Umxholo
- Imiba eqhelekileyo yezemali kubudlelwane
- 1. Xoxa ngokulindelweyo kwemali
- Cwangcisela ikamva lakho lezemali
- 3. Yenza uhlahlo-lwabiwo mali
- 4. Jongana neengxaki zemali emtshatweni xa zivela
- 5. Khumbula izifungo zakho zomtshato
- Ukujongana nemingxunya yemali enokuthi ichithe umtshato
Impixano yezemali ngoyena nobangela woqhawulo mtshato eMelika. Olunye lolona vavanyo lukhulu oluza kujongana naso nasiphi na isibini yindlela abajongana ngayo neengxaki zemali emtshatweni. Kuba ukuthintela kuhlala kubhetele kunokunyanga, nazi ezinye zeendlela zokuphepha iingxaki zemali emtshatweni wakho.
Kodwa ngaphambi kokuba sijonge iindlela zokujongana nemicimbi yemali emtshatweni, masihambe kwiingxaki zemali eziqhelekileyo emtshatweni.
Imiba eqhelekileyo yezemali kubudlelwane
- Ukufumanisa iqabane lakho ineakhawunti eyimfihlo okanye ityala elifihliweyo
- Iindleko zonyango ezingalindelekanga ngenxa yokugula kweqabane
- Omnye wenu uboleka umhlobo okanye isalamane imali, kodwa angaze abuye ahlawulwe
- Igalelo elingalinganiyo kumatyala asekhaya
- Omnye wenu usesikhundleni esingakhuselekanga somsebenzi okanye aphelelwe ngumsebenzi
- Wena okanye iqabane lakho kukuthenga okungxamisekileyo
- Nobabini niphantsi koxinzelelo lwetyala elihlangeneyo
Ungoyisa njani iingxaki zemali
Kuba iingxaki zemali nezomtshato zinxibelelene ngokunzulu, amaxesha amaninzi izibini zikhangela impendulo eqinisekileyo kumbuzo othi, "zilawulwa njani ezemali emtshatweni?". Ngoku ungalubetha uxinzelelo lwezezimali emtshatweni ngezi ngcebiso malunga noxinzelelo lwezezimali emtshatweni.
1. Xoxa ngokulindelweyo kwemali
Umtshato wakhelwe kulindelo, kwaye amaxesha amaninzi izibini zenza uqikelelo malunga nolindelo lwabanye emngciphekweni womtshato wabo.
Kubalulekile ukuba njengesibini sihlale phantsi nixoxe ngokulindelweyo emtshatweni.
Thetha malunga nokuba yeyiphi imali ekufuneka ichithwe kuyo, yeyiphi ekwabelwana ngayo ngeendleko, nguwuphi kuni oya kuba noxanduva lokuhlawula amatyala, njl.
Xa isibini sikuqonda okulindeleyo, iingxaki zemali emtshatweni zinokuncitshiswa okanye zithintelwe.
Cwangcisela ikamva lakho lezemali
Umtshato ubunye babantu ababini abathembisa ukuhlala nokuhamba ebomini ngonaphakade. Ngonaphakade kunokubandakanya abantwana, indlu, iimoto kunye nokuqhubela phambili kwezemfundo. Ngonaphakade kungabandakanya ukungabikho kwemisebenzi, ukufa, ukugula kunye nentlekele yendalo.
Kubalulekile ukuba isibini esitshatileyo sibe nesicwangciso sezemali samathuba amabi kunye nolonwabo.
Ukucwangcisela kuya kukunika iplani yokuphumelela kwiingxaki zemali emtshatweni kunye nokunciphisa uxinzelelo lweendleko ezingalindelekanga kunye nokuphelisa ukungazi kweendleko zezi ziganeko zobomi.
3. Yenza uhlahlo-lwabiwo mali
Ukwenza uhlahlo-lwabiwo mali kufanele ukuba kube ngumthetho wegolide kubo bonke, kodwa ngelishwa akusoloko kunjalo, oku kubangela iingxaki zemali emtshatweni.
Ukwenza uhlahlo-lwabiwo mali emtshatweni kubandakanya izinto ezilindelweyo zezi zibini kunye nekamva lezemali, ngelixa zibonelela ngesikhokelo kwisibini njengoko iimfuno zemali zitshintsha ngokuhamba kwexesha. Kwakhona funda iingcebiso zohlahlo-lwabiwo mali kubantu abatshatileyo
Uhlahlo-lwabiwo mali lwakha uqeqesho kwezemali, kwaye uqeqesho lwezemali lususa iingxaki zemali emtshatweni. Ke yenza uhlahlo-lwabiwo mali lwenyanga ubandakanye yonke imithombo yengeniso, ubeke uluhlu kuzo zonke iindleko kunye nokwenza ulwabiwo olufanelekileyo lokonga.
Ukwenza uhlahlo-lwabiwo mali njengesibini ngaphandle kokulwa ngelixa ulinganisa iimfuno zeqabane lakho kunye nezakho?
