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Ukuzinza Kwezezimali Emhlabeni Oshintsha Njalo

Ibhalwe ngu Mohsen in General, Ibhizinisi Lokuthengisa Ku-inthanethi, Ukuthuthukisa Ibhizinisi Eliku-inthanethi, Ibhizinisi le-Travel Club on December 16, 2023

Incazelo Yokuzinza Kwezezimali

Ukuzinza kwezezimali kusho isimo noma isimo lapho a uhlelo lwezezimali, njengaleyo yezwe noma yenhlangano, iqinile, iqinile, futhi ikwazi ukumelana nokushaqeka nokuphazamiseka kwezomnotho kuyilapho iqhubeka nokusebenza ngokushelela. Kubonakala ngamandla okugcina impilo yonke nokuzinza kohlelo lwezezimali, oluhlanganisa amabhange, izimakethe zezimali, nezinye izikhungo ezibalulekile. Ukuzinza kwezezimali kubalulekile enhlalakahleni yomnotho kanye nokuzethemba kwabantu, amabhizinisi kanye nabatshalizimali.

Incazelo Yokusimama Kwezezimali Ngamunye

Ukuzinza komuntu ngamunye kwezezimali kusho inhlalakahle yezezimali nokuvikeleka komuntu noma komuzi. Kusho ukuthi umuntu noma umndeni unezinsiza zezimali, ukonga, kanye nemikhuba yezezimali edingekayo ukuze uhlangabezane nezidingo nezibopho zabo zezezimali zamanje nezesikhathi esizayo ngaphandle kokubhekana nengcindezi engadingekile, ubunzima, noma ukuthembela esikweletini esiningi. Ukuzuza nokugcina ukuzinza kwezezimali komuntu ngamunye kuwumgomo oyinhloko kubantu abaningi, njengoba kunikeza umuzwa wokulondeka ngokwezimali nokuthula kwengqondo. Nazi ezinye izici ezibalulekile nezici ezihlobene nokuzinza komuntu ngamunye kwezezimali:

Iholo kanye Nokuqashwa:

Ukuba nomthombo oqinile weholo, kungakhathaliseki ukuthi uvela emsebenzini, ibhizinisi, utshalomali, noma eminye imithombo, kuyisisekelo ekuzinzeni kwezezimali. Imali engenayo engashintshi futhi eyanele isiza ukukhokhela izindleko zansuku zonke futhi yongele ikusasa.

Ubhajethi kanye nokuchitha:

Ukuhlelwa kwesabelomali okusebenzayo kuhilela ukwakha uhlelo lwezezimali olunikeza imali engenayo ukuze ibhekane nezindleko ezibalulekile (isb., izindlu, izinsiza, igrosa) kuyilapho futhi kuvunyelwa ukonga nokusebenzisa imali ngokubona. Imikhuba emihle yokusebenzisa imali isiza ekuqinisekiseni ukuthi izindleko azidluli imali engenayo.

Ukonga Okuphuthumayo:

Ukugcina isikhwama sezimo eziphuthumayo kuyisici esibalulekile sokusimama kwezimali komuntu ngamunye. Lesi sikhwama sisebenza njengesikhwama sezimali sokukhokhela izindleko ezingalindelekile njengezikweletu zezokwelapha, ukukhanda izimoto, noma ukulahlekelwa umsebenzi ngaphandle kokuphendukela esikweletini esinenzalo enkulu.

Ukuphathwa Kwezikweletu:

Abantu abalwela ukuzinza kwezezimali kufanele balawule futhi behlise izikweletu zabo ngokuzibophezela. Izikweletu ezinenzalo enkulu, njengesikweletu sekhadi lesikweletu, zingaba isithiyo esibalulekile ekufinyeleleni ukuzinza.

Ukonga Nokutshalwa Kwezimali:

Ukwakha ukonga nokwenza ukutshalwa kwezimali okuhlakaniphile kungasiza abantu ngabanye ukuthi bakhulise ingcebo yabo ngokuhamba kwesikhathi. Ukonga kungasetshenziselwa izinjongo zesikhathi esifushane (isb., amaholide) kanye nezinjongo zesikhathi eside (isb., umhlalaphansi).

Ukuhlinzekwa komshwalense:

Umshwalense owanele, ohlanganisa umshuwalense wezempilo, umshuwalense wokuphila, nomshuwalense wendawo, ungavikela abantu ngabanye nemikhaya ezinhlekeleleni zezezimali uma kwenzeka kuba nezenzakalo ezingalindelekile.

