Umxholo
- 1. Yenza kwaye unamathele kuhlahlo-lwabiwo mali
- 2. Ispredishithi esinye ukubalawula bonke
- 3. Lungelelanisa ulindelo lwakho
- 4. Gxila kwizinto eziphambili
- 5. Gcina imali yakho ngokwakho
- 6. Khula kule nto ukuyo
Uqhawulo mtshato awukukhathazi ngokwasemoyeni, kodwa nakwezemali.
Ngaphandle kweendleko zamagqwetha kunye nemirhumo yenkundla, kukho indleko yokuhlala ngokwahlukeneyo kumakhaya amabini. Ngokwesiqhelo, umgangatho wokuphila uyehla emva koqhawulo-mtshato kuba umvuzo owawusenziwa ngokwanda kwaye kwabelwana ngawo ngoku kufuneka uxhase amakhaya ama-2 ahlukeneyo.
Rhoqo, abantu abakulungelanga oku kwaye bayasokola ukwenza uhlengahlengiso. Ke, unokwenza ntoni, kwaye uhlala njani ngokwezimali emva koqhawulo-mtshato?
Nangona kunokuba kubonakala ngathi kuchanekile ephepheni kunokuziqhelanisa, kukho iingcebiso ezimbalwa ezinokuba luncedo.
1. Yenza kwaye unamathele kuhlahlo-lwabiwo mali
Uqhawulo-mtshato lixesha apho kufuneka unonophele ngakumbi kwinkcitho yakho kwaye ujonge ngakumbi kuhlahlo-lwabiwo mali. Ukuqinisekisa ukuba awutsiba naziphi na iindleko, unokufuna ukuzifaka kwispredishithi.
Ukongeza, kububulumko ukuthembela kusapho, kunye nabahlobo ukuba baphonononge uluhlu lwakho kwaye babonise nakuphi na ukungalunganga. Uphantsi koxinzelelo kunye neemvakalelo ngamanye amaxesha anokuchaphazela inkqubo yakho yokucinga. Ke ngoko, olu hlobo loncedo lunokukhomba iimpazamo ngaphambi kokuba zenzeke.
Nje ukuba usazi ukuba inkcitho yakho ingaphezulu kwengeniso yakho, ungacinga ngento oza kuyenza ngokulandelayo- nokuba unciphise okanye uthathe omnye umsebenzi.
Ukwenza ngathi yonke into ilungile ngaphandle kokwenza uphando kunokukufaka ekonakaleni kwemali.
Ukuba uyaziqonda ukuba ugubungela zonke iindleko zakho kwaye imeko izinzile, ungaphumla kwaye usete imali ecaleni. Nangona kunjalo, ukuba ufuna imali eyongezelelweyo ungafuna ukucinga ngento onokuyenza ukutshintsha imeko.
Uphila njani ngokwezimali emva koqhawulo-mtshato? Elinye icebo elisebenzayo kukwenza uluhlu lwazo zonke izinto onazo ongazisebenzisiyo, kwaye ungazithengisi. Ngaphandle kokubonelela ngemali ekhawulezileyo oku kuya kuyichitha indlu. I-E-Bay inokuba lukhetho olufanelekileyo kwezo zinto zingabalulekanga kangako, kodwa unokufuna ukufumana ingcali ukuba uzama ukothula into exabiseke ngakumbi njengobugcisa okanye ubucwebe.
Le yindlela ophila ngayo emalini emva koqhawulo-mtshato.
2. Ispredishithi esinye ukubalawula bonke
Ngexesha loqhawulo-mtshato, kufanelekile ukuba wazi konke okwakho (ngokukodwa nangabanye). Ukulandela umkhondo wento eyenzekayo kunye neeasethi, kuya kufuneka uyazi into onayo.
Ulwazi lunamandla kwaye lunokuthintela ukusetyenziswa liqabane lakho langaphambili.
Ukongeza, oku kuya kukunceda ucwangcise inkcitho yakho ngcono kwaye uphephe ukungabinamali. Nje ukuba wazi ukuba ungathembela kwintoni, unokwenza amalungiselelo angcono. Qaphela ukuba into ethile ingulwelo okanye ayisiyidi. Ngamanye amaxesha iiasethi ezingekho mthethweni, njengoko kunokuba nzima ukuzithengisa kwaye zifuna ixesha elininzi lokuziguqula zibe yimali, azinqweneleki njengamanzi.
Kuyamangalisa ukuba lungakanani uxolo kunye nokuxhotyiswa okunokufezekiswa ngokuba nazo zonke iiasethi, kunye nemali engenayo kunye neendleko ezidwelisiweyo kwaye zilungele ukuphononongwa. Ukubeka yonke into kwispredishithi esinye kunokukunceda uphefumle ngokufanelekileyo kwaye ucwangcise ngokufanelekileyo kuba uyayiqonda into onokuxhomekeka kuyo.
3. Lungelelanisa ulindelo lwakho
Uqhele ukusetyenziswa kumgangatho othile oya kuthi ufune ukuwagcina emva koqhawulo-mtshato. Ungazigcinela uxinzelelo kunye nexhala xa ulungelelanisa okulindeleyo kwimeko yakho entsha.
