Izinto eziphambili zokutyala imali yakho

dinero Inyani yokuba unokwenza into ayithethi ukuba uyenze ngoku. Kwaye kungaphantsi kakhulu xa ungcakaza ngemali yakho, njengotyalo-mali. Xa kukho imisebenzi emininzi ekufuneka yenziwe kwaye ixesha lilungile, akufuneki wenze enye into ngaphandle kokuzimasa ukuzalisekiswa kwegama lakho iinjongo eyona icinezelayo kwihlabathi lotyalo-mali. Kuyinyani ukuba zonke izigaba kwinkqubo yotyalo-mali azibalulekanga ngokufanayo. Ayifani nokujonga ukhuseleko kwimarike yemasheya kunesigqibo sokuphumeza ngalo mzuzu.

Ngenxa yoko, umxholo "wento yokuqala" sisiseko solawulo lwexesha elifanelekileyo ngumtyali mali. Ukuthwaxwa kukusilela kwemisebenzi kunye nokunqongophala kwexesha lokuziphumeza, kuxakeke losuku, nditsho nabo bayaziyo indlela yokuphatha ixesha labo ngcono ngamanye amaxesha bazokuziva bethintekile ngokwasemphefumlweni kangangokuba baya kusabela kwimeko enika olona xinzelelo lukhulu. Oku kuqhelekileyo kwimarike yokusebenza kwemali njengoko usazi kumava akho.

Kuyenzeka ukuba xa ulawula imali yakho uzive uxinzelelwe yenye yezi meko zilandelayo. Sombulula iingxaki ngokulandelelana kwazo, Yenza eyona misebenzi ilula okanye izigqibo kuzo zonke ezokuqala okanye ukhathalele imisebenzi enzima, unoluvo lokuba yeyona ndlela ikhawulezayo neyona ichanekileyo yokubasusa. Ngayiphi na imeko, awuyi kuba nesinye isisombululo ngaphandle kokuchaza isicwangciso ofuna ukusiphuhlisa ukusukela ngoku. Hayi lilize, impumelelo yokusebenza kwimarike yemasheya okanye enye i-asethi yemali iya kuxhomekeka kubo.

Imali: ukwenziwa ngokusesikweni kwenkqubo

Nangona usenokuziva unomdla wokuziqhelanisa nenye yezi ndlela, kuthintele kuzo zonke iindleko. Phakathi kwezinye izizathu kuba unokwenza utyalomali olubi. Ukujongana neengxaki ngokulandelelana kwazo kwenzeka ngokufanelekileyo kwezinye iimeko. Umzekelo, ukumisela ukuba loluphi utyalo-mali ekufuneka ulwenzile ngalo lonke ixesha. Kukwanjalo nangalo naluphi na olunye uhlobo lokusabela ngokungaboni kwimeko, nokuba injani imiphumo yesenzo sakho. Kuya kufuneka uyicinge lonto ungashiya ii-euro ezininzi endleleni Kwaye le yinto ekufuneka uyiphephe ngaphezulu kwezinye iindlela zotyalo-mali.

Ngexesha elizayo xa ucinga ukuba awunalo ixesha eloneleyo lokuzinikela kutyalo-mali, kuya kufuneka uphinde ubonakalise. Ekugqibeleni ungafumana ukuba unexesha olifunayo, kodwa kuphela ukuba unesibindi esaneleyo sokwenza izigqibo ezinzima.

  • Ngenxa yoku kufuneka uthathele ingqalelo le miba ilandelayo.
  • Thelekisa ntoni ufuna ukwenza nento osele uyenza ngoku.
  • Zibuze yimalini onokuyifumana kwimeko enye kwenye.
  • Phendula inyani malunga ingakanani ilahleko ngokungakwenzi utyando kwiimarike zezemali.
  • Qwalasela Zonke iinketho onazo kude kube ngoku.

