Ukunotha wukuba nemali yokufeza izidingo nezifiso

SIKHULA NGOMNOTHO

BANINGI abathanda ukuba nezindodla zemali kodwa bambalwa abanomoya wokuhamba ibanga eliya emnothweni. Kulula ukufisa ukuba nemali uzibone unothile kodwa kunzima ukumelana nomqansa wokwakha umnotho. Yingakho kukhona ababeka ithemba kwi-Lotto nasemakhasino ukuze bawine izizumbulu. Asiqale la, ukunotha akusho ukuba nezizumbulu emabhange, imizi eminingi noma inqwaba yezimoto zikanokusho.

Ukunotha wukuthi ube nemali eyanele ukufeza izidingo nezifiso zakho. Iso lokwakha umnotho kufanele liqale lapho ukhona, ubheke ukuthi zimi kanjani izidingo nezifiso zakho.

Ukusuka lapho ubheka ukuthi ushoda kangakanani ukuthi uphile impilo engenasikweletu noma ukuthi ukhokhe izikweletu.

Lapha sikhuluma ngezikweletu zokuthenga indlu, imoto noma iyiphi impahla engenisa imali hhayi omashonisa. Uma ukwazi ukukhokhela izidingo nalokho okufisayo zinyanga zonke usunothile. Okulandelayo wukuthi ufunde izindlela zokukhulisa umnotho wakho.

Igxathu lokuqala wukuthi ungabi nomhobholo ufune imali eningi ngokushesha. Musa ukutatazela, ukukhulisa umnotho kuthatha isikhathi kodwa kuyagculisa ekugcineni.

Umqondo wokuthi ukwakha umnotho kuthatha isikhathi kukuvikela emabhanoyini nasekugembuleni okuqeda imadlana onayo. Kungcono kabi ukuthi ubeke imali uthole inzalo encane kunokuthi uyifake lapho ingashabalala ngokuphazima kweso. Isiqalo sokwakha umnotho ukuthi uvikele osunakho ukuze wakhele phezu kwakho. Lokhu akusho ukuthi beka imali yakho lapho kungekho nzalo khona kepha kufanele ubheke izinhlelo ezinenzalo engaphezulu kwe-inflation. Ungashayi amakhala ngenzalo engalinganiselwa ku-9% njengoba isho ukuthi uthola u-4% ngaphezulu kweinflation.

Ngokugwema ukucabanga ngezizumbulu uzinika ithuba lokubona imali yakho ikhula ngaphandle kwengcindezi. Lokhu kwenza uthathe izinqumo eziphusile ngokuthi uyitshalaphi imali yakho. Kuyasiza ukuthi njalo ngonyaka ucubungule indlela izinto ezihamba ngayo wenze ushintsho uma kunesidingo.

Nalapho ungagagameli ngoba kukhona abathembisa imali esheshayo. Uma kunethuba olibonayo ukuthi liyathembisa qala ngokuzwa amanzi ngobhoko.

Ukhumbule ukuthi amabhanoyi alutha abantu ngokuthi kube khona abakutholayo uma kusaqalwa bese kungqwamba emuva kwesikhathi. Uma ungenaso isiqiniseko sokuthi yenziwa kanjani imali musa ukufaka eyakho.

Kufanele uzibekele ibanga ofuna ukulihamba, wazi ukuthi uzobe ukuphi eminyakeni emihlanu, eyishumi noma engu-20 ezayo.

Indlela ephusile wukuyihlukanisa imali oyitshalayo kube khona oyitshala iminyaka emihlanu, enye kube iminyaka eyishumi enye iminyaka engu-20.

Uma kuphela iminyaka emihlanu ungakwazi ukubuyekeza uhlelo lwakho uphinde uqhubeke utshale eminye iminyaka.

Imfihlo yokutshala imali kodwa futhi engeyona imfihlo yinzalo engena phezu kwenzalo eyaziwa phecelezi nge-compound interest.

Okuhle nge-compound interest wukuthi uma imali oyitshalile izala kule nyanga, ngenyanga ezayo kuzala imali oyifakile nenzalo.

Indlela elula yokuchaza i-compound interest wukuyifanisa nokuthenga inkomo eyithokazi. Uma le nkomo iqhubeka izala amathokazi nawo eqhubeka isibaya sikhula ngokushesha.

Uma uyiyeka isikhathi eside iyanda inzalo oyitholayo njengoba inzalo iqhubeka yenza inzalo. Isibonelo: ukutshala uR10 000 iminyaka eyishumi lapho inzalo iwu10% kuyikhulisa iyofika kuR25 000. Uma uqhubeka kuyofika eminyakeni engu-20, imali oyitholayo ingaphezulu kukaR67 000. Izinkakha zabatshali bemali umhlaba wonke zincoma i-compound interest ngokubakhela umnotho.

Inselelo enkulu ngokwakha umnotho wukulinda. Baningi abacwilelwa yizizumbulu zemali yempesheni noma amafa ngenxa yokuyengwa yizinhlelo ezithembisa inzalo eyisimanga. Ezinye izinhlelo ziza njengamabhizinisi azokwenza inzuzo enkulu. Iqiniso ukuthi ngisho amabhizinisi amakhulu esiwaziyo awayenzi inzuzo ethenjiswa yilezi zinhlelo mbumbulu. Kufanele uzibuze ke ukuthi bayenza kanjani bona inzuzo enkulu kangaka.

Okungasiza abantu yikhona ukuthi bahambele kude nemali esheshayo noma balindele ukushiswa amalangabi. Uma singagxila ekutheni sibhekane nezidingo bese sakhela phezu kwalokho singasizakala.

Singaziphupha nje izigidi kodwa asingalindeli ukuthi zizoqathaka njengemana esibhakabhakeni. Kufanele sisebenze siphikelele size sifike ezingeni esilifisayo.

Lokhu ngeke kwenzeke ngokuphazima kweso, kuthatha isikhathi nempokophelo engenakudikibala.

Sishayele noma uthumele umlayezo ku-060 586 9798 noma ku-083 354 8794. Bhalisa uthole ulwazi olunohlonze ku-www. ubuntuwealth.co.za Hheshe!