Umxholo
- 1. Yiba neengxoxo zemali phambi kokuba utshate
- Cwangcisa uhlahlo-lwabiwo mali kwaye ulandele ngokungqongqo
- 3. Isibini ngasinye kufuneka sibe neeakhawunti zebhanki ezahlukeneyo
- 4. Yibani neentlanganiso zosapho
- 5. Makugcinwe kutshekishwa kakuhle iindleko
- 6.Yenza uhlahlo-lwabiwo mali lweziganeko ezizodwa kwangaphambili
- 7. Fumanisa malunga nemikhwa yezemali yamaqela omabini
Imitshato yesibini inokuzisa iseti entsha yemiceli mngeni yezemali, kwaye enye yezona zibaluleke kakhulu kukuqonda indlela yokwahlulahlula imali kusapho oludibeneyo. Ukuba omabini amaqabane avela kubakaki bemivuzo eyahlukeneyo, kunokwenzeka kakhulu ukuba asetyenziselwa ukuphatha imali ngeendlela ezahlukeneyo ngakumbi xa kufikwa kubantwana babo.
Nokuba iintsapho ezidibeneyo zisuka kwimvelaphi efanayo bobabini abazali banokuba nefilosofi ezahlukeneyo malunga nezibonelelo, imisebenzi yasekhaya kunye nesicwangciso sokugcina. Ngapha koko, njengomzali ongenaqabane usenokuba sele uqhele ukwenza izigqibo ngezimali ungakhange ubuze mntu.
Kwaye kukho ithuba lokuba elinye okanye omabini amaqela azise uxanduva lwezezimali kunye namatyala kubo.
1. Yiba neengxoxo zemali phambi kokuba utshate
Kukulungele ukuba abantu abatshatileyo bathethe ngezemali ngaphambi kokuba batshate.
Ungazibandakanya neenkonzo zomcwangcisi wezezimali ukwenza imephu malunga nendlela eziza kuphathwa ngayo izibophelelo kunye namatyala ekungenwe kuwo neqabane langaphambili.
Ngaphandle koko, xoxa ngendlela abaza kukhuselwa ngayo abatshatileyo kunye nabantwana.
Yiyo loo nto xa niza kubandakanyeka kwilungiselelo losapho elixubeneyo ukunxibelelana ngesicwangciso semali kunye neqabane lakho kunceda ekuqinisekiseni ukuba nobabini ukwiphepha elinye kwaye niqinisekile ukuchitha ubomi obuyimpumelelo kunye.
Cwangcisa uhlahlo-lwabiwo mali kwaye ulandele ngokungqongqo
Cwangcisa iindleko zakho ngokubaluleka.
Chonga izinto ezibalulekileyo nepesenti yengeniso yomntu ngamnye eya kuthi iye kwiindleko zekhaya. Qiniseka ukuba ubeka bucala isixa esiqingqiweyo sokonga ngaphambi kokuba ufumane inkcitho.
Izinto eziphambili ngokubaluleka ziya kuba zezi:
- Ubambiso
- Iindleko zemfundo
- I-inshurensi ngokuzenzekelayo kunye nokugcinwa
- Iindleko zomzi ezifana nokutya kunye nezinto ezisetyenziswayo
- Amatyala ezonyango
Yabela ezi ndleko ngokufanelekileyo ngokuthathela ingqalelo umvuzo womntu ngamnye. Qinisekisa ukuba uthatha isigqibo malunga nesibonelelo sabantwana bakho okanye abantwana abaya ekholejini bayisebenzisa njani imali abayinikiweyo.
Enye into ebalulekileyo ekufuneka ingakhathalelwanga kukuba kukho nayiphi na inkxaso-mali yomntwana ekufuneka ihlawulwe okanye ingaba kukho nayiphi na intlawulo yesondlo eqhubekayo. Le micimbi inokubangela uxinzelelo ekhaya ukuba ayixoxwa ngokukhululekileyo.
