Umxholo
- 1. Ukuqinisekisa uzinzo kwezemali
- 2. Thatha isigqibo sokuba kwabelwanwa njani ngemali
- 3. Kuphephe ukulwa malunga nemali
- 4. Yakhani ikamva eliqaqambileyo kunye
Kuluntu lwethu, ukuthetha ngemali kuhlala kuthathelwa ingqalelo. Nangona kunjalo, kubudlelwane obusondeleyo njengobuqabane bezothando, ukusilela ukuba nengxoxo malunga nemali kunokuba sisivumelwano.
Nokuba uza kutshata kungekudala, isibini esisandul 'ukutshata, okanye nithandane iminyaka, kubalulekile ukuba uthethe neqabane lakho malunga nemali.
Imiba yemali inokwenza okanye iphule ubudlelwane. Ke, niyilawula njani imali yenu njengesibini?
Kuya kufuneka nobabini nibe kwiphepha elinye malunga nendlela yokuphatha zombini iimpethu kunye namaxesha anyanzelekileyo. Qhubeka ufunda ukukhangela izizathu ezine zezona zibalulekileyo kwisibini ngasinye kufuneka sithethe ngemali kunye nendlela yokujongana nemicimbi yemali kubudlelwane.
1. Ukuqinisekisa uzinzo kwezemali
Ubudlelwane bucela umngeni ngokwaneleyo ngokwabo ngaphambi kokuba imali iqale. Lo mbuzo ubuza umbuzo, ungathetha njani ngemali kunye nesoka lakho, intombi yakho okanye iqabane lakho?
Ukuze abantu ababini bakhe ubomi kunye, kufuneka baxoxe ngokuba ngubani oza kuba ngumboneleli ophambili kusapho lwabo, ukuba bazophendula njani kwiimeko zongxamiseko kunye nazo naziphi na ezinye iinkcukacha ezifaka isandla kuzinzo lwezezimali.
Ukusilela ukuxoxa ngayo nayiphi na kwezi zihloko kuya kubangela ingxaki ngakumbi kwisibini ngokungazinanzi ezi nkcukacha kunye nemicimbi ehamba nazo inokuthi ikhokelele ekuweni kwesi sibini.
Kulula ukuba abantu bangafuni ukucinga ngemali kunye nethemba lokuba yonke into iyenzeka, kodwa ukuthatha ixesha lokuthetha ngezicwangciso kunye neenjongo zakho kunye neqabane lakho kuya kuninceda nobabini nizive nizithembile kwaye nikhuselekile kwikamva lenu ekwabelwana ngalo.
Qiniseka ukuba nobabini nizonwabile ngezicwangciso zenu.
Kunokuba nzima xa umntu ethwala umthwalo wokubonelela okanye xa elinye iqabane livakalelwa kukuba ngabo kuphela abazama ukugcina.
Kwimiba yolawulo lwemali njengesibini, thethani omnye nomnye ukuqinisekisa uzinzo kuzo zombini ezemali kunye nobudlelwane bakho.
2. Thatha isigqibo sokuba kwabelwanwa njani ngemali
Kwisibini, amaqabane amabini ayavuma ukwabelana ngothando lwabo kunye nokuhlala kunye.
Kolu hlobo lobudlelwane, omabini amaqabane kufuneka axoxe ngeenkcukacha ezisisiseko njengokuba ngubani onoxanduva lokuhlawula iindleko zokuhlala ezinje ngerente, ukutya, kunye ne-inshurensi, ukongeza kwezinye izigqibo ezibalulekileyo ezinje ngokuba bafanele ukufaka isicelo semali-mboleko yemali kwangoko yosuku olunye iindleko zezinto zamatikiti amakhulu.
Indlela ogcina ngayo, oyikhupha ngayo imali-mboleko, okanye yokwenza isicelo soncedo-mali zizinto zonke ezibalulekileyo ekufuneka kuxoxwe ngazo phakathi kwenu.
Ngelixa izibini ezininzi zikhetha ukwaba imali yazo ngandlela thile, ezi ntlobo zezigqibo kufuneka zixoxwe ngabo bobabini amaqabane kwangaphambi koko.
