Kunombuzo ohlala ulandela omunye.
Kuqala uzibuza ukuthi izinyanga ezingaki zokumboza okufanele uzigcine zingasetshenziswa — ezintathu, eziyisithupha, inombolo eyenza ulale ngokuthula uma kusasa imali engenayo imiswa. Ngibhale ngalokho esihlokweni esikhethekile, futhi lapho umbuzo wawuphela.
Kepha empilweni yangempela, ngokushesha nje lapho usunqumile ukuthi zingaki, kuvela omunye umbuzo ngokushesha: ngizifake kuphi?
Usunqumile ukuthi udinga, masithi, ama-euro angu-10,000 njengesihlangu sokuvikela. Kulungile. Zohlala zimile ku-akhawunti yemihla ngemihla? Ziye ku-akhawunti yediphozithi? Ikhona yini into engcono, ngaphandle kokuyenza ukutshalwa kwezimali kwangempela?
Lo ngumbuzo osebenzayo, ophansi, futhi ufanelwe impendulo esebenzayo.
Isethulo esiqotho, esisebenza kulesi sihloko sonke: lokhu akulona iseluleko sezezimali. Angikutsheli ukuthi yimuphi umkhiqizo ongawuthenga, noma iyiphi ibhange. Ngizokunika isilinganiso sokucabanga ngaso, kanye nezibonelo ezimbalwa ukuze ngikwenze kube yinto ebonakalayo. Izinqumo zihlala ezakho.
Okusheshayo akusho "ukumila"
Masiqale ngokungaqondakali okulimazayo.
Abaningi bacabanga ukuthi "ukugcina okusheshayo" kusho ukumisa nje imali bese uyiyeka njalo. I-akhawunti yemihla ngemihla, ibhalansi engahambi, uhlobo lwesitolo esingahambi.
Futhi njengoba umqondo wemali engahambi ukhathaza — okuqondile — izinto ezimbili zenzeka, zombili ziyiphutha.
Bakhona abagcina konke ukumboza kwabo ku-akhawunti yemihla ngemihla enephesenti eliyi-zero, futhi minyaka yonke ukwenyuka kwamanani kudla ucezu ngokuthula.
Futhi bakhona, ukuze bangayimoshi, abayifaka kokunye ukutshalwa kwezimali abangeke basakwazi ukuphuma kuko ngokushesha — futhi lapho kufika into engalindelekile, bathola ukuthi isihlangu sokuvikela sasithungwe saqina.
Okusheshayo akusho ukumila. Kusho ukutholakala.
Ngikukhumbuza incazelo, ngoba lapha yikho konke: okusheshayo yimali ongayisebenzisa ngaphakathi kwamahora angu-24 ngaphandle kokuthengisa okunye. Akuyona imali engenzi lutho — imali ephendula ngokushesha lapho uyibiza.
Futhi izindaba ezinhle ukuthi zikhona izindlela zokuyigcina itholakala futhi iyenze ithole okuncane. Kuncane kakhulu, kepha kukhona okuthile, ngaphandle kokukhaphela injongo yayo. Kudingeka nje ukuthi ukhethe ithuluzi elifanele umsebenzi ofanele.
Isilinganiso esiza ngaphambi kwenzuzo
Uma kukhulunywa ngokutshalwa kwezimali, umbuzo wokuqala kubo bonke uthi: kunikeza malini?
Esihlangwini sokuvikela, lowo mbuzo uya endaweni yesibili. Endaweni yokuqala kukhona omunye umbuzo: kubuya kutholakala ngokushesha kangakanani, futhi ngobuqiniso obungakanani?
Ngikubiza ngokuthi ukufinyeleleka.
Esabelweni sokumboza — futhi kuphela kuso lokho — ukufinyeleleka kunqoba inzuzo. Njalo. Isizathu siqondakala kangcono ngesibonelo.
UMarco ugcina ukumboza kwakhe okungama-euro angu-10,000 kusikhwama esinikeza u-4% ngonyaka, kepha ukuphuma kuso kuthatha izinsuku eziyishumi futhi, ngezinye izikhathi, uphuma ulahlekelwa.
Iminyaka emibili uzuza ama-euro angu-400 ngonyaka futhi azizwa ehlakaniphile. Ngemva kwalokho, ngoLwesibili othile, into engalindelekile: udinga imali yakhe ngaphakathi kwamahora angu-48. Isikhwama sinosuku olubi, uphuma ngama-euro angu-600 ngaphansi kwenani lakizolo, futhi ngaphezu kwalokho udinga ukulinda.
