Uma umgwedli womkhumbi kufanele akhethe indlela, into yokuqala ayenzayo akusikho ukubuka lapho afuna ukuya khona.
Ubuka lapho akhona manje.
Olwandle, umsinga uyawususa umkhumbi ngisho nalapho umoya umile khona. I-GPS noma amamephu olwandle asebenzela lokhu ngempela: ukuqonda ukuthi ukuphi ngempela, hhayi lapho ucabanga khona ukuthi ukhona.
Lokho kuhlolwa kubizwa ngokuthi indawo eqondile yomkhumbi (ngesiNgisi: “ship's fix”) — indawo eqondile yomkhumbi emephini, ngesikhathi esithile. Uyithola nge-GPS noma, ngendlela endala, ngokuqondisa izibonakalisi kuzinsimbi zokukhanya ezimbili noma ezintathu ezibonakalayo ogwini.
Yinombolo yendawo. Isiphambano esincane ephepheni. Ngaphandle kwaleso siphambano, yonke indlela oyidwebayo umqondo nje.
Kwezezimali zomuntu siqu kusebenza ngendlela efanayo.
Inombolo yakho yendawo yileli: inani lemfuwa esele: yimalini enye yonke into onayo namuhla, kususwe konke okukweletayo. Iningi labantu alikwazi ngokunembile.
Kanti-ke lapho kuqala khona izinkinga.
Amathuluzi akubuza into engalungile
Vula noma iyiphi i-app yezezimali zomuntu siqu. Ikubuzani?
“Wachitha malini izolo?”
“Yisiphi isabelomali sakho sanyanga zonke?”
“Uholela malini?”
Wonke lawa ngemibuzo ye-msebenzi. Iphathelene nokugeleza: okungenayo, okuphumayo, lokho ongathanda ukukuncisha. Akukho ukuphathelene ne-ndawo: akukho okukutshela lapho ukhona.
Kukhona isizathu sokuthi amaapp enze kanjani. Ukugeleza kulula ukukulinganisa — kwanele ukuhlela izinyuku ze-akhawunti izigaba. Indawo, ngakolunye uhlangothi, idinga ukuthi uhlanganise izimfuyo ezehlukene (indlu, izimali, ama-ETF, izimpahla ezingaphuki masinyane) bese ususa izikweletu ongazibona ngisho (isikweletu esisele senyanga, izinkokhelo ezikhohlakele, i-leasing yemoto). Kungumsebenzi ophuza kakhulu futhi ongajabulisi kangako uma kuqhathaniswa nokuthi “bheka amakhofi angaki owaphuza kule nyanga”. Ngakho imakethe ikusunduza lapho kulula ukukusunduza khona.
Inkinga ukuthi ukusebenza ngaphandle kokwazi indawo yakho ukusebenza ngokungaboni.
Ungabhala ikhofi ngayinye nomthelo ngamunye iminyaka eminingi, kepha uphinde uphuthelwe ngezinkulungwane ezingamashumi zama-euro ekulinganiseni imfuyo yakho yangempela. Izifundo ngalesi sihloko zibonisa ukuthi iningi elikhulu labantu liyaphutha ngaphezu kuka-30% mayelana nemfuwa yalo esele — ngokuvamile ngokwenyusa.
Uyenyusa ngoba ubala kabili (inani lendlu osakhokhela ngesikweletu senyanga).
Ngoba ukhohlwa (izimali zempesheni, izikweletu ezincane, izinkokhelo eziphindaphindwayo).
Ngoba uphila emuzweni wesikhashana (le nyanga kuhambe kahle, ngakho ngokujwayelekile kuhamba kahle).
Futhi lapho kudingeka unqume okukhulu — ukuthenga indlu, ukushintsha umsebenzi, ukusiza umntwana — umuzwa awanele. Kudingeka amaqiniso. Kudingeka inombolo yendawo.
Iyini ngempela inani lemfuwa esele
Ukuze kucace: inani lemfuwa esele akulona ibhalansi lakho le-akhawunti evamile.
Akulona iholo. Akulona isabelomali. Akulona lokho owakuchitha noma owakonga inyanga edlule.
Ukususa okulula kakhulu:
Konke onakho (izimfuyo ezihle) KUSUSWA konke okukweletayo (izikweletu, izibopho).
Phakathi kwezimfuyo ezihle: ama-akhawunti asebhange asheshayo ukusetshenziswa, amabhondi kahulumeni, ama-ETF, amasheya, izakhiwo ngenani lemakethe lamanje, izimali zempesheni, imbuyiselo yokuphuma emsebenzini esiqoqiwe.
