Inkululeko Yezezimali Izindlela ezingcono kakhulu zokuyifinyelela!

Namuhla emazweni omhlaba esithuthuka kuwo, kuningi esikuzwayo ngezamabhizinisi nokuthi zingafinyelelwa kanjani. Enye yezindlela zayo isebenza ku- Inkululeko Yezezimali okuwukuphila impilo oyifunayo ngaphandle kokusebenza futhi ngaphandle kokuncika kunoma ubani.

Iyini inkululeko yezezimali?

Inkululeko yezezimali iwukuphila neholo elanele elikuvumela ukuthi ungakhathazeki ngemali, ube nesikhathi sakho, wenze okuthandayo. Umuntu unenkululeko yezimali uma:

• Phila ngendlela ofuna ngayo
• Awudingi ukusebenza
• Unganciki ngokwezimali kunoma ubani (ubize umndeni, abangani kanye nebhange).

Inkululeko yezezimali ayifani kubo bonke abantu. Isibonelo: Kumuntu kungenzeka ukuthi uhlala eduze nolwandle unyaka wonke noma ngokuzumayo abe neholidi lamaphupho kanye ngonyaka. Kokunye kungase kube ukuhamba nokwazi amazwe amaningana futhi ukwenza kanjalo ucabangela ukuthi ngokushiya umsebenzi uyoba nesikhathi esanele sokwenza konke akufunayo.

Ukuthola inkululeko yezezimali akusho ukuthi uzoyeka ukusebenza. Ungakwenza futhi wenze amanye amaphrojekthi onawo engqondweni futhi angakunika imali. Enye yezinzuzo zalokhu ukuthi ukhululekile ukuzithathela izinqumo futhi uphathe isikhathi sakho ngendlela ofisa ngayo.

I-Paso 1

Esinye sezinyathelo zokuqala okufanele sizazi ukuze sikhululeke ngokwezezimali ukwazi. Ibiza malini indlela yokuphila oyifunayo? Ngalokhu, kuhle ukuthi ubambe ishidi nepensela futhi ubale inani lemali yenyanga noma yonyaka oyidingayo ukuze uphile ngendlela oyifunayo.

Isibonelo

Yenza uhlu olufana nalolu:

Nyanga Zonke Ngonyaka

Indlu 300 3.600

Ukudla 550 6.600

Ezempilo 140 1.680

Izingubo 220 2.640

Ezokuthutha 200 2.400

Inhlanzeko 120 1.140

Umshwalense 160 1.920

Ukuthuthukiswa 150 1.800

Amaholide 340 4.080

Okujabulisayo 280 3.360

Abanye 40 480

ingqikithi: 2.500 30.000

I-Paso 2

Kufanele uthole indlela yokukhiqiza imali engenayo eyanele yokungenzi lutho. Kulesi sinyathelo, kufanele uphenye ukuthi hlobo luni lwemali engenayo olulungele ukulwenza.

Iyini imali engenayo?

Kuwukwenza imali eyengeziwe ngaphandle kokuchitha isikhathi esiningi nomzamo. Noma vele utshale imali kokuthile okukuvumela ukuthi uqongelele inani elithile lemali futhi uphile ngenzalo ekhiqizwa yikho. Njengoba ungase uthathe isinqumo sokukhiqiza imali emithonjeni ehlukene. Isibonelo: ukuqashwa kwekhaya, ukuthengiswa kwezincwadi, ukuthengiswa kwezimoto ezisetshenzisiwe, njll.

Lezi zinhlobo zeholo zinenzuzo enkulu yokuthi zivumela umuntu ukuthi athuthukise inkululeko yezezimali futhi kancane kancane azimele eholweni lomsebenzi.

Singase sicabange ukuthi asisoze saba nenkululeko yezezimali, kodwa ngokubona amathuba esinawo namuhla ngiyazi ukuthi singawufinyelela futhi ngokushesha esisebenza kuwo, yilapho sizoyithola ngokushesha. Imininingwane iwukuba uqale futhi ungazivumeli uwe endleleni.

Izinzuzo zokuba Nenkululeko Yezezimali

• Uthola imali ngokusebenza amahora ambalwa okusebenza
• Ithuba lokuzakhela eyakho indlela yokuphila (okungukuba isisebenzi noma isisebenzi esizimele)
• Akudingeki uphendule kunoma ubani ngaphandle kwamakhasimende akho.

Izinhlobo

Kunezinhlobo ezi-3 zemali engenayo:

imali eyinsalela

Kuyimali engenayo eyenzeka ngokuhamba kwesikhathi futhi evela emsebenzini owenziwe kanye kuphela. Izibonelo: umdayisi womshwalense, umnikazi wendawo yokudlela, umxhumanisi wezokukhangisa owenza i-ebook yamasu okuthengisa futhi athole ikhomishini phakathi kwabanye.

Singakuqhathanisa nemali engenayo ephindelelayo, okuyilezo zinhlobo zemali engenayo lapho uhlala usebenza khona, njenge-consultant, umdayisi, umhleli, njll. Lapho kufanele unikele amahora namahora, usuku nosuku, isonto nesonto ukuze ukwazi ukukhokhelwa ngomsebenzi wakho. Kuzo zombili izimo, into esemqoka ukusebenzisa ibhizinisi lakho futhi uqashe abasebenzi abaningi ngomphumela wokuba nezindleko ezingashintshi kodwa ukuthula kwengqondo ebhizinisini lakho.

imali engenayo

Imali engenayo etholakalayo iyona ekuvumela ukuthi usebenzise umsebenzi wabanye abantu abakungenisa imali. Izibonelo zazo esinazo: umphathi wethimba labadayisi, umbhali we-ebook othengisa umkhiqizo wabo, usonkontileka, njll. Iholo elilinganiselwe lingase libe imali eyinsalela noma inhlanganisela yakho kokubili.

Imali Engenayo Esebenzayo

Kungenye indlela kodwa lokhu kudinga ukuhlanganyela kwakho ngqo. Kodwa kunenzuzo yokuthi uzongenisa imali eyengeziwe uma uheha abantu abaningi. Isibonelo esinaso: izifundo zokuqeqesha, amasemina, ingqungquthela noma umhlangano, i-recital noma ikhonsathi, amaphathi noma imicimbi yakusihlwa.

Isu lokukhiqiza imali engenayo 

• Dala into ongayithengisa ngaphandle kokulungiswa (indlu, izifundo, incwadi, umhlahlandlela, njll.)
• Dala ifaneli yokuheha umphakathi kumkhiqizo wakho (lapho ungasebenzisa i-facebook, sebenzisa ibhulogi phakathi kwezinye izinto)
• Nikeza isevisi encane ekhasimendeni (yize ingenzi lutho, lokho akusho ukuthi awukwazi ukusiza amakhasimende akho)

Ukubuyekezwa komkhiqizo (umkhiqizo wakho uzophelelwa yisikhathi ngesikhathi esithile, kuyindaba yokuwubuyekeza ukuze uwenze ukhange nakakhulu kumakhasimende ethu). Ezinye izinzuzo zeholo lokungenzi lutho yilezi: ukuthi le mali engenayo inika umuntu ithuba lokuqhubeka neminye imisebenzi onentshisekelo kuyo.

Isikhathi sokutshala imali okufanele usenze kulolu hlobo lomsebenzi sincane. Imali oyitholayo ungatshalwa kunoma yini oyifunayo. Njengoba lokhu kuwumsebenzi lapho oyedwa ohilelekile kuzoba nguwe futhi ngeke kudingeke ukhathazeke ngezinye izibopho ngaphandle kwezakho.

