Umxholo
- 1. Nxibelelana
- 2. Kuphephe ukugcina iimfihlelo
- 3. Yamkela ukuba yimpazamo yakho
- 4. Qondanani imali yengqondo yomnye nomnye
- 5. Misela umda kwinkcitho kunye nemithetho
Nokuba olona lwalamano luqinileyo lungasuswa kwaye luye kwintshabalalo ngenxa yeengxaki zemali. Kuyinyani ukuba imali idlala indima enkulu xa kuziwa ekwanelisekeni kubudlelwane. Amadoda ayakonwabela ukuzithemba okwandayo okuza nozinzo lwezezimali ngelixa abasetyhini bebona imali njengophawu lokhuseleko kunye nozinzo. Imiba yezemali emtshatweni sesinye sezizathu eziqhelekileyo zokungavisisani phakathi kwabantu abatshatileyo kwaye ngokophando, lume kwindawo yesithathu ebaluleke kakhulu ekhokelela kuqhawulo mtshato. Kungqinwe luphando ukuba zonke izibini ezisi-7 kwezili-10 zifumana uxinzelelo emtshatweni wazo ngenxa yemicimbi yezemali. Kukhankanywe apha ngezantsi zizinto ezi-5 eziphezulu ozifunayo ukuze uphephe umba wezezimali kwaye uqondise umtshato wakho kulonwabo nakwimpumelelo.
1. Nxibelelana
Unxibelelwano ngundoqo kuyo yonke into. Kuya kufuneka ukwazi ukuthetha neqabane lakho ngayo nantoni na ekukhathazayo ngaphandle kokuthandabuza. Abangabo abafundi beengqondo kwaye ngekhe bazi de kwaye ngaphandle kokuba uthethe. Kuyabonakala ukuba uninzi lwezibini azithethi ngezemali kwaphela kwaye zihlala zithintela isihloko ngokupheleleyo, ngakumbi kumanqanaba okuqala obudlelwane babo. Kuyimfuneko, nangona kunjalo, ukuba izibini zihlale phantsi zixoxe ngazo zonke iimeko ezinokubakho zemali ezinje ngomntu ophulukene nomsebenzi, iakhawunti yokujonga ngaphezulu, njl.
Ukuba nabani na kuni unenkxalabo ethile malunga nendlela asebenzisa ngayo iqabane lakhe, indlela abayiphatha ngayo imali kunye nokwenza izigqibo ngezemali, kubalulekile ukuba ubalungise phambi kokuba kuhlwe. Nangona ayinguye wonke umntu okhululekile ukuthetha ngemali kwangoko, kuya kufuneka uthethe omnye nomnye ukunqanda nayiphi na imiba yezemali ebangelwe ngumtshato wakho.
2. Kuphephe ukugcina iimfihlelo
Ukugcina iimfihlo kwiqabane lakho akunakulunga. Ukuba kumanyano lomtshato, nobabini kufuneka nithembane ngokwaneleyo ukuba nizokwabelana ngento yonke omnye nomnye, nokuba intle okanye imbi into. Abantu abatshatileyo bahlala benemali edibeneyo kunye nombono othile abasebenza kuwo ngelixa besonga.
Ukuba utyibilike kwintengiso okanye uzama ukuya kwiakhawunti yokonga ukuhlawula ityala ngenxa yotyalo mali olubi, kuya kufuneka ukhululeke ngokwaneleyo ukuze uxelele enye into ebalulekileyo ngayo kunokuba uyifihle. Ukwabelana neqabane lakho kunye nokufuna iingcebiso kunokuvele kube luncedo endaweni yoko kukhokelele kumcimbi obalulekileyo wezezimali emtshatweni wakho.
3. Yamkela ukuba yimpazamo yakho
Kukho ithuba lokuba ibe nguwe onemikhwa engeyiyo yemali, mhlawumbi nguwe ohamba uyokuthenga ezivenkileni ngoku okanye nguwe ongahlali nayo nayiphi na into engaphantsi kwexabiso, iilebhile zoyilo eziphezulu. Ukuba nguwe, kuya kufuneka ukwazi ukuqonda inkxalabo yeqabane lakho xa bezichaza. Kuya kufuneka uyamkele into yokuba nguwe onephutha kwaye kufuneka wenze iinguqu ukunqanda naziphi na iingxaki zezezimali emtshatweni wakho.
Umtshato owonwabisayo ufuna ukuba nincedane kwaye nisebenze kunye ukulungisa iingxaki ezikhoyo ngendlela yenu.
4. Qondanani imali yengqondo yomnye nomnye
Kubaluleke kakhulu kuwe ukuba yintoni eqhubeka engqondweni yomnye nomnye xa kufikwa emalini. Kuya kufuneka unoluvo lokuba iqabane lakho lihlala lijongana njani nemali kwaye bakhule njani malunga nemali? Ngaba abazali babo babengabasebenzisi benkcitho enkulu okanye ngaba bajongana nengxaki yemali ngelixa bekhula? Kufuneka ube nokuqonda ukuba loluphi uloyiko olukhulu iqabane lakho elinalo malunga nemali.
Iimpendulo kuzo zonke ezi zinto zinokukuxelela kakhulu ukuba iqabane lakho liyiphatha njani imali kunye nokuba uza kuhamba njani umtshato wakho. Ngapha koko, ngesiqhelo, uninzi lwempikiswano phakathi kwezibini ayimali kwaphela. Endaweni yoko, yimbambano yomoya. Ukulalanisa, kunye nesidingo sokuqonda imbono yeqabane lakho kubalulekile.
5. Misela umda kwinkcitho kunye nemithetho
Ukuthatha isigqibo malunga nemigaqo yenkcitho ngokubanzi kunokuba luncedo ekuhambeni kwexesha. Ungeza nemingcele kwaye uthathe isigqibo semali ethile umntu ngamnye anokuyisebenzisa ngaphandle kokwazisa omnye ngomthengi, kodwa kwakamsinya nje ukuba ugqithe umda, kufuneka uqhagamshelane nomnye. Ngapha koko, uhlahlo-lwabiwo mali lwasekhaya lunokuba yeyona ndlela isebenzayo ekuphatheni yonke imali yakho.
Unokwenza ukusetyenziswa kweapps ezahlukeneyo ukugcina umkhondo kuyo yonke inkcitho yakho, ukwenza umsebenzi ube lula kakhulu. Olu khetho lulunge kakhulu ukunqanda umba wezezimali ukuba ungaveli emtshatweni wakho.
Isiphelo:
Sonke sijamelene nengxaki yezemali ngaxa lithile ebomini bethu, kodwa kuxhomekeke kuthi ukuba sijongana njani nazo. Kufuneka uvule kwaye uthembeke kumaqabane akho malunga nazo zonke iingxaki endaweni yokuzifihla. Bambisana, zama ukuqonda omnye nomnye kwaye usebenzise la manqaku akhankanywe apha ngasentla ukugcina imicimbi yezemali ekufumaneni okona kulungileyo emtshatweni wakho.