Nokuba Ungayifundisa njani Abantwaba bakho Lawa
Ndiye ndafunda okuninzi kwiminyaka malunga nemali, ukuba kwakunzima kum ukuba ndizame kwaye ndincincile ukuba zeziphi eziza kunceda kum namhlanje.
Kodwa ndiyakwazi ukunciphisa izinto ezimbini ndiyathanda ukuba abazali bam bandifundise ngaphambi kokuba ndiphume ehlabathini! Ezi zinto zimbini zinefuthe elibalaseleyo kwimali yam.
Ndiza kubelana apha ezi zinto zibini, kunye nendlela onokukunceda ngayo abantwana bakho bafunde ezi zakhono ngaphambi kokuba bafunde iikholeji.
Indlela yohlahlo lwabiwo-mali
Le ngenye yezo zakhono ezikukhawuleza ukuziqonda ngokukhawuleza unokukhula ukhuseleko lwakho lwezezimali kunye nobutyebi.
Uhlahlo lwabiwo-mali lukuvumela ukuba wazi apho imali yakho ihamba khona, kodwa ngokubaluleke kakhulu kukuvumela ukuba uqinisekise ukuba imali yakho iya kwizinto eziphambili kwaye akukho naluphi na ugugu olufanelekileyo phambi kwakho.
Ukufundisa abantwana bakho indlela uhlahlo lwabiwo-mali kulula ngayo kunokuba ucinge. Eyona nto ingakumbi ngenxa yokuba zincinci zindleko ke kulula ukuba zikwazi ukulawula oko zinako. Ukufunda uhlahlo lwabiwo-mali xa kufuneka ulawulo lwezinto ezimbalwa kwenza kube lula ukufumana izinto ezisiseko.
Uhlahlo lwabiwo-mali kwizinto ezisisiseko kakhulu kuthatha ingeniso yakho kwaye ulinike iindleko zakho. Ukongeza zonke iindleko zakho kwaye ukhupha loo nto evela kwingeniso yakho. Oku kuya kubonisa ukuba ungaphezulu kokuchitha okanye ngaphantsi kwemali.
Ekubeni umntwana wakho enezindleko ezimbalwa le ndlela elula yindlela efanelekileyo yokuqala.
Ngaphezulu xa ufuna ukuqala ukufundisa umntwana wakho kubhajethi.
Kwezinye iintlobo zebhajethi ungafuna ukuyiqwalasela ukufundisa.
INdlu yiNdlela yokuPhila ayiyi-Investment
Endaweni ethile kwimizila esaxelelwa ukuba ukuba nekhaya kukutyalomali olukhulu.
Emva kokufumana amakhaya amane, andivumi kakhulu! (Ngaphandle kokuba uhlala kwenye yeemarike ezinokunyuka kwama-3% kwindleko zezindlu).
Enyanisweni ukuba ubheka zonke iindleko zokugcina ikhaya, ininzi lethu inenhlanhla ukuphuma ngaphandle kokulahlekelwa yimali. Ukubiza nje ngeendleko ezimbalwa ukuza ucinga ngeendleko: umtsalane wokubolekwa kwempahla, ngokubanzi ukugcina njengendawo yokugcina idide kunye neendleko zakho ezinkulu njengeentlawulo, i-inshorensi, ukutshintshwa kwephahla kunye nokushisa kwamanzi!
Ingaba uya kuthi uthengise kwaye unciphise xa uthatha umhlalaphantsi? Leyo yindlela kuphela enokufumana ngayo "utyalo-mali" lwakho ngaphandle kokuhlawula imali enkulu.
Iyintoni indlu? Indlela yokuphila. Iindleko ozikhethayo kuba ufuna ukuvuyela kwimini yakho kwimini yemihla.
Indlela efanelekileyo yokuthetha nabantwana bakho malunga nalokhu kukubandakanya kwingxoxo yeendleko xa uhlahlo lwabiwo-mali. Xoxa ngeendleko zonke eziza kunye neendlu, kodwa zibandakanya iingenelo.
Ukongeza kuvelisa indlu xa uthetha ngokutyalomali. Khumbula injongo yokutyalomali kukuba ekugqibeleni unikezele ngenzuzo yokuthatha umhlalaphantsi okanye ulandele intliziyo yakho. Xoxa nomntwana wakho indawo ezingcono zokulondoloza umhlalaphantsi kunempahla onokuyidinga ukuyijika kwaye uyithengise ukuze ufumane ukufikelela kwimali.
Ukufumana okungakumbi malunga nendlela yokufundisa umntwana wakho ukuba atyale.
Khumbula ngelixa singenakukwazi ukufundisa abantwana bethu yonke into, yonke into encinane esibafundisayo iyabancedisa ukuba baninzi ebomini!