Umxholo
- Kuthetha ukuthini ukungathembeki kwemali?
- Impembelelo yokungathembeki kwemali
- Impazamo ethembekileyo?
- Iindidi zokungathembeki kwezemali: Ngaba ukho umntu omaziyo?
- 1. Umngcakazi
- 2. Ivenkile
- 3. Umtyalomali
- 4. Imfihlo eyomileyo
- 4 Izisombululo zokuphepha ukungathembeki kwemali
- 1. Sebenzani kunye kwimiba yezemali
- 2. Ukuqesha umgcini zincwadi
- 3. Yenza iitsheki kunye nezikali
- 4. Yiba nohlahlo-lwabiwo mali
- Yise kude
Amaqabane axabana ngakumbi ngemali kunaso nasiphi na esinye isihloko. Imicimbi yemali kunye noxinzelelo lwezezimali zizizathu zokungazithembi, iingxabano kunye neengxaki kubudlelwane.
Indlela abantu abasabela ngayo kuxinzelelo lwetyala, ukuqokelelwa, okanye ukungazithembi kwemali kuyahluka. Abanye abantu bakhuthazwa ukuba basebenze nzima, ukuze bafumane ngaphezulu; abanye bazithathela emngciphekweni omkhulu nangobulumko ukuze bafumane umvuzo ngokukhawuleza, njengokungcakaza kwezemidlalo okanye kwikhasino. Abantu ababini kubudlelwane banokusondela kwimicimbi yemali ngeendlela ezahlukeneyo ngokupheleleyo, kwaye oku kungakhokelela kukungathembeki kwemali.
Kuthetha ukuthini ukungathembeki kwemali?
Ukungathembeki kwezezimali kunokuchazwa njengobuxoki, ukushiya, okanye nakuphi na ukwaphula ukuthembana okujikeleze imiba yemali ebangela ukonzakala kubudlelwane.
Ukungathembeki kwezemali kukuqhatha kwiqabane lakho, ngokufanayo nakweyiphi na into enokwabelana ngesondo okanye ngokweemvakalelo.
Nantoni na oyigcina iyimfihlo kwiqabane lakho ngokubhekisele ekuphatheni kwakho imali ithathwa njengokungathembeki kwemali.
Ngoku, andithethi ngokuthenga ikofu xa usiya emsebenzini, okanye ukubamba isandwich kwivenkile. Umntu ngamnye kufuneka abe nokuzimela ekusebenziseni izinto ezingenamsebenzi. Akunyanzelekanga ukuba uphendule ngayo yonke idenariyo. Into endibhekisa kuyo apha ziidola ezixabisekileyo ngokwaneleyo ukuba zinokuchaphazela, okanye zibeke emngciphekweni, ukhuseleko lwezemali ngokubanzi.
Impembelelo yokungathembeki kwemali
Kwizibini ezitshatileyo ezihlala kwimirholo yokuhlawula, ngokukhubazeka, uncedo lukarhulumente, okanye ezingasebenziyo, oku kunokuthetha ukuba isixa esiphantsi sedola sinokubaluleka.
Izibini ezininzi ziyindlela yokuhlawula imali ngaphandle kokungazinzi kwemali, kwaye ukungathembeki kwemali kunokubonakalisa ubomi babo. Kubo, nakwabo bazizityebi, bazizityebi, kwaye bazinzile ngokwezezimali, ayisiyonto nje yemali kodwa kukunyaniseka nokunyaniseka phakathi kwamaqabane.
Impazamo ethembekileyo?
Rhoqo umntu owonileyo akuthethi ukuba akhohlise. Injongo yabo yayingekokungcatsha ukuthembana kweqabane labo. Abanye abantu abalunganga kwimicimbi yezemali.
Banokwenza impazamo kwaye babe neentloni okanye babe neentloni ukuyivuma, ke bayayigubungela. Okanye bathabatha imali kwiakhawunti enye ukuze babuyisele itsheki ebetshiweyo. Oku kukungathembeki kwemali nako.
