Ngokwe-February 2017 uphando olwenziwa ngu-LearnVest, abaninzi abantu baziva bengakhululekile ukuthetha ngemali yabo kunye nehafu yabo engcono. I-44% kuphela yabaphenduli bathi abazange baqikelele ukuveza iinkcukacha zezemali ezinje, ezifana nobukhulu be-akhawunti yabo yokugcina imali okanye ubunzulu beengxaki zabo zezimali, kumaqabane abo.
Okwangoku, iipesenti ezingama-20 zavuma ukuba azizange zixubushe ngokugqithiseleyo iingxaki zemali kunye namaqabane abo.
Nangona ukuthetha ngeemali kunye nomntu ozama ukuwao kunokuba neentloni okanye ezibuhlungu, kubalulekile, zitsho iingcali - ingakumbi ukuba sele uhlala kunye okanye uceba ukwabelana ngobomi bakho nabanye. Ukuya kwiingxoxo ezingenakunxulunyaniswa kunokukunceda ugcine ixesha okanye imali ngexesha elide ngenxa yokuba unokwenza izigqibo zemali ezintle; kunokunciphisa iingxaki oza kulwa ngazo ngemali kwikamva.
Nazi izinto ezisixhenxe zemali eziqhelekileyo ezisoloko zihlazo okanye zincinci ukuxoxa, kodwa zifanelekile ukuzisa:
Amanqaku akho ekhredithi : Unokuba ungafuni ukuvuma ukuba amanqaku akho okweleti-mboleko ayingaphantsi kokugqibeleleyo, kodwa ukwabelana ngamanqaku akho ekhredithi kunye neengxelo zemboleko kubalulekile ukuba uqinisekise ukuba wenze ukhetho olufanelekileyo lwezemali. Ngokomzekelo, ukuba uceba ukuthenga imoto kunye, kodwa elinye iqabane linomlinganiselo omncinci wesikweledu, unokufumana umyinge onomdla kwimali-mboleko yemoto ukuba kuphela omnye wenu osebenzayo.
Ngokufanayo, ukuba unetyala elininzi kufuneka udlulisele kwikharityhulam ye-credit card ephantsi, unokufumana into engcono xa umntu onomlinganiselo ophezulu wekhredithi usebenza ngawo.
Amatyala akho: Ukuxaka malunga namatyala akho kubalulekile ukucwangcisa ixesha elide-ngakumbi ukuba unamawaka eedola ebomvu.
Ukuba unamashumi amawaka eedola kumboleko wesikolodo somfundi okanye unzima ngokukhawuleza ukuhlawula amakhadi axhambileyo, wabelana ngala matyala kunye neqabane lakho. Unokumangaliswa ukufumanisa omnye wakho obalaseleyo unako kwaye unqwenela ukukunceda uhlawule loo matyala. Ukudibanisa imikhosi kunye nokusebenzisa zombini imali yakho ukuhlawula izilinganiso kunokukunceda ukuba ulahlekise ityala ngokukhawuleza. Ukongezelela, ukwabelana ngolwazi malunga nezilinganisi zakho kunokukunceda ukuba ulungelelanise uluhlu lwakho lwemali olulandelayo kwaye ukhethe isicwangciso esisebenzela bobabini.
Imilinganiselo yakho yokuchitha: Musa ukulibala ukuthetha ngokuchitha, kwakhona, ngexesha elizayo xa uxoxa ngezimali. Unokuba neentloni ukuvuma indlela ukukhwabanisa ngayo i-wallet yakho, okanye kaninzi kangakanani u-splurge kwi-junk ongayisebenzisiyo. Kodwa ukuthetha ngokunyanisekileyo ngemilinganiselo yakho yokuchitha imali kubalulekile ekudaleni uhlahlo lwabiwo-mali ozobambelela kuzo zombini. Ukusebenzisana kunye nohlahlo lwabiwo-mali kunye nokubambisana nabanye kunokuncedisa ukuba ulandelelanise kwiinjongo zakho ezilungileyo. Ukungafuni ukuphoxeka iqabane lakho lingenza izimangaliso ngenxa yokukwazi ukuthetha hayi xa uziva ulingwa ngumthengi.
Iirhafu zakho: Musa ukushiya kwi-akhawunti yakho ukuba uthethe ngesicwangciso sakho serhafu sonyaka. Kwakhona kubalulekile ukuthetha ngeerhafu lakho kunye neqabane lakho ukuze wenze izigqibo zezimali ezidibeneyo eziza kukugcina imali ngexesha.
Ngokomzekelo, unokufuna ukuxubusha ukukhawuleza imali yokuchitha imali yakho kwindlu yakho ukuze ukwazi ukupaka imali engakumbi kwi-akhawunti yomhlala-phantsi. Okanye unokuba ufuna ukunciphisa ingeniso yakho engenayo ngokunyusa iminikelo yakho yokunceda.
Ubomi bakho obuhle: Bangaphi abantwana oya kuthatha isigqibo sokuba uya kuba nefuthe elibi kumgca wakho wezantsi. Abantu abaninzi abanqweneli ukuxoxa ngeengxaki zemali zokuba nabantwana-ngakumbi xa bekhetha ukuba bangaphi. Kodwa yinto efanelekileyo ukuba ufuna ukuphepha ukuzithiba nokubeka ukhuseleko lwakho lwezezimali. Ukuthetha malunga namaninzi abantwana obafunayo kunye nendlela othembekileyo ukuphakamisa ngayo baya kukunceda ukuba unqume oko unokukwazi ukukwenza. Kuya kukukunceda ukuba uchaze ukuba omnye umlingani uzimisele ukuhlala ekhaya, uninzi kangakanani uzimisele ukuchitha ekunakekeleni kwezingane kunye nokuba ucinga kangakanani ukuchitha imali kwizinto ezongeziweyo, njengezikhefu zasehlotyeni, iinkampu zezemidlalo okanye iiklasi.
Ukuthanda kwakho kunye nezinye iinkcukacha zokuphela kokuphila: Akunandi ukuthetha ngokufa komnye; kodwa unokuzisola ukuba awukwazi. Qinisekisa ukuthetha malunga noko kwenzeka ntoni ukuba omnye wenu kufuneka aphephe ngokukhawuleza. Thatha ixesha lokuxoxa kunye nokusekwa ngokudibanisa ukuthanda kwakho kunye nezinye iinkcukacha ezibalulekileyo. Ngale ndlela, iqabane elishiyekileyo alilahlekanga ixesha okanye imali ezama ukufumana imicimbi yakho ngendlela. Kwakhona qwalasela ukongeza inshorensi yoluntu eyongezelelweyo-ngakumbi ukuba omnye wenu uncike kwiimali.
ISicwangciso sakho B: Unokuba unenjongo yokuhlala kunye kunye nobomi, kodwa kusekhona ukuhamba kakuhle kwemali ukuze uvumelane kwangaphambili malunga noko kuya kwenzeka xa uhlukana. Ukuvumelanisa kwisicwangciso sezemali kwisiganeko osiphulaphulayo siya kukugcina ixesha kunye neentlawulo zomthetho. Ukutyikitya isivumelwano esingenakubalwa kunokukunika uxolo lwexesha elide kwengqondo - ingakumbi ukuba iqabane elinye linemali kakhulu kunomnye.