Imali engenayo ye-Passive: Ukukhuphuka kwesiko le-hustle eseceleni

• About the Author:
• Igama lomlobi

  I-Quantumrun Foresight
• July 17, 2023

Amaphuzu avelele okuqonda

Ukukhula kwesiko lokuphithizela eceleni, okuholwa kakhulu yizizukulwane ezincane ezifuna ukulungisa ukuntengantenga komnotho kanye nokuzuza ukulingana kwempilo yomsebenzi, kulethe izinguquko ezibalulekile kusiko lomsebenzi kanye nezezimali zomuntu. Lolu shintsho lubumba kabusha imakethe yezemisebenzi, lukhuthaza intuthuko yezobuchwepheshe, lushintsha amaphethini okusetshenziswayo, futhi lube nomthelela kwezepolitiki nezemfundo. Kodwa-ke, iphakamisa ukukhathazeka mayelana nokungavikeleki kwemisebenzi, ukuhlukaniswa nomphakathi, ukungalingani kweholo, kanye nethuba lokutubeka ngenxa yokusebenza ngokweqile.

Ingqikithi yemali engenayo

Ukwenyuka kwesiko lokuphithizela kubonakala kuqhubeka ngale kokwehla nokugeleza kwemijikelezo yezomnotho. Yize abanye bekubona njengokuthambekela okuthole umfutho ngesikhathi sodlame lwe-COVID-19 futhi okungenzeka kunciphe njengoba umnotho uzinza, izizukulwane ezincane zibuka ukuzinza ngokungabaza. Kubo, umhlaba awubikezeleki ngokwemvelo emhlabeni wonke, futhi izindlela zendabuko zibonakala zingathembeki kangako. 

Ukuqaphela kwabo ipulani yemisebenzi evamile kukhuthaza ukukhula komnotho wamagigi kanye nezinxushunxushu eziseceleni. Balangazelela ukulingana kwempilo yomsebenzi kanye nenkululeko evame ukuntula emisebenzini yendabuko. Naphezu kokwanda kokuvuleka kwemisebenzi, imali abayitholayo iyehluleka ukukhokha izindleko nezikweletu eziqoqwe ngesikhathi sodlame. Ngakho-ke, isiphithiphithi esiseceleni siba isidingo sokubhekana nezingcindezi ze-inflation. 

Ngokocwaningo lwemakethe yezezimali i-LendingTree, abantu baseMelika abangamaphesenti angu-44 basungule izingxabano ngesikhathi sokwehla kwamandla emali, okuwukukhuphuka ngamaphesenti angu-13 kusukela ngo-2020. I-Gen-Z ihamba phambili kulo mkhuba, ngamaphesenti angu-62 aqala ama-side gigs ukuze alinganise izimali zabo. Lolu cwaningo luphinde lwembule ukuthi amaphesenti angama-43 adinga imali eseceleni ukuze ahlangabezane nezidingo zawo eziyisisekelo futhi cishe amaphesenti angama-70 azwakalisa ukukhathazeka ngenhlalakahle yawo yezezimali ngaphandle kokuhilizisana.

Lo bhubhane kungenzeka ukuthi ukusheshisile ukwamukelwa komcabango oseceleni. Noma kunjalo, kumaGen-Z amaningi kanye neMillennials, imele nje ithuba. Abasebenzi abasebasha bakulungele kakhulu ukubekela abaqashi babo inselelo futhi abazimisele ukubekezelela inkontileka yezenhlalakahle ephukile yezizukulwane ezedlule. 

Umthelela ophazamisayo

Isiphithiphithi esiseceleni noma isiko lokungenzi lutho lemali engenayo libe nemithelela eshintshayo yesikhathi eside kwezezimali zomuntu siqu namasiko omsebenzi. Ngokuyinhloko, kuye kwashintsha ubuhlobo babantu nemali. Imodeli yendabuko yokusebenza umsebenzi owodwa wesikhathi esigcwele kanye nokuthembela emthonjeni owodwa wemali engenayo ithathelwa indawo yisakhiwo semali engenayo esahlukene, esiqinile. 

