Umxholo
- Kutheni abantu bekhetha ukwahlula imali zabo emtshatweni
- Ungalunga njani emtshatweni onemali eyahluliweyo?
- Zeziphi ezinye iindlela?
- Imiba yezengqondo kunye nokuhlukana kwemali
Wakhe wazibuza ngendlela yokwahlulahlula imali yakho emtshatweni? Amaqabane asondela kwimali yawo ngeendlela ezahlukeneyo. Abanye bayifaka yonke kunye kwaye banengxowa-mali ekwabelwana ngayo ekuthengwa ngayo yonke into. Abanye abayenzi loo nto, kodwa bagcina iiakhawunti ezahlukileyo kwaye babelana kuphela ngeendleko ezinjengerente okanye iiholide zosapho. Ukuba uziva ngathi ukwahlukana kwemali kunye neqabane lakho yeyona nto ilungileyo, nazi iingcebiso ezimbalwa zokwenza oko.
Kutheni abantu bekhetha ukwahlula imali zabo emtshatweni
Uninzi lwethu luziva lucinezelwe ngandlela ithile ukuba lube nengxowa-mali ekwabelwana ngayo emtshatweni, iza phantse njengomboniso wothando. Okwangoku, esi sisimo sengqondo esingasekelwanga kwinyani. Yinto yokwakha yenkcubeko neyentlalo kuphela. Ngokwenyani, imali ayinanto yakwenza nothando, kwaye oku kuya nokuba kuyintoni na.
Kwaye sukucinga ukuba uyazicingela ukuba ucinga ukuba wena neqabane lakho anifanelanga ukwabelana ngeakhawunti kunye nenkcitho. Ngapha koko, kuchasene noko - ukuba uziva ukuba wenza njalo phantsi koxinzelelo, uvumela uninzi lokonwaba olungathethekiyo ukuba lwakhe, kwaye awuthethi ngokukhululekileyo neqabane lakho.
Kakhulu, abantu bakhetha ukwahlula imali yabo xa omnye okanye bobabini beziva ukungalingani kukhulu kakhulu. Umntu uchitha kakhulu kwaye ufumana umvuzo omncinci kakhulu. Okanye, kwezinye iimeko, amaqabane athanda ukugcina inkululeko yawo yezemali kwaye kungafuneki avumelane nendlela yomnye yokusebenzisa imali kunye nenkcitho. Okanye, iakhawunti ekwabelwana ngayo idala nje iingxaki ezininzi kunye nokungavisisani, kwaye abatshatileyo bayakwamkela ukukhululeka kokungafanelekanga ekuziphatheni kwamaqabane abo kwezemali.
Ungalunga njani emtshatweni onemali eyahluliweyo?
Ukuba ukhetha ukwahlulahlula imali yakho, zikhona izinto ezimbalwa ezibalulekileyo ekufuneka uzikhathalele ukuze ungayisebenzisi gwenxa le nkqubo kunye nokuthembana kweqabane lakho. Awukwenzi oko ukuze ufumane imali, kodwa ujonge ukuba nobabini nonwabe ngeli lungiselelo. Ngamanye amagama, ukuba wahlulahlulahlula iindleko ngeedola, umntu uya kuba phantsi kakhulu.
Idibeneyo: Ungabetha njani ibhalansi efanelekileyo phakathi komtshato nemali?
Eyona ndlela intle yokwenza izinto ifihla ngepesenti. Kwiqabane elenza ngakumbi oku kunokubonakala ngathi akulunganga xa uqala ukulibona, kodwa lelona lungiselelo lifanelekileyo. Kwenziwe njani? Yenza izibalo zakho. Jonga ukuba yimalini oyifunayo kwiindleko zakho ekwabelwana ngazo ngeedola, emva koko ubale ukuba yeyiphi na ipesenti nganye yomvuzo wakho ngesiqingatha semali esenziwe ziidola. Iyavakala inkohliso kodwa ayisiyiyo kwaphela. Kwaye yeyona ndlela intle yokwenza igalelo kwingxowa-mali yomtshato wakho, zombini zibekele bucala iipesenti ezingama-30 zomvuzo wakho, umzekelo, kwaye ufumane enye yonke ngokokubona kwakho.
Zeziphi ezinye iindlela?
Kuyenzeka ukuba wenze olunye ulungiselelo, ewe. Unako, umzekelo, ukuqhubeka nokufaka isandla kwingxowa mali yakho ekwabelwana ngayo uninzi lwemali yakho, kodwa uvumelane "ngesibonelelo". Esi sibonelelo sinokuba sisixa seedola okanye iipesenti zomvuzo wakho ngamnye athi awuchithe kuyo nayiphi na into ayithandayo, ngelixa ezinye zisathembekile.
Okanye, unokuvumelana ukuba zeziphi iindleko ezakuhoywa nguwe, kunye neqabane lakho. Ngamanye amagama, omnye wabatshati uya kuhlawula amatyala okusetyenziswa, ngelixa elinye liza kugubungela ubambiso. Omnye uya kuhlawula iindleko zemihla ngemihla kunye nokutya, kwaye omnye uya kujonga iiholide zosapho.
Ezinxulumene: Indlela yokuphepha iingxaki zemali emtshatweni wakho
Kwaye kwimitshato apho elinye iqabane lisebenza kwaye elinye lingasebenzi, kusenokwenzeka ukugcina imali eyahlukeneyo, bobabini banegalelo. Umlingane osebenzayo, uya kuthi, ewe, abelwe ukuzisa imali, ngelixa iqabane elingasebenziyo liya kujongana nokufumana iindlela zokucima inkcitho kangangoko kunokwenzeka, kunye namatikiti kunye nokunye. Kwaye iqabane elisebenzayo linokuthi, ngenxa yeendleko ezisezantsi, lisete i-akhawunti "yomvuzo womlingane" apho baya kugalela khona imali kwiqabane elingasebenziyo.
Imiba yezengqondo kunye nokuhlukana kwemali
Emtshatweni kunye namatyala ahlukeneyo, unxibelelwano lubalulekile njengaxa nisabelana ngemali. Kule meko, iya kuba malunga nentlonipho, iimfuno kunye neenqobo ezisemgangathweni, kunye nenyaniso yokuba ukwahlulwa kwemali akuthethi ukungazinikeli kubomi bakho ekwabelwana ngabo. Ngokuchasene noko, inika isigqibo sokukhula ngokuhambelana nenkqubo yakho yexabiso. Ekuphela kwento ngoku kukuphinda uthathe isigqibo rhoqo kwaye uthethe ngokukhululekileyo malunga nokuba usaziva ukuba yeyona nto ilungileyo emtshatweni wakho.