Umbuzo obonakala ungenangqondo: ingabe ukuthula kungakalwa?
Kuzwakala njengokubuza ukuthi umbala ungalinganiswa yini ngesikali.
Nokho, endaweni yempilo yakho yezezimali, ukuthula akusona isimo somoya esingaqondakali — kungumphumela oqondile wezinto ezimbalwa ongazibona, uzibale, futhi uzilandelele njalo esikhathini.
Izindaba ezinhle ukuthi iningi labantu alidingi “ukuhlela ama-akhawunti kahle” ukuze bazizwe bengcono.
Badinga ukubheka ama-akhawunti afanele.
Mancane, alula, futhi uma usazi lapho okumele uwabheke khona, akuhambisana nawe ukuphila kwakho konke.
Uma ufunde isihloko sokuqala salebhulogi, usuvele wazi ukuthi kungani sakhe i-Cashfulness nokuthi sisho ukuthini ngo-kuthula nendlela ndawonye.
Lapha ngifuna ukuthatha isinyathelo esiqotho kakhudlwana: ukukukhombisa izilinganiso ezine esikholelwa ukuthi zichaza kangcono impilo yezezimali yomuntu kunanoma iyiphi ichathi yemali engenayo neyeqayo.
Yini engelona ukuthula kwezezimali
Ngaphambi kokusho ukuthi kuyini, kufanele siqale sisho ukuthi akuyona yini.
Kukhona izimo ezintathu ezivame ukudidaniswa nokuthula futhi, uma zihlolwe ngokuqotho, azikhona neze.
Eyokuqala ukudideka okufihlwe ngaphansi kokuzola.
Kuyaziwa ngomusho abaningi bethu abasewuke bawusho okungenani kanye: “Angibheki ama-akhawunti ngoba kuhamba kahle noma kunjani”.
Kuwukuthula okubonakalayo kuphela, ngoba kuncike encazelweni engakaqinisekiswa.
Kuma kahle kuze kube khona okwenzekayo — ukulahlekelwa umsebenzi, izindleko ezingalindelekile, izitshalomali ezingahambi kahle — okugqashula isivuvu.
Uma isivuvu siqhaqhaza, ukudideka bekukade kukhona lapho iminyaka; ubuze bungakwazi ukukubheka.
Eyesibili ukuphepha okubuthakathaka.
Kuyaziwa ngenye ingqondo evame ukubuya: “Nginokuningi ebhange, ngakho ngizolile”.
Ibhalansi ye-akhawunti yakho enhloko iyisithombe sesikhashana, hhayi umqondo.
Ikutshela lapho ukhona manje, hhayi lapho uya khona, futhi ikakhulukazi ayikutsheli ukuthi lokho “okuningi” kwanele yini ukubhekana nezimanga.
Iba buthakathaka ngezindaba zokuqala ezimbi.
Eyesithathu injabulo enkulu yenzuzo.
Leyo mizwa efika lapho ubheka ichathi yezitshalimali ngemva kwenyanga enhle.
Iyajabulisa, kodwa iyisimo esiguqukayo ngokuchazwa kwaso.
Inzuzo yesikhathi esisodwa ayisona isizinda sokuthula: iwuchungechunge lwemizwa, phezulu naphansi, encike ezinkambisweni ongazilawuli.
Lezi zimo ezintathu zinento ezifanayo: akukho neyodwa kuzo esekelwe ekucaceni komumo wokuthi ingcebo yakho yakhiwe kanjani.
Zontathu zingawa ntambama linye.
Ukuthula okukhulunywa ngako yi-Cashfulness kwehlukile: kwesekwe emumeni, hhayi emzweni.
Izilinganiso ezine esizisebenzisayo ku-Cashfulness
Lapho ngibheka impilo yami yezezimali, futhi lapho i-Cashfulness isiza abasebenzisi bayo ukuba babheke eyabo, sigxile ezinombolweni ezine.
