Ukuqonda uMtshato kunye nokuLindelwa kweMali

Umbhali: Laura McKinney
Umhla Wokudalwa: 7 Utshazimpuzi 2021
Hlaziya Umhla: 26 Isilimela 2024
Anonim
[C.C.] Akicheza mitende mizuri zaidi ulimwenguni
Ividiyo: [C.C.] Akicheza mitende mizuri zaidi ulimwenguni

Umxholo

Oyena nobangela woqhawulo-mtshato phakathi kwabantu abatshatileyo namhlanje ngumzabalazo wemali. Ngelixa ungonwaba kakhulu kukucinga ngokuchitha ubomi bakho nothando lwakho, akufuneki uvumele umbono ukuba ukubeke ecaleni kwinyani. Xa kuziwa emtshatweni kunye nemali (ulindelo lwezezimali), ezinye iinkcukacha ziyothusa.

Iingxoxo ezibandakanya imali zikhohlisile kuba azifane zibekho malunga nemali. Endaweni yoko, zininzi malunga nexabiso kunye neemfuno ezingafezekiswayo. Ukonyusa amathuba okuphumelela kobudlelwane bakho, imigaqo-siseko esisiseko kufuneka itshintshwe, kwaye kuya kufuneka wazi malunga nolindelo lwemali oluza nomtshato.

Ukwabelana ngamatyala kunye nenqanaba letyala

Ukuze umtshato uphumelele, kungcono ukuba wabelane ngetyala lakho kunye namatyala akhoyo ngoku. Rhoqo kunokuba kunjalo, abantu bathambekele ekutshateni umntu ngaphandle kokuqonda ngokupheleleyo imeko yezemali. Nangona kunjalo, kuya kufuneka ubuze imibuzo emininzi njengoko kufuneka ukuqonda imeko yezemali kunye nolindelo lwemali omnye umntu analo.


Ewe kunjalo, awudingi kudlula kwinkcitho yomnye umntu ngomgca kwaye ubone ukuba ichithwe phi ipenny nganye, kodwa licebo elihle lokutsala iingxelo zekhredithi kwaye wabelane ngazo nabanye ukucwangcisa ikamva ngokufanelekileyo.

Nokuba ukuba sematyaleni akuyongxaki enkulu kuwe, kubalulekile ukuba uyazi into ongena kuyo. Kwaye xa udibanisa iiakhawunti zezemali kunye nokuthenga izinto kunye, uthatha igama lomnye umntu kungoko kungcono ukuxoxa ngokulindelweyo nobabini.

Umdibaniso wezezimali

Kuya kufuneka uxoxe ngendlela oza kujongana ngayo nokudityaniswa kwemali yakho. Nje ukuba udibanise iimali zakho, kunokwenzeka ukuba uthembe iqabane lakho kwaye nisebenze njengeqela ukugcina itshekhi yebhajethi, inkcitho kunye neeakhawunti. Nangona kunjalo, indlela yokusingatha oku kwisibini ngasinye inokwahluka.

Umzekelo, abanye abantu abatshatileyo bajoyina zonke iimali zabo kwangoko ngelixa abanye begcina ii-akhawunti zabo zokujonga apho batshintshela khona isixa semali inyanga nenyanga kwiindleko zabo zenyanga. Nokuba yeyiphi na indlela oyikhethayo, kubalulekile ukuba wenze zonke izigqibo kwaye uthethe ngokulindelweyo ngaphambi kokudityaniswa kwemali.


Zazi iinjongo zomnye nomnye zemali

Wena neqabane lakho ninokuba nembono eyahlukileyo kwimali nakwimali. Ngelixa omnye wenu anokwaneliseka kukuhlala kuhlahlo-lwabiwo mali oluqine ngakumbi, omnye usenokucinga ngokuba nempumelelo kwezemali eyenza usapho luhambe minyaka le. Ukuba nobabini nihlala phantsi nithethe ngokulindelweyo kwemali nize nesicwangciso sezemali, omabini la maphupha anokwenzeka.

Kule nto, kufuneka uqale uchaze ukuba yeyiphi impumelelo yezemali kuni nobabini. Ngelixa oko kunokuthetha ukungabinamatyala kuwe, impumelelo yemali kwiqabane lakho kunokuthetha ukuthatha umhlala phantsi kwangoko okanye ukuthenga ikhaya leholide. Xoxa ngeesemantiki zolindelo lwakho lwezezimali kwaye uze nesicwangciso esinjalo semali esisivumelwano phakathi kweenjongo zabantu bobabini.


Cinga ngekamva lemali lomtshato

Cinga ngendlela oceba ngayo ukutyala imali kwikamva lezomtshato. Kukho ithuba eliphezulu lokuba iqabane lakho lilindele ukuba ugcine ikamva engqondweni ngokunjalo. Ukuba awusebenzeli ukonga imali, oku kuyakuthumela umyalezo ocacileyo; ingomso lisenokungabikho. Kodwa ukuba ugcine imali encinci, ke oku kuthumela umyalezo onamandla; kukho ithemba ngekamva!

Ngeledger ebonakalayo okanye kwitshathi elula, ungagcina ngokulula umlinganiso wokuba wonga malini kwixa elizayo. Khumbula ukuba imeko yakho yangoku yezemali ayibalulekanga njengaleyo uceba ukuyila. Kuba izinto ezilindelweyo zinceda ukugcina ikamva, kuya kufuneka ubenazo ezinkulu (kodwa ezizizo) kulwalamano lwakho ukuqinisekisa ukuba umtshato uphumelele kwaye wonwabile.

Ukulawula iimali

Kuya kufuneka ujonge ukuba ngubani oza kujongana nohlahlo-lwabiwo mali kunye nenkcitho yemihla ngemihla. Kulunge ngakumbi xa umntu omnye ejongana nokujongana nokuhlawula amatyala, ukuhlala ngaphezulu kokujonga ibhalansi yeakhawunti kunye nokulawula uhlahlo-lwabiwo mali. Nangona kunjalo, ukuthatha isigqibo ngeendima kwangoko akuthethi ukuba akufuneki uthethe ngohlahlo-lwabiwo mali okanye naluphi na ulindelo lwemali phantsi komgca.

Unxibelelwano lubalulekile; Ke, kubalulekile ukuba uthethe ngohlahlo-lwabiwo mali lwemihla ngemihla kunye nezigqibo zezemali nanini na kukho isidingo. Akukho namnye kuni omele azive ekhululekile okanye esindwa ngumthwalo xa kufikwa kwimeko yemali.

Ungalibali ukuba imali ayisiyiyo yonke into, ngakumbi xa isiza kubudlelwane. Nangona kunjalo, kuya kufuneka uyazi ukuba unxibelelana njani kwaye usebenze ngemicimbi yakho yezemali kunye. Ngenxa yoko, uya kuba nakho ukomeleza ubudlelwane bakho, xa nobabini kwiphepha elinye lolindelo lwezezimali.