Ngaphambi kokuba Uhambe Ngezantsi, Qiniseka Ukuba Unayo "Imali Ethethayo"
Ingxoxo yeemali kunye nezinye izinto ezibalulekileyo-ikakhulukazi iqabane elilindelekileyo-akusoloko ixoxa njalo. Nangona kunjalo, ezi ntetho kufuneka zibe yinto ephambili phambi kokuba uhambe phantsi, ukuba inqanaba lomtshato ngenxa yokungahambelani kwemali liphezulu kakhulu.
Ukungabi kwiphepha elifanayo ngemali kunokuqhuba imibhangqwana ngaphandle kunye nesiseko esisisiseko, ukudibanisa iimali zakho kunye nobomi bakho bunokuba nzima. Ukusondela kule ngxoxo ngokunyaniseka nangokungafihli nto kunokukunceda ukuba uqalise kunyawo olunene.
Xa utshata , kukho ezintathu iindlela eziphambili zokujongana nemali yakho. Ezi ziquka ukugcina iimali zakho zihluke , ukudibanisa ezinye zeakhawunti zakho okanye ukubeka onke amaqanda akho eemali kwibhaksi enye. Inketho nganye ineempumelelo kunye neengxaki, ezibalulekileyo ukuba ziqwalasele njengoko wena kunye neqabane lakho libala imaphu yakho yezemali.
1. Iqabane ngalinye lilawula kwaye ligcine i-akhawunti yalo, i-akhawunti ehlukileyo
Ezinye izibini zineentlungu ezibandayo xa kuzibandakanya ukujoyina i-akhawunti yebhanki. Bangakhetha ukulawula nokugcina ii-akhawunti zabo ezihlukeneyo. Ngethuba elifanayo, banokuzibophezela kwisondlo ngasinye esivunyelweneyo ngenyanga, kunye nokwahlula izindleko zendlu.
Iinkonzo: Akufanele ukhathazeke malunga neqabane lakho elinemikhono efanayo yokuchitha imali njengoko wena kwaye ungaqhubeka nokulawula imali yakho. Oku kukudibanisa ukuba unenkxalabo malunga nokuncama kwanoma yikuphi ukuzimela kwakho kwezezimali.
Umxhasi: Yenza ibhilikhwe ihlawule umncinci omncinci kwaye uya kufuneka udibanise malunga nokuba ungakanani umntu ochithayo.
Ukuba elinye iqabane lingesetyenziswano esihle, oku kungabangela imiba. Ukongezelela, ukuba kukho into eyenzeka yenzeke kumlingane omnye, kunokuthatha inyanga ngaphambi kokuba umlingane ohlala efikelela kwimali.
2. Isibini sidibanisa imali yabo
Ukuba isibini sithatha isigqibo sokudibanisa imali yabo, umlingane ngamnye ugcina i-akhawunti yebhanki eyahlukileyo apho abeka khona imali yokuhlawula imali, kwaye ke kukho i-akhawunti edibeneyo exhaswa ngababini bomtshato apho iindleko zihlawulwa .
Iinkonzo: Iinjongo kule meko kukuba ngamnye unako ukugcina ukuzimela, ngelixa edlala indima ekwabelwana ngayo ekulawuleni imali yakho. Yaye xa iibhokhwe zihlawulwa kwiakhawunti enye, kuthatha ukuthatha uxinzelelo ekugcineni umkhondo wezinto ezihlawulwe kunye noko kungenako.
Umgcini: Ukuba ne-akhawunti ezininzi ukulawula kunokudideka kakhulu, ngakumbi ukuba omnye wenu uhlelekile ngakumbi kunomnye. Kwakhona, ukuba wena kunye neqabane lakho nifumana imivuzo eyahlukeneyo, kuya kufuneka ukuba nibone ukuba yeyiphi iipesenti nganye yemali yakho yemali efanelekileyo ukuba ngamnye abe negalelo kwiindleko ezabelwana ngazo.
3. Beka yonke imali ndawonye kwimanyano- njengomtshato wakho!
Kule meko, uzimisele ukuseta i-akhawunti yebhanki ehlangeneyo apho zonke iifizi zokuhlawula zifakiwe kwaye zonke iindleko zihlawulwa ngayo.
Nayiphi na imali yokuchitha imali, kunye neyezinye izinto ezithengwayo ziphuma kule akhawunti enye. Unokugqiba nokunika isamba esibekiweyo ngenyanga nganye kwi-akhawunti oyisebenzisayo njengoko unqwenela.
Iinkonzo: I-akhawunti ehlangeneyo yebhanki inokunikela ubungqina bunyano kunye nentsebenziswano. Ukuba ugxininise ukulungiswa kakuhle kohlahlo lwabiwo-mali, kuya kuba lula ukulandelela imali ezayo ngokuchasene nemali ephuma ngenxa yokuba uwonke obala.
Umxhasi: Enye yeqhinga eliphambili kulo mgaqo-siseko wesibini esitshatileyo kukuba omnye okanye bobabini abalingani banokuvakalelwa kukuba umntu uhlala ekhangele emagxeni abo. Ukongezelela, ukuba elinye iqabane lisetyenziselwa ukuchitha imali ngokukhululekile kunomnye, kuya kubonakala ngokucacileyo kwaye oko kungaholela kwimpikiswano yemali.
Kungakhathaliseki indlela okhetha ngayo, kubalulekile ukuba izibini zisebenzisane kunye nesisombululo esinezixhobo ezintle.
Ukufumana i-compromise kunokuthatha ixesha kwaye kungadinga ukuhlolwa kwemikhuba yakho yokuchitha imali kunye neenkolelo malunga nemali. Ukudala isicwangciso sokulawula iimali zakho ekuqaleni komtshato kunokunceda ngokukhawuleza emva kokuphela kwexesha lokutshata.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.