Umxholo
Kubantu abaninzi, iimpembelelo zemali zokutshata zimalunga nomcimbi wokugqibela wokuqwalaselwa xa kuthathwa isigqibo sokubopha iqhina.
Xa uthandana, akunakulindeleka ukuba "ubale iindleko" zomtshato ozayo. Ngaba siya kuba nakho ukuzixhasa? Kuthekani ngeinshurensi, iindleko zonyango, neendleko zekhaya elikhulu?
Ngelixa le mibuzo ibalulekile, asibavumeli ukuba baqhube incoko iyonke. Kodwa kufuneka. Kufuneke si.
Inkqubo ye- Ukulungelwa kwemali kunye neengozi zokutshata kamva ebomini kunokuba kubaluleke kakhulu. Ngelixa kungekho nanye kwezi zinto zilungileyo kunye neengxaki zokutshata abantu abadala "zizinto eziqinisekileyo" okanye "zisebenza ngabaphangi," kufuneka zivavanywe kakuhle kwaye zilinganiswe.
Siphonononga ezinye zeenzuzo ezibonakalayo zemali kunye neengozi zokutshata kamva kubomi obungezantsi. Njengoko ufunda olu luhlu, yiba kwincoko neqabane lakho.
Buzana omnye nomnye, "Ngaba imeko zethu zezemali ziya kuthintela okanye zongeze umtshato wethu?" Kwaye, ngokuhambelana, "Ngaba kufuneka sifune ingcebiso kumntu osuswe kwimeko yethu kunye namava osapho?"
Iinkonzo
- Isiseko sezemali esisempilweni
Uninzi lwabantu abatshatileyo, olona loncedo lubonakalayo lokutshata kamva ebomini ngumvuzo odibeneyo.
Ingeniso edibeneyo inkulu kunokuba umntu unokulindela kumanqanaba okuqala ebomini.
Izibini ezindala zihlala zixhamla "kumgaqo" onempilo wezemali. Ingeniso ephezulu ithetha ukuba bhetyebhetye ngakumbi kukhenketho, utyalomali, kunye nezinye iindleko ezibonakalayo.
Amakhaya amaninzi, ukubanjiswa komhlaba, kunye nezinto ezinje ngezomeleza ezemali. Yintoni eza kulahleka, akunjalo?
- Umnatha wokhuseleko olomeleleyo lwamaxesha angqingqwa
Izibini ezindala zihlala zinee-asethi zazo. Ukusuka kwiipotifoliyo zesitokhwe ukuya kubambiso lwearhente yokuhlala, bahlala bexhamla kuninzi lwezixhobo zezezimali ezinokubonelela ngomnatha wokhuseleko olomeleleyo lwamaxesha anyanzelekileyo.
Zonke ezi asethi, phantsi kweemeko ezifanelekileyo, zinokupheliswa kwaye zidluliselwe.
Ngale nto yokutshata kamva ebomini, umntu unokutshata iqabane, esazi ukuba ingeniso yethu inokumnika uzinzo ukuba sihlangabezana nokufa ngesiquphe.
- Umlingane kuthethwano lwezezimali
Abantu abanamava bahlala benesiphatho esihle sengeniso kunye nenkcitho yabo. Bebandakanyeke kwipateni engaguquguqukiyo yolawulo lwemali, bayayazi indlela yokulawula imali yabo ngendlela esemgangathweni.
Le ndlela yoqeqesho kulawulo lwemali inokuthetha uzinzo lwezezimali emtshatweni. Ukwabelana ngeyona nto intle yokuqonda kwakho kwezezimali kunye neendlela onokuziphumelela.
Ukuba neqabane lokubonisana naye kwimicimbi yezemali kunokuba yinto efanelekileyo.
- Omabini amaqabane azimeleyo ngokwezezimali
Izibini ezindala nazo ziyangena emtshatweni zinamava "okuhlawula indlela yawo." Bazazi kakuhle iindleko zokugcina ikhaya, abanokuxhomekeka kumvuzo womlingane wabo xa bengena emtshatweni.
Oku kuthetha ukuba inkululeko ngokwasezimalini inokusinceda esi sibini njengoko siqala ubomi babo bomtshato kunye. Indlela yakudala "yakhe, eyam, eyam" kwiiakhawunti zebhanki kunye nezinye iiasethi zizukisa inkululeko ngelixa zisenza imeko entle yokunxibelelana.
