Iinqunto ozenzayo ngoku ziya kuba nefuthe elihlala njalo
Nangona kunjalo, kubalulekile ukuba uqaphele ukuba ubuninzi bakho bokulawulwa kwemali bunokukubiza njani kwikamva. Kuza kuza iphuzu apho ukhetho lwakho lokuphatha imali luya kufumana kuwe. Unokhetho lokwenza ukuba ixesha elihle okanye elibi. Ngokwenza izigqibo ezilungileyo ngoku kwaye usebenza kuzo ezi njongo , uzimisele ukuzibekela ikamva elikhuselekileyo, ekugqibeleni liya kukuvumela ukuzikhethela ngakumbi. Ukuphepha iimpazamo zemali kuza kwenza ukuba amaphupha akho afumaneke lula. Izinketho ezincinane ezilula zidibanisa ukuba zibe nefuthe elihle okanye elibi kwiimali zakho. Ikofu yekhofi ingongeza ngaphezu kweedola ezili-1200 ngonyaka, kwaye nangaphezulu ngaphezulu kweminyaka elishumi. Ukuthenga okuncinci ngokwenene kunempembelelo enkulu kwikamva lakho.
Iinqununu zeMali eziBulumko ziya kwandisa amathuba akho
Unokuba unomnqweno wokuhamba phesheya ngokubanzi. Ngokwenza izigqibo ezifanelekileyo zokulawula imali ngoku, unokuvula loo minyango ngokukhawuleza.
Ukongezelela, awuyi kudingeka ukuba uye ematyaleni ukuzalisekisa amaphupha. Injongo yakho inokuba ngumninikhaya okanye umhlalaphantsi. Ukulawula imali yakho nokwenza izigqibo zobulumko kuya kuvula umnyango ukuba uphumelele amaphupha akho. Ukuba uqala ukucwangcisa nokulondoloza ngoku, awudingi ukukhathazeka ngeemali zakho nakwixesha elizayo.
Iinqununu eziNcinci zingenza ukuba amathuba akho athathwe
Ngokudabukisayo, ndiyazi abantu abaningana abanezigqibo eziphathekayo zokuphathwa kwemali ngelixa abaneminyaka engama-20 kunye nabangashadile baye bachaphazela kakubi ngokuhamba kwesikhathi. Uya kuhlawula ngokwenene ezi zigqibo kwiminyaka emininzi elandelayo. Inani lemali-mboleko yekhadi lesikweletu oqokelela ngoku liya kukulandela xa ulunzima ukuhlawula imali. Ukongezelela unako ukukwazi ukutshintsha imisebenzi ngokulula okanye ukuvula ishishini lakho ngenxa yeengcinezelo ezithatha inkokhelo okanye ukungabikho kokulondoloza kukubeka kuwe. Ukuba sele usenzile le mpazamo, unako ukulungisa kwaye uqale uqale ukuba uphume kwetyala kwaye ulawule imali yakho, kulula kakhulu ukuguqula umfanekiso wakho wezezimali.
Indlela oLawula ngayo imali yakho ngoku iya kuba nefuthe lakho
Kubalulekile ukuba uqaphele ukuba inkcazo yokuthatha isigqibo malunga nendlela oya kuphumelela ngayo ukuthetha ngokwezimali (ukulungiswa kwemali yakho), ayinanto eninzi yokwenza ngayo ubuninzi obwenzayo. Unokuchitha ixesha elininzi okanye ngaphezulu kunokwenzayo kungakhathaliseki ukuba umvuzo wakho. Imali yakho isixhobo olawulayo. Unokwenza isigqibo sokuba ubomi bakho bube njani kwiminyaka engamashumi amahlanu alandelayo. Isibalulekileyo kukuhlahlo- lwabiwo-mali , gcina rhoqo , kwaye uphume kwetyala . Enyanisweni ukuze wenze uhlahlo lwabiwo-mali ngokuphumelelayo kufuneka ubeke eceleni imali nganye nyanga nje ukuzonwabisa.
Inani lixhomekeke kwimpilo yakho, izinto eziphambili kunye nezinye izibophelelo. Thatha ixesha ngoku ukwenza izigqibo ezilungileyo zezezimali , ngoko unokuyonwabela ubomi bakho ngoku nakwixesha elizayo.
Thatha ixesha lokudala iSicwangciso seMali esiPhezulu
Ngocwangciso oluncinane, kufuneka ukwazi ukunyamekela imali yakho kwaye uyeke ukukhathazeka. Ngoku yisihlandlo sokuphishekela amaphupha akho . Uhlahlo lwabiwo-mali kunye nesicwangciso-mali siya kwenza ukuba iingcango zivulekele kuwe xa ufika kwindawo ofuna ukuyithenga ngayo okanye uthathe inyathelo elilandelayo lemali ebomini bakho. Thatha amanyathelo ngoku ukuze wenze okukufunayo kwixesha elizayo. Isinyathelo sokuqala kukusekela iinjongo zakho, uze udale uhlahlo lwabiwo-mali oluya kukuvumela ukuba ufikelele kuzo. Unokufuna uncedo lokutyalomali okanye enye imibuzo onokuyenza.