Umxholo
- 1. Akukho Hlahlo-lwabiwo mali
- 2. Ukungayiqondi imikhwa yezemali yeqabane lakho
- 3. Ukungathembeki ngembali yakho yezemali
- 4. Ukungahoyi iinjongo zezemali
- 5. Akukho mali
- 6. Inkcitho ngaphandle kokuxoxa
- 7. Ukusetyenziswa kakhulu kwamakhadi etyala
Ukutshata sisigaba esihle sobomi bethu, kodwa kukwaxakekile. Ngeli xesha, ukucinga ngemali esandula ukutshata yeyona nto yokugqibela sinokuyenza.
Ingabonakala ingenamsebenzi ngoku, kodwa iimpazamo zemali zixhaphakile kwaba batshatayo. Imali ihlala ingunobangela weengxabano.
Ukulawula imali kwizibini ezisandul 'ukutshata kunokubonakala kungumsebenzi onzima. Kubalulekile ke ngoko ukuba uqale ucwangcise iimali zakho kwasekuqaleni.
Ukukunceda uhlale uzolile kwaye uhlengahlengise iimali zakho oqhubeka nomtshato, masithethe ngeempazamo ezisixhenxe zemali, njengabantu abasandul 'ukutshata, ekufuneka uziphephe ukuba ube nomtshato owonwabileyo kunye nophumelelayo.
1. Akukho Hlahlo-lwabiwo mali
Ukungabinalo uhlahlo-lwabiwo mali yimpazamo yokuqala eyenzeka rhoqo kubantu abasandul 'ukutshata.
Ewe, emva komtshato, kusenokwenzeka ukuba woyike uluvo lomntu osandul 'ukutshata. Unqwenela ukuhlala kunye, uzonwabele ngeempelaveki, uthenge iilokhwe ezintsha kwaye bakwimeko yokonwaba ngokupheleleyo.
Kodwa khumbula ukuba ukuchitha ngaphezulu kunoko unayo, kukhokelela kwityala. Kwaye, Ukuhlawula eli tyala iba sesinye sezizathu ezibalulekileyo zeempikiswano phakathi kwabantu abatshatileyo.
Ke sukuya kuhlahlo-lwabiwo mali.
Into onokuyenza apha, lungiselela uhlahlo-lwabiwo mali olusandul 'ukutshata, beka ecaleni isixa esithile semali kwiqela lakho, uyokuthenga, njl.
2. Ukungayiqondi imikhwa yezemali yeqabane lakho
Ngoku, le yinto ephambili.
Emva kokuba niqale ukuhlala kunye, ngexesha elincinci kakhulu, niyazi imikhwa yezemali yomnye nomnye, enje ngephatheni yenkcitho, ukonga, iinjongo zezemali, njl.
Umzekelo, iqabane lakho lingathanda ukutya ngaphandle, kodwa akunjalo? Kuthekani ukuba uhlala uchitha imali eninzi kwiholide, kodwa iqabane lakho alonelisekanga yiyo?
Ke, ingcebiso yezemali ebalulekileyo kubantu abasandul 'ukutshata kukungayikhathaleli imikhwa yezemali yeqabane lakho.
Khumbula, ukuqonda kunye sisiseko sobomi obonwabisayo emtshatweni. Ke, jonga kwaye uthethe ngale mikhwa yezezimali njengoko ubudlelwane bakho bukhula.
3. Ukungathembeki ngembali yakho yezemali
Uhlahlo-lwabiwo mali kunye nemikhwa yezemali yinto onokuyilandela kwaye niyenze kunye.
Kodwa, ukungayazi imbali yezemali yomnye kuya kukhokelela kwidip enkulu yezemali kwixa elizayo. Kwaye, le mpazamo ixhaphake kakhulu yezemali eyenziwa sisibini esitshatileyo.
Ukuba unayo nayiphi na imbali yezemali ekufuneka iqabane lakho liyazi, kuya kufuneka uyazise ngokukhawuleza.
