Uma Uneminyaka Engama-30 - Ngaphandle Kokutshalwa Kwezimali, Yilokhu Okwenza Okungalungile!

Ngelinye ilanga bengikhuluma nonkosikazi wami ngokutshala imali kumasheya namabhondi ephothifoliyo yethu entsha yokutshala imali.

I-angle yami kule ngxoxo ibingaphezulu kokuthi, ake sicabangele ezinye izinketho ekwahlukaniseni ingcebo yethu - kunokuba bekunjalo ake sitshale imali eningi lapho sesivele sinayo.

Bese kuthi phakathi nendawo avele alahlekelwe yintshisekelo kule ngxoxo bese ethi, "Ake sitshale konke ekuboshweni."

Anginaso isiqiniseko sokuthi ubezilalela yini kodwa ngiyathembisa: -

Ngizozama ukuchaza ukuthi kungani engase abe nephutha kakhulu kunokulungile kokuthunyelwe kwethu okulandelayo.

Namuhla kodwa, kuyikhaleni lami ebhizinisini lakho.

Uthembise umama wakho ukuthi uzoba notshalomali oluthile ngama-30.

30 ulapha, unani?

Lutho?

Ngizokusiza uthole ukuthi kungani kuze kube manje awunalutho.

1.Awulandeleli Ukuchitha Kwakho Imali.

Ubuwazi ukuthi: -

Umsebenzi wami omuhle kakhulu ungitholele ama-KES. 150,000 njalo ngenyanga.

Ngakolunye uhlangothi umsebenzi wami oholela kabi kakhulu wangiholela i-Ksh. 35,000 ngenyanga.

Hhayi imali engaka - kepha ukuqonda kusho ukonga imali yosuku olunethayo.

Futhi ubungakucabanga lokho Kenn Omollo lapha - okwakho ngokweqiniso - umeluleki wokutshala imali ulondoloze noma utshale imali eningi ezinsukwini ze-hay.

Hhayi-ke, awungeke ulunge ngokwengeziwe! Angigcinanga ngisho isenti. Futhi angizange ngitshale imali.

Futhi akungenxa yokuthi nganginomthwalo wemfanelo omningi noma ngangiphila ngaphezu kwamandla ami.

Okwerekhodi kuphela,

Ngisengaphansi kweminyaka engama-30

Ngikhokhele irenti ye-Ksh. 3,000 isikhathi eside kakhulu.

Angikaze ngivakashele noma iyiphi ilunga le-BBQ - ngoba ngingumuntu odla imifino kuphela

Angikaze ngichithe ubusuku bonke eklabhu, indawo yokucima ukoma, noma kulawo malungu amahle abantu beminyaka eyinkulungwane abaya kuwo - ngoba angiphuzi.

Angizange ngidle amantombazane amanothi ansundu - ngoba ngishadile. Qinisekisa noMnu Green Lapha. Mnu Green angishadile? -

Okubuza umbuzo uthi, imali yami iye kuphi?

I-80K plus ngenyanga? Hhayi imali?

Impendulo yami eqotho?

Angazi!

Nansi into ngokungalandeli yonke imali oyisebenzisayo, ungashaya inombolo yomlingo - 30 ngaphandle kwemali ozoziqhayisa ngayo.

Nakhu ukuthi Ungakulandelela Kanjani Ukuthengwa Kwakho Ukushintsha Lowo Mkhuba Omubi Wemali Noma

• Rekhoda ukuthenga kwakho kwansuku zonke ku-notebook, isipredishithi sekhompyutha, nanoma yikuphi...
• Landa izinhlelo zokusebenza zokuphatha ezezimali zomuntu siqu ku-Google Play Isitolo ukuze zikusize ulandelele konke ukuthenga okwenzayo
• Vulela umlingani wakho mayelana nezezimali zakho - mababe ngabaphathi bakho. Uyomangala ukuthi ungonga / utshale malini uma uzophendula ngayo yonke imali oyisebenzisayo.

Ongatshala Kuyo Ngomuholo Wakho Oyilondolozile 

Ungatshala noma yini oyilondolozayo ekulandeleleni izindleko zakho kuma-equities noma kuma-bond. Noma amasheya - uma unqunyelwe ubungozi. Futhi izinketho uma udinga inkululeko ngenzuzo yakho.

Ngayinye yalezi zinhlelo zokutshala imali iqinisekisa ukuthi imali yakho iyakusebenzela. Futhi kwezinye, imali yakho eyinhloko ivikelekile. 

Ingxenye engcono kakhulu?

Ungatshala imali encane njengo-Ksh. 100.

Izinkampani Zotshalomali Zangempela Ukugcina Iso eKenya 

Kuya trade esitokweni eNairobi Securities Exchange - Landa i Abacus Uhlelo lokusebenza - Ezinye izinketho zokutshala imali ezitholakalayo zifaka phakathi amabhondi nezikweletu (kuza okunconywe kakhulu) kanye ne-unit trust Utshalomali oluncane Ksh. 200

Tshala imali kwizimakethe zeMali. UZimele Isikhwama semakethe yemali / uhlelo lokonga imali okungenani i-Ksh. 100. Futhi ungakhipha inzuzo yakho ngokusebenzisa i-Mpesa.

