Indlela yokuqinisekisa ukuba wena kunye nomlingani wakho uyavumelana ngezimali
Uthando nothando luzalisa umoya, kodwa ekugqibeleni, lixesha lokufumana izinto zangempela.
Ukuba uceba ukwenza ingxaki kunye nolunye olubalulekileyo, kuya kufuneka uxoxe ngemali . Ngokufanelekileyo, kufuneka ube nale ncoko kungekudala.
Ukuba wena kunye nezinye zakho ezibalulekileyo azihambelani ngemali, kungcono ukuba uyayiqonda oku ngoku kunokuba uphantsi komgwaqo.
Nazi ezinye zezinto omele uzigcine engqondweni xa uhamba ngendlela ekhohlakeleyo yobudlelwane kunye nemali .
1. Bhalisa i-Personal Personal Personal
Abanye abantu bangabasindisi bemvelo. Ukungabikho komthetho kubonakala kulula ngabo kwaye bakufumanisa ukuba buhlungu gqitha ukuba bahlukane nemali yabo enzima.
Abanye ngabathengi bemvelo. Baqonda ukuba imali iya kuba yinto enokuzonwabisa xa ichitshintshwe kwiimpahla kunye neenkonzo, kwaye zineengqondo zemali ezixhomekeke ekubeni zihlala ngexesha.
Abanye abantu bayavuya ngenxa yengozi yemali, njengokwenza utyalo-mali olukhulu, ngelixa abanye besoyika ngenxa yokulahleka kwaye banokukhetha ukugcina imali yabo ngokukhuselekileyo kwi-CD.
Kutheni ukuthambekela kwakho kwezezimali kunye naluphi ukuthambekela komlingane wakho okanye enye into ebalulekileyo ? Kungcono ufumane kwaye ukhawuleze.
Yiba nencoko malunga nokusetyenziswa kwemali yakho kunye nemimiselo yakho yokutyalo. Ukuchasene kukukhawulela, kodwa kukuya kuwe ukuqinisekisa ukuba baqhubeka bephila ngokuvuyisayo emva koko .
2. Xoxa ngeenjongo zakho
Mhlawumbi omnye wenu ufuna ukuhlala phantsi ngeminyaka engama-40, ngelixa elinye lifuna ukuhlala kwindawo ye-mega kunye nokuqhuba i-BMW.
Ukuba ngaba unamabini enu unenjongo ephikisanayo, unguye kwihlabathi leengxaki. Thetha ngombono wakho wobomi bakho unyaka, iminyaka emibini, iminyaka emihlanu, iminyaka eyi-10 kunye neminyaka engama-40 kwixesha elizayo.
Ufuna ukuhlala phi? Yintoni ofuna ukuyiqhuba? Ngaba ufuna ukuqhubeka usebenza okanye cha, kwaye ukuba kunjalo, ungathanda ukuthini?
Uninzi lwawo, ingaba ufuna imali engakanani ukwenza zonke ezo maphupha zifezeke? Xa uxoxa ngeenjongo zakho, uya kuba neendlela eziza kubelwa ixesha lakho, amandla, kunye neendleko zeedola.
3. Thetha ngeTyala
Ngaba omnye okanye zombini unalo nawaphi na amatyala? Uvela phi kwaye kubonakalisa iipateni zokuchitha ixesha?
Ukuba omnye wenu unemboleko yemali abaye bahlawula ngayo kwaye akukho tyala elongezelelweyo, umzekelo, unganakho ukukhathazeka. Mhlawumbi sele unemikhono emihle yezemali kwaye uhamba ngendlela efanelekileyo.
Ukuba, nangona kunjalo, omnye wenu unesixuku sonke sekhadi lesikweletu kwaye akabonakali ukuba ayeke ukongeza kweso silanki, ukuhlawula ukutya ukutya kunye neebhotile zotywala ngetyala, ngoko unokuba nemibandela ebalulekileyo yokufihla .
Ziziphi iimali zakho zangoku, kwaye ngaphaya koko, yintoni isimo sakho sengqondo malunga netyala? Fumana kwaye ukhawuleze.
4. Nguwuphi uhlobo loshishino okanye izingozi zokutshala imali ozofuna ukuzenza?
Mhlawumbi umntu omnye amaphupha okuvula i-bakery okanye ukuqala ukubonisana nabo, nangona amanye amaphupha okuba ngumtyalo-mali wezindlu.
Ziziphi iinjongo ngamnye ofuna ukuzenza? Umngcipheko omkhulu uza kubandakanywa? Ingakanani imali eya kufuneka?
Ulungelele kangakanani le mizamo? Ufuna nini ukusungula le mizamo, kwaye kuya kuba yintoni iqhinga lokuphuma xa lifuneka?
Nangona ufanele wenze izigqibo ngokusekelwe kwithemba kunokuba ukwesaba, kukulungile ukugcina isicwangciso esicwangcisiweyo .
Yiba nale ngxoxo kunye nezinye izinto ezibalulekileyo ukuze uqinisekise ukuba ngemali, njengokuba ebomini, uya kuhamba ngokusa kwelanga kunye.