Umxholo
- Ukufihla imali komnye nomnye
- Ukungahoyi ixesha lakho elidlulileyo lemali
- Ukubaleka umba
- Ukuphila ngaphaya kwamandla akho
- Ukugcina yonke imali yakho yahlukile
- Ukungazibekeli iinjongo ezifanayo
- Ukulibala ukubonisana
- Micromanaging omnye komnye
- Ungabambeleli kuhlahlo-lwabiwo mali
Imiba yemali ingunobangela ophambili weengxaki zomtshato nkqu noqhawulo-mtshato. Imali ngumba onameva onokukhawuleza unyuke ube yimilo, inzondo kunye nentiyo enkulu.
Akunyanzelekanga ukuba kube njalo. Imali inokuba sisifundo esichukumisayo kodwa akufuneki ibe njalo. Jonga ezi zinto zixhaphakileyo ezonakalisa umtshato, kwaye ufunde ukuba ungenza ntoni ngazo.
Ukufihla imali komnye nomnye
Ukufihlana imali yindlela eqinisekileyo yomlilo yokwakha inzondo kunye nokutshabalalisa ukuthembana. Njengesibini esitshatileyo, niliqela. Oko kuthetha ukuba kuvulelekile omnye komnye malunga nazo zonke izinto zemali. Ukuba ufihle imali kuba ungafuni ukwabelana ngezixhobo zakho okanye awuthembi iqabane lakho ukuba lingazukuchitha, lixesha lokuba uthethe nzulu.
Kwenziwe ntoni: Vumelanani ukunyaniseka omnye komnye malunga nayo yonke imali eniza nayo ekhaya.
Ukungahoyi ixesha lakho elidlulileyo lemali
Uninzi lwabantu luhlobo oluthile lokuthwala imali. Nokuba kukusilela kokonga, uninzi lwamatyala omfundi, ityala eliyityala elothusayo okanye ukungabinamali, amathuba okuba nobabini ninamathambo emali kwikhabethe. Ukuzifihla kuyimpazamo nangona kunjalo - ukunyaniseka kubalulekile kumtshato ophilileyo, kwaye ukunyaniseka kwezemali kubalulekile njengalo naluphi na olunye uhlobo.
Kwenziwe ntoni: Xelela iqabane lakho inyaniso. Ukuba bakuthanda ngokwenyani, baya kuyamkela imvelaphi yakho yezemali nako konke.
Ukubaleka umba
Imali akufuneki ibe sisihloko esingcolileyo. Ukuyitshayela phantsi kombhoxo kuya kubangela iingxaki ukuba zikhule kwaye zikhule. Nokuba umba wakho ophambili wemali lityala, utyalo-mali olubi, okanye ukwenza uhlahlo-lwabiwo mali olusempilweni mihla le, ukungahoyi ayisiyiyo indlela elungileyo.
Kwenziwe ntoni: Bekela bucala ixesha lokuthetha ngokuphandle ngemali. Cwangcisa iinjongo zeemali kunye kwaye nixoxe ngeenjongo zenu zemali njengeqela.
Ukuphila ngaphaya kwamandla akho
Ukuchitha ngaphezulu yindlela ekhawulezayo yokongeza uxinzelelo olunxulumene nemali emtshatweni wakho. Ngokuqinisekileyo kuyacaphukisa xa uhlahlo-lwabiwo mali lwakho lukhulu ngokwaneleyo ukuba luxhase iholide, izinto ozithandayo okanye i-Starbucks eyongezelelweyo, kodwa ukuchitha ngaphezulu akuyiyo impendulo. Imali yakho iya kuba ingenanto, kwaye amanqanaba oxinzelelo lwakho aya kuba phezulu.
Kwenziwe ntoni: Vumelanani ukuba nobabini niya kuphila ngokwamandla enu kwaye niphephe ukuhlawula amatyala ngokungeyomfuneko.
Ukugcina yonke imali yakho yahlukile
Xa utshata, uba liqela. Akunyanzelekanga ukuba udibanise zonke izixhobo zakho zokugqibela, kodwa ukugcina yonke into eyahlukileyo kungakhokelela kwibala phakathi kwakho. Ukudlala umdlalo othi “le yeyam kwaye andabelani nabanye” okanye “ndirhola ngaphezulu ukuze ndenze izigqibo” yindlela ekhawulezayo eya engxakini.