Ithiphu - Izimali zemakethe yemali namabhondi uhlelo oluhle lokutshala imali ngoba zivikela imali yakho futhi zikutholela inzalo ngokuhamba kwesikhathi. Ubuncane bezinyanga eziyi-6 

2. Uma Ungazange Watshala imali ngama-30 Bese Amathuba Ngabe Ngabe Ubalele Abantu Abangalungile

Awungikholwa mina?

KULUNGILE. Zithembeke kuwe.

Uyimalini?

Bangakanani abangane bakho abaseduze?

Ingabe izibalo azifani?

Futhi uma izibalo ziseduzane, akukho-ke amathuba, uhlangana nabantu abampofu.

Futhi kuzokutholani okuhle okuzoqhamuka emihlanganweni yenu yenhlalo ejwayelekile uma imibono emihle yebhizinisi nonke enikhuluma ngayo ukuthi singasiqala kanjani isitolo sama-movie. Uyiqala kanjani ijoyinti lentuthu. Noma ungaqala kanjani ukuthengisa izingubo ze-mitumba eGithurai?

Iphuzu lami?

Ukuze ube yisigidigidi kufanele ube ngumngane wezigidi.

Ukuze ube ngumtshalizimali oqinile kufanele ucabange njengabatshalizimali abakhulu.

Hambani nabo.

Khuluma nabo.

Yazi ukuthi yini ebenza bahluke futhi baphumelele.

Futhi uma ungeke ubathole oMillionaire abangaka endaweni yangakini, vakashela izindawo zabo ze-hangout.

E-Kenya uzothola abantu/abatshalizimali abacebe kakhulu e-Nyanza Club (Kisumu), Kakamega Golf Club, Royal Nairobi Golf Club, kanye nama-Rotaract Clubs… qamba amaklabhu.

Bayeke bakunake.

Yiba abangane nabo.

Ngoba ngezinye izikhathi isidlo noma ezimbili nomuntu ocebile yikho konke okudingayo ukuze uthole umqondo wokutshala izimali owusizo kakhulu.

Iphuzu lami? Ukukhulisa inethiwekhi yakho kuzokusiza ukhulise inani lakho elifanele. 

3. Uma Ungenayo I-Investment eneminyaka engama-30, Mhlawumbe Awukuthandi Ukufunda

Uma kungenjalo ukuntuleka kwemali, ukuphela kwesizathu sokuthi kungani ungeke utshale imali ngesikhathi senzondo uma uzonda ukufunda.

Futhi ukufunda kuhlobene kanjani nokukhulisa imali yakho?

Ukufunda kubalulekile ngoba kukunika imininingwane mayelana nokutshalwa kwemali oyithandayo.

Awukukholwa lokho?

Ngibonise usozigidi ongafundi ngizokutshela ukuthi kungani eqamba amanga ngemithombo yakhe yengcebo.

Iningi labantu abacebile bafunda ukukhulisa ulwazi lwabo.

Ukuze ufunde kabanzi ngalokho abatshalile imali yabo. Futhi uthole imininingwane yalokho abafuna ukutshala kukho.

Zama uMasiyiwa kokunye kokuthunyelwe kwakhe ku-Facebook uthi, “Uma ufuna ukuphumelela, uzodinga amakhono amaningi ebhizinisi akhethekile, kodwa cishe elibaluleke kakhulu lizokumangaza: amandla okuFUNDA! Yebo, FUNDA!”

Futhi ngiyakholelwa emcabangweni wakhe ngoba ungusibili noma kunjalo futhi ufunda.

#Inselelo

Kungenzeka yini ukuthi ukufunda kube yisizathu sokuthi ungenalo uhlobo oluthile lotshalo-mali osusondele? Zama ukufunda nokutshala imali bese ungitshela uma imali yakho ingakhuli ngobusuku obubodwa.

4. Ungesaba Ukulahlekelwa Yikhwama Lakho ku-Venture Entsha Yebhizinisi.

Esheshayo,

Unemali engakanani manje?

Imali ongathanda ukuyitshala kodwa qhubeka ubambelele kuyo ngoba wesaba ukulahlekelwa yikho konke ngokuhamba kwesikhathi.

Nali iqiniso!

Kuzodlula usuku.

Kuzodlula amasonto.

Isikhathi sizophela.

Unyaka uzobe ungasekho.

Futhi uma namanje wesaba ukuyeka, ngeke utshale imali.

Nali elinye iqiniso.

Uma ubambelele kule mali isikhathi eside, ayanda amathuba akho okuyisebenzisa esimweni esiphuthumayo noma ukuzijabulisa nje.

Ngemuva kwalokho kuzodlula amasonto amaningi,

Izinyanga. Iminyaka. Amashumi eminyaka.

Futhi usazoba mpofu ngenkathi empeleni, ubungatshala le mali ekutshaleni okungenabungozi okuqinisekisa ukuphepha kwekhephithali yakho futhi usakuzuzela izinzuzo ezihlanganisiwe.

Umakwe Nge: Ukutshala imali izibopho • Ukutshala imali kwezimali • Ukutshala imali eKenya • Isikhwama Imali emakethe • Ukuthembela kuyunithi • Abatshalizimali abasha