Umxholo
- 1. Misela iinjongo zemali
- 2. Yenza isicwangciso senkcitho senyanga
- 3. Ukuseka iiakhawunti zebhanki ngokudibeneyo
- 4. Dibanisa imigaqo-nkqubo yeinshurensi
- 5. Yakha ingxowa-mali engxamisekileyo
- 6. Sebenzisa ikhredithi ngobulumko
Iholide yasemva kweveki iphelile. Ngokuqinisekileyo, uqhume. Usaziva ubambe isanti ezinyaweni zakho kwaye uve amaza othando olwandle. Emva kwenkqubo ende kunye neyothusayo yamalungiselelo omtshato kunye nako konke, ekugqibeleni uza kuchitha ubomi bakho bonke phantsi kophahla olunye-wonwabile wonwabele yonke into kunye ngelixa usenza eyakho intsapho.
Kodwa ngaphambi kokuba niphinde niphuphe malunga nolonwabo oluninzi ebomini bomtshato, kukho enye into ekufuneka niyilungisile njengesibini- indlela eniza kulawula ngayo ubomi benu bemali kunye.
Imiba yemali ixhaphakile kwizibini ezitshatileyo, ngakumbi abo batshatayo. Iindaba ezimnandi, unokuziphepha ukungaqondani kunye neengxaki zemali ngokucwangcisa kwangaphambili. Cinga ezi ngcebiso ukuze uqalise:
1. Misela iinjongo zemali
Kanye njengoko nizenzela iinjongo zobuqu kunye, ufuna ukuseka iinjongo zakho zemali njengesibini. Yimalini onqwenela ukuyifumana kunye ukuxhasa indlela yokuphila nosapho lwakho? Ngaba nobabini nithatha imisebenzi? Ngaba ucwangcise ukwazisa ishishini kwixa elizayo? Yimalini ojolise kuyo ngenyanga? Zeziphi izinto onokufuna ukwabela imali kuzo? Le yimibuzo nje embalwa ekufuneka uyiphendule ukuze ukwazi ukuseka iinjongo ezithile kubomi bakho obutsha bemali.
2. Yenza isicwangciso senkcitho senyanga
Ukwenza uhlahlo-lwabiwo mali lwenyanga kubalulekile ekulawuleni iimali zakho kakuhle. Ngaphezulu kwekomityi yekofu okanye ipitsa, hlala phantsi wenze isicwangciso senkcitho senyanga.Ngale ndlela, niyakuba nomfanekiso ocacileyo wokuba ingakanani imali eniyidingayo nobabini ukuqinisekisa ukuba iimfuno zekhaya lakho ziyafezekiswa, kwaye usenemali eyoneleyo. Chonga iindleko ezisisigxina, ezinje ngeentlawulo zemboleko kunye / okanye iimali mboleko zobuqu, umbane kunye nezinye iindleko zesevisi, izibonelelo zothutho, ukutya, njl.
3. Ukuseka iiakhawunti zebhanki ngokudibeneyo
Kwizibini ezininzi, ukuvula iakhawunti ngokudibeneyo luphawu lomanyano lwabo lwezezimali kubomi babo obutsha bemali. Kodwa ngaphezulu kwesiko, ukuseka iiakhawunti zebhanki ngokudibeneyo kunezibonelelo ezininzi. Umzekelo, iakhawunti edibeneyo ivumela umntu ngamnye ukuba afumane ikhadi ledebhithi, incwadi yokukhangela, kunye nokukwazi ukufaka okanye ukukhupha imali. Ukuba neeakhawunti ezidibeneyo kunciphisa ithuba lokufumana "isimanga" semali njengoko ngamnye wenu esazi ukuba kungena kangakanani kwaye kuphuma kwiakhawunti yakho yebhanki.
4. Dibanisa imigaqo-nkqubo yeinshurensi
Ezinye izibonelelo zokudibanisa imigaqo-nkqubo yeinshurensi ngexesha lokucwangciswa kwemali kubandakanya ukufumana izaphulelo kwiipremiyamu zenyanga. Cinga ngokudibanisa imoto yakho, ubomi, kunye nezicwangciso zeinshurensi yezempilo. Oku akuncedi nje ukugcina imali, kulula nokulawula. Ngokuxhomekeka kwiimfuno zakho, jonga ezinye iintlobo zeinshurensi, ezinjengeInshurensi yasekhaya.
5. Yakha ingxowa-mali engxamisekileyo
Ukuba nengxowa-mali engxamisekileyo kubalulekile kuwo onke amakhaya, nokuba unabantwana okanye awunabo. Awunokwazi ukuba kwenzeka ntoni kwixesha elizayo. Kunokubakho intlekele enkulu, ukugula kusapho, okanye ukudendwa emsebenzini ngequbuliso. Kuhlala kubalulekile ukuzilungiselela. Ucwangciso lwezemali luyimfuneko.
6. Sebenzisa ikhredithi ngobulumko
Okokugqibela, sebenzisa ikhadi lakho letyala ngobulumko. Kulula ukuchitha ngaphezulu xa ungagcini umkhondo wenkcitho yakho. Ukuba wenza uhlahlo-lwabiwo mali lwenyanga kwaye ubambelela kulo, unokuthintela inkcitho engeyomfuneko. Khumbula ukuboleka kuphela imali onokuhlawula ngayo uze uhlawule amatyala akho ngexesha. Oku kubonisa ababolekisi ukuba nobabini ninoxanduva lokusingatha iimali zenu, kwaye kufanelekile ukuba nibe nemida ephezulu yamatyala kunye nezinye izibonelelo zemali. Yenza umkhuba wokujonga ingxelo yakho yamatyala ubuncinci kube kanye ngonyaka. Oku kukuvumela ukuba ufunde ngembali yakho yamatyala kwaye ubone ukuba kukho iimpazamo, ezinje ngeeakhawunti ongaziboniyo, iimali mboleko esele zihlawulwe kodwa zibonisa, kunye nolunye ulwazi olungelulo.
Ukwabelana ngobomi kunye njengomntu osandul 'ukutshata kufuna okungakumbi kunothando nje. Kuya kufuneka nobabini ninoxanduva ngendlela enizisebenzisa ngayo iimali zenu. Kuya kufuneka wenze ucwangciso lwezezimali lube yinto ephambili kwaye uqalise ukusebenza kuyo ngokukhawuleza.