Umxholo
- 1. Ngaba sisebenza ngokubambisana?
- 2. Leliphi ityala esinalo?
- 3. Ngaba siceba ukuba nabantwana?
- 4. Zithini iinjongo zethu zezemali?
- 5. Siza kulubeka njani uhlahlo-lwabiwo mali?
- 6. Zeziphi iindleko esinokuzilindela kusapho olongezelelweyo?
- 7. Ingaba sinayo ingxowamali engxamisekileyo okanye yomhlala-phantsi?
- 8. Siya kwisishumi?
Wonke umntu uyazi ukuba imali sisifundo esichukumisayo, ngakumbi emtshatweni. Abanye abantu abatshatileyo banokukhetha ukuthetha malunga nobomi babo besondo kunokuthetha ngemali yabo!
Njengokuba kukho izinto ezininzi ebomini; ukuvuleleka nokunyaniseka omnye komnye yeyona ndlela yokujongana nokoyisa imiceli mngeni kunye.
Ukuba ungaqala ukuphuhlisa iindlela ezifanelekileyo zolawulo lwemali, okanye izicwangciso zolawulo lwemali kwasekuqaleni, kwanangaphambi kokuba utshatile, kuya kukubeka endaweni efanelekileyo kule minyaka izayo.
Ezi ngcebiso zokulawulwa kwemali zisibhozo ziya kukunika ukuqala kokucinga malunga nokucwangciswa kwezemali kwizibini kunye nendlela yokuphatha imali ngcono.
1. Ngaba sisebenza ngokubambisana?
Lo mbuzo ubalulekileyo awusebenzi kuphela kwindlela yokulawula imali emtshatweni kodwa nakwindawo zonke zobomi babantu abatshatileyo. Kuya kufuneka ucinge malunga nokuba uya kugcina iiakhawunti ezahlukeneyo, okanye udibanise yonke imali yakho.
Ukuba kulawulo lwemali emtshatweni, ukhetha ukuba neeakhawunti ezahlukileyo, ngaba umntu ngamnye uya kuba noxanduva lweendleko ezithile, kwaye ngaba niyakucacisa malunga nemilinganiselo yenu?
Ngaba usenayo ingcinga 'yeyam' kunye 'neyakho,' okanye ucinga 'ngokwethu.' Ukhuphiswano lunokuba ngumqobo wokwenene ukusebenza njengeqela.
Ukuba uziva ukuba ngandlela thile kufuneka ukhuphisane kwaye uhlale uzingqina kwiqabane lakho, kuyakukuthintela ekuboneni okona kulungileyo kuni nobabini.
2. Leliphi ityala esinalo?
Igama elikhulu elithi "D" kunokuba nzima kakhulu ukujamelana nalo, ngakumbi ukuba usandul 'ukutshata. Ke abantu abatshatileyo bafanele bayiphathe njani imali xa benamatyala?
Okokuqala kufuneka nyaniseka ngokupheleleyo kuwo onke amatyala akho ongekahlawulwa.
Sukuyiphika okanye uyiyekelele ecaleni le ongenakujamelana nayo njengoko izakukhula kuphela kwaye yenza izinto zibe mbi ekugqibeleni. Jongani amatyala enu kunye, ukuba kukho imfuneko, fumana uncedo ekwenzeni isicwangciso sentlawulo.
Iingcebiso ngamatyala zifumaneka ngokubanzi, kwaye kukho indlela eya phambili kwimeko nganye. Nje ukuba ukwazi ukufikelela kwimo engenamatyala, yenza konke onako ukukwenza njengesibini sokuhlala ngaphandle kwetyala kangangoko kunokwenzeka.
3. Ngaba siceba ukuba nabantwana?
Lo ngumbuzo oya kuthi uxoxe ngawo kwangethuba xa waqondayo ukuba ubudlelwane bakho babunzima. Kubalulekile ukuba nifikelele kwisivumelwano kunye nokuqonda malunga nokuba nabantwana.
Ngaphandle kwazo zonke iintsikelelo zokuqala usapho, ewe, kukho iindleko ezingaphezulu ezinokubangela uxinzelelo kulawulo lwemali kwizibini ezitshatileyo.
Njengokuba abantwana bekhula ngokuhamba kweminyaka, ke iindleko zihlala zikhula, ngakumbi ngokubhekisele kwiindleko zemfundo. Ezi ndleko kufuneka zixoxwe kwaye zithathelwe ingqalelo xa uceba usapho kunye.
4. Zithini iinjongo zethu zezemali?
Ezinye zezibonelelo zokwabelana ngemali emtshatweni kukuba unako setha iinjongo zakho zemali kunye. Ngaba uceba ukuhlala kwindlu enye okanye kwigumbi elinye ubomi bakho bonke, okanye ungathanda ukwakha okanye ukuthenga indawo yakho?
