Umxholo
- Dwelisa yonke imithombo yengeniso yakho
- Gcina ukukhanya
- Yiqonde indlela oyisebenzisa ngayo imali
- Imali iyathetha
- Seta izikhokelo
- Gcina, Gcina, Gcina
- Yiba nemali efanelekileyo
- Gqiba iimfuno zakho
- Hlela iimfuno zakho
- Xoxa ngeenjongo zokwabelana ngemali
- Xoxa ngeenjongo zakho zemali
- Khetha usetyenziso lolawulo lwemali
- Misela iintlanganiso zemali
- Uhlahlo lwabiwo-mali ngaphambi kokuhlawulwa
- Gqiba iinjongo zexesha elide
- Yimalini ekufuneka isibini esitshatileyo sigcine?
- Ngaba abantu abatshatileyo kufuneka babelane ngemali?
- Yise kude
Umthwalo wobambiso, iindleko zekhadi letyala kunye nezinye iindleko zosapho zinokutsala izibini.
Izifundo zibonisa ukuba ezemali zezona zinto zikhokelela kuxinzelelo kubudlelwane, kwaye iingxaki zemali ziphezulu kuluhlu lwezizathu zoqhawulo mtshato. Ukuthetha rhoqo nangokufanelekileyo kunokunceda ukugcina imitshato ihleli, kwaye kuyinyani ngakumbi xa kuziwa ekuphatheni imali.
Ke, wenza njani uhlahlo-lwabiwo mali njengesibini?
Landela ezi ngcebiso zili-15 zohlahlo-lwabiwo mali kwizibini ezitshatileyo ukufumana imali yazo kwingoma ukuze uchithe ixesha elincinci uxinzelelo malunga nemali kunye nexesha elininzi ukonwabela inkampani yeqabane lakho.
Elinye lamanyathelo okuqala okwenza uhlahlo-lwabiwo mali kukuhlanganisa yonke ingeniso yakho kunye. Isenokuba ngumvuzo wakho nakwezinye iinkonzo zobungcali ezinikezelwayo. Beka zonke endaweni enye njengeyokuqala ukuseta uhlahlo-lwabiwo mali kwaye wenze ezinye izicwangciso kunye nokonga ngokufanelekileyo.
Uninzi lwabantu abatshatileyo bathatha isigqibo sokudibanisa iiakhawunti zebhanki, ngelixa abanye bekhetha ukugcina imali yabo yahlukile. Nokuba uthatha siphi isigqibo, inkcitho kufuneka ibonakale. Njengesibini esitshatileyo, ungaphezulu nje kokuba nihlala kunye ekwabelaneni ngendleko.
Itekhnoloji ikwenza ukuba ugcine yonke into endaweni enye, isenza ukuba kube lula ukunxibelelana ngenkcitho kunye nomnye. Kwaye ungoyiki ukuthetha ngaphezulu kweedola kunye neesenti - yabelana ngeenjongo zakho zexesha elide ukuze ugcine ngokuchanekileyo.
Abantu bawela kwelinye lamacandelo amabini xa kuziwa kwindlela abayisebenzisa ngayo imali:
- Abaxhasi
- Abagcini
Kulungile ukuchonga ukuba ngubani ongcono lokugcina kunye nokuchitha emtshatweni wakho. Ngelixa kugcinwa ukungafihli, vumela "ugcino" ukuba abe ngumphathi ophambili weendleko zekhaya.
Isilondolozi sinokugcina isigcini-mali sikhangele kwaye senze uhlahlo-lwabiwo mali lokulawula imali ngcono.
Ngokudibeneyo, yakha iindidi ezinje "ngenkcitho yegrosari" okanye "inkcitho yolonwabo" kwaye nivume ukuba ingakanani imali enokwabiwa kudidi ngalunye. Khumbula nje ukugcina ulungelelwaniso- isilondolozi sinokugcina isigxina siphendule, kwaye umntu osisebenzisayo angacebisa ngemisebenzi efanele ukwenziwa.
Cwangcisa kwangaphambili kwaye ubekele bucala ixesha lokuba ube “neentetho zemali” xa ungazukuphazanyiswa okanye uphazanyiswe, njengawe emva kwemini ngeCawa okanye emva kokuba abantwana beye kulala. Ngokufuthi ezi “ziimvavanyo” ezimfutshane apho isibini sinokujonga kwinkcitho yaso ngokunxulumene nesicwangciso saso kwaye sixoxe ngazo naziphi na iindleko ezizayo.
Qiniseka ukuba uzicwangcisa rhoqo, njengalo lonke ixesha wena okanye iqabane lakho lihlawulwa. Ezi ncoko zinokunceda ukwenza izinto zingabi noxinzelelo xa kuvela imeko engalindelekanga engxamisekileyo.
Ukuthatha isigqibo sohlahlo-lwabiwo mali kwizibini ezitshatileyo, vumelanani malunga nenkcitho enkulu eniyisebenzisayo nobabini. Chonga umyinge wemali ngamnye ngamnye anokuyisebenzisa ekuthengeni izinto ezinkulu.
