Enye yezindlela ezinhle kakhulu zokuthuthukisa impilo yezimali zethu zomuntu siqu ukudala isabelomali. Ukuba nesabelomali kubaluleke kakhulu kangangokuthi ngisho nezinkampani ezinkulu nohulumeni bahlela isabelomali sabo; kodwa kuyini? Ngaphezu kwakho konke, ukwenza kanjani? Lesi sihloko sihlose ukusebenza njengesiqondiso esijwayelekile sendlela yokwakha isabelomali somuntu siqu ukuze izimali zakho zithuthuke.
Iyini futhi yenzelwe ini?
Isabelomali uhlelo oluqopha kokubili imali engenayo kanye nezindleko zethu, okuholela ohlelweni lokuthi izinsiza zethu zezimali kufanele ziqondiswe kuphi . Ngaphezu kwakho konke, kusisiza ukuqaphela noma yikuphi ukuvuza kwemali noma izindleko ezithile ngezinye izikhathi okusivimbela ekongeni noma okusishiya siswele imali yokumboza izindleko zamasonto onke noma zamasonto amabili.
Isabelomali sigcina umkhondo wazo zonke izimo zemali ephumayo. Isizathu sokucacisa lokhu ukuthi uma singabali zonke izindleko zethu, sivame ukuzibuza ukuthi kungani singenayo imali eyanele ekupheleni kwenyanga. Futhi ngokuvamile, imali isetshenziswa ekudleni okulula, eziphuzweni, noma ekuphumeni nabangani. Ngaphandle kokuhlela kahle, kuzoba nzima kakhulu ukuthuthukisa ezezimali zethu.
Ngakho-ke, isabelomali sisisiza ukulawula imali engenayo kanye nezindleko zethu; futhi ngokulawula, sisho ukuthi njengoba inyanga iqhubeka, sizokwazi ukuthi yini esingayisebenzisa nemali yethu kuyo nokuthi yini esingenakuyisebenzisa. Kodwa akusikho lokho kuphela; isabelomali siphinde sisivumele ukuthi sibone ubuthakathaka bamanje ekuphathweni kwemali yethu ukuze sikwazi ukuhlela izinto ezifana nokukhokha izikweletu noma ukonga ukuze sithenge leyo ndlu noma imoto ebesilokhu siyifuna.
Manje njengoba sesiyazi ukuthi yimaphi amathuba anikezwa yisabelomali, umbuzo obaluleke kakhulu uphakama: Kwenziwa kanjani? Isigaba esilandelayo sizochaza indlela yokwakha isabelomali nokuthi singasichaza kanjani.
Ukwenza isabelomali
Njengoba sihlaziye esigabeni esedlule, isabelomali sisekelwe ezintweni ezimbili eziyinhloko: imali engenayo kanye nezindleko. Ngakho-ke, ukuze sakhe isabelomali sethu, into yokuqala okudingeka siyenze ukwenza uhlu lwazo zonke izimali ezingenayo ezihleliwe. Isibonelo, uma sinomholo ongu-€1500 kanye nemali engenayo yokuqasha engu-€300, singazibala ukuze sibale inani lokugcina, okuzoba yi-€1800 kulokhu. Uma sinomholo owodwa ohleliwe wenyanga , umholo wethu, kufanele siwubheke njengento oyiyo: into eyodwa engenayo.
Isinyathelo esilandelayo ukwenza uhlu lwazo zonke izindleko ezihleliwe. Kulokhu, sidinga ukwenza okulandelayo: Okokuqala, bhala phansi izindleko esaziyo ukuthi kufanele sizikhokhe phakathi nenyanga. Lokhu kufaka phakathi, isibonelo, izikweletu zocingo kanye ne-inthanethi, kanye nezinkokhelo zemali mboleko noma zendlu. Manje kuza ingxenye eyinkimbinkimbi kancane: kuze kube manje, izindleko azishintshi, okusho ukuthi kufanele sikhokhe inani eliqondile lezinsizakalo noma izinhlelo zethu njalo ngenyanga. Kodwa-ke, ezinye izindleko azibikezeleki kalula, njengokudla noma igesi yemoto.
Uma singazi kahle ukuthi sizosebenzisa malini ekudleni, kufanele silinganisele izindleko zethu zamasonto onke. Lokhu kuzosenza sikwazi ukubala ngendlela enembile. Ukuze sigweme ukwehlisa inani langempela, kungumqondo omuhle ukwengeza u-10% esibalweni esilinganisiwe. Ngale ndlela, singamunca izindleko ezingahleliwe ngaphandle kokuthinta kakhulu isabelomali sethu esisele noma ukuphazamisa izinkokhelo zethu ezihleliwe.
Elinye iphuzu elibalulekile okufanele silicabangele kwisabelomali sethu izindleko zokunakekelwa kwekhaya, kanye nezinkokhelo zentela nezindleko zezingubo; kubalulekile ukuthi noma singathengi inani elifanayo lezingubo njalo ngenyanga njengenyanga edlule, sinemali ethile esivele yabelwe leyo njongo, ukuze uma singasebenzisi sonke isabelomali sezingubo kule nyanga, ngenyanga ezayo singasebenzisa isabelomali saleyo nyanga kanye nokonga, noma siqhubeke nokonga.
Ake sihlaziye isabelomali samanje
Uma sesinezimali ezimbili eziyinhloko, imali engenayo kanye nezindleko eziphelele, kubalulekile ukuthi ukuyitolika siqhathanise lawa mali; Kunezimo ezi-3, esokuqala nesivame kakhulu ukuthi imali yethu engenayo idlula izindleko zethu, futhi uma sithi akujwayelekile kakhulu sibhekisa ezikhathini zokuqala lapho senza isabelomali sethu, ngoba inhloso ukuthi ngokuhamba kwesikhathi sifinyelele kulokhu isimo, ukuze wonge.
