Indlela Yokufundisa Abantwana Bakho Ukuba Abadala Abaphumelelayo Ngezezimali

Ezinye iiDola eziSiseko kunye neNkcazo ngeMali yezeMali yabantwana

Izingane zifunda njani ngemali? Ngokuqinisekileyo akunakwenzeka nge-osmosis, nangona kukho into ekuthethayo ngokufundisa ngomzekelo. Nangona abantwana bengenakufunda ngokumangalisayo ukuba babe noxanduva lwezezimali, nabo baqhelekanga ukuba bafunde izikr Kunoko, kufuneka bafundiswe imigaqo yemali ephathekayo yemali ekhaya kwaye bavumeleke ukuba baqhelise (kwinqanaba elifanelekileyo) ukususela kwiminyaka yobudala.

Ingozi yokungafundisi abantwana bakho ngemali

Xa wanquma ukukhulisa abantwana, mhlawumbi kwakungeke ilahleke kuwe ukuba kuya kuba kuwe ukukunceda ukuma lo mntu omncinci kumntu omdala kunye nangaphezulu. Mhlawumbi uqaphele ukuba kufuneka ufundise umntwana wakho ukuba athethe, agibele ibhayisikili, mhlawumbi nokuba angabelana njani. Kodwa ngaba uye wacinga ukuba ufanele ufundise ngemali? Ukuba awunayo, awuyedwa. Uninzi lwabantu alukwazi ukuchaza isifundo esithile semali esingakhange sifunde ngendlela enzima: ngamava. Kodwa unako, kwaye ufanele , ufundise umntwana wakho ngemali nakwezemali.

Enyanisweni, kwincwadi yakhe ethi Izibonelelo: IiDola kunye neSense, umcwangcisi wezezimali uPaul Lermitte uchaza inkqubo yokufundisa abantwana bakho ngemali. Kodwa ngaphaya kwele nkqubo, uthetha ngeengozi abazali abajamelana nazo xa bengenawo inkqubo yokufundisa abantwana babo imikhuba enempilo kunye neengcinga zabo ngemali.

Ayithathi lonke uluhlu lweengozi ezithandathu zokuqiniseka ukuba ukufundisa abantwana bakho ngemali kubaluleke kakhulu ngokubafundisa ukuba bafunde. Izingozi zikaLermitte ziquka:

1. Ukuxhomekeka kwezemali: Iimvana zakho zingaba ngumntu ongenamsebenzi ongenamdla, unobuncwane bezakhono zemali, ube netyala kakhulu, kunye / okanye uhlale unomxhomekeke kwimali.

1. Iimpawu ezibhubisayo: Iimvana zakho zingahlakulela ubudlelwane obuyingozi kunye nemali, ngokulinganayo kunye nokuzixabisa okanye ukuba ngumlutha wempahla. Basenokukholelwa ukuba ulonwabo lwabo luxhomekeke ekubeni nazo zonke izinto zakamuva kunye neemathoyizi.
2. Amatyala: Iimvana zakho zingaba ngamaxhoba okutshatyalaliswa kwetyala lekhadi lokuthenga ngetyala kwaye azinakho ukuqonda indlela yokubeka iinjongo zemali, ukugcina imali kwixesha elizayo, uhlahlo lwabiwo-mali okanye ube ngumthengi onobulumko.
3. Ukulahlekelwa Ngokwethemba: Izingane zakho zingenakho ukuzithemba ukwenza izigqibo zemali ezifanelekileyo, ezinokuchaphazela ezinye iindawo zobomi babo.
4. Ukufundisa Into Engalunganga: Naphezu kweenjongo zakho ezilungileyo, ungazifundisa ngokungazenzisiyo abantwana bakho amaxabiso angalunganga ngemali.
5. Ingxabano yentsapho: Iintsapho zihlala zihlanjululwa yimpikiswano yezemali. Ufuna imigaqo eqinile kunye nesicwangciso senzoko ukukhusela ingxabano kunye neengxabano malunga nemali enokutshabalalisa ubudlelwane beentsapho.

Ngoko uza kubafundisa njani abantwana bakho ukuba baphumelele ngokwezemali, baphephe ukuhlala kwi- paycheck ukuhlawula imali , kunye nokucaca ngokukhawuleza kwetyala lekhadi lesikweletu elikhubazayo? Zonke ziqala ngamava anenjongo kwaye akhokelwayo.

Ukuziqhelanisa kwenza ukuba uphumelele: ukwenza iimali zakho kunye nezingane zakho

Ukuba ufuna abantwana bakho bakhule ukuba babe ngabantu abadala abanemali, kufuneka ubavumele ukuphatha imali rhoqo kwaye ukususela kwiminyaka yobudala.

Kufuneka baqhelise ukuchitha imali, ukugcina, kunye neebhanki. Kufuneka bafunde oko kuvakalelwa "ukubethelela" yonke imali yabo kwinto enobungakanani kwaye abanakho imali ekhoyo kwizinto abazifunayo okanye abazifunayo. Kodwa uqala phi?

