Abantu abaningi bahileleka ekuhwebeni ngoba befuna ukwenza imali. Ngolwazi oluncane noma bengenalo, Laba bahwebi abaqalayo bafuna indlela elula yokuthatha imakethe. Lokhu kungaholela ekulahlekelweni kunenzuzo ebikade ilindelwe. Lesi sihloko sizokunikeza amaphutha amathathu ajwayelekile abadayisi abasaqala ukuwenza lapho beqala ukuhweba ngosuku nokuthi bangawalungisa kanjani.
Nawa amaphutha ama-3 ajwayelekile abenziwa abadayisi be-novice.
1) Ukweqa imfundo
-Ukuhweba kuwumsebenzi wempilo yakho yonke ngenhloso yokwenza imali ngokuhlaziya idatha yemakethe nokubikezela izitayela zesikhathi esizayo. Uma sekushiwo, kunengqondo ukuthi uzifundise kukho konke ongakwenza mayelana nokuhweba ngaphambi kokufaka noma iyiphi imali yakho engcupheni.
-Ziningi izinsiza ezitholakalayo ku-inthanethi zokukusiza ukuthi ufunde ukuhweba, kodwa kuncane okungathatha indawo yokuthola umeluleki onolwazi (okungcono kube lowo oke wadlula ezikhathini ezinzima ezimakethe). Ukuba nomuntu onolwazi ozokuqondisa kuzohamba amamayela ekusizeni ukuthi uphumelele njengomthengisi.
-Uma ucabanga ukuthi ungavele ugxumele ezimakethe ngaphandle kokuzilungiselela, maningi amathuba okuthi uzithole usuphukile futhi ubuyele esigcawini sokuqala phakathi nezinyanga.
2) Ukungena Konke
-Ukuhweba kuyibhizinisi eliyingozi kakhulu lapho nezinkampani zikahulumeni ezaziwa kakhulu zilahlekelwa imali kwezinye izindawo. Udinga ukulungela ukulahlekelwa imivimbo ukuze uhlale kulo mdlalo isikhathi eside.
-Kunabathengisi abaningi abathatha ukulahlekelwa kwabo kokuqala kudala ngaphambi kokuba babe nemali eningi, kodwa lapho bebambelele kuma-akhawunti abo amancane esikhundleni sokuyeka, lokho kulahlekelwa kwaphenduka ukuhweba okuwina lapho imakethe iphenduka.
Isimilo sale ndaba? Ungasebenzisi konke onakho ukuze uhwebe ngezimakethe uma ufuna impumelelo yesikhathi eside. Udinga ukuhlonipha ukulahlekelwa kwakho, ngisho nalapho uqinisekile ukuthi imakethe izolulama maduze.
-Futhi uma ungakwazi ukubhekana nokulahlekelwa yimali, khona-ke mhlawumbe kungcono ukuthi uzinike isikhathi sokufunda ngokuhlaziywa kobuchwepheshe kanye nendlela yokungena kulo mdlalo ngaphambi kokuthi ungene khona.
3) Ngethemba Losizo
-Kukhona abacabanga ukuthi okumele bakwenze nje ukutshala imali futhi noma kanjani imbuyiselo enhle izobuya ngendlela yabo. Abazihluphi ngokufunda lutho nhlobo mayelana nokuhweba ngoba bakholelwa ukuthi omunye umuntu uzoba khona nesixazululo somlingo esakhiwe ama-algorithms ayinkimbinkimbi noma amathiphu angaphakathi avela kubatshalizimali be-Wall Street.
Kodwa le nkolelo ayinasisekelo futhi iyingozi ngoba kusho ukuthi uzobeka imali yakho engcupheni ngaphandle kokwenza noma yini ehlakaniphile ukwandisa amathuba akho okuphumelela.
-Esikhundleni salokho, kufanele ufunde ukuhlaziywa okuyisisekelo, ukuhlaziya lobuchwepheshe, amasu okulawula ubungozi, namanye amathuluzi ahlukahlukene ukuze uthole ukuqonda kahle ubungozi obuhilelekile ekuhwebeni. Uma wazi okwengeziwe ngendlela izimakethe ezisebenza ngayo nokuthi yiziphi izici ezizithintayo, uyoba ngcono uma kufika isikhathi sokuhweba ukuze ukwazi ukubamba wonke lawo mathuba ngaphambi kokuba adlule.
