Umxholo
- 1. Buyela umva kwaye uthathe umfanekiso wemifanekiso yakho yonke yezemali
- 2. Yenza uluhlu lweendleko zakho zangoku zokuphila
- 3. Zikhumbule ezi zinto njengokuba uthetha
- 4. Yenza iintlanganiso zemali okanye imihla yezemali umsitho wenyanga
Ukuba wena neqabane lakho nisilwa ngezemali, awuwedwa. Izibini ezilwa ngemali ziqhelekile njengoko zifumana. Imiba yezemali emtshatweni ikhokelela kungxwabangxwaba emtshatweni.
Ngokomndilili, izibini zilwa malunga nemali kahlanu ngonyaka.
Imali-indlela oyifumana ngayo, uyigcine kwaye uyichithe- yinto eshushu kwaye inokuba ngumthombo obalulekileyo wengxabano kubantu abaninzi.
Nangona kunjalo imali yinto ebalulekileyo kwimpilo yobudlelwane bakho, ke ngoko nobabini kufuneka nibe selubala malunga nokuba imali ithetha ntoni kuni.
Ukwabelana ngezimvo zakho malunga nemali yenye yeengxoxo ekufanele ukuba uzenze ngaphambi kokuba nihlale kunye okanye nitshate.
Ukuthetha ngezemali kuhlala kwenza ukuba isibini singakhululekanga, nto leyo ebangela ukuba bayiphephe incoko okanye bayityhalele kwelinye ixesha.
Kodwa abantu abatshatileyo kufuneka benze ixesha lokuhlala phantsi ngokuzolileyo kwaye bavakalise indlela abayibona ngayo imali kunye nendima yayo kubomi babo ekwabelwana ngabo. Ezi ncoko zijolise ekuqondeni ukuba kutheni imali iba yingxaki emtshatweni.
Thethani ngemali ngaphambi kokuba nihlale kunye
Ngaba imali iba yingxaki emtshatweni? Iingxaki zemali kubudlelwane zibangelwa kukungahambelani kwemali phakathi kwabantu abatshatileyo.
Ukuhlakulela umtshato owomeleleyo onokoyisa uxinzelelo lwezezimali emtshatweni kunye nokulinganisa imali yomtshato, kubalulekile ukuthatha isitokhwe semali kunye neengxaki zomtshato.
Nantsi imibuzo ebalulekileyo ejikeleze imiba yemali kubudlelwane ukuba ubuze xa ufuna ukufumana umbono womfanekiso wezezimali womntu ocinga ukuzibophelela kuye.
Le mibuzo iyakukhanyisa malunga nomtshato kunye neengxaki zemali kwaye ikunike ukuqonda malunga nendlela yokujongana nemicimbi yemali kubudlelwane.
- Yimalini ekufuneka umntu ngamnye azive ekhululekile kuyo?
- Ngaba ucinga ukuba kubalulekile ukudibanisa iimali zakho kunye? Ngaba kufuneka ube uneakhawunti enye yokutshekisha ngokudibeneyo okanye iiakhawunti ezimbini ezizimeleyo? Ukuba yeyokugqibela, ngubani oya kuba noxanduva lwazo iindleko?
- Ulahlula njani uhlahlo-lwabiwo mali ukuba imivuzo yakho yahluke kakhulu?
- Ngubani oza kulawula uhlahlo-lwabiwo mali lwasekhaya?
- Uza kuzithatha njani izigqibo malunga nokuthenga okukhulu, njengemoto entsha, ikhefu, izinto ze-elektroniki ezintle?
- Ufanele ubeke malini okongeni inyanga nenyanga?
- Ngaba ucinga ukuba kubalulekile ukufaka isandla ecaweni okanye kwimibutho yesisa?
- Ungathini ukuba ubungenayo le ngxoxo phambi kokuzibophelela komnye nomnye, kwaye ngoku ufumanisa ukuba indlela elijonga ngayo iqabane lakho ngemali yahluke mpela kweyakho?