Imibono yemali engenayo ku-inthanethi

1. Okuthunyelwe okuxhasiwe ku-instagram.
2. Ukuthengisa imikhiqizo noma amasevisi ku-instagram.
3. Bhala i-ebook noma i-electronic book ukuze uyithengise ku-Amazon, google play.
4. Ukumaketha kwe-Multilevel ukuthi inkampani ikuvumela ukuthi ukhuthaze imikhiqizo yabo. Kanye nokudala inethiwekhi yakho yabasebenzi ukuze uhambisane nayo. (herbalife, amway, avon kanye ne-tupperware).
5. I-podcasting.
6. Ukuguqulwa ezenzweni.
7. Dala isiteshi se-YouTube. (ukudala amavidiyo okukhangisa, ezentengiso nokuthengisa)
8. Patreon (uyabadalela okuqukethwe).
9. Dala esakho isifundo ku-inthanethi.
10. Ukwakhiwa kwezinhlelo zokusebenza zeselula.
11. Amanxusa e-Amazon.

Uma kusafanele usebenze kanzima, akufanelekile yini ukwaba imali yakho kahle futhi ufune ukuba umuntu okhululekile ngokwezimali, futhi ukwazi ukwenza imisebenzi nezinto ezikujabulisayo? Ucabangani ngenkululeko yakho yezezimali futhi wenzani ukuze ube nayo?

Imali iwumthombo ongashi, okungukuthi, ukuthi osozigidi banemali eningi nsuku zonke akusho ukuthi kunemali encane kwabanye.

"Uma ungawasebenzeli amaphupho akho kukhona ozokuqasha ukuthi usebenzele awakhe" uSteve Jobs

Okunye esikuzwa kakhulu wukuthi kumele sibekezele futhi siyethemba ukuthi zizovela kodwa leli cala alisebenzi emalini. Uma ulokhu ulindele ukuthi ivele empilweni yakho ngomlingo ngaphandle komzamo. Uzothola kuphela izindaba ezivela kwabanye abantu abangafuni ukulinda futhi baya ingcebo yabo ukuze uzuze inkululeko yakho yezezimali.

Uzothola kuphela izindaba ezivela kwabanye abantu abangafuni ukulinda futhi baya ingcebo yabo ukuze uzuze inkululeko yakho yezezimali.

Amathiphu asebenzayo

Ukuthola Inkululeko yezezimali esiyifisa kakhulu, kubalulekile ukuthi sicabangele futhi sibhale phansi izici ezibaluleke ngempela mayelana nemali engenayo yezinsiza ephaketheni lethu. Ngokwesibonelo:

1. Kufanele sibe nesimo sengqondo sokuthatha isinyathelo.
2. Uhlale ubheka ukuthi yini ongayifaka imali ngesikhathi sakho sokuphumula.
3. Futhi uqale ibhizinisi.

Enye yezindlela zokuceba ukuyeka ukuba isisebenzi ukuze ube usomabhizinisi. Abantu balolonga ngempela izimpilo zabo ngemicabango yabo nangalokho abakukholelwayo.

Imali iwuhlobo lwesimo. Kodwa okunamandla kakhulu yimfundo yezezimali. Ngoba imali iza iphinde ihambe. Kodwa uma unemfundo yokuthi imali isebenza kanjani, futhi uthole amandla ngayo futhi ukhiqize ingcebo. Ukucabanga okuhle kukodwa akwanele, kumele ube nemfundo ukuze wazi ukuthi ungabhekana kanjani nezimo ezinzima zomnotho.

Uma ufunda izifundo zokuphila, uzokwenza kahle. Uma kungenjalo, impilo izolokhu ikuphusha. Abantu benza izinto ezimbili. Abanye bavele bavumele impilo ibaphushe. Abanye bayathukuthela bahlehle.

Ukuphila kusiyisa ezindleleni ezingaqinisekile. Abanye bayadela bengakafiki lapho. Abanye bayaqhubeka nokulwa baze bafinyelele umgomo. Abambalwa bafunda isifundo futhi baqhubeke. Uma ungasifundi isifundo, uzochitha impilo yakho usola umsebenzi wakho, iholo lakho elincane, noma umphathi wakho. Uzophila impilo yakho ulindele lelo thuba elikhulu elizoxazulula zonke izinkinga zakho futhi okungenzeka lingaze lifike, ngaphandle kokuthi ulinike ithuba.

Abantu abaningi balindele ukuthi umhlaba uguquke, ngaphandle kwabo. Kulula ukuziguqula kunokushintsha abanye.

"Abampofu nabaphakathi basebenzela imali"

"Izicebi zinemali ezisebenzela zona"

(Ubaba Ocebile Ubaba Ompofu uRobert T Kiyosaki)

Uma kuziwa endabeni yemali, abantu abaningi bafuna ukuyidlala iphephile futhi bazizwe bephephile. Ngakho akukhona ugqozi olubaholayo kodwa ukwesaba.

Kumele ufunde ukuze ube nemali ekusebenzelayo. Ukwesaba yikho okwenza abantu bahlale emisebenzini yabo. Kubize ngokuthi ukwesaba ukungabi namali eyanele, ukwesaba ukuxoshwa, ukwesaba ukungabi nemali eyanele, ukwesaba ukuqala into entsha. Ukufunda ukuba nemali ekusebenzelayo kuwukufunda impilo yakho yonke.

Naka Ibhizinisi Lakho Ukuze uvikeleke ngokwezimali, udinga ukunaka ibhizinisi lakho. Isifundo sokuqala uma usebenzela imali, unikeza umqashi wakho amandla. Uma imali yakho ikusebenzela, ubamba futhi ulawule amandla.

Izithiyo ezingaba khona

Omunye wemibuzo evame ukubuzwa yiwo wonke umuntu ukuthi impilo yakhe yansuku zonke iyithathaphi, kodwa uma abantu sebefundile baba osomabhizinisi, kusamele banqobe izithiyo ukuze bazimele ngokwezimali. Lezi izi:

1. Ukwesaba
2. Ukugxeka
3. Umbhede
4. imikhuba emibi

Ukwesaba

Udinga ukunqoba ukwesaba ukulahlekelwa imali. Imininingwane iwukuthi umuntu ukusingatha kanjani ukulahlekelwa. kanjani ukuphatha ukwehluleka, yini eyenza umehluko. Futhi lokho kusebenza kukho konke empilweni, hhayi nje imali. Kufanele sibe nesibindi futhi siyeke ukwesaba futhi siphume endaweni yethu yokunethezeka.

ukunqoba ukungabaza

Sekuwukuphelelwa wuvalo nokwazi ukuthi noma unabantu abakugxekayo noma abakutshela ukuthi ngeke ukwazi uyaqhubeka nezinhlelo zakho. Ungazivumeli ukuba uhlushwe yilokho abazokusho.

Umbhede

Inkinga namuhla ukuthi kunezigidi zabantu abazizwa benecala ngezifiso zabo. Bese bevilapha ukuqala ukuvula izindlela. Kufanele uyekele futhi uqale ukufuna izinto ezintsha.

Imikhuba emibi

Ukuphila kwethu kuwukubonakaliswa kwemikhuba yethu. Kubalulekile ukuthi sizishintshe uma sifuna imiphumela ehlukene. Uma zisithinta ekusebenzeni kobudlelwano bethu nansuku zonke, kumele sizimise.

Ukuzikhukhumeza

Uma wazi ukuthi awazi ngesihloko, qala ngokuzifundisa wena. Kubalulekile ukuthi sithembeke kithi ngokwethu futhi uma kukhona esingakwaziyo, sifune iseluleko kothile owazi ngale ndaba.

Okufanele sikwazi kuleli cala ukuthi sinesizathu esikhulu kuneqiniso. Isizathu sokuthi kungani sifuna ukuzibophezela ukuze sithole inkululeko yethu yezezimali. Okwesibili, khetha abangane bakho ngokucophelela nsuku zonke. Esinye isici esibalulekile siwukuba ngompetha ifomula eyodwa bese ufunda entsha - amandla okufunda ngokushesha. Ngamanye amazwi, qaphela okufundayo nokufunda, ngoba ingqondo yakho inamandla kangangokuthi uba yilokho okufaka ekhanda lakho.

