Umxholo
Kudala imali ithathwa njengesinye sezifo eziqhelekileyo emtshatweni. Ukungavisisani malunga nokonga kunye nokuchitha imali kwenzeka rhoqo kunokuba uninzi lungathanda ukuvuma, kwaye okwangoku akukho nto inokwenziwa ukukhusela iimali ekuphoseni isitshixo kwizicwangciso zakho ngamanye amaxesha. Kukho, nangona kunjalo, kukho iindlela ezimbalwa onokuzisebenzisa ukuze ukhusele ubudlelwane bakho ekungaqiniseki ngoqoqosho lobomi.
Gcina, gcina, gcina!
Isicwangciso esinye nesona sibalulekileyo sokulindela okungalindelekanga kukuba gcina! Ngelixa le nto kudala yadluliselwa ukusuka kwesinye isizukulwana ukuya kwesinye, ukubakho kwetyala kunye nokubolekwa kwemali kubantu abancinci kwenza ukuba kube nzima ukuqonda ixabiso lokonga. Akuqhelekanga ukuba isibini sibe namashumi amawaka eedola kumatyala; iimali mboleko zabafundi, iimoto ezintsha, izindlu, kunye namakhadi etyala, ubukhulu becala, zezona zinto ziphambili kubomi bezibini zaseMelika. Rhoqo isixa semali osityalayo siphezulu kakhulu kunesixa semali isibini esisigcinileyo. Njengesibini, kubalulekile ukuba nithethe ngayo kwaye nize nesicwangciso sokonga esisebenzelayo. Chonga ukuba yimalini eya kugcinwa umrholo ngamnye kwaye loluphi uhlobo lweendleko ekufuneka zihlawulwe ngaphandle kweakhawunti. Lindela into ongayilindelanga; yongezela “xa kunokwenzeka.”
Ngubani oza kwenza ntoni?
Ngalo naluphi na uhlobo lomsebenzi, kunzima ukugqibezela into ngokufanelekileyo ukuba abantu ababini bazama ukwenza izinto ezifanayo. Emtshatweni, kubalulekile ukutyumba uxanduva kumntu ngamnye. Ukuchonga ukuba ngubani oza kujongana nantoni kwaye unamathele kwisicwangciso kunokunciphisa uxinzelelo oluziswa yimali kubudlelwane. Ngokucwangcisa kwangaphambili kunye nokuzibandakanya kuxanduva lomntu ngamnye, iqabane ngalinye linokuthatha inxaxheba kulawulo lweendleko kunye nohlahlo-lwabiwo mali. Njengoko bekutshiwo ngaphambili, kubalulekile ukuba uthethe ngayo kwaye ufike kuhlobo lwesivumelwano sokumisela ukuba uxanduva luya kwabiwa njani.
Makhe sithethe ngayo
Akubalulekanga nje ukuthetha ngokugcina, ukuchitha kunye noxanduva. Kubalulekile ukugcina unxibelelwano oluvulekileyo kunye nolwazelelo kunye neqabane lakho malunga nemali. Ukuzimela kunokuba nzima, ngakumbi xa usabelana ngolwazi oludanisayo okanye izinto ezixhalabisayo. Kodwa kubalulekile ukushiya umnyango wonxibelelwano uvulekile. Ukuqinisekisa akufuneki ukuba kuphazanyiswe ngenxa yobundlongondlongo-ukungqubana neqabane lakho akuyomfuneko ukufumana ingcaciso yakho. ukuba unenkxalabo malunga nokuchitha okanye malunga neqabane lakho elingalandeli kwisiqingatha somsebenzi, sebenzisa amabinzana abonisa uxanduva lomntu. Ukuvula ngamabinzana anje, "Ndicinga ..." okanye "Ndiva ..." bonisa kwiqabane lakho ukuba uthatha uxanduva lweemvakalelo zakho kodwa unqwenela ukwabelana ngento ekukhathazayo. Lumkela ulwimi lomzimba, inkangeleko yobuso, kunye nelizwi; Zonke ezi zinokutshintsha imeko yamagama athethwayo.
Jonga kwakhona: Indlela Yokufumana Ulonwabo Emtshatweni Wakho
Izigqibo, izigqibo
Njengamaqabane, isibini kufuneka sisebenze njengeqela, hayi njengabachasi. Njengakwezemidlalo, eyona asethi yakho ibaluleke kakhulu kunye nenkxaso enkulu ivela kwiqela lakho. Ukuthetha ngeengxaki kunye nokwenza izigqibo kunye kubalulekile ukugcina uxanduva ekwabelwana ngalo kuzinzo lwezezimali. Ukuba sele unenkqubo emiselweyo yokunxibelelana kunye nokwahlula uxanduva, ukubakho kweendleko ezingalindelekanga kubonakala kunzima kakhulu. Ukuvuleleka kunye nokuguquguquka komnye nomnye kunokukhuthaza umanyano kunye nokuthintela ukungaqiniseki kunye neziganeko ezingacwangciswanga ezonakalisa ukuthembana nokhuseleko kubudlelwane.
Ngokwenza ngokukuko kunye nokuseka imeko ngokubanzi emtshatweni wakho yokujongana neendleko, izehlo ezingacwangciswanga ziye zingabi noxinzelelo. Ukuphatha imali emtshatweni kufuneka uzive njengobambiswano kunokhuphiswano. Ukuba ufumanisa ukuphikisana rhoqo malunga nemali kunye nemali kunye nomntu omthandayo, thatha inyathelo lokubuyela umva. Jonga ulwalamano umntu ngamnye analo nemali. Ngaba kukho indawo yokukhula okanye yokuphuculwa kwayo nayiphi na indawo? Ngaba uyakubona ukungqubana koxanduva okanye imisebenzi? Ngaba lukhona utshintsho okanye uhlengahlengiso ekufuneka lwenziwe xa kusenziwa uhlahlo-lwabiwo mali oluya kuvumela ngamnye wenu ukuba abe neemfuno kwaye afune ukuba zifezekiswe zombini? Ezi zicwangciso zine zisenokungabi yimpendulo kuwe, kodwa yindawo elungileyo ukuqala!