- Ngaba ikhona indlela yokucoca umoya malunga nezemali ngaphandle kokuba le ngxoxo ijike ibe yingxabano?
Ukuvula malunga nemali ngaphandle kokuba nomsindo
Ufikelele kwinqanaba lobudlelwane bakho apho kubalulekile ukuba ube nengxoxo epholileyo, yabantu abadala malunga noxanduva lwakho lwezemali.
Imali kubudlelwane sisihloko esibuthathaka sokuxoxa, kwaye kufuneka unyathele ngononophelo ngelixa ugcina ukungafihli kumcimbi wezezimali zomtshato.
Imali iba yingxaki emtshatweni xa izibini zingazimiselanga ukujongana nendlovu engumzekeliso egumbini.
Oku kunokufuna ukwenziwa phambi komntu wesithathu ongathathi hlangothi, njengomcwangcisi wezemali, onokukunceda ekukhokeleni kwinto enokuba yingxoxo enzima.
Ungenelelo olusemthethweni lunokukunceda ekuboneni ukuba kutheni imali iba yingxaki emtshatweni.
Akusoloko kuyimfuneko ukuzisa ingcali, nangona kunjalo, ngakumbi ukuba iindleko zokuqesha umcwangcisi wezemali ziya kongeza ipetroli kumlilo wezemali. 
Ninokuya kwimicimbi yemali ngokwenu ngendlela evumela ukuba nobabini nive ukuba niyiviwe.
Cwangcisa umzuzwana kunye neqabane lakho ukuba nihlale phantsi nithethe ngemali nangemitshato.
Nika ixesha eloneleyo lokutshintshiselana, kwaye wenze indawo apho incoko iza kubanjelwa khona kamnandi nocwangco.
Mhlawumbi unazo iikhompyuter zakho ukufikelela kwiakhawunti ekwi-intanethi kunye nesoftware yohlahlo-lwabiwo mali lwasekhaya.
Injongo kukusebenza ngezezimali ngendlela ecwangcisiweyo, ukuze nobabini nibone ukuba yeyiphi imali engenayo kwaye kufuneka niyabe njani ukuze ubomi benu (kunye nobudlelwane) buhlale emgceni.
Oku kuyakukunceda ekuphumeni kwiinjongo zakho zemali, ukubandakanyeka kwimilo yemali, kwaye ekugqibeleni uzibuze ukuba kutheni imali isiba yingxaki emtshatweni.
Ngaba ujonga iingcebiso kulawulo lwezezimali emtshatweni? Nantsi indlela ongaqala ngayo ukujongana nemicimbi yemali emtshatweni.
1. Buyela umva kwaye uthathe umfanekiso wemifanekiso yakho yonke yezemali
Bhala phantsi into ozisa yona ngamnye malunga nomvuzo okanye umvuzo ozimeleyo.
- Ngaba kwanele?
- Ngaba kukho amandla okunyusa kunye nokuphakamisa okuya kukuvumela ukuba uguquke ngokwezimali?
- Ngaba omnye wenu ufuna okanye ufuna ukufumana ngaphezulu? Thetha ngazo naziphi na izicwangciso zotshintsho kwikhondo lomsebenzi.
Bhala phantsi ityala lakho langoku (iimali mboleko zabafundi, iimoto, iintlawulo zendlu, amakhadi etyala, njl.njl.). Ngaba umthwalo wakho wetyala yinto onwabe ngayo?
Ngaba nobabini niyigcina kwinqanaba elilinganayo, okanye ngaba ityala lenu libonakala linyuka? Ukuba kunjalo, kutheni?
Ukuphendula le mibuzo ifanelekileyo kuya kukuthintela ukuba ungakhalazi malunga nokuba kutheni imali iba yingxaki emtshatweni.
