Umxholo
- 1. Guqula ukholo lwakho kwaye unikezele zonke iingxaki zakho kuThixo
- 2. Unxibelelwano ngumba ophambili
- 3. Vavanya izinto eziphambili ngokubaluleka kunye nemali
- 4. Fumana inkxaso
- 5. Nyaniseka kubantwana bakho
- 6. Qhubeka nobomi bakho bemihla ngemihla
Njengabazali, luxanduva lwakho ukondla iimfuno ezisisiseko zosapho, ukuhlawula amatyala ngexesha, ukubeka abantwana esikolweni kwaye usafuna ukubanakho ukubeka imali ecaleni. Ngazo zonke ezi zinto engqondweni, ukubuyela umva kwezemali yinto yokugqibela onokufuna ukuba yenzeke.
Ayisiyoxinzelelo nje kuphela kwaye iyakhathaza; Ingxaki yemali ikwajongana nesibetho esibi esinokuphazamisa ubudlelwane benu njengesibini kwaye sichaphazele wonke umntu kusapho.
Ukungaqeshwa, imeko engxamisekileyo yezonyango, kunye neendleko ezingalindelekanga ezinje ngemoto enkulu okanye ukulungiswa kwamakhaya konke kunokubangela ukubuyela umva kwemali.
Kodwa esona sizathu sokwenyani sokuba konke oku kukhokelele kwingxaki kukuba uninzi lwabantu alulungelanga ngokwasemalini kwezi meko zingalindelwanga.
Uvavanyo lweBhodi ye-Federal Reserve lufumanisa ukuba ama-4 kwabali-10 baseMelika abanakukwazi ukuhlawula i-400 yeendleko ezingxamisekileyo, oko kuthetha ukuba abo bangenayo imali esandleni kufuneka bathengise ezinye zezinto zabo, baphile ngetyala labo amakhadi, okanye uthathe ityala ukuze uqhubeke. Ityala labo lasekhaya kumyinge wemali linokunyuka xa kubakho inkcitho yeedola ezingama-400.
Ukuba uzibona uphoswa kwezi meko zinzima ungakulungelanga, amathuba okuba wena kunye nosapho lwakho niza kusokola ngokwezimali. Nangona kunjalo, ayifuni ukuba sisiqendu esothusayo kusapho lwakho.Nazi iingcebiso ezintandathu eziluncedo ngendlela onokuzinceda ngayo wena kunye nosapho lwakho xa ujongene namatyala asekhaya kunye nengxaki yemali:
1. Guqula ukholo lwakho kwaye unikezele zonke iingxaki zakho kuThixo
KwabaseFilipi 4: 6 bathi, "Musani ukuxhalela nto, kodwa ezintweni zonke zaziseni izibongozo zenu kuThixo ngomthandazo nesikhungo nombulelo."
Ukuba sengxakini yezemali lixesha elinzima kakhulu kuye nakubani na, ngakumbi ukuba unabantwana, kwaye nina njengesibini ngokwesiqhelo niya kuba nexhala malunga nokusinda kwemihla ngemihla. Nangona kunjalo, akufuneki uvumele iingxaki zakho zikongamele.
Endaweni yoku, thabatha umzuzwana uthandaze. Thandaza kunye neqabane lakho, thandaza nabantwana bakho, nithandaze njengentsapho. Cela ubulumko, isikhokelo, kunye nokubonelelwa ngala maxesha ovavanyo. Umtshato owakhiwe unokholo olomeleleyo kuThixo njengesiseko sawo unokumelana naso nasiphi na isaqhwithi esiza kubo.
2. Unxibelelwano ngumba ophambili
Xa bejamelene neengxaki zemali kunye netyala elinzima kumakhaya kumyinge wengeniso, uninzi lwezibini zihlala zirhoxa kubo kwaye ziqale ukujongana nengxaki njengabantu ngabanye. Oku kunqongophala konxibelelwano kunokudibanisa umba osondele kwaye kubeke uxinzelelo kubudlelwane.
Endaweni yokusebenzela ukusombulula ingxaki ngokwakho, thatha ixesha lokuhlala phantsi neqabane lakho nithethe ngalo mbandela ngokukhululekileyo nangokunyaniseka okupheleleyo. Eli lithuba elililo kuni nobabini lokwazisa omnye umntu ukuba niziva njani ngale meko, fikani ezantsi kwingxaki, kwaye nize nesicwangciso sokwenza izinto enivumelana ngaso nobabini.
3. Vavanya izinto eziphambili ngokubaluleka kunye nemali
Ukuba awukho kumkhwa wokulandela iindleko zosapho lwakho, ngoku lixesha lokuqala. Oku kuyakukunika umfanekiso ocacileyo wobume bakho ngokwangoku bezezimali kwaye kutheni le nto ngoku ingumbandela ekhayeni lakho. Eli linyathelo elibalulekileyo lokujongana netyala lasekhaya.