Indlela yokufundisa abantwana bakho ngemali

Kwincwadi yakhe, uLermitte uxubusha imigaqo yendalo yonke efunekayo abazali ukuba baqonde kwaye bayenze ukuze bafundise abantwana babo uxanduva lwemali. Nazi ezinye zeemigaqo omele uzigcine engqondweni xa uqala ukufundisa abantwana bakho ngemali:

• Ukuthetha ngawo: Xoxa ngemicimbi yezemali kunye nezingane zakho ngokuqhubekayo. Oko akuthi ukuba kufuneka ubeke umthwalo wakho kubantwana ngemicimbi yemali okanye naluphi na ubunzima bezezimali zeentsapho, kodwa kunokuba kufuneka uthathe ithuba elihle lokuxoxa ngemali kunye nezigqibo zemali zakho kunye nezingane zakho.

• Qala ekuqaleni: Kodwa akuthethi nje ngokuthetha ngawo, kuqala ngokuqala. Kukhethwa ukuba uqale ukuxoxa ngemali kunye nezingane zakho ngo-5 okanye 6 ubudala. Ngelo xesha, kuya kuba yizona zinto ezisisiseko, kodwa kubalulekile ukuba baqonde ukuba izinto zibiza imali kunye nokuba imali leyo yenziwa njani kwaye iphathwa njani. Akusiyo ingcinga embi ukuvula i- akhawunti yokugcina imali elula egameni lomntwana ukuba baqale ukufunda ukusebenzisa.
• Nika ukulawula: Vumela abantwana bakho benze izinto ngokwabo. Makhe benze iibhanki idibanise kwaye ihoxise kwi-akhawunti yabo (ngoncedo lwakho). Maye bazenzele izinto zabo zokuthenga ngemali abanayo ukuba ingaba ngumhla wokuzalwa kumkhulu okanye imali abaye bafumana imisebenzi ekhethekileyo. Makhe bathathe isigqibo sokuba bafuna ukuchitha imali yabo. Banike isiluleko, kodwa bayeke benze ngokwabo. Inqanaba elincinci nelona likhuselekileyo lokufunda ngokusebenzisa (amaziko).
• Makhe benze iimpazamo: Ngaphandle kwesigxina esifanayo sokuyeka ukulawula, ukuvumela abantwana bakho benze iimpazamo kuyingxenye yokubafundisa. Nangona ucinga ukuba abantwana bakho bachitha imali yabo kwizinto ezingalunganga, vumela benze. Baza kufunda kulo, kwaye unokuthetha ngawo.
• Beka imida: Nangona uthetha ngemali, uqala kusasa, ulawule ulawulo oluthile, kwaye uvumela abantwana bakho benze iimpazamo, usafuna ukubeka imida. Beka imida yokugcina iimpazamo zabo zikhawulelwe kwizifundo ezincinane. Beka imida njengemali ephakamileyo ngokwaneleyo ukuze ufunde ngemigaqo ebalulekileyo yemali, kodwa kungabi phezulu kangangokuthi baqala ukucinga ukuba imali ayinomkhawulo. Baye bafunde ukwenza ukhetho ngokusekelwe kwimida yemali.

• Ukubonelela ngesakhiwo: Okokugqibela, kodwa kungabi ncinane, ukubonelela izifundo zakho zibonakala zakhiwo. Isakhiwo siya kunceda abantwana bakho basebenzise isicwangciso sokugcina kunye nokuchitha imali ukuze bafumane uhlobo oluthile lwenkqubo yokusebenza ngaphakathi njengoko ubancedayo kwaye bavumele ukuba bafunde imigaqo-mali ngokwabo.

Ezinye izixhobo zokufundisa abantwana bakho ngemali

Incwadi ye-Lermitte yemali yemali ichaza yonke imigaqo ebekwe apha ngasentla ngokucacileyo, kwaye ichaza iindlela azisebenzisa xa efundisa abantwana bakhe ngemali. Incwadi iya kufikelela ekunikeni iimpendulo ezinengqiqo kwimibandela eqhelekileyo yabazali, njengale:

• Ungayifundisa njani abantwana bakho ukuba baxabise imali xa bengasebenzi emsebenzini?
• Uqala nini ukunika abantwana bakho isibonelelo kunye nokuba kufuneka kube yimalini?
• Ubafundisa njani ukugcina ixesha elide kunye nexesha elide?
• Ubeka phi umgca phakathi kwe "ufuna" kwaye "ufuna"?
• Unceda njani ukuba benze izigqibo zokuthenga ngokuhlakanipha?
• Unokwenza njani ububele kunye nezingane zakho ngaphandle kokuzichitha?

Unokukunceda abantwana bakho bafunde ubuchule bokulawula imali obuya kubabangela abathengi abahlakaniphile kunye nabantu abadala abaphumelelayo nabaphumelelayo, kodwa kuphela xa uqala kusasa kwaye ulandele inkqubo yokufundisa kunye namava athile.