Ujonga njani utyalomali?

euro Isiphelo siya kuba luluhlu lwezinto eziphambili eziza kukuxelela ukuba wenze ntoni kuqala, ukuba wenze ntoni okwesibini, njalo njalo kude kube sekupheleni, ukuze uqinisekise ukuba inzuzo yakho ekusebenzeni iphezulu kwaye ilahleko zakho zincinci. Eyona ndlela yokuqhubela phambili kukuya jonga imeko ke ukuze ujonge zonke izisombululo zezenzo zakho kwilizwe lotyalo-mali. Ke ngoko, ngaphambi kokubeka okanye ukutshintsha izinto eziphambili ngokubaluleka, kufuneka uthathele ingqalelo oku kulandelayo:

  • Sukwamkela okanye uguqule isenzo ngaphandle kokwenza isigqibo Ndiyazi ngokwenza njalo. Sukuthatha inyathelo ungakhange uzibuze kuqala ukuba awunayo into ebaluleke ngakumbi ekufuneka uyenzile. Sukwenza nantoni na ngaphandle komkhwa, ngaphandle kokujonga izinto eziphambili ngokubaluleka ukuqinisekisa ukuba izindululo zakho zisasebenza.
  • Nika ingqalelo ngakumbi kwiimfuno zabo unako ukuthanda okanye ukwenzakalisa. Ngale ndlela, kubaluleke kakhulu ukuba uthembele kuphela kubantu abanobutyebi bamava kwilizwe lotyalo-mali.
  • Ziphathe njengenkokeli, hayi njenge-copycat. Ukukhetha izinto eziphambili ngokubaluleka kutyalo-mali yingxaki yokwenyani ukuba enye yeenjongo zakho iyangqubana nenye. Kulapho ke kubalulekile ukuba ulawulo lobutyebi lubaluleke.

Amathuba oshishino

Kwelinye icala, kufuneka uthathe amanyathelo kuqala kumathuba oshishino anokuvela ngawo onke amaxesha. Akukho mfuneko yokuba zivela kwimarike yemasheya, kodwa zinokuvela kwezinye izinto zexabiso, nokuba ezinye zazo ubungacingi ngazo de kube ngoku. Kufuneka wenze njalo khetha eyona mivuzo iphezulu kunye neelahleko ezisezantsi, njengoko besesitshilo ngaphambili. Ngale ngqiqo, oku kungumxholo wokukhetha izinto eziphambili. Ukusuka kule nyani, qala wenze oko kuthobela kuvelisa esona sibonelelo sikhulu kwaye ushiye isiphelo oko kulibazisayo kwaye kubangele ilahleko encinci.

Yahlula izinto kutyalo-mali ekufuneka uzenzile kunye nezo uzive unyanzelekile ukuba uzenze okanye ungathanda ukuzenza. Ukuba kufuneka ukhethe phakathi kweendlela onokuzenza, qala uvavanye nganye nganye ukuze ubone ukuba yeyiphi efanelekileyo efanelekileyo kudidi lwento ekufuneka uyenzile mzuzu ngamnye. Mhlawumbi kunjalo Uyasokola ukukhetha izinto eziphambili ngokubaluleka kuphela kwesi siseko, kodwa akufuneki ukuba sikhawulelwe koku. Ungalibali ukuba ukugxila kutyalo-mali lwakho kubaluleke ngakumbi ukuba ube nezinto eziphambili ngokubaluleka kunezinye. Sesinye sezitshixo sempumelelo kuye nawuphi na umtyali mali omncinci nophakathi.

Qalisa ngotyalo-mali

utyalo mali Ewe kuyakufuneka ukuba uphinde uqinisekise iprofayili yakho njengomtyali mali wevenkile. Ukuze oku kube njalo, akusayi kubakho khetho ukuba uthobela uthotho lweempawu ezinjengezo siza kuzibhenca apha ngezantsi.

