Umxholo
- Ukubaluleka kwemali emtshatweni
- Ubunzima bezezimali obukhokelela kuqhawulo mtshato
- 1. Umahluko kwindlela yokuphila
- 2. Umahluko kwimivuzo
- 3. Ukungathembeki kwemali
- 4. Ukulindela izinto ezingekho ngqiqweni
- 5. Umona wobomi
- Ukujongana noxinzelelo lwezezimali emtshatweni
“Imali ayinakuluthenga ulonwabo.” Isiteyitimenti esifutshane, isicatshulwa esiqhelekileyo kuninzi lwethu kwaye ngelixa abanye bethu bengavuma koku, abanye banokuthi baphikisane malunga nenyani yokuba iingxaki zemali ziwuchaphazela njani umtshato.
Izibini ezitshatileyo eziphikisanayo ngemali ayisiyonto intsha, eneneni unokumazi umntu ofumana olu hlobo lomceli mngeni emtshatweni wabo okanye mhlawumbi ungadibana nesi sihloko.
Wonke umtshato unesabelo sawo sezilingo kwaye xa kufikwa kubunzima bezezimali, uza koyisa njani kwaye uqinise umtshato wakho?
Ukubaluleka kwemali emtshatweni
Sonke siyazi ukuba imali ayinakuluthenga ulonwabo kwaye ewe kunjalo, kodwa esi sicatshulwa sikwanxulumene neemeko ezahlukeneyo.
Ayitsho ukuba imali ayibalulekanga kuba iya kuba yinto engekhoyo.
Imali ibalulekile, asizukukwazi ukwenza nantoni na ngaphandle kwayo, yiyo loo nto ubunzima bezemali inokuba yenye yezona ngxaki zinzima kuthi bantu badala.
Ubunzima bezoqoqosho benza ukuba kube nzima kuninzi lwethu ukuba lufumane imali kwaye longe, yiyo loo nto ngaphambi kokubopha iqhina, umntu kufuneka aqiniseke ukuba nabo bakulungele na ngokwezimali.
Ukuba akunjalo, lindela iingxaki zemali emtshatweni kwaye ufunde ukuba iingxaki zemali ziwuchaphazela njani umtshato kungangabi lula kangako.
Kunye nayo yonke imfuneko esinayo, imali kunye nomtshato zidityanisiwe.
Ukusuka kumakhonkco omtshato ukuya emtshatweni ngokwawo, kuya kufuneka ugcine imali ngalo. Umtshato uthetha ukuba uyakuqala owakho usapho kwaye akukho lula, ukuseka elakho ikhaya, imoto, kunye nokukhulisa abantwana kuya kufuna umsebenzi ozinzileyo okuthetha ukuhamba okuzinzileyo kwengeniso.
Iingxaki zemali emtshatweni ziqhelekile.
Akunakwenzeka ukuba ungabinayo imiceli mngeni kwimali yakho ingakumbi xa kukho iimeko ezingxamisekileyo ezingalindelekanga zokucinga kodwa yindlela iingxaki zemali ezichaphazela ngayo umtshato ezinokuthi zikhokelele kumanyano olomeleleyo okanye kwingxaki yomtshato.
Ubunzima bezezimali obukhokelela kuqhawulo mtshato
Imiba yemali iba yingozi nini emtshatweni?
Inyani yile, iingxaki zemali zibangela uqhawulo-mtshato kwaye uninzi lwabantu abatshatileyo bahlukane ngeendlela kwaye bafunde ukuyeka amaphupha abo kuba ukujongana noxinzelelo lwezezimali emtshatweni kuye kwathatha umthwalo emtshatweni wabo.
Le yeyona micimbi ixhaphakileyo yezemali emtshatweni enokubangela ukungavisisani kwaye ekugqibeleni, uqhawule umtshato.
1. Umahluko kwindlela yokuphila
Amaqabane aneeyantlukwano kwaye oko kuqhelekile. Yindlela oyisa ngayo kwaye udibana nesiqingatha sendlela kodwa kufuneka siqonde ukuba umahluko kwindlela yokuphila yenye yezinto ekunzima ukohlula.
Kuthekani ukuba uyayithanda imicimbi yohlahlo-lwabiwo mali kwaye iqabane lakho liyazithanda izinto ezinophawu?
Ukuba awukho ukuxhasa incasa yeqabane lakho ebiza kakhulu oko kunokuba yingxaki. Ukuba uyayenza kwaye awuziva wonwabile ngayo, uqala ukucaphukisa ukhetho lweqabane lakho kunye nobuntu bakho ngokupheleleyo.
2. Umahluko kwimivuzo
Ukuchaphazeleka ngokwezezimali emtshatweni nako kunokuvela ekubeni nemivuzo eyahlukileyo.
