Umxholo
- 1. Qala njengoko ufuna ukuqhubeka
- 2. Ukuxelwa ngokupheleleyo
- 3. Ukulungelelanisa okulindeleyo kunye nenjongo enye
- 4. Cwangcisa uhlahlo-lwabiwo mali
Ngamanye amaxesha, xa ubanjwe sisivunguvungu samalungiselelo omtshato, i-honeymoon kunye nolonwabo olukhulu lokuba yindoda okanye inkosikazi, kunokwenzeka ukuba ingqwalaselo kwikamva lakho lezemali kwaye ngakumbi ulindelo lwemali yakho emtshatweni isenokuba yehlile kancinci ( ukuba ikhe yayenza ngaphambili incoko kwasekuqaleni).
Ukulindelwa kwemali emtshatweni kunokungahoywa, kuthathwe kwaye kuthathwe njengento engenamsebenzi. Iingxelo zibonisa ukuba imiba yemali inoxanduva lwama-22% alo lonke uqhawulo-mtshato, olwenza ukuba lube ngowesithathu oonobangela boqhawulo mtshato. Ukungakhathaleli ulindelo lwakho lwemali emtshatweni ngumngcipheko omkhulu kunye neziphumo ongafuniyo ukungcakaza kuzo.
Xa utshatile, ukwintsebenziswano, usebenzela iinjongo ekwabelwana ngazo ebomini. Ezinye zazo ziya kubandakanya imali. Ke ngaphambi kokuba uzibone uphikisana okanye uziva ukhathazekile malunga nesimo sengqondo seqabane lakho kunye nokuziphatha kwakho kwimali kusengqiqweni ukuvavanya okwakho kunye nokulindeleka kwemali yeqabane lakho emtshatweni.
Ukuthatha ixesha lokuqonda okulindelweyo emtshatweni kuya kunciphisa iingxaki ezinokubakho njengokuziva ngathi uyalawulwa, ukuba nexhala malunga namatyala eqabane lakho okanye indlela oziphethe ngayo, okanye iimvakalelo zokuziva unetyala xa uchitha. Inokukhuthaza unxibelelwano oluphuculweyo, iingxoxo kunye nothethathethwano malunga nezicwangciso zakho zobomi zexesha elizayo kwaye uya kuthi ukuba wenza iinzame, unisondeze kunye njengesibini njengoko nifunda ukusebenza kunye ukwenza kunye nokuphumeza izicwangciso zakho zexesha elizayo.
Nazi iindawo ezimbalwa onokukwazi ukugxila kuzo ukuze ususe iingxaki ezinokubakho malunga nokulindelwa kwemali emtshatweni.
1. Qala njengoko ufuna ukuqhubeka
Enye yezona mpazamo zinkulu zenziwa zizibini ezininzi kukuba zichitha imali eninzi kakhulu kusuku lwabo lomtshato. Olu lindelo lwemali emtshatweni olunokuseta isibini kwimiceli mngeni yezemali kwasekuqaleni.
Njengokuba uqala, zininzi iindlela eziluncedo kakhulu onokusebenzisa ngazo imali yakho ukuzenzela ubomi obungcono kwaye uzinike esona siqalo sihle. Iyavakala ngakumbi into yokuphepha lo mngxunya wemali kwaye usete uhlahlo-lwabiwo mali lwakho lomtshato lusezantsi kakhulu kunokuba unokufikelela, emva kwayo yonke loo nto, lusuku nje kuphela. Umtshato wakho ngowobomi!
Ikwayinto embi ukwakha ityala lekhadi letyala lomtshato kuphela ukuchitha ukuqala kobomi bakho bomtshato uzama ukubuyisa ityala.
Zininzi iindlela zokonwabela usuku lomtshato lwamaxabiso asezantsi olunokuba luhle kwaye lukhumbuleke njengaleyo ekuchithele inkululeko yakho yezemali iminyaka emihlanu!
2. Ukuxelwa ngokupheleleyo
Uninzi lwethu lunamathambo ezimali kwigunjana lethu, kwaye nangona ukuxoxa ngeemeko zethu zezemali namaqabane ethu ayisiyonto imnandi- yinto eyimfuneko. Ukuba ulindelo lwakho lwemali emtshatweni luthatha ukuba ungazigcina kuwe iimfihlelo zakho zemali emva komtshato, kungafuneka uphinde ucinge kuba uyakuthatha umngcipheko omkhulu emtshatweni wakho.