Isimo sesibili yilapho imali engenayo yethu ilingana nezindleko zethu; empeleni lokhu kuhle, kodwa akukuhle, njengoba singeke sibe nalutho esizolugcina ekupheleni kwenyanga. Isimo sokugcina yilapho izindleko zethu zidlula imali engenayo yethu; lesi yisona esivame kakhulu, futhi isizathu esiyinhloko ukuthi asinazo izinto eziza kuqala.
Inkinga yesibili okudingeka siyicabangele lapho sichaza isabelomali sethu ukukhokha izikweletu, njengoba lokhu kuvame ukubangela izinkinga eziningi futhi kumelela ingxenye enkulu yezindleko ezibekelwe isabelomali . Ngakho-ke, nansi inkinga okufanele siyixazulule: izikweletu.
Udaba lwesithathu okudingeka silucabangele ukuthi ngabe sinazo yini izinto eziza kuqala kwisabelomali. Singazibona lezi ngokuqhathanisa izindleko zomuntu ngamunye nesabelomali sonke. Lokhu kuzosibonisa ukuthi yiziphi izinto ezithola uxhaso oluningi kakhulu. Uma lokhu sesikuchazile kahle, kuzobaluleka ukuhlaziya mathupha ukuthi amanani amelela iphesenti elikhulu abaluleke ngempela noma ukuthi singawanciphisa yini—isihloko esizoxoxwa ngaso kamuva.
Isabelomali esizayo
Manje njengoba sesinombono walokho esikusebenzisayo kanye nemali esiyenzayo inyanga nenyanga, futhi sesihlaziye isabelomali sethu ukuze sikwazi ukusetha izindawo zamathuba nezinto eziza kuqala, kubaluleke kakhulu ukuthi sihlele ukuthi sifuna isabelomali sethu siziphathe kanjani esikhathini esizayo ukuze sikwazi ukonga.
Into yokuqala okudingeka siyicabangele yizinto eziza kuqala kithi, ukuze sikwazi ukugcina izindleko ezingadingekile zingangeni kwisabelomali sethu. Ezinye zezinto eziza kuqala kithi kungaba yizikweletu, irenti, noma ukudla. Uma sesichaze ngokucacile izinto eziza kuqala kithi, sidinga ukubala isabelomali sethu sesikhathi esizayo, futhi ngale ndlela, singafinyelela imali yethu yokuqala esele. Manje ake siqhubekele esihlokweni esithakazelisayo kakhulu: isikweletu.
Into yesibili okufanele siyixazulule yizikweletu zethu. Lapho sidala isabelomali esisha sanyanga zonke, kubalulekile ukukhumbula ukuthi ukukhokha imali eyinhloko kuzonciphisa izindleko zanyanga zonke futhi kunciphise inani lenzalo esiyikhokhayo. Ngakho-ke, sidinga ukwenza uhlu lwazo zonke izikweletu zethu. Uma sesinalo lolu hlu, kubalulekile ukuqaphela inani elikweletwayo, isikhathi sokukhokha, kanye nesilinganiso senzalo. Njengethiphu, izikweletu ezinezinga lenzalo eliphezulu kakhulu kufanele zikhokhwe kuqala.
Okusho ukuthi, uma sinezikweletu ezintathu, esokuqala esikhokha njalo ngenyanga ama-euro ama-5 ukukhokha izinyanga eziyi-12 futhi ngezinga elingu-3%, okwesibili ngokukhokha nyangazonke kwama-euro ayishumi ukukhokha izinyanga eziyi-10 ngezinga elingu-8 %, kanti owesithathu onenkokhelo yanyanga zonke yama-euro ayi-5 okufanele akhokhwe ezinyangeni ezingama-12 futhi ngaphandle kwenzalo; futhi imali esiyitholayo yanele ukumboza izikweletu ezi-24, futhi sinemali eyengeziwe esele, into ebaluleke kakhulu ukukhokha leyo mali ethe xaxa kwi-akhawunti yokuqala, okuyiyona enenzalo ephezulu kakhulu. Uma lokhu sekulungisiwe, sizokhokha ama-euro ayishumi esikweletu sesibili, kanye nemali eyengeziwe, futhi ngale ndlela singakwazi ukukhokha isikweletu sethu kalula futhi ngaleyo ndlela sithuthukise isabelomali sethu kanye nezimali zethu.
Uma sesixazulule noma sihlele ukukhokha izikweletu zethu, iphuzu elilandelayo elibalulekile okufanele silicabangele izindleko ezincane zansuku zonke—lezo ezivame ukunganakwa, njengezipho noma ukudla okulula ngezikhathi ezithile noma izinto ezidliwayo njenge-ayisikhilimu. Ukulawula lezi zindleko kubalulekile ngoba uma sihlanganisa zonke lezi zindleko ezincane, inani elivelayo livame ukuba likhulu. Khumbula ukuthi ukunciphisa nokulawula kangcono lezi zinhlobo zezindleko kuzosenza sikwazi ukubeka phambili ezinye izinto, njengokukhokha izikweletu zethu.
Uma sesibe nesabelomali sethu esesihlelile, kubalulekile ukuthi sifunde ukusilawula, okusho ukuthi, kufanele sihambisane naso ukuze sikwazi ukonga nokunciphisa izindleko zethu ezingenasidingo.