Umxholo
- Qala ukwenza izicwangciso ngokwakho
- Yenza ngokucokisekileyo inkqubo yokulungiselela
- Yenza ulungelelwaniso
- Ndiqeshediator ukulungiselela ukuhlawulwa okungcono kwemali
- Jonga amaxabiso asethi xa kuthelekiswa nexabiso leasethi
- Yiba nengqiqo kangangoko
Ukuya kuqhawulo-mtshato yenye yeenkqubo ezixinzelelekileyo nabani na anokufumana kuzo, ukuphoxeka, ukwahlukana nomntu omthandayo, umsindo, usizi, ubunzima bokuhlaliswa kwemali, zininzi iingcinga ezixubeneyo kunye namanqanaba omoya ekufuneka uwoyisile.
Ngalo mizuzu, into yokugqibela ofuna ukujongana nayo ziinombolo, imicimbi yezemali, ukuhlawulwa kwepropathi, kunye nemicimbi yezomthetho. Kodwa, ukuqhubeka nokuqala ubomi obuzinzileyo, obuzimeleyo, obutsha, kubalulekile ukuba ube nengqiqo kwaye ucokise kangangoko unakho, nokuba isenokungakhululeki njani ingxelo yezemali.
Amagqwetha oqhawulo mtshato aqaphele ezinye iimpazamo ezenziwa ngabantu abatshatileyo ngexesha lokuqhawulwa kwemali.
Jonga kwakhona:
Nazi ezinye iingcebiso malunga nendlela yokuthintela iimpazamo zoqhawulo mtshato kwaye ufumane okona kulungileyo kwisivumelwano ukuze ukwazi ukuqala ngesiseko esomeleleyo semali.
Qala ukwenza izicwangciso ngokwakho
Ukwahlukana kusenokungothusi, kodwa nokuba kungayiphi na indlela, zama konke okusemandleni akho ukukulungiselela.
Ingaba lixesha lokuqala ukuba uchithe imali kwinto ngaphandle kokudibanisa iqabane lakho, kodwa wophule umqobo kwaye uqale ukucinga njengomntu, hayi umdlali weqela.
Ukuba awuyenzi, xa ukuhlawulwa kwemali kuqala, uyakufumana ulahlekile kwaye udidekile kwaye akunakufane kwenzeke ukuba uthathe isigqibo esifanelekileyo. Khumbula, ulwela ikamva lakho.
Zama ukucinga kwangaphambili kwaye uzilungiselele kungekuphela kokuhlawulwa kwemali ngokwakho, kodwa kubalulekile ukwakha isicwangciso semali sasemva komtshato.
Yenza ngokucokisekileyo inkqubo yokulungiselela
Okokuqala, ukuqesha igqwetha loqhawulo-mtshato kuyabiza, ke kuya kufuneka ubeke imali ecaleni okanye uvule iakhawunti eyahlukileyo. Qiniseka ukuba unayo yonke imali efunekayo kwinkcitho yexesha elizayo.
Gcina umkhondo wengeniso, iipropathi, ityala, ubunini bepropathi bobabini kunye neqabane lakho. Qinisekisa ukuba umahluko phakathi kwepropathi eyahlukileyo kunye neyomtshato.
Zazise ngazo zonke iinkqubo zomthetho.
Mhlawumbi eyona ndlela ilungileyo kukuqesha umcebisi ukuze akucebise.
Qokelela onke amaxwebhu afanelekileyo, kwaye ngokuqinisekileyo wenze iikopi zawo.
Faka iirhafu, iingxelo ze-akhawunti yebhanki, ubhaliso, i-inshurensi, ingxowa-mali yezempilo, umyolelo kunye neetrustnjl. Jonga umyalelo oneenkcukacha malunga nawo onke amaxwebhu afunekayo kunye neefom Apha.
Yenza ulungelelwaniso
Ukuba wena neqabane lakho ninokuvumelana ngokulula kuyo yonke into kwaye nihambe ngeendlela ezahlukeneyo ngoxolo, yeyona ndlela ifanelekileyo yokufumana isivumelwano.
Kodwa, enyanisweni, uninzi lwabantu abatshatileyo bathanda ukulwela izinto ezininzi kakhulu abangazidingiyo ngaphandle kokudibana. Uqhawulo mtshato luba lukhuphiswano okanye ithuba lokuziphindezela.
Kodwa, musa ukwenza impazamo efanayo.
Zama ukujonga ukuhlawulwa kwemali njengomzuzu obalulekileyo wokwakha ikamva lakho, hayi ukuhlala kwixesha elidlulileyo.
Ngokukhawuleza ukuyiqonda, kuya kuba lula ukuhamba. Beka bucala iimvakalelo zakho okomzuzwana kwaye uzame ukucinga, ungasenza njani esona sivumelwano sihle kule meko ingonwabanga, ukuze uphume kuyo uzinze ngokwezoqoqosho.
