Kukho iinyanga xa ukunamathela kwibhajethi yakho kubonakala kulula. Kukho neenyanga xa ulawula ukutshabalalisa uhlahlo lwabiwo-mali nangona uqikelele ngemali yakho. Ukuba usebenza ngaphandle kwengxowa-mali engxamisekileyo, naziphi na iindleko ezingalindelekanga ezifana nokulungiswa kwemoto okanye ibhilikhi yezokwelapha inokutshaya ibhajethi yakho ekuqaleni kwenyanga. Kuxinzelelekile ukuba uqaphele ukuba ungekho imali kwaye unemihla emininzi okanye iiveki ade uhlawulwe kwakhona .
01 Ndingayifaka njani iindleko ezihlalayo?
02 Ngaba kufuneka ndisebenzise iKhadi leMatyala?
Le yimeko ekhohlakeleyo. Akusiyo ingcamango efanelekileyo yokusebenzisa ikhadi lekhredithi, kodwa ukuba ukhetha phakathi kokungadli kuwo yonke inyanga okanye ukusebenzisa ikhadi lakho lekredithi ukuthenga ukutya, ngoko kukungcono ukutya. Nangona kunjalo, oku kuthetha ukuba uthengisa izinto ezingabizi, awudli ngaphandle kwaye wenza konke onako ukunciphisa inani ochithayo. Akufanele ungadli kwikhadi lesikweletu, kwaye akufanele usebenzise okokuba uye kwii-movie. Ukuba ufuna ukuthenga i-gas ukuze ufike uye emsebenzini, imigaqo efanayo iyasebenza. Akudingeki ukuba udibanise iindleko ezinkulu ukuhamba ngezizathu zokuzonwabisa xa ulapha kule meko. Kufuneka ube necebo elicacileyo malunga nendlela uza kuhlawula ngayo le nyanga okanye ezimbini ezizayo.
03 Ndingayimisa Njani Oku Kusenokwenzeka Kwenzeka kwakhona?
Ukuba ufumanisa kwipatheni apho uhlala ulahlekelwa yimali okanye uphawule ibhajethi yakho ekuqaleni kwenyanga, kufuneka usebenze ukutshintsha imeko yakho. Ukuba kukho into efana nokulungiswa kwemoto okanye iindleko ezingalindelekanga, i- fund yexakeka kufuneka ixazulule ingxaki yakho. Oku kukuvumela ukuba uhlawule indleko ngaphandle kokuchaphazela lonke uhlahlo lwabiwo-mali. Ukuba ufumanisa oku kwenzekayo ngexesha lonke, kufuneka uqwalasele ukuba ngaba ungayisebenzisi imicimbi ofuna ukuyilungisa. Kwakhona kufuneka uqikelele ukuba uhlahlo lwabiwo-mali lusebenza ngokwenene. Ngokuqhelekileyo abantu abazabalazela ngale ndlela abanalo uhlahlo lwabiwo-mali. Unokujonga kwakhona iindlela ezintsha zokulondoloza inyanga nganye ukunciphisa iindleko zakho jikelele.
04 Kutheni Uhlahlo lwabiwo lwam lube lungekho emsebenzini?
Ukuba unzima xa ulandela uhlahlo lwabiwo-mali, unokujamelana nemibandela embalwa eyahlukileyo. Into yokuqala okufuneka uyiqwalasele ukuba ngaba ubeka ibakala lakho lohlahlo lwabiwo-mali kwizinga langempela. Xa uqala ukubeka uhlahlo-lwabiwo-mali unokwenza isigqibo sokuba ungayifumana ngokuchitha imali eyi-100.00 ngeveki ekudleni. Nangona kunjalo, ukuba ukufika kweli nqanaba sele uchitha i-$ 200.00 ngeveki, lo umehluko omkhulu kwaye awukwazi ukukwenza. Unokuba ufuna ukuzama ukusika ngokukhawuleza uze ufikelele ekujoliswe kuyo. Unokuba nobunzima bokulandelela iindleko zakho. Oku kuthetha ukuba uphawuleza kwiintlobo ezithile ezifana nokuzonwabisa kwaye awukho imali xa kuthe ixesha lokuthenga ukutya. Ukutshintshela kwinkqubo yemvulophu kunokunceda kule miba. Ekugqibeleni, unokufumana umvuzo ongenako ukwenza ngokwaneleyo ukugubungela iimfuno zakho okanye indlela ophila kuyo. Uya kuyidinga ukunciphisa imali yakho kunye nokusebenza ekukhuliseni ingeniso yakho.