Isigqibo sokugcina kwishishini lakho

mivuzo Ngokwedatha yamva nje ebonelelwe ngoPhando lwe-Amway Global yoShishino, ibonisa ukuba i-millennials iya isiba lula shishini njengefomyula yokuphuhlisa ikhondo lakho lobungcali. Kufunyenwe ukuba omnye kwaba babini abantu abatsha, oko kukuthi i-50%, uyavuma ukuba unezakhono eziyimfuneko kunye nezixhobo zokuqalisa naluphi na uhlobo lweshishini. Kodwa eyona nyani ityhila kakhulu kukuba ingxaki yakho enkulu kukufumana ilungelo mali ukuphumeza le minqweno kwicandelo loshishino.

Le ngxelo ikwagxininisa ukuba eyona ngxaki iphambili kwimileniyali kukufumana izibonelelo zemali ukufikelela kwezi njongo kubomi babo bobuchwephesha. Ewe, ngama-25% kuphela aba bantu baneengxaki ezithile fumana inkunzi Ukuqala amashishini abo. Eyona nto ibaluleke kakhulu kukuba liligcuntswana kuphela kwaba bantu abancinci abakwaziyo ukunyusa imali eyoneleyo yokuqalisa iiprojekthi zabo zobungcali okanye ezorhwebo.

Kule meko ngokubanzi, aba bantu banokungenisa uthotho lweengcebiso zokugcina ngamaqhosha athile aza kusebenza kakuhle ukusukela ngoku. Ukuba uyazizalisekisa kwinxalenye elungileyo yemirhumo yabo, akukho mathandabuzo ukuba kuya kuba lula kancinci ukuba ngusomashishini, nangona kungenjalo ngaphandle komzamo omkhulu. Oku kubizwa ngokuba yimibono yesilver ekhuselekileyo oyifunayo khetha ukurhweba endaweni yokuba ube ngumntu oqeshiweyo. Inokuba sisitshixo sokufumana impumelelo oyifunayo kuphuhliso lwalo msebenzi mtsha uya kuzinikezela kuwo ngalo mzuzu kanye.

Iinjongo kwishishini

Ukuba ungomnye wabo bantu bagqibe ekubeni bathathe isigqibo sokuba ngusomashishini njengenye indlela kubomi bakho bobuchwephesha, awusenaso esinye isisombululo ngaphandle zibekele iinjongo. Nangona kunjalo, iinjongo ezilandelelweyo kufuneka zicace gca kwaye ngaphezulu kwako konke zichazwe kakuhle. Nangona zivela kwiribhoni encinci ukuze ungathathi isimanga kule ndlela unayo ngalo mzuzu. Ewe, ezi njongo akufuneki ukuba zibe ndlongondlongo kakhulu, kodwa ngokuchaseneyo zanelisa ezinye zeenjongo ekufuneka uhlangabezane nazo ngaphezu kwayo yonke enye into.

Ulwahlulo olwahlukeneyo

Kuzo zonke iimeko, ukubeka onke amaqanda akho kwibhasikithi efanayo yotyalo-mali njengoko besitsho yinkqubo yokungakhathali ngokupheleleyo kwaye kuwo onke amanqaku okujonga ayisebenzi. Akukho mfuneko yokuba babele utyalomali lwakho kwiimarike ngeniso ekhoyo, kodwa unganikezela inxenye yezi zinto kumvuzo omiselweyo okanye nakwezinye iindlela. Ekupheleni kosuku kumalunga nokwenza ulondolozo lube nenzuzo ngaphezulu kwezinye izinto eziqwalaselwayo.

Esi sicwangciso siya kukunceda ukhusele imali yakho kwelona xesha linzima kwiimarike zemali. Ngale ndlela, uya kuba nembuyekezo engaphezulu kwezona meko zingathandekiyo ukunxulumana nelizwe elihlala linzima lemali. Ukuyiphumeza ngempumelelo ngekhe ubenaso esinye isisombululo ngaphandle koku uphonononge ipotifoliyo yakho yotyalo mali rhoqo rhoqo. Ngotshintsho kwiiasethi zezemali ngendlela enenzuzo ngakumbi kunenye. Uya kubona ngokungathi uyasisebenzisa, uya kuba nemali eseleyo kakhulu kwiakhawunti yakho yokonga.