Iminyaka emibili yenzuzo — ama-euro angu-800 — ishile ekuthengiseni okusheshiswayo, kanye nengcindezi yokulinda ngesikhathi into engalindelekile isondela.
Ukumboza akulona indawo lapho kuphikiswana khona ngenzuzo. Kuyindawo lapho uthenga khona ubuqiniso bokufinyelela. Inzuzo lapho iyibhonasi encane oyithathayo uma kungabizi ukufinyeleleka. Akulona okuphambene, nakanini.
Kugcine njengekhampasi kukho konke okulandelayo: ukufinyeleleka kuqala, inzuzo emva kwalokho.
Amabhakede amathathu, ngokwezinga lokufinyeleleka
Kunokucabanga ngokwemikhiqizo — eshintshashintshayo, enamagama ahlukene ezentengiselwano, futhi engelona ilungelo lami ukuwancoma — masicabange ngokwebhakede. Amazinga amathathu ancipha okufinyeleleka.
Umqondo ukuthi ungafaki konke ukumboza kwakho endaweni eyodwa, kodwa ukusakaze kula mazinga kuya ngokuthi ungadinga ngokushesha kangakanani.
Ibhakede 1 — Lokho okudingayo khona manje
Ibhakede lokuqala yi-akhawunti yemihla ngemihla. Ukufinyelela okusheshayo, akukho ukungqubuzana, ukhokha ngokuqondile kuyo.
Cishe njalo ayinikezi lutho. Futhi kulungile kanjalo, ngoba ayikho lapho ukuze inikeze inzuzo: ikhona ukuze ibe khona ngokushesha.
Ungagcina malini lapho? Ingxenye yokumboza ongase ngempela uyidinge nganoma yisiphi isikhathi. Inyanga eyodwa yezindleko ezimisiwe, mhlawumbe ezimbili. Hhayi ngaphezulu.
Konke okugcina ku-akhawunti ngaphezu kwalo mncintiswano akusebenzi, futhi akudingi nokuba khona lapho ukuze kwenze umsebenzi wakho. Yingxenye ongayidlulisela ebhakedeni lesibili ngaphandle kokulahlekelwa nangokuncane ukuthula.
Ibhakede 2 — Lokho okudingayo ngaphakathi kwezinsuku ezimbalwa
Ibhakede lesibili yi-akhawunti yediphozithi ekhululekile: iakhawunti ehlukene lapho umisa khona imali, uthola inzalo encane, futhi uyikhiphe noma nini oyifisayo — ngaphandle kokubotshwa nangaphandle kwezijeziso.
Qaphela leyo gama, ekhululekile. Zikhona nezikhwama zediphozithi ezibotshiwe: amazinga aphezulu kancane, kepha imali ihlala ivaliwe izinyanga eziyisithupha, eziyishumi nambili, noma ngaphezulu. Ekumbozeni, iakhawunti ebotshiwe iyisinyathelo esingaphandle kancane — ingakwazi ukuya ebhakedeni lesithathu, futhi ngizobuyela kulokho maduzane.
I-akhawunti yediphozithi ekhululekile iyinhliziyo yalesi sihlangu sokuvikela. Yilapha okufanele kube khona ingxenye enkulu kunazo zonke yokumboza kwakho: itholakala ngaphakathi kwezinsuku ezimbalwa, ehlukene ku-akhawunti yokusebenza yemihla ngemihla ukuze ingaxubani nemali yenyanga, futhi inenzuzo encane ehlehlisa kancane ukwenyuka kwamanani.
Kukhona nenzuzo yengqondo, hhayi eyezezimali kuphela. Ukugcina ukumboza kwakho ku-akhawunti ehlukile kunale yemihla ngemihla kwenza kube ngcono kancane ukulingeka: awuyiboni ebhalansini yokusebenza, awuyi "chithi ngephutha." Ikhona lapho, imile futhi itholakala, kepha ingaphandle kokufinyeleleka kokuchitha ngokungacatshangelwe.
Ibhakede 3 — Lokho okungalinda ezinye izinsuku ezengeziwe
Ibhakede lesithathu lingele ingxenye "engaphandle kakhulu" yokumboza: ingxenye, ngeqiniso, ongeke uyidinge kumahora angu-48 okuqala ento engalindelekile, kodwa kamuva.
Lapha kungena izinsiza zesikhathi esifushane kakhulu futhi eziqaphela kakhulu.
