Umtyalomali okrelekrele Ngummiselo owenziwe ngu UBenjamin Graham, Apho kuchazwa khona imeko efanelekileyo ukuze ukwazi ukuqhuba utyalo-mali lwakho ngempumelelo kunye neengcebiso malunga nendlela yokulawula iimali zakho. Le mithetho iluncedo kakhulu kwaye iya kuba luncedo olukhulu ukuyisebenzisa kwimihla yakho, ukuze ukwazi ukuthwala isiqhamo ngenxa yokutyala imali yakho ngobulumko.
Tyala imali
Inyathelo lokuqala ukuya kwi- utyalo-mali oluhlakaniphile, Kucacile njengokuba kubonakala ngathi, kuthatha isigqibo sokutyalomali. Ukugcina imali yakho igcinwe ngaphandle kokuyichitha nakweyiphi na into ukuyonyusa yingcinga encinci kakhulu. Ukuvuza iziphumo ze Ukunyuka kwamaxabiso ezoqoqosho, kunyanzelekile ukuba imali yakho ifumane imbuyekezo kunye nokukhula xa ungayisebenzisi.
Kwimali oyifunayo kwixesha elifutshane, ayikhuthazwa into yokuba ube ngumkhenkce kwaye ubuncinci uyibeke kwiakhawunti yokuhlawula ehlawulelwayo, kukwakho ukhetho lwemali yemali. Kwimali enokugcinwa kwixesha elide, kungcono ukutyala imali kwiibhondi okanye kwistokhwe.
Yazi ukuba uza kutyala ntoni
Kubaluleke kakhulu ukuba uyazi ishishini lakho, kuba kufuneka tyala imali kwinto oyaziyo okanye uyazi malunga nesifundo ukusukela, ukuba bakunika ukuba utyale imali kwizabelo zeshishini elithile, kuya kufuneka uyazi ukuba ithengisa kangakanani, ifumana malini, ifumaneka phi, ngubani ukhuphiswano lwayo, igama indawo, inkcitho yangoku, ukuba iyarenta okanye yeyabanini, njl.
Kungenxa yokuba iinkampani ezicatshulwe ngakumbi apho ufuna ukutyala imali, kwenzeka into enye nanjengoko kufuneka uyazi nganye yeenkcukacha zabo ukuze ubazi ubungozi kwaye wenze ukubalwa kwexabiso ukuba ukulungele ukuhlawulela izabelo okanye utyalomali.
Lawula utyalomali
Kubalulekile ukuba nguwe wedwa ophetheyo ukuphatha i iimali kunye nolawulo lotyalo-mali lwakho. Akufanele uvumele nabani na ukuba aqhube inkampani yakho ngaphandle kokuba unendlela yokubeka esweni iziphumo ngokuzimisela okwaneleyo, ukuqonda idatha, ngaphandle kokuba unezizathu ezingaqhelekanga nezomeleleyo ukubonisa ukuzithemba okungagungqiyo kubuchule babo nakwimfezeko yokuba nako bathathe izintso zeshishini ezandleni zabo.
Kuya kufuneka uthathele ingqalelo into yokuba ukushiya umntu ongamaziyo ophetheyo ukuphatha i ulawulo lwenkampani yakho ngaphandle kolawulo lwezenzo zakho kunye nezigqibo malunga noku, iya kuba yimpazamo enkulu. Kungenxa yoko le nto kufuneka siqwalasele ukuba akufuneki uthenge isabelo ukuba awazi ukuba inkampani ilawula ntoni okanye ukhetha ukuhlawula ziphi izabelo ngokuxhomekeke ekubeni ngubani ozilawulayo.
Hlaziya ukusebenza
Uhlalutyo kufanele ukuba ibe lelinye lamanyathelo abalulekileyo kule nkqubo, kuba akufuneki wenze utyando ngaphandle kokuba kusemva kokwenza ubalo oluthembekileyo apho iziphumo ziphoswayo ezenza ukuba uqiniseke ukuba inyani yokuba nethuba elifanelekileyo lokufumana inzuzo efanelekileyo kunokwenzeka.
Ngokukodwa, kuyacetyiswa ukuba uhlale kude neeprojekthi apho umngcipheko wokulahleka uphezulu kakhulu. Kungenxa yoko le nto kunjalo kubalulekile ukuphanda nokuhlalutya, ukuze ukuba ulazi kakuhle ishishini kwaye lisebenza njani, kufuneka usete ixabiso onokuthi ufumane ngalo imbuyekezo eyamkelekileyo. Kule nto, kufuneka ube nolwazi olusisiseko lokulinganisela kunye nolawulo lwezezimali.
Ukuba kunjalo awunayo uqeqesho lwezemali okanye umnqweno okanye ixesha lokufunda malunga neshishini oza kulityala, kuyacetyiswa ukuba uye ngqo kumtyali mali ozimeleyo, oya kuthi akunike uhlalutyo lwangaphambili oluya kukuthintela ekubekeni iiasethi zakho emngciphekweni.
Yiba neenqobo zokuziphatha kunye nokuzazi ngokwakho
Elinye inqaku ekufuneka liqwalaselwe kukuba isibindi ngu into ebalulekileyo. Ukuba nesibindi sokwazi kokubini ulwazi lwakho kunye namava akho kuya kukwenza ujongane nemiceli mngeni ovumayo kwaye okwazi ukujongana nayo. Ewe, ukuba ufikelele kwisigqibo sokwahlula-hlula iinyani kwaye uqinisekile ukuba isigwebo sakho siqinisekile, sisebenzise nokuba abanye banezimvo ezahlukileyo.