Nantoni na oyigcinayo kwiqabane lakho kukungcatsha ukuthembana. Njengalo naluphi na uhlobo lwenkohliso yokuzibandakanya kubudlelwane, ukuza okucocekileyo kuhlala kungcono. Awufuni buxoki, nokuba bincinci, ukuba bangene phakathi kwakho neqabane lakho. Ndiyazi ukuba kunzima ukuvuma ukuba wenze impazamo, kodwa kuya kufuneka uyenze kwaye ucoce umoya.
Umlingane wakho unokucaphuka malunga nento eyenzekileyo, mhlawumbi ade abe nomsindo nawe ngokwenza impazamo esisidenge, kodwa ayonakalisi kangako kubudlelwane kunokuyigcina iyimfihlo.
Iindidi zokungathembeki kwezemali: Ngaba ukho umntu omaziyo?
1. Umngcakazi
Imali ingena. Izipho zithengiwe. Izinto zethikithi enkulu zivela ngokungakhethiyo. Umntu onwabile, uziva ephumelele kwaye ulungile. Emva koko baphulukana. Izinto mazithengiswe, zenziwe pawwed, abaqokeleli bamatyala baqala ukufowuna. Umntu ongcakazayo usenokuxoka ngokulahlekelwa yimali. Banokuhamba ixesha elide kwaye abafuni kukuxelela apho bebekhona.
Abangcakazi bahlala kwimeko yokungaqiniseki nokuhamba rhoqo. Baqinisekile ukuba baya kuhlala bephumelela, kodwa siyazi ngcono.
Ukungcakaza kunokuqala ngokungenatyala kodwa ngokunganyanisekanga kuye kuthi phithi ngumlutha.
Ukuba ungcakaza okanye uhlala nomnye, yindlela enzima yokuphila kwaye kunzima kakhulu ukuhlala kubudlelwane kunye / okanye ukuba nosapho. Abantu abangcakazayo ngamanye amaxesha bafuna ukubetha "emazantsi" ukuze bayeke.
Kukho unyango lwezigulana ezingalaliswayo kunye nezigulana ezingalaliswayo, kodwa umntu ongcakazayo kufuneka avume ukuba bafuna uncedo ngaphambi kokuba basebenze. Kuthatha umonde kunye nothando ukunceda umntu ongcakazayo aphumelele kwingxaki yakhe, kwaye zininzi iimvakalelo, ilahleko, kunye nokungcatsha endleleni.
2. Ivenkile
Ukuthenga ngaphakathi kunye nako ayikokungathembeki kwemali. Sonke kufuneka sithenge izinto emakhayeni ethu, kuthi nakubantwana bethu. Nangona kunjalo, xa ukuthenga kuba sisinyanzelo, kwaye umntu aqale ukufihla ukuthengwa kwabo kwiqabane labo, uya kungcatsha.
Ukuba uqaphela imali kwiakhawunti yebhanki iqabane lakho elingenakho okanye elingenakho ukuyiphendulela, okanye ukuba uqala ukufumana iipakeji kwigaraji, iikhabhathi, itraki yemoto, okanye izinto ezintsha eziqhubeka ukubonakala ekhayeni lakho, isilumkiso seflegi ebomvu sokuba uphande ngemikhwa yokuthenga kweqabane lakho.
Ukuba akufakwanga kutshekishwa, ukuba likhoboka lokuthenga kunoku (kodwa akusoloko) kukhokelela ekuziphatheni okubi. Ngayiphi na imeko, luhlobo lokungathembeki kwemali olunokuthi lube ngaphandle kolawulo.
Wena neqabane lakho nifanele nixoxe ngemida yenkcitho kunye nesona sidingo sokuthenga izinto ezintsha.
Bamba lo mkhwa ngaphambi kokuba ugqithise, ubize, uthabatheke, kwaye ube yingozi ngakumbi.