Okwesine, zikhokhele wena kuqala; amandla okuzithiba. Uma ungenakho ukuzilawula ngeke ukwazi ukuqhubekela phambili ezinhlosweni zakho. Khokha kahle abeluleki bakho. Amandla ezeluleko ezinhle abaluleke kakhulu lapho wenza. Kudingeka amaqhawe akwenza kubukeke kulula ukutshala imali. Ukwazi ukuthi ukutshalwa kwezimali kuthenga izinto zokunethezeka, kuhle ukufuna iseluleko.

Yiba umnikeli wamaNdiya. Amandla okuthola okuthile mahhala. Lona kwakuwumkhuba owawusetshenziswa amaNdiya aseNyakatho Melika. Fundisa futhi uzowamukela amandla okupha. Uma kukhona into oyifunayo, kumele unikele kuqala, yeka okwenzayo, hlola ukuthi yini esebenzayo nengasebenzi bese ubheka imibono emisha ozoyithatha.

“Imali ingumbono nje. Uma ufuna imali eningi, vele ushintshe umqondo wakho, ”uRobert Kiyosaqui

Isihluthulelo se- inkululeko yezezimali futhi ingcebo enkulu ihlezi ekhonweni noma emandleni omuntu okuguqula imali engenayo kanye noma iphothifoliyo.

6 Imikhuba yokuzuza Inkululeko Yezezimali

Kule ngxenye ye-athikili sizochaza imikhuba eyisithupha edingekayo ukuze uthole inkululeko eshiwo ngenhla yezezimali. Lezi izi:

Yiba nomgomo ocacile wezezimali

Uma ungenazo izinhloso ezicacile, kuzoba nzima kuwe ukuthi uzifeze ngoba ngeke wazi ukuthi ubheke kuphi noma ngakuphi. Kubalulekile ukwazi ukuthi kungani ngifuna ukuzuza inkululeko yezezimali?

Lapha wonke umuntu uzoba neyakhe impendulo. Kodwa okubaluleke kakhulu ukwazi ngokucacile ukuthi uzimisele ngempela yini ukukwenza. Lapho umgomo ucacile, kuhle ukuwubhala phansi ukuze ungawukhohlwa. Ngemuva kwalokho kufanele ucabange ngenani ozolidinga ukuze ukwazi ukufinyelela umgomo wakho. Kungenzeka ukuthi izinhloso zakho zizoshintsha ngokuhamba kwesikhathi.Kubalulekile nokubeka imigomo yesikhathi esimaphakathi neyesikhathi eside.

Setha umkhathizwe wakho

Ngokuthola kwakho ukuthi kungani futhi yimalini oyidingayo ngenyanga ukuze uphumelele, kufanele ubeke isikhathi, kuhle ukuthi kube yizikhathi ezifushane kodwa ezifinyelelekayo. Lesi sikhathi singahluka kuye ngezinjongo zakho futhi zinesikhathi esifushane neside. Kungenzeka ukuthi imigomo yakho ikalwa ngeminyaka.Kungaba iminyaka emi-3 noma emi-5 ngoba ubuncane obunengqondo bokutshalwa kwezimali ukuthi buveze imiphumela.

Yabelana ngezinjongo zakho

Kuhle ukwabelana ngezinjongo zakho nabantu abaseduze kwakho ngoba bazokuphoqa ngandlela thize ukuthi uzifeze. Futhi ngikweseke ezikhathini ezidangele lapho ucabanga ukuthi ngeke usakwazi.

ube nezimali ezinempilo

Kusho ukuthini lokhu: ukuthi kufanele wazi ukuthi ungayiphatha kanjani imali yakho. Ngoba ngokukhiqiza imali entsha uzoba nenkululeko yokusebenzisa imali eyengeziwe. Kodwa uma ungazilawuli noma ungaziphathi, uzochitha konke futhi ngeke uthuthuke.

Hlela ukonga kwakho nokutshalwa kwezimali

Ngenxa yobuchwepheshe obuthuthuke kakhulu, singenza ukonga kwakho nokutshalwa kwezimali ngokuzenzakalela ngendlela elula. Hlela ukonga kwakho ngokuzenzakalelayo, okusho ukuthi siyazi ukuthi kubaluleke kangakanani ukonga nokuthi kusebenza njengesikhwama sokuvikela. Ngakho-ke ngenkathi wakha isikhwama sakho sokulondoloza imali, okuhle wukuthi wenze ukonga ngokuzenzakalelayo. Futhi ukuthi ungakwenza kanjani lokho, uzocabanga, kahle, kwanele ukwethula i-oda elihlala njalo ebhange ukuthi njalo ngenyanga idlulisela inani elithile lemali (isibonelo, i-20%) yemali engenayo esikhwameni sakho sokuphepha.

Ngale ndlela ngeke ulingeke ukuba usebenzise yonke iholo lakho. Enye into ukwenza i-investimenti yakho ibe ngokuzenzakalela lapho usuvele usisungulile isikhwama sakho sokuvikela yisikhathi esifanele sokusebenzisa imali oyitshalile. Kulula kakhulu uma unquma ukutshala imali emakethe yamasheya, ufaka i-stand order ukuze inani lidluliselwe ku-akhawunti yakho yomthengisi nyanga zonke.

Cabanga isikhathi eside

Kubaluleke kakhulu ukucabanga isikhathi eside lapho utshala imali. Futhi okungcono ulenze amafa ahlala ekhona. Ngaphakathi kwalezo zimpahla ngincoma ukuthi kube nomkhathizwe wesikhathi eside. Enye yazo yimakethe yamasheya, okuthi nakuba esikhathini esifushane inezintelezi zayo, ngokuhamba kwesikhathi iyonke inomkhuba ocacile okhuphukayo.

Ngendlela efanayo sinenketho yokutshalwa kwezimali kwezindawo ezithengiswayo, amabhizinisi aphathekayo noma aku-inthanethi asanda kuba nentuthuko emangalisayo futhi kufanele silisebenzise leli thuba ukwenza kanjalo.

Ngokusekelwe kulokhu singafingqa ukuthi elinye lamaphuzu abaluleke kakhulu ukucaca mayelana nenjongo yakho yezezimali, ngemva kwalokhu ukuba nezimali ezicacile. Funda ukutshala imali nokusebenzisa lokho okufundile. Unganciki emthonjeni owodwa kuphela wemali engenayo, shintsha ibhizinisi lakho kanye nezimali ozitshalile futhi ekugcineni uzibonakalise wena ngokuhamba kwesikhathi. Ukuze uthole umbono ungavakashela Amaphrojekthi wosomabhizinisi, isihloko esiphelele ukuze uqalise.

Okunye okumele sikunake wukuthi abantu abahola kakhulu abanayo inkululeko yezimali noma impahla. Njengoba beqhubeka nokuphila ngezindinganiso eziphakeme, ezingasekeli ukuba neholo elilodwa. Ngokungafani nabantu abanemiholo ephakathi noma ephezulu, abasebenza kanzima, abaphikelelayo, abahlelayo, abathathayo kanye/noma abatshala imali, futhi abaphila ngaphandle kokunethezeka okuningi, baqongelela imali nokuchuma. Leyo yinkululeko yezezimali.

I-denominator evamile:

1. Baphila ngaphansi kwezidingo zabo ngaphandle kokufuna ukuvela kakhulu.
2. Bahlela isikhathi sabo, amandla, imali ngendlela efanele, futhi bayaqhubeka nokukhulisa impahla yabo.
3. Babeka okubaluleke kakhulu ekuzuzeni inkululeko yezezimali kunokuhlala impilo yezinga eliphezulu emphakathini.
4. Ngesikhathi beqala umsebenzi wabo babengenalo usizo kubazali babo.
5. Izingane zakhe ezindala zizimele ngokwezimali.
6. Bayakwazi ukuncintisana futhi bayazi ukuthi bangawathola kanjani amathuba amasha emakethe.
7. Bakhethe umsebenzi wabo ofanele.

Iningi lalaba bantu ngosomabhizinisi; abanikazi bamabhizinisi nabazisebenzayo. Laba bantu bangaqhubeka nokugcina isimo sabo sempilo ngisho bengasebenzi. Bangabantu abongi futhi abathanda ukutshala imali emabhizinisini abangenza inzuzo ngawo.

