Ingxoxo engiyizwe izikhathi eziningi, ihlala ifana, ezimweni ezehlukene: “Ngithenge indlu, kuyi-investment.”
Kuliqiniso lokho? Kuya ngokuthi.
Uma uhlala kuleyo ndlu, ukhokha izikweletu zesikweletu sendlu, ukhokha intela, ukulungiswa nezikweleti zamanzi nogesi — futhi iminyaka eyishumi nane leyo ndlu izokucela imali ngaphandle kokukubuyisela nangeyodwa ye-euro kuze kube usuku oyithengisa ngalo (uma nje uzoke uyithengise), khona-ke akuyona i-investment ngendlela ejwayelekile leli gama elichaza ngayo.
Kuwukukhethwa kwempilo, mhlawumbe okuqondile, mhlawumbe ngisho okunengqondo kwezomnotho esikhathini eside, kepha akulona ithuluzi elikusebenzelayo.
Kuyithuluzi olisebenzelayo wena.
Umehluko phakathi kwalezi zigaba ezimbili “zezinto oziphetheyo” mhlawumbe yinto ebaluleke kakhulu ozoyifunda ngempilo yakho yezimali.
Futhi, ngokumangalisayo, yinto amaningi ama-app okuphathwa kwezimali zomuntu siqu kanye nabeluleki abavamile abavame ukuyenza ingacaci.
I-Cashfulness iyibeka esikhungweni.
Sikubiza ngokuthi umehluko phakathi kwe-Asset+ ne-Asset− (impahla enophawu oluhle nenophawu olubi), futhi uma usuyibonile, awusakwazi ukungayiboni.
Iyini i-Asset+
Incazelo esebenzayo ilula: i-Asset+ yinto oyiphetheyo futhi, ngesikhathi uyiphethe, ikukhiqizela imali engenayo enhle noma isibonelo esibhaliwe sokuzuza.
Iyakusebenzela.
Izibonelo ezimbalwa eziqondile, ngaphandle kokuzenza zonke:
- ifulethi eqashisiwe, elikunikeza irenti yanyanga zonke;
- ifulethi elithengiwe ngenhloso yokuliphinda ulithengise ngentengo ephakeme esikhathini esizayo (yi-Asset+ ngenxa yenzuzo yemali eqoqiwe, ngisho noma engakabuyisi neyodwa i-euro okwamanje);
- isikhundla emasheya (ngenxa yezabelo-mali eziqhubekayo, ngenxa yenzuzo lapho kuthengiswa, noma zombili);
- isikhwama esikhula ngokuhamba kwesikhathi ngamakhuphoni, izabelo-mali, ukwengeza imali noma ukwenyuka kwevelu yesabelo;
- amabhondi (ngenxa yamakhuphoni aqhubekayo, ngenxa womehluko phakathi kwentengo yokuthenga nentengo yokubuyiselwa noma yokuthengiswa, noma zombili);
- isabelo ebhizinisini elikhiqiza inzuzo noma elikhula ngevelu ngokuhamba kwesikhathi;
- umsebenzi wengqondo (incwadi, ipatenti, isofthiwe) okhiqiza amalungelo obunikazi noma amalayisensi.
Yini efanayo kuzo zonke lezi zinto? Ziyakusebenzela.
Zikwenza ngezindlela ezimbili ezingaba khona: zikukhiqizela imali eqhubekayo (irenti, izabelo-mali, amakhuphoni, amalungelo obunikazi), noma zikhule ngevelu ngokuhamba kwesikhathi futhi leyo nzuzo uyithole ngesikhathi sokuthengisa.
Ngokuvamile zombili kanyekanye. Kubalulekile noma iyiphi kulezi zimbili — isibonelo esisekelwe futhi esibhalwe sokuzuza sanele ukwenza impahla ibe yi-Asset+.
Wena (cishe) awenzi lutho — ngaphandle kwezinqumo zokuqala nokukhethwa kwezinye izinto zokuphatha — kuphinde kubuye okuthile kuwe, namuhla noma kusasa.
