Ndingayikhusela njani iMali yam kuQhawulo-mtshato - Iindlela ezi-8 zokuSebenzisa

Umxholo

• Ukujika okungalindelekanga
• Iindlela ezili-8 zokukhusela imali yakho kuqhawulo mtshato
• 1. Yazi yonke imali kunye nezinto onazo
• 2. Yiba ne-akhawunti yakho yebhanki eyahlukileyo kuyo nayiphi na iakhawunti odibeneyo onayo
• 3. Cela uncedo kwangoko
• 4. Printa onke amaxwebhu ayimfuneko
• 5. Vala zonke iiakhawunti zakho zekhredithi ngokudibeneyo kwaye ukuba usenekhredithi esebenzayo
• 6. Qiniseka ukuba uyawenza umsebenzi wakho wesikolo
• 7. Usakhumbula ukuba ngoobani abaxhamli bakho?
• 8. Fumana elona qela libalaseleyo
• Iingcinga zokugqibela

Uqhawulo mtshato ngokuqinisekileyo alukho kwicebo lakhe nabani na emva kokuba betshatile. Ngapha koko, xa sibopha iqhina, sicwangcisela ikamva lethu eliqaqambileyo elizayo. Sinezicwangciso zokutyala imali kwiipropathi, ukugcina imali, ukuhamba, kunye nokuba nabantwana.

Yeyethu eyonwabileyo-emveni koko kodwa njengoko ubomi busenzeka, iimeko ngamanye amaxesha zinokungahambi njengoko bekucwangcisiwe kwaye zinokujika umtshato owawukhe wonwabe ube sisiphithiphithi.

Izicwangciso eninazo kunye ngoku ziya kujika zibe zizicwangciso zokuqinisekisa ikamva lomnye-ngokwahlukeneyo.

Uqhawulo-mtshato ngoku luqhelekile kwaye ayisiyonto ilungileyo. Ndingayikhusela njani imali yam kuqhawulo mtshato? Ndingaqala njani ukufumana imali yam? Ezi ziya kuphendulwa njengoko sihamba ngeendlela ezisi-8 onokuzisebenzisa ukukhusela utyalo-mali lwakho kuqhawulo mtshato.

Ukujika okungalindelekanga

Uqhawulo-mtshato alothusi.

Ngokuqinisekileyo kukho imiqondiso yokuba uhamba ngale ndlela kwaye uyazi xa ilixesha lokuba uyeke. Uya kuba nexesha elaneleyo lokulungiselela oku. Ngoku, ukuba ukrokrela ukuba umtshato wakho uzakuphela kungekudala ke lixesha lokuba ucinge ngaphambili ngakumbi xa uziva ukuba uqhawulo-mtshato lwakho alunakuphuma kakuhle.

Uqhawulo mtshato ngokwawo ziindaba ezibuhlungu kakhulu kodwa zinokubakho izizathu ezininzi zokuba uqhawulo-mtshato lube krakra kwaye lube nzima.

Kukho izizathu zokungathembeki, iimeko zolwaphulo-mthetho, ukuxhatshazwa ngokwasemzimbeni, kunye nezinye izizathu apho omabini la maqela engenakho ukuba nothethathethwano ngoqhawulo-mtshato ngoxolo.

Kwezi meko, zilungiselele ukuthatha amanyathelo okuzikhusela kunye neemali zakho ngokuchasene nezenzo ezingekho mthethweni. Funda ezi ndlela zilandelayo ngaphambi kokuba uqalise ukuqhawula umtshato. Oku kwenziwa kakuhle ngaphambi kokuqala kwenkqubo yoqhawulo-mtshato.

Khumbula, kubalulekile ukuzikhusela wena nabantwana bakho kwingozi yemali kwaye wenze oku; kufuneka uzithembe kwaye ulungele.

Iindlela ezili-8 zokukhusela imali yakho kuqhawulo mtshato

Ndingayikhusela njani imali yam kuqhawulo mtshato? Ngaba isenokwenzeka?

Ngokuqinisekileyo impendulo ngu-ewe! Ukulungiselela uqhawulo mtshato akukho lula kwaye enye yezona ndawo zibaluleke kakhulu kuyo yonke le nkqubo kukukhusela imali yakho ngakumbi xa uqhawulo-mtshato lungahambi kakuhle.

1. Yazi yonke imali kunye nezinto onazo

Kulungile ukuchonga okwakho kunye nokungekho.

Ngaphambi kwayo nayiphi na into, beka kuqala lo msebenzi kuqala. Enye into ekufuneka uyiqaphele uluhlu lweeasethi ezisegameni lakho kunye nezo zeqabane lakho.

Kwimeko apho ukhathazekile malunga nokutshatyalaliswa kweqabane lakho, ukuba okanye ukonakalisa ipropathi yakho kwimeko apho kukho into engahambanga kakuhle- thatha inyathelo. Yifihle okanye uyiphathise umntu omaziyo ukuba angayifihla.