Kukhona futhi izinyathelo ezimbalwa ezizokusiza ufinyelele inkululeko yezezimali, njengokugcina izindleko zingaphansi kweholo, ukonga umsebenzi oweqile, ukutshala imali eyongayo ukuze ukhiqize izinhlobo ezintsha zeholo, kanye nokuhlola amathuba amasha emali engenayo. .

Ukugcina izindleko zingaphansi kwemali engenayo. Ngazibekela umgomo wokugcina izindleko ezingaguquki zibe ncane futhi ngibele u-50% womholo wami ukuze ngiyongile kanye nokutshalwa kwezimali. Gcina ukutshalwa kwezimali kwesikhathi eside okungaguquki ngezimali zenkomba namabhange endabuko. Ukwengeza kulokhu, kufanele sihlale sibheka izindlela ezintsha zokutshala izimali ukuze kusheshiswe inqubo yokukhulula izimali.

Amazinga

Ukusinda Kwezezimali

Uma ukuleli zinga, ungomunye walabo bantu abaphila usuku nosuku, nokuthi izindleko zakho zilingana nomholo wakho. Ukuze uphumelele kuleli zinga kufanele udale umcamelo wezimo eziphuthumayo, kufanele wonge futhi utshale imali kumaphrojekthi amasha ukuze ukwazi ukunqoba leli zinga.

Ukuzinza kwezezimali

Ukuba kuleli zinga kusho ukuthi uphila impilo enethezeke kakhudlwana kunaleyo ophila ngayo usuku nosuku futhi ungakwazi ukonga kancane izehlakalo ezingalindelekile. Ngamanye amazwi, bonke abantu kufanele babe kuleli zinga elincane.

Kulesi simo, kukuvumela umkhawulo wokuxega nokuthula obungenakukuvumela ngaphambili. Ngamanye amazwi, iholo lakho lizihlanganisa ngokugcwele izindleko zakho futhi likuvumela ukuthi wonge ukuze ube nesikhwama sezimo eziphuthumayo.

Ukuphepha Kwezezimali

Kuleli zinga usuvele ukutholile ukuvikeleka ngokwezimali, iholo lakho lihlanganisa izindleko zansuku zonke futhi usunayo imajini yesikhwama sezimo eziphuthumayo. Manje kuzomele ufunde ukuthi umhlaba wezezimali usebenza kanjani ukuze ubuyekeze ukutshalwa kwezimali kwakho okungenzeka, ukuze ngale ndlela ukhiqize izinzuzo eziningi kanye nenzuzo eyengeziwe. Sengiphetha, kufanele ubheke imithombo yemali engenayo ukuze uqhubeke ukhula ngokomnotho futhi ukwazi ukufinyelela ezingeni olifisayo.

Inkululeko Yezezimali

Usuvele ukuleli zinga, usukhululekile ngokwezimali, futhi imali yakho engenayo ihlanganisa izinga lokuphila. Unesikhathi esikhona sokuzinikela kukho konke okufunayo ngaphandle kokukhathazeka ngokuthi uma ufika ekupheleni kwenyanga.

Ukuchichima Kwezezimali

Ezigabeni ezimbalwa leli zinga alikho. Uma uphila ngokuchichimayo kusho ukuthi iholo lakho lokungenzi lutho lidlula kude izindleko zakho. Kuleli zinga ungahola izinga lokuphila elihle kakhulu futhi ungenza ngisho nokutshalwa kwezimali okuyingozi ngoba uzoba nemali eningi kunalokho oyidingayo ukuze uphile. Uzokwazi ukukhokhela izinto zokunethezeka owawungakwazi ngaphambili futhi uphile ngokukhululeka, kuphela ngokusekelwe emalini yakho engenayo.

Inkululeko yezezimali ngemali engenayo engenzi lutho

Okulandelayo, ngizoncoma izindlela ezi-3 zokuthola inkululeko yezezimali ngemali engenayo engenzi lutho, njenge:

Izindlu ezithengiswayo (real estate market)

Ukutshalwa kwezimali ukuze kube nenzuzo ngempela emakethe yezindlu nezindlu kufanele kukunikeze okungenani u-10% ngonyaka.

I-Flips

Kuyini ukuthenga indlu yokuyikhanda futhi uyidayise

Izimpahla zezezimali (Imakethe yamasheya)

Isibonelo, i-share for dividends, okungukuthi inkampani ikumema ukuthi uthenge amasheya futhi ungawadayisi, uyigcine ngokuhamba kwesikhathi. Bathembisa ukukukhokhela amaphesenti otshalomali lwakho njalo ngekota ukuze ugcine isitoko.

usomabhizinisi siqu

Kuyini ukuba nebhizinisi lakho? Kufanele uthole lokho okwaziyo ngempela nokuthi unganikela kanjani emphakathini. Ukuphuma endaweni yakho yokunethezeka nokubhekana nezinselele ezintsha ubuhlakani bakho obukuphakamisela zona. Futhi ube nokuzimisela okukhulu ukuzuza lokho ohlose ukukwenza.

Izihluthulelo zokuthola Inkululeko Yezezimali

1. Cabanga ngokucophelela ukuthi ufuna impilo yakho ibe njani nokuthi kungani ufuna ukuzuza inkululeko yezezimali, ukuchazwa kwalokhu kulula ukukufeza.
2. Yonga imali lokhu kuzokusiza ezinyathelweni ezahlukene ozithathayo ukuze uthole inkululeko yezezimali. Futhi okubaluleke kakhulu lokhu kufanele kube umkhuba kuwe.
3. Khulisa iholo lakho usanomunye umsebenzi ozoziphilisa ngawo futhi awukayitholi inkululeko yezimali, zama ukwenza kangcono kulokhu okwenzayo ukuze iholo lakho linyuke.
4. Ngaso sonke isikhathi gcina izinga lakho lokuphila elifanayo ngisho noma iholo lakho likhuphuka. Kufanele siqaphele ngoba asazi ukuthi sizoyidinga yini kamuva.
5. Lawula izindleko zakho lokhu kubaluleke kakhulu ungachithi imali engaphezu kwaleyo esiyiholayo.
6. Ungangeni ezikweletini. Lokhu kusho ukuthi kungcono ukungaboleki kakhulu uze ufinyelele izinga lokuntenga kwezimali zakho.
7. Gxila kulokho okubaluleke kakhulu empilweni yakho kanye nalokho ofuna ukukuzuza. Ngakho ungagxila ekufinyeleleni imigomo yakho. Futhi uzuze inkululeko yakho yezezimali oyifunayo.
8. Faka imali kuwe. Fometha, funda, funda. Faka imali ekubeni nezinketho ezingcono ukuze uthole imali engenayo.
9. Sondela kokuhle kakhulu
10. Gwema ukukhawulela izinkolelo futhi uhlaziye ubuhlobo bakho nemali. Khipha izinto ongakwazi ukuzenza engqondweni yakho mayelana nempumelelo nemali.
11. Tshala imali yakho (ngobuhlakani) okusho ukuthi kufanele ufunde ukuthi ungayitshala kanjani ukuze iholo lakho likhule futhi liphindaphindeke.
12. Sebenza ukuze ube nempahla engenisa imali engenayo.
13. Yiba nesineke futhi ungashintshi.

Omunye umqondo okumele siwazi ukuze sikhululeke ngokwezimali ukuthi wukuba usomabhizinisi. Usomabhizinisi yilolo hlobo lomuntu onomqondo nekhono lokwenza noma ukuqala izinselelo ezintsha, ukuze adlulele kwesinye isinyathelo esisha esimvumela ukuthi akhule.

Nosomabhizinisi yilokhu okwenziwa yilo somabhizinisi ukuthi asuke ekubeni umuntu ongagculisekile emsebenzini abe umuntu onenkululeko yezimali.

