Kungekudala ndivile imibuzo emininzi malunga nabantu bazibuza ukuba kulungile ukufumana imali encinane kubazali babo emva kokuba baphumelele kwikholejini. Aba aqhelekanga abantu basaphila nabazali babo . Abaninzi bala bantu sele benemisebenzi, kungekhona imisebenzi emininzi, kodwa imisebenzi ehloniphekileyo, kodwa bafuna ukuqhubeka nendlela yokuphila ephezulu okanye bafuna ukufudukela kwindawo ebiza kakhulu yokuhlala.
Umbuzo obalulekileyo ukuzibuza.
Kuphi ukuzimela kwezeMali?
Kukho iinkcazelo ezimbini ezahlukeneyo zokuzimela kwemali. Iyokuqala iyayixanduva ngokupheleleyo kwiindleko zakho. Kule meko, awunakuthembela kubazali bakho ngokuxhaswa. Ufake iindleko zakho zemihla ngemihla, ucwangciso lwekamva kwaye uyakwazi ukuhlangabezana neemfuno zakho ezisisiseko.
Uhlobo lwesibini lokuzimela ngokwezimali yiyona nto apho ungasadingeki usebenze ukuze uhlawule iindleko zakho zemihla ngemihla. Ngokuqhelekileyo, oku kuthetha ukuba unako ukugcinwa okwaneleyo kunye notyalo-mali oza kuphila kulo mdla ovela kubo. Le yinjongo yokugqibela yomhlalaphantsi. Xa usifikile kule ngongoma, akufuneki ukuba usebenze kwaye unokuphinda ulandele umdla obaluleke kakhulu kuwe.
Ngifanele Ndibe Yiziphi Iimali Ezizimeleyo Kubazali Bam?
Ngokufanelekileyo, kufuneka ube ngumntu ozimele ngokwasezimali kubazali bakho ngokukhawuleza.
Oku kuthetha ukuba unembopheleleko yazo zonke iindleko zakho kunye nokuba awufumani isigqibo senyanga okanye uhlolisise kumama okanye utata ukukunceda ukuhlawula iibhili. Ukuba wenza njalo unokuba ngumxhomekeke kubazali bakho. Ikhokelela ekulawuleni imali embi kwaye ungaphelela kwimeko embi xa bengasakwazi ukukunceda.
Ukuba uhlala ekhaya, kufuneka uqinisekise ukuba ulungele ukuphuma , ukuze ungadingi uncedo olongezelelweyo.
Ndingaba Njani Ngezezimali Zizimeleyo Kubazali Bam?
Ukuba unobunzima bokugubungela iindleko zenyanga zenyanga ke unayo ingeniso enzulu okanye ingxaki yokuchitha. Kubalulekile ukuqwalasela into ongayenza ukuze ukwandise ingeniso yakho kwaye utshintshe imikhwa yakho yemali. Ukuba ngaba imeko yesikhashana, njengokugqiba i-internship okanye ukwakha uluhlu lwabaxumi kufuneka ube nomhla othile emva kokuba uya kuba ngumntu ozimele ngokwezimali. Kubalulekile ukusekwa kwezi khokelo ukuze ukhuthazwe ukuseka ukuzimela kwakho.
Abantu abaninzi bayazibuza nokuba ngaba ayamkelekile ukuba bamkele uncedo lwabazali bakho. Abanye abazali banikela abantwana babo imali yokuhlawula indlu yabo . Basenokukunceda nokulungiswa kwemoto okanye ezinye iindleko ezinkulu ezingalindelekanga. Akunakucaca ukuba okanye ngaba awuzimeleyo ngokwasemali ukuba uyamkela olu hlobo loncedo. Kukho amaxesha apho kufuneka uwamkele isipho, kodwa kubalulekile ukuba akuyi kuba ngumkhwa okanye ukuba ucinga ngabazali bakho ngxowa-mali yakho engxamisekileyo.
Ngokucwangcisa nokugcina, kufuneka ukwazi ukunciphisa olu hlobo loncedo.