Azizona izinto ezimfihlakele noma ezintsha: umongo, unqunyiwe kwaze kwafika esiqwini, weminyaka eyikhulu yemibono yebhalansi esetshenziswa emuntwini.
Inani Elingasele nokuqhubeka kwalo
Inani Elingasele yisamba salokho konke ongumnikazi wakho (izindlu, ama-akhawunti, izitshalimali, izimpahla) kususwe konke okukukweletayo (izikweletu zezindlu, imalimboleko, izikweletu).
Ngokuqonda okuqondile, yinombolo ekhomba ingcebo yangempela yomuntu noma yomndeni: hhayi ukuthi bathola malini, hhayi ukuthi basebenzisa malini, kodwa ukuthi kubiza malini lokho abakwakhile ngemva kokususa lokho abakukweletayo.
Ngalesi sizathu, ku-Cashfulness, siyibiza ngokuthi Inani Elingasele — igama elivamile elizohamba nawe kusukela manje kuya phambili.
Iyinombolo eyeyisiwe kakhulu kwezezimali zomuntu siqu, futhi ebaluleke kakhulu.
Ibaluleke ngoba iyindawo yokuma.
Hhayi ukuthi kungena malini nyanga zonke, hhayi ukuthi kuphuma malini, kodwa lapho okhona.
Konke okunye kususelwa: izigcinamali ziguqula indawo yokuma, kodwa yindawo yokuma etshela iqiniso lomzuzu.
Ku-Cashfulness, Inani Elingasele lakho lihlaziywa ngemva kwaso sonke isenzo, futhi liyabonakala ekhasini eliyinhloko njengechathi yokuqhubeka.
Yiyona nombolo yokuqala engiyibheka njalo ngesonto, futhi esimema wena ukuthi uyibheke kuqala.
Isilinganiso phakathi kwe-Asset+ ne-Asset−
Isilinganiso sesibili ngumehluko okufanelwe isihloko sawo (sizosishicilela maduzane), kodwa umgomo uchazwa ngamagama ambalwa.
Phakathi kwezinto onazo, ezinye zikhiqiza izigcinamali ezisebenzela wena — ifulethi olihlanyisayo, isitshalimali esikhokhela isabelozabelo, isikhwama esikhula njalo esikhathini.
Yizo ke i-Asset+.
Ezinye zidinga izigcinamali ezikhokhwa nguwe — imoto, umuzi ohlala kuwo, izimpahla zokusetshenziswa — yizo ke i-Asset−.
Abantu ababili abanenani elingasele elifanayo bangaba nezindlela ezahlukene ngokuphelele.
Onenkulungwane ye-60% ku-Asset+ ne-40% ku-Asset− wakha kancane kancane.
Onenkulungwane ye-20% ku-Asset+ ne-80% ku-Asset− uyaqothuka kancane kancane, ngisho noma engakuzwa ngaleso sikhathi.
I-Cashfulness ikhombisa lesi silinganiso kubhodi lokulawula lengqikithi yengcebo, ngamaphesenti kanye nokuqhubeka kwezinyanga ezidlule.
Yisilinganiso sendlela yesikhathi eside.
Izinyanga zokumboza izindleko ngaphandle kwemali engenayo
Isilinganiso sesithathu yisona esikala ngaphezu kwazo zonke inkululeko yakho yangempela.
Sibalwa ngale ndlela: thatha imali esheshayo enawo (ama-akhawunti enhloko, ama-akhawunti okonga, izikhwama ezingashintshwa ibe imali ngaphakathi kwezinsuku ezimbalwa) uhlukanise ngendleko yakho ephakathi zenyanga.
Inombolo ephumayo ikutshela ukuthi zingaki izinyanga ongaphila ngazo umboza izindleko ezijwayelekile ngaphandle kwe-euro eyodwa yemali engenayo entsha.
Izinyanga ezintathu isimo sokungavikeleki: inkinga encane futhi usebunzimeni.