Qala ngokudwelisa phantsi umvuzo kunye nenkcitho yakho. Ukuba inkcitho yendlu yakho kunye neyakho ubuqu ingaphezulu kwengeniso yakho edibeneyo yenyanga, lixesha lokuba uphinde uvavanye zonke izinto eziphambili ngokubaluleka. Yiya kuluhlu lwakho kwaye ukrwele ezo zinto zinokwenziwa lusapho lwakho ngaphandle kokubhalisela intambo kunye nemagazini.
Ukunciphisa iindleko kunokukunceda ukhulule imali efunekayo ongayisebenzisa ukongeza uhlahlo-lwabiwo mali okanye ulondoloze kwimeko kaxakeka.
Unokukufumanisa kuluncedo ukugcina uluhlu lwazo zonke izinto ezinokuthanani nezinto onazo. Ezi asethi zinokupheliswa ukuze kugcinwe usapho lwakho ludada kuba into yokugqibela oyifunayo kukuzingcwaba nzulu ematyaleni ukuze uziphilise kwaye ubeke usapho lwakho kwimeko enzima ngakumbi kunokuba sele ukhona.
4. Fumana inkxaso
Abantu abaninzi baziva beneentloni ngokuthetha nabanye abantu malunga neengxaki zabo zemali kwaye bacele uncedo. Kodwa ubusazi ukuba uxinzelelo ngenxa yeengxaki zemali nalo lunokuthatha umthwalo kwimpilo yakho? Izifundo zibonisa ukuba uxinzelelo lwezezimali ngoku lunxulunyaniswa noxinzelelo kunye noxinzelelo. Phantse iipesenti ezingama-65 zabantu baseMelika baphulukana nobuthongo kwiingxaki zemali. Ke, ukuba imiba yakho yamatyala iya isiba ninzi kakhulu ukuba ungayithwala kunye neqabane lakho, ungoyiki ukucela uncedo.
Usapho kunye nabahlobo ngokuqinisekileyo baya kubonelela ngenkxaso yeemvakalelo, ukuba ayisiyiyo inkxaso yemali. Unokufuna uncedo kumcebisi osemthethweni wamatyala kwaye ujonge ukusayina inkqubo yokunceda amatyala ukukunceda ujongane namatyala akho anyukayo.
Nokuba ukhetha ntoni, ukuba nabanye abantu abazimisele ukunika inkxaso baya kuwenza lula umthwalo onawo.
5. Nyaniseka kubantwana bakho
Kungokwemvelo ukuba abazali babakhusele abantwana babo kuyo nayiphi na ingxaki ehlasela amakhaya abo. Emva kwayo yonke loo nto, kufuneka sibayeke abantwana babe ngabantwana. Iingxaki zemali nangona kunjalo, yinto ongenakukufihla. Abantwana banengqiqo ephezulu; Ngokuqinisekileyo bazakuqaphela utshintsho kwikhaya lakho kwaye babone uxinzelelo kunye nokudakumba.
Thetha nabantwana bakho kwinqanaba elifanelekileyo elifanelekileyo kwaye ubazise ukuba kuqhubeka ntoni. Gxila ngakumbi kumaxabiso abaza kukwazi ukuwafunda kula mava njengokugcina, ukwenza uhlahlo-lwabiwo mali, kunye nexabiso lemali, endaweni yengxaki yona.
Eyona nto ibaluleke kakhulu, nika abantwana bakho isiqinisekiso sokuba njengomzali, wenza konke okusemandleni akho ukulungisa le meko.
6. Qhubeka nobomi bakho bemihla ngemihla
Kungenxa yokuba imali iqinile, oko akuthethi ukuba ubomi mabume. Kangangoko kugcina indlela yakho yesiqhelo ekhaya ngokufanayo. Thatha ithuba lokuphonononga iindleko eziphantsi kodwa imisebenzi emnandi enjengexesha lokudlala emva kwemini epakini kunye nabantwana kunye nokundwendwela ukuthengiswa kweyadi.
Endaweni yokutya isidlo sangokuhlwa kwindawo yokutyela entle kunye neqabane lakho, kutheni ungabinaso isidlo sangokuhlwa ekhayeni okanye uye kubusuku beemovie zasimahla kwindawo ohlala kuyo.
Utshintsho olukhulu olungenakuthintelwa njengokufudukela kwikhaya elitsha lunokuba lukhulu, ke ukuba uyakubona oku kusenzeka kungekudala, kungcono ukuba uzisasaze iindaba, kodwa zenze ngobunono. Gxila ngakumbi kwizinto ezintle ezinjengokuqala ngokutsha; okubalulekileyo kukuba usapho lukunye ebunzimeni okanye kubunzima. Okokugqibela, makhe bazive bethandwa kwaye bexatyisiwe. Ungaphulukana nazo zonke izinto eziphathekayo ezinokuthengwa yimali kodwa uthando onalo omnye komnye njengentsapho luya kuhlala ixesha elide.
Vumela la mava akufundise wena neqabane lakho ukuba nizimisele ngakumbi ukuphatha imali yenu xa kukho into engalindelekanga eyenzekayo kwakhona eya kuba nefuthe kwimali yenu, niya kulungela ngakumbi ukunciphisa ifuthe layo kwaye nokuthintela ingxaki ukuba ingenzeki.