Umxholo
- 1. Yenza uhlahlo-lwabiwo mali
- 2. Xoxa ngamatyala
- 3. Xoxa ngeendlela zokuchitha
- 4. Ukunyaniseka kwezemali
- 5. Khuthaza iingxoxo rhoqo
- 6. Phila ngokwamandla akho
- 7. Soloko uxoxa ngaphambi kokuba uthenge izinto ezinkulu
- 8. Qhubeka uhlola kwakhona uhlahlo lwabiwo-mali
- Ukusonga phezulu
Ingxaki yemali inokwenzakalisa olona lwalamano luqinileyo. Kuyaziwa ukuba imali idlala indima ebalulekileyo ekunikezeleni ngokwaneliseka kubudlelwane. Amadoda athanda ukuziva enexabiso elikhulu eliza nemali ngelixa abantu basetyhini bejonga imali njengesixhobo sokhuseleko lwezezimali kunye nozinzo. Imiba yemali emtshatweni sesinye sezizathu eziqhelekileyo zokutshabalalisa ubudlelwane kunye nokwandisa amathuba okuqhawula umtshato.
Ngokusebenzisa ezi ndlela zilandelayo, unokukhusela umtshato wakho kwaye unqande imicimbi yemali emtshatweni
1. Yenza uhlahlo-lwabiwo mali
Unokwenza isicwangciso semali esifana nohlahlo-lwabiwo mali kunye neqabane lakho ukuze ukwazi ukulawula iindleko zenyanga kunye nokuphepha iingxaki zemali kwixa elizayo. Thatha isigqibo somvuzo wakho, emva koko uthathe isigqibo semali oza kuyabela ngeenjongo ezahlukeneyo. Unokufuna imali yokufumana izinto ezisisiseko ezinje ngendlu kunye nezinto zoncedo, i-inshurensi, ukutya, amatyala ezonyango, ukonwabisa, ezothutho kunye nezinye iindleko.
Uyaxoxa kwaye uthathe isigqibo malunga nokuba ungayityala phi imali yakho kwaye uqiniseke ukuba uneakhawunti ngokudibeneyo yokonga eza kusetyenziswa ngexesha likaxakeka. Nobabini kufuneka nihlale niyazi ukuba ingakanani imali eniyifumanayo kwaye yeyiphi inxalenye yayo esetyenziswayo kwaye igcinwe.
2. Xoxa ngamatyala
Nobabini kunye okanye omnye wenu unokuba netyala xa nitshata. Nokuba ngubani oyifumene kwaye ingakanani imali, kuya kufuneka uqiniseke ukuba nobabini nigqibe ekubeni nizakujongana njani nobabini. Umntu omnye okanye bobabini banokungena emtshatweni benamatyala okanye benze ityala xa sele betshatile. Kubaluleke kakhulu ukuba nobabini nihlawule ityala ngokukhawuleza kwaye niqiniseke ukuba nibekelwe umda omnye komnye ekuthatheni enye imali mboleko kwaye ukuba nisasifumana isidingo hlala uxoxa neqabane lakho.
3. Xoxa ngeendlela zokuchitha
Nobabini niya kuba neendlela ezahlukileyo zokuchitha, kwaye kubalulekile ukuba nibeke umda ngaphambili kwinkcitho yokuphepha imiba enxulumene nemali kwixa elizayo.
4. Ukunyaniseka kwezemali
Ukuthembana yinto ebaluleke kakhulu emtshatweni kwaye ukwaphuka kwayo kungakhokelela kwiziphumo ezibi. Le ntembeko ikwafuneka nakwezemali. Kuphephe ukungathembeki kwemali ngazo zonke iindleko. Ukuba imicimbi yakho yezemali ayiqwalaselwa kwangoko, inokonakalisa nomtshato wakho.
5. Khuthaza iingxoxo rhoqo
Nobabini kufuneka nihambe kuhlahlo-lwabiwo mali lweveki ngeveki ukuze nazi ukuba isetyenziswa njani imali kwaye ukuba nifuna ukwenza utshintsho kuyo. Kule nto, nobabini niyakwazi malunga nemeko yenu yezemali kwaye niyakwenza izigqibo nigcina engqondweni niyizisa emibini kwiphepha elinye kwaye nithintela imiba yemali emtshatweni.
6. Phila ngokwamandla akho
Wonke umntu uyakuthanda ukutyeba, kodwa akukho mntu uthanda ukophuka. Ukuqhekeka kunokuluxinzelela phantsi ubudlelwane bakho kwaye ukunqande oko kuhlala uzama ukuhlala kuhlahlo-lwabiwo mali. Kwaye nangaliphi na ixesha usenza uhlahlo-lwabiwo mali qiniseka ukuba unokuhlawula onke amatyala akho kunye nokuqinisekisa ukuba ugcina imali inyanga nenyanga.
7. Soloko uxoxa ngaphambi kokuba uthenge izinto ezinkulu
Akukho qabane liya kuthi lenze ukuthenga okukhulu ngaphandle kokuzisa amaqabane alo ekuzithembeni. Kubudlelwane obuphilileyo, kubalulekile ukuba omabini amaqabane akhululeke ngokwaneleyo ukuba axoxe kwaye abe negalelo elilinganayo kwisigqibo sokuthenga ngaphambi kokwenza nakuphi na ukuthengwa okukhulu.
8. Qhubeka uhlola kwakhona uhlahlo lwabiwo-mali
Kubaluleke kakhulu ukugcina ujonge imali yakho ukuqinisekisa ukuba imali ayenzi micimbi kubudlelwane bakho. Qiniseka ukuba uhlalutya kwakhona uhlahlo lwabiwo-mali kanye ngexesha elithile ukwenza uphuculo apho kufuneka khona. Unokwenza izigqibo ezintsha kunye njengokuyeka ukutya okumnandi kwaye ukhethe ukupheka into entle kunye. Ukwenza izigqibo ezinje ngezi akuyi kuwuthomalalisa umthwalo wakho wemali kuphela kodwa kuya kukusondeza kwaye komeleze ulwalamano lwenu.
Ukusonga phezulu
Kuqhelekile ukujongana nohlobo oluthile lweengxaki zemali ngaxa lithile ebomini bethu, kodwa ukuze sikwazi ukusebenza ngazo ngaphandle kokufumana ilahleko yeyona nto ibalulekileyo. Soloko unyanisekile kwaye uvulelekile kumaqabane akho malunga nazo zonke iingxaki ojamelene nazo njengoko ukuzifihla kuya kwenza izinto zibe mandundu. Qiniseka ukuba uyasebenzisana kwaye uyaqonda kwiqabane lakho ukuqinisekisa ukugcina imicimbi yemali emtshatweni.