Umxholo
- 1. Ufumana iphepha lekhadi letyala kwiakhawunti ongayazi
- 2. Igama lakho lisusiwe kwiakhawunti edibeneyo
- 3. Iqabane lakho liba nexhala kakhulu ngokuqokelela iposi
- 4. Iqabane lakho linempahla entsha
- 5. Imali oyigcinileyo okanye oyitshekileyo iya kulahleka
- 6. Iqabane lakho liba nemvakalelo enkulu xa ufuna ukuxoxa ngemali
- 7. Iqabane lakho lixoka ngendleko
- 8. Iqabane lakho libonakala linomdla kakhulu kwimali nakuqingqo-mali
- Sijongana njani nayo?
- Ukuxelwa ngokupheleleyo
- Yenza ukuzibophelela kutshintsho
Rhoqo ukungathembeki kwemali kunokuba luphawu lwemicimbi enzulu emtshatweni. Inokuba neengcambu kwiimvakalelo zokungazithembi kunye nemfuno yokukhusela okanye yokulawula.
Ukungathembeki kwezezimali kunokuchazwa njengokuqonda okanye ngabom kwiqabane lakho malunga nemali, ityala kunye / okanye ityala. Ayilibali ngamanye amaxesha ukurekhoda itsheki okanye intengiselwano yamakhadi etyala. Yimeko xa elinye iqabane lifihla imfihlo enxulumene nemali kwelinye. Ngokwe-National Endowment for Financial Education, ababini kwabahlanu baseMelika benze ukungathembeki kwemali.
Ngamanye amaxesha, ukungathembeki kwezezimali bekuqhubeka iminyaka kwaye kungabonwa kwaye kwezinye iimeko, iqabane lisenokukrokrela ukuba kuyenzeka kodwa lisebenzise ukuqonda okanye ukwala kuba banengxaki yokukholelwa ukuba lowo bamthandayo uya kuba yinkohliso.
Oku kuyinyani ngokukodwa ngexesha le "Inqanaba lamaRoma," elixesha lokuqala lomtshato xa izibini zithande ukunxiba iiglasi ezinemibala evulekileyo kwaye zifuna ukubona ezona zilungileyo komnye nomnye kwaye zingazihoyi iimpazamo okanye iziphene kubuntu beqabane lazo.
Iiflegi ezi-8 eziBomvu zokungathembeki kwezeMali
1. Ufumana iphepha lekhadi letyala kwiakhawunti ongayazi
Inkcitho ifihliwe okanye yagcinwa iyimfihlo kuwe kwaye ihlala inebhalansi ebalulekileyo. Ekugqibeleni, iqabane lakho linokuzama ukufumana ulawulo kwiiakhawunti kunye neepassword.
2. Igama lakho lisusiwe kwiakhawunti edibeneyo
Ngokuqinisekileyo awufumani malunga nale nto kwangoko kwaye iqabane lakho mhlawumbi linenkcazo efanelekileyo yokufihla ezona zizathu zokwenza le ntshukumo ngaphandle kokukuxelela.
3. Iqabane lakho liba nexhala kakhulu ngokuqokelela iposi
Banokude bashiye umsebenzi kwangethuba ukuze baqiniseke ukuba bayazithatha iiposi phambi kokuba uzenze.
4. Iqabane lakho linempahla entsha
Iqabane lakho linempahla entsha abazama ukuyifihla kuwe kwaye xa ubuza umbuzo malunga nabo, babonakala bexakeke kakhulu ukuba bangathetha okanye batshintshe isihloko.
5. Imali oyigcinileyo okanye oyitshekileyo iya kulahleka
Iqabane lakho alinayo inkcazo efanelekileyo yoku kwaye bayayixubha njengempazamo yebhanki okanye ukunciphisa ilahleko.
6. Iqabane lakho liba nemvakalelo enkulu xa ufuna ukuxoxa ngemali
Basenokungxola, bakutyhole ngokungakhathali, kunye / okanye baqale ukukhala xa usenza imali.
7. Iqabane lakho lixoka ngendleko
Basebenzisa ukukhanyela nokwala ukuvuma ukuba banengxaki okanye benza izizathu.
8. Iqabane lakho libonakala linomdla kakhulu kwimali nakuqingqo-mali
Ngelixa oku kunokuba yinto elungileyo, ekuhambeni kwexesha, isenokuba luphawu lokuba bayakhohlisa, bavumelanisa imali kwiakhawunti eyimfihlo, okanye banengxaki yokusebenzisa imali efihliweyo.
Xa isibini sinonxibelelwano olubi malunga nemicimbi yemali, oko kunokonakalisa ulwalamano lwabo kuba kunciphisa ukuthembana nokusondelelana. Njengezibini ezininzi, uShana noJason, kwiminyaka yabo yokuqala engamashumi amane, babengafane bathethe ngeengxaki zabo kwaye uShana waziva engakhuselekanga emtshatweni wabo, ke ngoko kwakulula kuye ukuba azive enelungelo lokugcina imali kwiakhawunti eyimfihlo.
Batshatile ngaphezulu kweshumi leminyaka kwaye bekhulisa abantwana ababini, babesele behlukanisile kwaye into yokugqibela ababefuna ukuthetha ngayo ukuphela kosuku olude yayizemali.