Unokuthintela ukuba oku kungenzeki ngokuseka isibonelelo esikhankanywe ngokukhawuleza . Oku kuya kuthintela ukukhawuleza ukuphazamiseka kwebhajethi yakho kwaye kube lula ukujongana neengxaki zemali. Enye indlela ongayithintela ngayo ngoku ukuhlawula abazali bakho xa ubuya kubo uncedo kwiimeko ezixakekileyo. Ukuzimela ngokwezimali kuza kukunceda ukwakha ubutyebi kuba kukunceda ukuba uqaphele indlela ochitha ngayo imali yakho, imisela imikhwa emihle kwaye ikufundise ukuba uceba nokugcina. Kwakhona kubalulekile ukuqaphela ukuba ungazikhulula kwindlela abazali bakho abaphatha ngayo imali kunye nokwenza umzekelo wezemali.
Ndifanele Ndibe Nini Ngezezimali Ngokuzimeleyo?
Injongo yokuzimela ngokuzimeleyo kwemali yinto enkulu.
Isilinganiso okwazi ukufikelela kuzo sithembele ngokupheleleyo kwiimeko zakho kunye neenjongo zakho. Ngokuqhelekileyo, kufuneka ube ngolu nqanaba ngexesha lokuthatha umhlalaphantsi. Ukuba ufuna ukuthatha umhlalaphantsi kusasa, kufuneka ubeke iinjongo ezithile ezingakunceda ukuba ufikelele kulo. Ukuba wenza imali eninzi ngonyaka, uya kukwazi ukufikelela kule njongo ngokukhawuleza kunokuba umntu owenza nje ngezantsi umvuzo.
Ukuba le ngcamango iyakunqwenela, kuya kufuneka uqale ukucwangcisa kunye nokwenza imihlatshelo ukuze ufikelele kuloo njongo ngoku. Akuthethi ukuba awukwazi ukwenza izinto uze uhambe ngeeholide, kodwa kuya kuthatha ingqwalasela ngendlela ophethe ngayo imali yakho kunye nendlela olwahlazo ngayo.
Ndingaba Njani Ngezezimali Zizimeleyo?
Kukho amanyathelo okufuneka uwathathe ukuze ube yimali. Uzakufuna ukuphuhlisa isicwangciso sezimali esiqinileyo, kwaye kufuneka ukhulule utyalo-mali. Ukuthetha nomcwangcisi wezemali kunokukunceda ulandele amanyathelo okufuneka uyithathe ukuze ufikelele kule ngongoma.
- Okokuqala, kufuneka uqaphele ukuba imali enokuyidinga ukuba ibe yimali eyimali. Kunceda ukuba ube nenjongo ecacileyo yento ofuna ukuhlala kuyo nyanga nganye kwaye unako ukucacisa ukuba uninzi kangakanani kufuneka utyalo-mali ukuze ufumane iirhafu kwilo nani.
- Oku kuthetha ukuba uhlahlo lwabiwo-mali kwaye ulondoloze kwaye utyalo imali yakho ngenyanga. Kufuneka ube ngaphandle kwetyala . nangakumbi ongasindisa, ngokukhawuleza unokufikelela kwindawo yakho. Kusenokuthetha ukuba wenze imibingelelo yangempela kwimpilo yakho ukuze ukwazi ukufikelela kwiinjongo zakho ngokukhawuleza. Unokuyeka ikhefu, udle ubusuku bonke kunye nezitsha zenyanga nganye ukufikelela ezi njongo.
- Qala utyalo-mali kwiintlobo ezahlukeneyo zeempahla kunye neemali ezihlangeneyo. Kubalulekile ukukhumbula ukuba utyalo-mali kwixesha elide ukwenzela ukuba ungakhathazeki xa ikarhwebo likhuphuka okanye lihla. Ukufumana isicwangciso esihle semali kunokukunceda ekukhokeleni oku kwaye ekugqibeleni ukhethe utyalo-mali olwenza inzuzo ukuze uphile ngenyanga nganye.
Imikhwa oqala ngayo ngoku iya kukulandela kwikamva. Kubalulekile ukuqala ukuhlala kwiindlela zakho ngokukhawuleza. Abazali bakho abayi kukwazi ukukunceda, ngokukodwa njengoko beqala ukuthatha umhlalaphantsi. Basenokufuna uncedo olongezelelweyo kuwe ngezikhathi ezithile. Thatha amanyathelo ngoku ukulawula imali yakho ukuze ukwazi ukubuyela kwixesha elizayo