Kwenziwe ntoni: Vumelanani kunye ukuba ngamnye uza kufaka malini kuhlahlo-lwabiwo mali lwasekhaya, kunye nobungakanani bokugcina bucala kwinkcitho yomntu.
Ukungazibekeli iinjongo ezifanayo
Wonke umntu unobuntu "bemali" obugubungela indlela abayichitha ngayo kwaye bayigcina. Wena neqabane lakho anisayi kwabelana ngeenjongo zemali, kodwa ukubeka iinjongo ezithile ekwabelwana ngazo kuluncedo kakhulu. Ungalibali ukukhangela kunye rhoqo ukuze uqiniseke ukuba nobabini nisephepheni elinye.
Kwenziwe ntoni: Hlalani phantsi nivumelane ngezinye zeenjongo enisabelana ngazo. Usenokufuna ukuba nemali ethile oyongayo, okanye ubeke imali eyaneleyo ecaleni ukwenzela iholide okanye umhlala-phantsi otofotofo. Nokuba yeyiphi, yipele, uze wenze isicwangciso sokusebenza ngayo kunye.
Ukulibala ukubonisana
Ukulibala ukubonisana malunga nokuthengwa kwezinto ezinkulu kungumthombo wengxabano kuwo nawuphi na umtshato. Ukufumanisa ukuba iqabane lakho lithathe imali kuhlahlo-lwabiwo mali lwakho lokuthenga okukhulu ngaphandle kokuxoxa ngalo kuqala ngokuqinisekileyo kuya kukuvusa. Kwangokunjalo, ukuthenga kakhulu ngaphandle kokubabuza kuya kubaphazamisa.
Kwenziwe ntoni: Soloko ubonisana ngaphambi kokuthenga. Vumelanani ngemali eyamkelekileyo eninokuyisebenzisa ngaphandle kokuxoxa ngayo kuqala; ngalo naluphi na ukuthengwa okungaphezulu kwelo xabiso, thetha ngalo.
Micromanaging omnye komnye
Ukuthetha malunga nokuthengwa okuphambili ngumbono olungileyo, kodwa ukuziva ngathi unetyala kwiqabane lakho inkcazo ngayo yonke into oyichithayo, ayisiyiyo. Ukwenza izinto nge-Micromanaging yonke enye into echithiweyo yenye ibonisa ukungathembani, kwaye uya kuziva ulawula komnye umntu. Kufuneka uxoxe ngezinto ezinkulu zetikiti; awudingi ukuxoxa ngekomityi yekofu nganye.
Kwenziwe ntoni: Vumelanani kwisixa semali ebekelwe okunokuvela ngamnye wenu angabinakho ngaphandle kokuphendula komnye.
Ungabambeleli kuhlahlo-lwabiwo mali
Uhlahlo-lwabiwo mali sisixhobo esibalulekileyo kulo naliphi na ikhaya. Ukuba nohlahlo-lwabiwo mali kunye nokuncamathela kulo kunceda ukuba ulawule ungeniso lwakho kunye nokuphuma, kwaye kwenze kube lula ukubona xa ujonga indawo apho ivela khona imali, kwaye iyaphi. Ukuphambuka kuhlahlo-lwabiwo mali kunokuphosa iimali zakho ngaphandle kwaye kukushiye mfutshane xa amatyala esiza.
Kwenziwe ntoni: Hlalani phantsi kunye nivumelane ngohlahlo-lwabiwo mali. Gubungela yonke into ukusuka kumatyala aqhelekileyo ukuya kwiKrisimesi kunye nemihla yokuzalwa, izibonelelo zabantwana, ubusuku nangaphandle nokunye. Nje ukuba uvumelane ngohlahlo-lwabiwo mali, bambelela kulo.
Imali ayifanelanga ukuba ithambo lomtshato emtshatweni. Ngokunyaniseka, isimo sengqondo sokusebenzisana, kunye namanyathelo athile asebenzayo, unokwakha ubudlelwane obunempilo kunye nemali eyinzuzo kuwe nobabini.