Ukuhlela Umhlalaphansi:

Ukuhlelela umhlalaphansi kuyisici esibalulekile sokusimama kwezezimali. Ukonga nokutshala imali yomhlalaphansi kuqinisekisa ukuthi abantu bangakwazi ukulondoloza indlela yabo yokuphila abayifisayo ngemva kokuyeka ukusebenza.

Imfundo Nezezimali:

Ukuqonda imiqondo yezezimali, njengokwenza ibhajethi, ukutshala izimali, nokuphatha isikweletu, kubalulekile ekwenzeni izinqumo zezezimali unolwazi nokuzuza uzinzo.

Ukuhlela intela:

Ukuhlelela intela okusebenzayo kungasiza abantu ngabanye ukuthi bakhulise imali yabo engenayo yangemva kwentela futhi banciphise izikweletu zentela ezingadingekile.

Imigomo Yezezimali Yesikhathi Eside:

Ukusetha nokusebenza ukuze ufinyelele imigomo yesikhathi eside yezezimali, njengokuthenga ikhaya, ukukhokhela imfundo yezingane, noma ukuzuza ukuzimela ngokwezimali, kunganikeza ugqozi nesiqondiso semizamo yokuzinza kwezezimali.

Ukugwema Ukuqagela Ngengozi Ephezulu:

Ukugwema ukutshalwa kwezimali okuqagelayo okuyingozi enkulu noma ukuziphatha kwezezimali okungabeka engcupheni ukuphepha kwezimali kubalulekile ukuze kube nokuzinza.

Ukuzinza komuntu ngamunye kwezezimali kuwumqondo oguquguqukayo futhi ungahluka kumuntu nomuntu kuye ngezimo zomuntu ngamunye, izinjongo, kanye namagugu. Kuyinqubo eqhubekayo edinga ukuhlela, ukuziphatha, nokuphathwa kwezimali okuqhubekayo. Ukuzuza nokugcina ukuzinza kwezezimali kunganikeza umuzwa wokulondeka ngokwezimali, kunciphise ukucindezeleka, futhi kwandise inhlalakahle yonke.

Ungafinyelela kanjani ukuzinza kwezezimali?

Ukuzuza ukuzinza kwezezimali kudinga inhlanganisela yokuhlela ngokucophelela, imikhuba eqondile yezezimali, kanye nombono wesikhathi eside. Nazi izinyathelo ongazithatha ukuze usebenzele ukuzinza kwezezimali:

Dala Isabelomali:

Qala ngokwenza ibhajethi enemininingwane echaza iholo lakho kanye nezindleko. Khomba izindleko zakho ezibalulekile (isb., izindlu, izinsiza, igrosa) kanye nezindleko ozikhethayo (isb., ukuzijabulisa, ukudla ngaphandle). Qinisekisa ukuthi izindleko zakho sezizonke azidluli iholo lakho.

Yakha Isikhwama Sezimo Eziphuthumayo:

Sungula isikhwama sezimo eziphuthumayo ukuze ukhokhele izindleko ezingalindelekile njengezikweletu zezokwelapha, ukukhanda imoto, noma ukulahlekelwa umsebenzi. Zimisele ukonga okungenani izindleko zokuphila zezinyanga ezintathu kuya kweziyisithupha esikhwameni sakho sezimo eziphuthumayo.

Phatha Isikweletu Ngokuhlakanipha:

Uma unezikweletu ezisasele, yenza uhlelo lokuzikhokha. Gxila ezikweletini ezinenzalo enkulu kuqala, njengesikweletu sekhadi lesikweletu. Cabangela izinketho zokuhlanganisa noma zokubuyisela imali uma zinganciphisa izilinganiso zakho zenzalo.

Yonga bese Utshala:

Yakha umkhuba wokonga ngokuhlala ubeke eceleni ingxenye yeholo lakho. Yonga kokubili imigomo yesikhathi esifushane (isb, amaholide, imoto entsha) kanye nemigomo yesikhathi eside (isb., umhlalaphansi). Cabangela ukutshala izimali ezimpahleni ezihlukahlukene, njengezitoko namabhondi, ukuze ukhulise ingcebo yakho ngokuhamba kwesikhathi.

Beka Eqhulwini Ukonga Umhlalaphansi:

Faka isandla kuma-akhawunti omhlalaphansi afana nama-401(k)s noma ama-IRA ukuze uvikele ikusasa lakho lezezimali. Thatha ithuba lezinhlelo zokuthatha umhlalaphansi ezixhaswe ngumqashi, ikakhulukazi uma umqashi wakho ekunikeza umnikelo ofanayo.

