Xa utshata, udibanisa ubomi bobubini obuhlukeneyo kunye nolwalamano oluneenjongo eziqhelekileyo kunye nenjongo. Kungaba yinguqu enzima kwaye enye yezona ndawo zinzima kakhulu yindawo yemali. Uninzi lwabantu alubukeli ukuhambelana nemali xa beqala ukutshatana kwaye ngoko xa ixesha lokudibanisa iimali lingadibana. Nazi iimpazamo ezilishumi zemali ongazifuni ukuzenza njengoko usanda kutshata.
01 Akukho bhajethi okanye iSicwangciso
Kubalulekile ukuba uhlahlo lwabiwo-mali kunye nesicwangciso sexesha elide. Isicwangciso sakho sexesha elide kufuneka sifake iinjongo zomhlalaphantsi, ubunini bekhaya kunye nokuqalisa intsapho. Kubalulekile ukuba uhlale phantsi uxoxe ngale nto ngaphambi kokutshata. Incoko eyintloko malunga neenjongo zakho kunye nexesha elimanyanisiweyo lenza ukuba kube lula kakhulu ukufumana iphepha elifanayo xa kuziwa kubhajethi yakho kunye neminye imiba enokujamelana nayo. Hlala phantsi uze udale isicwangciso semali ngaphambi kokuba utshatile, kwaye uhlahlo lwabiwo-mali lwenyanga luya kuhamba ngokukhawuleza xa utshata. Qiniseka ukuba ulungele kwakhona xa uqala ukuba nezingane . 02 Ukuhamba kwi-Blind
Impazamo enkulu ihamba emkhatsini wakho. Oku kuthetha ukuba awunakho ingxoxo malunga neenjongo zakho, okanye zeziphi iingxowankulu zemali ezifihliweyo. Emva kokubambisana, kufuneka ube nengxoxo engqinileyo apho ubeka khona konke. Le ntetho ifanele ifake isixa-mali samanje sokulondoloza, imali ekhoyo yamatyala, nawaphi na amatyala atyala, ukuphazamiseka kweminye imbopheleleko yemali enokuthi umntu ngamnye abe nayo. Oku kunokukwenza okanye ukuwaphula intetho xa kufikelele kulwalamano, kodwa kubalulekile ukulungisa ngaphambi kokuba udibanise iimali uze uphele ngemiba enzulu yomthetho. 03 Ukukhohlisa Umlingani Wakho
Akufanele wenze umkhwa wokuthetha amanga neqabane lakho malunga nantoni na xa kuziwa kwiimali. Abantu badla ngokuhlekisa ngokufihla iifowuni zentengiso phambi kokuba iqabane libuyele ekhaya, kodwa lingaholela kwimicimbi engundoqo yemali kwi-relationshi p. Qinisekisa ukuba wena ungaphambili, xa kuziwa kwiimali kwaye uvule ngokupheleleyo malunga neemeko zakho zemali zangoku. Ukuba kukho into evelayo xa unentetho yemali, kufuneka uthabathe oku njengesilumkiso uze ufune ukululekwa ngaphambi kokutshata. 04 Ukudibanisa Iimali Ngaphambi kokuba Utshatile
Kukho izizathu ezininzi omele ulinde ukudibanisa iimali uze utshatile. Imithetho isetyenziselwe ukukhusela izibini ezitshatileyo kwaye ukuba uhlala kunye kunye, unokungena kwimibandela ukuba uthenge indlu kunye okanye uthathe ityala linye. Ukuba uhlala ndawonye ngaphambi kokutshata, kufuneka usebenzise isabelomali sekhaya apho nonke ninegalelo kwiindleko ezabelwana ngazo. Oku kukukhusela kokubili kwaye kukunceda ukuba wabelane ngeendleko ngendlela efanelekileyo. Kubalulekile ukuba nesicwangciso. Ukuba uceba ukuhlawula amatyala omlingane wakho ukuze ube nenkundla yokudlala ecocekileyo, kufuneka ulinde uze utshatile ukwenza oku. 05 Ukubeka Umtshato okanye i-Honeymoon kwiKhadi leMatyala
Awufuni ukuqala ubomi bakho kunye ngokudala ininzi ityala. Oku kuthetha ukuba kufuneka uhlawule imali ngemitshato yakho yomtshato kunye nosuku lweentsholongwane. Nangona oku kuthetha ukunciphisa ezinye zezinto ozifunayo, kuya kuba nexabiso ukuba ungabi neentlawulo ezixhomekeke kwiinyanga okanye iminyaka emva kokuba utshatile. Ngokuthenga izithengiso kunye nokucwangcisa kwangaphambili, kufuneka usakwazi ukudala umtshato omhle kwibhajethi yakho . Unokufumana iindawo ezintle ekuhambeni kwenyango xa uceba phambili. Thatha ixesha lokujonga ngokwenene amaqhinga amahle ukuze ube nohambo olukhulu ngaphandle kokuba uhambe. 06 Ukwala uhlahlo lwabiwo-mali