Inkcitho
- Ukurhanelwa kwezemali
Yikholwe okanye hayi, urhano lwezemali lunokungena kwi-psyche Abantu abanika umtshato womtshato osekupheleni kwexesha. Njengoko sikhula, sihlala sigcina umdla wethu kunye nezinto zethu.
Ngaphandle kokuchazwa ngokupheleleyo kwabo sinokuba ngamaqabane ethu, sinokuba nesikrokro sokuba into yethu ebalulekileyo ibamba "indlela yokuphila" isandisa ingeniso kuthi.
Ukuba umntu esimthandayo uyaqhubeka nokucebisa ubomi bakhe kwaye siyaqhubeka nokusokola, ngaba sifuna ukuba yinxalenye yomanyano "oluntsonkothileyo"?
- Ukunyuka kwenkcitho yezonyango
Enye into engalunganga yokutshata kamva ebomini kukuba iindleko zonyango ziyenyuka njengoko sikhula. Ngelixa sihlala sikwazi ukulawula amashumi eminyaka yokuqala yobomi ngeendleko zonyango ezinqongopheleyo, kamva ubomi bunokugcwala luhambo oluya esibhedlele, kwiklinikhi yamazinyo, kwiziko lokubuyisela kwimeko yesiqhelo, nakwezinye izinto ezinje.
Xa sitshatile, sidlulisa ezi ndleko kwezinye zethu ezibalulekileyo. Ukuba sijamelene nokugula okuyintlekele, okanye okubi ngakumbi, ukufa, sidlulisa inkcitho enkulu kwabo baseleyo. Ngaba olu luhlobo lelifa esifuna ukulinika abo sibathandayo?
- Izixhobo zeqabane zinokuphambukiswa zize zixhomekeke kwabo baxhomekeke kubo
Abantu abadala abaxhomekekileyo bahlala befuna inkxaso yemali kubazali babo xa inqanawa yezemali idweliswa. Xa sitshata umntu omdala onabantwana abadala, abantwana bakhe baba ngabethu nabo.
Ukuba asivumelani nendlela yezemali abathandekayo bethu abayithathayo nabantwana babo abadala; sibeka onke amaqela kwimpixano ebalulekileyo. Ngaba kufanelekile? Ixhomekeke kuwe.
- Ukuncitshiswa kweeasethi zeqabane
Ekugqibeleni, uninzi lwethu luya kufuna unyango olungaphezulu kwamandla ethu. Xa singakwazi ukuzikhathalela, sincedwe, amakhaya okuhlala / abantu abongileyo angabakho emakhadini ethu.
Iziphumo zemali kweli nqanaba zikhulu kakhulu, zihlala zikhokelela ekuphelisweni kwempahla yakho.Oku kubalulekile ukuba kuthathelwe ingqalelo kubantu abadala abacinga ngokutshata.
Iingcinga zokugqibela
Ngokubanzi, zininzi izinto ezilungileyo nezingalunganga zomtshato ekubekeni inqanawa yethu yezemali kumaqabane ethu.
Ngelixa kunokuba yinto eyoyikekayo "ukuvula iincwadi" kwimicimbi yethu yezemali, kubalulekile ukuba sinikezele ngolwazi oluninzi kangangoko singena eluvuyweni nakwimingeni yomtshato.
Ngendlela efanayo, yethu amaqabane kufuneka akulungele ukuveza ulwazi lwabo lwezezimali naye. Injongo kukukhuthaza incoko esempilweni malunga nokuba la makhaya mabini azimeleyo aza kusebenza njani njengeyunithi enye.
Kwiphepha le-flip, ukubhengeza kwethu kunokubonisa ukuba umanyano ngokwasemzimbeni nangokweemvakalelo lunokwenzeka, kodwa umanyano lwezezimali alunakwenzeka.
Ukuba amaqabane abelana ngamabali abo ezemali ngendlela engafihlisiyo, banokufumanisa ukuba ulawulo lwabo kunye nezimbo zotyalo-mali azifani kwaphela.
Kwenziwe ntoni? Ukuba awukaqiniseki malunga neenzuzo kunye neengozi zomtshato ongasekhoyo, cela uncedo kumcebisi othembekileyo kwaye uqonde ukuba ingaba umanyano luya kuba lumanyano olunokwenzeka na lwentlekele enokubakho.
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