Gcina Ikhava Yomshwalense:

Qinisekisa ukuthi unomshwalense ofanelekile, ofaka umshwalense wezempilo, wempilo, wezimoto, nowasekhaya, ukuze uzivikele wena nempahla yakho ezenzakalweni ezingalindelekile.

Gwema Ukwehla kwamandla emali ngendlela yokuphila:

Njengoba iholo lakho likhula, gwema isilingo sokwandisa kakhulu ukusebenzisa kwakho imali. Kunalokho, yabela imali eyengeziwe ekongeni, ekutshaleni, noma ekukhokheleni izikweletu.

Setha Imigomo Yezezimali:

Chaza imigomo yakho yezezimali, eyesikhathi esifushane neyesikhathi eside. Ukuba nezinhloso ezicacile kungakukhuthaza ukuthi wonge futhi utshale imali ngobuhlakani.

Khulisa Ulwazi Lwezezimali:

Zifundise ngezihloko zezimali zomuntu siqu, njengokwenza ibhajethi, ukutshala imali, nokuhlela intela. Ulwazi lwezezimali lungakusiza wenze izinqumo ezinolwazi.

Yehlisa Izindleko Ezingadingekile:

Thola izindawo lapho unganciphisa khona izindleko ezingadingekile. Izinguquko ezincane emikhubeni yakho yokusebenzisa imali zingangeza ngokuhamba kwesikhathi.

Yehlisa Isikweletu Senzalo Ephezulu:

Beka phambili ukukhokha izikweletu ezinenzalo enkulu, njengoba izindleko zenzalo zingase zicekele phansi uzinzo lwakho lwezezimali. Cabangela ukuhlanganiswa kwezikweletu noma ukudluliselwa kwebhalansi kumazinga enzalo aphansi.

Diversify Investments:

Lapho utshala imali, hlukanisa iphothifoliyo yakho ukuze usabalalise ubungozi. Gwema ukubeka yonke imali yakho esigabeni esisodwa sokutshala imali noma sempahla.

Buyekeza futhi Ulungise:

Buyekeza njalo isimo sakho sezezimali futhi ulungise uhlelo lwakho njengoba kudingeka. Izimo zokuphila, imigomo, nezimakethe zezimali zingashintsha, ngakho-ke kubalulekile ukulungisa isu lakho ngendlela efanele.

Funa Iseluleko Sochwepheshe:

Cabangela ukubonisana nomeluleki wezezimali noma umhleli ongakunikeza isiqondiso somuntu siqu ngokusekelwe esimweni sakho sezezimali kanye nemigomo.

Yiba Nesineke Futhi Phikelela:

Ukuthola ukuzinza kwezezimali kuthatha isikhathi nokuziphatha. Hlala uzinikele ohlelweni lwakho lwezezimali, futhi ungadikibali ngenxa yezingqinamba noma izinselele zesikhashana.

Khumbula ukuthi ukuzinza kwezezimali kuwuhambo, futhi kungase kuthathe isikhathi ukufeza izinjongo zakho ngokugcwele. Okubalulekile ukuqala ukuthatha izinyathelo ezinhle ekuzinzeni kwezezimali kanye nokugcina imikhuba emihle yezezimali esikhathini eside.

Ukuzinza Kwezezimali Emhlabeni Oshintsha Njalo

Enkathini ephawulwe ngentuthuko engapheli yezobuchwepheshe, ukuhwebelana kwembulunga yonke, nokuphazamiseka obekungalindelekile, ukuphishekela ukuzinza kwezezimali sekuthathe isici esisha. Ukuhlakanipha okuvamile kokuthembela kuphela ekuqashweni ngokwesintu kuphonselwa inselelo njengoba abantu befuna izindlela ezintsha zokuvikela ikusasa labo lezezimali. Kule ndaba, sizohlola umbono wokuthi “Ezweni lanamuhla elishintsha njalo, ukuba nemali engenayo ku-inthanethi ezinzile kuwukukhetha okuhlakaniphile” ngokuhlola ukusekelwa okubambekayo kwalesi sitatimende.

Ukusakazwa Kwemali Ehlukahlukene

Esinye sezizathu eziyinhloko zokuthi kungani ukuba nemali engenayo ye-inthanethi ezinzile kuwukukhetha okuhlakaniphile yithuba elinikezayo lokwehlukanisa ukusakazwa kwemali engenayo. Imodeli yendabuko yokuthembela emsebenzini owodwa noma indlela yomsebenzi ingaba yingozi emhlabeni oshintsha ngokushesha. Kodwa-ke, isimo esiku-inthanethi sinikeza izindlela eziningi zokuthi abantu bathole imali. Kusukela ku-freelancing kanye ne-e-commerce kuya ezifundweni eziku-inthanethi kanye nokumaketha okuhlobene, indawo yedijithali inikeza ingcebo yamathuba okwengeza nokuhlukanisa umholo womuntu.

