Yenza "Umhla Wemali" Ngomyeni Wakho okanye Umfazi Wakho
Iingxaki zezemali zibonakaliso ezibomvu-iiflethi ukuba umtshato uzayo kwixesha elizayo, ngokutsho kwe-Jeffery Dew e-Utah State University. Wafumanisa ukuba imibhangqwana eyayilwa ngemali ngaphezu kwesinye ngeveki yayingamaphesenti angama-30 amathuba okuqhawula umtshato.
Ngaphezu koko, uphando lubone ukuba nangona abafazi bexela iingxabano malunga nemali kunye nesondo njengesizathu esikhulu sokuqhawula umtshato , amadoda abonisa ukungavumelani kwemali njengesizathu sokuphela komtshato.
Funda indlela yokuthetha ngemali yakho kunye neqabane lakho ngaphambi kokuba kube yingxaki ngokulandela la macebiso ancedo.
Yenza Umhla Weemali
Ukuthetha ngemali kuyingozi, kodwa akumele kube nzima. Ngokubambisana, wena kunye neqabane lakho kufuneka nilungise ixesha lokuxoxa ngemicimbi yezemali njengokuba uhlahlo lwabiwo-mali, ukugcina imali kunye nomhlalaphantsi.
Ukunikezela yonke ingqalelo yakho kule ntla nganiso. Fumana ixesha apho kungekho mntu uphazamiseka ngamafoni okanye abantwana bekhala.
Yenza usuku oluphuma kweso sihlandlo ngokuya kwi-cafe yendawo kunye ne-wifi yamahhala. Yenza ikhompyutha yakho kunye nokusebenzisa ixesha eliphumlileyo ngaphandle kwendlu ukuze ugxininise kwikamva lakho lemali. Phinda le ntlanganiso nganye nyanga ukuqinisekisa ukuba bobabini nidibana neenjongo zenu.
Bhala iileta
Fundani iinjongo zemali ngabanye ngokubhalela ileta omnye komnye ukuchaza izicwangciso zakho zezemali. Thetha kwileta malunga nexesha lakho elidlulileyo lwezimali, kubandakanywa nendlela intsapho yakho yokuphatha ngayo imali, kwaye ukuba ucinga ukuba ilungile okanye ayiyiyo.
Oku kukunika ingqiqo kwabanye ngabanye "imali yengqondo." Xoxa ngaba ngubani omele abe nokulawula imali kwaye ukuba ufuna i-akhawunti ehlangeneyo okanye ibhanki enye.
Xoxa ngendlela ocebileyo othembekileyo ukuba yiyo kunye nokuba uya kubayinikela ukuze ufike khona. Bhala uluhlu lwakho lomhlalaphantsi.
Buza imibuzo
Ngethuba lomhla wakho wemali, buza imibuzo yakho yeqabane malunga neleta yabo. Ingaba lakho iqabane livuya ngokuqeshisa, okanye ngaba ufuna ukuthenga indlu ngolunye usuku?
Umlingani wakho ufuna ukuyenza ngexesha lomhlalaphantsi? Bafuna nini ukuthatha umhlalaphantsi? Ngaba uya kuhlawula imfundo yekholeji yabantwana bakho ?
Khumbula ukuba akukho mntu ulungile okanye ungalunganga apha, kodwa nonke nifuna ukunyaniseka ukuze nisebenze ekucingeni indlela yokwehlisa.
Cinga "Thina"
Yenza uhlahlo lwabiwo-mali oluqinileyo kunye ngokusekelwe kwikamva eliya kuthi ufuna. Bhala isicwangciso usebenzisa amagama afana 'nathi' kunye 'nathi' esikhundleni sokuba 'mna' kunye 'nawe.' Umtshato ubambiswano, kungekhona ukunyanzelisa.
Ukuba unesiphelo se-spender / saver, kwaye ungumsindisi, velwano. Ukumangalela kuphela kukubeka abantu abakhuselayo. Ufuna ukufikelela kwingcambu yemicimbi yakho yemali.
Gxuma ngokujulile ukufumanisa ukuba kutheni omnye wenu ungumsindisi, kanti enye i-spender. Iileta zakho kufuneka zixelele ngokwaneleyo, kodwa ukuba azinjalo, kufuneka ufumanise izizathu zakho zezizathu zezimali zakho.
Mamela omnye nomnye
Ukuba iqabane lakho liziva likhululekile ukubeka i-$ 200 ngenyanga kwi-savings, cela.
Ingaba ngaba umlingani ufuna ukusebenzisa loo mali ukuhlawula ityala okanye iimali-mboleko zomfundi? Kungenxa yokuba bafuna ukutya okungaphezulu kwaye bahlale ekhaya ngaphantsi?
Mamela oko umlingane wakho athethayo kwaye ufumane ukuba kukho ukulungelelanisa okufanelekileyo. Kwakhona, zombini amaqabane kufuneka abe kwiphepha elifanayo ukuze uhlahlo lwabiwo-mali lusebenze.
Ukuthetha Ngeziphambeko
Umlingani wakho unokuchitha imali kwiqabane layo lohlahlo lwabiwo-mali. Musa ukubeka ityala xa kwenzeka. Endaweni yoko, fumana iindlela zokukhusela ukuba kungabikho kwakhona.
Ngokomzekelo, ngaba iqabane lakho lithengisa ngenxa yokuba ukulungiswa kwemoto kwakunendleko kunokuba kulindelwe? Yongeza imali engakumbi kwi "mali yokulungisa" ukukhusela iingxaki ezizayo. ( Olu phesheya lokusebenzela ibhajethi lunokunceda). Ukuphikisana nomlingane wakho ngaphandle kokuqonda into engafanelekiyo, okanye ukucinga ukuba kutheni bangaphaya, kuyimbuyekezo yentlekele.