  1. Yiba ne ukufunda okuyimfuneko Kwimveliso nganye yezemali apho uza kuthatha isikhundla ukusukela ngoku.
  2. Akuyi kufuneka tyala imali ngoxanduva, kodwa ngenxa yokuba iimeko zeemarike zezemali zibonisa oko.
  3. Kuya kufuneka ubenoxanduva kwisigqibo ngasinye osithathayo kwaye kwesi sizathu uxanduva lwakho luya kuba phezulu kakhulu ngokwenene. Awunakulibala ukuba ngemali awusoze ungcakaze ngoba ungaphulukana nenxalenye ebaluleke kakhulu kulo mtshato wakho.
  4. Kuyasebenza kakhulu ukuba unazo zonke izixhobo kunye nenkxaso yokusebenza kwiimarike zezemali. Ezinye zazo unokubonelelwa zivela kwibhanki yakho yesiqhelo kwaye banokukunceda ujonge naluphi na uhlobo lotyalo-mali kwiimarike zezabelo.

Funa iinjongo ezinokuthenjwa

Okukhona usazi ngcono ukuba wenze ntoni kwaye ulindele ntoni kutyalo-mali, kokukhona kuya kuba ngcono kulangazelelo lwakho. Nje ukuba unikwe umsebenzi omtsha kwicandelo lotyalo-mali, eyona nto iphambili ekufuneka uyenzile kukucela inkcazo ecacileyo yeenjongo ezilandelelweyo. Phakathi kwazo kukho oku kulandelayo esikubonisayo kolu lwazi:

Fumana iziphumo ezilindelekileyo ukusukela ekuqaleni, ngaphaya kwezinye iindlela ezinobundlongondlongo. Akufanele uqwalasele iziphumo ezinomdla kakhulu kuba ekugqibeleni zinokwenzeka ukuba azidibananga. Kwaye ukuphoxeka kuyakufakwa kwimeko yakho yengqondo njengomtyali mali omncinci nophakathi.

Hlaziya ixesha ekufuneka ulenzile kutyalo-mali kuba luyimfuneko phumeza isigqibo esifanelekileyo malunga nento ekufuneka uyenzile kwiimarike zezabelo. Kwelinye icala, uhlahlo-lwabiwo mali onalo lokuqhuba imisebenzi kwiimarike zezemali. Ukuze ekugqibeleni sigqibe ukuba ngaba umsebenzi omtsha kwimarike yemasheya uthetha utshintsho kwisicwangciso sotyalo-mali kunye neziphumo zaso eziqhelekileyo.

Phuhlisa isicwangciso sotyalo mali

utyalo mali Eyona nto iphambili ekufuneka uyenze ephambili kukwakha isicwangciso apho imisebenzi yakho kwiimarike zezemali iya kugxila khona. Ekuqaleni oku kuya kukudla ixesha, kodwa ngaphezulu kwako konke uya kuthintela naluphi na uhlobo lokudideka kwaye uya konga ixesha kamva, kuba uya kuba nesiqinisekiso esipheleleyo sokuba lonke utyalo-mali lwakho lucwangciswe kwaye lwayilwa ngokuchanekileyo. Ngaphaya kweempazamo onokuthi uzenze ngamaxesha onke. Into eyenzeka kwelinye icala inamaxesha athile njengoko sele usazi kumava afunyenwe kwiminyaka emininzi njengomtyali mali.

Akumangalisi ukuba enye yeenjongo zakho eziphambili ayisasebenzi kuphela ukufumana eyona nzuzo iphezulu. Ukuba akunjalo, ngokuchaseneyo, ijolise ekunikezeleni ukhuseleko olukhulu kwimisebenzi yakho yezemali. Nokuba yeyiphi na indalo kunye nemali oyinikezele kwezi zikhundla kwiimarike zemali. Kuba ekupheleni kosuku yintoni emalunga nokwandisa iiasethi zakho zobuqu okanye zosapho. Kwelinye icala, awungekhe ulibale ukuba yonke le misebenzi inothotho lwemingcipheko ekufuneka uyiqwalasele ukusukela ngoku.

Ukuba ulandela ezi ngcebiso, alithandabuzeki elokuba utyalo-mali lwakho luyakwenziwa ngesiqinisekiso esikhulu sempumelelo. Ukuze ngale ndlela, ubekwimo efanelekileyo yokulawula imali yakho ngeyona ndlela ifanelekileyo. Akukho ngaphezulu okanye ngaphantsi, kuba ekugqibeleni lutyalomali.


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

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