Umxholo
- 1. Ukuchonga zonke ii-asethi kunye nokucacisa into eyakho
- 2. Ukukhusela idatha yakho ngokufumana zonke iingxelo zemali
- 3. Ezinye ii-asethi ezingamanzi kufuneka zikhuseleke
- 4. Utyalomali oluhlangeneyo kunye neeakhawunti zebhanki
- 5. Ukukhusela imeyile yakho
- 6. Ukufumana ingxelo yakho yekhredithi
- 7. Ukwazi imithetho yakho yoqhawulo mtshato
Ngaba ungomnye wabo bathe ngelishwa bangena kwisitrato sendlela enye esikhokelela kuqhawulo mtshato? Ukuba kunjalo, endaweni yokuya kuphazamiseka ngokweemvakalelo, olona khetho kukuqonda kunye nokulawula owona mfanekiso mkhulu. Endaweni ye-hysterics, elona nyathelo lilungileyo kukucwangcisa kwangaphambili kwemali eza kuqinisekisa ukukhusela ikamva lakho nelabantwana bakho.
Kuya kufuneka uye kwangoko kwisenzo ukhusele iiasethi zakho zemali, jonga iimali mboleko ezingezizo uxanduva lwakho kwaye ufumane ulawulo lobuqu kuyo yonke imicimbi yemali ebanjwe ngokudibeneyo nguwe neqabane lakho.
Ukucwangciswa kwemali ngaphambi kokuqhawula umtshato, ayizukuba sisixhobo sokhuselo kuphela kodwa iya kuba ngumyalezo oqinileyo kwiqabane lakho obonisa ukusilela kwalo naluphi na uhanahaniso lwemali nolunya.
Ke, amanyathelo aqinisekileyo ekufuneka umntu ewathathile ukukhusela iqonga lezemali elomeleleyo ngaphambi koqhawulo-mtshato olusondeleyo ngala alandelayo-
1. Ukuchonga zonke ii-asethi kunye nokucacisa into eyakho
Okokuqala, kuya kufuneka uyazi ukuba yeyiphi na impahla esegameni lakho kwaye ingakanani imali eyeyakho kuphela. Kwakhona, kuya kufuneka uyazi ngokuthe ngqo ukuba yeyiphi imali kunye neeasethi zakho.
Kuya kufuneka ufumane iingxelo ezisemthethweni zokuqinisekisa ibango lakho kwezi asethi kunye nemali. Ezi ngxelo ziya kucacisa ukuba unawo nawaphi na amatyala, imali mboleko okanye imali mboleko egameni lakho.
Amaxwebhu ezemali afanelekileyo aya kuba bubungqina kwinkundla yomthetho obuya kuqinisekisa ukuba ufumana isabelo sakho esisemthethweni kwaye awukhohliswa liqabane lakho.
2. Ukukhusela idatha yakho ngokufumana zonke iingxelo zemali
Ukufumana ukhuseleko oluqinisekileyo, fumana yonke into ebhaliweyo. Bonke ubungqina bamaxwebhu malunga neeakhawunti zakho zebhanki, iifom zerhafu, naziphi na iingxelo zefemali yomrhwebi okanye naziphi na ezinye iingxelo zemali, zonke kufuneka zibe nawe kwifomu ebhaliweyo.
Ungaze uthembele kwiikopi zekhompyuter zala maxwebhu sele ekhankanyiwe kuba zingenakufikeleleka kuwe liqabane lakho ngokutshintsha nje igama eligqithisiweyo liqabane lakho elinempindezelo. Ke, fumana ushicilelo kuwo onke amaxwebhu.
3. Ezinye ii-asethi ezingamanzi kufuneka zikhuseleke
Uqhawulo-mtshato ludla ixesha kwaye yinto ebizayo. Qiniseka ukuba unemali eyaneleyo engamanzi nawe eza kukuxhasa ngeli xesha. Umrhumo wegqwetha, iindleko zakho zemihla ngemihla zokuphila, kunye namatyala, zonke zifuna imali elungele ukufumaneka.