Akuyona imilingo, kuwukusebenza kwemali yokukhiqiza, futhi uma usakhile isisekelo esiqinile se-Asset+, siqala ukwanda ngokuhamba kwesikhathi ngenzuzo yakho.
Umehluko obalulekile, ovame ukulahleka enkulumweni yansuku zonke: akukho konke okuphetheyo futhi okunevelu okuyi-Asset+ ngokuzenzakalelayo.
Umhlahlandlela ngumuzwa kanye nomsebenzi.
Ifulethi lingaba yi-Asset+ ngezindlela ezimbili: noma uliqashisa futhi likunikeza irenti, noma likhule ngevelu bese uliphinda ulithengise ngentengo ephakeme. Ngisho ifulethi elingahlali muntu lingaba yi-Asset+ ngokugcwele uma inhloso yakho eyokusebenza kuwukuliphinda ulithengise esikhathini esizayo — mhlawumbe ukhetha ukungaliqashisi ukuze ugweme izibopho zesivumelwano futhi uligcine likhona ngokushesha ukuze lithengiswe.
Kunalokho liba yi-Asset− uma ulisebenzisela injongo yakho siqu: indlu yesibili yamaholidi noma yempelasonto, ngisho noma inyuke ngevelu yasemakethe ngokuhamba kwesikhathi, iyithuluzi lokusetshenziswa. Ikunikeza injabulo, isikhathi nomndeni, izinkumbulo — kepha ayikusebenzeli. Ikucela ukulungiswa, intela yesakhiwo, izikweleti zamanzi nogesi, izindleko zebhilidi elihlanganyelwe.
Inzuzo evela lapho othengisa ngayo izoba yinzuzo eyodwa kuphela, kepha ngesikhathi uyiphethe yayiyindleko yokuphatha impahla ngempela.
Iyini i-Asset−
Uhlangothi olunye lwendaba.
I-Asset− yinto oyiphetheyo futhi, ngesikhathi uyiphethe, ikucela imali ephumayo ngenxa yokulungiswa, intela, izindleko, ukwehla kwevelu.
Wena uyisebenzela.
Izibonelo ezimbalwa:
- imoto, ngokwehla kwevelu, intela yemoto, umshwalense, ukulungiswa, uphethiloli;
- indlu yokuhlala, ngesikweletu sendlu, intela yesakhiwo lapho isebenza khona, ukulungiswa, izikweleti zamanzi nogesi, izindleko zebhilidi elihlanganyelwe;
- indlu yesibili yamaholidi esetshenziselwa injongo yomuntu siqu (amaholidi, impelasonto), ngokulungiswa kwayo, intela yesakhiwo, izindleko zebhilidi elihlanganyelwe, izikweleti zamanzi nogesi — ngisho noma inyuka ngevelu yasemakethe ngokuhamba kwesikhathi, inqobo nje uma uyisebenzisa wena, ayikusebenzeli.
Yini efanayo kuzo? Wena uzisebenzela.
Azimbi futhi akudingeki zigwenywe — imoto iyadingeka, indlu ibalulekile, indlu yesibili ikunikeza isikhathi nothando.
Ziyizindleko zokuphatha impahla nje, futhi kufanele ziphathwe ngaleyo ndlela ohlwini lwama-akhawunti, ngaphandle kwenkumbulo enonile noma ukuhlolwa kwezimo.
Iphuzu elibalulekile: izinto ezincane zokusetshenziswa — izingubo, izinsizakusebenza zasendlini ezivamile, izinto ezincane zempilo yansuku zonke, izinto zamahobhi — asizithathi njenge-Asset− esitatimendeni sesimo semali.
Ziyizindleko zenkathi: sizibhala njengezindleko lapho uzithenga, futhi kuphela lapho.
Uma kwenzeka wathengisa isigqoko noma into encane kwiplatifomu yezinto ezisetshenzisiwe, kuyimali encane engalindelekile (kwezokubalwa kwezimali kubizwa nge-mali engalindelekile), hhayi ukuzuza kwempahla obuyigcinile esitatimendeni sesimo semali.