Phakathi kwezikweletu: isikweletu esisele senyanga, i-leasing yemoto, imalimboleko yomuntu siqu, izinkokhelo ezisadingeka.
Ezinye izimpahla — njengemoto, ifenisha, izinsizakusebenza zasekhaya — ziyimfuyo ekhethekile: zinenani, kepha inani elehla ngokuhamba kwesikhathi. Kufanele zibalwe ngenani lazo elisele lamanje, hhayi ngentengo owayikhokhile. Imoto ethengwe ngo-30,000 wama-euro eminyakeni emithathu eyedlule namuhla ingafanele ibe nenani elingu-18,000: yileyo inombolo engena ekubalweni.
Isibonelo esisheshayo.
UMarco unalokhu: 12,000 kwimali ekhona e-akhawuntini, 25,000 kuma-ETF, indlu enenani elingu-200,000 namuhla, imoto enenani elingu-15,000. Unayo futhi isikweletu esisele senyanga esingu-130,000 nemalimboleko yomuntu siqu engu-8,000.
Inani lakhe lemfuwa esele lingu-12+25+200+15 kususwa u-130+8 = 114,000 wama-euro.
Akulona iholo, akulona okongiwe kule nyanga, akulona okuse-akhawuntini yakhe manje. Indawo yakhe ephelele.
Ku-Cashfulness, umthelo ngamunye owubhalayo ubuyekeza ngokuzenzakalela inombolo yakho yendawo, ngoba injini yezokubala isebenzisa ukubhalisa okuphindwe kabili (ngesiNgisi: “double-entry bookkeeping”) — leyo ndlela efanayo amabhizinisi asebenzisa iminyaka engamakhulu ayisithupha: uhlobo ngalunye lokunyakaza lunezinhlangothi ezimbili ezilinganayo, futhi umphumela owusele usakazeka ngqo emfuweni.
Uyabona inombolo eyodwa. Leyo nombolo indawo yakho eqondile yomkhumbi.
Iholo, ngakolunye uhlangothi, ngumoya. Uyavunguza, ungashintsha isikhathelo namandla, ungakuthatha ngokushesha noma akushiye umile. Kepha umoya akuyona indawo.
Ukwazi ukuthi uholela malini ngaphandle kokwazi ukuthi unalini kufana nokwazi ijubane olihamba ngalo ngaphandle kokwazi ukuthi ukuphi.
Okushintshayo uma unayo inombolo yendawo
Izibonelo ezintathu ezilandelayo yizingqondo nje — izinombolo azizona ezomuntu othile, zisebenzela ukunika umqondo nje. Okushintshayo kuzo zontathu kuyafana: inombolo yendawo iguqula isinqumo esisuselwa emzweni sibe isinqumo esazisayo. Ayikutsheli okumele ukwenze. Ikutshela lapho oqala khona.
Okokuqala: ukuthenga indlu, noma ukulinda unyaka omunye.
Ngaphandle kwenombolo yendawo, unquma ngokususela eholweni nasemuzweni (“kulo nyaka ngizizwa ngiqinile kakhudlwana”).
Ngenombolo yendawo, wenza ukubala okubili kwangempela. Idiphosidi edingekayo: 50,000 wama-euro. Imali esheshayo yamanje: 70,000. Ngakho yebo, uyakwazi. Kepha ngemva kwedephosidi kusala imali esheshayo engu-20,000 uma kuqhathaniswa nezindleko zanyanga zingu-5,000 wama-euro: izinyanga ezine zokusibekelwa, hhayi eziyisithupha.
Uma umbono wawuwukuba nezinyanga eziyisithupha zenqubo yokuvikeleka, lo nyaka akuyona ingqophamlando. Uyalinda, uqoqe eziye-10,000 ezengeziwe, futhi ngonyaka ozayo uthenge unokuthula.
Inombolo yendawo ayikutshelanga ukuthi ungathengi. Ikutshele izimo ozokwenza ngazo lokho ngaphandle kokuphula umkhumbi.
Okwesibili: ukushintsha umsebenzi ngeholo elincane kepha ngengqondo eyengeziwe.
Ngaphandle kwenombolo yendawo, unquma ngokholo noma ngokwesaba — ngokuvamile okwesaba kunqoba.
