Umxholo
- Iingxaki zemali ezi-5 eziphezulu kubudlelwane
- 1. Ukungathembeki kwemali
- 2. Indlela yokuphila eyahlukileyo, umvuzo, inkcubeko, inkolo kunye nobuntu
- 3. Ukubonelela abantwana okanye usapho olongezelelekileyo
- 4. Ityala
- 5. Ukwahlula imali
- Imali ibuchaphazela njani ubudlelwane: Umcimbi ophambili
- Iingcebiso zokuphelisa umlo wemali ekhaya
- 1. Yenza uhlahlo-lwabiwo mali lwenyanga
- 2. Gqiba kunye
- 3. Bambelela kwisicwangciso
- Ukuququmbela
Imali iziphethe kakuhle kwaye ayiphili.
Kodwa uninzi lwezinto ezenza okanye ezophula ubudlelwane-ngakumbi ubudlelwane phakathi kwendoda nomfazi-bunento yokwenza nemali.
Esinye sezizathu ezilishumi eziphambili zokuqhawula umtshato yimicimbi yemali. Ukwahlukana ngenxa yezizathu zemali kuhlala kunzima kakhulu kwizibini ukuba kuxoxwe. Ubudlelwane buba mandundu kwimilo yemali. Umgangatho wobomi utshintsha abantu abahlala kunye nanini na kukho ukungaboni ngasonye malunga nendlela yokusebenzisa imali kunye nokufumana imali.
Ke, imali ibuchaphazela njani ubudlelwane? Masifumanise.
Iingxaki zemali ezi-5 eziphezulu kubudlelwane
Imali yonakalisa ubudlelwane, ukuba ayiphathwa kakuhle. Izisa ezona zinto zintle kwaye zimbi kubudlelwane nakubantu. Okukhona unayo, kokukhona iingxaki kunye neengxabano malunga nemali zingadala ukuba ubudlelwane babunamatye ukuqala ngawo.
Nokuba ulwalamano olukhulu kangakanani, ukuba neengxaki zemali kunokubangela uxinzelelo kunye noxinzelelo ngaphakathi kwekhaya.
Imali ibuchaphazela njani ubudlelwane?
Nazi iingxaki eziphezulu ezi-5 zemali abanokujamelana nazo abantu abatshatileyo, kunye nendlela iingxaki ezichaphazela ngayo ubudlelwane phakathi kwendoda nomfazi:
1. Ukungathembeki kwemali
Xa iqabane lakho linganyanisekanga malunga nendlela ifunyanwa kwaye isetyenziswa ngayo ekhaya okanye ukuba ufihla intengiselwano ethile kwiqabane lakho, oku kuya kujongela phantsi ukuthembana nokuxhomekeka phakathi kwenu nobabini.
Yile ndlela imali echaphazela ngayo ubudlelwane.
Ilimaza ubudlelwane kumanqanaba amaninzi. Nangona kunjalo, ukugcina unxibelelwano oluvulekileyo, kunye noqhakamshelwano ekusetyenzisweni kwemali ekhayeni kunokuhamba indlela ende ekuthinteleni le meko inzima.
2. Indlela yokuphila eyahlukileyo, umvuzo, inkcubeko, inkolo kunye nobuntu
Akukho bantu babini bafana ncam. Kuya kubakho iyantlukwano phakathi kwakho neqabane lakho, nokuba yeyenkcubeko, yokuphila, enxulumene nengeniso, enxulumene nobuntu, okanye eyahlukileyo ngokwenkolo.
Ke, imali ibuchaphazela njani ubudlelwane xa ubuntu babantu abatshatileyo bengezizo iipali?
Ewe, zonke ezi zinto zinokuchaphazela indlela umntu ayijonga ngayo kwaye ayisebenzise ngayo imali.
Kubudlelwane, oku kunokuba nzima. Ukwazi umahluko phakathi kwakho neqabane lakho kuya kuninceda nobabini nifumane izisombululo kwiimeko ezithile zemali ezinokwanelisa wonke umntu.
3. Ukubonelela abantwana okanye usapho olongezelelekileyo
Ukukhulisa abantwana okanye ukukhathalela usapho olongezelelekileyo ikwanendlela imali ebuchaphazela ngayo ubudlelwane. Isenokuba yindleko eyongezelelekileyo, ivule ukungaboni ngasonye phakathi kwakho neqabane lakho.
Ukungavisisani okunjalo kunokuba nemvakalelo kuba kunxulumene ngqo nabantwana bakho kunye nawe okanye amalungu osapho lweqabane lakho.
Kwakhona, unxibelelwano oluthembekileyo nolucacileyo luya kunceda ukunciphisa iimeko zokulwa ngemali ngalo mbandela.
4. Ityala
Ityala kunye noxinzelelo lwezezimali nangaluphi na uhlobo kunokubangela ukungavisisani phakathi kwakho neqabane lakho.
Omnye wenu unokuba urhawuzelela ukuphosa yonke idenariyo ekuhlawuleni ityala ngokukhawuleza, ngelixa elinye linokukhululeka malunga nalo. Kulapho uhlahlo-lwabiwo mali kunye nokuseta iinjongo zokudibana ziya kuba luncedo.
