Kwihlabathi eliqhutywa ngamabhongo nempumelelo yemali, ithemba lokuba ngusozigidi luyinto enomtsalane kubantu abaninzi. Ngelixa uhambo ngokungathandabuzekiyo lulucelomngeni, alugcinelwanga abambalwa abanethamsanqa. Le ndlela ayithethi nje ngokuqokelela ubutyebi obuninzi; bubungqina bokuzinikela komntu, ucwangciso lobuchule, kunye nokukwazi ukwenza izigqibo ezinengqondo zemali. Ngengqondo efanelekileyo, ucwangciso lobuchule, kunye nomzamo oqhubekayo, nabani na unokuvula indlela eya kwintabalala yezemali.
1. Isimo sengqondo sibalulekile
Ekufuneni impumelelo yezemali, indima yengqondo ayinakugqithiswa. Isebenza njengelitye lesiseko apho uhambo lokuya ekubeni ngusozigidi ozenzele lona lwakhelwe phezu kwalo. Ingqondo yobutyebi ayisiyonto nje yokuqokelela ubutyebi kodwa ihlakulela indlela epheleleyo yemali, impumelelo, kunye nophuhliso lomntu.
a. Hlakulela ingqondo yobutyebi
Embindini we-a ingqondo yobutyebi yinkolelo yokuba amathuba maninzi, kwaye impumelelo ifumaneka ngomzamo kunye nokucinga ngobuchule. Endaweni yokunikezela kwingqondo yokunqongophala, apho izibonelelo zibonwa njengezinyiniweyo, abantu abanengqondo yobutyebi babona okunokwenzeka kunye nokubanakho ukukhula kwimeko nganye. Ukuhlakulela ingqondo yobutyebi kubandakanya:
- Ukucinga Okulungileyo: Qeqesha ingqondo yakho ukuba igxile kwizinto ezilungileyo kuyo nayiphi na imeko. Isimo sengqondo esikhuthazayo asipheleli nje ekuphuculeni impilo-ntle yakho yengqondo kodwa sikwavula amehlo akho kumathuba asenokutyeshelwa ngenxa yesimo sengqondo esibi.
- Umbulelo: Ukuxabisa into onayo kukhuthaza ukwaneliseka kwaye kutsale amava akhuthazayo. Ziqhelanise nombulelo rhoqo ngokuvuma impumelelo yakho, nokuba incinci kangakanani na, kwaye uvakalise umbulelo ngamathuba aza kuwe.
- Umbono: Ukubona impumelelo yakho kunokuba nempembelelo enamandla kwizenzo zakho. Yenza umfanekiso wengqondo weenjongo zakho zemali kunye nempumelelo, kwaye uphinde ubuyele kulo mfanekiso rhoqo ukuze uqinise ukuzinikela kwakho kunye nokukhuthaza.
b. Funda kwiintsilelo
Ukungaphumeleli yinxalenye engenakuphepheka yalo naluphi na uhambo, kwaye indlela eya kwimpumelelo yezemali ayinjalo. Noko ke, eyona nto yahlula abo bakwindlela yokuba ngoosozigidi abazenzela ngokwabo kukukwazi kwabo ukugqala ukusilela kwabo kungekuphela nje njengomqobo wendlela kodwa njengenyathelo. Ukufunda kwiintsilelo kubandakanya:
- Ukomelela: Phuhlisa ukomelela xa ujongene nemiqobo. Qonda ukuba ukusilela akubonakalisi ukubaluleka kwakho kodwa ngamathuba okufunda nokukhula. Ukomelela kukuvumela ukuba ubuye umva womelele kwaye uzimisele ngakumbi kunangaphambili.
- Ukuziqhelanisa neemeko: Ukukwazi ukuziqhelanisa nokutshintsha kweemeko luphawu lwabantu abaphumelelayo. Sebenzisa ukusilela njengengxelo, lungisa izicwangciso zakho ngokufanelekileyo, kwaye wamkele utshintsho njengenxalenye yendalo yohambo.
- Ukunyamezela: Ukunyamezela ngundoqo wokoyisa imiqobo. Indlela esa kwimpumelelo yemali idla ngokulungiswa ngocelomngeni, yaye ukukwazi ukunyamezela xa ujamelene nobunzima kuko okwahlula abantu abaphumelelayo.
