Abazali basebenzisa i-dollar eyi-10 000 ngomntwana wokuqala kunyaka, ngokutsho kophando oluvela kwi-BabyCenter.com. Yiyo i-$ 833 ngaphezulu kwinyanga nganye kunokuba sele usuchitha. Ngaba unako ukuwufumana?
Ingeniso yakho ingenakuqhubeka kunye neendleko zongeziweyo, ngakumbi xa uthatha ikhefu lokubeleka emsebenzini wakho. Ngokomthetho, umqeshi uyafuneka ukuba anike iiveki ezili-12 zekhefu, kodwa umyalelo awufuni ukuba abaqeshi bakuhlawule ngaloo xesha. Ukuba unesi-inshorensi yokukhubazeka, unokufumana ipesenti yomvuzo wakho, kodwa khumbula ingqalelo ukuba uya kusebenzisa loo mali engenayo ukuhlawula iindleko zonyuka.
Uxinzelelo lwezemali luya kuba lukhulu kunokuba usenokucinga. Kwinqaku malunga netyala lesana, i-TheNation.com icacisa uhla lwe-2006 ukuba i-7% yabafakeli be-bankruptcy baqeshwe ngokuzalwa komntwana njengesizathu sokutshatyalaliswa kwabo. Ukwazi ukuba, kufuneka uqale ukufumana iimali zakho ukulungelelanisa ukutsha olutsha ngokukhawuleza ukukhusela ubunzima bezemali.
Uhlahlo lwabiwo lweendleko zintsana . Ungalindeli de uze ukhangele iimali zakho, udale isabelomali sabantwana esekelwe kwiindleko ozilindeleyo. Yiba nembono ecacileyo yemali oya kuyichitha nyanga nganye xa umntwana efika aze abone ukuba unako ukuwufumana okanye ufanele uyenze ukwenzela ukuba uqinisekise ukuba ingeniso yakho ihlangabezana neendleko zakho.
I-baby centre entsha yokubala i-Baby Centre ingakunceda uceba isithuba sakho somntwana wokuqala kunyaka.
Lungisa indlela ophila ngayo kwi-akhawunti kwiindleko zenyanga zenyanga . Unokwazi ukunqumla enye imali ukuze wenze iindleko zentsana. Khangela ibhajethi yakho yangoku ukuze ubone iindleko ongazinqumlayo. Yenza utshintsho ngaphambi kokuba umntwana azalwe kwaye uya kukwazi ukuqala ukugcina ixesha lokukhulelwa kwakho.
Hlola ukhuseleko lwakho lwezonyango zokufumana umama . Funda ukuba zeziphi iindleko zokubeletha ezigqitywa yi-inshurensi. Unako ukufumana iindleko zeefowuni ngaphandle kokuba i-inshorensi yakho yempilo ibonelela ukutyelela ugqirha kunye neerhafu zokuhambisa. Unokwazi ukugcina imali ngononophelo lwangaphambi kokubeletha ngokuxoxisana nomboneleli wakho okanye ukuphuma kwezinye iimvavanyo kunye neenkqubo.
Qinisekisa ukuba ungeze umntwana wakho omtsha kwinshuwalense yezempilo emva kokuzalwa . Isilinganiso sakho asinakutshintsha ukuba sele usenokwenza isicwangciso seentsapho. Hlola nomqeshi wakho ukuba ufunde indleko yokongeza umntu oxhomekeke kwi-inshorensi yakho yempilo.
Buza izibonelelo zabantu malunga nokukhubazeka komqeshi wakho . Ukuba ubhalise kwi-inshorensi yokukhubazeka, unokufumana inxalenye yomvuzo wakho ngelixa usenokuba usakhulelwe. Hlola nommeli wakho we-HR ukufumanisa ukuba unjani umrhumo wakho oya kuwamkela kunye nokude kangakanani.
Hlola ukukwazi kwakho ukuthatha ikhefu elingakhokhelwa . Umthetho wezoNyango lwezoNyango lwezoNyango unika oomama abatsha amandla okuthatha iiveki ezili-12 zekhefu, ngexesha apho ungafumani nayiphi na intlawulo. Kufuneka ube necebo lokufaka iindleko zakho ngelo xesha. Abanye oomama bakhetha ukuthatha ikhefu elingama-6 okanye 8 ngeveki ukwenzela ukunciphisa ilahleko yengeniso.
Lungiselela kwangethuba . Ngoku lixesha elihle lokwakha i-akhawunti yakho yokulondoloza. Ngenyanga nganye zibeka imali eninzi ekulondolozeni kwakho njengoko unako. Imali inokukunceda ukuba uncedise imali engenayo xa uhamba ngekhefu, uhlawule iindleko ezingalindelekanga, kwaye uncedo lokuhlawula iindleko zonyango ezingabonakaliyo.
Khangela iindlela zokunciphisa iindleko kwiindleko zentsana . Musa ukuthenga iimpahla ezininzi okanye izicathulo ezincinci kuba abantwana bekhula ngokukhawuleza. Xa umntwana wakho angadla ukutya okuqinileyo, zenze zakho izithelo kunye nemifuno esitsha kunokuthenga ukutya kweebhotile.
Zama ukungathembeli kwiikhadi lakho lokuthenga ngetyala okanye ukuboleka imali xa useseholide . Ukunqongophala kwengeniso kuyesabeka, kodwa ukusebenzisa amakhadi akho ekhredithi ukuze udibanise unobungozi. Emva kokuba uqale usebenze kwaye ufumana ingeniso yakho epheleleyo, zibophezele ukuba uphile kwimali yakho engenayo.
Yenza amalungiselelo okuxhasa abantwana ukuba ungumzali omnye . Nangona kunjalo, zama ukuhlala kuphela kwimali yakho engenayo de uze uqale ukufumana iintlawulo zenkxaso-ntlawulo yenkxaso yemana.
Zithengela ukunyamekelwa kwabantwana eziya kufakwa kwisabelomali sakho . Ukunyamekelwa kwabantwana kungabiza kakhulu kuncike kwindawo ohlala kuyo. Ulondolozo lwenkonzo oluthandana nalo lungaphezulu kunokuba ungahlawula. Hlola ezinye iindlela zokunakekela abantwana, njengokuba nomhlobo okanye ukunakekelwa kwintsapho kumntwana wakho, usebenzisa ukunakekelwa kwentsapho yokunyanzelisa iintsapho, okanye ukuqeshisa umntwana.
Hlola kunye neSebe lakho lolawulo loluntu ukuze ubone ukuba ufanelekile naziphi na iinkonzo karhulumente okanye iinkqubo. Ezi zinokukunceda ukuncedisa ingeniso yakho okanye ukuhlawula ukutya, ukunakekelwa kwezingane, okanye indlu kuze kube yilapho unako ukukwazi ukukwenza ngokwakho.
Cinga ixesha elide kwaye unzima ngaphambi kokuba ushiye umsebenzi . Abazali abaninzi abatsha bajonga ukushiya imisebenzi yabo ukuze bahlale ekhaya kunye nosana. Ngamanye amaxesha aphelelwe ngumnqweno wokuchitha ixesha elininzi kunye nosana lwabo olutsha okanye mhlawumbi alukho mfuneko - izindleko zokunakekela abantwana zingenza kube nzima ukuqhubeka usebenza. Ukulahleka kwemali ingenokuba yingozi kwintsapho yakho ukuze ucinge ngokucophelela ngaphambi kokuyeka umsebenzi wakho ukuhlala ekhaya.