Umxholo
- Thetha ngezinto ngokunyanisekileyo
- 2. Qiniseka ukuba wonke umntu uyabandakanyeka
- 3. Beka iinjongo zemali
- 4. Bekela bucala imali yezinto ezinkulu
- 5. Phinda ujonge kwakhona xa kufuneka
- 6. Yiba neengxoxo zeMali zeVeki
- 7. Yahlula uxanduva lwakho lwezemali
Ngaphandle kothando, ukuthembeka, kunye nokuthembeka, ukuhambelana kwemali kudlala indima enkulu ekwenzeni ubudlelwane buphumelele. Kungenxa yoko le nto kufuneka kubekho unxibelelwano oluvulekileyo kunye neenjongo ezifanayo. Mininzi imilinganiselo ekufuneka ijongiwe xa kufikwa kuvavanyo lokuhambelana komtshato kunye nendlela yokuvumelana ngezemali emtshatweni yenye yeenzame ekufuneka zonke izibini zisebenzele ukuthintela iingxaki zemali emtshatweni kwixa elizayo.
Ukulalanisa kwezemali yinxalenye ebalulekileyo yomtshato. Nokuba omabini amaqabane aneenjongo ezifanayo xa kusiziwa emalini, kuya kubakho iingxaki zemali emtshatweni eziya kufuna ukuxoxwa.
Ukuba ufuna ukufumana umlenze kulungelelwaniso olubandakanyekayo kucwangciso lwezemali, kuya kufuneka uthathele ingqalelo iingcebiso ezithile zokuvumelana kwezemali kwaye uphephe uloyiko lokungazithembi kwemali kwixa elizayo. Nazi iincoko zemali ezisi-7 neqabane lakho ekufuneka ubenazo
Esinye sezitshixo somtshato owonwabileyo kunye nekamva eliyimpumelelo kwezemali kukuthetha ngezinto ngokunyaniseka. Wena neqabane lakho kufuneka nazi ngokuthe ngqo ukuba loluphi uhlobo lwamatyala kunye neeasethi onazo kunye nolindelo lwakho lwezezimali kwikamva. Awunalo ithuba lokuseta isicwangciso esiluncedo semali ukuba aninakuthembeka omnye komnye.
Kunokubakho ukungqubana kwemali okuqhelekileyo emtshatweni kwaye Umahluko kwindlela eniziphatha ngayo nobabini, ekhokelela kwiingxaki zemali emtshatweni. Ke, ukuba uyazibuza ukuba ungafumana njani kwiphepha elinye neqabane lakho, buza imibuzo ukusombulula ukungaboni ngasonye neqabane lakho kwaye Xoxa ngemicimbi yakho yemali, uloyiko, iimfuno ngokucacileyo.
2. Qiniseka ukuba wonke umntu uyabandakanyeka
Xa usenza isicwangciso sakho sokuqala, qiniseka ukuba omabini amaqabane abandakanyeka ngokulinganayo. Akukho sicwangciso sezemali sinokuphila ukuba omabini la maqela akabandakanyekanga ekudalweni kwawo.
Ukucwangciswa kakuhle kwezemali kufanele kube kukulalanisa okuvela kwigalelo kumacala omabini. Ayinamsebenzi ukuba ingxoxo ithatha ixesha elingakanani - nobabini kufuneka nivumelane ngezicwangciso zenu zexesha elizayo. Ukuba ufuna ubudlelwane bakho bube bukhulu, thintela iingxaki zemali emtshatweni ukubeka phambili indlela yokuchitha kunye nokonga ngokubonisana neqabane lakho.
3. Beka iinjongo zemali
Kubalulekile ukuba uqiniseke ukuba uneenjongo xa ujongene nemali. Ukujonga kwikamva ekude kulungile, kodwa kungcono nokuba neenjongo zexesha elifutshane.
Ufuna ukuthenga indlu? Ngaba ufuna ukucwangcisa uhambo? Hlaziya amaphupha akho kunye neenjongo zakho ngokuthetha ngeenjongo zakho zemali, amathemba kunye namaphupha. Lo msebenzi uya kunceda ukunciphisa iingxaki zemali emtshatweni kunye nokwandisa ukuhambelana kwakho neqabane lakho.
Ukuba wena neqabane lakho ningavumelana ngezinto, ukuba ufuna ukwenza ntoni ngemali yakho, ungaluthintela uxinzelelo lwezezimali emtshatweni ngcono.