2. Imfundo yezemali
Imfundo yezemali isebenza njengekhampasi ekhokela abantu kumhlaba ontsonkothileyo wotyalo-mali, ukonga, kunye nezicwangciso-qhinga zokwakha ubutyebi.
a. Ukufunda ngokuqhubekayo
Imfundo yezemali yinkqubo eqhubekayo exhobisa abantu ngolwazi nezakhono ezifunekayo ukuze benze izigqibo zemali ezinolwazi nezisebenzayo. Nokuba ungusomashishini onamava okanye usaqala umsebenzi wakho, ilizwe lezemali liyaguquguquka, kwaye ukuhlala usazi ngotshintsho kubalulekile. Ukufunda ngokuqhubekayo kubandakanya:
- Ukufunda uncwadi lwezemali: Ngena kwiincwadi, amanqaku, kunye namaphepha ophando malunga nezezimali zomntu, utyalo-mali, kunye neendlela zoqoqosho.
- Ukuya kwiindibano zocweyo kunye neesemina: Thatha inxaxheba kwiindibano zocweyo kunye neesemina eziqhutywa ziingcali zemali. Ezi ziganeko zibonelela ngeqonga lokusebenzisana neengcali zoshishino, ukubuza imibuzo, kunye nokufumana ulwazi olusebenzayo.
- Izifundo ze-Intanethi: Bhalisa kwiikhosi ze-intanethi ezinikezelwa ngamaziko ahloniphekileyo okanye amaqonga. Iiyunivesithi ezininzi kunye nemibutho ibonelela ngezifundo malunga nokucwangcisa imali, izicwangciso zotyalo-mali, kunye noshishino.
b. Utyalo-mali olucwangcisiweyo
Bexhobe ngemfundo yezemali, abantu ngabanye banokujonga kwihlabathi elintsonkothileyo lotyalo-mali ngokuzithemba. Utyalo-mali olucwangcisiweyo luluncedo ekwakhiweni nasekukhuseleni ubutyebi kwixesha elide. Iindlela zotyalo-mali ezicwangcisiweyo ziquka:
- Ukwahluka: Ukusasaza utyalo-mali lwakho kwiindidi ezahlukeneyo zee-asethi ukunciphisa umngcipheko. Oku kunokubandakanya umxube wesitokhwe, iibhondi, indawo yokuhlala, kunye nezinye izithuthi zotyalo-mali.
- Ulawulo lomngcipheko: Qonda kwaye uvavanye umngcipheko onxulumene notyalo-mali ngalunye. Ukwahlula ipotifoliyo yakho kunye nokuba nesicwangciso esicacileyo solawulo lomngcipheko kunokukhusela ubutyebi bakho ekuguquguqukeni kweemarike.
- Imbono yexesha elide: Yamkela imbono yexesha elide xa kuziwa kutyalo-mali. Oosozigidi abaninzi abazenzelayo babalaselisa impumelelo yabo kumonde kunye nezicwangciso eziliqili zotyalo-mali ezimelana nokuguquguquka kweemarike.
3. Imisebenzi yoshishino
Usukelo loshishino lumi njengesango eloyikekayo kwimpumelelo yezemali, enika abantu ithuba lokuzakhela ubutyebi babo kwaye bashiye ifuthe elihlala lihleli emhlabeni.
a. Chonga amathuba
Ukuba ngusozigidi ozenzeleyo kuhlala kubandakanya ukubona amathuba apho abanye babona imiceli mngeni. Ukukwazi ukuchonga izithuba kwimarike, ukulindela iintsingiselo, kunye nokusombulula iingxaki ngobuchule kusentliziyweni yempumelelo yoshishino. Ukuchonga amathuba kubandakanya:
- Uphando lweMarike: Yenza uphando olucokisekileyo ukuqonda iintsingiselo zemarike, iimfuno zabathengi, kunye nabantu abanokuba ngabakhuphisana nabo. Chonga iindawo apho imfuno ingaphezulu kobonelelo okanye apho izisombululo ezikhoyo zingonelanga.
