Umxholo
- 1. Xoxa uze ucwangcise iinjongo zakho zemali
- 2. Joyina iimali zakho
- 3. Ncedanani ukwenza inkqubela phambili
Kwizibini ezitshatileyo, uSuku lweValentine luhlala lubandakanya itshokholethi, iintyatyambo, isidlo sangokuhlwa esimnandi, kunye nezipho ezintle - zonke ezo zinto zidibanisa umboniso obiza kakhulu wothando. NgokweNational Retail Foundation, inkcitho yoSuku lweValentine kulindeleke ukuba ifikelele ngaphezulu kwe- $ 20 yezigidigidi kulo nyaka.
Endaweni yokuchitha amakhulu eedola ngoSuku lweValentina, wena neqabane lakho ninokubonisa ukuba nithetha kangakanani omnye komnye ngokwenza ezi zimali zihambe kunye.
Elona candelo lilungileyo:
Nincedisana ekuphuculeni ubomi bezemali-indlela ebaluleke ngakumbi yokubhiyozela uthando lwenu omnye komnye.
1. Xoxa uze ucwangcise iinjongo zakho zemali
Thatha eli thuba ukuncokola malunga neemali zomntu ngamnye kunye neenjongo zemali.
Thetha ngobudlelwane bakho nemali yakho, izicwangciso zomsebenzi wakho, kunye nezinto ojonge ukuziphumeza ngokwembono yemali.
Jonga:
Imali sisifundo esichukumisayo phakathi kwakhe nabani na, hayi izibini ezitshatileyo kuphela. Umxholo uhlala ubandakanya ukuba semngciphekweni.
Isakhono sokuchaza kunye nokwabelana ngemeko yakho yezemali kunye nembonakalo inokuba ngamava aphambili okudibanisa abonisa ukuthembana.
Fika kwiphepha elinye kwangoko ngokwezemali kwangoko kwaye ngokufanelekileyo kuba imali ihlala isisizathu sokuba ubudlelwane busebenze ekuhambeni kwexesha.
2. Joyina iimali zakho
Bonisa ukuzibophelela kwakho komnye obalulekileyo ngokuthatha amanyathelo okudibanisa iimali ngandlela thile.
Ingabandakanya:
Ukuhamba kunye
-Ukuvula iakhawunti yebhanki edibeneyo
- Ukwenza uhlahlo-lwabiwo mali kunye
Kukho inqanaba eliphezulu lokungafihli okufunekayo kwezi ntshukumo zezemali.
Umzekelo, ukuhlala kunye linyathelo elikhulu ngokweemvakalelo nangokwezemali. Nihlala kunye kwaye oko kunokuthetha ukwahlula iindleko kunye nolunye uxanduva lwezezimali.
Ukusuka kumfanekiso omkhulu, le ntshukumo inokunyusa ukuhamba kwemali kwakho kunye neqabane lakho kuba iindleko ekwabelwana ngazo ziphantsi kunokuhlala ngokwahlukeneyo.
Okanye, ukuba uvula iakhawunti edibeneyo yebhanki, utyhila umsebenzi wenkcitho kunye nomvuzo ogcina uxanduva lwazo kwiinjongo ezinokuthi zibekwe kwinqanaba lokuqala. Ibonisa ukuba omabini amaqela azimisele ukwenza utshintsho kwimali yawo ukuze kuxhamle ubudlelwane.
3. Ncedanani ukwenza inkqubela phambili
Ngaba kukho naziphi na iintsilelo kuwe okanye ekusetyenzisweni kwemali liqabane lakho? Ngaba ninokuncedana ukwenza inkqubela kwicala elifanelekileyo?
Banokuncedana:
-Konyusa amanqaku emboleko
- Lawula amatyala ngcono
Ukuphonononga ipotifoliyo yotyalo mali
Ukuba kukho izicwangciso zokutshata kwaye uthenge ikhaya kunye, amanqaku aqinisekileyo etyala kubalulekile kuyo nayiphi na imali mboleko enkulu efunekayo kwikamva. Kwaye, ukuseka ikhredithi elungileyo kunokuthatha ixesha.
Enye indlela yokunceda iqabane lakho ukuba lakhe ikhredithi kukubongeza njengomsebenzisi ogunyazisiweyo kwikhadi letyala, elinokukunceda ukuba unyuse amanqaku akhe etyala.
Omnye umthwalo wemali kubantu abaninzi lityala, ngakumbi inzala ephezulu yamakhadi etyala. Ngumthombo woxinzelelo- kwaye ukukhululeka kolo xinzelelo kunokuba sisipho esikhulu sosuku lweValentine. Hlalani phantsi nivavanye imeko yamatyala omnye komnye ukuze nibone ukuba ngaba zikhona na iindlela zokulawula amatyala ngcono. Ngaba amatyala ahlawulwe ngendlela eya kuthi ikhokelele kwiibhalansi ezi- $ 0? Ngaba isengqiqweni into yokuba omnye wenu adibanise amatyala aye kumyinge wenzala osezantsi?
Okokugqibela, jonga ukuba wena neqabane lakho niza njani kutyalo-mali. Gxeka iiphothifoliyo zomnye kulwabiwo lweeasethi, unyamezelo lomngcipheko, inkcitho kunye nezibonelelo zerhafu. Ngaba omnye wenu utyale imali kakhulu kwintengiso enye? Ngaba ubona imali engabizi mali kunye okanye ii-ETF ezinokuthi zithathe indawo yokubamba esele ikhona? Ngaba iakhawunti yomhlala phantsi yomntu ngamnye (IRA) ilahlekile kwipotifoliyo?
Ekugqibeleni, ezi ntshukumo zijikeleza ubudlelwane obunezona njongo zibalaseleyo zemali engqondweni. Kwaye, banokuba nefuthe ngakumbi kwimisebenzi yoSuku lweValentine kunalo naluphi na utshintsho lwezinto eziphathekayo.