Ngenombolo yendawo, ubala ukuthi izinyanga ezingaki ongakhuthazela kuzo lokushintshana. Uma unemali esheshayo engu-30,000 futhi izindleko eziphansi kunazo zonke zingu-2,500 ngenyanga, unonyaka noma ngaphandle kwemali engenayo.
Ukugxumela phambili kuyeka ukuba isenzo esingaboni, kube inketho eyaziswayo. Mhlawumbe usenqume ukungakwenzi lokho, kepha uyakunquma ukwazi ukuthi wenzani, hhayi ngoba izandla zakho ziyathuthumela.
Okwesithathu: ukuboleka u-15,000 wama-euro emntwaneni ukuze aqale umsebenzi othile.
Ngaphandle kwenombolo yendawo, uthi yebo ngenxa yothando noma cha ngenxa yokwesaba. Zombili izimpendulo azicabangi.
Ngenombolo yendawo, uyabona ukuthi u-15,000 ophuma emalini yakho esheshayo usasishiya ngenhla komkhawulo wokuphepha owazibekela wona uqobo. Khona-ke uthi yebo, futhi ukusho ngaphandle kokukhathazeka.
Noma uyabona ukuthi ngaphansi kuka-15,000 kuyagcina, uphakamise u-8,000 nethuba lokubuyekeza okwengeziwe ngemva kwezinyanga eziyisithupha. Yebo eqotho leyo, hhayi ukwesaba okugqoke njengothando.
Kuwo womathathu lawa amacala akukho ukuzila. Akekho okutshela ukuthi udele okuthile.
Inombolo yendawo ayibophi, i-ayiqondisa. Ukwazi lapho ukhona akukuvimbeli ukuya lapho ufuna khona. Ikuvumela ngempela.
Umkhosi wemizuzu eyishumi
Kanye ngeviki, thatha imizuzu eyishumi. Vula i-Cashfulness, bheka inombolo yakho yendawo, bheka indlela enyakaze ngayo uma kuqhathaniswa nezinsuku eziyisikhombisa ezedlule.
Cishe njalo, awudingi ukwenza lutho.
Kuhambe njengoba ubulindele, ukhona lapho obulindele ukuthi ukhona, indlela isaqinile. Kuhle njalo.
Emva kwamasonto ambalwa, kuqala ukwenzeka into ongayihlelanga. Umcabango obuwubuyela kwesinye isikhathi — ngihamba kahle? ngihamba kabi? — uyaduduza. Hhayi ngoba konke kuhamba kahle njalo, kepha ngoba uyeka ukudinga ukukucabanga. Kukhona inombolo. Ibuyekeziwe. Ungayibheka noma nini. Futhi cishe njalo, leyo nombolo ikutshela ukuthi indlela isaqinile.
Ngumehluko phakathi kokuba nokukhathazeka esizindeni nokuba nedatha esizindeni. Okwesibili kubiza amandla ambalwa kakhulu kunokokuqala.
Izikhathi ezimbalwa lapho inombolo yendawo ikutshela okuhlukile — indleko engalindelekile enkulu kunalokho okulindelekile, imfuyo ephulukene nenani, isikweletu esikhulile ngoba wakhohlwa ukhokhelo — manje uyakwazi ngaphambi kokuba kube inkinga.
Awukutholi ngemva kwezinyanga eziyisithupha, lapho sekudingeka ukuthi ulungise indlela ngesigcwagcwa.
Umuntu ongenayo inombolo yendawo iminyaka eminingi, uvame ukuzithola phambi kokunye kwezimo ezimbili.
Noma uthole, ngesikhashana esibi (ukulahlekelwa umsebenzi, ukwehlukana, ukugula), ukuthi unalokuncane kunalokho abekucabanga — futhi kufanele abuyisele ngokushesha izinto ezidinga isikhathi.
Noma athole ukuthi unokuningi kunalokho abekucabanga, futhi aqonde kamuva kuphela ukuthi wazincisha iminyaka eminingi izinto abengakwazi ukuzithola ngaphandle kwenkinga.
Zombili lezi zimo ziyabiza, ngezindlela ezehlukene.
I-Cashfulness ayithathi izinqumo esikhundleni sakho. Ayikutsheli ukuthi kufanele uthenge indlu, kufanele ushintshe umsebenzi, kufanele usize umntwana. Ikunika inombolo yendawo oqala kuyo. Okunye ukukhetha kwakho, ukwenza usazi.
Futhi inombolo yakho yendawo isale eyakho, njalo. Idatha ezwakalayo futhi siyiphatha njengokunjalo.
— Vittorio