Ukuba Uneminyaka engama-30-Ngaphandle koTyalo-mali, yile nto uyenzayo ngokungalunganga!

Ngenye imini bendithetha nomfazi wam malunga nokutyala imali esitokisini kunye neebhondi kwipotfoliyo yethu entsha yotyalo-mali.

I-angle yam kule ncoko yayingaphezulu, masithathele ingqalelo ezinye iindlela ekwahluleni ubutyebi bethu - kunokuba bekunjalo masityale imali eninzi apho sele sinayo.

Ke kwenye indawo phakathi waphulukana nomdla kule ncoko wathi, "Masityale yonke into kwiibhondi."

Andiqinisekanga ukuba wayemamele yena kodwa ndiyathembisa: -

Ndiza kuzama ukucacisa ukuba kutheni enokuba engalunganga ngakumbi kunakwiposti yethu elandelayo.

Namhlanje nangona kunjalo, yimpumlo yam kwishishini lakho.

Uthembise umama wakho ukuba uza kuba notyalo-mali ngama-30.

30 ulapha, unantoni?

Akukho nto?

Ndiza kukunceda uqonde ukuba kutheni ukuza kuthi ga ngoku ungenanto.

1. Awuyilandeleli inkcitho yakho.

Ubusazi ukuba: -

Owona msebenzi wam mhle wandifumana i-KES. I-150,000 ngenyanga.

Umsebenzi wam ohlawula kakhulu kwelinye icala wandifumana iKsh. 35,000 ngenyanga.

Akukho mali ingako- kodwa ilogic kuthetha ukonga ingqekembe yosuku olunethayo.

Kwaye unokuyicinga loo nto Kenn Omollo apha -Okwakho ngokwenene-umcebisi wotyalo-mali ugcinwe okanye utyalwe kakhulu kwiintsuku ze-hay.

Ewe, awungekhe ulunge ngakumbi! Andigcinanga nesenti. Nam andityalanga mali.

Kwaye akungenxa yokuba ndandinoxanduva oluninzi okanye ndiphila ngaphaya kwamandla am.

Kwirekhodi nje,

Ndiphantsi kweminyaka engama-30

Ndihlawule irenti yeKsh. 3,000 ngelona xesha lide.

Andizange ndindwendwele nayiphi na indibaniselwano ye-BBQ- kuba ndingumntu otya inyama

Andizange ndichithe ubusuku kwiklabhu, kwi-pub, okanye kwezo ndawo zidibeneyo zihamba iminyaka eyiwaka - kuba andiseli.

Khange ndiwadle amanqaku amdaka kumantombazana- kuba nditshatile Qinisekisa noMnu Green Apha. Mnu Green anditshatanga? -

Ngubani obuza lo mbuzo, yayaphi imali yam?

I-80K dibanisa ngenyanga? Ayisiyo ingqekembe zemali?

Impendulo yam ngokunyaniseka?

Andazi!

Nantsi ke into malunga nokungalandeleli yonke ingqekembe yenkcitho yakho, ungayibetha inombolo yomlingo-30 ngaphandle kwengqekembe yokuqhayisa ngayo.

Nantsi indlela onokuzilanda ngayo izinto ozithengileyo ukuze uguqule imeko engeyiyo yemali nangona

• Rekhoda izinto ozithenga mihla le kwincwadana yamanqaku, kwispredishithi sekhompyuter, okanye naphi na...
• Khuphela usetyenziso lolawulo lwemali yobuqu kwiVenkile yePlay ukukunceda ulandelele yonke into oyithengayo
• Vulela iqabane lakho malunga nemali yakho - mayibe liliso lakho. Uyakumangaliswa kukuba ungonga / utyale imali engakanani ukuba uza kuphendula ngayo yonke imali oyisebenzisileyo.

Yintoni onokuyityala imali ngokufumana umvuzo ovuthiweyo 

Unokutyala imali ngayo nayiphi na into oyisindisayo ekulandeleleni iindleko zakho kwii-equity okanye kwiibhondi. Okanye isitokhwe - ukuba unqunyulwe umngcipheko. kwaye ukhetho ukuba ufuna inkululeko ngengeniso yakho.

Ngasinye kwezi zicwangciso zotyalo-mali siqinisekisa ukuba imali yakho ikusebenzela. Kwaye kwezinye, inkunzi yakho ikhuselwe. 

Inxalenye engcono?

Ungatyala imali encinci njenge Ksh. I-100.

Iinkampani zoTyalo-mali oluyinyani zokuGcina iliso eKenya 

Ku trade kwizitokhwe kwiNairobi Securities Exchange – Khuphela i abacus I-App-Olunye ukhetho lotyalo-mali olukhoyo lubandakanya iibhondi kunye namatyala (eza kucetyiswa kakhulu) kunye neyunithi yokuthembela. Ubuncinci botyalo-mali Ksh. 200

Gcina imali kwiNgxowa mali yeMali. UZimele Ingxowa mali yemalike / isicwangciso semali yokonga ubuncinci Ksh. 100. Kwaye ungarhoxisa inzuzo yakho ngokusebenzisa i-Mpesa.