Ngicabanga ngamabhondi kahulumeni anesikhathi esiseduze sokuphelelwa — isibonelo, amabhondi kahulumeni afushane esikhathi aphelelwa yisikhathi ngaphakathi kwezinyanga ezimbalwa. Noma izikhwama zemakethe yemali: imikhiqizo eqaphela kakhulu etshala kumasekhulithi anesikhathi esifushane kakhulu, lapho uphuma khona ngaphakathi kwezinsuku ezimbalwa.
Lezi zisesenduze nomqondo wokusheshayo — zinenani nsuku zonke, ziphenduka zibe yimali ngokushesha — kepha kukhona isinyathelo esincane esengeziwe: izinsuku ezimbalwa zesikhathi, kwesinye isikhathi ukunyakaza okuncane kwenani, kwesinye isikhathi izindleko zokungena noma zokuphuma.
Yingakho ngizigcina ebhakedeni lesithathu, hhayi elesibili. Futhi yingakho, lapha, isethulo sangaphambili sisebenza kabili: qonda kahle izindleko, isikhathi, nemibandela yakho ngayinye ngaphambi kokuzibophezela. Akulona indawo yokwenza ngokungahlelekile.
Futhi le akhawunti yediphozithi ebotshiwe engike ngayikhuluma? Ikhona lapha, kuleli bhakede, futhi ngesimo esisodwa kuphela: ukuthi wamukele ngokuqonda ukubotshwa njengentengo yenzuzo ephezulu kancane, wazi ukuthi leyo ngxenye ngeke "ngokushesha" iphendule ekubizweni. Uma uyifaka lapha, faka ingxenye yokumboza engempela engalinda.
Ukuthi kusatshalaliswa kanjani, ekusebenzeni
Masihlanganise amabhakede amathathu ngesibonelo.
UGiulia usebalile ukumboza kwakhe: izinyanga eziyisithupha, okulingana nama-euro angu-12,000 (izindleko ezimisiwe zama-euro angu-2,000 ngenyanga).
Angakwazi ukuwahlukanisa kanje:
Ku-akhawunti yemihla ngemihla, cishe inyanga nengxenye — masithi ama-euro angu-3,000. Lokhu ngumaseko wokuqala, othatha umthelela emahoreni okuqala.
Ku-akhawunti yediphozithi ekhululekile, ingxenye enkulu kunazo zonke — ama-euro angu-7,000. Itholakala ngaphakathi kwezinsuku ezimbalwa, ehlukene, futhi nenzuzo encane esebenza ilwe nokwenyuka kwamanani.
Kubhakede lesithathu, insalela yama-euro angu-2,000 ezinsizeni zesikhathi esifushane kakhulu noma ekubotshweni okwamukelwe ngokuqonda — ingxenye, ngeqiniso, angeke ayidinge ezinsukwini zokuqala.
Lezi zinombolo aziwona umthetho. Yindlela eyodwa, eyikaGiulia. Umxube wakho uncike ekutheni kunengqondo kangakanani, empilweni yakho, into engalindelekile efika ngesivinini kunaleyo ekunikeza izinsuku ezimbalwa zesixwayiso: onemali engenayo ezinzile angagcina okuncane ku-akhawunti yemihla ngemihla futhi okuningi ku-akhawunti yediphozithi, onemali engenayo engalindelekile kuhle ukuthi akhulise ibhakede lokuqala.
Umthetho, munye kuphela, uyilowo osewukhulunywe: imali engaphandle kakhulu iphinde ibe engenakufinyeleleka kalula, akulona okuphambene, nakanini. Ungayimisi isihlangu sokuvikela sesimo esiphuthumayo lapho kuthatha isikhathi eside kakhulu ukuyivula.
Ukumboza akusiwo umthwalo
Kukhona umcabango engifuna ukuwususa endleleni, ngoba ngicabanga ukuthi yiwona impande yengxenye enkulu yamaphutha mayelana nokusheshayo.
Umqondo wokuthi ukumboza ngumthwalo ofile. Isisindo esingasizi lutho. Imali "engenzi lutho" futhi, ngempela, ebingaba ngcono isetshenziswe kwenye indawo.
Akuwona umthwalo ofile. Kuyisikhathi esikusebenzelayo.
Lawa ma-euro angu-12,000 kaGiulia awamile engenzi lutho. Enza into ebaluleke kunazo zonke: amthengela isikhathi sokusabela ento engalindelekile ngaphandle kokwenza izinqumo eziyize. Sokungathengisi ukutshalwa kwezimali okuhle ngesikhathi esibi kunazo zonke. Sokungamukeli umsebenzi wokuqala otholakalayo ngenxa nje yokuthi uphetroli seluphelile. Sokubheka inkinga isuka phezulu, hhayi ngamanzi asefikile entanyeni.