Izinyanga eziyishumi nambili sekukwehlukile: ungathi cha kumphathi wakho, ungathatha inyanga engenamsebenzi, ungenqaba iklayenti elingcolile.
Izinyanga ezingamashumi amabili nane nangaphezulu kuyisilinganiso esehlukile ngokuphelele: ungaguqula impilo yakho, idolobha, umsebenzi.
Kuwukukalwa kokuzimela, hhayi kwengcebo.
Umuntu onemiliyoni empahleni engabakwazi enemali eshesha encane angaba nezinyanga ezimbalwa zokumboza kunomuntu onezinkulungwane ezingamashumi amahlanu ze-euro ku-akhawunti nempilo elula.
Okhululekile akayena ocebile: ngumuntu ongancikile.
Umehluko phakathi kwengcebo ecatshangelwayo nengcebo yangempela
Isilinganiso sesine sona esixakayo kakhulu, futhi yileso obakhamba i-Cashfulness okokuqala akutholi ngokumangala.
Lapho uqala ukusebenzisa i-app, ngaphambi kokwenza ukubalwa okuphelele kwempahla yakho, zibuze, ngokukhumbula, ukuthi ucabanga unani onalo.
Ukuthi malini ebhange, malini ezitshalimalini, izikweletu ezingaki, iyini i-Inani Elingasele lakho.
Bese ufaka izinombolo zangempela.
Umehluko phakathi kwengcebo ecatshangelwayo nengcebo yangempela ihlala njalo imangazayo, ngaleyo noma ngaleyo ncazelo.
Kukhona ocabanga ukuthi unokuningi kunalokho anakho (bese kutholakala ukuthi kabuthakathaka kunalokho abezitshela khona), kukhona ocabanga ukuthi unokuncane (bese ekhululeka ngokuthi impilo yakhe ingcono kunokwesaba kwakhe).
Inkungu yengqondo — ibanga phakathi kwalokho okukholelwayo nalokho okuyikho — ngumgqugquzeli oyinhloko wovalo lwezezimali.
Ngisho izinombolo ezincane, uma zicacile, ziyathulisa. Izinombolo ezinkulu, uma zinkungu, ziyakhathaza.
Yingakho sibheka lo mehluko okokuqala njengesibuko, futhi ezikhathini ezilandelayo njengokuhlola ukulinganiswa: kaningi kangakanani ingqondo yakho isalungelene nangempela nempilo yakho?
Yini oyenzayo ngalezi zilinganiso
Ukuba nezinombolo ezine kubhodi lokulawula akusizi ngalutho uma zingaphenduki zibe umkhuba.
Isiphakamiso sethu silula futhi silula: imizuzu eyishumi, kanye ngesonto.
Ngoklela ntambama, noma ngoLwesihlanu ntambama, noma ngeSonto ekuseni ukhona ikhofi — usuku alubalulekile kunokuqhubeka.
Vula i-Cashfulness bese ubheka izinto ezine ngokulandelana.
Vula ikhasi eliyinhloko futhi ufunde Indawo Eqondile Yomkhumbi.
Indawo eqondile yomkhumbi yigama elithathwe kokubhekisa umkhondo: kuyindawo eqondile lapho ukhona emephini ngesikhathi esithile.
Ku-Cashfulness kuhambisana ne-Inani Elingasele lakho lamanje, indawo yakho eqondile yomkhumbi.
Ekhadini lasekhasini lokulawula ubuye ubone ukuthi Inani Elingasele lakho lishintshe kangakanani kusukela ekuqaleni konyaka: indlela isayigcina yini? Ibe mbi na? Ithuthukile na?
Ngaphandle kokwahlulela, ukufunda kuphela.
Bese ubheka isilinganiso phakathi kwe-Asset+ ne-Asset−.
Uyakha imali ekhiqizayo noma uyayiqothula?
Akukho okumele ukwenze kulesi sikhathi, ukuqaphela kuphela.