Ke, ukuze uqiniseke ukuba awushiywanga ngaphandle kwemali nomlingane wakho omncinci, hambisa iiasethi ezithile kunye nemali kwiakhawunti yakho yebhanki ngaphambi kokuba uqhubeke noqhawulo mtshato.
Esi silumkiso silula sinokunika uxanduva olukhulu kuwo onke amatyala ezemali aya kuthi aqhotyoshelwe kwinkqubo yoqhawulo-mtshato kwaye akuncede uhambe ngolwandle ngala maxesha anzima.
4. Utyalomali oluhlangeneyo kunye neeakhawunti zebhanki
Uninzi lwezibini ezitshatileyo zineeakhawunti ezidibeneyo apho amaqabane anokukhupha imali kwiakhawunti. Kodwa ngoqhawulo-mtshato oluzayo olukuleleyo, inyathelo elinengqiqo lokuvala zonke iiakhawunti ezidibeneyo kwaye uhambise imali yakho kwiakhawunti yakho ngaphambi kokuba iqabane lakho licoce yonke iakhawunti.
Kodwa ngokwenza njalo, kusondele ukuba iqabane lakho likudalele iingxaki zomthetho njengokuthintela iiakhawunti okanye ukungasayini ifom yokuvala iakhawunti ukuze kungabikho mali ingadluliselwa okanye irhoxiswe nguwe.
Ke, xa uqhubeka ngokuvala utyalo-mali ngokudibeneyo kunye neeakhawunti, qhubeka phantsi kwesikhokelo segqwetha lakho ukuqinisekisa ukhuseleko lomthetho kwisenzo sakho.
5. Ukukhusela imeyile yakho
Izibini ezitshatileyo zihlala zinedilesi edibeneyo, apho onke amaxwebhu asemthethweni athunyelwa khona. Kodwa ukuba umtshato usongelwa ngoqhawulo-mtshato, kuya kufuneka uqale kwangoko uzenzele eyakho imali.
Ukugcina imfihlo yakho yeyona nto iphambili. Kuya kufuneka ufumane eyakho iposi, usete eyakho iBhokisi yePHO kwaye uyiguqulele kuyo yonke imeyile ukuze ugcine imfihlo ethembekileyo. Sukulinda unike iqabane lakho ithuba lokuvimba zonke iiasethi zakho zemali kunye nemali.
6. Ukufumana ingxelo yakho yekhredithi
Soloko ufumana ingxelo yakho yamatyala ngaphambi kokuba ucinge ngokuqala kwenkqubo yoqhawulo mtshato. Unokumangaliswa ukuba iqabane lakho lingalonyusa phi ityala lakhe, kodwa lihlazo.
Njengomtshato unemizamo emininzi edityanelweyo, ityala elonakeleyo leqabane lakho liya kukuchaphazela ukuthembeka kwakho. Ke, ukunqanda naziphi na iingxaki okanye iimpazamo ngokubhekisele kutyalomali lwakho lwemali, kubalulekile ukuba ufumane ingxelo ngetyala lakho, ulungise naziphi na iingxaki emva koko uqale ubomi bakho obutsha bezemali.
7. Ukwazi imithetho yakho yoqhawulo mtshato
Yiba neliso elibukhali, njengoko imithetho yoqhawulo-mtshato yahluka ngokwamazwe. Qesha igqwetha elilungileyo eliza kukukhokela kwiinkqubo zoqhawulo mtshato ezilawula ilizwe ohlala kulo.
Uqhawulo-mtshato ngamava abuhlungu kodwa alunakuhanjiswa kwiimvakalelo zakho. Ukwakha ubomi obukhuselekileyo, obuzinzileyo ngokwezezimali emva koqhawulo-mtshato, siwabalile la manyathelo sele ekhankanyiwe esithemba ukuba aya kuqinisekisa ikamva elikhuselekileyo wena nabantwana bakho, emva kokudlula kwinkqubo enzima yoqhawulo-mtshato.