Ukuze ube usomabhizinisi kufanele ube nesifiso sokusungula izinto ezintsha futhi ubeke engcupheni kuphrojekthi futhi ikakhulukazi kufanele ukholelwe kuwena, ukuthi ungawenza wonke amaphrojekthi onawo engqondweni futhi uthole indlela yokuwenza empilweni yakho.

Kuya ohlotsheni lwabantu oyikho kanye nohlobo lwephrojekthi noma ibhizinisi ofuna ukulenza, kunezinhlobo ezahlukene zosomabhizinisi. Usomabhizinisi ngamunye unombono webhizinisi ohlukile wokuthi angaholela kanjani inkampani yakhe empumelelweni.

Kubaluleke kakhulu ukuthi ngesikhathi sokudala iphrojekthi noma ibhizinisi kungokomzimba noma ku-inthanethi. Usomabhizinisi usebenzisa amakhono akhe ukuze akhe ibhizinisi elisha elimangaza abanye abantu ngokuba inketho ehlukile kulokho okusemakethe. Akuwona wonke umuntu ozimisele ukwenza futhi aphumelele.

Izici zosomabhizinisi

• Kufanele ube nesinyathelo sokuqala: usomabhizinisi kufanele abe nesinyathelo sokufeza imibono yakhe futhi ayisebenzise yize enezimo ezimelene naye. Futhi ngaphezu kwakho konke, ungesabi ukwehluleka.
• Yiba nezinsiza zokuqala ibhizinisi lakho. Kubalulekile ukuthi usomabhizinisi abe nemali ekhona yokuxhasa ngezimali iprojektha yakhe. Futhi nokuthi uma kwenzeka isimo esiphuthumayo, kufanele uxazulule isimo.
• Qaphela amathuba angase aziveze ngesikhathi esithile.
• Kubalulekile ukubekezelela ubungozi njengoba lokhu kungenzeka kakhulu ngenkathi uqala ibhizinisi.
• Kusomabhizinisi kubaluleke kakhulu ukuthi akhe futhi asungule indalo yakhe ukuze athuthukise umkhiqizo wakhe futhi awenze ukhange nakakhulu kulabo abangase babe amakhasimende akhe nsuku zonke.

Izinhloso 

1. Qala iphrojekthi yakho noma ibhizinisi.
2. Thola izinzuzo emiphumeleni.
3.  Futhi ube neholo elihle nemali engenayo.

Yini okufanele ngiyazi ukuze ngiyenze?

1. I-entrepreneurship yinqubo yokufunda lapho ungawa khona izikhathi ezimbalwa, kodwa kufanele ukwazi ukusukuma uqhubeke uzama kuze kube yilapho uthola enye indlela yokwenza izinto.

2. Kubalulekile ukuthi uzibuze ukuthi kungani uthatha isinyathelo futhi uma lesi sithembiso sizoletha inzuzo emphakathini wakini, kungcono ukuthi ungakwenzi.

3. Lalela ngokuqiniseka labo abaseduze kwakho emakethe ofuna ukungena kuyo ukuze unikeze okuthile okuhlukile kulokho abanye abakunikeza amakhasimende abo.

4. kubalulekile ukuchaza isu lesu eliyilo elikuvumela ukuthi wenze iphrojekthi yakho. Njengoba umgomo kanye nombono onawo wephrojekthi yakho nakho kubalulekile.

5. Sebenzisa wonke amathuba oza kuwena. Njengoba isisho sibonisa, uma impilo ikunikeza ulamula, yenza i-lemonade. Futhi uma ungenalo ulwazi kuleyo phrojekthi, funa iseluleko endaweni kodwa ungalahlekelwa yizo.

6. Qamba futhi ubhalise umkhiqizo wakho. Ngoba uma ibhizinisi likwazi ukunikeza imiphumela, lolo hlobo oludalile luzoba impahla yakho eyinhloko.

7. Kubalulekile ukuzungeza abantu abazi kakhulu kunawe ngendawo oqala ukuya kuyo. Njengoba lezi zingakulethela imibono ebhizinisini lakho elisha futhi kuyithuba lokukhulisa ulwazi ezindaweni ozithuthukisayo.

8. Kubalulekile ukuthi uma uqala ibhizinisi ube nosizo lomeluleki, okunguye ozokweluleka ngendlela yokwenza izinto ngesikhathi esithile. Futhi ukuthi abantu ababili abasebenzela iphrojekthi bangcono kunokuwenza wedwa futhi ngaphandle kosizo.

9. Kufanele wengeze imizwa kubhizinisi lakho. Kufanele ubeke inhliziyo nomuzwa kukho.

10. Kubalulekile ukwenza isilinganiso esilinganisiwe salokho okudingayo ukuze uqale umsebenzi, ingakanani imali okufanele ube nayo, imali engenayo kanye nezindleko ongase ube nazo. Kubalulekile ukuyenza ibe nemininingwane ngangokunokwenzeka.

11. Ungavumeli ukwesaba kulawule umdlandla wakho lapho uqala okuthile. Kuyaziwa ukuthi ukuqala ibhizinisi noma iphrojekthi kuwukungaqiniseki okuphelele. Gcina umqondo omuhle.

12. Ungakhohlwa izinhlelo nezinhloso ozichazile ukwenza umsebenzi wakho.

13. Ukukhumbula ukuthi abasebenzi bakho bangamakhasimende akho okuqala kubaluleke kakhulu. Njengoba ukuba nesisebenzi esijabule esigqugquzelekile kunikeza ithuba lokuqhubeka nokunikela kahle enkampanini.

14. Ungayeki ukuphupha. Ukwandisa ulwazi lwakho njengosomabhizinisi, vakashela ama-franchise aku-inthanethi.

Izinzuzo

• ungumphathi wakho
• Usebenza kulokho okuthanda kakhulu
• Ukubona iphrojekthi yakho izalwa ngo-0 kuyenza ijabulise kakhulu ngoba iphrojekthi yakho, inkampani yakho, ibhizinisi lakho.
• Khulisa kakhulu iholo lakho. Kuzofika isikhathi lapho umholo wakho umkhulu kunalowo obungawuthola njengesisebenzi.
• Unamandla okuphatha isikhathi sakho ngendlela othanda ngayo. Ngaphandle kokuyeka ukugada inkampani yakho kodwa uzoba nabantu abazokusiza ekwenzeni ibhizinisi lakho liqhube noma ungekho.
• Uwena okhetha abasebenzi bakho, kungamandla akho ukuthola abangcono kakhulu endaweni yangakini ukuze bakusize uthuthukise ibhizinisi lakho.
• Ufaka isandla ekuthuthukiseni imvelo. Njengoba kuyilokho ukuqala kuzosiza umphakathi ngandlela thize.

Kubalulekile ukugcizelela ukuthi impumelelo yenkampani izoncika kuwe kuphela, isimo sakho sengqondo sokuthatha, ulwazi endaweni onayo, uhlobo lwebhizinisi, uhlelo lwakho lokumaketha kanye nenkululeko yakho yezezimali.

Esinye isici esibalulekile sokuba nenkululeko yezezimali futhi ungangeni emzamweni ukwazi ukonga ngendlela efanele. Futhi yini ukwazi ukonga ngendlela efanele, sizokunikeza amathiphu:

• Hlala ufunda amanani emali engenayo yezindleko onazo. futhi ukusuka lapho ubale isikhathi esingase sikuthathe ukufeza izinhloso zakho.
• Lungiselela ibhajethi lapho uhlela khona iholo lakho kanye nezindleko.
• Sebenzisa ubuchwepheshe esinabo namuhla ukuze ulawule ukonga kwakho (futhi uhlale unesabelomali sakho eduze).
• Qhathanisa amanani okonga, uma uya endaweni ungathengi ngokushesha, qala uqhathanise izinketho onazo.
• hlukanisa izindleko zonyaka, ukuze wazi ukuthi uzokwabela malini emcabangweni ngamunye.
• Kubalulekile ukuthi sibe nezimali eziphuthumayo uma kwenzeka kuba nenhlekelele futhi singazaba.
• Qaphela ukuthi ungathathwa izithembiso ezidukisayo. (sebenzisa izikhathi zokuthengisa)
• Ukwenza uhambo kusengaphambili, ukwenza uhambo kuhilela izindleko ezinkulu kodwa uma uhlela ngesikhathi, ngeke kuholele ohambweni olubiza kakhulu.
• Ukuhamba ngenkampani nakho kuyindlela yokonga ngenxa yezindleko zokwabelana.
• Futhi ukungachithi imali ngokuphoqelela kubaluleke kakhulu, uma ungenaso isidingo esiqinile, ungakwenzi.