Bese izinyanga zokumboza.
Ungaphezu komngcele wakho wokuthula?
Umngcele wakho yilowo osunqume ukuthi ufanele wena — hhayi inani elichaziwe.
Ekugcineni, umbuzo owodwa kuphela. Ikhona okumele kulungiswe, noma icebo lisagcina?
Impendulo eningini elikhulu lamasonto ithi: icebo lisagcina, akukho okumele kwenziwe.
Ngaso sonke isikhathi isonto elithile, impendulo ithi: kukhona okumele kulungiswe — futhi kuleyo mo wenza isinqumo esincane, hhayi esikhulu.
Cishe akwenzeki isenzo esikhulu. Cishe njalo ukuvumelanisa okuncane kwendlela.
Ukuthula wakhiwa ngokulingana. Inkululeko yakhiwa ngokwehlukanisa ama-asset akhiqizayo kulawo abizayo.
Ukuthula kwangempela kuvela lapha.
Hhayi ekungacabangi ngemali futhi hhayi ekuhlaleni uzolile.
Kuvela ekuqinisekeni ukuthi kukhona indawo lapho konke kubhaliwe khona, futhi kwanele ukuyibheka imizuzu eyishumi ngesonto.
Ukuthula njengengqalasizinda
Kufanele sibuyele embuzweni wokuqala, ngoba manje sekunempendulo.
Ukuthula kwezezimali akusiyo imizwa okufanele ikhuliswe futhi akusona isimo sokuzindla okufanele sifinyelelwe.
Kuyingqalasizinda.
Yakhiwa ngamathuluzi ahambisanayo — ukubhalisa okuphindaphindiwe okwenza umsebenzi othulile ngaphansi kwehhavudi, izilinganiso ezine eziyikhipha ebusweni, umkhuba olula ogcina kuphila.
Ingqalasizinda inesici esibalulekile: uma isakhiwe, iyanyamalala.
Wena uphila impilo yakho, usebenza, unakekela abantu obathandayo, wenza amaphrojekthi ofuna ukuwenza.
Izezimali zikhona lapho, zihlelekile, futhi wena udlula kuzo imizuzu eyishumi ngesonto ukuhlola ukuthi indlela isagcina.
Isikhathi esisele awucabangi ngazo, futhi kulungile kanjalo.
I-Cashfulness ifuna ukuba yileyo ngqalasizinda.
Ithule, iqinile, ayiphazamisi.
Akusiyo i-app ekubhubhudlela ngamabheji nezaziso ukuthola ukunaka — iyi-app etholakala uma uyifuna, futhi ekushiya uzolile isikhathi esisele. Izaziso ezisizayo — isexwayiso uma isabelomali sizoseqa, isiphakamiso uma izinombolo zisho ukuthi ungakwazi ukonga — zihlala zitholakala njengokuzikhethela, azivele zivuliwe.
Yileso isithembiso sayo, futhi kuyona futhi, ekugcineni, incazelo yethu yokuthula.
Uma ufuna ukujula kule ndlela engemuva kwalezi zilinganiso — ukubhalisa okuphindaphindiwe okusetshenziswa kwezezimali zomuntu siqu, ngendlela esebenzayo eyakhelwe eminyakeni eyishumi nanhlanu yesipiliyoni ne-GNUCash — ngikubhalile encwadini, Strategie per la Finanza Personale, etholakala ku-Amazon. Yileyo inhlabathi i-Cashfulness ekhulele kuyo.
Uma ufuna ukuba phakathi kwabantu bokuqala ukuyisebenzisa, sikulindele ohlwini lokulinda lwe-beta ku-cashfulness.com/beta.
Futhi uma ufuna ukuqonda isendlalelo esilandelayo — umehluko phakathi kwe-Asset+ ne-Asset− oyisakhiwo sesu sakho konke — sizokhuluma ngawo esihlokweni esilandelayo.
— Vittorio