Leyo "nzuzo" awuyiboni esitatimendeni sasebhange. Uyibona ekhwalithini yezinqumo ozenzayo lapho izinto ziba mbi. Futhi iyinzuzo ephezulu kakhulu — ilinganiswa nje ngokuthula, hhayi ngamaphuzu amaphesenti.
Kusho lokho, kanjalo yingoba ukumboza kuligugu ukuthi akufanele kuchithwe ngokweqile. Ukugcina izinyanga eziyishumi nanhlanu zokumboza "ngenxa yokuqinisekisa," konke ku-akhawunti yemihla ngemihla, akuseyona ukuqapha: yingxenye yengcebo yakho ebingase ibe yakha i-Asset+ yakho, kepha yashiywa ukuba iguge.
Ukumboza okufanele, okugcinwe ezindaweni ezifanele, akuwona amaningi kakhulu futhi akumile. Kuyisikhathi ngqo osidingayo, simiswe lapho siphendula khona lapho ukubiza.
Kuyini okuhlobene ne-Cashfulness
Amazwana mayelana nokuthi konke lokhu kuxhumana kanjani ne-app, ngoba kufanele ukuba nesiqiniseko.
I-Cashfulness ikutshela ukuthi zingaki izinyanga zokumboza onazo: iyibala yona ngokwayo ngaphakathi kwendawo yakho eqondile yomkhumbi, ihlukanisa imali yakho esheshayo ngezindleko zakho ezimisiwe zenyanga. Kuyinye yezilinganiso ezine zempilo yakho yezezimali.
Futhi iyazi ukuthi yini esheshayo ngaphandle kokuba udinge ukuyitshela: ama-akhawunti asheshayo yilawo angaphansi kuka-"Asset+ esheshayo" no-"Asset− esheshayo," izigaba ezimbili zesistimu ezihlala zikhona. Akulona uphawu oluwenza ngesandla — ukwakheka kohlelo lwama-akhawunti ngokwakho yikho okutshela i-app ukuthi yimuphi imali ephendula ngokushesha ekubizweni, futhi yilapho ithola khona izinyanga zokumboza.
Osekufundile lapha — ukuthi yimaphi amabhakede okuhlukanisa lezo zinyanga — yisona sinyathelo esilandelayo: isinqumo ozenzela sona, ngaphandle kwe-app, nebhange lakho nezinsiza zakho. I-Cashfulness ayithengisi imikhiqizo yezezimali, ayikuqondisi ku-akhawunti yediphozithi noma kusikhwama, futhi ayinasithakazelo esifihlekile mayelana nokuthi imisa kuphi okusheshayo kwakho. Ikunikeza inombolo yendawo, umnyakazo ungowakho.
Uma ubhala imithelela phakathi kwe-akhawunti eyodwa nenye — udlulisela ama-euro angu-7,000 evela ku-akhawunti yemihla ngemihla uye ku-akhawunti yediphozithi, isibonelo — indawo yakho eqondile yomkhumbi ayishintshi nangeyodwa i-euro.
Yi-double-entry bookkeeping eqinisekisa lokho: umthelo ngamunye ubhalwa kabili, ezinhlangothini ezimbili ezilinganisayo, ukuze kungabi khona okushonayo futhi ingcebo yakho ihlale iyiqiniso. Ukudluliselwa kwangaphakathi phakathi kwezikhwama zakho ngokwakho akukwenzi ube ngumcebo noma umpofu, futhi i-app ibonisa ngqo lokho.
Okuthi, uma kucatshangwa, kuyibufakazi bokubhalwa kwamabhuku bombono wale ndaba iphelele: ukudlulisela ukumboza ebhakedeni elifanele akushintshi ukuthi uyimali engakanani. Kushintsha nje ukuthi leyo mali ilungele kanjani ukukuvikela.
Emgqeni owodwa
Nquma ukuthi zingaki izinyanga ozogcina — yileso isilinganiso.
Bese uzisakaza ngokwokufinyeleleka: okuncane kakhulu okudingekayo ku-akhawunti yemihla ngemihla, ingxenye enkulu ku-akhawunti yediphozithi ekhululekile, umsila ongaphandle kakhulu ezinsizeni zesikhathi esifushane kakhulu ozizwisisile ngempela.
Futhi khumbula ukuthi awukho lutho olumisiwe.
Umisa isikhathi. Endaweni ephendula ngokushesha kunazo zonke, ngosuku oyibiza ngalo.
— Vittorio