Umxholo
Sonke sivile ukuba ezemali inokuba sesona sizathu siphambili sokuba kutheni izibini ziphikisana okanye ziqhawule umtshato.
Kwimitshato apho kukho ityala elikhulu okanye uxinzelelo olukhulu lwezezimali, izibini zichaza amanqanaba asezantsi okwoneliseka.
Imali inokuziva ngathi yinto ebandakanya konke kwaye inokuba yinto engaphaya xa ungaziva ulawula iimali zakho. Xa kukho ukungangqinelani kwezemali, izibini ezilwa ngenxa yemali kunye neengxaki zemali emtshatweni ziye ziphindaphinde.
Ukuthatha abantu ababini abahlukeneyo kwaye ubalindele ukuba bazokuphatha iimali zabo kunye bakuba betshatile yindlela, yeengxoxo ezifanelekileyo. Ungakhathazeki, ezemali kunye nohlahlo-lwabiwo mali akufuneki zibe zizinto ezoyikisayo.
Ke, ungaziphepha njani iingxabano kunye nokungqubana emtshatweni xa imicimbi yemali igcwele.
Xa udibanisa izibini kunye nemali, okanye ukwabelana ngeendleko kubudlelwane, oko kungakhokelela kungxabano enkulu.
Uluhlu olungezantsi ziingcebiso ezimbalwa onokuzilandela ukumisa ukulwa malunga nemali, i-ace isakhono sokugcina iimali zesibini, ukufikelela kulonwabo lwezezimali emtshatweni wakho.
Beka yonke into etafileni
Ukuqala komtshato ngokunyaniseka okupheleleyo kuhlala kungumgaqo-nkqubo olungileyo.
Ingcebiso ngendlela yokuphepha ungquzulwano -Thetha ngokuphandle ngemicimbi yezemali kunye neqabane lakho.
Ukugcina izinto elubala kwezemali kuhamba ixesha elide ekujonganeni noxinzelelo lwezezimali emtshatweni. Ukuxoxa ngezemali emtshatweni kufuneka kube yeyona nto iphambili kubudlelwane ukuba ufuna ukunqanda ungquzulwano emtshatweni.
Ngokuka-Forbes, ukuhlala phantsi kwaye nithethe phandle malunga nemali yakho kunye neqabane lakho kungawusindisa umtshato wakho kwiingxabano ezantsi kwendlela.
Oku akuthethi ukuba awuzukuphikisana ngemali, iingxoxo zezemali ziphantse zibe yinto yokuhamba kuwo nawuphi na umtshato; ngekhe ungene emtshatweni wakho ngazo naziphi na iimfihlo zemali.
Ayisiyongqondo kuphela ukuthetha ngemeko yakho yangoku yezemali, kodwa ikwalicebo elihle ukuthetha neqabane lakho malunga nendlela abakhuliswe ngayo. Ukwenza oku kunokuhambisa iimeko ezininzi apho ungquzulwano emtshatweni alunakuphepheka.
Oku kunokukunika umbono olungileyo ngendlela ababona ngayo kwaye baxabise ngayo imali.
Ukwazi indlela ojonga ngayo iqabane lakho emalini kunokukukhokela ekwenzeni izigqibo malunga nemali emtshatweni wakho.
Oku kunokuthetha ukuba niphatha iimali zenu kunye okanye mhlawumbi umntu omnye athathe indawo yokuhlawula amatyala kunye nokulinganisa incwadi yokutshekisha. Akukho "ndlela eyiyo" yokuphatha imali emtshatweni.
Ukubeka yonke into etafileni ekuqaleni kwaye emva koko ufumane inkqubo esebenza kuni nobabini yindawo entle ukuba niqale!
Yenza uhlahlo-lwabiwo mali
Ungajongana njani nemicimbi yemali kubudlelwane? Thatha le mali kunye neengcebiso ngobudlelwane.