Umzekelo, kunokuba kulungile ukuba ufike ekhaya unezihlangu ezingama-80 zeedola, kodwa hayi inkqubo yethiyetha yasekhaya eyi- $ 800. Ngaphandle kwezikhokelo, elinye iqabane linokuziva likhathazekile ngokuthenga okukhulu, ngelixa umntu ochitha inkcitho ebumnyameni malunga nokuba kutheni ukuthenga kungalunganga.
Lo mqobo ukuvumela ukuba usebenze, ngaloo ndlela unciphise ithuba lesiganeko esingalindelekanga okanye impikiswano kamva.
Kulula ukusebenzisa ityala lakho njengesizathu sokungalondolozi. Yenza uluhlu lwezinto ezincinci ezinokwenziwa.
Oku kunokuba lula njengokubeka bucala i $ 25 kwirhafu nganye kwiakhawunti yokonga. Ungaqala ngokuzama ukugcina i-1, 000 yeedola kwingxowamali engxamisekileyo kwaye emva koko uyongeze kuyo rhoqo.
Ukuba kunzima ukushiya imali oyigcinileyo iyodwa, cela ibhanki yakho ukuba ibeke imiqobo kwiakhawunti yakho yokonga ukunqanda ukukhutshwa kwemali. Ungalibali ukwamkela impumelelo njengoko zisenzeka.
Ukuvuma ukuba ufuna uncedo lwezezimali kunokuba nzima kwaye kubangele iintloni, kodwa abaqeqeshi bezemali baxhotyiselwe ukukunceda usete uhlahlo-lwabiwo mali, usebenze kwindlela ochitha ngayo imali, okanye nakwiingxoxo ezinzima malunga nemali.
Ezi nkonzo zohlahlo-lwabiwo mali kwizibini zihlala zifikeleleka kakhulu, kwaye imbuyekezo kutyalo-mali iphezulu- iyodwa, uxinzelelo olwehlisiweyo kubudlelwane bakho luxabiseke kakhulu kunexabiso.
Nangona unokuhendwa ukuba ufune iingcebiso kubahlobo okanye kusapho, abo basondeleyo kuwe abanakho ukukunika ingcebiso ethembekileyo nefanelekileyo ofuna ukuyiva.
Utyalo-mali oluncinci ekomelezeni impilo yakho yezemali ngoncedo lomqeqeshi unokuhlawula kamva kwaye uncede wena neqabane lakho niphephe "ukuyifunda nzima."
Nje ukuba uyazi ukuba nobabini nisebenzisa njani, elinye inyathelo lokwenza uhlahlo-lwabiwo mali kwizibini ezitshatileyo kukuthatha isigqibo ngazo zonke iimfuno. Oku kubandakanya iimfuno zomzi ekwabelwana ngazo kunye neemfuno zomntu. Into ebalulekileyo ekufuneka uyiqaphele kukuba kuya kufuneka ubale izinto eziyimfuneko kwaye hayi ukhetho lwakho lwezifiso.
Inyathelo elilandelayo kuhlahlo-lwabiwo mali kwizibini ezitshatileyo emva kokwenza isigqibo ngezo mfuno kukuzihlela ngokweendidi ezahlukeneyo. Kunokubakho iimfuno zomntu, iimfuno zomzi, iimfuno zentlalo, njalo njalo. Ukwenza uhlahlo-lwabiwo mali lwenyanga kufuneka lube nawo onke la macandelo ahlukeneyo.
Ezi njongo zezemali zihlala ziinjongo ezizayo. Isenokuba kukuthenga indlu, iindleko zabantwana, njl. Yenza uhlahlo-lwabiwo mali lwakho lwesibini kwaye ukhethe ukugcina izicwangciso, ngokufanelekileyo.
Ividiyo engezantsi imalunga nesibini kunye neendlela zolawulo lwemali kunye. Baxoxa ngamanqwanqwa abo emali kwaye babelana ngeengcebiso zohlahlo-lwabiwo mali kwizibini ezitshatileyo:
Njengokuba nobabini nabelane ngeenjongo zemali, uhlahlo-lwabiwo mali kwizibini ezitshatileyo kufuneka lubandakanye neenjongo ezizodwa. Iinjongo zomntu ngamnye zithetha iindleko zobuqu ezinje ngemalimboleko kunye nezinye izinto eziyimfuneko. Ukucwangciswa kohlahlo-lwabiwo mali kufuneka kubandakanya iinjongo ezizodwa ngokwahlukeneyo ngokusekwe kwisitayile semali somntu.
Ukwenza uhlahlo-lwabiwo mali olusebenzayo kwizibini ezitshatileyo, jonga olona lwabiwo mali lubalulekileyo kwizibini ezinokubanceda ekwenzeni uhlahlo-lwabiwo mali kwaye barekhode amagalelo abo ngokufanelekileyo ukuze baqonde kwixesha elizayo.
