Umxholo
- 1. Sebenza ngobuchule namaxwebhu
- 2. Gcina inkcitho
- 3. Gcina izinto zakho zexabiso
- 4. Fumana iingcebiso zezemali ezifanelekileyo
- 5. Khumbula kakuhle
Uyilungiselela njani imali uqhawulo-mtshato? Ngaba wakhe wawunika lo mbuzo nzulu kwiintsuku zakho zovuyo?
Ngokucacileyo hayi! Akukho mntu uphilileyo ngekhe acinge ngendlela yokulungiselela uqhawulo mtshato ngelixa, enyanisweni, besebenza ekwakheni ubudlelwane babo.
Xa utshata, uqala uhambo lwakho uziva unaphakade engqondweni yakho. Akukho mntu unokulungiselela kwangaphambili uqhawulo-mtshato kwaye uzilungiselele kwangaphambili.
Ngamanye amaxesha, akukho lixa lilungileyo lokufumana iingcebiso kunye nezilingo ezaneleyo kwizibini ukuba zingakhethi kuqhawulo mtshato. Kwaye, ukwahlukana akunakuphepheka.
Ke, ngelishwa, xa umtshato uphantsi, abantu bashiyeka bekhathazekile, bengenalo nofifi malunga nendlela yokujongana nezinto kunye nokuba yintoni ekufuneka yenziwe. Uqhawulo-mtshato kunye nezemali zenza indibaniselwano enzima!
Yonke le nkqubo iza nemizabalazo emininzi yezemali kunye neemvakalelo. Ukuhlala uqinile ngeli xesha kubonakala kungumsebenzi onzima.
Ngaphezulu kohlaselo lweemvakalelo, ukwabiwa kwemali kuya kuba ngumsebenzi onzima. Kungcono wenze amatyala ambalwa ngaphambi kokuthintela ukungahambi kakuhle kwimizuzu yokugqibela.
Isizathu soqhawulo mtshato luhlukile kolunye. Ke ngoko, sicebisa ukuba ujonge ubuchwephesha ngokunjalo.
Kodwa, umbuzo ngowokuba ungayilungiselela njani imali uqhawulo-mtshato? Kukho amanyathelo ekufuneka uthabathe xa ulungiselela ukuqhawula umtshato kunye nokulungisa imali yakho.
Iingcebiso zoqhawulo mtshato ezinikwe kweli nqaku zinokukunceda ekulungiseleleni uqhawulo-mtshato kwaye wenze uluhlu lwakho lwezemali lokujonga umtshato.
1. Sebenza ngobuchule namaxwebhu
Xa usazi ukuba uqhawulo-mtshato alunakupheliswa, umbuzo wokuqala oza kuvela uthi- ndingayikhusela njani imali yam kuqhawulo mtshato? Ucwangcisa njani umtshato?
Isisombululo sokulungiselela ukuqhawula umtshato siza ngeendlela ezimbini. Nokuba uhamba nokuhamba kwenqanaba lokudakumba, okanye ujongana nayo ngee nyani ezichanekileyo kunye namaqhinga.
Qokelela onke amaxwebhu emali, okanye mhlawumbi amanye awo ukungqina ubunyani bemeko yezemali yomtshato wakho.
Inkqubo yokuqokelela kunye noluhlu olufutshane inokuba yindinisa, ke qala kwangoko kwaye ngenyameko. Ukuba wabelana ngeakhawunti, zive unamandla okuqhubeka nezicelo.
Ungaqokelela ii-ledger kwimali mboleko, ujonge kwaye ugcine iingxelo, iingxelo zotyalo-mali, ukubhatala kwamva nje, kunye nekhadi letyala okanye iingxelo zerhafu yengeniso.
Uluhlu lokutshekisha oluza kubonelelwa liziko malufundwe ngokucokisekileyo kuze kusetyenzwe ngalo.
2. Gcina inkcitho
Ngaba usebenzile ngengcinga yendlela yokulungiselela uqhawulo-mtshato ngokwezezimali?
Qalisa ukulandelela iindleko zakho kwakamsinya nje emva kokuba uqinisekiso luqhubekile, okanye ukuba ucwangcisa uqhawulo mtshato ngasese.
Khangela ezangoku kunye neendleko zexesha elizayo. Oku kuyakuthatha isigqibo sokuhanjiswa kweasethi ngumthetho kunye nohlahlo-lwabiwo mali olufanelekileyo.