Musa ukuyipaka imali

dinero Enye yeempazamo ezinkulu ezenziwa ngabatyali mali abancinci nabaphakathi kukuhlala kwimali yokuphepha ukuthintela iziphumo ezingafunekiyo kwiimarike zezemali. Ngale ndlela, elona cebo lilungileyo onokulenza ayikokupaka imali yakho. Ukuba akunjalo, ngokuchaseneyo, eyona nto iluncedo kakhulu kwiminqweno yakho yeyokutyala imali. Oko kukuthi, beka sebenza imali yakho ngaphezulu kwezinye izinto eziqwalaselweyo kwicandelo lotyalo-mali. Ngayiphi na imeko, kuya kufuneka uyenze ngobukrelekrele obukhulu kwaye ngaphezulu kwako konke ufunde zonke iintshukumo zeemarike zezemali. Uza kubona ukuba ekugqibeleni uhlala uphumelela njani ngale nkqubo ixhaphake kakhulu kubatyali mali abanamava ngakumbi kulo naluphi na uhlobo lweemarike zezemali.

Musa ukuthabatheka ziimvakalelo

Imvakalelo ngumcebisi ombi ukwenza naluphi na uhlobo lwentshukumo yokwenza imali okongeni. Ayothusi into yokuba xa kufikwa kwimali kuyinto eqhelekileyo ukuba uthabathe olu hlobo lweemvakalelo. Awunakukhetha ngaphandle kokuthatha kule mizuzu ukuba ucinge ukuba awuzukukwazi Lawula iimvakalelo zakho. Le yenye yezona mpazamo zinkulu abanokuthi bazenze xa bejongana nomzi mveliso wemali. Kodwa kuyo nayiphi na imeko, akufuneki ukuba uphenjelelwe luhlobo oluthile lweemvakalelo zakho. Ingakubiza kakhulu ngexa elithile ebomini bakho.

Qesha umcebisi

umcebisi Ukuba awukwazi ukuphuhlisa utyalo-mali ngendlela othanda ngayo, ngekhe ubenaso esinye isisombululo ngaphandle kokuqesha umcebisi oza kukunceda unyuse utyalo-mali lwakho. Ayothusi into yokuba eli nani lobuchwephesha liyakukunceda ukhathalele ukonga kwakho ngokugqibeleleyo kwaye kuya kukwenza ucwangcise ulungelelwaniso lomdla wakho wobuchule kunye nowakho. Kwelinye icala, ngaphandle kwamathandabuzo inokuba sisixhobo esinamandla sokwenza isicwangciso sakho serhafu. Ne Ulawulo lwazo zonke iirhafu ekufuneka uyigcwalisile, njengengxelo yengeniso, engathanga ngqo okanye yerhafu yenkampani kunye neVAT. Phakathi kunye nexesha elide, kuya kuba kufanelekile ukuqesha le nkonzo yobungcali ukukhusela umdla wakho.

Sukuba nethemba

Ukuba uza kwamkela obu buchule ngaphambi kotyalo-mali lwabucala, kuya kuba ngcono ukuba ungazinikeli kolu hlobo lwemisebenzi. Cinga ukuba zonke iindlela zigcwele amahla ndinyuka, kodwa kwiimarike zezemali zihlala zisoyiswa. Ukuya kwinqanaba lokuba unokwenza ingxaki engakumbi ngale mizuzu ukuba wamkela oku kufanelekile ngaphambi kobomi kunye nehlabathi lemali. Kuhlala kubhetele ukujongeka ukuba uyafuna Ukusebenza komjelo ngempumelelo enkulu kunakwenye iminyaka. Ngenxa yokuba kwelinye icala, ngekhe ubenakho ukuthwala ilahleko enzima yemali eyakwenzeka ngaxa lithile ebomini bakho. Uncumo ngexesha elinokuba nefuthe elihle ukusuka kulo mzuzu ukuya phambili.

