Imbono yakho ngemali iya kuguqula ngokuphawulekayo xa utshata ngokubhekisele xa ungatshatanga. Ngaphambi kokuba nditshatile, ndandidla ukuchitha yonke ipenki endiyenza ngayo ikhefu ngalinye, ndingalokothi ndikhanyele into endiyifunayo kwaye ihlawulela ngokukhawuleza ukuhlawula imali , nangona ndineganga lekhontsi yam kwaye ndenza umvuzo omhle.
Ngandlela-thile, umyeni wam, uhlala echitha imali encinci, wayidla kakhulu, kwaye wathenga iimpahla ezincinci-oko kukuthi, xa uthenge nantoni na.
Xa sitshatile, kwakukho utshintsho kumacala omabini malunga nendlela yokusingatha iimali zethu. Nantsi indlela esatshintshile ngayo i-mindsets yethu ngemali kwaye sifunde ukusebenza kunye kunye neenjongo zemali ezifanayo.
Ukukuqonda Ngoku Uyakwazi ukuKhathalela ukuKhathazeka
Xa isibini esitshatileyo, kukho umthwalo wokuphendula uxanduva lwemali kunye noxanduva kumlingane wabo. Kuba nzima nakakhulu ukuhlalutya ezo zinto zithengwa, iiveki ezingaphezulu kweeveki kunye nabahlobo, okanye i-$ 100-kunye neeyure ezonwabileyo xa imali yakho ithintela omnye umntu.
Ingaba ungumntu ombini okanye ongenawo umtshato ongenamtshato, unabantwana okanye ungabikho, uhlala kwiphepha elifanayo neqabane lakho ngendlela osebenzisa ngayo imali kubalulekile. Zama ukumisela uhlahlo lwabiwo-mali olusebenzayo kwaye lusebenza kokubili. Qiniseka ukuba uquka izinto ze- budget line ezifana nokulondoloza umhlalaphantsi, ukuhlawula nayiphi na ityala, kunye neendleko zokuphila kwansuku zonke, kunye nokuchitha imali eyongezelelweyo.
Cwangcisa iinjongo zezimali ezicacileyo uze uzibeke kwindawo evelele (mhlawumbi kwifriji yakho okanye kumqulu owabelwana ngawo). Emva koko uze nesicwangciso sokufika apho.
Mhlawumbi uyasindisa ukuthenga ikhaya , ubeka eceleni imali yokuhlawula ityala, okanye ufuna ukuhamba uhambo oluqhenqileyo. Kungakhathaliseki ukuba yintoni injongo, ukuba neenkalo eziphambili zezemali kuya kuthintela ukudideka, kwaye kunokugcina enye iqabane lingagqithisi kwaye lichithe ingqalelo ngokungabonakali injongo.
Zifundise ngokwasemthethweni
Uninzi utshintsho xa utshata-kwaye ezibandakanya imimiselo yelifa lakho, imeko yezemali, kunye nayiphi na impahla okanye abaxhomekeke kuyo. Ngexa bejongene nemiba esemthethweni njengengxowa-mali yomshuwalense, ukuthanda, kunye nomhlalaphantsi kunokubonakala kukukhathaza, kuyinxalenye enkulu yokuguquka kwi-mindset eyodwa ukuya kutshata.
Ngoku lixesha lokuqinisekisa ukuba iziseko zakho zifakwe. Qiniseka ukuba nonke unemigaqo-inshorensi yobomi, ngokukodwa xa unesixa esikhulu semali ehlawulwe njengemali yokuboleka imali, okanye iindleko zokunakekelwa kwezingane ezide zinde. Kwakhona qiniseka ukuba abaxhamli kwiinkqubo zomshuwalense wakho wobomi zichanekile, kwaye ukuba bobabini unayo intando ehlaziyiweyo. Kwakhona, nonke nifanele niyazi onke ama-akhawunti enayo, kwiiibhanki, kunye nolwazi lonke lokungena ngemvume.
