Umthengi Qaphela - Ufumana oko uhlawulayo
Kukho izinto ezininzi zokuqwalasela xa kuziwa ekuqaliseni ukuqiqa kwemirhumo yommeli wezindlu. Ngaphandle kwimeko yama-agqwetha ekujonganeni nemiba yezomthetho efana neyakho, izenzo zoshishino zengingqi kunye nakwilizwe lonke zichaphazela nokuba ummeli uya kuhlawulisa umba othile. Nalu uluhlu lwezinto oza kuziqwalasela xa uqikelela ukuba iimali ezicatshulwe kuwe ngummeli wocwangciso lobuchule zifanelekile.
01 Abaninzi AbangoMatyala Musa ukuhlawula iRhafu kwiNtlanganiso yokuqala
Ii-Attorneys zokuCwangcisa iimpahla ezi-02 zihlawulise i-Flat Fee yeZakhiwo zeMpahla
Kuthetha ukuthini isicathululo kwimicimbi yokucwangcisa umhlaba? Inani elilodwa le dollar lijongene nomhlangano wokuqala, ukulungiselela amaphepha asemgangathweni, ukuhlaziywa kwamaphepha kunye nokusayinwa kwamaxwebhu. Abanye amagqwetha baya kubandakanya uncedo ngemali yakho yokuthembela njengenxalenye yemali yabo ephathekayo, ngelixa abanye baya kuhlawula imali ehlukeneyo yemali esekelwe kwizinto abaza kukuncedisa ukuxhasa ngayo. Olunye uhlobo luya kuba ngummeli ukuba ahlawulise ngeyure, kodwa abaninzi abantu abanakukhathazeka ngale ndlela kuba kukho ukungaqiniseki okukhulu malunga neendleko zokugqibela eziza kuba. Unokuziphepha ngokufuna ukuba ummeli wakho wocwangciso lomhlaba afike kunye nomrhumo othethekileyo wokugubungela zonke iinkonzo abaza kukubonelela zona.
03 Buza malunga neRhafu yamaRhafu
Nangona igqwetha likucaphula umrhumo osisigxina, baya kuba neyantlawulo yeeyure enye yeeyure. Buza ireyithi yehora lommeli odibana nayo kunye nabanye abagwebi kunye namaqela aseburhulumenteni kwiinkampani ezifanayo. (Qaphela: Ngokuqhelekileyo umgangatho weeyure weeyorragi uphakamileyo, unamava afanelekileyo kummeli.) Kuya kunika ingcamango yeeyure eziliphi igqwetha elilindele ukuba iqumrhu lizisebenzise kwisicwangciso sakho sempahla. Yaye ukhumbule ukuba ngelixa iiyure zinokubonakala ngathi zininzi kuwe, ukuba ugqwetha liva namava ngoko ke baya kuba neengcamango ezintle malunga nexesha eliza kuthatha ukudibana nawe kwaye uphendule imibuzo yakho, uyilo uyize uyiqulunqe isicwangciso sakho , ubuyekeze isicwangciso sakho kunye nawe, kukuncede ubhalise isicwangciso sakho, kwaye kukuncedise ukuxhasa imali yakho.
04 Musa ukucela iMali yeMali!
Ngumbuzo ogqithiseleyo ukuwubuza: "Ngaba unako ukundinika imirhumo yemali oyihlawulayo kumaphepha okucwangcisa ifa?" Ukuba ugqwetha linikeza uluhlu lweemali, ngoko ngokuqinisekileyo uya kuba udidekile ngenxa yokuba yonke into oza kugxininisa kuyo imali ephantsi kakhulu ecatshulwe. Ayikukuvumela ukuba ucinge ngokucacileyo malunga nexabiso oya kufumana imali yakho kwaye ukuba ugqwetha licela imali engaphezulu komyinge osisiseko, ngoko awuyi kuvuya. Kungcono ukuxoxa ngeemfuno zakho zokucwangcisa ifa kunye nommeli wokuqala ngaphambi kokuba nayiphina imirhumo icatshulwa ngenxa yoko igqwetha liya kukwazi ukumisela imirhumo efanelekileyo esekelwe kumava abo jikelele ngokusingatha iimfuno zokucwangciswa kwezinto ezifana neyakho.
05 Ukudibanisa nabathathi mabini nge-First First
Kuqhelekile le mihla ukujongana nemali ebalulekileyo yoshishino ngefowuni. Esikhundleni sokuhlangana nomntu, kuba iintlanganiso zakho zokuqala ziqwalasela ukubeka udliwanonxibelelwano lwefowuni kunye nabancinci ababili bezocwangciso zezindlu. Akuyikukusindisa kuphela kunye nabagwebi ixesha, kodwa uya kukwazi ukuxela ngaphakathi kwemizuzu engama-30 ebekelwe bucala ukuba ungathanda ukusebenza kunye negqwetha okanye cha. Igosa liyakwazi ukuva ukuba zeziphi iimfuno zakho kunye nokucaphula umrhumo osisigxina kwisicwangciso sakho sezinto eziyisiseko . Kuya kukunika ithuba lokuthelekisa iifizi zeplani ezicatshulwa ngummeli ngamnye kwaye unciphise ukhetho lwakho malunga nobani ofuna ukudibana naye kumntu.
06 Musa ukuhlawula i-Less!
Uyayazi into endala, "Ufumana oko uhlawulayo"? Akufuneki ukuba ulungele ummeli oncinci. Okokuqala, buza igqwetha eliza kukuhlawula ukuba kutheni. Nangona abanye amagqwetha bezoshishino zokuthengisa izicwangciso zezindlu, abaninzi banomdla wokukunika isicwangciso sefa eliphezulu kwaye ube ngumcebisi wakho wobomi malunga nesicwangciso sakho sezinto kunye nezinye iimfuno zomthetho. Okwesibini, cinga ngendlela oziva ukhululekile ngayo kunye negqwetha ngenxa yokuba kuya kufuneka uvule kwaye uthembeke xa uxoxa ngezona nkcukacha ezona zibalulekileyo zobomi bakho kunye nemali. Okokugqibela, hamba kunye nezikhokelo zakho kuba nguwe kuphela oyaziyo ngokuqinisekileyo ukuba uya kukwazi ukuthini ukuthembela ngale nxalenye ebalulekileyo yobomi bakho.