2. Yenza uluhlu lweendleko zakho zangoku zokuphila
Buzanani ukuba ngaba oku kubonakala kufanelekile. Ukuba uthatha isigqibo sokuba ufuna ukufaka isandla ngakumbi kulondolozo, ngaba zikhona iindleko zemihla ngemihla onokuthi unciphise ukuzenza?
Ngaba ungayinqumla i-Starbucks yakho yemihla ngemihla?
Tshintshela kwindawo yokuzivocavoca engabizi kakhulu, okanye usebenzise iYouTube ukuze uhlale umile?
Khumbula, zonke izigqibo zokunciphisa iindleko kufuneka zenziwe ngomoya wobunye, kwaye hayi umntu anyanzelise omnye.
Ukuthintela iingxaki zemali emtshatweni, kungcono ukufikelela kwisivumelwano eninokucoceka ngaso nobabini malunga nokuba ufuna ukubeka imali engakanani, kwaye uyenzela ntoni injongo.
Uya kufuna ukuhlala umamele ngokuzimisela kwigalelo leqabane lakho kule ncoko ukuze uqhubeke ngokutyibilikayo nangokuqinisekileyo. Ngaphandle koku, uya kuba nakho ukuthintela iimeko apho imali iba yingxaki emtshatweni.
“Kuvakala ngathi ukubhatalela abantwana izikolo zabucala kubalulekile kuwe,” ngomnye umzekelo wokumamela ngokunyanisekileyo.
"Masibone ukuba sinazo na izixhobo zokwenza loo nto ibe yinyani" yinto engoyikisiyo yokufumana iqabane lakho ukuba lihlole ngononophelo injongo nganye yezemali.
3. Zikhumbule ezi zinto njengokuba uthetha
Ukuba uyayiva ithoni yencoko inyukela kwimpixano, uya kufuna ukukhumbuza iqabane lakho ukuba injongo yokuhlala phantsi kunye kukubonisa ukuba nobabini nifuna ukuqinisekisa njani uzinzo lwekhaya lakho.
Bakhumbuze ukuba uyabathanda kwaye ezi zigqibo macala omabini zibalulekile kulwalamano lwenu.
Thatha ikhefu elifutshane ukubuyisa inqanaba phantsi ukuba ufuna njalo, kodwa buyela etafileni ukuze uqhubeke nokuthetha ukuze ushiye oku ngesicwangciso esifanelekileyo enivumelene ngaso nobabini.
Khumbula, ukuphendula umbuzo othi, "kutheni imali iba yingxaki emtshatweni," kubalulekile ekulondolozeni imvisiswano emtshatweni.
4. Yenza iintlanganiso zemali okanye imihla yezemali umsitho wenyanga
Ngoku unombono ocacileyo wemeko yakho yezemali kunye nalapho ufuna ukusuka apha.
Uvumile ngamanqaku abalulekileyo kwaye uzive ukhululekile kulo naluphi na uciphiso lohlahlo-lwabiwo mali okanye utshintsho lomsebenzi.
Ukuzigcina unxibelelana nezi njongo, kutheni ungenzi ezi ntlanganiso zibe ngumsitho wenyanga?
Ukuba nexesha elimiselweyo lokuhlala phantsi uphonononge ukuba wenze njani ngokunamathela koluhlahlo-lwabiwo mali linyathelo elihle ekugcineni amandla owenzileyo.
Nobabini niya kushiya ezi ntlanganiso niziva nikhuseleke ngokwasemalini nanjengabantu abatshatileyo ngelixa nifumana isisombululo kwiingxaki zemali emtshatweni.
Ukuthabatha uxinzelelo kwimali yakho kwaye ubeke endaweni yalo imvakalelo yokhuseleko kuya kukhulisa ukonwaba kwakho njengesiqabane kwaye kunivumele nikhule kwaye niphumelele kunye.
Umbuzo, kutheni imali iba yingxaki emtshatweni iya kuba yinto engafunekiyo kwintsebenziswano yakho yomtshato.