Umntu unokuziva ngathi akulunganga ukuba uthabathe elona xabiso likhulu leendleko. Ingabangela ukuziva udiniwe kwaye utyisiwe.
Indlela ubunzima bezezimali obuchaphazela ngayo umtshato buxhomekeke kwindlela ozijonga ngayo indawo okuyo emtshatweni. Ngaba uzijonga njengomondli osondlayo? Ukuba kunjalo, ngaba ulungile ngokubambelela kwinkcitho enkulu?
3. Ukungathembeki kwemali
Ukuzinika ikhefu ngamanye amaxesha kungcono.
Iingxaki zezemali kunye nezomtshato ziya kuhlala zikhona ke kulungile ukuzithengela into entle yotshintsho kodwa kuthiwani ukuba iba ngumkhwa?
Kuthekani ukuba uqala ukwenza ukungathembeki kwemali? Ngaba uthatha i-10 okanye i-20% kumvuzo wakho ukuze ube nohlahlo-lwabiwo mali oluyimfihlo lwezinto ozithandayo?
Oku kunokujongeka njengokukhulula kwabanye kodwa wakube ukufumene ukuxhonywa kwayo, kunokubangela iingxaki ezinkulu.
4. Ukulindela izinto ezingekho ngqiqweni
Xa wawutshata, ngaba wawuphupha uphile kamnandi?
Ngaba ubulindele ukufezekisa iinjongo zakho zezemali kwisithuba seminyaka emi-5? Ungathini ukuba khange yenzeke? Ungathini ukuba ubungenakuthenga imoto entsha okanye uhambe kabini ngonyaka ngenxa yeengxaki zakho zemali?
Ngaba uza kuwuthiya umtshato wakho kunye neqabane lakho?
5. Umona wobomi
Ukutshata kumalunga nothando, intlonipho, ukonwaba kunye nokukwazi ukoyisa iingxaki zemali ezinokuvela.
Ngaba uzibona unomona ngabahlobo bakho abazimeleyo ngokwezezimali? Ngaba unqwenela ukuba ubenakho ukuhlawula iimoto ezimbini kunye nezindlu ezimbini? Indlela yokuphila enekhwele ixhaphake kakhulu kwaye yenye yezinto enokubangela uxinzelelo lwezezimali emtshatweni kwaye nokuba ubujonga njani ubomi bakho.
Ukujongana noxinzelelo lwezezimali emtshatweni
Umtshato kunye neengxaki zemali ziya kuhlala zikhona, enyanisweni kuyakuhlala kukho izilingo emtshatweni wakho. Ubunzima bezezimali obuchaphazela umtshato buya kuxhomekeka kwindlela wena kunye neqabane lakho niza kujongana nemiceli mngeni eninokuyinikwa bubomi.
Ngaba uyakuvumela umahluko wakho uzuze okona kulungileyo kuwe okanye uza kujongana nawo njengamaqabane?
Umtshato ubambiswano kwaye ngala manyathelo alula, uya kuba nakho uku:
- Funda ukuphila ubomi bakho ngokuxhomekeke kumvuzo wakho. Ayinamsebenzi nokuba ubuqhele ukusebenzisa izinto ezinophawu ngaphambili. Obu bubomi bakho ngoku kwaye ukuziqhelanisa nezinto onokufikelela kuzo akukunciphisi - bubulumko.
- Ukuthintela iingxabano, sukusebenzisa owakho “owakho” nothi “owam” endaweni yoko yeyethu. Utshatile kwaye umtshato ubuqabane.
- Sukuqala ukuxoka ngemali. Ayisoze ikuncede nganto. Njengalo naluphi na uhlobo lokungathembeki, ukugcina iimfihlo kuhlala kuthimazekile. Xelela iqabane lakho ukuba kukho into oyifunayo, ukuba unako ukuyifumana, ngoba kutheni? Ukuba awukwazi, mhlawumbi wongele loo nto.
- Gxila kuhlahlo-lwabiwo mali kwaye usete iinjongo. Sebenzani kunye kwaye emva koko nobabini niyakubona indlela eninokuba bhetyebhetye ngayo kunye nendlela eninokonga ngayo encinci ukonwaba. Musa ukulindela kakhulu kwaye ngaphezu kwako konke, musa ukuba nomona ngobume bezemali bezinye izibini. Zixabise wena kunye neqabane lakho ngokwenza konke okusemandleni akho.
Indlela ubunzima bezezimali obuchaphazela ngayo umtshato kuxhomekeke kuwe. Ngaba uya kuyivumela ichithe ukuthembana kwakho, uthando, kunye nokuqiqa okanye uya kusebenza kunye nilungelelanise ukugqitha nayiphi na imiceli mngeni ohlangabezana nayo?