Iningi labantu lithola imali ngokusebenza: unikela ngesikhathi sakho bese ukhokhelwa. Kukhona indlela yesibili. Imali oyilondolozile ingasetshenziswa ukuze ithole imali eningi, ngisho nalapho ulele. Kulesi sifundo sesifundo sikaMondosol esithi Make Money , uKofi uchaza ukuthi lokho kusebenza kanjani, yiziphi izinketho, nokuthi kungani yonke inketho iza nengozi ethile.
Funda isihloko, bukela amavidiyo, noma cindezela u-play bese ulalela.
Kulesi sihloko
- Izindlela ezimbili zokuthola imali
- Indlela imali ekhula ngayo ngokuhamba kwesikhathi
- Izindlela imali engakusebenzela ngazo
- Iqiniso "ngemali engenayo engenzi lutho"
- Ingozi: intengo yokukhula
- Buka: inzalo ehlanganisiwe kanye nemali engenayo engasebenzi
- Zama: Isisebenzi sokuqala semali sikaKofi
- Imibuzo Evame Ukubuzwa
- Qhubeka ufunda
Izindlela ezimbili zokuthola imali
- Imali engenayo esebenzayo: imali oyitholayo ngokusebenza, njengomholo, inkokhelo yehora noma inkokhelo yomsebenzi. Uma uyeka ukusebenza, kuyaphela.
- Imali engenayo kulokho onakho: imali etholwe ngezinto onazo, njengenzalo ekongeni, izinzuzo ezivela kumasheya, irenti evela empahleni noma inzuzo evela ebhizinisini.
Cishe wonke umuntu uqala ngemali engenayo esebenzayo. Umqondo uwukusebenzisa ingxenye yayo, isinyathelo ngesinyathelo, ukwakha uhlobo lwesibili.
Indlela imali ekhula ngayo ngokuhamba kwesikhathi
Uma imali yakho ithola imbuyiselo bese ushiya leyo mbuyiselo, ngonyaka ozayo uzothola imbuyiselo nayo. Lokhu kuyinzalo ehlanganisiwe . Nakhu okwenzekayo uma ubeka eceleni u-1,000 kr njalo ngenyanga. Imbuyiselo yonyaka iyizibonelo kuphela, hhayi isithembiso; imbuyiselo yangempela iyakhuphuka futhi yehla.
| Years | Ikhokhelwe ngaphakathi | Ku-0% | Ku-3% ngonyaka | Ku-5% ngonyaka |
|---|---|---|---|---|
| 10 | I-120,000 kr | I-120,000 kr | ~139,700 kr | ~155,300 kr |
| 20 | I-240,000 kr | I-240,000 kr | ~328,300 kr | ~411,000 kr |
| 30 | I-360,000 kr | I-360,000 kr | ~582,700 kr | ~832,300 kr |
Bheka umugqa weminyaka engama-30: ku-5% ngonyaka, ngaphezu kwengxenye yenani lokugcina livela ekukhuleni, hhayi kulokho okukhokhiwe. Umsizi omkhulu isikhathi, yingakho ukuqala kusenesikhathi, ngisho nangamanani amancane, kubalulekile.
Izindlela imali engakusebenzela ngazo
I-akhawunti yokonga
Ingozi ephansi futhi kulula ukuyifinyelela. Inzalo ivame ukuba ncane futhi ingase ingahambisani nokwehla kwamandla emali, kodwa yindawo efanele yesikhwama sakho sezimo eziphuthumayo.
Izimali namasheya
Isabelo siyingxenye encane yenkampani. Isikhwama sibamba amasheya amaningi ngesikhathi esisodwa, okusabalalisa ingozi. Ezikhathini eziningi amasheya avame ukukhula ngaphezu kwama-akhawunti okonga, kodwa angawa kakhulu ngonyaka omubi.
Property
Irenti ingaletha imali njalo ngenyanga, kodwa impahla ibiza kakhulu ukuyithenga, idinga ukulungiswa, futhi ivame ukuthengwa ngemali mboleko enkulu.
Ibhizinisi noma ikhono ongalithengisa
Ibhizinisi elincane, isitolo esiku-inthanethi noma umkhiqizo owudala kanye bese uwuthengisa kaningi (njengesifundo noma incwadi ye-e) ungazuza imali. Kudinga umsebenzi omningi ekuqaleni, futhi amabhizinisi amaningi amancane awatholi nzuzo.