Ingcebiso- Iimali zentengiso yemali kunye neebhondi sisikimu esilungileyo sokutyala imali kuba sikhusela ikapitali yakho kwaye sikufumane nomdla ekuhambeni kwexesha. Ubuncinci iinyanga ezi-6 

2. Ukuba awuzange utyale imali ngama-30 emva koko amathuba okuba uQhele ujikeleze abantu abangalunganga

Anikholwa mna?

KULUNGILE. Nyaniseka kuwe.

Uxabisa malini?

Ngaba baxabiseke kangakanani abahlobo bakho abasondeleyo?

Ngaba amanani awafani?

Kwaye ukuba amanani asondele kwinto, ke amathuba, axhonywa kunye nabantu abahluphekayo.

Kwaye yintoni elungileyo eza kuvela kwiintlanganiso zakho zentlalo rhoqo ukuba ezona zimvo zishishini zibalaseleyo nithetha ngazo ziqala njani ivenkile yemovie. Uyiqala njani indibanisela yomsi. Okanye ungaqala njani ukuthengisa iimpahla zemitumba eGithurai?

Inqaku lam?

Ukuze ube sisigidi kufuneka ube ngumhlobo nezigidi.

Ukuze ube ngumtyali mali omkhulu kuya kufuneka ucinge njengabatyali-mali abakhulu.

Hamba nabo.

Thetha nabo.

Yazi ukuba yintoni ebenza bahluke kwaye baphumelele.

Kwaye ukuba awuzukufumana ooMidiyoni abangaka ebumelwaneni bakho, ndwendwela iindawo zabo ze-hangout.

EKenya uya kufumana abona bantu bazizityebi/abatyali-zimali eNyanza Club (eKisumu), Kakamega Golf Club, Royal Nairobi Golf Club, kunye neRotaract Clubs… chaza amaqela.

Bayeke bakubone.

Yiba ngumhlobo kunye nabo.

Ngenxa yokuba ngamanye amaxesha isidlo okanye ezimbini kunye nendoda ecebileyo yonke into oyifunayo ukuze ufumane ingcamango yotyalo-mali eluncedo kakhulu.

Inqaku lam? Ukukhula kwenethiwekhi yakho kuya kukunceda ukhulise ixabiso lakho. 

3. Ukuba awunalo utyalo-mali kwiminyaka engama-30, mhlawumbi awukuthandi ukufunda

Ukuba asikho isidingo sokugcina imali, Isizathu kuphela esinokuthi ungayi kutyala imali kwityala lesiqhelo kukuba uyakuthiya ukufunda.

Kwaye ukufunda kunxulumene njani nokukhulisa imali yakho?

Ukufunda kubalulekile kuba kukunika iinkcukacha ngotyalomali onomdla kulo.

Awuyikholelwa lonto?

Ndibonise usozigidi ozenzelayo ongafundiyo ndikuxelele ukuba kutheni exoka ngemithombo yakhe yobutyebi.

Uninzi lwabantu abazizityebi bafunda ukwandisa ulwazi lwabo.

Ukuze ufunde ngakumbi malunga nento abatyala imali. Kwaye ufumane iinkcukacha zento abafuna ukuyityala imali.

Zama uMasiyiwa kwenye yezithuba zakhe zikaFacebook uthi, “Ukuba ufuna ukuphumelela, uya kudinga izakhono ezininzi ezikhethekileyo kwezoshishino, kodwa mhlawumbi esona sibalulekileyo siya kukumangalisa: kukukwazi UKUFUNDA! Ewe, FUNDA!”

Kwaye ndiyakholelwa ithiyori yakhe kuba yibhiliyali kunjalo nje kwaye ufunda.

#Umngeni

Ngaba ukufunda akunakuba sisizathu sokuba ungabinalo naluphi na uhlobo lotyalo-mali olukulo? Zama ukufunda kwaye utyale imali kwaye undixelele ukuba imali yakho ayikhuli ngokukhawuleza.

4. Unoloyiko lokuphulukana neRhuluneli yakho kwiNdawo eNtsha yokushishina.

Okhawulezayo,

Yimalini onayo ngoku?

Imali ongathanda ukuyityala kodwa qhubeka ubambelele kuyo kuba usoyika ukuphulukana nayo yonke into ekuhambeni kwexesha.

Nantsi inyani!

Kuya kudlula usuku.

Iiveki ziya kudlula.

Ixesha liza kuphela.

Unyaka uzakuphela.

Kwaye ukuba usatya ukuyeka, awuyi kutyala imali.

Nantsi enye inyani.

Okukhona ubambe le mali ixesha elide, kokukhona amathuba akho okuba uyichithe ngexesha likaxakeka okanye ukuzonwabisa nje.

Ziya kudlula iiveki,

Iinyanga. Iminyaka. Iminyaka.

Kwaye useza kuba hlwempuzekile xa enyanisweni, ngewutyale le mali kutyalo-mali olungenamngcipheko ukuqinisekisa ukhuseleko lwenkunzi yakho kwaye usenenzala ehlanganisiweyo.

Imakwe Nge : Ukutyala imali kwiibhondi • Ukutyala imali kwiimali • Ukutyala imali eKenya • Ingxowa yentengiso yemali • Icandelo lokuthenjwa • Abatyali mali abancinci