Kutheni abafazi abaninzi kangaka bebanika uxhaso lwezezimali kumlingane okanye nakwezinye izinto ezibalulekileyo kwaye bavumele ukuqhawula okanye ukufa kubangele ubumpofu? Kutheni abantombazana abaninzi bechitha imali engaphezulu kunokuba beyifumana kwaye baxakeke kwiityala?
Isiko seSizwe soBasetyhini kunye noPhando loPhando (NCWRR) sifundo sibonise ukulungelelaniswa ngqo phakathi kweempawu zobuntu kunye nemikhwa yakhe yemali.
Ukuqinisekiswa, ukuvuleka ukutshintsha, kunye nethemba elibonakalayo yiimpawu ezikhokelela ekukhethweni kwemali.
Umcwangcisi wezeMali , umbhali kunye nomncedisi weTV u- Suze Orman ukholelwa ukuba iingxaki zethu ngemali zibonakalisa iingxaki ebomini bethu nasebudlelwaneni. Sebenza kwimicimbi yeemali kwaye ezininzi zezinye iingxaki ziya kuzinyamekela; okanye, ukusebenza kwezinye iingxaki kunye neengxaki zemali ziya kuzinyamekela.
Kubantu abaninzi, imali yinkcitho ekhutshwe ngokomzwelo. Ingabonisa amandla, okanye uthando, okanye ukulawula, ngakumbi kwiintsebenziswano. Iinkolelo zethu malunga nemali kunye neengxaki zethu zengqondo zichaphazela kakhulu indlela esichitha ngayo nokuphatha imali.
Ukuba awukho apho kufuneka ube yimali, hlola oko kukuqhubelayo xa ufika kwimali kwaye uzame ukufumana izikhubekiso ezingokwengqondo ezikugcina uzimele ozimele ngokwezimali. Nazi ezilishumi zezona zinto zibaluleke kakhulu ngabasetyhini abanokuzenzela zona kunye nekamva labo lemali :
- Musa ukuthembela komnye umntu, njengendoda okanye intombi, ngokukhuseleko lwakho lwezezimali. Zifundise malunga nokuphathwa kwemali notyalo-mali.
- Beka iinjongo - kubalulekile ekuphumeleleni kwezemali . Bona Ukubeka iinjongo zeMali.
- Musa ukusebenzisa imali ukuze uzive ulungile. Olu hlobo luphezulu lukhawuleza. Endaweni yoko, yenza izinto ezikhuthaza ukuzithobela kunye nokudala ukuze ungafuneki loo mvakalelo ngokusebenzisa imali. Jonga I-Invocation to Splurge kunye ne -Psychology of Money Money .
- Sebenzisa imali encinane kunokuba uyifumana - yimfihlo yokudala ubutyebi. Jonga uhlahlo lwabiwo-101 .
- Fumana imfundo. Abantu abaneegreyitileji zeekholeji benza ngokweenqanaba elininzi kakhulu imali kunezo ezingenayo iidridi.
- Yakha ingxowa-mali . Ngaphandle komnye, ukulahlekelwa ngumsebenzi wakho okanye ukufaka ibhanti enkulu engalindelekanga kunokukunyanzela ukuba uthathe ityala elinzima lesikweletu , kwaye unokukufaka emngxoweni wemali eya kuba nzima ukuba akunakwenzeka ukumba indlela yakho. Jonga iiNgxowa-mali eziPhephayo: Kutheni ufuna Unye, Uninzi Kangakanani, kwaye Uphi na ukuwugcina .
- Bandakanyeka kwi-day-to-day management of your family's finances, kwaye uthethe ngemali kunye neqabane lakho. Jonga I-CFO yentsapho kunye neMibhangqwana nemali: Indlela yokuthetha intetho .
- Musa ukuthatha ityala lakho okanye iqabane lakho xa utshata. Lindela de kokubili ungabikho kwetyala ngaphambi kokuba udibanise iqhina, okanye uzikhusele ngesivumelwano sangaphambili. Abayena kuphela isityebi. Jonga ukuThengisa i-Financial Knot .
- Ungavumeli ukwesaba ukulahlekelwa yimali, ukwesaba ukungaphumeleli, okanye ukwesaba okungaziwa kukuyeka ukutyalo-mali. Qala Qala ukuTyala imali eneeMali ezincinane kakhulu zeMali .
- Funda kwimpazamo yakho yemali . Ungazivumeli ukuba zibambezele.
Ukhuseleko lwakho lwezezimali luxhomekeka kwisimo sengqondo kunye neenkolelo malunga nemali kunye nokuzimisela ukuthatha ikusasa lakho lemali kwizandla zakho.