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Ukuya kuthi ga kwi-70 yorhwebo ngenyanga. Kukho ngaphezu kwe-5 izibini ezikhoyo.
Imirhumo yenyanga iqala kwi-£58.
Khawufane ucinge ukuba sizama ukuyila imodeli yokukhethwa kwempahla eya kuthi igqwese imarike kule minyaka ilishumi izayo. Emva kophando oluninzi kunye novavanyo siyayigqibezela indlela yethu. Nangona besingakwazi oku kwangethuba, inkqubo esiyiyileyo ilungile – ayikho enye indlela engcono yokujongana nengxaki esizama ukuyisombulula. Xa kujongwa oku, singenza ntoni ngenkqubo yotyalo-mali esiyiphuhlileyo kule minyaka izayo?
Yitshintshe kwaye uyenze ibe mbi ngakumbi.
Nokuba siyila indlela yotyalo-mali egqibeleleyo isihendo sokucinga kunye nohlengahlengiso sinokubonakala singenakuthintelwa. Kutheni kunzima kangaka ukunyamezela nangona sinendlela ephilileyo?
Kukho ukungangqinelani phakathi kwengxelo yexesha elifutshane kunye neenjongo zexesha elide:
Ukuba injongo yenkqubo yethu yotyalo-mali yeyexesha elide ngokwendalo; ukusebenzisa ukusebenza kwexesha elifutshane njengendlela yokuvavanya ukomelela kwayo kunokwenzeka ukuba kungabi nantsingiselo kwaye okona kubi kakhulu kuchasene nemveliso. Zonke iindlela zotyalo-mali ziya kunyamezela ukupela kwi-doldrums kwaye ukusabela kwezi kunye nokuguqulwa kwenkqubo rhoqo yindlela ethile eya kwiziphumo ezibi.
Isidingo sokuhlala usenza into:
Ukugcina ukholo kunye nenkqubo yotyalo-mali ixesha elide lithetha ixesha elininzi ungenzi nto. Oku kuvakala kulula kodwa akukho nto. Iimalike zezemali zihlala ziguquguquka, zihlala zivelisa amabali amatsha nakhuthazayo. Ukuguquguquka okwexeshana kwiimarike kudla ngokuziva ngathi utshintsho lolwandle lwehlabathi xa siphila kuzo. Umnqweno wokwenza okuthile unamandla.
Ukuthandabuza inkqubo:
Xa indlela yethu yokusebenza inengxaki yokusebenza kakubi kwexesha elifutshane kuya kubakho uxinzelelo olukhulu lokutshintsha. Oku kuya kuba ngamathandabuzo angaphakathi (kuthekani ukuba inkqubo yam yophukile?) kwaye, kubatyali-mali abaqeqeshiweyo, uxinzelelo lwangaphandle – 'awenzanga kakuhle, yenza okuthile ngaloo nto'. Ukutshintsha inkqubo yethu kunokusenza sizive bhetele (singacinezelekanga, sicinezelekile, sixhalabile) nokuba asikholelwa ukuba yeyona nto ilungileyo ukuyenza.
Ukuziva unolawulo:
Ukungazinzi kunye nokungaqiniseki kwiimarike zemali kunokuphazamisa kakhulu; Uhlengahlengiso lwenkqubo lunokuthi, ngempazamo, luzive ngathi sijijisana ngasemva kolunye uhlobo lolawulo.
Ukutyeba kakhulu kolwazi lwamva nje:
I-bias yamva nje ithetha ukuba siya kuthambekela ekutyebeni ngokugqithisileyo ukubaluleka kweziganeko zangoku kwaye sinciphise kakhulu ixesha elidlulileyo. Ngenxa yokwahluka okukhoyo kweemarike zemali kwixeshana elifutshane oku kuya kuthetha ukuba sihlala silingeka ukuba sihlengahlengise inkqubo yethu ngokusekelwe kwinto eyenzekayo ngoku.
Ukuzithemba ngokugqithisileyo:
Ukukwazi kwethu ukuba neempembelelo ezilungileyo kugqithiswe kakhulu. Ukuba sinendlela yotyalo-mali elumkileyo ukuqala ngayo, ukuyiphucula akunakufane kube lula. Siya kubaxa kakhulu amandla ethu okuphumeza utshintsho oluya kuphucula amathuba ethu okuphumelela.
Ukuphucula akwanelisi:
Umnqweno wethu wokuhlengahlengisa kunye nokuzama ukomeleza inkqubo yethu yotyalo-mali uqhutywa yinkolelo yokuba kufuneka siphucule - ukufumana esona sisombululo silungileyo. Ngelixa oku kuyinjongo ephucukileyo kwithiyori, ukungaqiniseki okunzulu kweemalike zemali kwenza kube yingozi ekusebenzeni. Ukukhangela okungapheliyo kunye nokunzima kweyona nkqubo yotyalo-mali ingcono kunokukhokelela ubuncinane kwizigqibo ezimbi njengezilungileyo. Ukwanelisa - ukwamkela isicwangciso esilungileyo ngokwaneleyo - kwaye ukusigcina kunokuba yeyona ndlela ilungileyo kuninzi lwethu.
Ubukrelekrele ngaphezu kokuziphatha:
Iinguqu zethu zenkqubo ziya kuthanda ukugxila ekusukeleni kwengqondo ukufumana imithombo emitsha yolwazi okanye ukuzisebenzisa ngeendlela ezahlukeneyo. Ingqalelo encinci ibonakala ihlawulwa kwimingeni yokuziphatha kutyalo-mali. Eyona ndlela inamandla yotyalo-mali iya kuqhawuka phakathi ukuba asinako ukunyamezela kuyo.
Kusenokubonakala ngathi ndicebisa ukuba singaze sizame ukuphucula inkqubo yethu yotyalo-mali. Oku akunjalo. Ukuzabalazela ukufunda nokuphuhlisa kubalulekile. Kubalulekile ukuqonda, nangona kunjalo, ukuba umkhwa wethu ngokuqinisekileyo uya kuba kukwenza okuninzi kakhulu, rhoqo ngexesha elingalunganga. Kufuneka sibe nomqobo ophezulu ngokufanelekileyo wotshintsho.
Ungaze uyijongele phantsi inzuzo ezuzwe ngumtyali-mali onendlela enengqiqo kwaye unokubambelela kuyo.
umbhali: Joe Wiggins
umthombo: Utyalo-mali lokuziphatha
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