3. Isibini ngasinye kufuneka sibe neeakhawunti zebhanki ezahlukeneyo
Njengesibini, kuya kufuneka nibe neakhawunti edibeneyo ukuze nobabini nibe nokufikelela kwinkcitho yendlu, ikhefu, njl. Njl.
Ezi akhawunti kufuneka zibe nepesenti ethile yengeniso yakho njengokugcina okanye inkxaso yomntwana ehlawulwe liqabane langaphambili ukugcina imali yahlukile.
4. Yibani neentlanganiso zosapho
Ukudityaniswa kweentsapho ezimbini kuthetha utshintsho kumntu wonke. Ikwathetha ukuba imigaqo yezemali nayo iya kutshintsha. Ngapha koko, njengoko abantwana besiya bekhula kwimali yosapho kunye neendleko ziya kufuna ukuhlaziywa.
Unokuba neentlanganiso zosapho apho ungachazela khona imeko yabantwana kwaye ugcine izinto zingacwangciswanga ukuze abantwana bajonge phambili kwezi ntlanganiso.
5. Makugcinwe kutshekishwa kakuhle iindleko
Nangona kusapho oludibeneyo uya kuthengisa ngemeko yakho yomvuzo womzali omnye ngengeniso yosapho emibini awungekhe uphile ngaphezulu kweendlela onazo. Qiniseka ukuba awuthengi nantoni na ongenakukwazi ukuyithenga.
Kungalinga kakhulu ukuchitha ngaphezulu okanye ukuthatha ityala elitsha emva kokufudukela kwiqela elinengeniso ephezulu kodwa kubalulekile ukukhumbula ukuba iintsapho ezihlanganisiweyo zihlala zifuna inkcitho enkulu.
6.Yenza uhlahlo-lwabiwo mali lweziganeko ezizodwa kwangaphambili
Thatha isigqibo sohlahlo-lwabiwo mali lweholide okanye lwemihla yokuzalwa kwangaphambi kokuba wonke umntu akholelwe ukuba izithethe zabo zeholide zezona zilungileyo. Cwangcisa umda wezipho ngeentsuku zokuzalwa kunye neKrisimesi ukuze uqiniseke ukuba ugcina kuhlahlo-lwabiwo mali.
7. Fumanisa malunga nemikhwa yezemali yamaqela omabini
Izibalo zibonisa ukuba imikhwa eyahlukeneyo kulawulo lwemali kunye nobunzima bezemali ngoyena nobangela woqhawulo mtshato. Ke ngoko, kubalulekile ukuxoxa ngeendlela zemali ngaphambi komtshato.
Ukunxibelelana malunga nemikhwa yenkcitho, iminqweno, kunye nokufumaneka kwemali ngaphambi kokwenza izifungo kunokuthintela izibini ekungeneni kwilahleko yemali kunye nokuxabana malunga nemali.
Yabelana nabanye ngeengxaki zemali ezidlulileyo, ukusilela, inani langoku lamatyala, kunye nenqaku lamatyala.
Xoxa ngokuba ngubani oza kulawula okanye alawule ii-akhawunti zebhanki. Kukwabalulekile ukuthatha isigqibo malunga nezicwangciso zexesha elizayo zeendleko ezinkulu ezinje ngokuthenga indlu, iindleko zemfundo, kunye nokongela umhlala-phantsi.
Xa iintsapho ezimbini zidibene zibe yinye, zininzi izinto ezilawulwa kwaye zilungelelaniswe ngaphandle komtshato kunye namalungiselelo okuhlala. Kukho amathuba okuba omabini amaqabane anezibophelelo zawo zezezimali kwaye anokufuna ukwahlula iindleko ezifanayo.
Uhlahlo-lwabiwo mali olusebenzayo, olulungeleleneyo lunokunceda ukunciphisa uxinzelelo olunxulumene nemali kwaye lwenze kube lula ukulawula iimali.
Ngokunxibelelana nemithetho yemali kunye neqabane lakho kunye nabantwana, uya kuba nemigaqo engqinelanayo echaza ngokufanelekileyo indlela ekufuneka isetyenziswe ngayo imali.