Indlela Yokuthetha Ngayo Imali
Kuqikelelwa ukuba imiba yemali yindlela yokuqhuba umtshato kwiminyaka engama-90%, kodwa unokuphila ngononophelo emva koko, ukuthetha ngokwezimali, ukuba usebenza ekungavumi ukuba nemicimbi yezemali ifike phakathi kwakho kunye neqabane lakho.
Encwadini yakhe ethi " Ukuthetha Imali ," uJean Chatzky, umlobi weMali kwiphephancwadi kunye negalelo eliqhelekileyo kwiMiboniso yanamhlanje , unikeza iingcebiso ezisebenzayo zokuthetha nomlingane wakho okanye umlingane wokuphila malunga nale ngxaki ekhutshwe ngokomzwelo, kuquka ezi ngcebiso kumabini amabini:
Fumana ixesha elingathathi nto
Musa ukulinda de lakho iqabane lihlawulise isiphepho kwikhadi le-credit card okanye enye inkcaso yemali ebushushu ifaka ukuxubusha isihloko. Injongo kukuba neengxoxo ezizolile, ezikhululekile xa kungekho mali ethile.
Nika omncinci ukufumana encinci
Amavolontiya zakho iimvakalelo malunga nomba wezemali, kwaye kunokukhuthaza umlingane wakho ukuba enze okufanayo. Ukuba ulwalamano lwakho luyinto yokuqala ephambili, uya kufuneka uzimisele ukuxoxisana. Yabelana ngeemvakalelo zakho, amava kunye nethemba ngemali. Xoxa ngendlela abazali bakho abasebenzelana ngayo ngemali, oko kwakuthetha ntoni kuwe xa ukhula, nendlela oyenzisana ngayo nobudlelwane obudlulileyo.
Yazi apho Umi khona
Ukunyaniseka ngokwakho malunga nendlela ozivakalelwa ngayo. Ukuba uhlala uzimele, umzekelo, kunokuba kunzima ukuba "unakekelwe" ngemali. Ukuba unempahla engaphezulu kuneqabane lakho, unokuziva uloyiko lokufaka ingozi kwimali yakho eyimali enzima, okanye ukucaphukisa xa imirhambo yakhe yokusebenzisa imali ingalungile.
Ufanele uthembeke nawe malunga nale mvakalelo ukuba uthembeke kunye neqabane lakho.
Faka iQela leThathu
Ukuba unganakwenzeka ukuthetha ngemali; kufuna umcebisi ukuba akuncedise ukuhlela ngemicimbi yakho yezemali. Ingaba ngumcebisi wezemali okanye umcebisi weze-orrapist okanye umtshato.
Yenza kunye neDonts for Couples
I-Chatzky inikezela le nto kwaye ayifuni ukudibanisa imali yakho:
Ukulandelela Ukusetyenziswa Kwakho
Ukwazi apho imali yakho ihamba khona kuyona nto yokuqala yokwenza ukhuseleko lwezezimali, nokugcina uhlahlo lwabiwo-mali , olubandakanya ukulandelela imali yakho, yindlela kuphela yokukwazi ukuba imali yakho iya kuphi. Ukufumana ulwazi oluninzi malunga nebhajethi esebenzayo, jonga uhlahlo lwabiwo-101 .
Ndivuma ukuba Andivumelani
Yiya kunye neenjongo zokulondoloza nokugcina kunye nezikhokelo, uze uvumele iqabane lakho likwazi ukulawula imali yakhe. Ukufumana ulwazi oluthe xaxa malunga nokusekwa kwemali kunye neenjongo zokulondoloza, khangela Imfihlelo Yokugcina Imali , kunye Neenjongo zeMali.
Uyilo iBill Payer
Omnye wenu unokuba ngcono kumphathi wosuku lweendleko zekhaya. Kukulungele ukumisela lo mntu njengomhlawuli-mali, kodwa omnye umntu kufuneka abandakanyeke kwaye kufuneka azi ukuba kufuneka yenziwe ntoni na indlela yokwenza ngayo.
Gcina amakhadi aKharityhulam ahlukileyo
Ngamnye kuni kufuneka ube nekhadi lekrediti enye egameni lakho ukugcina iimbali zecredit.
Ukuba uqhawula umtshato okanye iqabane lakho liya kufa, kuya kuba nzima okanye akunakwenzeka ukufumana umboleko, umbolekiso, okanye ikhadi lekhredithi ngaphandle kwalo. Ukuba nekhadi elidibeneyo elinamagama akho kubini alisebenzi.