Abantu abaninzi bazibandakanya ekurhwebeni kuba befuna ukwenza imali. Ngolwazi oluncinci okanye olungenalwazi, Aba barhwebi be-novice bafuna indlela elula yokuthatha imarike. Oku kunokubangela ilahleko kunenzuzo ebilindelekile Eli nqaku liza kukunika iimpazamo ezintathu eziqhelekileyo abarhwebi abasaqalayo abadla ngokuzenza xa beqala ukurhweba ngemini kunye nendlela yokuyilungisa.
Nazi iimpazamo ezi-3 eziqhelekileyo ezenziwa ngabarhwebi be-novice.
1) Ukutsiba imfundo
-Ukurhweba kukufuna ubomi bonke ngenjongo yokwenza imali ngokuhlalutya idatha yemarike kunye nokuqikelela iindlela ezizayo. Oko kuthethiweyo, kunengqiqo ukuzifundisa kuyo yonke into onokuyenza malunga nokurhweba ngaphambi kokuba ubeke nayiphi na imali yakho esichengeni.
-Zininzi izixhobo ezifumanekayo kwi-intanethi ukukunceda ukuba ufunde ukurhweba, kodwa akukho nto ibambeleyo yokufumana umcebisi onamava (ngokukhethekileyo lowo ukhe watyhubela amaxesha anzima kwiimarike). Ukuba nomntu onamava okukukhokela uya kuhamba iimayile ekuncedeni ukuba uphumelele njengomthengisi.
-Ukuba ucinga ukuba unokutsibela kwiimarike ngaphandle kokulungiswa, kukho ithuba elihle lokuba uya kuzifumana uqhekeza kwaye ubuyele kwisikwere esinye kwiinyanga.
2) Ukungena ngaphakathi
-Urhwebo lishishini eliyingozi kakhulu apho neenkampani zoluntu ezaziwayo zilahlekelwa yimali kwezinye iindawo. Kufuneka ulungele ukuphulukana nemithotho ukuze uhlale kulo mdlalo ixesha elide.
-Kukho abarhwebi abaninzi abaye bathatha ilahleko zabo zokuqala ngaphambi kokuba babe nemali eninzi, kodwa xa bebambelele kwiiakhawunti zabo ezincinci endaweni yokuyeka, ezo lahleko zajika zaba yimpumelelo yokuthengisa xa imarike ijika.
Ukuziphatha kweli bali? Musa ukusebenzisa yonke into onayo ukurhweba ngeemarike ukuba ufuna impumelelo yexesha elide. Kufuneka uhloniphe ilahleko yakho, naxa uqinisekile ukuba imakethi iza kubuyiselwa ngokukhawuleza.
-Kwaye ukuba awukwazi ukujongana nokulahlekelwa yimali, mhlawumbi kungcono ukuba uthathe ixesha lokufunda malunga nohlalutyo lobuchwephesha kunye nendlela yokungena kulo mdlalo ngaphambi kokuba ungene ngaphakathi.
3) Ngethemba loNcedo
-Kukho abo bacinga ukuba konke okufuneka bakwenze kukutyala imali kwaye ngandlela-thile imbuyekezo entle iya kubuya ngendlela yabo. Abazihluphi ngokufunda nantoni na malunga nokurhweba kuba bakholelwa ukuba omnye umntu uya kube ekhona enesisombululo somlingo esiqulunqwe zii-algorithms ezintsonkothileyo okanye iingcebiso zangaphakathi ezivela kubatyali-zimali baseWall Street.
Kodwa le nkolelo ayinasiseko kwaye iyingozi kuba ithetha ukuba uyakubeka imali yakho emngciphekweni ungakhange wenze nantoni na ekrelekrele ukwandisa amathuba akho okuphumelela.
-Ndaweni yoko, kufuneka ufunde uhlalutyo olusisiseko, uhlalutyo lobugcisa, izicwangciso zokulawula umngcipheko, kunye neentlobo zezinye izixhobo ukuze ufumane ukuqonda kakuhle umngcipheko obandakanyekayo ekurhwebeni. Okukhona usazi malunga nendlela iimarike ezisebenza ngayo kwaye zeziphi izinto ezibachaphazelayo, kokukhona uya kuba ngcono xa kufika ixesha lokurhweba ukuze ube nokuwabamba onke loo mathuba phambi kokuba adlule.