- Ukusungula izinto ezintsha: Hlakulela ingcamango entsha. Khangela iindlela zokuphucula iimveliso okanye iinkonzo ezikhoyo, okanye udale into entsha ngokupheleleyo. Oosomashishini abaphazamisa amashishini badla ngokuzifumana bephambili kwimpumelelo yemali.
- Uthungelwano: Zibandakanye neenethiwekhi ezahlukeneyo ukuze uhlale unolwazi ngamathuba avelayo. Yiya kwimisitho yoshishino, uzibandakanye noluntu lwamashishini, kwaye usebenzisane nabantu ababelana ngokuthanda izinto ezintsha.
b. Qala ishishini
Ukuqala ishishini eliphumelelayo kufuna okungaphezulu kunombono nje omkhulu; ifuna ukucwangciswa ngononophelo, ukomelela, kunye nokuzinikela ekuguquleni umbono wakho ube yinyani. Amanyathelo okuqalisa ishishini aquka:
- Isicwangciso soshishino: Phuhlisa ngokubanzi cwangciso so shishino ichaza umbono wakho, imarike ekujoliswe kuyo, ukhuphiswano, kunye noqikelelo lwezemali. Isicwangciso esicingisiswe kakuhle sisebenza njengemaphu yendlela yohambo lwakho lokurhweba.
- Iingqwalasela zoMthetho: Bhalisa ishishini lakho kwaye uqinisekise ukuthotyelwa kwemigaqo yasekuhlaleni. Ukuqonda iimfuno zomthetho kunye nokukhusela ipropathi yomenzi wakho kubalulekile kwimpumelelo yexesha elide.
- Inkxaso-mali: Khusela imali efunekayo ukuze usungule kwaye ugcine ishishini lakho. Oku kunokubandakanya ukonga, imali-mboleko, okanye ukufuna abatyali-mali. Isiseko esiluqilima sezemali sibalulekile ukuze simelane nemingeni yoshishino.
4. Ugcino-mali olucwangcisiweyo kunye nohlahlo lwabiwo-mali
Ugcino-mali olucwangcisiweyo kunye nohlahlo lwabiwo-mali lusebenza njengeziseko ezenza isiseko esiluqilima sokuqokelelwa kobutyebi.
a. Phila Ngaphantsi Kweendlela Zakho
Ukuphila ngaphantsi kweendlela zakho ngumgaqo osisiseko onokukhawulezisa uhambo lwakho lokuba ngusozigidi ozenzeleyo. Ibandakanya inkcitho engqondweni, ukubeka phambili iimfuno ngaphezu kweemfuno, kunye nokugcina inxalenye ebalulekileyo yomvuzo wakho. Ukuhlala ngaphantsi kweendlela zakho kubandakanya:
- Indlela yokuphila eyongayo: Yamkela a indlela yokuphila eyongayo ngokwahlula phakathi kweendleko ezibalulekileyo nezingeyomfuneko. Nciphisa ukuthenga ngokungeyomfuneko kwaye ugxile kwinkcitho eqhutywa lixabiso.
- Ukunqanda amatyala: Nciphisa ukusetyenziswa kwamatyala kwii-asethi ezingaxabisiyo. Ngelixa ityala lobuchule linokuba sisixhobo sokudala ubutyebi, amatyala amaninzi kunye nenzala ephezulu anokuthintela inkqubela yakho yezemali.
- Ukugcina rhoqo: Beka inxalenye yomvuzo wakho kulondolozo ngaphambi kokuba uchithe kwizinto ozifunayo. Phatha ukonga njengeendleko ezingaxoxisiyo ukubeka phambili iinjongo zakho zemali.
b. Ingxowa-mali kaxakeka
Ukwakha ingxowa-mali engxamisekileyo linyathelo elibalulekileyo ekuphumezeni uzinzo lwezemali. Ingxowa-mali engxamisekileyo isebenza njengenethi yokhuseleko, ibonelela ngenkxaso-mali ngamaxesha eendleko ezingalindelekanga okanye ukuguquguquka kwengeniso. Ukudala nokulawula ingxowa-mali yexesha likaxakeka kubandakanya:
- Ukumisela injongo: Misela injongo efanelekileyo yengxowa-mali yakho kaxakeka ngokusekelwe kwiindleko zakho zokuphila. Zimisele iindleko zokuphila ezixabisa iinyanga ezintathu ukuya kwezintandathu ukuqinisekisa ukuba unokuhlangabezana nezaqhwithi zemali ezingalindelekanga.