Hlala phantsi kwaye uthethe ngeenjongo zakho zokuthatha umhlalaphantsi , kwaye ukuba uhamba endleleni. Usenokufuna ukuqwalasela intlanganiso kunye nomcebisi wezezimali ukukunceda ubeke iinjongo ezicacileyo kwaye ufumene isicwangciso sokufika apho. Unokuqwalasela ukubeka intlanganiso yenyanga kunye neqabane lakho ukuba uhambe phezu kwebhajethi, indlela osebenza ngayo kwiinjongo zakho zezemali kunye nayiphi na imiba evelele.
Ulungelelaniso luyintloko
Wena kunye neqabane lakho niya kuba neembono ezahlukeneyo malunga nendlela yokuchitha nokugcina imali.
Zama ukukhumbula ukuba nonke nikhuliswa emakhaya ahlukeneyo ayenokuba nemigangatho eyahlukileyo yokusetyenziswa kunye nemeko yokujonga ngemali.
Ukutshintsha i-mindset yakho yemali ngomtshato kuku malunga nokufumana umgangatho ophakathi owenza ukhululekile. Ngokomzekelo, iqabane elingumdlali we-spender linokuziva lithintele ngaphandle kokuchitha imali eyongezelelweyo.
Ngakolunye uhlangothi, iqabane elincinci lingamenywa ukuthenga iimveliso zegama lomthengiso kunye nevenkile kwiindawo ezininzi zokugcina imali. Isibalulekileyo kukufumana iimali zakho ezingenakuthengiselwano zezimali kwaye zibahlonele, xa zisebenza ngohlahlo lwabiwo-mali.
Ngeze kube ngama-50/50
Njengomtshato wakho, akukho nto iya kukwahlukana ngqo 50/50. Kuya kuba kukho ukuguqulwa kwimivuzo, ngenxa yezinto ezifana nokulahleka komsebenzi, ukuguqula amasango, ukuba nabantwana, okanye ukungafani kwamandla okusekelwe kwiindawo ezikhethiweyo.
Elinye iqabane lingagqiba ekubeni libuyele esikolweni ukwenzela ukwandisa amandla ekufumaneni amandla kwixesha elizayo, lishiye elinye liqhubeke lizuza kwaye lixhase intsapho. Ngokukhawuleza, unokugqiba ukushiya umsebenzi wakho wesikhathi esigcwele ukuxhasa intsapho yakho okanye ukuphinda uqhube umsebenzi wokurhweba. Mhlawumbi elinye iqabane linomthamo omkhulu wetyala lomfundi , kanti enye ayinayo.
Ukutshintsha ingqondo yakho kumntu omnye umntu otshatileyo kuthetha ukukhumbula ukuba izinto aziyi kuhlala zihlala zikhona. Musa ukugcina amanqaku. Kunoko, sebenzisanani ukuze ufezekise iinjongo zakho zemali.
Khumbula Ukhona kwiQela elifanayo
Ekupheleni kosuku, kubaluleke kakhulu ukuba ukhumbule ukuba unguye kwiqela elinye. Ukutshata akukho ngaphezu kokubambisana; kubambisene nomthetho kunye nezimali, ngokunjalo.
Kungakhathaliseki ukuba ungaboni izinto ngendlela efanayo xa kuziwa kumtshato wakho kunye nemali (inqaku: awuyi kuyenza), uyinkampani yaye kuya kukunceda ekugqibeleni usebenze njengomnye-ngakumbi xa iza kwiimali zakho.
Ezinye iingcebiso:
- Qinisekisa kwibhajethi engqinisisekayo eyenza amaqabane omabini kunye nokuqwalasela indlela yokuphila yangoku.
- Gqiba kwizinto ezinjenge- inshorensi yomshuwalense kwaye uya kuthanda kunye, ngoko ke bobabini uyazi ngemigaqo-nkqubo ekhoyo.
- Cinga ukuhlangana kunye nomcebisi wezemali okanye ukufumana intlanganiso yenyanga kunye neqabane lakho.
- Gcina ukhumbule ukuba ikhredithi yomlingane wakho inokukuchaphazela.
- Enye yezinto ezimbi kunazo zonke ongayenzayo uchitha ixesha lomtshato wakho kwaye uqale umtshato wakho kwisikwere . Yibambelele kwisabelomali somtshato, kwaye ungasebenzisi imali engakumbi kunako.
- Yenza isivumelwano kubo bobabini bavumelana ngokuthenga okukhulu ngaphambi kokuba kwenziwe.