Ezinye zeenkqubo zohlahlo-lwabiwo mali zokunceda izibini zezi:
- Uhlahlo lwabiwo mali lwasekhaya
- Ubusi
- Ukutya
- IPocketGuard
- UbusiFi
- Uphuculo
- Usetyenziso lweTwine Savings
- Ufuna iBhajethi (YNAB)
- Elula
- Wally
- I-Goodbudget
- Iimvulophu
Ukuba awuhambelani neapps yohlahlo-lwabiwo mali losapho okanye ucwangciso lohlahlo lwabiwo-mali lwasekhaya, ukwenza isicwangciso sohlahlo-lwabiwo mali olucwangcisiweyo ngokwakho lolunye ukhetho apho unokwenza uhlengahlengiso ngokweemfuno zakho.
Ingxaki ayisombululwa ngokwenza uhlahlo-lwabiwo mali. Ukunamathela kuyo kufuna umgudu omkhulu kunye nokusebenza kakuhle.
Enye yeengcebiso kuhlahlo-lwabiwo mali kwizibini ezitshatileyo kukucwangcisa iintlanganiso zeveki ukuxoxa ngezicwangciso, inkcitho kunye nokuphambuka. Oku kuya kubanceda ukuba babe sendleleni kwaye baphephe inkcitho engekho mgaqweni kwizinto ezinokuphetshwa.
Ukucwangciswa kwemali kwizibini ezitshatileyo okanye uhlahlo-lwabiwo mali lwezibini kufuneka ziqale ngaphambi kokuba intlawulo ifunyenwe. Oku kuya kugcina iindleko zakho zijongiwe kwaye kunivumele nobabini ixesha elaneleyo lokuxoxa ngezinto ezifunekayo kunye nezinto ezinokuthintelwa.
Nje ukuba imali ifike, izinto ziya kukhawuleza kwaye zibe mpuluswa ukuze zilawulwe.
Uhlahlo-lwabiwo mali kwizibini ezitshatileyo akufuneki lilinganiselwe ekwenzeni isigqibo ngenkcitho yenyanga kunye neendleko zobuqu. Isibini kufuneka sicwangcise uhlahlo-lwabiwo mali ngokusekwe kwiinjongo zexesha elide ezinje ngomhlala phantsi, ingxowa mali yezonyango, ukuqala ishishini, iifizi zokufunda zabantwana, njl.
Zama kwakhona:Uwulawula Kanjani Umtshato Wakho Kunye Nemibuzo Yezemali
Yimalini ekufuneka isibini esitshatileyo sigcine?
Isibini esitshatileyo kufuneka sigcine imali eyoneleyo eyongezelwe iintsuku zemvula, ukuze bangabi noxinzelelo malunga nemali ngosuku oluqhelekileyo kwaye okona kubaluleke kakhulu, ngamaxesha engxamiseko.
Isibini kufuneka silandele Ifomula yama-50/30/20 apho kufuneka bonge i-20% yengeniso yabo, i-50% kwinkcitho esisigxina kunye ne-30% njengengxowa-mali yokubona.
Kwakhona, isibini kufuneka okungenani sibe neenyanga ezilithoba semali sigcinwe kwiakhawunti efikelelekayo kwiimfuno zongxamiseko.
Oku kunokwenziwa ngohlahlo-lwabiwo mali olufanelekileyo kwizibini ezitshatileyo xa sele zihlala phantsi ukuyila iindleko zazo kwaye zigcine ngcono.
Ngaba abantu abatshatileyo kufuneka babelane ngemali?
Xa omabini amaqabane esebenza, kufanelekile ukuba babelane ngezimali zabo emtshatweni.
Kukho izizathu ezahlukeneyo zokuba abantu abatshatileyo kufuneka babelane ngemali emtshatweni:
- Ukwabelana ngezezimali kunika elubala
- Kuyanceda ukuseta iinjongo ezingcono zezemali
- Amaqabane angenza izigqibo ezingcono zomhlalaphantsi
- Ishenxisa ukugxila kuthi kuye kusapho
- Inika ubhetyebhetye obungcono bokuhamba ngenqanawa ngotshintsho
- Imali eninzi ilingana nenzala efunyenweyo
Yise kude
Ukuba wena neqabane lakho nijamelene nobunzima bezezimali, kubalulekile ukuba nenze umzamo wokujolisa ekucwangciseni uhlahlo-lwabiwo mali nasekulawuleni imali kunye.
Ukusuka ekubambeni intlanganiso yohlahlo-lwabiwo mali kabini-ngeveki kunye neqabane lakho ekuvumeni ngeendlela zokujonga inkcitho okanye nokuzisa ingcali emfanekisweni, unokukhetha uhlahlo-lwabiwo mali kwizibini ezitshatileyo ngokusebenza kunye neengcebiso ezifanelekileyo zohlahlo-lwabiwo mali. ixesha.