Kubalulekile ukuba iimpembelelo zemali emtshatweni zingaluphazamisi uzinzo kubudlelwane bakho kwaye ngokugcina engqondweni ezi ziqwenga zeengcebiso zemali eziluncedo zomtshato, wena neqabane lakho niyakuthi nisebenze ekujonganeni noxinzelelo lwezezimali emtshatweni.
- Cwangcisa intlanganiso yohlahlo-lwabiwo mali lweveki Ukuxoxa ngeenjongo zakho zemali kubandakanya ukonga iinjongo, amatyala, iindlela zokuchitha, utyalo mali kunye neendlela zokwakha ikhondo elinengeniso.
- Cwangcisa i ingxakeko engxamisekileyo ekufanele ukuba isixa sendlu yanele ukuhlawula iindleko zonyaka.
- Landela umgaqo womhlaba wohlahlo-lwabiwo mali ukubeka phambili iimfuno kunokufuna emtshatweni.
- Yenza isicwangciso soku Ukujongana neemali zomtshato kunye, nokuba omnye wabatshati uza namatyala aphezulu.
- Yakha isicwangciso se Isicwangciso somhlala phantsi njengesibini
4. Jongana neengxaki zemali emtshatweni xa zivela
Nokuba ubeka ulindelo, isicwangciso kunye nohlahlo-lwabiwo mali, iingxaki zemali emtshatweni zisenokuvela. Elinye iqabane linokuba nokuchitha ngaphezulu kwinyanga ethile okanye kuncitshiswe umvuzo womnye.
Ke, ungazoyisa njani iingxaki zemali emtshatweni, xa kukho ukungangqinelani kucwangciso lwezemali xa kuthelekiswa nokwenziwa kwesicwangciso?
Funda indlela yokuxoxa ngemali neqabane lakho, ngokuzolileyo kunye nemveliso.
Iingxaki zomtshato nezemali azihambelani. Nokuba uqine kangakanani umtshato wakho, khumbula, inyani kukulwa kwemali zezinye zezinto ezinokubangela uqhawulo-mtshato. Kuba iingxaki zemali zibangela uqhawulo-mtshato, izibini kunye nemali kufuneka zihambisane.
Kubalulekile ukukhumbula ukuba ukuba imiba yezemali ayixoxiswanga, yindlela yokufumana iintlekele emtshatweni.
Ukufihla nawuphina umcimbi wezezimali nokuba ungowokudlulileyo, okwangoku okanye wexesha elizayo akunampilo emtshatweni. Ngokunxibelelana, esi sibini sinokuqina kwaye sithintele ukungazinzi okuqhubekayo kwemali okanye naziphi na iingxaki zemali emtshatweni.
5. Khumbula izifungo zakho zomtshato
Ngomhla wakho womtshato, wenza isifungo sokuba ungcono okanye ungcono, kwaye esi sifungo kufuneka sibe ngundoqo kuzo zonke iingxoxo zezemali.
Ayisiyo iphepha-mvume lokungakhathali ngokwasezimalini, kodwa sisikhumbuzo sokuthantamisa ukuba uthando lwakho luya kukudlulisa nakweyiphi na ingxaki yemali emtshatweni.
Amaxesha amaninzi iingxaki zemali emtshatweni ezingalindelekanga, njengokulahleka komsebenzi, ukusweleka kusapho okanye ukhathalelo lwempilo olungxamisekileyo. Izibhambathiso zakho, ezigcinwe kakuhle, ziya kukuxhobisa ngayo yonke into oyifunayo ukoyisa ukungaqiniseki kwemali.
Khumbula ukuba isitshixo sokubetha iingxaki zemali emtshatweni kukuba kwiphepha elinye neqabane lakho xa kufikwa emalini. Ukoyisa ukungavisisani malunga nemali yomtshato, funa ingcebiso ngomtshato wezemali.
Ukujongana nemingxunya yemali enokuthi ichithe umtshato
Umcebisi wemitshato yezemali kunye / okanye umqeqeshi wezezimali unokukunceda ujongane neengxaki zomtshato eziqala ngemali, imiba yohlahlo-lwabiwo mali, ukungathembeki kwezemali kunye nemingxunya yemali enokubangela ububi phakathi kwabantu abatshatileyo.
Ukwenza iiklasi zezemali ezenzelwe izibini ezitshatileyo okanye ikhosi yomtshato ekhompyutheni egubungela iimali zomtshato nako kunokukunceda ekufumaneni impendulo kumbuzo obuzwa kakhulu, "baziphatha njani abantu abatshatileyo kwezemali?".
Sonke sinqwenela ukuba imitshato isebenze nje kwaye uthando lwethu lwanele, kodwa inyani kukuba iqabane ngalinye kufuneka lichithe ixesha, amandla kunye nonxibelelwano ukugcina umtshato usempilweni.