Ukwenza uhlahlo-lwabiwo mali kunye neqabane lakho kunokunceda nina nobabini ningene kwiphepha elinye kwaye nibambe ngamnye wenu aphendule. Yindlela ehlakaniphileyo yokuphepha iingxaki zomtshato nezemali, kunye nokuphikisana okungapheliyo malunga nemali.
Ukuthintela ukungavisisani emtshatweni, zama ukwenza uqingqo mali olusengqiqweni eninokuphila ngalo nobabini. Kukho itoni yohlahlo-lwabiwo mali olukhoyo olunokuthi lulandelele inkcitho yakho kwaye lubonise ukuphela kwenyanga ukuba usebenze kakuhle kangakanani.
Ingcebiso ebalulekileyo yezemali kwizibini kukubeka umda kwinkcitho; oku kuthetha ukuba unemali ongayidluliyo ngaphandle kokuthetha neqabane lakho. Le yindlela eqinisekisiweyo yokuqinisekisa ukuba wena neqabane lakho niyathetha ngezemali.
Ukuba niyavumelana ukuba anisoze nisebenzise ngaphezulu kwe- $ 20 ngaphandle kokuthetha omnye nomnye kuqala, nobabini niyakuhlala niziva nilawula okwenzekayo ngemali yenu ninciphise ukuphindana kwempixano yomtshato.
Eli nqaku linemibono engaphezulu kunye neengcebiso malunga nokwenza uhlahlo-lwabiwo mali kunye nokugcina ungquzulwano emtshatweni lukhona.
Jonga kwakhona:
Cwangcisa ikamva
Emva kokuba unxibelelana kwaye unohlahlo-lwabiwo mali olusebenzayo, kububulumko ukucwangcisela ikamva.
Yenza iakhawunti yokonga kwaye uthathe isigqibo semali ofuna ukuyibeka inyanga nenyanga. Qala ukuhlawula naliphi na ityala onokuba nalo. Ukuphuma ematyaleni yenye yezona zinto zilungileyo onokuzenza kulwalamano lwakho. Awuyi kuba nesisindo esinyanzelayo kumagxa akho kwaye uya kuba nakho ukugcina imali engaphezulu okanye ukutyala imali.
Ukuba ufumanisa ukuba kufuneka wonge imali eninzi usenzela injongo okanye uphume ematyaleni kusoloko kukho amathuba okonga okanye ukwenza imali eyongezelelweyo ukuba uyila!
Unokufumana iinkonzo ezinkulu kwiinkampani ezinje nge-ACN ukukunceda ukunciphisa iindleko zakho ngelixa usakwazi ukubonelela ngokuzonwabisa. Ingabonakala ingenakwenzeka, kodwa apho kukho umyolelo, kukho indlela. Ukucwangcisela ikamva kuyakukugcina wena neqabane lakho nijolise kwiinjongo ezifanayo.
Imali inokuba nzima kakhulu kwisibini esitsha. Ubudlelwane beengxabano malunga neengxaki zemali emtshatweni, okanye ukuphikisana neqabane lakho malunga nemicimbi yemali kubudlelwane akuqhelekanga.
Sukuhlala unqwenela ukuba wenze imali eninzi, qala ukwenza ukuba imali yakho ikusebenzele.
Hlala phantsi uthethe ngemeko yakho yezemali neqabane lakho.
Ukusuka apho, yenza uhlahlo-lwabiwo mali oluza kunisebenzela nobabini.Musa ukudimazeka ukuba uhlahlo-lwabiwo mali alusebenzi okokuqala, kungathatha inyanga ukufikelela kuhlahlo-lwabiwo mali olusebenzayo.
Emva kokufumanisa uhlahlo-lwabiwo mali, jonga amathuba okonga.
Yiba neenjongo ofuna ukufikelela kuzo ukuze zikhuthaze ngokungaguquguqukiyo. Ukuba ungafumana indlela yokusebenzisa la macebo alula emali nakubudlelwane, uya konwaba emtshatweni ngaphandle kwengxabano emtshatweni.