Ukungatsho ukuba kulula ukwenza le nto okanye iyakwenza uzive wonwabile. Nangona kunjalo, kunokuba bubulumko ukwenza njalo. Ingakusindisa kwiintloko ezininzi ezantsi kwendlela kwaye ikuthintele ekungeneni ematyaleni.
Phambi kokuba uqale ukothuka kwaye ucinga ukuba ubomi bakho abunangqondo, khumbula ukuba ayingonaphakade kwaye uya kubuya umva. Nguwe okhetha ukuba unciphise ntoni kwaye yintoni engenakuphikiswa. Yiyo loo nto ungonwabela ubomi obonelisayo nangona ulukhumbula uhlahlo-lwabiwo mali.
Umzekelo, unokufumana ikofu ekhaya endaweni yevenkile yekofu, kodwa gcina ubulungu bakho bokuzivocavoca nangona ukwenza imithambo ekhaya kukhetho. Ulungelelwaniso kwezo zinto zingabalulekanga kuwe kwaye okwangoku ukulungele ukuncama.
4. Gxila kwizinto eziphambili
Ngexesha loqhawulo-mtshato, kunokubonakala ngathi yonke into iyenzeka ngaxeshanye kwaye kufuneka unakekele izinto ezininzi ngaxeshanye.
Ukugqithisa kunokuba yinto engaphantsi.
Ukuthintela ukuya kuhlaselo lunkwantyo okanye okubi ngakumbi, hlela izinto eziphambili ngokubaluleka kwaye ujongane nazo kuqala. Shiya izinto ezingabalulekanga kangako kamva, okanye uzame ukwaba kwaye uxhomekeke kubahlobo ukuba bancede.
“Uphila njani emva kokuba uqhawule umtshato?” kufanele ukuba ibe yinto ebalulekileyo kuluhlu oluphambili. Ukuba uqaphela ukuba uhlahlo-lwabiwo mali lufutshane, le yinto yokuqala ekufuneka uyithathele ingqalelo. Ukwabelana ngendawo yokuqala kukuphila kwakho ngokweemvakalelo, njengoko kuya kukunika amandla afunekayo okujongana neminye imiceli mngeni ephambi kwakho.
5. Gcina imali yakho ngokwakho
Ngokwe-Census Bureau yase-US, emva koqhawulo-mtshato, umvuzo womfazi unokuhla ukuya kuma-37%.
Kuxhomekeke kwindawo okhoyo kwikhondo lomsebenzi wakho kufuneka utyale imali eninzi okanye engaphantsi ukuze uqhubele phambili. Injongo kukukwazi ukuzibonelela kunye nabantwana bakho.
Kwimeko apho ubuhleli ekhaya mama, kuya kufuneka ucinge ngomsebenzi onokuwenza ngoku okanye emva koqeqesho oluncinci. Ulunge ngantoni? Ungaqala ukwenza ntoni kungekudala kwaye uzuze kuyo? Thepha kwizinto ezinokubakho kwaye ubhalisele iinkqubo zokuphucula izakhono zakho ngakumbi.
Nangona unesondlo kunye nenkxaso yomntwana ayiyi kuhlala ngonaphakade okanye yanele. Emva koqhawulo-mtshato, ujolise kwizinto ozifunayo, kodwa kungekudala uluhlu lwakho luya kwanda luye kwizinto ozifunayo.
6. Khula kule nto ukuyo
Singawela ngokulula kumgibe wokwenza ngokubanzi kunye nokucinga ukuba lonke ubudlelwane buya kuphela ngendlela efanayo nomtshato wethu. Sinokwenza impazamo efanayo ngokucinga ukuba wonke umhlobo uya kusiphoxa ngendlela abanye babo abasenza ngayo.
Ngelishwa, unokuphulukana nabahlobo bakho emva koqhawulo-mtshato njengoko banokuhlala kuphela bengabahlobo bakho bangaphambili okanye ngenxa yokuswela kwabo uvelwano kuwe. Khetha ukuxhomekeka kubahlobo bakho abakho ukukuxhasa ngokwasemphefumlweni kwaye banokubakho nakwimali.
Khumbula, nayiphi na ingxaki lithuba lokukhula nayo.
Oku kuyakunika ithuba lokufunda ukuba ngubani oyena mhlobo wakho kwaye ungachithi amandla kubantu abakho ngenxa yakho ngexesha lokudinga.
Gxila kuko konke oya kufunda kunye nokuba uza kuphucula kangakanani.
Kungabaxhobisa kakhulu ukufunda indlela yokulinganisa uhlahlo-lwabiwo mali, ukugcina umkhondo wemali kunye nezinto eziphambili ngokubaluleka (okanye ubuncinci ufunde konke oku ngokwembono yomzali ongenaqabane). Endaweni yokuphelelwa ngamandla okanye ubaleke inyani, jolisa kwizinto eziphambili njengokuphilisa kunye nokuzinza kwezezimali.
Yiya kancinci uhambe ngokukhawuleza!
Ukucinga ukuba uza kuphila njani ngokwasemalini emva koqhawulo-mtshato? Iingcebiso ezintandathu zinokukunceda ufumane ixesha elinzima.