Izimpahla ezibaluleke kakhulu zokuba nenkululeko yezezimali. Izimpahla zezimali yilezo zinsiza umnikazi webhizinisi okufanele enze imali.

Izici zempahla yezezimali 

Izimpahla zezimali ziyingxenye ebalulekile yomnotho wethu futhi zisetshenziselwa ukwenza imisebenzi yezomnotho eyahlukene.

Inzuzo:

Okungeyona into engaphezu kobudlelwano phakathi kwezinzuzo zokusebenza kanye nokutshalwa kwezimali okwenzile ukukufeza.

Ubungozi:

Okungeyona into engaphezu kokuthi kungenzeka ukuthi le mpahla ngokuzumayo ayinakho ukwamukelwa obukucabanga ekuqaleni.

Ubungozi

Kuyikhono lempahla ukuthi iguqulwe ibe yimali.

Impahla yezezimali enenzuzo kakhulu yokuthola imali engenayo

Okwamanje ezidume kakhulu yilezi:

Ukutshala imali kuma-cryptocurrencies

I-Cryptocurrencies okwamanje ingezinye ezidume kakhulu. Njengoba ukwanda kwayo okunamandla kwenzuzo yokufuna ukutshala kukhulu. Kodwa-ke, amanye ama-cryptocurrencies azinzile kakhulu, angakwenza uzuze imali eningi noma, ngokuphambene nalokho, ulahlekelwe yikho konke.

Okubalulekile ukuthi uma unquma ukutshala imali kulolu hlobo lwempahla, wazi isikhathi esifanele sokuyithenga futhi ulinde isikhathi esifanele sokuyithengisa.

Izinhlobo zama-cryptocurrencies:

I-Bitcoin iyi-cryptocurrency ehamba phambili. Le cryptocurrency yavela obala ngo-2009 njengohlobo lwemali yokuqala yedijithali emlandweni. Futhi ingenye esetshenziswa kakhulu ngabasebenzisi.

I-Litecoin iyindawo yesibili njengoba ithathwa njengenye indlela engcono kakhulu yokukhetha i-bitcoin. Umehluko phakathi kwakho kokubili ukuthi inenani eliphansi futhi ngokuvamile ihluka phakathi kwamadola angu-2 no-3.

I-Primecoin ingenye yama-cryptocurrencies asetshenziswa kakhulu. Umehluko ogqamayo kwezinye ukuthi uhlelo lwayo lusekelwe ezinombolweni eziyinhloko. Futhi ishesha kuneBitcoin. Ngoba ijubane layo liphindwe ka-8 noma ka-0 kunangaphambili. Okubi yinani layo eliphansi emakethe elingamadola angu-10 ngeyunithi ngayinye.

I-Namecoin ingenye yama-cryptocurrencies asetshenziswa kancane kakhulu njengoba isetshenziselwa ukwakha amakheli ebhizinisi. Lapho zidaliwe, zidayiselwa abantu abathakazelayo. Iwutshalomali oluhle kakhulu lwesikhathi eside nakuba inani layo lingamadola angu-0,5.

I-Ripple ukusebenza kwale cryptocurrency iyafana neyokuqala njengoba konke ukuthengiselana kwayo kwenziwa ngesikhathi sangempela futhi kuyashesha kakhulu. Ubuhle bayo ukuthi inohlelo lwayo lokushintshisana ngemali.

I-Dogecoin kulolu hlelo i-cryptocurrency yi-Litecoin. Inzuzo yakho ukuthi isistimu yakho isuka kumabhulokhi asheshayo ngomzuzu. Ngenxa yalokhu ikwazi ukwenza imisebenzi engama-40.000 yansuku zonke. Futhi inani layo licishe libe ngamadola angu-0.00015 ngeyunithi ngayinye.

I-Ethereum le sistimu igxumele emakethe njengendlela yokuthuthukisa i-bitcoin. Kuyo ungenza inani elikhulu lokuthengiselana.

I-Dash iyi-cryptocurrency yamahhala namuhla, njengoba ukuthengiselana kwayo kwenziwa esidlangalaleni. Okwamanje inani layo liphakathi kwamadola angu-20 nama-23, umehluko kuphela ukuthi ukuze ube yingxenye yesistimu kufanele utshale ubuncane bedeshi engu-1000.

https://www.youtube.com/watch?v=87oeRrFCo5M

Izinzuzo kanye nokubi kwe-cryptocurrencies:

Ventajas:

• Izinhlobo zemali zomhlaba wonke ezingalawulwa yinoma yisiphi isikhungo sikahulumeni.
• Aphephile, akunakwenzeka ukuwaqamba amanga noma ukuwaphinda.
• Amanye ama-cryptocurrencies awashintshile
• Imisebenzi yakho ayinakuhlehliswa
• Ziyashesha.
• Asobala. Njengoba konke ukuthengiselana okwenziwe yiBlockchain kusesidlangalaleni.

Izinkinga:

• Kungenzeka ukulahlekelwa imali. Njengoba uma belahlekelwa ukhiye oyimfihlo wokufinyelela isikhwama semali, ulahlekelwa yimali obunayo kuyo.
• Izinguquko kanye nokuntuleka kokulawula. Njengamanje basebenza ngazo.
• Kusenokungathembani kwabangase bakwazi ukuyisebenzisa.

Ngenxa yokwanda kwe-cryptocurrencies okube nakho emhlabeni. Kubikezelwa ukuthi kule minyaka eyishumi ka-2020 ukwanda kwabantu abangabanikazi nabasebenzisa i-cryptocurrencies kuzoqhubeka.

Ukutshalwa kwezimali ezimakethe zamasheya

Amasheya ayimpahla yokuqala yezezimali emele ingxenye yenhloko-dolobha, lapho enikeza khona amalungelo okuba abatshalizimali babambe iqhaza. Kuye ngokuguquguquka kwenani lenkampani, abatshalizimali bazothola inzuzo noma ukulahlekelwa.

Ventajas:

• Angamathuba okutshala imali angakha inzuzo.
• Uma utshala imali ezimakethe zamasheya kuba nzima ukuthi utshalomali luphele.
• Inikeza amathuba amaningi okutshala imali ahambisana nezidingo zakho. Kwaziwa njengamathuluzi okutshala imali.
• Umtshali-zimali unethuba lokukhetha ithuluzi elimfanele kakhulu.
• Kungenxa yokuthi ivumela umtshali-zimali ukuthi abone ithuba langempela emakethe ngamathuba okukhula futhi ngaphandle kokwazi igatsha lokungena.
• Abatshalizimali ezimakethe zamasheya yibona abavumela inkampani ukuthi ikhule kwazise yibona abafaka imali ukuze iphumelele.
• Ukutshala imali akudingeki ukuthi uqaphele ukutshalwa kwezimali okwenziwe, ngoba kuthatha isikhathi esiphusile ukuthi inyuse inani layo.

