Wonke umuntu, njengoba uyazi, ungum smith wenjabulo yakhe. Okufanayo kungashiwo ngenhlalakahle, emva kwakho konke, abantu abanengqondo ebusheni babo abakucabangi nje ukuthi bangasindisa kanjani ingxenye yengeniso yabo, kodwa futhi ukuthi bayotshayela kuphi ukusebenza. Kule ndlela kuphela ongakwandisa ngempela imali yakho.
Kungani ungeke ukwazi ukugcina imali "ngaphansi komshini"?
Ngaphambi kokuxazulula inkinga lapho ungatshala khona imali ukuze usebenze, ake sibone ukuthi kungani kubalulekile ukuthi sikwenze.
Kukhona into enjenge-inflation. Ungakhathazeki futhi ukhumbule imigomo ehlukahlukene yezomnotho, nje uqonde ukuthi njalo ngonyaka imali iyancipha. Ukuze uqaphele lokhu kulula, khumbula, ngonyaka odlule ku-X imali ungathola okuningi kwemikhiqizo efanayo kunamanje.
Ukuthi ukwehla kwamandla emali kungesizathu sokuthi imali elandelwayo ayikwazi ukugcinwa ekhaya, kumele ifakwe imali.
Kukuphi ukutshalwa kwezimali okufanele ukusebenza?
Manje ake sibheke umbuzo ngokuthi ngabe yindlela kuphela enokwethenjelwa, enokwethenjelwa yokwandisa inani eliqoqiwe. Ochwepheshe bathi, okokuqala, namuhla akukho indlela ephephile ngokuphelele yokukhuphula kuphela, kodwa futhi ugcine izindleko. Ibhange lingashisa "ngokushisa", ncamashi, njengohlelo lonke, amasheya kanye nezinye izibambiso eziwa, futhi igolide nefa langempela liyanciphisa.
Okwesibili, kubalulekile ukuqonda ukuthi isifunda ngasinye sinokuzikhethela kwayo futhi kufanele sikhishwe lapho sikhetha indlela yokwandisa inani elilandelwe. "Iwukuphela kweqiniso" indlela engekho. Kodwa nokho kungenzeka futhi kuyadingeka ukubheka izinketho ezahlukene, ngoba namuhla yindlela kuphela yokungalahlekelwa yizikweletu ezitholiwe futhi ungawavumeli ukuba ahlaziye ngaphansi kwe-inflation.
Kukuphi ukutshala imali encane ukuze basebenze?
Iningi labachwepheshe batusa ukuthi uma unesibambiso semali encane, vula i-akhawunti yasebhange ngethuba lokugcwalisa kabusha. Okokuqala, ngakho-ke ungakwazi njalo ukwandisa inani elihlehlisiwe ngokwenza imali futhi. Okwesibili, izinga lesithakazelo olunikezwa yibhange lizokwenza kancane kancane ukunciphisa umphumela wokulimaza kwamandla emali.
Yiqiniso, ukuphepha ngokuphelele imali futhi ukwandisa kakhulu inani ngenxa yenzalo ngeke isebenze. Kodwa ungaqala ngalokhu.
Uzofaka kuphi imali yokusebenza?
Ngemuva kokuthi inani le-akhawunti likhula ngokuphawulekayo, ungahlukanisa libe yizingxenye ezimbili, hhayi ukuthi lilingana, okunye okuzotshala ekuthengeni amasheya kanye nezikhwama zomphakathi, bese ushiya owesibili njengomshuwalense.
Izindleko ziletha imali engaphezulu. Kodwa ngesikhathi esifanayo kunengozi ukuthi amasheya athengwe azowela emanani. Ngalokhu, ngakolunye uhlangothi, hhayi ukulahlekelwa ithuba lokuthola imali, futhi ngakolunye uhlangothi, ungalahlekelwa yiyo yonke into uma kwenzeka ukwehluleka, futhi kufanele uhlukanise ukugcinwa kwezingxenye ezimbili.
Kunezinye izindlela eziningana
Okwesibili, ungakwazi futhi kufanele utshale izimpahla. Phela, emashumini eminyaka amuva nje kuye kwanda ngamanani, okusho ukuthi kusasa kungathengiswa kakhulu. Futhi imali yokuqasha indawo ingabhekwa njengenzuzo engenayo. Ngandlela-thile, ochwepheshe abaningi, bacabangela izinto zangempela zanamuhla, bakholelwa ukuthi ukutshala izimali ekuthengeni izindlu kanye nezinye izakhiwo kuyindlela ephephile kakhulu yokwandisa imali.