Sukuthenga into ongayiqondiyo

Omnye wemithetho esisiseko yabatyali mali abancinci ukuba babhalise kwezi mveliso uziqondayo. Ngale ndlela, naphantsi kwazo naziphi na iimeko musa ukuthenga iimveliso zemali awuqondi okanye ubuncinci awazi ukuba usebenza njani kwiimarike. Kwelinye icala, ingcebiso eluncedo kakhulu isekwe kwinto yokuba ukuba awucacanga ngayo, musa ukuyiqesha nangayiphi na indlela. Eli nyathelo ngokuqinisekileyo liza kunceda ukuhambisa utyalomali lwakho ngokufanelekileyo nangokukhuselekileyo. Kwelinye icala, awufanelanga ukulibala ukusukela ngoku ukuba olona tshaba lukhulu lwabatyali mali kukuqesha into ekugqibeleni abangayaziyo. Iziphumo zinokuchaneka ngokucacileyo ukuba umela esi sicwangciso sikhethekileyo kunye nesicatshulwa ngokwakho.

Beka eceleni iifashoni

iifashoni Ukungahoyi imigaqo kunokubonelela ngaphezulu kovuyo olunye kwezi zihlandlo. Ukuze ubenze bacace gca kufuneka uqwalasele kwakhona ukuba owona mzekelo ubalulekileyo wesi sicwangciso uqhelekileyo kule minyaka idlulileyo uhlala kwimeko ukuthengiswa okukhethiweyo. Kungenxa yokuba enyanisweni, kungengenxa yokuba iyeyona mveliso ivelisa izinto ezintsha ekufuneka iyeyona ibalaseleyo. Kude kweyona inenzuzo. Ezi paramitha zilawulwa zezinye izinto eziqwalaselweyo zobuchwephesha ngakumbi kwaye ekufuneka unike ingqalelo enkulu kuzo xa usenza ngokusemthethweni ezi modeli zotyalo-mali. Nangona kunjalo, le yimpazamo eyenziwa ngabanye babatyali mali abangenamava anje ngewaka lewaka leminyaka.

Yila isicwangciso

Kwaye okokugqibela, awungekhe ushiye ecaleni ukubaluleka kokungenisa isicwangciso esichazwe kakuhle kwasekuqaleni. Iya kuba yeyoncedo ekufezekiseni iinjongo kunye nelona nqanaba liphezulu lokusebenza kakuhle kunye nokunciphisa iimpazamo onokuzenza ukusukela ngoku. Ayinamsebenzi ukuba iphakanyisiwe ukusuka kwi- iinjongo zokuzikhuselaUkuba akunjalo, ngokuchaseneyo, kufuneka iphakanyiswe kwindawo eyakhayo ngokupheleleyo ukukhusela umdla wakho ukusuka kumzuzu wokuqala. Ukukunceda ukuba ulandele ezona njongo zingxamisekileyo kulo naluphi na uhlobo lwendlela yotyalo mali.

Ukusuka kweli nqanaba, ukusukela ngoku kuya kuba lula ukuhambisa ishishini lakho ukuze kancinci kancinci likhule ngokuchanekileyo. Apho ukungabikho kwemali iya kuba yeyona ngxaki iphambili eya kuvela, ngakumbi kwiminyaka yokuqala yobomi bakho obutsha. Hayi ngelize, awuzukukhetha kodwa ukubhenela kwiindlela ezithile ngakumbi zebhanki, nangona kwezinye iimeko unokuthembela kuncedo oluthile olusemthethweni olusebenzayo ukuqhuba lo msebenzi ubalulekileyo wokuqalisa isivumelwano sakho.

Ngaphandle kwezinye iintlobo zokuthathelwa ingqalelo kwezobuchwephesha okuya kuchazwa kwamanye amanqaku kwaye oko kuya kunika umbono omncinci weemfuno zokuqala okanye zokuphuhlisa naluphi na uhlobo lweshishini. Iya kuba yeyona ndlela ilungileyo yokuhlengahlengisa kule meko yokujoyina i-millennials.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.

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