Izinkinga:

• Okunye okubi wukuthi kumele ukhethe isikhathi esifanele sokutshala imali kuso, yingakho bethi kuhle ukufunda inkomba yesitoko.
• Ukuze ube nemali kuthatha iminyaka emi-3 noma emi-5, kusho ukuthi ngaleso sikhathi ngeke ukwazi ukuyisebenzisa.
• Uma utshala imali ezimakethe zamasheya kungenzeka ukuthi ube nokulahlekelwa kwezomnotho esikhathini esifushane (kodwa lokho akufanele kukwesabise).
• Izinhlobo ezahlukene zezimpahla zezimali zingaphansi kokuntengantenga kwemakethe yokushintshisana.
• Enye ingozi ukuthi njengoba lolu hlobo lokutshalwa kwezimali lubuye luncike ekuhlinzekeni nasekufuneni kwemakethe, kungenzeka ukuthi ulahlekelwe ngesikhathi esithile.
• Kunengozi ye-liquidity ukuthi ngesikhathi uyomaketha impahla abekho abathengi.
• Amasheya awanakho ukuvuthwa kwesikhashana.

Izinhlobo zezibambiso:

• Izikweletu zokushintshisana.
• Amasheke.
• Amanothi esithembiso.
• Izikweletu.
• Ama-bond
• Amakhredithi e-mortgage.
• Izenzo
• Izincwadi eziyigugu.

I-15 yezimakethe zamasheya ezihamba phambili

1. I-New York Stock Exchange eNew York.
2. Imakethe yamasheya yaseNasdaq isebenza eNew York.
3. ILondon Stock Exchange eNgilandi.
4. I-Tokyo Stock Exchange e-Japan
5. I-Shanghai Stock Exchange e-China.
6. I-Hong Kong Stock Exchange e-Hong Kong.
7. I-Euronext itholakala kulo lonke elaseYurophu (eFrance, ePortugal, eNetherlands naseBelgium).
8. I-Shenzhen Stock Exchange e-China.
9. I-TMX Group Canadian Stock Exchange.
10. Deutsche Börse German stock exchange.
11. I-Bombay Stock Exchange e-India.
12. I-National Stock Exchange yaseNdiya.
13. SIX Swiss Exchange Zurich stock exchange.
14. I-Australian Securities Exchange e-Australia.
15. I-Korea Stock Exchange eNingizimu Korea.

Ngenxa yalokho okwenzeka emhlabeni namuhla, njengobhubhane lwe-Covid-19. Lapho izigidi zabantu seziphelelwe yimisebenzi. Lo bhubhane udale isidingo sezinhlobo ezintsha zemisebenzi okwakungakaze kucatshangwe ukuthi iyadingeka ngaphambili.

Njengesibonelo, yilezi: Ama-Contact Tracers, Abahloli be-Covid-19, Abanakekeli Be-Covid-19, Abahloli okuyilabo bantu abasebenza njengezihlungi Ezikhumulweni Zezindiza, Izindawo zokudlela, Izikole Nezinkampani. Izikhulu zomthetho okuyizona ezibhekelele ukuncishiswa komphakathi. Abakhiqizi bezifaki zesikrini okuyibo abahlukanisa isikhungo ngezihlangu ze-plexiglass. Abathengisi bemaski, ochwepheshe abasekela i-zoom.

Lokhu kukhombisa ukuthi kunoma yiziphi izimo kukhona amathuba enkululeko yezezimali, kusala kuphela ukuthi umuntu ahlole izidingo zendawo othuthuke kuyo ukuze uthole ithuba lapho ungangena khona futhi uzuze inkululeko yakho yezezimali oyifisayo.

Izinkampani ezinjenge-Amazon, i-Costco, i-Walmart noma i-Domino's Pizza zicela abasebenzi ukuthi baphendule esidingweni esikhulu semikhiqizo eku-inthanethi.

Ngenxa yobhubhane lwe-Covid-19, imakethe yezabasebenzi iyashintsha futhi kunamathuba angapheli okungena kuyo futhi sizuze ukuzimela kwezomnotho sonke ebesikufisa.

Kuphela njengoba sesike sasho, kumele sivule amehlo ukuze sibone amathuba esiwatholayo futhi sibe nesibindi, mhlawumbe ngenxa yokuthi ayaziwa indawo, kodwa silandela lezi zindlela esike sazibalula. Ukungena emakethe ngendlela ephephile nokuqinisekisa impumelelo. Nokufika kwenkululeko yakho yezezimali.

Enye indlela ongakhetha ngayo ukuze uthole inkululeko yakho yezezimali ukungena emhlabeni wokuhweba. Ukuze uhwebe udinga izici ezithile:

• Kudinga ukugxilisa ingqondo kakhulu, ukulawula imizwelo, ukubekezela nokuziphatha.
• Lokhu kungenziwa bukhoma noma kuphi, njengoba lokhu kuqhutshwa ngekhompyutha.
• Ukuze ufunde ngale ndaba kunconywa ukucwaninga nokufunda okuningi.
• Udinga kuphela uxhumano lwe-inthanethi ukuze usebenze. Futhi ungakwenza noma yikuphi emhlabeni.
• Elinye iphuzu ukuthi uzibekela wena isimiso sakho.

Ukuhweba kuyindlela eguquguqukayo kakhulu. Ungayimisa ukuthi ihambisane nawe futhi ufunda futhi uqeqeshe. Inkululeko yezezimali iqala ngokwenza imali ngezindlela ezahlukene ukuze uqale ukuzuza impahla.

Izinzuzo Zokuhweba

• Kungenxa yokuthi uyakwazi ukulawula indlela osebenza ngayo, amasu, ukuthuthukiswa kwamakhono akho kanye nokuthuthukiswa kwamakhono akho emakethe.
• Akudingeki ukuthi ugcine uhlelo, imininingwane inquma ukuthi uzosebenza ngasiphi isikhathi sosuku nokuthi isikhathi esingakanani sosuku.
• Kuba lula ngokuhamba kwesikhathi futhi izinzuzo zakho zingaba phezulu kakhulu.

Ububi bokuhweba

• Kuwukuthi kule ndawo imizwa eminingi iphathwa futhi kuzodingeka uyilawule futhi uyisebenzise kahle.
• Awekho amaholo uma ukwenza ngokugcwele. Kodwa uma uwenza ngokushintshana nomunye umsebenzi ungakhanga.
• Ukuphatha ulwazi lwemakethe kunokwehla nokwenyuka kwakho. Futhi umhwebi kufanele anamathele ohlelweni futhi aqhubeke nokuhlola ulwazi olusha olufika ngesikhathi salo.

Sengiphetha, ukuhweba kuyinqubo yokuthenga nokudayisa impahla ukuze uyithengise ngentengo ephezulu noma ukuyithengisa ukuze uyithenge futhi ngentengo ephansi futhi ukwenze njengokutshalwa kwezimali.

Izinhlobo 

• Ukuhweba ngosuku yilapho umtshali-zimali evula futhi evala ukuhweba phakathi nosuku olufanayo lokuhweba.
• I-Scalping yilapho umtshali-zimali esebenza ngezikhathi ezimfushane usuku lonke ngemisebenzi engathatha imizuzwana.
• Ukuhweba nge-Swing kungenye lapho imisebenzi ishiywa ivuliwe ekupheleni kosuku futhi ngokuvamile inesikhathi esiyizinsuku eziyishumi.
• Ukuhweba okuthrendayo noma okuqondisiwe akunamkhawulo wesikhathi futhi kuhlanganisa ukuthatha izikhundla emakethe ngokuvuna inkambiso.

Izidingo zohlelo lwakho lokusebenza

1. Iba nekhompyutha yomuntu siqu okungcono kakhulu kunekhompuyutha ephathekayo futhi ube noxhumano lwe-inthanethi.
2. Qasha umthengisi ohlinzeka ngenkundla yokuhweba.

Umthengisi ngumuntu oyedwa noma inkampani ehlela ukuthenga nokudayiswa emikhakheni ethile futhi ngokushintshana kukhokhise ikhomishini lapho umsebenzi sewenziwe. Kungakho kubaluleke kakhulu uma ungena kule nto yokuhweba ukuthi uphenye umthengisi ozosebenza naye.