Umehluko ubalulekile: ukugcina izinto zonke ezincane zokusetshenziswa zasendlini esitatimendeni sesimo semali kungabangela ubunzima obukhulu ngaphandle kokwengeza ukucaca.
Incazelo ebalulekile egwema ukudideka: i-Asset− akuyona isikweletu.
Izikweletu, ngolimi lokubalwa kwezimali, yizikweletu — isikweletu sendlu siyisikweletu, isikweletu semoto siyisikweletu.
I-Asset− yinto oyiphetheyo, enevelu, futhi ekubiza ukuyiphatha.
I-Cashfulness igcina lezi zigaba ezintathu zihlukene ngokucacile (Asset+, Asset−, Izikweletu) ngoba zisho izinto ezehlukene futhi ziziphatha ngokwehlukene ngokuhamba kwesikhathi.
Kungani i-Cashfulness ibeka lo mehluko esikhungweni
Akulona uhlobiso.
Uma udala i-akhawunti entsha noma impahla entsha ku-Cashfulness, sikucela ukuthi uyihlele njenge-Asset+ noma i-Asset−.
Kuwukukhethwa kokwakhiwa, hhayi ilebula nje.
Kulapha kuvela imiphumela emithathu esebenzayo.
Owokuqala uwukuthi ibhodi lokulawula likubonisa isilinganiso se-Asset+ / Asset− engcebweni yakho.
Hhayi inani kuphela, kepha ukwakheka.
Uma manje ususemazingeni angamashumi amathathu-ngamashumi ayisikhombisa, uyazi ukuthi uya kuphi.
Uma ufuna ukuya kumashumi amahlanu-namashumi amahlanu eminyakeni emithathu, unenhloso eqondile futhi enanini, hhayi injongo engacacile “yokutshala imali eningi kakhudlwana”.
Owesibili uwukuthi zonke izinqumo ezintsha zokuthenga zilinganiswa ngalolu hlaka.
Umbuzo “le nto engiyithengayo iyi-Asset+ noma i-Asset−?” uba yisihlungi sokuqala sengqondo, ngisho nangaphambi kwentengo.
Hhayi ukuze sisho ngokuzenzakalelayo cha kuma-Asset− — lokho kungaba yinto engenangqondo, futhi ngempela sizoqhubeka siwathenge ngoba amaningi ayadingeka noma ayamnandi — kepha ukuze sazi ukuthi senzani.
Owesithathu uwukuthi ingxoxo mayelana nokuzimela kwezimali iyeka ukuba into engabambeki.
Incazelo esebenzayo ilula: ukuzimela kwezimali kusho ukuba nama-Asset+ anele ukumbozela izindleko zakho ezivamile.
Iphoyinti.
Uma usufika lapho, ukhululekile ngendlela eqinile: imali yakho isebenza ngokwanele ngenxa yakho, futhi awusaphoqelekile ukusebenza ukuze ukhokhele impilo yakho.
Akusho ukuthi uzoyeka — abaningi baqhubeka ngokukhetha kwabo — kepha kusho ukuthi ungakwazi.
Yini eshintshayo engqondweni yomfundi oqala ukucabanga ngale ndlela?
Uyeka ukubuka impahla yakhe njengebhalansi engaguquki (“nginengako ebhange”) aqale ukuyibuka njengeyakheko.
Kwikhulu lempahla enginayo, amashumi amathathu ayangisebenzela futhi amashumi ayisikhombisa ayangibiza.
Loku kudlulisela ngokwako kwesengxenye yomsebenzi, futhi yikho okuvumela izinqumo ezizolandela ukuba zaziwe kunokuba zenziwe ngemvelo nje.
Isandulela esibalulekile ngaphambi kokuqhubeka.
Impilo akuyona ihlaka eliphelele, futhi i-Cashfulness akuyona i-app eqine kakhulu.
