Umxholo
- Iingcebiso zoqhawulo mtshato kwabasetyhini
- Ngaba kufuneka uqeshe igqwetha elibiza umtshato?
- Uhlahlo lwabiwo-mali lokuhlawula emva komtshato
- Izibonelelo zokhuseleko loluntu kunye nokutshata kwakhona
- Ucwangciso lotyalo mali emva komtshato
- Ukucwangcisa nokuhlaziya amaxwebhu
- Ii-asethi zomhlalaphantsi
Ukuba uqhawula umtshato, oko kuzakuba ngumceli mngeni kuwe, ngokweemvakalelo nangokwezemali. Nangona omabini amaqabane ehamba kumaxesha anzima emva koqhawulo-mtshato, ihlala ingabasetyhini abaqhuba kakubi emalini emva koqhawulo mtshato. Kungenxa yoko le nto kubalulekile ukuba wazi ngeyona ngcebiso yezezimali yoqhawulo mtshato kubafazi.
Abafazi bahlala bengabongi abaphambili babantwana babo oko kuthetha ukuba kufuneka bathathe ikhefu emsebenzini ukuze bazalisekise olu xanduva. Oku kunokuba nefuthe kwinqanaba labo lokuqhubela phambili lomsebenzi xa kuthelekiswa nalawo amaqabane abo ajolise ikakhulu kwimisebenzi yabo. Oku kuzakwenza izinto zibe nzima kubo xa bebuyela kwimisebenzi yabo emva kokuba beqhawule umtshato. Banokude bafunde izakhono ezitsha okanye bafumane ikhondo elitsha lomsebenzi ngokupheleleyo. Ngenxa yako konke oku, ukonga kwabo umhlala-phantsi kunye nezibonelelo zokhuseleko lwentlalo kwixesha elizayo ziya kuba sezantsi kakhulu kunabalingani babo abangamadoda.
Kuba abantu basetyhini bajongene neengxaki ezongezelelweyo xa kuthelekiswa namadoda, Nazi ezinye iingcebiso malunga nendlela yokuqinisekisa ukuba imeko yezemali kuwe, njengomfazi, ikhuselekile.
Iingcebiso zoqhawulo mtshato kwabasetyhini
Intloko yakho iya kuthi ijikeleze ngemibuzo emininzi. Ndiza kuzixhasa njani? Oku kuya kuwuchaphazela njani umsebenzi wam nomsebenzi? Ngaba ndiza kulahlekelwa likhaya lam? Ngaba ndiza kuba nakho ukuhlawula indlu yam ukuba ndiza kuyigcina? Apha ngezantsi kukho izinto omele uzigcine engqondweni.
Ngaba kufuneka uqeshe igqwetha elibiza umtshato?
Ukugcina imali kwimirhumo yegqwetha njl. Unokufuna ukuba intlungu iphele ngokukhawuleza yiyo loo nto unokufuna ukuba izinto ziphele ngokukhawuleza. Ukuba ityala loqhawulo-mtshato liza kuvavanywa, iya kukubiza ngaphezulu. Unokucinga ukuba ungawazalisa amaphepha oqhawulo-mtshato ngenkonzo ye-Intanethi, ngexabiso eliphantsi kakhulu. Ukuba uqinisekile kwaye uqinisekile ukuba wena neqabane lakho ningavumelana ngayo yonke imiqathango, yahluleni ii-asethi ngokulinganayo nangokufanelekileyo, kwaye ukuba akuyi kubakho mpikiswano malunga nokugcinwa komntwana nenkxaso, kungcono ungalifumani igqwetha.
Kodwa ukuba izinto ziya ziba nzima, kuya kufuneka uqeshe igqwetha loqhawulo-mtshato okanye umlamli woqhawulo mtshato kuxhomekeka ekubeni ungasindisa malini.
Uhlahlo lwabiwo-mali lokuhlawula emva komtshato
Isinyathelo esilandelayo kunye neengcebiso ngezemali kubafazi abaya kuqhawula umtshato kufuneka benze uhlahlo-lwabiwo mali emva kokuba umtshato uphelile. Xa uqhawula umtshato, imali iya kuba yeyona nto iphambili engqondweni yakho. Inyathelo lokuqala kukuqokelela lonke ulwazi malunga nemali yakho. Ukwazi iiasethi zakho kunye namatyala kubaluleke kakhulu. Emva kokuba wenze oko, yenza uhlahlo-lwabiwo mali.
