo eliphezulu. Ungafunda futhi uzilolonge ku-inthanethi kaningi ngokuthanda kwakho, futhi ngaphansi komholo wesonto kwanele ukuze uqale kahle. Ijika lokufunda liyashesha kakhulu futhi. Ngeke udinge ukuthi ulinde iminyaka emihlanu ukuze uqale ukubona imbuyiselo kwezohwebo zakho.
Ithiphu yokuhweba ephezulu
Bheka leli su lika-20% futhi ubone ukuthi ingabe kuyinto ongase ufune ukuyizama.
- Zibekele umgomo ongathanda ukuwenza nyanga zonke
- Idiphozithi engu-20% wegoli lanyanga zonke
- Bala u-20% wediphozithi yakho futhi ukwenze kube isabelomali sakho sokuhweba nsuku zonke
- Hlukanisa isabelomali sakho sibe ukuhweba okulinganayo okungu-5
- Setha ukuthatha inzuzo futhi umise ukulahlekelwa ku-20% we-investimenti yakho yokuhweba ngakunye
Ukukhombisa lawa maphuzu angu-5:
- Ngingathanda u-$2500 ngenyanga kusukela ekuhwebeni ku-inthanethi
- Ngifaka u-$500 (20% wegoli)
- Isabelomali sami sansuku zonke singu-$100 (20% wediphozithi)
- Ngibeke ama-oda angu-5 ku-$20 ngalinye.
- I-oda ngalinye lizovalwa uma inzuzo noma ukulahlekelwa kufinyelela ku-$4 (20% ye-oda)
Umgomo wakho uwukukhulisa isabelomali sakho sansuku zonke ngo-20% ngaphambi kokuphela kosuku ngalunye. Noma nini lapho uphumelela, leyo nzuzo yengezwa ebhalansi yakho iyonke. Ngosuku olulandelayo, uthatha u-20% webhalansi ye-akhawunti yakho ephakeme kancane futhi utshale ngesabelomali sakho sansuku zonke esiphezulu kancane. Ngokuhweba kosuku ngalunye oluyimpumelelo, ibhalansi yakho iyakhuphuka.
Ukuzama ukwenza u-$20 ngosuku kuzwakala kuphansi kancane, kodwa ungase umangale ukuthola ukuthi umphumela wokuqongelela (owaziwa nangokuthi umphumela oyinhlanganisela) wokwenyuka ngo-20% unikeza imali engenayo yansuku zonke engu-$656 ngemva kwezinyanga ezintathu nje. Ezinyangeni eziyisithupha, ukukhuphuka okungu-20% kuzoguqula lokho kutshalwa kwezimali okungu-$500 ku-$559,677, futhi leso sibalo sizophindeka kabili emasontweni amabili nje kamuva. Kungenjalo, ungase uncame ukuyeka ukukhulisa isabelomali sakho sokuhweba ngemva kwezinsuku ezingu-36, okungase, ngokwesilinganiso sansuku zonke, sibambe iholo elihlosiwe lika-$2500.
Uma kuzwakala kumnandi kakhulu, yingoba kunjalo. Izibalo zilungile futhi ziyiqiniso, kodwa mancane kakhulu amathuba okuthi unganyusa isabelomali sakho sokuhweba ngo-20% njalo ngosuku olulodwa. Ukulahlekelwa isabelomali sakho sonke sosuku kuzokwenzeka ngezikhathi ezithile, ngakho-ke kunciphisa isabelomali sosuku olulandelayo futhi kwehlise umphumela ohlanganisiwe. Okunye okungeke kwenzeke kakhulu ukuthi ngandlela thize ukwazi ukulahlekelwa yizo zonke izimakethe zakho, njalo ngosuku olulodwa, okungasula i-akhawunti yakho yokuhweba esikhathini esingaphezudlwana nje kwezinyanga ezintathu. Lapho ucabanga ngendlela enengqondo, zama ukubekela imigomo yakho siqu endaweni ethile phakathi kwalokhu okubili okweqisayo.
Manje okumele ukwenze ukuthatha isinyathelo sokuqala. Amakhono akho njengomthengisi azokhula ngokuhamba kwesikhathi, futhi ungabeka imigomo emisha njengoba uthuthukela, kodwa khumbula ukuthi ingozi yokulahlekelwa ihlala ikhona, ngakho-ke zama ukugwema ukwandisa isabelomali sakho sansuku zonke ngaphambi kwesikhathi. Ukuhweba akuyona imali engenayo, kodwa umhwebi ovela ekhaya anganikela isikhathi esiningi noma esincane "sokusebenza" ngendlela athanda ngayo.
Inyanga yokuqala kufanele ibe yokuhlola. I-XM ine-akhawunti yedemo ongazijwayeza ngayo. Izame izinsuku ezimbalwa ngaphambi kokuqala ngomgomo onesizotha. Ukuthi ukhetha ukuthuthukisa iholo lakho, ukuqala inkampani yakho, noma uhwebe ukuze uziphilise, imbangela nomphumela kulula. Funda izinto ezintsha, yenza izinto ezintsha, futhi izinto ezintsha zizofika empilweni yakho.