2. Yiba ne-akhawunti yakho yebhanki eyahlukileyo kuyo nayiphi na iakhawunti odibeneyo onayo

Oku kuyinkohliso, ufuna ukuba iqabane lakho lazi ngalo kodwa awufuni ukuba iqabane lakho libe yinxalenye yalo kwakhona.

Isizathu soku kukuba kungenxa yokuba igcinwe ifihliwe inokusetyenziselwa ngokuchasene nawe- inokubonakala ngathi sisenzo sokunganyaniseki. Gcina imali ukuze ube nemali xa inkqubo yoqhawulo-mtshato iqala. Unemali eyaneleyo yokuhamba kwimirhumo kunye nohlahlo-lwabiwo mali lweenyanga ezi-3 okanye njalo.

3. Cela uncedo kwangoko

Kwimeko apho iqabane lakho linengxaki yobuntu okanye lijamelene nemicimbi emininzi yolawulo lomsindo enokuthi ikhokelele ekuziphindezeleni okanye nasiphi na isicwangciso sokusebenzisa yonke imali oyigcinileyo, iiasethi kunye nolondolozo- ngokuqinisekileyo le yimeko yokucela uncedo kwangoko .

Unokuqhagamshelana negqwetha losapho lwakho ukuze ube nembono yento onokuyenza ukukhenkceza ukuthengiselana okwenziwe kwiqabane lakho usebenzisa isithintelo.

4. Printa onke amaxwebhu ayimfuneko

Yiya kwisikolo esidala uze uprinte nawaphi na amaxwebhu ayimfuneko oza kuwadinga kwiingxoxo zakho zoqhawulo-mtshato. Fumana iikopi ezikhutshiweyo zazo zonke iirekhodi zebhanki, iiasethi, iiakhawunti ezidibeneyo kunye namakhadi etyala.

Yiba ne-PO Box yakho nakweyiphi na imeko ofuna ukuba ithunyelwe kuwe kwaye awufuni ukuba iqabane lakho liyifumane ngaphambi kokuba uyenze.

Iikopi ezithambileyo zingasebenza kodwa awufuni ukuthatha amathuba?

5. Vala zonke iiakhawunti zakho zekhredithi ngokudibeneyo kwaye ukuba usenekhredithi esebenzayo

Bhatala kwaye uvale. Unokukhetha ukudlulisela ubunini obusemthethweni kwiqabane lakho. Asifuni ukuba neekhredithi ezininzi ezisalindelwe xa uqala uqhawulo-mtshato. Eyona nto inokwenzeka, onke amatyala kuya kufuneka abiwe nguwe nobabini kwaye awufuni njalo, andibi kunjalo?

6. Qiniseka ukuba uyawenza umsebenzi wakho wesikolo

Yazi imithetho yakho yelizwe. Ngaba uyazi ukuba imithetho yoqhawulo mtshato yahluke kakhulu kuwo onke amazwe? Ke into oyaziyo isenokungasebenzi kunye nalapho uhlala khona.

Yazi kwaye uwazi amalungelo akho. Ngale ndlela, awuyi kothuka xa inkundla iza kuthatha isigqibo.

7. Usakhumbula ukuba ngoobani abaxhamli bakho?

Xa wawusungula ubudlelwane, ngaba wabiza iqabane lakho njengendlalifa yakho kuphela xa kukho into eyenzekayo? Okanye ngaba umntu otshate naye unegunya lokuthetha ngezinto onazo? Khumbula zonke ezi zinto kwaye wenze utshintsho oluyimfuneko ngaphambi kokuba kuqalwe ngoqhawulo-mtshato.

8. Fumana elona qela libalaseleyo

Yazi ukuba ngubani oza kuqesha kwaye uqiniseke ukuba bayayazi into abayenzayo.

Oku ayikokuphumelela nje kwiingxoxo kuqhawulo-mtshato lwakho; konke kukugcina ikamva lakho nayo yonke imali oyisebenzele nzima kunye neeasethi. Bayeke bancede kubuchwephesha kunye nokusebenza malunga nendlela onokuyikhusela ngayo imali yakho ngaphandle kokwenza kubonakale ngathi uyenza emfihlakalweni. Ukuba unabantu abafanelekileyo nawe-ukuphumelela kuthethathethwano lwakho lomtshato kuya kuba lula.

Iingcinga zokugqibela

Ndingayikhusela njani imali yam kuqhawulo mtshato?

Ndingaqala njani ukulungiselela uqhawulo-mtshato wam ngelixa ndikhusela oko ndikufumeneyo? Ingavakala inzima kodwa akukho mfuneko yokuba wenze zonke iindlela ezi-8. Yenza into eyimfuneko kuphela kwaye umamele iqela lakho.

Ezinye zezi ndlela ziya kuba luncedo kwaye ezinye zisenokungasebenzi kwimeko yakho. Nokuba yeyiphi na imeko, ukuba nje unecebo, yonke into izakulungela okona kulungileyo.