5. Ukwahlula imali
Abanye abantu abatshatileyo bahlala ngokwemali eyahlukeneyo kwizibini ezitshatileyo kwaye bafuna ukwenza imigca ecacileyo ukuba yeyiphi imali eyakho, yeyam, kwaye yeyiphi "yeyethu." Ezinye izibini zikhululekile ngokudibanisa izixhobo zazo.
Thetha neqabane lakho, nize nixoxe ngezinto ezinokuthi zilungele umzi wakho. Ukudideka malunga nokuba yeyiphi imali oza kuyisebenzisa kwaye nalapho ungalathisa khona ingeniso inokudala uxinzelelo oluninzi kubudlelwane!
Jonga ezi vidiyo zingezantsi apho izibini ezahlukileyo zichaza indlela ezahlulahlula ngayo imali kwaye zifumana iingcebiso:
Imali ibuchaphazela njani ubudlelwane: Umcimbi ophambili
Ekugqibeleni, imali kubudlelwane ibangela ukungqubana kuba imali ibalaselisa izinto eziphambili. Yiloo nto ukhetha indlela, phi, kwaye nini ukufumana kunye nokuchitha imali ngokwenene ihla. Oko kugqiba ukuba kubekwa phi kudidi kuhlahlo-lwabiwo mali.
Kungenxa yoko le nto ukuxoxa ngemicimbi yemali neqabane lakho okanye umntwana kunzima kakhulu. Awuphikisani kuphela ngengqondo nangeesenti. Uzama enye yezona zinto zinzima zinokwenziwa ngabantu ababini — ukunxibelelana nokuqonda ezona zinto ziphambili kunye neenjongo kunye bayavumelana ngazo.
Xa usebenza neqabane lakho kuhlahlo-lwabiwo mali, awusebenzi nje kunye emalini; uyaluqinisa olo lwalamano ngokuqonda okubalulekileyo komnye umntu okanye ngokwenza ngokuchaseneyo.
Kule meko, kuhlala kukho omnye umntu owonayo umboniso. Ukuchasana kutsala-kwaye njengoko kunjalo kubudlelwane, kunjalo kwindlela umntu ngamnye asebenzisana ngayo nemali.
Omnye wenu unokuba yinkcitho enkulu, ngelixa elinye lisindisa. Umntu ubona imali njengesixhobo sokusebenzisa ukufumana izinto ezininzi, ukwenza izinto ezininzi, kwaye onwabele ubomi ngokukhawuleza; enye ibona imali njengento yokuziva ikhuselekile kuyo, into elungileyo ukuba nayo kwimeko kaxakeka kunye nokuthengwa okukhulu.
Lumkela lo mahluko njengoko usenza iimali kunye.
Iingcebiso zokuphelisa umlo wemali ekhaya
Nje ukuba uqonde indlela imali ebuchaphazela ngayo ubudlelwane kunye nendlela esiba ngunobangela wengxaki yakho kubudlelwane, uya kuba nakho ukulwa ingxaki ngcono. Nazi ezinye zeendlela zokukunceda ukusombulula iingxaki zemali ohlala unazo neqabane lakho:
1. Yenza uhlahlo-lwabiwo mali lwenyanga
Hlala phantsi neqabane lakho ekupheleni okanye ekuqaleni kwenyanga nganye, nithethe malunga nenxalenye nganye yohlahlo-lwabiwo mali- ingeniso, inkcitho, ukonga, utyalo-mali kunye nenkcitho.
Iinkcukacha zibalulekile! Yehla kwidola okanye nakwisenti, kwaye uqiniseke ukuba nobabini kwiphepha elinye.
2. Gqiba kunye
Nobabini kufuneka nibe nezwi kuhlahlo-lwabiwo mali.
Inkcitho! Funa ukuyixabisa i-drive yokugcina iqabane lakho linayo. Bonisa uxabiso lwakho ngokuvumelana, yithi, ukuba ngaphezulu kwikholamu yokonga kunaleyo uyichithayo.
Abahlanguli! Yenza uhlahlo-lwabiwo mali lube mnandi kwisiqingatha sakho. Banike indawo yokutshintsha ubuncinci kwinto enye kuhlahlo-lwabiwo mali emva kokuba yonke into ihleliwe-ewe xa uhlahlo-lwabiwo mali sele lungile.
Xa nobabini nisenza izigqibo ngendlela esetyenziswa ngayo imali ekhayeni lakho, oku kuyakuninceda nobabini nibambelele kwisicwangciso.
3. Bambelela kwisicwangciso
Gcina isicwangciso. Isenokuba luhlahlo-lwabiwo mali olucacisiweyo ngokukodwa okanye ingeniso elula / engenanto ekuxelela ukuba ungayisebenzisa kangakanani le veki kwaye yintoni ekufuneka ihlawulwe. Kodwa nobabini kufuneka nizibophelele ekwenzeni loo nto.
Gcina omnye nomnye enika ingxelo ngokubamba iintlanganiso zekomiti yohlahlo-lwabiwo mali rhoqo.
Ukuququmbela
Ubudlelwane nemali zizilwanyana ezimtyibilizi. Ngokudibeneyo, banokubangela iintloko kunye nentliziyo ebuhlungu ukuba abantu bayasilela ukuqonda ukuba imali ibuchaphazela njani ubudlelwane kunye nokusombulula imiba.