Ukuvikeleka okunikezwa yimithombo eminingi engenayo kuvumela abantu ukuthi babhekane nezinkinga zezimali ngempumelelo. Kuphinde kwakha amathuba okwanda kokuzimela ngokwezimali, okuvumela abantu ukuthi batshale imali eningi, bonge kakhulu, futhi bangase bathathe umhlalaphansi kusenesikhathi. Ngaphezu kwalokho, ukukhula kwezinxushunxushu kungaba nomthelela emnothweni onamandla, onamandla njengoba abantu beqala amabhizinisi amasha futhi basungule izindlela okungenzeka bangenazo ezimweni zokuqashwa ezijwayelekile.

Kodwa-ke, isiko le-hustle eseceleni lingaholela ekusebenzeni ngokweqile kanye nokwanda kwengcindezi. Njengoba abantu belwela ukuphatha imisebenzi yabo evamile kuyilapho bakha futhi begcina imithombo yemali eyengeziwe, bangase basebenze amahora amade, okungaholela ekutubekeni. 

Lesi siko singase futhi sikhombise futhi sikhulise ukungalingani kweholo. Labo abanezinsiza, isikhathi, kanye namakhono okuqala ama-side hustles bangase bakhulise ingcebo yabo, kuyilapho labo abangenazo izinsiza ezinjalo bangase bathwale kanzima ukuqhubeka. Ukwengeza, ukukhula komnotho we-gig kuphakamise imibuzo ebalulekile mayelana namalungelo abasebenzi kanye nokuvikelwa, njengoba ama-side hustles amaningi anganikeli izinzuzo ezifanayo njengokuqashwa kwendabuko.

Imithelela yemali engenayo

Imithelela ebanzi yemali engenayo ingase ihlanganise: 

• Ukwakhiwa kabusha kwemakethe yezabasebenzi. Imisebenzi evamile yesikhathi esigcwele ingase ingande njengoba abantu abaningi bekhetha ukuguquguquka nokulawula umsebenzi wabo okuholela ekwehleni okuphelele kwesidingo semisebenzi engu-9-5.
• Ukwenyuka kokungavikeleki kwemisebenzi, njengoba abantu bengase bazabalaze ukugcina indlela engenayo engashintshi futhi bantule ukuvikelwa okufana nokunakekelwa kwezempilo kanye nezinhlelo zokuthatha umhlalaphansi.
• Ukwanda kokuhlukaniswa nomphakathi njengoba indawo yokusebenza yendabuko ivame ukuhlinzeka ngokuxhumana nabantu, okungase kungabikho kulabo abasebenza ngokuzimela.
• Ukwenyuka kwemali esetshenziswa emikhakheni ebhekelela izidingo kanye nezidingo zalabo abanemali engenayo eyengeziwe.
• Ukuthuthukiswa kobuchwepheshe obusekela ama-side hustles, okuhlanganisa izinkundla ezixhumanisa ama-freelancers namakhasimende angaba khona, izinhlelo zokusebenza ezisiza ukuphatha imali engenayo eminingi noma ubuchwepheshe obusiza umsebenzi okude.
• Abasebenzi abakhetha ukuhlala ezindaweni ezingabizi kakhulu, okunomthelela kumanani abantu basemadolobheni nasemaphandleni.
• Ukwenyuka kwesidingo semithethonqubo yokuvikela abasebenzi emnothweni we-gig, okuthonya inkulumompikiswano yezepolitiki kanye nenqubomgomo.
• Ukwanda kwesidingo sezinhlelo zemfundo ezifundisa amakhono ebhizinisi kungaholela ekugcizeleleni okubanzi kwamasiko kwezamabhizinisi.

Imibuzo okufanele icatshangelwe

• Uma unama-side hustles, yini eyakukhuthaza ukuba ube nawo?
• Abasebenzi bangalinganisa kanjani imali engenayo kanye nokuphepha komsebenzi?