Iqiniso "ngemali engenayo engenzi lutho"
Uzobona amavidiyo amaningi ethembisa "imali engenayo engenziwa kalula". Qaphela. Cishe zonke izindlela zokuthola imali kulokho onakho zidinga imali (ukutshala imali), isikhathi (ukwakha okuthile) noma ikhono (ukukuphatha). Uma umuntu ethembisa imbuyiselo ephezulu ngaphandle kwengozi namzamo, kungenzeka ukuthi kuhle kakhulu ukuba yiqiniso, futhi kungaba ukukhwabanisa.
Ingozi: intengo yokukhula
- Inzuzo enkulu engenzeka ngokuvamile isho ingozi enkulu. Ayikho indlela ephephile yokuceba ngokushesha.
- Sabalalisa ubungozi bakho. Ungafaki yonke imali yakho entweni eyodwa.
- Tshala imali kuphela ongeke uyidinge maduze. Gcina imali yakho yesimo esiphuthumayo ingukheshi kuqala.
- Qaphela izindleko. Imali ekhokhwayo ephezulu ingadla ingxenye enkulu yokukhula kwakho eminyakeni eminingi.
- Khokha izikweletu ezibizayo kuqala. Ukukhokha ikhadi ngenzalo engu-20% kuyisiqinisekiso "sokubuyiselwa" okungu-20%.
Buka: inzalo ehlanganisiwe kanye nemali engenayo engasebenzi
Ividiyo: “Iyini Inzalo Ehlanganisiwe? | Investopedia” yi-Investopedia, ku-YouTube.
Ividiyo: “Incazelo Yengeniso Engashintshi” yi-Sartorial Wealth Inc., ku-YouTube.
Zama: Isisebenzi sokuqala semali sikaKofi
- Hlola ukuthi unesikhwama esincane sezimo eziphuthumayo kuqala.
- Khetha inani ongalibeka eceleni njalo ngenyanga ngaphandle kokucindezeleka, ngisho no-200 kr.
- Buza umuntu omdala omethembayo, noma ibhange lakho, ukuthi yiziphi izinketho ezingabizi kakhulu ezikhona zokonga isikhathi eside lapho uhlala khona.
- Bhala phansi ukuthi kungani wonga imali nokuthi uzoyigcina isikhathi esingakanani (iminyaka emi-5, eyi-10 noma engama-20).
- Setha ukuthi kwenzeke ngokuzenzakalelayo, bese uyihlola kanye ngenyanga, hhayi nsuku zonke.
Imibuzo Evame Ukubuzwa
Ngidinga malini ukuze ngiqale ukutshala imali?
Emazweni amaningi ungaqala ngemali encane yanyanga zonke esikhwameni. Umkhuba ubaluleke kakhulu kunosayizi ekuqaleni.
Ngingalahlekelwa yimali ngokutshala imali?
Yebo. Amasheya, izimali, impahla kanye namabhizinisi konke kungalahlekelwa yinani. Yingakho ugcina isikhwama esiphuthumayo, usabalalise ubungozi bakho futhi utshale imali isikhathi eside.
Ingabe imali engenayo engenziwanga ingenziwanga ngempela?
Akuvamile ekuqaleni. Iningi lemali engenayo evela kulokho onakho idinga imali, isikhathi noma ikhono ukuze yakhiwe kanye nokunakekelwa okuthile ukuze iqhubeke.
Ingabe kufanele ngitshale imali noma ngikhokhe izikweletu kuqala?
Isikweletu esibizayo, njengekhadi lesikweletu, sivame ukuza kuqala, ngoba inzalo yaso ivame ukuba phezulu kunalokho okungathengwa ngokuthembekile ekutshalweni kwezimali.
Qhubeka ufunda
- Zijwayeze: vula uhlelo olusebenzisanayo Izifundo Zokwenza Imali Ohambweni Lwakho Lokufunda.
- Isifundo sangaphambilini: Ubaba Ocebile Ubaba Ompofu: imibono eyinhloko.
- Isifundo esilandelayo: Ikota yokuhamba kwemali.
- Related: Amandla okonga kanye nenzalo ehlanganisiwe futhi izimali eziphuthumayo.
Lesi sihloko siyafundisa futhi asisona iseluleko sezezimali. Ukutshalwa kwezimali kungancipha futhi kukhuphuke, futhi ukukhula kwesikhathi esidlule akuthembisi ukukhula kwesikhathi esizayo. UKofi ungumlingiswa ovela kubalingisi bezindaba zikaMondosol. Izibonelo zezinombolo zenziwe ukukhombisa ukuthi lo mbono usebenza kanjani.