Ngaba ungathanda ukufudukela ezilalini okanye ngaselwandle? Mhlawumbi ufuna ukuchitha iminyaka yakho kamva uhamba umhlaba kunye. Okanye ungathanda ukuvula elakho ishishini.
Ukuba sele ufumene umsebenzi olungileyo, ngawaphi amathuba wokunyusa onokubona kwangaphambili? Kuhle ukuba uxoxe ngale mibuzo rhoqo kwaye uphinde uvavanye iinjongo zakho zemali amaxesha ngamaxesha, njengoko amaxesha obomi bakho eqhubela phambili.
5. Siza kulubeka njani uhlahlo-lwabiwo mali?
Ukuseta uhlahlo-lwabiwo mali lwezibini ezitshatileyo kunokuba lithuba elihle lokwazana kwinqanaba elinzulu.
Ngelixa ukhupha i-nitty-gritty yenyanga nenyanga, ngeveki, kunye nenkcitho yemihla ngemihla, unokuthatha isigqibo kunye ngokubalulekileyo, kubalulekile, kwaye yintoni engabalulekanga kangako okanye elahlwayo.
Ukuba awuzange ugcine uhlahlo-lwabiwo mali ngaphambili, eli lixesha elihle lokuba uqale.
Ngokuqinisekileyo iyakuba ligophe lokufunda nobabini kwaye ininike iseti yemida encedisayo ukukunika uxolo lwengqondo, usazi ukuba uya kuyenza ngokwezemali ukuba hlala kubhajethi enivumelene ngayo kunye.
6. Zeziphi iindleko esinokuzilindela kusapho olongezelelweyo?
Uyiphatha njani imali emtshatweni? Kuxhomekeka kwimeko yakho yosapho, unokufuna ukuqaphela ezinye iindleko ezinxulumene nosapho lwakho olongezelelweyo.
Ngaba unabazali abalupheleyo abafuna uncedo, okanye mhlawumbi abazali bakho basenokufuna ukuhlala nawe kwinqanaba elithile?
Okanye mhlawumbi omnye wabantakwenu kwiqabane lakho utyhubela ixesha elinzima; Ukuqhawula umtshato, ukungasebenzi, okanye ukujongana nesiyobisi.
Ewe ungathanda ukunceda naphi na apho unako, ke oku kufuneka kuxoxwe ngononophelo, kuqinisekiswe ukuba nobabini nikwiphepha elinye xa kufikwa kumba wokuba uza kunceda nini kwaye kangakanani.
Jonga kwakhona:
7. Ingaba sinayo ingxowamali engxamisekileyo okanye yomhlala-phantsi?
Xa uxakekile uphila ubomi bakho bemihla ngemihla ngoku, kunokuba lula ukulibala malunga 'nocwangciso lwezemali lwezibini.' Nangona kunjalo, ukukhetha ngobulumko imali emtshatweni wakho kubandakanya ukucinga nokucwangcisa kwangaphambili neqabane lakho.
Ungathanda uku Xoxa ngokumisela ingxowa-mali engxamisekileyo Kwezo ndleko zingalindelwanga ezikhulayo amaxesha ngamaxesha, njengokulungiswa kwezithuthi, okanye xa umatshini wokuhlamba impahla esweleka.
Ke, kunjalo, kukho umhlala-phantsi. Ngaphandle kwengxowa-mali yomhlala-phantsi onokuyifumana emsebenzini wakho, ungathanda ukubekela bucala imali ethe kratya kula maphupha uwakhe wawagcina ngeentsuku zakho zomhlala-phantsi.
8. Siya kwisishumi?
Isishumi ngomnye wemikhwa elungileyo esinceda ukusigcina ekubeni singacingeli iziqu zethu nokuzingca ngokupheleleyo.
Ukunika ubuncinci ishumi leepesenti lomvuzo wakho ecaweni yakho okanye isisa sokhetho lwakho kukunika uluvo oluthile lokoneliseka okuza ngokwazi ukuba ngandlela thile uwuphakamisile umthwalo womnye umntu.
Mhlawumbi uziva ngathi awunakho ukubhatala isishumi, kodwa unganako ukunikela ngesisa, nokuba lixesha lakho okanye ububele bokubuk 'iindwendwe. Nobabini kufuneka nivumelane ngale nto kwaye nikwazi Yipha ngokuzithandela nangokuchwayita.
Bathi akukho mntu uhlala ehlwempu kakhulu ukuba anganikela, kwaye akukho mntu usisityebi kangangokuba akadingi nto ebomini. Ngaphaya koko, sebenzisa ezi ngcebiso malunga nendlela yokulawula imali njengesibini esitshatileyo ukulawula ngokufanelekileyo imali yomtshato.