UJason ukubeka ngolu hlobo: “Xa ndafumanisa ukuba uShana unebhanki eyimfihlo, ndaziva ndingcatshiwe. Kwakukho amaxesha apho sasinengxaki yokuhlawula iindleko zenyanga kwaye lonke ixesha wayefaka isixa esikhulu sentlawulo yakhe kwiakhawunti eyayingenalo igama lam kuyo. Ekugqibeleni wavuma ukuba owayesakuba ngumyeni wakhe wayeyikhuphile imali yabo ngaphambi kokuba ahlukane kodwa ndayeka ukumthemba. ”
Sijongana njani nayo?
Inyathelo lokuqala lokujongana nokungathembeki kwemali kukuvuma ukuba kukho ingxaki kunye nokuzimisela ukuba sesichengeni kwaye uvule malunga nemicimbi.
Bobabini abantu kubudlelwane kufuneka bathembeke kwiimpazamo zabo zezezimali ngoku nakwixesha elidlulileyo, ukuze bakwazi ukulungisa umonakalo owenziwe.
Oko kuthetha ukukhupha ingxelo, irisithi yekhadi letyala, ityala, ikhadi lokuthenga ngetyala, ukujonga okanye ukugcina ingxelo, okanye nayiphi na imali-mboleko, okanye obunye ubungqina benkcitho.
Okulandelayo, omabini amaqabane kufuneka azibophelele ekusebenzeni ngemicimbi kunye. Umntu oye wangcatshwa ufuna ixesha lokuziqhelanisa neenkcukacha zokwaphula ukuthembana kwaye oku akwenzeki ngephanyazo.
Ukuxelwa ngokupheleleyo
Ngokweengcali, ngaphandle kokuxela ngokupheleleyo, uya kungena kwiingxaki kubudlelwane bakho oko kuya kukhokelela ekwehleni kwamanqanaba okuthembana kubudlelwane bakho nemali.
Umntu ongumenzi wobugqwetha kwezemali kufuneka abonakale ekuhleni kwaye akulungele ukwenza isithembiso sokuphelisa isimilo esonakalisayo. Kuya kufuneka bakulungele ukutshintsha imikhwa yabo yemihla ngemihla yokuchitha kunye / okanye yokufihla imali, yokubolekisa ngemali kwabanye, okanye kwanokungcakaza.
Amaqabane kufuneka abelane ngeenkcukacha malunga nemali yabo yangaphambili neyangoku.
Gcina ukhumbule ukuba uya kuxoxa ngeemvakalelo kunye namanani.
Ngokomzekelo, uJason wathi kuShana, “Ndaba buhlungu kakhulu ndakufumanisa ngeakhawunti yakho eyimfihlo.” Ukuze wakhe ukuthembana, kuya kufuneka wabelane ngeenkcukacha malunga namatyala akho angaphambili kunye nekhoyo ngoku, kunye nemikhwa yokuchitha.
Yenza ukuzibophelela kutshintsho
Ukuba ungumntu onoxanduva lokungathembeki kwezemali, kufuneka uthembise ukuba uyeke ukwenza ingxaki eyingxaki kwaye unike iqabane lakho isiqinisekiso sokuba uzimisele ukutshintsha. Kuya kufuneka uyenze le nto ngokubonisa ibhanki kunye / okanye ingxelo yecredit card. Kubalulekile ukuba uzibophelele ekwenzeni nantoni na eyimfuneko ukwakha ukuthembana neqabane lakho kunye nokususa amatyala, ukufihla, kunye / okanye iindlela zokuchitha ezichaphazela naziphi na iingxaki zemali.
Abantu abatshatileyo bahlala bejongele phantsi imiceli mngeni yomtshato kwaye bathenge kwiintsomi zokuba uthando luya koyisa konke kwaye kuthintele ukuthetha ngezemali kuba kuvusa ungquzulwano. Iziganeko ezibalulekileyo emtshatweni njengokuthenga ikhaya elitsha, ukuqala umsebenzi omtsha, okanye ukongeza umntwana omnye okanye nangaphezulu kusapho kunokubangela uxinzelelo malunga nemali.
Ukuba izibini azikhange zisebenze ngemicimbi yokuthembana kwinqanaba lokuqala lomtshato, banokuba nobunzima ekuvulekeni malunga nemali.
Cinga iiseshoni zokucebisa njengabantu abatshatileyo ukufumana inkxaso kunye nengxelo yeqela elingathathi hlangothi ukuba unamathambo amaninzi kwigunjana lakho kwaye wena okanye iqabane lakho ninobunzima ekuvulekeni malunga nemali.
Ngexesha kunye nomonde, uya kuba nakho ukufumanisa uloyiko kunye neenkxalabo malunga nemali neqabane lakho. Khumbula ukuba akukho ndlela “ilungileyo” okanye “engalunganga” yokujongana nezemali kwaye licebo elilungileyo ukugxila ekuphulaphuleni kwaye unike iqabane lakho inzuzo yokuthandabuza. Iimvakalelo azikho "zilungile" okanye "zimbi," ziimvakalelo zokwenyani ekufuneka zichongiwe, zilungiswe, kwaye kwabelwane ngazo ngokukuko ukuze babe nokucinga ukuba "sikule nto inye" kwaye sifezekise uthando oluhlala ixesha elide.