- Ubunzima: Kulula
- Ixesha elifunekayo: iiyure ezimbini
Nantsi indlela
Okokuqala, kufuneka uxoxise nayiphi na amatyala onokuyenza. Ukuba unesikolo-mboleko somboleki, akufanele udibanise ndawonye. Kukho iintlobo ezininzi ezikuvumela ukuba ugcine okuhlukileyo. Ukuba unetyala lekhadi lekhredithi, kufuneka usebenze ngokukhawuleza ekuhlawuleleni. Emva kokuba utshatile, kufuneka ube nekhadi elilodwa lekhadi lesikweletu, kwaye kufuneka libe yi-akhawunti edibeneyo. Kufuneka usebenze ekuhlawuleni zonke iimboleko zomntu kunye. Ukuba nonke makhaya amakhaya, kufuneka niyithengise ikhaya elinye okanye zombini kwaye elinye ikhaya libekwe ngamagama akho omabini.
Okwesibini, kufuneka uxoxe nayiphi na impahla onayo. Oku kungabakho ukusindisa umhlalaphantsi, amakhaya onawo, iimoto, ukugcinwa ngokubanzi kunye notyalo-mali jikelele. Kubalulekile ukuba uqale ukujonga ezi ntlawulo njengemibandela. Ukugcinwa kwakho komhlalaphantsi kwizicwangciso ezingama-401k okanye ii-IRA zixhunyiwe kuphela kuwe. Unokukhetha kwiimali-mali zokufumana imali okanye i-asethi ukuhlawula ityala lakho .
Okwesithathu, kufuneka ukwazi malunga nemali yomnye kunye nokugcinwa kwemikhwa. Ngokuqhelekileyo ukuba ezi zifana noko, nangona unokulungelelanisa kwiindawo ezahlukeneyo ukuncedana. Kufuneka ukwazi ukuthetha ngokufanelekileyo ngolu hlobo, kwaye ukuba uyayiqonda isizathu sokuba uthanda ukuyisebenzisa okanye ukuyigcina ingenza ukuthetha kusebenze ngakumbi.
Okwesine, kufuneka uphume ngaphandle kwempahla yokuhlamba. Eli lixesha lokuvuma ukuba uye wavakalisa i-bankruptcy okanye uyeka ukuhlawula kumakhadi-mboleko. Kufuneka uqinisekise ukuba wenze ukudaliswa okupheleleyo kunye neenkcukacha zakho ngokukhawuleza ukuba ube ngumlingani malunga nayiphi na imiba enetyala . Oku kuyinyani xa ucinga ngetyala. Ukuba iqabane lakho liva ukuba ufihlile okuthile kuye, kunokubangela ukuba izinto zithembeke kakhulu kumtshato.
Okwesibini, kufuneka uxoxe ngendlela ovakalelwa ngayo ngemali. Oku kwahluke kunokuba usebenzise imali kunye nemigangatho yokulondoloza. Unokufuna ukuxoxa ngale mibuzo elandelayo: Abazali bakho baphatha njani imali yabo? Ngaba unokwenza okungafaniyo? Ngaba kufuneka usebenze nantoni na oyifunayo okanye ngaba abazali bakho banokukunikezela? Ngaba ubona imali njengesixhobo okanye njengomthwalo? Ngaba uthanda ukugcina okanye ukunika okanye uchithe kakhulu? Ngaba kufuneka sinike abanye imali?
Khumbula ukukhulisa ulwalamano lwakho ngokuchitha ixesha kunye. Unako ukuhamba kwimini engancinci ukuze uhlale uphila. Kwakhona kubalulekile ukuqhubeka uxoxa ngeemali zakho kwiintlanganiso zebhajethi kunye nokubeka iinjongo. Xa uvulekile ngakumbi malunga neemeko zakho, kuya kuba lula ukuqhubeka uxoxisana ngokuphumelelayo kumtshato wakho.