Ukuthatha ixesha lokuqonda nokwamkelana imeko yemali yangoku kunye nengqondo yakho kuthetha ukuba uya kuba nakho ukwazi apho ukuqala khona ekudaleni isicwangciso esisebenzayo sokuba uza kuzifikelela njani iinjongo zakho ebomini bakho kunye.
Ngaphandle kokuxela ngokupheleleyo, uya kungena ezingxakini, okanye ucacise ukuba uza kwenza ntoni kwixesha elizayo, okuya kuthi ngokuqinisekileyo kukhokelele kumanqanaba okuthembela athobileyo kubudlelwane bakho nemali.
Qiniseka ukuba unyanisekile kumatyala akho, indlela ochitha ngayo, imikhwa emibi, izinto ezibangela ixhala kunye nolindelo lwakho kunye neepateni ezijikeleze imali ukuze ukwazi ukwenza isiseko esiqinileyo sezemali yakho yexesha elizayo.
3. Ukulungelelanisa okulindeleyo kunye nenjongo enye
Njengokuba nihlala ubomi benu kunye niya kuba neenjongo kunye nolindelo lwezezimali enifuna ukusebenzela kulo, mhlawumbi yindlu enkulu, iholide, ukulungiselela usapho, ukucima ityala okanye ukucwangcisela umhlala-phantsi, nokuba yintoni, kuya kubakho okukhulu njongo. Kodwa ingxaki kukuba bobabini abatshatileyo banokuba nolindelo olwahluke mpela kwezona zigqibo zibalulekileyo zezemali abafuna ukuzenza. Ke kubalulekile ukuba uxoxe ngeenjongo zakho zezemali kunye neminqweno kwaye nobabini njengesibini nivumelana ukuba zeziphi iinjongo zezemali enifuna ukusebenzela kuzo. Ngale ndlela ninokuba nobabini nityalomali ekudlaleni indima yenu ekusebenzeni niye kwiinjongo zenu. Imvisiswano emtshatweni nakwimali kunye neenjongo zazo ziyimfuneko kuxolo nolonwabo kubudlelwane.
Kodwa ukusebenza kweenjongo zakho linyathelo lokuqala nje, ngokulandelayo kuyakufuneka wenze amalungiselelo okuqhubeka ujongana kunye nokuvavanya ukuba ingaba niyayifuna na le njongo nobabini, ukuba uqhubele phambili njani kwiinjongo zakho, kwaye loluphi utshintsho onokulwenza ndiyathanda ukwenza. Ngaphandle kokungena, ubuncinci kube kanye ngonyaka, uya kuyilibala kwangoko kwaye unokude uhambe kwiinjongo zakho ezibalulekileyo zemali.
4. Cwangcisa uhlahlo-lwabiwo mali
Kubalulekile ukuseta uhlahlo-lwabiwo mali lwasekhaya kunye nolwakho ukuze ukwazi ukufezekisa iinjongo zakho zemali, kwaye bobabini baziva ngathi banegalelo ekufezekiseni iinjongo (nokuba mnye kuphela umntu owenza ingeniso). Ngale ndlela, i-bili yakho yokutya ayizukuqala ukunyuka ngenxa yokunceda, uya kucima izibane, okanye udibanise iindlela kuhambo olunye lokonga ipetroli, zonke eziya kuthi zibe negalelo ekugcineni uhlahlo-lwabiwo mali.
Ukuba nohlahlo-lwabiwo mali ekuvunyelwene ngalo akunakunceda ekulawuleni iimali zakho kuphela kodwa kuthintela naliphi na iqabane ekubeni lizive linetyala malunga nokuchitha, okanye kuthintelwe ekuthengeni into abayifunayo okanye abayifunayo kuya kuphelisa naziphi na iingxaki okanye iingxabano.
Landela ezi ngcebiso zokulawulwa kwemali ukuze umtshato uphumelele. Imali ayisiyiyo kuphela into egcina isibini sonwabile, nangona kunjalo, ukungaphathi kakuhle kwemali kunokubangela ungquzulwano nokonakala konxibelelwano emtshatweni. Umtshato kunye nezemali zihamba kunye kwaye kubalulekile ukulawula nokulungelelanisa ukulindelwa kwemali emtshatweni.