Kutheni Ukwenza uhlahlo lwabiwo-mali lubaluleke kakhulu?
Isithethi esishukumisayo uJohn Maxwell sathi, "Uhlahlo lwabiwo-mali luchaza imali apho uya khona endaweni yokubuza apho ihambe khona."
Uhlahlo lwabiwo-mali lunye lwezinto ezifanelekileyo kakhulu zokulawula imali. Kodwa kutheni kubalulekile kangaka? Ziziphi iingenelo zokuhlahlo lwabiwo-mali? Kwaye kutheni unomdla?
Makhe sibone.
Yazi into oyithengayo
Ngaphambi kokuba uhlale phantsi ukwenza uhlahlo lwabiwo-mali, usenokungazi ukuba zininzi iintlobo zezinto ofuna ukuzithenga.
Uninzi lwabantu luyazi izinto ezibangela ukuba bathathe i-wallet yabo imihla ngemihla okanye ngeveki: ukutya, i-petroli, ii-coffees kwi-Starbucks, ukutya kwevenkile kunye nabahlobo.
Kodwa abaninzi abantu abazi izinto ezihlawula kuphela kanye okanye kabini ngonyaka, ezifana nezipho zeeholide, iminikelo yokunceda, kunye ne-inshurensi yemoto.
Ukwaziswa kunciphisa, ngakumbi, xa kuziwa kwizinto esizihlawulela ngazo ngezikhathi ezingaqhelekanga, ezifana nokulungisa uphahla lwethu, ukubeka endaweni yokucoca i-dishwasher, ukubeka amathayi amatsha emotweni, okanye ukuhlawula i-bill yezilwanyana ezibiza kakhulu.
Uhlahlo-lwabiwo-mali lukunceda ukuba uqaphele zonke ezo ntlobo zeendleko. Ezi phesheya zinikezela uluhlu olufanelekileyo lweendleko ezininzi ezikhulayo ngexesha.
Beka zakho izinto ezibalulekileyo
Njengoko ndathetha amaninzi kwiwebhusayithi, uhlahlo lwabiwo-mali lubugcisa bokulungiswa kwemali yakho kunye nezinto eziphambili. Yingakho kungekho ndlela "engcono" yokuyila ibhajethi yakho - izinto eziphambili kwizinto eziphambili.
Ukudala uhlahlo-lwabiwo-mali kunokukunceda ukuba uchaze okokuqala. Ngaba unokuba uthumele abantwana bakho esikolweni sabucala, okanye unayo imali eyaneleyo yokubathumela kwelinye ilizwe ngexesha lomshushu? Ngaba unokukhetha ukuhlawula imali yakho yokuqala, okanye ube nekhredithi enkulu yomhlalaphantsi? Ungathanda ukunikela ngeepesenti ezili-10 zemali yakho kwintando, uthenge imoto yakho elandelayo ngenkokhelo , okanye uyibuyise ikhitshi yakho?
Awukwazi ukuthenga yonke into. Zonke izigqibo zidinga ukuhweba. Ukudala uhlahlo-lwabiwo-mali kukunceda ucinge ngokukodwa malunga neentengiso ozimisele ukuzenza.
Qalisa Ingxoxo
Oku kunzima ukuba kwikhasi elifanayo lezezimali njengomlingane wakho. Emva kwakho konke, wena kunye nomlingane wakho uya kuba nezinto eziphambili. Ukuba abantwana bakho bakhulile ngokwaneleyo ukuba babe nelizwi ezindabeni zemali zekhaya, kunzima nakakhulu ukufumana wonke umntu kwiphepha elifanayo.
Ukudala uhlahlo lwabiwo-mali kunokukunceda wena, iqabane lakho, abantwana bakho, kunye namanye amaqela anomdla anomxholo wokuqala ngengxoxo malunga nokukhetha kwezemali oya kukwenza.
Ezi ngxoxo ziyakukuvumela ukuba wenze izilungiso kunye nezigqibo malunga neendlela zemali osapho lwakho oluya kuthatha. Uhlahlo lwabiwo-mali luya kuba "isicwangciso senzalo" sakho sokufezekisa ezi njongo.
Finyelela Iinjongo Zakho Ngokukhawuleza
Ngaba kubonakala ngathi awunakuze ufike phambili? Kanye nje xa wenze enye indlela ngokugcina imali yakho, esinye isiganeko senzeke ngokukhawuleza sikubuyisele kwisikwere esinye. Imoto yakho iyahla. Ingane yakho iphosa ibhola ngefestile. Udinga ukufumana amazinyo akho okuhlakanipha, kwaye i-inshorensi ayiyi kubhala i-bill.
Uhlahlo lwabiwo-mali luyakunceda uceba izi zinto ezingenakupheka. Inokukunceda ukuba ufike phambili nangaphandle kwezi ndleko ezixakekileyo.
Eli nqaku malunga nohlahlo lwabiwo lweendleko ezingalindelekanga linika ulwazi oluninzi malunga nendlela onokujamelana ngayo nemigangatho ye-curveballs yobomi
Ulawula iBhajethi yakho
Uninzi lwabantu ludla ukungaziboni iintlawulo zokuba uhlahlo lwabiwo-mali ngenxa yokuba zixhalabile ukuba ziya kuba zikhutshwe kakhulu.
Khawukhumbule nje: ulawula uhlahlo lwabiwo-mali, ibhajethi yakho ayikulawuli. Inceda ufumane ukulawula imali yakho kwaye ikuvumela ukuba uphile ubomi obuzalisekileyo. Ngaba akusixesha lokubeka imali yakho apho kubalwa khona? Uhlahlo lwabiwo-mali luyakunikhokela apho.