Ukufundisa umntwana wakho ngomntwana akulula. Kodwa ukuba ukwenza okulungileyo, ungazibeka ukuba ube yimpumelelo yezemali . Kwaye ngubani ongayifuni loo nto?
Ngezantsi, amacebiso ethu kunye neendlela zokufundisa umntwana wakho ukuba enze njani-kwaye unamathela kwi-bhajethi.
Qalisa Ngezinto Ezingundoqo
Ingaba umntwana wakho uyazi umahluko phakathi kweendleko ezilindelekileyo nezindleko? Iindleko ezifutshane kunye nexesha elide? Ungasindisa njani iinjongo zexesha elide lemali , okanye ungayichasa njani inkanuko yokuchitha imali engaphezu kokuyifumanayo?
Ukuba akunjalo, qalisa khona.
Kufuneka baqonde kwakhona iziseko zengeniso yangaphambili kunye nentlawulo yerhafu kunye nezinto ezisiseko zenzala . Ukuba banayo nayiphi na imali-mali, (njengaloo mpahla okanye u-Grandma umtakwabo uthenge ngawo wokuzalwa kwabo kunyaka ophelileyo,) kufuneka baqhelane ubuncinane kunye neziseko zeemarike zamasheya .
Ukuba ayingenayo enye, eli lixesha elikhulu lokuvula i-akhawunti yebhanki kumntwana wakho. Kufuneka ubhalwe phantsi njengomgcini kwi-akhawunti, ngaloo ndlela ungagcina iithebhu kwiindleko, ukukhutshwa kwee-overdrafts , ukuhlawulwa kwemali, kunye nayiphi na imiba. Emva koko, bancede izakhono zobuchule ezifana nokulinganisa i-checkbook (isikolo esikhulileyo, kodwa sisasebenziseka), usebenzisa ikhadi lokukhwabanisa, kunye nokugcina indlela yokuchitha imali kwi-portal kwi-intanethi okanye kwi-app.
Ngaba unomntwana oqaqambileyo ekulawuleni imali sele sele? Cinga ukuvula umlinganiselo wekhadi lesikredenti kubo, ngoko uncedise ukuba basebenzise ngokufanelekileyo-kwaye bahlawule-ibhalansi ngenyanga. Khumbula, akukafaneli ukuqala ukwakha ityala elifanelekileyo.
Zibandakanyeke
Baye bahlale kwiingxoxo zemali zentsapho malunga nokuhlahlo lwabiwo-mali. Qalisa ngokulula, kwaye ungalindelanga ukuba baqonde yonke into ngokukhawuleza, (oko kukuthi intlanganiso enzulu kunye nomcwangcisi wakho wezemali malunga nepototiliyo yakho yokutshala imali ingabanceda ukuba baphathe ngaphandle kokuba unayo izibalo kwizandla zakho.)
Kodwa vumela ukuba bathathe inxaxheba kwintlanganiso yakho yebhajethi yenyanga kunye neqabane lakho-okanye uhlale nabo kunye nokuhamba ngebhajethi yakho, ngomgca-ngomgca ukuba ungumzali omnye.
Ingcamango kukukhuthaza ukuqonda ukuba kungakanani imali ezayo, ukuba ikwahlula njani phakathi kweebhili, ukuchitha imali, utyalo-mali kunye nezinye iindleko ezifana nemfundo. Emva koko, banokubona ukuba kusele ubuninzi bezinto ezingabonakaliyo (iimpahla zokutya, izindlu zangasese, iindleko zonyango), kwaye ekugqibeleni, kusele kangakanani imali yokusebenzisa imali (ukutya ngaphandle, ukuthenga iimpahla, njl.
Ukusebenzisa le ndlela, unokubanceda babone ukuba yonke idola kwibhajethi yakho ibalwa. Kwaye xa imali ihambe, ayiyi kuphinda ichithe ngenyanga leyo. Oku kuya kubathintela ukuba bachithe ngaphezu kokuba bafumana njengabantu abadala, umkhuba ombi wezezimali .
Khumbula, indlela efanelekileyo yokufundisa abatsha ngokuphathelele uhlahlo lwabiwo-mali kukuba babone umzekelo wokwenene, umzekelo wokusebenza kwayo, ngoko ukubeka oko bakufundileyo kwinyanga nganye.
Ukubanceda Baphathe Imali Yabo
Ingaba ungumvuzo owanike wona okanye umvuzo kwixesha lesithuba, mhlawumbi intombazana yakho inokuphuma kwemali. Nangona le mali ingabonakala iyimfuneko, musa ukuvumela ukuba bachithe konke-ithuba elifanelekileyo lokubafundisa malunga nokuhlahlo-mali kwizinga elincinci.
Ncedeni ukuba bathathe iinqanaba ezahlukeneyo zohlahlo lwabiwo-mali kunye nokuba bangakanani imali yabo yokufaka nganye. Imizekelo ingaba: uhlahlo lwabiwo-mali, ukuphuma kunye nabahlobo, imali yegesi, ukugcina imali kunye nokunika uthando oluthandayo. Kodwa khumbula ukuba intsha ayinayo iindleko ezifanayo abantu abadala abazenzayo, ngoko ibhajethi yabo iya kubonakala ihluke kakhulu. (Ngokomzekelo, ayiyi kuba yinto ethile yebhajethi yokurenta, iindleko okanye ukutya.)
Cinga ngempumelelo xa intombazana yakho ihlula ngokuphumelelayo imali yayo kwiindidi ezihlukeneyo ezi-3-4-kwaye ayikucebisi ngemali ngexesha elizayo xa bephuma ekuthatheni i-pizza kunye nabahlobo kuba sele bebekele eceleni loo cash.
Baye Babambelele kwiBhajethi
Zama eli bhajethi yesampula ukunceda wakho umntwana ukuba asebenzise imali yakhe.
Isabelomali sethu sibandakanya iikholomu kwiimali zombini ezilindelekileyo, kunye nokuchitha imali / imali yokufumana imali, ngoko ke umntwana wakho ofumana i-time-time snapshot malunga nendlela abambelela ngayo kubhajethi yabo, okanye ukuba bafuphi kangakanani ukufezekisa iinjongo zabo zenyanga.
Iinjongo zenyanga zingabandakanya ukugcina inani elithile (i-$ 1,000 ibhonchmark efanelekileyo), okanye nokuba uthathe uhambo okanye ukuya kwikhonsathi enkulu kunye nabahlobo. Gcina ukhumbule ukuba le template elula. Ingane yakho ingongeza ezinye iindleko zenye iindleko, i-earnings, okanye inyanga yenyanga-tshintsho njengoko iqala ukufumana ngaphezulu. Le template inokuphinda iphinde isetyenziswe ngenyanga.
Ingeniso | Lindelwe | Eyona nto |
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