- Iminikelo engaguqukiyo: Rhoqo faka igalelo kwingxowa-mali yakho yexesha likaxakeka, uyiphathe njengeendleko ezihlala zisenzeka. Udluliselo oluzenzekelayo kwingxowa-mali yakho yonxunguphalo ukuze uqinisekise ukonga okungaguqukiyo kunye nokuziphatha kakuhle.
- Ngeemeko zongxamiseko kuphela: Nxhathisa isilingo sokuntywila kwingxowa-mali yakho kaxakeka ngeendleko ezingangxamisekanga. Yigcine kuphela kwiimeko ezingxamisekileyo, njengamatyala ezonyango, ukulungiswa kwemoto, okanye ukuphelelwa ngumsebenzi ngokungalindelekanga.
5. Uthungelwano kunye nengcebiso
Ukwakha uqhagamshelo olunentsingiselo kunye nokufuna isikhokelo kubacebisi abanamava ziindlela ezixabiseke kakhulu kwindlela eya ekubeni ngusozigidi ozenzele yena.
a. Yakha inethiwekhi eyomeleleyo
Uthungelwano alukho malunga nokutshintshiselana nje ngamakhadi oshishino; imalunga nokuhlakulela ubudlelwane obunentsingiselo obunokuvula iingcango, ukubonelela ngamathuba, kunye nokunika ukuqonda okuxabisekileyo. Inethiwekhi yobuchwephesha eyomeleleyo inokuba yimbangela yempumelelo. Ukwakha uthungelwano olomeleleyo kubandakanya:
- Ubunyani: Yiba yinyani kunxibelelwano lwakho. Ukunyaniseka kwakha ukuthembana kwaye kuseka isiseko soqhagamshelwano olunentsingiselo. Abantu badla ngokubaxhasa abo babagqala njengenyani kwaye banyanisekile.
- Iyantlukwano: Yandisa inethiwekhi yakho kuwo wonke amashishini ahlukeneyo kunye neengcali. Ukubonakaliswa kweembono ezahlukeneyo kunokuvusa ubuchule kwaye kubonise amathuba onokuthi ungawaqwalaselanga kwisangqa sakho esikufuphi.
- Ukubuyisana: Uthungelwano lundlela-mbini. Nikeza inkxaso yakho kunye nobuchule bakho kwabanye kwinethiwekhi yakho. Inkcubeko yokubuyisana ikhuthaza imeko yentsebenziswano apho wonke umntu anokuphumelela.
b. Funa ingcebiso
I-Mentorship lubudlelwane obunamandla obubandakanya ukufuna isikhokelo kubantu abahambe ngendlela onqwenela ukuyinyathela. Umcebisi unokubonelela ngengqiqo exabiseke kakhulu, abelane ngamava, kwaye anike ingxelo eyakhayo, ekhawulezisa ukufunda kwakho. Ukufuna ingcebiso kubandakanya:
- Ukuchonga abanokuba ngabacebisi: Khangela abantu abaphumelele impumelelo kwicandelo lakho lomdla. Qwalasela imilinganiselo yabo, amava, nokukulungela kwabo ukululeka abanye.
- Ukwakha ubudlelwane: Seka unxibelelwano lokwenyani nabanokuba ngabacebisi ngaphambi kokusesikweni koqeqesho. Yiya kwimisitho yoshishino, funa udliwano-ndlebe lolwazi, kwaye ubonise ukuzibophelela kwakho ekukhuleni kobuqu kunye nobungcali.
- Unxibelelwano oluvulekileyo: Cacisa ngokucacileyo iinjongo zakho kunye nokulindela kumcebisi wakho. Vula impendulo, ubuze imibuzo, kwaye ufune isikhokelo kwimingeni okanye izigqibo ezithile.