Kukhona impahla exubile — imoto esetshenziswa nasemsebenzini wezobungcweti iyi-Asset+ ngokwengxenye (ikhiqiza umholo) futhi iyi-Asset− ngokwengxenye (ikhiqiza izindleko); ungayihlela ngendlela ozizwa ukuthi iqotho kakhulu kuwe.
Kukhona ukukhethwa kwempilo okunezizathu ezingezona ezezimali futhi kulungile kanjalo — indlu yomndeni, isikebhe sempelasonto, isiginandi esikunikeza injabulo — konke kuyi-Asset− ohlwini lwama-akhawunti, kepha akusho ukuthi kuyiphutha ngenxa yalokho.
I-Cashfulness ayikutsheli ukuthi kufanele ube nani.
Ikutshela ukuthi unani manje.
Izinqumo zisala zizezakho.
Umqondo osebenzayo
Uma kunento eyodwa ekufanele uyithathe kulesi sihloko, ukuzivocavoca okuncane.
Esinqumweni sakho esizayo esibalulekile sokuthenga — imoto, uhambo, ifenisha, i-investment, ikhosi, noma yini — zama ukuma imizuzwana engamashumi amathathu ngaphambi kokubheka intengo, uzibuze izinto ezintathu.
Le nto, ngesikhathi ngiyiphethe, iyangikhiqizela okuthile noma iyangicela?
Lo ngumbuzo wokuqala. Impendulo eqondile: iyakhiqiza, iyacela, noma zombili nangesilinganiso esiyisiphi.
Uma icela kimi, iyindleko engiyamukela ngokuqaphela ngoba inginika ivelu engeyona eyezimali?
Akudingeki konke kukhiqize.
Kepha kufanele kucace ukuthi ukhokhela okuthile okungesona inzuzo yezomnotho, futhi ukuthi lokho okuthile kuyini.
Ngiyayilinganisa le Asset− nge-Asset+ eyanele engcebweni yami yonke?
Isinqumo esisodwa kubalulekile kancane.
Okubalulekile ukwakheka okuphuma kuso, kanye nendlela ekuya kuyo eminyakeni ezayo.
Imibuzo emithathu, imizuzwana engamashumi amathathu, akukho okuyinkimbinkimbi.
Akulona ukuzivocavoca kokuzincisha — akukuceli ukuthi udedele lutho.
Kuwukuzivocavoca kokuqaphela.
Umphumela uwukuthi, ngisho noma uthenga izinto ezikucela imali (futhi uzokwenza kanjalo, kuyimpilo lokho), uzokwazi kahle ukuthi wenzani, ukuthi kungani ukwenza, futhi ukuthi kufanelana kanjani nebalazwe elibanzi.
Ku-Cashfulness lolu hlelo lubhalwe ekhodini.
Ibhodi lokulawula liyakukukhombisa. Uhlu lwama-akhawunti luyakudinga.
Kepha lingaqala ngisho ngaphambi kokuthi ulande i-app: lingaqala namuhla, ngomkhuba wengqondo olula owusebenzisela into ezayo ozoyithenga.
Umehluko phakathi kwe-Asset+ ne-Asset− ukuphinde ube senhliziyweni yencwadi engiyibhalile, Strategie per la Finanza Personale, lapho ngiyixoxa khona ngezibonelo ezisebenzayo nangesofthiwe i-GNUCash njengethuluzi lokufundisa. Uma ufuna ukujula okwesikhathi eside ngaphambi kokuzama i-app, uyoyithola ku-Amazon.
Uma ufuna ukubona indlela lo mehluko oguqulwa ngayo ibe yi-app eqondile, sikulindile ohlwini lokulinda lwe-beta ku-cashfulness.com/beta.
Futhi esihlokweni esilandelayo sizokhuluma ngenjini evumela konke lokhu: ukubhalwa kwezimali okuphindwe kabili, isu leminyaka engamakhulu ayisithupha eliqhubeka libaluleke nakakhulu namuhla kunanini ngaphambili.
— Vittorio