Ukonga imali yakho kuyisinyathelo sokuqala senkululeko yezezimali. Kodwa ngaphandle kokulondoloza nje, udinga ukonga ngendlela ehlelekile. Esiqeshini sanamuhla se Imali noMarsai Martin , uMartin ukhuluma nesishoshovu sezezimali kanye nomsunguli we Intombazane Emnyama Ephukile , Dasha Kennedy ( @thebrokeblackgirl ), mayelana nomqondo wokonga imali, kungani udinga ukonga, nokuthi ungaqala kanjani.
Into yokuqala eyokuqala: kusho ukuthini ukonga imali ? UKennedy ukholelwa ukuthi abantu abaningi banombono oyiphutha wokuthi inqobo nje uma bengayisebenzisi imali, bayonga imali. Akunjalo ngempela, kusho uKennedy. Ukonga akukhona ukungabikho kokusetshenziswa kwemali. Kunalokho, kunikeza imali yakho eyengeziwe okuthile ongakwenza. Ngalokhu uKennedy usho ukuthi uma unemali eyengeziwe esele ekupheleni kwenyanga, ungakwazi ukubeka leyo mali eceleni ngenhloso yokuyisebenzisela inhloso ethile kamuva. Kungaba noma yini ngempela, uthi. Isikhwama sakho sokuthutha, isikhwama sakho sokuzijabulisa, noma yiluphi uhlobo lokonga, wabelana noKennedy.
Lokhu kuletha uMartin embuzweni wakhe olandelayo, okuwukuthi yiziphi izinhlobo ezahlukene zazo ama-akhawunti okonga umuntu angaba nakho, futhi lezo zindaba zenzani?
U-Kennedy uphendula ngokwephula idlanzana lezinhlobo ezibalulekile zama-akhawunti okonga abantu okufanele bazi ngawo. Okokuqala i-akhawunti yokonga yendabuko, okuyi-akhawunti yokulondoloza ongayivula nebhange. Ezimweni eziningi ayinazo izinhlobo zentshisekelo ongazithola, kuchaza uKennedy.
U-Kennedy ube esechaza i-akhawunti yokonga enesivuno esikhulu, efana [ne-akhawunti yokonga evamile] kodwa ehluke kancane ku-akhawunti yakho yokonga evamile ngoba izuza inzalo.
Okulandelayo, uKennedy uchaza ama-akhawunti okonga ezempilo, okuyimali yamahhala ongayilondoloza ku-akhawunti ongayisebenzisela izindleko zokwelashwa.
Ekugcineni, uchwepheshe wezezimali uyacubungula 401Ks kanye nama-IRAs . I-401K, uKennedy uyachaza, ivamise ukuhlotshaniswa nomqashi wakho. Kuwuhlelo lokuthatha umhlalaphansi. Ivumela abasebenzi ukuthi bonge imali futhi batshale imali yabo yomhlalaphansi. Ngaleso sikhathi, i-IRA ifana ne-401K, kodwa ivamise ukuhlotshaniswa nosomabhizinisi, abazimele, nabantu abazisebenzayo. Futhi i-akhawunti yenzuzo yentela esetshenziswa abantu ukutshala imali yabo uma sebethatha umhlalaphansi, kusho uKennedy.
Ngenkathi ukonga imali kuyibhizinisi elibalulekile, akumele kube nzima kakhulu. UMartin ubuza ukuthi umuntu angakwazi kanjani ukuzijabulisa futhi athenge lokho akufunayo kuyilapho elondoloza imali, okuyizinto okungadingeki ukuba zihlukaniselane, ngokusho kukaKennedy. Ngine-akhawunti yokulondoloza okuyi-akhawunti yami ye-‘Turn Up’, amasheya ka-Kennedy. Ngakho ngingathatha imali kuleyo akhawunti, ngikwazi ukuzikhipha nabangane bami, ngiyokwenza amaphathi, ngikwazi ukuzijabulisa, futhi anginaso isisindo emahlombe ami sokuthi mhlawumbe ngicwiliswa emalini yami yokuqasha. Anginakho lokho emahlombe ami ngoba bengilondoloza kule akhawunti ethile ngenxa yaleso sizathu.
Ngemva kokuxoxa ngezici ezihlukahlukene zokonga, uMartin uyabuza ukuthi yimuphi umehluko phakathi kokulondoloza kanye ukutshala imali kuyinto. U-Kennedy uchaza ukuthi ukonga ukubeka imali eceleni ngenjongo ethile, kuyilapho ukutshala izimali kuwukubeka imali yakho kokuthile okuqondile okulindelwe ukuthi inani layo lizokhula ngokuhamba kwesikhathi. Ngokutshala imali, kungumdlalo wokulinda, kusho uKennedy. Ubeka imali lapho, awujahi ngempela ukubona imbuyiselo ngayo ngoba uyazi ukuthi kungase kuthathe isikhathi ukuthi le mali ikhule. Lena imali olungile ngokuzifaka engozini. Ungalahlekelwa yikho, ingakhula, ikhule.
Manje njengoba imiqondo yokonga nokutshala imali isiphuliwe, uMartin ubuza ukuthi ungagcina kanjani umkhondo wenqubekelaphambili yomuntu yokonga. U-Kennedy uchaza ukuthi kuncike kumuntu ngoba nakuba kunenqwaba yezinhlelo zokusebenza ezingasiza ngesabelomali nokonga, ukusebenzisa uhlelo lokusebenza kungavula ithuba lokuthi uphazanyiswe ifoni yakho . Ngakho-ke uKennedy uyigcina isikole esidala ngamashidi e-Microsoft Excel. Kungigcina ngibambe iqhaza, kusho uKennedy. Empeleni inethuluzi elisha elibizwa ngokuthi Imali ku-Excel futhi ikuvumela ukuthi uxhume ku-akhawunti yakho yasebhange. Ngakho-ke izokhipha yonke imisebenzi yakho ngqo ku-akhawunti yakho yasebhange futhi ikwenzele izibalo eziningi.
Ekugcineni, uKennedy usishiya namazwi athile okuhlakanipha uma kuziwa ekongeni imali. Uma uzibuza ukuthi uzoqala nini ukulondoloza: namuhla, kugcizelela uKennedy. Namuhla usuku. Ungachithi olunye usuku. Inzuzo intsha eningi enayo yisikhathi, futhi sisohlangothini lwakho.
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