3. Umtyalomali
Umtyalomali uhlala enesikimu "sokufumana ubutyebi ngokukhawuleza" kunye nesithembiso sokubuyisa imali enkulu okanye aqinisekile ngokubulala isivumelwano. Uninzi lwexesha, olu tyalomali ngakumbi malunga nokuphosa imali elungileyo emva kokubi kunokuba utyale imali kwaye kunqabile ukuba uphume.
Oku akubathinteli abatyali mali ekuzibandakanyeni kwisikimu esilandelayo okanye kutyalo mali kwimarike yemasheya okanye iinkampani ezintsha.
Olu luhlobo lomdlalo oludlalwa ngabantu abathile abazizityebi njengohlobo lokuzonwabisa; kulungile ide ilahle imali kwaye umtyali-mali akafuni kuxelela iqabane lakhe malunga nayo.
Ngokuqinisekileyo, kuyintloni, kodwa ngaba awungekhe ube neentloni kunokuba ungcatshe ukuthembana kweqabane lakho?
Umtyalomali ufuna umda wenkcitho ukuze "adlale" naye. Amaqabane kufuneka avumelane, kwaye kufuneka kubhengezwe ngokupheleleyo ukuba ivela phi imali yotyalo-mali (ngubani obonelela ngemali yembewu) malunga nesixa-mali.
Kufuneka kubekho unxibelelwano oluthembekileyo malunga nokuba yimalini elahlekileyo okanye efumanekayo, kwaye ukuba elinye iqabane aliziva kamnandi malunga notyalo mali, akufuneki lenzeke.
4. Imfihlo eyomileyo
I-stasher eyimfihlo incinci kancinci njengepremper prepper. Bacinga ukuba ukuphela kwempucuko njengoko sisazi ukuba kukufuphi, kwaye xa ubundlobongela buhlasela abalandeli, uqoqosho luya kudilika, kwaye lonke iziseko zophuhliso okanye ilizwe lethu liza kuma kancinci.
Banesicwangciso sokuphambi kwe-apocalypse ezayo kwaye bathenga yonke into onokuyidinga ukuze uphile xa yonke into isihla. Ndiyayiqonda le nto inokubonakala ngathi iyinto encinci, kodwa baninzi abantu phaya abanale ngqondo kunokuba ucinga.
Iinjongo ze-stasher eziyimfihlo zilungile, kodwa ukuba iqabane labo alikho ebhodini ngemikhwa yabo yokuthenga, loo nto ayibonisi kulwalamano oluhle. I-stasher eyimfihlo igcwalisa igaraji (okanye i-bunker) ngezinto ezininzi zokusinda, ukutya, imipu, kwaye ngubani owaziyo ukuba yintoni enye. Umlingane wabo usenokungazi nokuba uthenge kangakanani.
Le yinto ekufuneka kuthethwe ngayo kwaye kuvunyelwene ngayo omabini amaqabane. Isigqibo sokulungiselela ukuphela kwehlabathi asinakuba sesiphikisayo.
Ukuba imali eya kuzo zonke izinto ezifihliweyo isuka kuwo omabini amaqabane, umntu ngamnye makabe nezwi kwindlela esetyenziswa ngayo imali, okanye kufaneleke njengokungathembeki kwemali.
Kwividiyo engezantsi, funda ngendlela ukungathembeki kwezemali okunokudlala ngayo umtshato:
4 Izisombululo zokuphepha ukungathembeki kwemali
1. Sebenzani kunye kwimiba yezemali
Omabini amaqabane kufuneka ahlale phantsi ahlole imeko yemali yesi sibini kwaye ajonge ukuba zeziphi na iimfuno kwaye izakuthatha malini ukuhlangabezana nezibophelelo zabo.
Ukuba esi sibini sithatha isigqibo sokuba neqabane elinye elizojongana nencwadi yokutshekisha, ukubhatala imali, njl.