Sukubandakanya kuphela iimfuno, kubandakanya neyona nto incinci ewela ingqondo yakho xa ucinga ngeendleko. Gcina irekhodi lamatyala kunye nezinto ezihlawulwayo ixesha elide ngaphambi kokuba uqinisekise ukuqhawula umtshato.
Ukucwangciswa kwemali yoqhawulo mtshato kufuneka kwenziwe ngolumkiso nangona ujongene nengxaki yomoya, kunye nokudinwa ngokwasemzimbeni nangokwasengqondweni.
3. Gcina izinto zakho zexabiso
Ukuba ufuna ukujongana neenkxalabo zakho ezinje ‘ngendlela yokuzilungiselela ngokwasemalini ukuqhawula umtshato,’ kufuneka ugcine izinto zakho, nokuba inkqubo yoqhawulo-mtshato ithatha umthwalo onzima kangakanani kuwe
Ngalo lonke ixesha khumbula- yonke le nto ikuphazamisa, yonga, sukuchitha.
Ewe kunjalo, kuya kufuneka ufune umcebisi ofanelekileyo wezezimali woqhawulo mtshato. Kodwa, ngokungxama kokufumana ubungqina obulungileyo kunye nenkxaso kwinxalenye yakho, musa ukufumba amatyala egqwetha kunye negqwetha.
Zama ukudibanisa ukonga kwi-equity. Lumka kakhulu malunga nemali-mboleko, amatyala, kunye namatyala onawo okanye ezayo.
4. Fumana iingcebiso zezemali ezifanelekileyo
Nantsi ingcebiso ebaluleke ngakumbi malunga nendlela yokulungiselela uqhawulo mtshato ngokwezezimali.
Kukho ithuba lokuba iqabane lakho lingumphathi wezemali wendlu. Kule meko yemeko, ngelixa ucwangcisa uqhawulo-mtshato, jonga iinyani kunye namanani kakuhle.
Nokuba awulindelanga nakuphi na ukungavisisani, uqhawulo-mtshato luzisa ubunzima bezezimali.
Fumana umcebisi wezezimali kwaye wazi isidingo solo ncedo. Musa ukuphela wedwa kwaye ulahlekile kule nkqubo.
Uncedo olufanelekileyo luya kugqiba zonke iziphumo.
5. Khumbula kakuhle
Ukuba ingcinga malunga 'nendlela yokulungiselela uqhawulo mtshato' isakusinda, Nazi ezinye iingcebiso zokuzikhathaza.
Ukukhumbula ukuba neziqinisekiso kunokuba nzima ngokwenene kumzuzu wokugqibela. Nokuba yimoto yakho okanye yimali mboleko, ngobuqili baqwalasele iziqinisekiso kwaye benze izigqibo zobulumko malunga nazo.
Khangela indlalifa kunye neenkqubo zeinshurensi zeeasethi zakho. Xa uqokelela onke amaphepha, yenza iikopi ukuze ungalahleki nanye kuzo.
Jonga kwakhona:
Ukusonga phezulu
Ngelixa ezinye iziphumo zizakuxhasa, ezinye azizukuyenza. Yenza uphando kunye namaphepha akho kakuhle ukuze ungazisoli ngayo nayiphi na into.
Ukuba abantwana bakho bayabandakanyeka, yongeza iimfuno zabo, iimali kunye neinshurensi kwingxelo yezemali yokugqibela. Nasiphi na isigqibo oza kusithatha ngokungxama siya kukhokelela kwiziphelo ezingalunganga.
Zama ukuba yingqiqo kulo mbandela, kwaye kangangoko uzama ukukrunqa kude neengqekembe zemali, ulunge kwaye uthe ngqo. Yile ndlela ulungiselela ngayo uqhawulo-mtshato ngokwezezimali!
Ukutshata kwakhona kulindelekile. Kodwa, ungavumeli ukubawa kukuthathe kwaye wenze isithuba esingenakuze sigcwaliswe kwakhona.
Siyathemba ukuba le ngcebiso malunga 'nendlela yokulungiselela uqhawulo mtshato' iyakunceda ulawule iimali zakho zoqhawulo mtshato ngexesha, kwaye ndikulungiselele ixesha lokuvavanya elizayo.