Ukudlula kwiZenzo eziMbi
Esinye sezizinto eziqhelekileyo ezidlulileyo kwisizukulwana kuya kwisizukulwana siyimikhwa emibi yemali. Le miba ingaba yinto ehluleka ukugcina imali, ukungaphumeleli kwisabelo-mali okanye ukuthembela kumakhadi-mboleko kakhulu. Ukuba unabantwana abanemikhwa, kufuneka ube nako ukuqonda zonke izinto kunye neziphumo zezi zenzo. Kubalulekile ukuqaphela ukuba ngaphandle kokuba wenze into eyahlukileyo kubazali bakho, uya kuba nesiphumo esifanayo.
Kwakhona kubalulekile ukuqaphela ukuba nangona abazali bakho bebenokuthi bangayithinteli imali ngendlela enokuphatha ngayo imali yakho, awunabo uxanduva lokuhlawula amatyala abo nje kuphela xa ungayibhalisi mboleko kubo. Ukuba unabantwana abanamatyala amaninzi, gwema ukuba ngumsayineli kumakhadi abo okuthenga ngetyala kunye nezinye iimboleko. Xa befa, ifa labo liza kuhlawula amatyala, kwaye nayiphi na into eseleyo iya kuxolelwa. Ukuba usayine, uya kuthwala uxanduva.
Kwakhona ugweme ukuboleka imali kubo ukuze ubancede kwiimeko ezimbi.
Ukuvukela Imikhwa Emihle
Enye indlela intsapho yakho inokuchaphazela ngayo iimali zakho ukuba ngaba uziva unyanzelekile njengomntwana. Ukuba ngabazali bakho babeyinyameko kwaye bengaqhathaniswa nemali yabo, usenokuba uzive unyanzelekile kwiminyaka. Abanye abantu bayazihlawulela ngoku ngokuthenga izinto zokwenza zona.
Le nto ingaba yinto ekhohlakeleyo ukuba ibone, kodwa indlela engcono kakhulu yokugweba oku kukuthi uthembela kumakhadi akho okwereta kwaye uhluleka ukulondoloza imali inyanga nganye. Ukuba unako ukuthenga izinto ezintle, ungazizithenga ngaphandle kwecala, kodwa kuphela ukuba unako ukuyithengisa. Qinisekisa ukuba awuzithengisi ngokufutshane ngokuthenga izinto eziza kukunelisa ngexesha elifutshane, kodwa ushiye imeko efanelekileyo yezemali kamva.
Ukungabi nolwazi
Enye yezinto eziphambili ezidlulileyo kwizizukulwana ngezizukulwana ngolwazi lwezezimali. Ukuba ngaba abazali bakho bahlala befaka imali kwiimarike zamasitokisi, banamathuba abo bathetha nawe ngako, kwaye ufunde oko kwaye ungayisebenzisa njani. Kodwa ke ukuba ngaba abazali bakho abazange batyale imali, unokungenalo ulwazi okanye ukuzithemba ukutshala imali yakho ngokwakho. Ngethamsanqa, oku kulungiswa lula ngokuphanda nokuthetha nabaqeqeshi abanokukunceda uqale utyalo-mali . Unokufumana umcebisi kwintlalo yakho enokukwazi ukunceda, ngokunjalo.
Ukuqhawulwa kwamahhala kwinqanaba
Kuyakwenzeka ngokupheleleyo ukuba ukhulule imbali yentsapho yemali. Kufuneka ube nolwazi malunga nendlela olawula ngayo imali yakho kwaye uthathe ixesha lokuseka isicwangciso sezimali esizinzile ngoku . Uhlahlo lwabiwo-mali kunye neenjongo ezithile zemali kunokukunceda uhlale endleleni kwaye uthathe amanyathelo okuqala ukwakha ubutyebi .
Ukuba awuyi kudala isicwangciso kunye neenjongo ezithile kunye namanyathelo athathakayo, uya kuphazamiseka kwaye ungaphonsa kwimikhwa okanye iipatheni ozifundileyo njengomntwana. Kubalulekile ukuba uqaphele ukuba kufuneka uqhubeke phambili, ngenxa yokuba unako ukubuyela kwiimpembelelo ezininzi zezemali. Ukuba unabantwana, ungabafundisa oko ufundayo kwaye uphumelele imikhwa emihle yezemali kubantwana bakho. Qiniseka ukuba ubafundisa ezi zithoba zakhono zezezimali ngaphambi kokuba baphumelele esikolweni esiphakeme.