Umxholo
- 1. Unxibelelwano - yazini ulwimi lwemali lomnye nomnye
- 2. Imephu yeMali-uzulazula kumahla ndinyuka akho emali
- 3. Ukusebenzisana - sebenzani njengeqela
Nangona umtshato lelona ziko lidala kwezentlalo kwaye unika isiseko esakhelwe phezu kwempucuko yethu, sisakhiwo sentlalo esiye sikwimeko yokuzivelela kwezinto rhoqo. Ekuqaleni, isiko lomtshato lalingenasiseko ngokweemvakalelo konke konke. Uthando alunanto yakwenza nayo, ngokutsho oko. Kwakuyiziko lezopolitiko nezoqoqosho elisekwe ngokwezezimali. Ke kutheni ingxoxo yezemali emtshatweni ingabinakho ukwenzeka? Ukuba umtshato ubusoloko usisithethe esisekwe ngokwezezimali, kutheni ke kukho konke ukudideka kwindlela yokuhamba apho isibini simi ngokwezimali? Impendulo kukuba sinokutshintsha komtshato kwinkulungwane yama-21 kufuneka siyikhaphe ngengqondo eguqukayo yezemali emtshatweni kuloo ndibano yentlalo.
Into yokuqala ekufuneka uyikhumbule kukuba ayilingani ngobukhulu obufanayo yonke imodeli. Akukho mpendulo icacileyo malunga nokuba isibini kufuneka siyiphathe njani imali emtshatweni. Abanye bakhetha ukudibanisa bonke ubutyebi babo ngelixa abanye begcina yonke into yahlukile. Okwangoku, abanye basebenzise imodeli ye-hybrid edibanisa ezinye ii-asethi ngelixa ezinye izinto zisazahlule.
Nazi izicwangciso eziluncedo eziza kukuqalisa kwimpumelelo yomtshato wezezimali
1. Unxibelelwano - yazini ulwimi lwemali lomnye nomnye
Kubalulekile ukuba neengxoxo ezivulekileyo malunga nemali kunye nokulawulwa kwemali. Kuya kufuneka uyazi imbali yomnye nomnye malunga nemali kunye nokuba zeziphi iindlela ezisisiseko ezifundisiweyo njengabantwana ngokubhekisele kwezi ngcamango. Mhlawumbi iqabane lakho okanye ngokwakho awuzange ufunde nto malunga nokulawula uhlahlo-lwabiwo mali? Mhlawumbi njengomntwana, omnye umzali wayilawula yonke imali ngelixa omnye edlala indawo yeqabane elithe cwaka? Mhlawumbi omnye wenu ukhuliswe ngumzali omnye ozimeleyo olawula incwadi yokukhangela? Zonke ezi zizinto ezibalulekileyo zembali ekufuneka ziphonononge xa ziqala ukwakha ubomi kunye.
2. Imephu yeMali-uzulazula kumahla ndinyuka akho emali
Kubalulekile ukuba ngaphambili kwasekuqaleni. Ayisiyiyo kuphela ukuba kufuneka ube nengxowa-mali engxamisekileyo kodwa izicwangciso ezicacileyo zohambo kwikamva lakho lezemali. Zeziphi izinto eziphambili ngokubaluleka kwemali kuni njengesibini? Zeziphi izinto onqwenela ukuqala ukuzigcinela zona? Ngeli xesha, unayo imali eyoneleyo yokonga, okanye ngaba le yinjongo kwikamva?
3. Ukusebenzisana - sebenzani njengeqela
Umlingane wakho uhlala efuna ukwazi kwimidlalo yakho ephambili emalunga nemali, ke ube selubala. Nyaniseka kwinkcitho enkulu kwaye uthethe ngayo ngaphambi kokuba uyenze. Iziganeko ezincinci zemihla ngemihla azisoloko zifuna incoko kodwa zilumke njengoko zisongeza nazo. Ukuba wenze ukungahambi kakuhle ngemali, kwaye khange uthethe ngayo neqabane lakho kuqala, fess up kwaye ucacise ukuba kwenzeke ntoni kwiqabane lakho. Ngokuqinisekileyo unokujongana nezinto ngcono njengeqela kunokuba yedwa njengomntu yedwa.
Ukuyisonga
Kwakhona, kubalulekile ukuba ukhumbule ukuba akukho mithetho inzima kwaye ikhawulezayo malunga nokulawula imali emtshatweni. Umtshato ngokwawo udlulile kwindaleko, ke kulungile ukuba uhambo lwakho lwezezimali luye ludlule kwimethamorphosis amaxesha ngamaxesha ngokunjalo. Uluvo oluphambili ekufuneka ulugcinile engqondweni kukuba izicwangciso zakho zemali zinokutshintsha kwaye zikhule njengoko ubudlelwane bakho buya kuba njalo.
Endleleni yam yokuba ngugqirha, ndathatha indlela enamajikojiko. Ukuqala kokuqala njengoMfundi oPhumeleleyo kwiMbali othatha inxaxheba kwimivubukulo kunye nokufundisa ngembali yesikolo esiphakamileyo iminyaka eli-10; njengoko ndandiqhubela phambili kwicandelo lezemfundo, ndafumanisa ukuba umdla wam wokwenyani wawukukunceda abantu ukuba bahambe kwimiqobo yobomi ukuze baphumeze ezona zinto zibalaseleyo kubo. Ndisebenze kwizicwangciso ezahlukeneyo ezivela kwiiklinikhi zempilo yengqondo, useto lwesikolo sikarhulumente, izikolo zonyango, ezabucala, kwanamakhaya abantu. Ukusuka kutitshala ukuya kumlawuli, umphathi weklinikhi kunye nomnini weshishini, amava am ahluke kakhulu kwaye makhulu. Ndifundile ukuba nangona ungaqala kwindlela enye kwaye uhambo lunokuba lude kwaye lunzima, indawo oya kuyo inokuba ikamva lakho.
Ngoku njengomcebisi wezempilo yengqondo onelayisensi, i-LMHC, ndijolise ekusebenzeni nabantwana kunye neentsapho. Ngaphezulu kweminyaka eli-16 yamava okusebenza nabantwana bayo yonke iminyaka, ndiyabanceda abantwana kunye nabo babakhathalelayo ukuba benze intsingiselo yamava obomi anzima kunye nemiba entsonkothileyo yengqondo. Kunye nokunceda iintsapho ukuba zihambe kwimiqobo yobomi, ndisebenza nabantu abadala abajamelana noxinzelelo, unxunguphalo, uxinzelelo, kunye nemicimbi yokuhlangana kunye neyokusebenzisana. Ukoyisa imiqobo yobomi kunye nemiqobo kubaluleke kakhulu kwimpumelelo kabani kunye nemvakalelo yokufezekiswa.