Xa uqala, unokwenza ukhetho olunzulu malunga nemali yakho. Imikhwa oyifumayo ngoku iya kukuchaphazela ubomi bakho bonke. Kubalulekile ukuba ususe imali engavamile , ukuze ubaleke ukwenza iimpazamo. Impazamo yezemali ingaba nzima ukucima kwaye ngokubanzi ingathatha ixesha ukulungisa. Ukuqonda iimpazamo zezemali eziqhelekileyo kunokukunceda wenze ukhetho olungcono lwemali kwixesha elizayo. Ukuphepha iimpazamo zeemali ezixabisekileyo okanye iimpazamo zeetyala zingakusindisa imali, ixesha kunye noxinzelelo.
01 Ukujongana Neentlawulo Zakho
Ukusebenzisa iiKhadi zakho zeNkcazo kwiNkcitho yeeNkcitho zemihla ngemihla
Xa usebenzisa iikhadi lakho lekredithi ukufihla imfudo kwimali yakho, unokuqhuba ixabiso elikhulu lenkokhelo ngexesha elifutshane. Abantu bavame ukusebenzisa imali xa behlawula ngekhredithi, kwaye kulula ukuyeka ukubeka ingqwalasela esondeleyo kwibhajethi yakho xa uhlala ubuyela kwikhadi lakho lesikweletu. Kufuneka uyeke ukusebenzisa amakhadi akho ekwereta kwaye uqale ulandele uhlahlo lwabiwo-mali ukukhaba umkhwa wakho wekhadi lesikweletu.
03 Bhangisa Imali kwi-Friends and Family
Xa unesimo semali esinzima, unokulingwa ukuboleka imali kubahlobo bakho okanye kwintsapho yakho. Xa wenza oku, ubeka uxinzelelo lwakho ubudlelwane nabo. Basenokuqala ukubuza izigqibo zakho zezimali kwaye bazive ngathi banokwenza izimvo malunga nemikhwa yakho yokuchitha. Bangafuna kwakhona imali ngokukhawuleza okanye unokuziva unetyala xa usibona. Akufanele uhlawulise imali kwiintsapho okanye ngabahlobo ukugcina ubudlelwane bakho.
04 Yeka umsebenzi wakho ngaphandle kwesiCwangciso
Xa uyeka umsebenzi wakho, awufaneleki kwi-inshorensi yokungasebenzi, kwaye unokufumana kwisimo sezimali esixinanise kakhulu. Kwakunzima kakhulu ukufumana umsebenzi xa ungaqeshwanga okwangoku. Xa uvakalelwa kukuba imeko yakho yangoku ingasebenzi, kufuneka uqale ukukhangela umsebenzi omtsha kwangoko. Oku kuya kukuvumela ukuba ufumane umsebenzi omtsha kwaye ukhusele nayiphi na ikhefu kumava akho wengqesho. Unokugqiba nokuba uthathe umvuzo wentlawulo yomsebenzi wakho omtsha, kodwa uya kukhuseleka ukwazi ukuba unomsebenzi kunye nokuhlawula imali.
05 Hlalani kwi-Job End Dead
Enye impazamo enkulu yemali ukhetha ukuhlala emsebenzini wokufa. Oku kunokukulimaza ngokwezimali, kuba akukunikezeli indawo yokuqhubela phambili. Ngelixa ungathatha umsebenzi njengelitye elihambayo okanye ngenxa yokuba unomdla kakhulu emsebenzini, kufuneka ube nesicwangciso sokuqhubela phambili kumsebenzi ongcono. Udinga ukugqiba xa ixesha lilungile ukufumana umsebenzi omtsha, kwakunye nezakhono oya kuwufuna ukufumana umsebenzi olungele ukulungelelanisa iimfuno zakho. Qala ukulungiselela ukuze ukwazi ukufumana umsebenzi wakho omtsha.
06 Ukungaphumeleli kwiBhajethi
Xa ungenawo uhlahlo lwabiwo-mali, awukwazi ukulawula iimali zakho. Ukungaphumeleli kwinyanga yesabelomali emva kwenyanga kuthetha ukuba awuthathi ulawulo lweemeko zakho zemali. Ngaphandle kohlahlo lwabiwo-mali ungenza imali ehloniphekileyo kwaye unzima ukufumana . Kunokuba nzima ukufikelela kwiinjongo zakho zemali xa ungenayo ibhajethi eqinile. Thatha ixesha ngoku ukusekwa uhlahlo lwabiwo-mali , kwaye qhubeka uyenza njalo ngenyanga. Unokuqala ukwenza izigqibo ezingcono zezezimali xa uhlahlo lwabiwo-mali kwaye uyazi kakuhle apho imali yakho iya khona inyanga nganye.
07 Ukunyaniseka kokuseka iSicwangciso seMali
Xa ungenaso isicwangciso sezemali, awuyi kuqhubela phambili ukufikelela kwiinjongo zakho zemali. Isicwangciso sakho semali sinokukunceda uqinisekise ukuba imali yakho iyafana nezinto eziphambili. Isicwangciso sakho semali siya kunceda ukuba wenze isigqibo xa kufuneka uqale ukutshala imali yakho, ubuninzi bokugcina umhlalaphantsi kunye nezinye iinjongo zemali. Thatha ixesha lokuseka isicwangciso sakho semali namhlanje.
08 Ungaze ubeke iinjongo zezeMali
Iinjongo zakho zemali kukunika amanyathelo okusebenzela. Ezi njongo kufuneka zibe izinto ezinjengobunikazi basekhaya, ukuqala ishishini lakho, umhlalaphantsi. Ukuba awuyi kubeka iinjongo ezithile, uya kuphazamiseka. Awuze ufike kwindawo ekuhlawula ngayo inkokhelo egcinayo kwikhaya lakho okanye ube kwindawo efanelekileyo xa ixesha lokuthatha umhlalaphantsi. Thatha ixesha lokubeka iinjongo zemali ezizinzileyo kwaye uzihlole rhoqo ngonyaka.
09 Ukuhamba Ngaphandle Kwinshorensi
Abantu abaninzi bakhetha ukuhamba ngaphandle kwe-inshurensi ukugcina imali. I-inshurensi yakho yinkonzo yakho yokukhusela. Kukho ukukukhusela ukusuka kwi-bankruptcy kwaye uqinisekise ukuba unayo izinto ozifunayo. Kufuneka uqinisekise ukuba unesiseko se-inshorensi eyisiseko, kuquka inthorensi yempilo ukukhusela kwiingxaki kwixesha elizayo.
10 Ukwenza iinqununu zezezimali ngenxa yoyika okanye uxinzelelo
Enye impazamo eqhelekileyo kukuba wenze ukhetho lwezimali xa uloyiko okanye uziva unyanzelekile ukuba usebenze ngokukhawuleza. Xa uloyiko, awuyi kuqwalasela zonke iinketho, kwaye unokugqiba ukwenza iphutha. Kubalulekile ukuthatha isinyathelo emva kwaye ucinge zonke iinketho zakho. Unokufuna ukuthetha isigqibo malunga nomntu omthembayo. Enye iphutha lezemali kukunika ingcinezelo yokuthatha inyathelo elikhulu lemali ekuthengeni imoto entsha ukuthenga ikhaya ukutshata okanye nokuba nomntwana. Awukwazi ukulungelelwa ngamanyathelo kwaye ukunika ingcinezelo akuyi kukunceda ngemali. Kukulungele ukwenza isigqibo ngasinye sezimali esekelwe kwixesha lakho, iinjongo kunye neemfuno.