Isibonelo, phakathi nobhadane lwe-COVID-19, abantu abaningi abanemithombo yemali engenayo ku-inthanethi njengamabhizinisi e-e-commerce noma umsebenzi ozimele babengena sengcupheni yokulahlekelwa umsebenzi kanye nokungazinzi kwemali engenayo. Ikhono labo lokuzivumelanisa nezimo ezishintshayo ngokuzulazula emisebenzini yabo ye-inthanethi lagcizelela izinzuzo zokuba nemithombo eminingi yemali engenayo emhlabeni ongaqinisekile.

Ukufinyeleleka Komhlaba kanye Nokufinyeleleka

I-inthanethi yeqe imingcele yendawo, ihlinzeka abantu ngabanye ikhono lokuxhumana nezithameli zomhlaba. Lokhu kufinyelelwa emhlabeni jikelele kuyinzuzo enkulu kulabo abaphishekela imali engenayo ezinzile ku-inthanethi. Ivumela osomabhizinisi kanye nama-freelancers ukuthi bangene ezimakethe ezingaphezu kwezindawo zabo, ukunciphisa ukuncika kwabo ezimeni zomnotho zendawo.

Thatha, isibonelo, umklami wezithombe ozinze edolobheni elincane. Ngokunikela ngezinsizakalo zabo ku-inthanethi, bangafinyelela amaklayenti avela emhlabeni wonke, behlise umthelela wokuguquguquka komnotho wesifunda. Lokhu kufinyeleleka komhlaba wonke akuhlinzeki nje kuphela ukuzinza kodwa futhi kuthuthukisa namathuba okukhula nempumelelo.

Ukumelana Nokungaqiniseki Kwezomnotho

Iminyaka eyishumi edlule ibe nesiyaluyalu somnotho, okuhlanganisa ukwehla komnotho kanye nokuguquguquka kwezimakethe. Ezikhathini ezinjalo ezingaqinisekile, abantu abanemithombo yemali engenayo ku-inthanethi ezinzile babonise ukuqina okukhulu. Amabhizinisi aku-inthanethi, ikakhulukazi lawo asekelwe ezinsizeni ezibalulekile, afakazele ukuthi amelana kakhulu nokwehla komnotho.

Isibonelo, amapulatifomu e-e-learning ahlangabezane nokwanda kwesidingo phakathi nobhubhane njengoba abantu babefuna amathuba emfundo ekude nokuthuthukiswa kwamakhono. Labo ababandakanyekayo emfundweni ye-inthanethi babesesimweni esihle sokusebenzisa le nqubo, okubonisa inzuzo yokuba nomthombo wemali ongenayo ku-inthanethi ozinzile ngezikhathi zokungaqiniseki kwezomnotho.

Ukuvumelana nezimo nokuguquguquka

Ukwakheka kwedijithali kuyashintshashintsha, futhi abantu abenza imisebenzi engenisa imali ku-inthanethi bavame ukuthuthukisa izinga eliphezulu lokuzivumelanisa nezimo nokuqina. Ikhono lokuzungeza, ukulungisa amasu, nokwamukela amathrendi asafufusa kuwuphawu losomabhizinisi abaku-inthanethi. Lokhu kuvumelana nezimo kuzivumela ukuthi zizulazule futhi ziphumelele emhlabeni oshintsha njalo.

Ezweni lanamuhla elishintsha njalo, ukuphishekela imali engena nge-inthanethi ezinzile kuwukukhetha okuhlakaniphile. Ukuthola imali okuhlukahlukene, ukufinyeleleka komhlaba wonke, ukukhuthazela ekungaqinisekini kwezomnotho, kanye nokuguquguquka okungokwemvelo komsebenzi we-inthanethi konke kunomthelela ekusekelweni okuphathekayo kwalokhu kugomela. Njengoba ubuchwepheshe buqhubeka nokuthuthuka futhi umhlaba uthuthuka, abantu abamukela amathuba enkathi yedijithali basesimweni esingcono sokuvikela ukuzinza kwabo kwezezimali futhi bachume ekusaseni elingalindelekile.

Amazwana zivaliwe.

iphutha: Okuqukethwe evikelwe !!