6. Ulawulo lwexesha kunye nokuziphatha
Ulawulo lwexesha kunye nokuziphatha kuvela njengezinto ezibalulekileyo ezinokukuqhubela kwiinjongo zakho okanye zithintele inkqubela yakho.
a. Zibekele usukelo olucacileyo
Ulawulo lwexesha luqala ngokumisela iinjongo ezicacileyo nezifikelelekayo. Ezi njongo zisebenza njengokukhanya kwakho okukhokelayo, ukunika isikhokelo kunye nenjongo kwizenzo zakho. Chaza iinjongo zexesha elifutshane kunye nexesha elide, zombini zemali kunye nezomntu, ukwenza imephu yendlela yohambo lwakho. Ukumisela iinjongo ezicacileyo kubandakanya:
- Ukuchaneka: Yenza iinjongo zakho zichane kwaye zilinganiseke. Endaweni yosukelo olungacacanga olufana “nokunyusa umvuzo,” cacisa, “ukunyusa umvuzo wenyanga ngama-20% kunyaka olandelayo.”
- Ukubeka phambili: Beka phambili iinjongo zakho ngokusekwe kwimpembelelo kunye nokungxamiseka kwazo. Chonga imisebenzi enegalelo elikhulu kwimpumelelo yakho yezemali kwaye ubeke ixesha ngokufanelekileyo.
- Ukuba bhetyebhetye: Ngoxa ukubekela usukelo kubalulekile, yiba bhetyebhetye ukuze uvisisanise neemeko eziguqukayo. Indlela eguquguqukayo ikuvumela ukuba uhlengahlengise izinto eziphambili zakho ngokusekwe kwiimfuno eziguqukayo kunye namathuba.
b. Ukuziphatha kunye nokungaguquguquki
Ukuziphatha nokungaguquguquki ziintsika ekwakhiwe phezu kwazo impumelelo. Ngaphandle kwezi mpawu, kwanezona zicwangciso ziyilwe kakuhle zinokuphanza. Ukuziphatha kubandakanya ukwenza ukhetho olufanelekileyo oluhambelana neenjongo zakho, kwaye ukungaguquguquki kuqinisekisa ukuba olu khetho luba yimikhwa ekuhambeni kwexesha. Ukuphuhlisa uqeqesho kunye nokungaguquguquki kubandakanya:
- Ukuseka iindlela: Yenza imisebenzi yemihla ngemihla kunye neveki ebeka phambili imisebenzi ehambelana neenjongo zakho. Iindlela zokuziqhelanisa zikhuthaza ukuziphatha kakuhle kwaye zinciphisa ukudinwa kwezigqibo.
- Gxininisa kwimisebenzi enefuthe eliphezulu: Chonga imisebenzi enegalelo elikhulu kwimpumelelo yakho yezemali. Yibeke phambili le misebenzi inefuthe eliphezulu, unikela ixesha eligxilileyo nelingenasiphazamiso kuyo.
- Ukuphendula: Zibeke uxanduva ngezenzo zakho. Hlala uphonononga inkqubela yakho, bhiyozela impumelelo, kunye nezifundo ezichanekileyo xa kuyimfuneko. Cinga ngokwabelana ngeenjongo zakho nomhlobo omthembileyo okanye umcebisi ngokuphendula kwangaphandle.
isiphelo
Ukuba ngu-a uzenzele usozigidi yinjongo efikelelekayo kwabo bazimisele ukutshala imali kubo, bamkele ingqondo yobutyebi, kwaye bathathe amanyathelo obuchule. Uhambo luphawulwa yimingeni, ukusilela, kunye namathuba okufunda, kodwa ngokuzingisa, ukuqeqeshwa, kunye nombono ocacileyo, ubutyebi bemali bunokufikelelwa. Ngokwamkela imigaqo echazwe kweli nqaku kunye nokufumana inkuthazo kubantu abaphumeleleyo, ungaqala kuhambo lwenguqu olusingise ekubeni ngusozigidi ozenzeleyo. Khumbula, indlela eya kubutyebi yahlukile kumntu ngamnye, ke hlala ugxile, hlala uqinile, kwaye uvumele uhambo lwakho luqhubeke.