Ungazakhela umnotho ngale kokufukuzela imali
SIKHULA NGOMNOTHO
UMA ungenayo indlela yokwenza imali ulele, usekude nokuzakhela umnotho. Abantu abaningi bayamanisa ukwenza imali nokusebenza. Kuyiqiniso impela ukuthi ukwenza imali kuhambisana nokukhiqiza noma ukusebenzela ubantu okudinga ukuthi kusetshenzwe. Kodwa akusho ukuthi kufanele kusebenze wena. Inkinga ngokuthi kube uwena osebenzayo ukuthi awukwazi ukwenza izinto eziningi ngesikhathi esisodwa, uyakhathala kanti unamahora abaliwe osukwini.
Abantu abanothile basetshenzwelwa abanye abantu babaholele. Abanye abadingi ukusebenza noma ukuqasha abantu kepha basetshenzelwa yimali yabo. Okuhle-ke ngokusetshenzelwa yimali wukuthi ayiholi, ayikhathali futhi ayiteleki. Noma zikhona izingqinamba ezeyamene nokutshala imali kodwa akufani nokusebenza noma ukusetshenzelwa abantu.
Ufikelela kanjani ezingeni lokusetshenzelwa yimali noma abanye abantu? Kukabili, kungaba ukusungula ibhizinisi, usebenze ngokuzikhandla lize lisimame noma ukutshala imali kancane kancane ize ibe yisamba esikhulu. Ukusungula ibhizinisi yikhona okuvamile kodwa akulula. Kudingeka ukuzikhandla okwedlulele ngasekuqaleni kanti kuphinde kuhambisane nengcindezi. Osomabhizinisi abaningi asebephumelele bagcizelela ukuthi iyadingeka nenhlanhla kule nkambo. Ngakolunye uhlangothi, ukutshala imali kudinga ufunde ukuzithiba ungasaphazi imali noma yikanjani. Nakho-ke ukuzithiba lokhu akulula, kuphoqa ukuthi ungazenzi eziye izinto ezenziwa abantu ngoba ubekela ikusasa. Kufanele ucabange isivuno sakusasa ngesikhathi ubophe ibhande.
Kuyacaca nokuthi ukufika ezingeni lokwenza imali kuncike ezintweni ezimbili; umbono wekusasa eliqhakazile nokuzikhandla ungapheli umoya. Yize ukusungula ibhizinisi kuyindlela eyejwayelekile kodwa kababaningi abaphumelelayo futhi kudinga imali eningana ekuqaleni. Ngakolunye uhlangothi ukutshala imali ungakuqala ngisho uwedwa ngemadlana encane. Okuhle wukuthi akudingeki nokuthi uyeke umsebenzi noma usebenze ngokweqile. Akusho-ke ukuthi uhlala uthi dekle, ungenzi lutho. Kufanele ufunde ngezindlela ezinenzuzo zokutshala imali. Okokuqala ukwazi ngezindlela ezinenzalo eqinisekisiwe zasemabhange. Incane yona inzalo kulezi zinhlelo zasebhange kodwa yilapho kufanele uqale khona. Enye indlela enenzalo eqinisekisiwe yile yokuboleka uhulumeni imali ebizwa ngama-bonds etholakala khona emabhange naseposini. Ngokuhamba kwesikhathi ungaqala ufake imali ezinhlelweni zamasheya ezinenzuzo ethe xaxa. Nalapha ziningi izindlela zokwenza imali okungenza kube nzima ukukhetha. Zikhona-ke izinkampani ezingakwenzela lo msebenzi wokukhetha amasheya. Okudumile njengamanje wukuthenga ubhasikidi wamasheya ukuze unciphise amathuba okulahlekelwa yimali oyitshalile. Ngicabanga ukuthi kubalulekile ukugcizelela iphuzu lokuthi ukutshala imali akusho ukuthi uzozuza nakanjani, kuyenzeka ulahlekelwe yimali. Yingakho kuwumqondo ophusile ukuqala emabhange lapho kunenzalo eqinisekisiwe, unyukele ezinkampanini ezikuthengela amasheya bese ufunda ukuzithengela kancane kancane. Ngisho wona la masheya athengwa ngobhasikidi abizwa nge-index noma amaetf awanaso isiqiniseko sokukhula esikhathini esifushane. Kuyasiza ukuthi izinhlelo zakho zokutshala uzihlukanise ngesikhathi, ungaba nohlelo lweminyaka emihlanu, olunye lweminyaka engu-10 nolunye lweminyaka engu-20 noma engu-30.
Kuvamile-ke ukuthi abantu bangayizwa kahle indaba yokutshala imali iminyaka eminingi kangaka. Okumangazayo wukuthi abantu abaningi banomshwalense obizwa nge-life cover otholakala uma ushona baphinde babe nohlelo lwempesheni. Kungani-ke ukutshala imali isikhathi eside kuyinkinga? Iqiniso wukuthi uthola inzalo eningi ngokutshala imali kunomshwalense. Lokhu akusho ukuthi awuwudingi umshwalense, iphuzu elibalulekile wukuthi kufanele ukwamukele ukuthi kufanele utshale imali isikhathi eside.
Zikhona-ke ezinye izindlela zokutshala imali ezinenzuzo enkulu futhi esheshayo. Enye yalezi zindlela ibizwa ngecrowdfunding okuwuhlelo lokuboleka osomabhizinisi imali kusetshenziswa i-internet. Okumnandi futhi wukuthi awuhlangene nala mabhizini aboleka imali, okwakho nje wukufaka imali bese uthola inzalo njalo ngenyanga.
Ukwenza imali akukhona nje okwezimpunyela ezinemali eningi, wonke umuntu usethubeni lokutshala imali iqhubeke ikhule ngaso sonke izikhathi. Okubalulekile ukuqala nje, okunye kuzolandela.
Sishayele ku-031 829 5820 noma uthumele uWhatsApp/sms ku-083 354 8794, vakashela iwebsite yethu ethi www.ubuntuwealth.co.za ujoyine ukuze uthole ulwazi oluphangalele.
Hheshe!