Imali inyakazisa umhlaba, kodwa ingabe uyakwazi ngempela ukuhlukanisa phakathi kwezomnotho nezezimali? Nakuba evame ukusetshenziswa ngokushintshana, le miqondo emibili inama-nuances abalulekile ayihlukanisayo. Ake sembule izimfihlo zabo ukuze ungaphinde usale nobuso be-poker uma othile ebasho engxoxweni.
Siqonde ukuthini ngezomnotho?
Uma sikhuluma ngezomnotho, sibhekisela kukho konke okuhlobene nokukhiqizwa, ukusatshalaliswa, kanye nokusetshenziswa kwezimpahla nezinsizakalo. Kuyinjini enkulu eqhuba umphakathi, kusukela ekukhiqizweni kwepensela elula kuya ekuphathweni kwezinsizakusebenza zezwe lonke. Umnotho uhlanganisa izici ezinkulu nezincane , ufunda kokubili ukuziphatha komuntu ngamunye kanye nokweqembu maqondana nezinsizakusebenza ezitholakalayo.
Cabanga ngomnotho njengekhekhe elikhulu . Isilayi ngasinye simelela indlela izinsiza ezisatshalaliswa ngayo phakathi kwemikhakha ehlukene kanye nabantu. Indlela lelo khekhe elibhakwa, lisikwe, futhi lisatshalaliswe ngayo yilokho okufundwa yizomnotho. Izazi zezomnotho zifana nabapheki abangochwepheshe abahlaziya izithako, izinqubo, kanye nemiphumela ukuze bathuthukise "iresiphi" yezomnotho.
Ngakolunye uhlangothi, ezezimali zigxile kakhulu ekuphathweni kwemali nezimpahla. Kufana nohlelo lokujikeleza kwegazi lomzimba wezomnotho, olunesibopho sokuhambisa "uphethiloli" wemali kuwo wonke umzimba. Kuhlanganisa imisebenzi efana nokutshala imali, ukonga, ukuboleka, kanye nokuhlela ezezimali.
Uma umnotho uyisithelo, ezezimali yindlela onquma ngayo ukusebenzisa imali yakho ukuze uyithenge . Ingabe uzokhokha ngokheshi noma ngekhadi? Ingabe uzothatha imali mboleko? Ingabe uzotshala imali esitokisini sebhikawozi? Zonke lezi zinqumo ziwela ngaphansi komkhakha wezezimali.
Amaphuzu okuhlangana nokuhlukana
Nakuba kuhlukile, ezomnotho kanye nezezimali kuhlobene kakhulu. Awukwazi ukuqonda okunye ngaphandle kokunye . Isibonelo, izinqumo zikahulumeni zomnotho zithinta ngqo izimakethe zezimali, futhi ngokuphambene nalokho. Ukwehla kwamandla emali, umqondo wezomnotho, kuthinta ezezimali zakho ngokushintsha amandla okuthenga emali yakho.
Nokho, izindlela zabo zihlukile:
- Finyelela: Umnotho une umbono obanzi, kuyilapho ezezimali zigxile ezicini ezithile zemali.
- Izinhloso: Umnotho ufuna qonda futhi wandise amasistimu aphelele, ezezimali ziqondiswe ekwandiseni inani kanye nokulawula ubungozi.
- AmathuluziOsomnotho basebenzisa amamodeli etiyetha kanye nezibalo zezomnotho omkhulu; abezimali bathembele kakhulu ekuhlaziyweni kwemakethe nasekusebenziseni izibalo.
Isicelo esiwusizo: impilo yakho yansuku zonke
Ngakho-ke, konke lokhu kuchaza kanjani impilo yakho yansuku zonke? Uma uthenga, uhlanganyela emsebenzini wezomnotho (ukusetshenziswa), kodwa indlela okhokha futhi ophatha ngayo isabelomali sakho ingokwezimali. Umholo wakho uyinto ebalulekile kwezomnotho nakwezezimali : ubonisa umnikelo wakho emnothweni futhi unquma amandla akho ezezimali.
Cabanga ngokuthenga kwakho okulandelayo okukhulu . Mhlawumbe imoto? Ukunquma ukuthi iyiphi imodeli ozoyikhetha ngokusekelwe kwisabelomali sakho nezidingo zakho kuyindaba yezezimali. Indlela ozoyixhasa ngayo leyo ntengo—ukonga, imali mboleko, ukuqasha—kuyindaba yezezimali. Zombili lezi zici zibalulekile ekwenzeni isinqumo esinolwazi.
Ukuqonda lo mehluko akuyona nje into yokufunda. Ulwazi lwezomnotho kanye nezezimali luyisihluthulelo sokuhamba ezweni lanamuhla eliyinkimbinkimbi. Ukwazi ukuhumusha izindaba zezomnotho, ukuphatha izimali zakho, ngisho nokuvota ngendlela enolwazi kuncike ekuqondeni kwakho le mibono.
Ake uzicabange ungukaputeni womkhumbi . Ezomnotho zingaba ulwazi lwakho ngolwandle, imisinga, nesimo sezulu, kanti ezezimali zingaba ikhono lakho lokuphatha i-helm kanye noseyili. Udinga kokubili ukuze ufike lapho uya khona ngokuphephile.
Amathuluzi ukumba ujule
Uma ufuna ukujula kulezi zihloko, kunezinsiza ezinhle kakhulu ezitholakalayo. Izinhlelo zokusebenza ezifana ne -Mint zikusiza ukuphatha izimali zakho, kanti amasayithi afana ne -The Economist anikeza ukuhlaziywa kwezomnotho okujulile. Hlanganisa amathuluzi asebenzayo nolwazi lwethiyori ukuze uthole ukuqonda okuphelele.
Khumbula, ezomnotho kanye nezezimali kuyimikhakha emikhulu futhi eshintsha njalo. Lokho okufundayo namuhla kungashintsha kusasa, ngakho-ke hlala unelukuluku futhi usesikhathini. Isikhwama sakho semali kanye nengqondo yakho kuzokubonga.