Lo mthetho ubalulekileyo ufuna i amandla amakhulu engqondo, kuba akukho lula ukwenza ngokuchaseneyo nendlela abanye abantu abenza ngayo, kodwa ikwathetha eyona ndlela ingcono yokufumana inzuzo engcono ngamashishini amatsha, njengoko kukhankanyiwe nguGraham, umyili wale mithetho, kumhlathi kulowo ubhekisa kuwo inyani yokuba ungangabi uchanekile kwaye awuzukuphazama kuba isihlwele asivumelani nawe. Uya kuba ulungile kuba idatha yakho kunye nokuqiqa kwakho kuchanekile.
Ukuze ufikelele kwinqanaba lokuqonda lo mgaqo, kubaluleke kakhulu ukuba usebenzise ukucinga kwakho okunzulu kwaye uphephe ukuthambeka okuqinisekileyo kwengqondo xa uhlalutya iinkampani ezinokuthi zibe utyalo-mali olunokubakho. Ngesi sizathu, njengoko sele sitshilo, inyani yokuba ucinga ngokunzulu iya kukunceda ukuba uthathe inxaxheba enkulu kwizigqibo zakho ngokwenza ezona zichanekileyo, kuba uyakubona yonke into ngokucacileyo nangokufanelekileyo ngaphandle kokuphenjelelwa zezinye izinto. Eli candelo lolwazi liyakukunceda ngezizathu ngeyona ndlela ichanekileyo xa usenza imali, kunye nakubomi bakho bemihla ngemihla.
Iimvakalelo ngabacebisi abangalunganga
Eli nqaku linxibelelene ngandlela ithile nomhlathi odlulileyo, kwaye ngumgaqo obaluleke kakhulu ongafanele wophulwe. Kuyaziwa ukuba neemvakalelo ezinemincili kwaye kufuneka wenze izigqibo ayiyondibaniselwano elungileyo. Kungenxa yoko le nto kufanele kuqatshelwe ukuba, ngexesha lika tyala imali, iimvakalelo lutshaba lwakho oluphambili.
Kungenxa yokuba ukuba uthenga uyakuphulukana namathuba, ukongeza kunzima ukuya ngokuchaseneyo nomkhwa wangoku okanye imeko kwaye le yimeko ngokwayo ayisosiqinisekiso sokuba uya kuphumelela, kodwa iyanyangwa indlela elungileyo.ukuthintela okanye ukulahlekelwa yimali yakho ngexesha lesiphithiphithi, ikwavumela ukuba uthenge izitokhwe ngamaxabiso aphezulu.
Ukuthatha ikhosi okanye ukufunda iincwadi ngqondweni, banokuba luncedo olukhulu kuwe ekuphuculeni iikhrayitheriya zakho xa usenza izigqibo, oku kungenxa yokuba ukwazi ukwahlula ishishini kwiimvakalelo, uya kuba nethuba elingcono lokufumana impumelelo enkosi kwinto yokuba ungahanjiswa yinto engabalulekanga izinto, kodwa, ngokuchaseneyo, uya kwenza izigqibo zakho ngokusekwe kwinjongo kunye nokungakhethi cala kwimbono, ukonyusa amathuba okwenza isigqibo esifanelekileyo.
Iindleko zinokujika impumelelo yakho ibe kukusilela
Le nto yenye yezona zinto zibalulekileyo kuba kufuneka uyazi kakuhle indlela iindleko zemveliso okanye zenkonzo apho uza kutyala imali. Eli nqaku liyinxalenye engaqhelekanga ukuhoywa, kodwa uthathe ingqalelo yokuba, ukufumana ipesenti eyongezelelweyo yenzuzo kwixesha elide, kunokuthetha ukuba kukho umahluko omkhulu xa usenza iiakhawunti.
Zama ukusoloko ufuna ukuba kuncitshisiwe iikhomishini, kunye nezinye iindleko ukuze ukwazi ukunciphisa, uhlala usemthethweni, okanye ukwazi ukurhoxisa ukuhlawulwa kwerhafu kangangoko.
i-carpe Diem
Xa inkampani ikumaxesha amahle, amaxabiso athanda ukunyuka, kwaye ngamaxesha oxinzelelo lwezoqoqosho, ukuzithemba kuyanyamalala ngokungathi ngomlingo.
Kukwayimeko yokuba, ukuba awuzange utyale imali, isenokuba ngenxa yokuba uhlala ukholelwa ukuba ayiloxesha lililo elo kuba unokucinga ukuba uya kuba nakho ukuthenga ngexabiso eliphantsi kwaye awuyi kuya kwenye indawo. Imeko nganye yezopolitiko, yezoqoqosho okanye yezentlalo inamathuba ayo kunye nomngcipheko wayo. Ekufuneka ixabiswe kuzo zonke ii-angles ezinokubakho.
Thenga kuphela iinkampani ezilungileyo
Inkampani inokuba sisivumelwano esihle, ngakumbi kuba ibonelela izibonelelo ezithile abanye abanakukunika yona, ngakumbi xa unemali encinci kwaye ufuna ukuvelisa isixa esikhulu. Kuya kufuneka uthathele ingqalelo ukuba izibonelelo zabo ziyaqwalaselwa, phakathi kwazo zezi: ukuba nabaphathi abathembekileyo, ukuba banikezela ngembuyekezo entle kwikapitali etyalwe ngabanini zabelo, ukuba ibhalansi yenkampani kunye neeakhawunti zayo kulula ukutolika.
Ukuba banesakhiwo esifanelekileyo senkunzi kunye namatyala ukuze utyalomali lwakho lusebenze ngokufanelekileyo nangokufanelekileyo kangangoko kunokwenzeka. Inkampani ine indawo ephawulekayo nokhuphiswanoLe ngongoma ibalulekile kuba ukhuphiswano oya kuba nalo luya kuba lincinci kakhulu kwaye amathuba okuphumelela anyuke ngokuqaphelekayo.