Uninzi lwezicwangciso zokuhlawula amatyala aluphumelelanga ngenxa yokuba akukho nto ikhuthaza ngayo. Unokuqala ngokushukumisela ngokupheleleyo ukuba ube ngetyala elingenasikweni, kodwa unokudimazeka ngokukhawuleza ngexesha kunye nomgudu owenza ukuba ubone isicwangciso sakho yonke indlela.
Ukuba ufuna ukuqhubeka nokukhawuleza ekuhlawulweni kwetyala lakho, kufuneka uhlale ukhumbuza ngezizathu ofuna ukuphuma kwetyala. Kuya kuhlawulelwa njani ukuhlawula iibhili zakho ezigqityiweyo ubomi bakho? Yintoni ongayenza xa unetyala elingenakukwazi ukwenza ngoku? Ukuba uthe wagxininisa ngesisusa sokunyanzela ityala, zezi zizathu ezi-9 kufuneka ube netyala elikhululekile.
01 Ukwandisa ukhuseleko lwakho lwezezimali
02 Imali Eninzi yokuchitha kwizinto ozonwabeleyo (ngaphandle kokuvalelwa inetyala).
Ukuhlawula kwiityala kukushiya ngemali encinane ukwenza izinto ofuna ukuzenza empilweni.
Ngelishwa, le sizathu sokuba abantu abaninzi baphele ekujuleni kunzulu. Abakwazi ukuthenga izinto ngenxa yetyala abanalo, ngoko basebenzisa amatyala amaninzi ukuthenga kuze kube sekupheleni kwentambo yabo yokuboleka. Ukuhlawula ityala lakho liphelisa lo mjikelo onobuqili kwaye ukhulula imali yakho ukuthenga izinto ozonandipha.
03 Ukunciphisa uxinzelelo kuBomi bakho
Amatyala angakhokelela ekubeni uxinzeleleke ngakumbi xa ukhathazeka malunga nendlela uza kuhlawula ngayo zonke iintlawulo zematyala kunye nezinye iindleko zokuphila. Ukuxinwa kancinci rhoqo ngexesha elikhawulezileyo kungonakalisekanga, kodwa uxinzelelo oluqhubekayo lunokubangela kwimicimbi enzulu yempilo kuquka imigraines kunye nokuhlaselwa kwentliziyo. Kwezinye iimeko, ukuba netyala elikhululekile lingasindisa ubomi bakho.
04 Ukunciphisa inani leeMithetho oyiNtlawulo
Abantu abaninzi obabolekileyo, iindleko ezininzi kufuneka uhlale nazo kwaye uhlawule. Emva kokuba unetyala elikhululekile, uya kuba neebhanki ezimbalwa eziza ngeposi nganye ngenyanga. Uza kuba neendleko ezimbalwa zenyanga ukukhathazeka ngazo, izinto ezinjengeenkonzo, inkonzo yomshuwalense kunye nenkonzo yefowuni - zonke iindleko ezingenazo iintlawulo ezincinci kunye neerhafu zenzalo kunye nezibophelelo zexesha elide.
05 Ukuphucula umvuzo wakho
Inkokhelo eninzi kakhulu, ngokukodwa ityala lamatyala ekhredithi, linokuchaphazela okubi kumanqaku akho. Xa ukulinganisela kwekhadi lakho lesikweletu liphakanyiswe nomlinganiselo wakho weentengo zemali, umlinganiselo wakho wekhredithi uthatha. Into efanayo isebenza xa izilinganiso zakho zemali mboleko ziphakanyisiwe xa kuthelekiswa nemali eyayibolekwe kuyo. Ukuba netyala elikhululekile kukuvumela ukuphakamisa amanqaku akho.
06 Ukufundisa abantwana bakho imikhuba emihle yemali.
Xa kuziwa kwiimali, kungcono ukukhokela ngomzekelo. Ukuba ufuna abantwana bakho bahlale kude namatyala, baxelele ukubaluleka kokuba netyala elingenasikweni kwaye ubonise ukuba ngaba netyala likhululekile. Ngaloo ndlela, izifundo zakho zezimali azibonakali zikhohlisi.
07 Ukufumana Impahla Yakho
Xa une-mortgage, awunayo ikhaya lakho, ibhanki injalo. Into efanayo iya kuhamba ngemoto yakho kunye nemali mboleko yakho. Ukuba netyala inkululeko, unayo indlu ohlala kuyo, imoto oqhubayo kunye neengubo ozigqokayo. Awunakukhathazeka ngomntu othabatha izinto zakho ngenxa yokuba awukwazi ukuhlawula iintlawulo.
08 Ukwandisa Iimbuyekezo Zakho zeKamva
Nanini na xa uboleka imali okanye uhlawulisa into kwikhadi lesikweletu, uvele uboleka kwiholo lakho elizayo. Ngoko, i-$ 1,000 okanye i-$ 100,000 oyichithayo namhlanje iya kuthathwa kwizinto oza kuzifumana kwiintsuku ezizayo.
Inyaniso, ityala linciphisa izinga elizayo lokuphila, ngokukunika imali encinci yokuphila kunokuba unayo namhlanje. Yenza ininzi yengeniso okulindele ukuba uzuze ngokuthatha amanyathelo ukuba ube yi-free free.
09 Phuma kwiMfesane yabathengi bakho
Ngethuba nje unetyala elibalaseleyo, awuyi kwenza izigqibo malunga nemali yakho, ababolekisi bakho benza. Benza isigqibo sokuba uhlawula phi na xa uhlawula. Kwezinye iimeko, zinokunyusa izinga lomyinge kunye nenkokhelo encinci kwaye ikunike ngaphantsi kweenyanga ezimbini ukulungelelanisa uhlahlo lwabiwo-mali ukuze ulungele. Ukuhlawula amatyala akho kunye nokuhlawulwa kwetyala kukubeka ekulawuleni ngokupheleleyo kwemali yakho.