Kuya kufuneka wenze uhlahlo-lwabiwo mali oluchaza izinto eziphambili ngokubaluleka, ezinje:
- izinto eziphambili ngokubaluleka kwezemali
- izinto eziphambili ngokubaluleka kwipropathi
- izinto eziphambili ngokubaluleka kubantwana
Ngokwesiqhelo, abafazi bafumana ilungelo lokugcina abantwana kuqhawulo-mtshato. Ingcebiso ngezemali yabasetyhini, kule meko, iya kuba kukudala uhlahlo-lwabiwo mali olungiselela zonke iimfuno. Abasetyhini bahlala befumana ubunini bezindlu ngokunjalo. Ukwenza uhlahlo-lwabiwo mali lokugcina indlu kunye nokukhathalela abantwana kufuneka kube yeyona nto iphambili.
Zama ukuphendula imibuzo enje 'ngawaphi amatyala aza kuhlawulwa ngendlela ekhethekileyo?', 'Ngubani oza kuyigcina indlu?', 'Ukuba indlu izakuthengiswa, iza kwahlulwa njani imali?', ' Ngubani oza kuhlawula ikholeji yabantwana? ' njl.
Ngelixa usenza uhlahlo-lwabiwo mali, iimfuno zekamva kufuneka zigcinwe engqondweni njengemfuno yakho yokuthenga imoto entsha ezantsi emgceni, ukulungiswa okukhulu kwenziwe, njl.
Izibonelelo zokhuseleko loluntu kunye nokutshata kwakhona
Ukuba umtshato wakho uhleli kangangesithuba seminyaka eli-10 okanye ngaphezulu kunoko, uvumelekile ukuba ubange izibonelelo zomtshato. Kodwa ukuba uphinde watshata, awusenalo ilungelo lokubanga izibonelelo kwiqabane lakho langaphambili. Kuya kufuneka ugcine umvuzo wakho wangoku, kunye nezibonelelo ozifumanayo kunye neqabane lakho elitsha, konke engqondweni yakho ngaphambi kokuthatha isigqibo sokutshata kwakhona.
Imeko yezemali kufuneka igcinwe engqondweni ngaphambi kokutshata kwakhona. Ukuba izibonelelo zomlingane oqhawule umtshato ziphezulu kunezibonelelo ezinokubakho kwiqabane elitsha, uya kuthanda ukubandezeleka ngokwezemali. Ke, cinga ngononophelo malunga nento ekufuneka uyenzile.
Ucwangciso lotyalo mali emva komtshato
Ukufezekisa iimfuno zakho zekamva, kuya kufuneka uyazi ukuba unemali engakanani namhlanje kwaye uza kuyityala njani kwikamva. Ukunxibelelana nomcebisi wezezimali kuya kuba kokona kulungileyo. Kuxhomekeke kwiinjongo zakho, umcebisi wezezimali uya kukunceda wenze olona khetho lufanelekileyo lwexesha elizayo wakuba uqhawulile umtshato.
Ukucwangcisa nokuhlaziya amaxwebhu
Ukuba iqabane lakho lichazwe njengomxhamli kwisicwangciso esifanelekileyo somqeshi wakho, ii-IRAs, iimali ezihlawulwa ngonyaka kunye nemigaqo-nkqubo yeinshurensi yobomi, ezi asethi ziya kugqithiselwa kumxhamli wakho ekufeni kwakho. Ukuba ukhetha ukuba oku kungenzeki, kuya kufuneka uphonononge amaxwebhu akho kwaye uwahlaziye.
Ii-asethi zomhlalaphantsi
Elinye icebo lezemali kubafazi abangena kuqhawulo mtshato kukuthathela ingqalelo izicwangciso zabo zomhlala-phantsi kunye nezemali. Ukuthatha umhlala-phantsi kusenokungabi yinto yokuqala engqondweni yakho xa ujonga iziphumo zoqhawulo mtshato. Ungacinga ukuba ukukhathalela abantwana kunye nokuzifunela indawo kungangumba oxhalabisayo okwangoku, kodwa kufuneka ucwangcise ukuthatha umhlala phantsi ngaxeshanye. Kuya kufuneka ujonge yonke into ngexesha lokuqhawula umtshato ukuqinisekisa ukuba yonke into iyakuhoywa wakuphela umtshato ngokusemthethweni.
Ukuyisonga
Eyona ndlela ikhuselekileyo yokukhusela ikamva lakho kukuba uqale ngoku kwaye ucwangcise yonke into ngocoselelo. Fundiswa ngayo yonke imicimbi yemali. Qonda imeko yakho yezoqoqosho kwaye ucwangcise ngokweemfuno zakho. Siyathemba ukuba ingcebiso yezemali yoqhawulo-mtshato yabasetyhini ingqineke iluncedo kuwe.