»Imfihlo yokuphumelela ngokombono wokuhweba iwukuba nokoma okungapheli, okungapheli kanye nokunganeliseki kolwazi nolwazi» Paul Tudor Jones. Ukuze wenze uhwebo oluhle kuyadingeka ukuthi ube nolwazi oluthile mayelana:

• Ukuhlaziywa kobuchwepheshe.
• Ukuhlaziya okuyisisekelo.
• Ulwazi olujulile lwemakethe.
• i-psychotrandig
• Ulwazi lokuphathwa kwezimali (ukuphatha imali)
• Kodwa ngaphezu kwakho konke, gcina ukuqeqeshwa okuqhubekayo.

Ake sikhulume ngemakethe ye-forex, eyaziwa nangokuthi i-FX noma i-exchange exchange, iwukushintshaniswa kwezimali ngomunye ngentengo okuvunyelwene ngayo. Lena imakethe lapho zonke izimali zomhlaba zihwebelana, lapho ukusebenza kwazo kushesha futhi kushibhile. Futhi aqedwa ngaphandle kwesidingo somphathi.

I-Forex iyimakethe edayiswayo emhlabeni jikelele lapho ivulwa khona amahora angama-24 ngosuku, izinsuku ezinhlanu ngesonto.

izinkundla zokuhweba

• I-XTB
• Etoro
• I-Avatrade
• UDarwinex
• 24option
• Plus500
• IQ option
• Pepperstone

Enye yezinkundla ezinhle kakhulu zokuhweba ze-forex zabaqalayo ngokuba nesixhumi esibonakalayo esinobungane, inketho yokuqala yi-Etoro.

Ukuzuza inkululeko yezezimali ngokuhweba kuwumgwaqo omude futhi onzima ngaphezu kwalokho esingakucabanga, kodwa uma ungaguquguquki ekuhwebeni lokho kungenye yamaphuzu amakhulu anqumayo ngoba abantu bayakhathala futhi bakushiye.

Kodwa njenganoma yimuphi usomabhizinisi lapho enza inkululeko yezezimali, umhwebi ukuze azuze impumelelo kufanele aqiniseke nganoma yisiphi isenzakalo esingalindelekile. Okusho ukuthi ingxenye ebalulekile yempumelelo yayo wukuhlela osuke ube nakho ngaphambi kwezigameko ezingalindelekile ezenzekayo nezingenzeka, kodwa uma uhlela ngendlela, ungaphuma kukho ngoba ubuvele unesamba obuhlelelwe lolu hlobo lwesimo ngaphandle kokupheza. zihlukanise ikhanda.

Ngemuva kokufunda okuningi ngenkululeko yezezimali, ungafinyelela esiphethweni sokuthi ukuze ube nayo kufanele utshale kukho konke okufaka imali ephaketheni lakho. Isibonelo nje imoto iyisikweletu ngoba udinga ukuthenga uphethiloli, ukhokhele umshwalense nokuwulungisa. Into eyenziwa yimoto ikhipha imali ephaketheni lakho ingafaki lutho. Ngakolunye uhlangothi, uma sisebenzisa yona le moto ukuthutha izinto ukuze sithole imali, iba yimpahla.

Ngamanye amazwi, sebenzisa yonke into efaka imali ephaketheni lakho futhi ungenzi yonke into ekhipha imali ephaketheni lakho. Endabeni yendlu ohlala kuyo, kuwena kuyisibopho njengoba uhlala kuyo, ukhokhela ukufudumeza, amandla kanye nokulungisa kabusha, kodwa uma usebenzisa leyo ndlu ukuqasha futhi lezo zinkokhelo zenyanga ziphezulu kunezindleko ezikhiqizwa yona, iyimpahla .

Ungazi kanjani ukuthi nginempahla nezikweletu kulula, uma uxoshiwe futhi ungaholi iholo elingenisa imali engenayo, awunayo impahla. Kodwa lokho akusho ukuthi akufanele ube nomuzi, imoto, umakhalekhukhwini nekhompyutha. Yebo udinga zonke lezi ukuze ukwazi ukuphila kodwa uma uwuqonda umqondo wezimpahla nezikweletu uzoqonda ukuthi imali yakho ivelaphi.

Njengoba kubaluleke kakhulu ukwazi ukuthi imali yakho izotshalwa kuphi, kuyisinyathelo sokuqala sokukhiqiza imali engenayo.

Ake sithi une $30.000 futhi ufuna ukuthenga iloli elisha, unezinto ezimbili ongakhetha kuzo, eyokuqala ukuthenga iloli futhi okwesibili ukuthenga indlu lapho ongayisebenzisa khona ngokuyiqashisa ukuze bakhiqize u-$ 200 ngenyanga futhi basebenzise le mali. ngenkokhelo yanyanga zonke yeToyota. Abacebile baqale batshale izimpahla bese besebenzisa le mali ezikweletini.

Yini engifuna ukukutshela yona ngalokhu, akekho umuntu oneqiniso eliphelele lokuthi ukhululeka kanjani ngokwezimali nokuthi yini okufanele uyenze ukuze ukwenze. Esingakutshela khona ukuthi lena yinqubo efana nakho konke okunye okuthatha isikhathi ukucwebezela futhi kufanele ulandele uchungechunge lwezinyathelo ukuze uzifeze. Ukuthi mhlawumbe kufanele ushiye imikhuba ethile enganconyelwe ukufeza umgomo wakho. Ukuthi kuzomele bafunde ngokucophelela lapho uzotshala khona.

Ukuze kwenzeke izenzakalo ezingalindelekile endleleni, okwenza ucabange ukuthi lokhu akukona okwami. Okubalulekile ukugcina isimo sengqondo esihle kuzo zonke izimo ukuthi akuyona yonke into elula, ukuthi ngezinye izikhathi izinto zithatha isikhathi.

Kodwa lokho akusho ukuthi awuzange ukuzuze, kunalokho lokhu kufanele kukugcwalise ngokuziqhenya ngoba phezu kwezimo ozithola ukuzo, unesifiso sokwenza okuthile okuhlukile kuwena nabanye. Ukuthi kufanele singaguquki emigomweni yethu, singazivumeli ukuba sithonywe yilokho abazokusho noma lokho abanye abakucabangayo. Nguwe kuphela owazi konke osukwenzile ukuze ufinyelele leso sikhathi okudala silindelwe esokuba nenkululeko yezezimali.

Kubalulekile ukuthi wazi ukuthi kunolwazi oluningi kakhulu ngendaba ongayihlola ukuze wandise ulwazi ngendaba, ngaphandle kokuthi lukhulu kakhulu futhi konke kubaluleke kakhulu ukuthi ukwazi ukuze ukwazi ukusizakala kangcono. yona.

Kodwa uma unquma ukukwenza, kubalulekile ukwazi ukuthi konke okushiwo yizincwadi akulona iqiniso 100%. Futhi ukuthi akuthina sonke esizokhonzwa ngamasu afanayo nabanye. Ukuthi lokhu kuyisivivinyo sokuzama nephutha ukuze uzithuthukise ocingweni lwezamabhizinisi futhi uzuze ngokuhamba kwesikhathi lokho okufuna kakhulu.

Futhi ngokuphazima kweso ngeke uzuze inkululeko yakho yezezimali. Lokho kunenqubo kusukela lapho udala umbono engqondweni yakho uze uwenze futhi kukunikeza imiphumela.

Lokho kusho ukuthi kudinga isineke kancane ohlangothini lwakho, okuyinto ngezinye izikhathi ezinzima ngoba ngokushesha kuyingxenye yosuku. Kodwa kulezi zimo kubalulekile ukuhamba igxathu negxathu ukuze ugweme amaphutha nezithiyo ezingadala ukulahlekelwa yimali.

Kusukela kwezamabhizinisi futhi okufanele sitshale kukho ukuze sisebenzise imali yethu osukwini lwethu nosuku. Futhi kanjalo sithole inzuzo eyengeziwe esivumela ukuba sibe nokuphila esaneliseka ngakho futhi isikhathi sethu siwumgomo wethu oyinhloko. Ukuqhubeka nokwenza ezinye izinto ezisigcwalisayo (zibize ngokuthi umndeni, ukufunda, ukuhamba, njll.)