Umxholo
- 1. Qesha ingcali
- 2. I-inshurensi yoPhando
- 3. Lawula amatyala akho
- 4. Yinyamekele kakuhle indlu yakho
- 5. Lwela oko ukufaneleyo
- 6. Phinda ubhale amaxwebhu amafa akho
- 7. Dlulisela imali ngokukhawuleza kangangoko unakho
- 8. Qalisa ukugcina imali
- 9. Beka imali yakho ecaleni kwirhafu
Kubantu abaninzi, uqhawulo-mtshato aluyonkqubo nje elula esemthethweni enamaphepha anesiginitsha ezibini kuwo. Uqhawulo-mtshato ingaba lixesha elinzima kakhulu, kwaye olu tshintsho lunokuchaphazela phantse yonke indawo yobomi bakho; ngokwasemzimbeni, ngokweemvakalelo, ngokwasengqondweni, ngokwasekhaya, ngezemali, ezempilo, ezentlalo nangaphezulu.
Nokuba ukhetha ntoni ekuqaleni koqhawulo-mtshato ungashiya impembelelo enokuhlala ixesha elide kakhulu, nasemva kokuba uqhawulo-mtshato lugqityiwe. Ngeli xesha, kubalulekile ukuba uhlale phantsi kwaye ucwangcise ngokufanelekileyo kwaye ulungiselele esi sigqibo kunye nenkqubo yaso.
Ukuthatha amanyathelo a-smart, ukusebenza ngobuchule kuya kukumisela ngekamva eliqaqambileyo kunye nempumelelo onokuthi ukhululeke ngayo.
Ukwenza iimpazamo eziphambili kwasekuqaleni kule nkqubo akuyi kwenza izinto zibe nzima kodwa kuya kwenza yonke into ibe nzima kuwe; uyakufumanisa kunzima ukuhlengahlengisa ebomini bakho emva koqhawulo-mtshato uwedwa. Kungenxa yoko le nto kubalulekile ukuba ubeke unyawo lwasekunene ngezi ngcebiso malunga nendlela yokucwangcisa uqhawulo-mtshato.
Ucwangcisa njani umtshato; iingcebiso
1. Qesha ingcali
Endaweni yokuzama ukusombulula yonke into ngokwakho kungcono ushiye iiasethi zakho ezandleni zegqwetha eliqeqeshiweyo eliyaziyo into abayenzayo.
Igqwetha liza kuqinisekisa ukuba nasiphi na isivumelwano enigqibe kuso sinomdla kubo bobabini ngokusemthethweni nangokwezimali.
Ngokufanayo, kubalulekile ukuba uqeshe i-therapist eya kukunceda uhlale ulawula iimvakalelo zakho. Akukho mfihlo yokuba uqhawulo-mtshato lunokubiza kakhulu kodwa ukuqinisekisa ukuba unokonwaba kunye nokukhuseleka ixesha elide kufuneka uchithe imali yakho uqesha ingcali.
2. I-inshurensi yoPhando
Usenokuba ubukhe wanohlobo oluthile lweinshurensi yobomi ngaphambi komtshato.
Nangona kunjalo, oku kuya kufuneka kutshintshe. Olu tshintsho lubalulekile kuba ngoku indlalifa yakho ayizukuba liqabane lakho kodwa iya kuba ngabantwana bakho. Kuya kufuneka ucinge ngendlela onokubakhathalela ngayo abantwana bakho kunye nesiqu sakho xa kunokwenzeka ukuba umntu owutshate naye asweleke, kwaye awunayo imali eyoneleyo yokuhlawula kunye nokuxhasa iindleko zakho.
3. Lawula amatyala akho
Ukuba unayo nayiphi na ingxelo edibeneyo yekhadi letyala, iiakhawunti zebhanki okanye iimali mboleko ezidibeneyo, qiniseka ukuba uyaphinda uzinike igama okanye ucime ezi akhawunti ngokupheleleyo.
Oku kulungiswa kubalulekile njengoko liqabane elinoxanduva kuphela elinoxanduva lokuhlawula kunye nokubambisa.
4. Yinyamekele kakuhle indlu yakho
Phambi kokugqitywa koqhawulo-mtshato sebenzisa imali ekufuneka uyihlawule yokulungisa kunye nokugcina izinto ezijikeleze umzi wonke.
Ukuba uthatha isigqibo sokuyithengisa indlu yakho, kubalulekile ukuba wenze ngaphambi kokuba uqhawulo-mtshato lwakho luqukunjelwe ukuze indleko yokuthengisa ibe luxanduva oludibeneyo endaweni yomthwalo kumntu omnye.
5. Lwela oko ukufaneleyo
Nokuba ucinga ukuba ungalunga kangakanani uqhawulo-mtshato, sukubuya umva de ufumane oko ukutyalayo.
Umzekelo, eCarlifonia, uvunyelwe kwi-50% ye-asethi. Inokukuhenda ngokwenene ukuba unikezele kwaye ubuye umva ukuze uphumelele kuqhawulo mtshato kodwa kuyacetyiswa ukuba ukhusele ikamva lakho lezemali.
Jonga kwakhona: 7 Izizathu eziqhelekileyo zokuqhawula umtshato
6. Phinda ubhale amaxwebhu amafa akho
Phambi kokutshintsha umyolelo wakho okanye iitrasti qinisekisa ukuba uhlala phantsi uthethe negqwetha lakho. Sebenzisa eli xesha kunye nendawo ukucwangcisa iirhafu zakho ukuze zinciphise ikamva lakho.
7. Dlulisela imali ngokukhawuleza kangangoko unakho
Nje ukuba wena neqabane lakho nigqibe ngesixa semali, niyakufumana kumhlala-phantsi weqabane lakho.
Qiniseka ukuba uyawenza umsebenzi wakho wamaphepha kwangoko kunye notshintsho lwakho.
Kwimeko apho iqabane lakho liyasweleka phambi kokuba kugqitywe ukwenziwa amaphepha uyakuphulukana nemali.
8. Qalisa ukugcina imali
Nje ukuba uqhawule umtshato umhlala-phantsi wakho uza kuncitshiswa, ngoko ke kubalulekile ukuba uqale ngokugcina imali yakho inyanga nenyanga ukubuyisa imali ophulukene nayo.
9. Beka imali yakho ecaleni kwirhafu
Isondlo sakho siya kurhafiswa ke qiniseka ukuba ubeka imali yakho ecaleni kwaye uhlawule irhafu yakho rhoqo ngenyanga.
Unokucela umqeshi wakho ukuba abambe imali kwitshekhi yakho yenyanga ukuze ungaphinde wenze intlawulo yekota. Kwakhona, gcinani engqondweni ukuba ukuba wenza intlawulo yesondlo onokuthi ubange ukuxolelwa kwi- $ 2,500 nganye.
Uqhawulo-mtshato lixesha elinzima kakhulu kwizibini kwaye njengoko besahlukana kufuneka bagxile kwikamva labo nakwimpilo-ntle yabo. Ngala manqaku akhankanywe apha ngasentla, uya kuba nakho ukucwangcisa uqhawulo mtshato olufanelekileyo kwaye unakekele abantwana bakho kunye nawe. Endaweni yokuvumela iimvakalelo zithathe umthwalo wazo ukuzama ukucwangcisa ngobuchule kunye nokwenza izigqibo ngobuchule.