Omabini amaqabane kufuneka axoxe ngazo zonke izinto ezithengiweyo ngaphezulu kwesixa esimiselweyo kwaye kufuneka bavumelane ngokuthenga. Umgaqo kukuba, ukuba anikho nobabini ebhodini, akwenzeki.
Sebenzani uhlahlo-lwabiwo mali kunye, kwaye nibone ukuba nobabini nizosebenza njani ekongeni imali yokubeka kwezo zinto nifuna ukuzithenga. Ungayenza isebenze ngokunyaniseka nangaphambili, kwaye nobabini nibeke ixesha elilinganayo kunye nomzamo ekugcineni yonke into inyanisekile kwaye ikhuselekile ngokwezezimali.
2. Ukuqesha umgcini zincwadi
Xa elinye okanye omabini amaqabane ebetsala nzima kulawulo lwemali ngaphambili, okanye bekukho izehlo zokungathembeki kubudlelwane, inokuba ngumbono olungileyo ukufumana ukubandakanyeka komntu wesithathu. Kuyabiza kancinci ukuba nomphathi wemali, okanye umgcini zincwadi, kugcino, kodwa ulwalamano lwakho lufanelekile.
Ukunika umphathi wezemali imali yakho kuya kukunceda ekukukhupheleni ngaphandle kwamaxhala malunga nendlela esetyenziswa ngayo imali. Niza kuba neengcebiso kwiingcali kwaye nixhase nina nobabini ekuhlangabezeni iinjongo zezezimali.
Ususa konke ukukrokrela malunga nenkcitho yeqabane lakho, kwaye njengesibini, niyakwazi ukuba neengxoxo ezichanekileyo nezinyanisekileyo malunga namaphupha akho ezemali kunye neenjongo zekamva.
3. Yenza iitsheki kunye nezikali
Kubudlelwane apho kuye kwakho ukungalawulwa kakuhle kwemali okanye ukungathembeki kwezemali, ukuya phambili, kufuneka kubekho ukunyaniseka nokunyaniseka kuzo zonke izinto ezinxulumene nemali.
Umntu ngamnye kufuneka abe yincwadi evulekileyo xa kuziwa kwimicimbi yemali.
Ngena kunye rhoqo malunga nendlela isicwangciso semali esihamba ngayo kwaye nithethe ngayo yonke into enxulumene nenkcitho.
4. Yiba nohlahlo-lwabiwo mali
Uhlahlo-lwabiwo mali lwenyanga luyimfuneko. Andikhathali nokuba unemali engakanani kulondolozo, ingakanani oyizisa nengeniso notyalo-mali; uhlahlo-lwabiwo mali luyakukhusela kwaye lukugcine unyuka xa usiza kwinkcitho.
Ukungathembeki kwezezimali kuncinci kunokubakho xa amaqabane amabini ehleli kunye rhoqo kwiiveki ezimbalwa ukujonga isicwangciso sabo sezemali kunye nokubona ukuba uhlahlo-lwabiwo mali lusebenza njani.
Ayibhalwanga elityeni, kwaye unakho ukulungelelanisa izehlo ezingalindelekanga, izinto onqwenela ukuzithenga, okanye iimeko zikaxakeka. Qiniseka ukuba wakha ubumnandi kuhlahlo-lwabiwo mali. Yigcineleni into eniyifunayo nobabini, njengeholide okanye imoto entsha. Nobabini nidinga ukutyalomali ngokulinganayo ekwenzeni ukuba isicwangciso semali sisebenze.
Yise kude
Eyona nto iphambili kuko konke oku kukubandakanya iingxoxo zezemali njengenxalenye eqhelekileyo yonxibelelwano kubudlelwane bakho.
Akusoloko kulula ukuthetha malunga nemicimbi yemali, kodwa ukuba ungasebenzisa ezinye zezixhobo endikucebisayo, uya kuba nexesha elilula lokuzisa iinkxalabo zakho kunye nokwabelana ngeemvakalelo zakho malunga neenjongo zakho kunye nezicwangciso zemali.