Umxholo
- 1. Zithini iinjongo zenu njengesibini?
- 2. Uyabonakala njani xa kufikwa kumba wokuthetha ngemali?
- Yiyiphi imigaqo esisiseko?
- 4. Izahlula njani iindleko ekwabelwana ngazo?
- 5. Ngaba unazo iindlela zokubhankisha ezifanayo?
Uthathe inyathelo elikhulu lokuhamba ezantsi kwaye uvele wabuya kuloo honeymoon intle kangaka. Emva kovuyo lwasemva komtshato lokuhombisa indawo yakho ngezipho zobhaliso (kunye nokugqiba onke loo manqaku enkosi!), Kuya kufuneka uqale ucinge ngelinye lawona macala asebenzayo omtshato - iimali zakho. Mhlawumbi ufuna ukugcina kude ugqibe ngaphaya kokurenta kwaye ungene kwikhaya lakho lokuqala, okanye ucinge ngokuqala usapho, kwaye ukubenza ngolungelelwano kunokubanceda bafike apho. Umbuzo omnye obalulekileyo kwisibini ngasinye ekufuneka usibuze kukuba ngaba kufuneka uvule i-akhawunti yokujonga ngokudibeneyo okanye uyigcine yahlukile.
Nazi iingcebiso ezintlanu apha ngezantsi zokujonga xa usenza isigqibo sokuba ingaba kukuhamba ngokufanelekileyo na.
1. Zithini iinjongo zenu njengesibini?
Inxalenye enkulu yokutshata yindlela oceba ukuyiphatha ngayo imali njengeqela. Nokuba kugcinelwa ukuthenga ikhaya, ukukhulisa usapho, okanye ukusebenza kancinci ukwenza iiprojekthi ozithandayo, ukuthatha ixesha lokuhlala phantsi kwaye uthethe ngobomi ocinga ukuba omnye nomnye ngoyena ndoqo wokudibanisa imali yakho kunye amaxabiso owabelana ngawo kunye neenjongo zexesha elide.
Nangona oku kungasebenzi kuwo wonke umntu, ukuba nomntu omnye kubudlelwane abe noxanduva kwimicimbi yemali enje ngokuqinisekisa ukuba amatyala ayanyanyekelwa, iiakhawunti zomhlala phantsi ziyaxhaswa, kwaye iinjongo zemali ziyahamba, zinokunceda. Qiniseka nje ukuba indima yomntu ochongiweyo ukuba abeke esweni iiakhawunti zakho ichazwe ngokucacileyo.
2. Uyabonakala njani xa kufikwa kumba wokuthetha ngemali?
Ukuba ukufumanisa kunzima ukuthetha ngemali neqabane lakho, awuwedwa. Ukuthetha ngezemali sisifundo esichukumisayo kwabaninzi. IRoma ayizange yakhiwa ngosuku, ke qala kancinci kwaye ngokuthe ngcembe uyihlakulele loo ntembeko. Kuphela kusemva kokuba wakhe loo ntembelo apho unokuthi uthethe ngokungagungqiyo kwaye ngokusuka entliziyweni malunga nemali.
Yiyiphi imigaqo esisiseko?
Ukuba uyayivula iakhawunti ngokudibeneyo, ukumisela imigaqo-siseko kuya kuqinisekisa ukuba wena neqabane lakho nikwiphepha elinye xa kufikwa kumba wenkcitho. Eminye imigaqo inokungena komnye umntu kuthengiso olukhethekileyo olungaphezulu kwesixa se-X, okanye ukuba umntu ngamnye unoxanduva lokuhlawula ityala lakhe.
Ukuba elinye iqabane kubudlelwane bakho lingumondli ngelixa elinye lixakekile esikolweni okanye lithanda ukhathalelo lwabantwana, jonga ukuba oyena mntu ufumana imali uyifumana na inkcitho eyongezelelweyo, okanye ingaba umvuzo owalahlwayo kwabelwana ngawo ngokulinganayo. Ukuxoxa izinto kwangaphambili kuya kuthintela ukungqubana emgceni.
4. Izahlula njani iindleko ekwabelwana ngazo?
Ukuba wena neqabane lakho ninemivuzo engalinganiyo, ngaba inkcitho ekwabelwana ngayo iza kwahlulwa phakathi? Ukuba akunjalo, iqabane ngalinye linoxanduva olungakanani? Olunye ulungelelwaniso olunokwenzeka kukuba iqabane ngalinye linikela ngepesenti kwinkcitho ekwabelwana ngayo elingana nepesenti yengeniso abayingenisayo. Umzekelo, ukuba unikela ngepesenti ezingama-40 kwimali iyonke njenge sibini, uya kuba noxanduva lokuhlawula iipesenti ezingama-40 yenkcitho yenu ekwabelwana ngayo, ngelixa iqabane lakho likhupha ama-60 epesenti aseleyo.
Into onokuyenza ukuvavanya amanzi kukuvula iakhawunti ngokudibeneyo ngelixa ugcina iiakhawunti zakho ezahlukeneyo ngaxeshanye. Iakhawunti edibeneyo inokusetyenziswa njengechibi lokuhlawulela iindleko zokuhlala ezinje ngezindlu, izinto ezisetyenziswayo kunye nokutya, okanye inokusetyenziselwa ukuxhasa ngemali injongo ekwabelwana ngayo, njengeholide yokuphupha okanye ukubeka intlawulo ekhaya.
5. Ngaba unazo iindlela zokubhankisha ezifanayo?
Ngelixa iakhawunti ekwabelwana ngayo yebhanki ihambisa imali yakho kwaye yenza kube lula ukugcina umkhondo, qiniseka ukuba ilungile kuzo zombini iindlela zakho zebhanki. Umzekelo, omnye wenu unokukhetha iinkonzo zeziko lezezimali elisekwe kwiwebhu, ngelixa elinye lifuna ukufikelela kwisebe elibonakalayo, ke ukudibanisa iimali zakho akunangqondo kuba imali yakho ivela kwiindawo ezahlukeneyo.
Ukuba ukubhenka ngeselula kungaphezulu kwento yakho kwaye iqabane lakho "yima uthethe nomntu" uhlobo lomntu, emva koko uchithe ixesha ujonge ukhetho lwakho olwahlukileyo ukuze ubone ukuba yeyiphi jives elungileyo kwiindlela zakho zebhanki. Omnye umahluko inokuba elinye iqabane liyathanda ukusebenzisa imali ngelixa elinye likhetha ukuhlawula ngokwamanani. Ukuba unemibuzo, thetha necandelo lakho lemanyano yamatyala ukuze ufunde ngakumbi malunga nezinto onokukhetha kuzo, iinkonzo kunye nezixhobo ekufuneka bezinikezele. Oku kunokucacisa izinto kunye nokunceda ekwenzeni esona sigqibo silungileyo kuwe nakwiqabane lakho.
USamantha Paxson
USamantha Paxson yi-EVP yeMakethi kunye neQhinga kwiiNkonzo zezeMali ze-CO-OP, inkampani yetekhnoloji yezezimali kwimibutho yabasebenzi abangama-3 500 kunye namalungu ayo angama-60 ezigidi.