4. Bekela bucala imali yezinto ezinkulu
Ukubeka bucala imali yezinto ezinkulu yindlela elungileyo yokuqinisekisa ukuba iimali zakho zihlala zikwindawo efanelekileyo. Umzekelo, lonke uhlahlo-lwabiwo mali akufuneki lucaphuke kuba ufuna isithando somduduzo wokwenza ngokwezifiso.
Eso sehlo akufuneki sibangele ukuba izicwangciso zakho zezemali zikhuphe ulawulo.
Ukuba awuyenzanga ingxowa-mali yezinto ezinkulu okanye iimeko zongxamiseko, kuya kufuneka uyenze eyona nto iphambili. Thintela imiba yezemali emtshatweni ngokwakha iakhawunti yebhanki ukugcina iimeko ezingalindelekanga njengokulahleka kwemisebenzi, intlekele, imeko kaxakeka kwezempilo, njl.
Ukuba nobabini ninokuvuma ukubekela bucala imali ngexesha likaxakeka, iyakunciphisa iingxaki zemali emtshatweni kwaye nezicwangciso zenu zezemali ziya kukhuseleka ngakumbi.
5. Phinda ujonge kwakhona xa kufuneka
Enye yeendlela zokuthintela imali ekuchitheni umtshato wakho kukungaziphathi izicwangciso zakho zezemali ngokungathi zibekwe elityeni. Ubomi buza kutshintsha, kwaye ke kufuneka nezicwangciso zakho.
Xa utshintshe ubomi bakho, qiniseka ukuba uthetha ngohlahlo-lwabiwo mali. Ukuba elinye iqabane alonelisekanga ngamalungiselelo emali, endaweni yokubambelela kwisicwangciso sokuqala, ukuthetha ngemali neqabane lakho ukuze nifumane ukuvumelana kubalulekile.
Ukuphepha iingxaki zemali emtshatweni, ukulalanisa kungumphefumlo wokucwangciswa kakuhle kwezemali. Qinisekisa ukwenza izicwangciso kunye, ukuxhasana, kunye nokutshintsha izinto njengoko kufuneka. Ngokulalanisa kancinci, unokukhusela ikamva lakho lezemali kwaye uphephe iingxoxo ezininzi ezingeyomfuneko. Ngokuqinisekileyo le yinto exabisa ixesha lakho.
6. Yiba neengxoxo zeMali zeVeki
Enye yeendlela zolawulo lwemali emtshatweni kukugcina umkhondo weveki kunye okanye weeveki ozigcinileyo kunye nenkcitho kunye neqabane lakho. Oku akuyi kwenza kuphela Ndincedeni nobabini ukuba nisete izicwangciso zokuphela kwenyanga kodwa nakhe unxibelelwano kunye nokuhambelana neqabane lakho.
Oku kutshintshiselana ngezimvo kuya kuninceda nobabini nibe nolwazi ngendlela yokusingatha iingxaki zemali emtshatweni kunye nendlela yokuvumelana neqabane lakho ngemali.
7. Yahlula uxanduva lwakho lwezemali
Yahlula uxanduva lwakho lwezezimali neqabane lakho inyanga yonke. Umzekelo, uthathe isigqibo sokuba ngubani oza kuhlawula umbane, iWiFi, kunye nezinye iindleko, ngubani oza kujongana nokutya, njalo njalo. Qiniseka ukuba nobabini niyatshintsha iindima noxanduva kumaxesha ngamaxesha ukuze nibe neendlela ezipheleleyo zokulawula iimali emtshatweni ngcono
Ividiyo engezantsi ithetha malunga nemibuzo emi-5 yemali ekufuneka uyibuze kwiqabane lakho malunga nemali. Ukuthintela iingxaki zemali emtshatweni, yenza utshintsho kwezemali. Omnye wemibuzo oza kuyibuza yeyokuba yeyam, yeyakho kunye neyethu. Yenza iimfuno kunye noxanduva olwahlukileyo ukuze ucace malunga nobungakanani bemali yomtshato. Funda nzulu ngalo ngezantsi:
UKara Masterson
Eli nqaku libhalwe nguKara Masterson. Ungumbhali ozimeleyo ovela e-Utah. Uyayithanda iTennis kwaye uchitha ixesha nosapho. UKara ucebisa ukuba ujonge kwiindawo ezinje ngeCustom Comfort ngolwazi oluthe kratya lokonga imali kumaqondo obushushu aphezulu. ”