Imizekelo ibandakanya imali-mboleko (intlawulo yasemva komtshato) yeshishini oliqalileyo, imali-mboleko yomzalwana okanye udade wakho kwimfundo, okanye naluphi na uhlobo lwemicimbi yemali ocinga ukuba ibalulekile ukuze iqabane lakho lazi.
Sukunganyaniseki kwiqabane lakho. Ngokuxelelana malunga nemicimbi yakho yezemali, unokufumana indlela yokulungisa ezi ngxaki kunye.
4. Ukungahoyi iinjongo zezemali
Ngoku, le yinto enokuba yimpazamo yezemali ebomini bakho bonke.
Ukuba wena, njengesibini, anithathi sigqibo kwiinjongo zenu zezemali ngexesha elifanelekileyo, oko kunganilahle enkulu ngexesha elizayo.
Ngamnye, niyazana kakuhle nobabini, malunga nento eniyifunayo ebomini. Kungenzeka ukuba ucinga ngokuthenga indlu ngamanye amaxesha, kodwa iqabane lakho lijonge ukuthenga imoto.
Ke apha kuya kubakho ukungqubana kweenjongo zexesha elizayo, ezinokucwangciswa ngokungazityesheli iinjongo zomnye nomnye kunye nokuxoxa kwangaphambili malunga noko.
5. Akukho mali
Ngoku, emva kokuba usebenze iinjongo zakho zemali kwiphepha lokubhala, thintela impazamo yemali yokuyiyeka ibekhona.
Yisebenze kwaye uthathe isigqibo sokuba loluphi na utyalomali onqwenela ukuludibanisa ukuze ufikelele kwiinjongo zakho zezemali.
Ukuthetha nje ngotyalo-mali kwaye unganikeli galelo koko, kunokubangela ukunganqabiseki kwikamva phakathi kwabantu abatshatileyo.
6. Inkcitho ngaphandle kokuxoxa
Singayihoya inkcitho eyahlukeneyo, kodwa izigqibo ezinje ngokutshintsha ifenitshala yakho endala, ukupeyinta indlu, ukuthenga indawo yemidlalo yeqonga, ukufaka ii-ACs esele zikhona, njl.
Kungenzeka ukuba iqabane lakho lisenokucwangcisa enye into ngelo xesha kwaye lingonwabi ngesigqibo sakho.
Ke, eyona ilungileyo apha kukuphepha ukuchitha ngaphandle kokuthetha ngako.
Njengabantu abatshatileyo, ninokuthetha ngokuthatha kwakho izigqibo zakho zexesha elizayo.
Bukela le vidiyo ukufumana ukuqonda ngokudibanisa imali emva komtshato:
7. Ukusetyenziswa kakhulu kwamakhadi etyala
Ukusebenzisa amakhadi okuthenga ngetyala rhoqo ukukholisa iqabane lakho kunokukwenza uphile ngokuhlawulwa rhoqo ngenyanga. Oku kuqinisa ukubaluleka kokucwangciswa kwezemali kwabo batshatayo.
Kuhlala kumnandi ukunika izipho zexabiso, ukumangaliswa kwiqabane lakho njengabantu abasandul 'ukutshata, kodwa khumbula, ungayihlehlisa le minqweno.
Awungekhe uyigqibe yonke imali yakho kunye nekhredithi ekholisa iqabane lakho.
Ukuba kuvela imeko engxamisekileyo ngequbuliso kwaye sele uwusebenzisile umda wekhadi letyala (owawugcinele ixesha likaxakeka), okanye ukuba kukho imali eseleyo kwiakhawunti yakho, ubunokwenza ntoni?
Ke, thintela le mpazamo yemali yokuya kuchitha imali. Sebenzisa izinto ezilula ukumothusa omnye nomnye kunokuba ubize kakhulu.
Sonke sinesabelo sethu kwiimpazamo zemali, ngokuqinisekileyo, njengesibini esitshatileyo.
Kodwa, ukuba silixabisile ingcebiso yomnye nomnye kwaye siyayihlonela indlela omnye nomnye athatha ngayo izinto, ngokuqinisekileyo iya kukhula njengomtshato owonwabileyo ngokuqinisekileyo uneempazamo ezincinci zemali.