Lumka ungathathi kakhulu kwipleyiti yakho. Kwaye okona kubalulekileyo, ngaphambi kokuba uchithe imali yakho usilwela into ethile, zibuze ukuba uyayidinga okanye ngumsindo osiqhubayo.
Ndiqeshediator ukulungiselela ukuhlawulwa okungcono kwemali
Ngaba uzibona uhleli kwimeko apho ushiyeka uzibuza, "uqhawula njani umtshato ungenamali", "umyeni akazokwabelana ngolwazi lwezezimali", okanye "umyeni uyala ukuhlawula ityala lokuqhawula umtshato, yintoni ngoku?"
Umlamli woqhawulo mtshato ngowona ukubheja kwakho kukwazi ukuba ulindele ntoni kwindawo yoqhawulo mtshato.
- Ukuqesha umlamli yeyona ndlela yokufumana ulungelelwaniso olunqwenelekayo.
- Ukufuna uxolelwaniso lwezezimali yindlela elula yokufika ukuze ugcine amawaka eedola kumlo osemthethweni kunye nokufumana ukuzinza okuzinzileyo kwezemali.
- Banokunceda ekumiseleni imigaqo yesivumelwano sokulalanisa phakathi kwendoda nomfazi.
- Abameli naziphi na iinjongo zeqabane, ke umbono wabo uyinjongo.
- Iinjongo zabo kukufumana esona sisombululo sisiso apho wonke umntu ezuza okuthile.
- Kwakhona, Ukuqesha umlamli endaweni yokulwa imfazwe engapheliyo neqabane lakho ngelixa iwotshi yegolide yegqwetha ikukongela imali eninzi.
Inkqubo yokulamla yahlukile kunayo nayiphi na inkqubo esemthethweni, ke qiniseka ukuba uyazifumana unolwazi malunga nemigaqo yayo, kananjalo.
Jonga amaxabiso asethi xa kuthelekiswa nexabiso leasethi
Phambi kokuba ulwele indlu yobukhosi okhe wahlala kuyo okanye imoto owabelane ngayo, qiniseka ukuba uyazi zonke iindleko eziza nayo.
Ingeniso yakho yenyanga kufuneka ikwazi ukuhlawula iindleko ukuyigcina kunye nemali mboleko ukuba ikhona.
Unganamathela ngokwasemphefumlweni kwikhaya losapho lwakho, kodwa ungayivumeli loo mvakalelo ingathandekiyo ikukhokele, iza ngendlela yokufikelela kwimali, okanye unokuzifumanisa wophukile okanye unetyala.
Kwakhona, Jonga ixabiso lotyalo-mali “emva kwerhafu”. Ezinye izivumelwano zinokuvakala zinomtsalane, kodwa qiniseka ukuthetha nengcali yerhafu, ngaphambi kokuvuma, ukwahlula imali ngaphambi koqhawulo mtshato.
Yiba nengqiqo kangangoko
Ingcebiso eluncedo yokuqhawula umtshato. Ngexesha lokuhlaliswa kwemali, eyona nto iphambili ekufuneka uyikhumbule kukuba ayisiyonto yakudala, imalunga nesahluko esitsha ebomini bakho.
Uqhawulo-mtshato ngokwalo luxinzelelo ngokwaneleyo, awudingi iingxaki zemali, nazo. Khumbula, igazi elibi kunye nosizi ecaleni, kukho indawo yokuhlala efuna uncedo lwakho.
Ukwakha kwakhona ubomi bakho bezezimali ngaphandle kobunzima kakhulu kubalulekile ukuba ujonge ekwahluleni ngobunono imali kuqhawulo mtshato.
Ukwahlula imali ngaphambi komtshato ngelixa ugcina iimeko ezamkelekileyo zokwahlukana kwemali kunokwenzeka kuphela ukuba nobabini nijolise kwindlela yokufumana uqhawulo-mtshato ngokwezezimali, ngendlela yoxolo. Ayikho i-feat elula, kodwa ayinakwenzeka.
Ke, gcina umbono wodwa wokuhlala ngokufanelekileyo koqhawulo-mtshato ngokuchaseneyo neendawo zokuhlala zoqhawulo-mtshato, apho isibini esibuhlungu singakwaziyo ukufikelela kwisivumelwano kwimiba ebalulekileyo enxulumene nemali yoqhawulo mtshato.
Abanye abantu abatshatileyo bakhetha ukuphuma ngaphandle kwenkundla njengesigqibo sokusombulula ukungavisisani ngokwasemphefumlweni nangokomthetho kwinkqubo yoqhawulo mtshato kunye nemicimbi enxulumene nokuhlala koqhawulo mtshato nabantwana.
Linyathelo lokuqala lokwakha ikamva elingcono, ke qiniseka ukuba uyenza ngokuchanekileyo, kwaye awuzukuphinda ukhathazeke ngayo. Emva koko, ungagqibela ngoku kwaye wenze iindlela ezintsha.