Ukusingatha iimali kunye, ungaze ucinge ukuba nikwiphepha elinye ngaphandle kokuthetha izinto. Oko kuphendula umbuzo, "uthetha njani ngemali kubudlelwane"
3. Kuphephe ukulwa malunga nemali
Ukulwa imali amaxesha ngamaxesha kungesosizathu sokuba uninzi luthande ubudlelwane buhlukane. Ke, niyiphatha njani imali kunye?
Amaqabane angaze athethe omnye nomnye malunga nento ebaluleke njengemali aya kuzifumana ephalaza ngenxa yokungaqondani, ethetha ngokungazithembi kwemali, kwaye ephikisana ngenxa yokungaqiniseki ngekamva.
Nangona ukuxoxa ngesihloko sezemali akusoloko kulula ukwenza isigqibo, kunokuba yeyona nto igcina ubudlelwane bakho.
Thetha ngezemali xa nobabini nikwimeko entle kwaye ningenzi zityholo.
Khumbula ukuba kulungile ukufuna iingcebiso kunye nonyango kunye, kwaye kungabi luphawu lobudlelwane obubi. Akukho hlazo ekufuneni ulamlo okanye uncedo ukuze ukwazi ukusingatha ezi ngxoxo.
Jonga kwakhona:
4. Yakhani ikamva eliqaqambileyo kunye
Ukuthetha ngemali kwenza kube lula kwizibini ezinyanisekileyo omnye komnye.
Abantu abatshatileyo bafanele bayiphathe njani imali?
Endaweni yokufihla into efana nengeniso eyongezelelweyo okanye iintaba zamakhadi etyala okanye amatyala, izibini ezinentetho "yezemali" ziyakwazi ukungafihli ngayo nantoni na nayo yonke into enxulumene nemali.
Nokuba badlula kwimeko enzima ngokwezimali okanye basebenza kunye ukufikelela kwiimpawu ezithile, ukuba kwiphepha elinye ngokwezemali kuya kunceda ukomeleza ubudlelwane babo.
Ukunyaniseka nentlonipho ziziseko ezibini zalo naluphi na ulwalamano oluhle, kwaye zizimpawu eziphuhliswa ngokwendalo xa kuthethwa ngemali. Eli licwecwe elibalulekileyo lendlela yokuphatha imali kunye.
Kunganzima kwaye kungonwabisi ekuqaleni, kodwa ngokuthatha ixesha lokuthetha ngezemali, wena neqabane lakho niyakwazi ukwakha ikamva elingcono kunye.
Ngendlela yokusingatha imali kunye, musani ukoyika ukuqala izifundo ezibuthathaka, kodwa yenzeni ngobabalo nothando.
Izibini ezininzi zinokuba madolw 'anzima ukuthetha ngemali, kuba boyika ukuba ukuxoxa ngezi zihloko kungakhokelela kwiingxabano ezizayo. Nangona kunjalo, le ntetho ibalulekileyo malunga nemali yeyona ndlela ingcono yokukhusela ubudlelwane babo kunye nokulungiselela ikamva.
Qala ngeentetho ezincinci malunga nokonga kunye neenjongo ezizayo, kwaye ukusuka apho ungaqala ukuba neengxoxo ezinkulu malunga nokugcina ixesha elide iiakhawunti, iimali mboleko, imali mboleko kunye neminye imicimbi yezemali.
Ke, ungayiphatha njani imali ngokudibeneyo ukuba ijongeka ilukhuni kwaye ibandakanya ukungaqondani?
Nokuba kubonakala kunzima ekuqaleni, ukwenza njalo kuya kuluqinisa ulwalamano kunye nothando. Ngokukhuseleka ngakumbi kwikamva lakho lezemali, kokukhona kuya kufuneka ukuba wena neqabane lakho nibe nexhala malunga nokulandelayo. Nje ukuba nijongane nendlela yokuphatha imali kunye, ninokugxila kwezona zinto zibalulekileyo ngoku.