Isabelomali sisona sitshixo esibalulekileyo kunokuba uphumelele ngemali. Akukhathali ukuba unokwenza ntoni ukuba ungenaso icebo elikunceda ngokulichitha. Ukuba awuzimisele ukuhlala phantsi kwaye wenze uhlahlo lwabiwo-mali ndawonye, awuyi kuphumelela ngemali. Kubalulekile ukuba kunikezwe kwaye kuthathe xa kufikelele kwizinto apho iqabane ngalinye kulwalamano oluvakalayo lubalulekile. Umntu oyedwa makamele ukuba adalise isibonelelo okanye ulawulo oluthile lwabiwo-mali. Kunoko, kufuneka usebenze kunye ukwenza isicwangciso esisebenzelayo. Ukuba oku kubonakala kunzima, ukuya kwiklasi yokucwangcisa imali kunokukunceda njengoko usebenza kuyo. 07 Ukugcina iiMali ezahlukileyo
Kukho izimbalwa ezimbalwa ezifanelekileyo zokugcina iimali zakho zahlukana emva kokuba utshatile. Ukuba kukho izinto ezinjengezokugembula okanye ukugqithisa okukhulu, ungadinga ukusebenza ekwakheni ithemba phakathi komnye uhlahlo lwabiwo-mali. Ngaphandle koko, kufuneka uhlahloye yonke imali yakho ndawonye kunye nokusebenza kwiinjongo ezabelwana ngazo. Oku kuthetha ukuba ayikho i-akhawunti yokugcinwa efihliweyo okanye amakhadi ekwereta. Kufuneka uhlale phantsi kunye rhoqo kwaye uqinisekise ukuba ufikelela kwiinjongo zakho. Ukuba umlingane wakho akayi kuhlanganisana nemali, banokuba bafihla umcimbi omkhulu. 08 Ukungayithobeli iMpawu zoMxwayiso
Kukho iimpawu ezilumkiso omele uzilinde ngaphambi kokuba utshatile. Ezi zinto ziyakunokuphelisa ngokukulimaza ngemali xa ugqiba ukuqhawula umtshato. Xa uthethe intetho yakho, kufuneka ukhangele izinto ezinjengeengeniso ezingaphantsi kunokuba zilindeleke ngokusekelwe kwimikhwa yokuchitha imali, ukungafuni ukuhlala phantsi nokuthetha ngemali, kunye neengxelo zemarike ezibi ngenxa yokuhlawulwa kwexesha elifutshane okanye iimali-mboleko ezingapheliyo. Abantu benza iimpazamo kwaye ukuba iqabane lakho liye lasebenza ekulungiseni iimpazamo zangaphambili , akufanele ubabambelele. Nangona kunjalo, ukuba akukho mqondiso wenguqu okanye ukuqonda ukuba kufuneka kuguqulwe, oku kufuneka kube yiflegi ebomvu. 09 Ukungasebenzi njengeqela
Ukutshata kuthetha ukuba kufuneka ube liqela. Oku kuthetha ukunganyaniseki. Kuthetha ukuzincama, kwaye kuthetha ukubeka iimfuno zabanye kuqala. Xa uqala ukutshata, kusenokuthetha ukuba nonke unomlinganiselo osiweyo wemali yokuchitha imali kwizinto ozithandayo xa usebenza kwiinjongo zakho. Umntu oyedwa unokusingatha iimali zemihla ngemihla kunye nokuhlawula iibhili, kodwa zombini kufuneka ube kwiintlanganiso zebhajethi kwaye nixoxe ngeendleko nganye ngeveki . Bobabili kufuneka ningene kwimpahla yenu yansuku zonke. Akufanele ufihle imali. 10 Ukunyamekela iziTyala zakho zeMatyala
Ixesha elifanelekileyo lokujongana namatyala akhoyo ngoku xa usuqala ukutshata. Kulula ukunyamekela phambi kokuba uthathe iindleko ezongeziweyo zokuba nekhaya okanye ngaphambi kokuba uqale ukuzala abantwana. Unayo imali engenayo xa unokutshata, kwaye ungayisebenzisa loo mali ukuqala ukujongana netyala lakho. Xa ungaphandle kwetyala, ungagxininisa imali yakho ngokugcina imali yokuhlawula indlu. Unokuthatha iifoto zokuphupha ozifunayo kwaye uzizonwabisa. Kwenza kube lula ukugcina imfundo yabantwana bakho kwaye ubonelele ngezinto eziyidingayo. Thatha ixesha ngoku ukuphuma kwetyala.