Ngaba Ndiyayifuna Ngempela Ukuthenga Oku?
Ngokuqhelekileyo izinto ezibonakala ziyimfuneko ngokwenene azikho. Unokuyeka ukuthenga izinto ezininzi uze ugcine imali ukuthenga into ngqo. Nangona kungenako ukulungele ukuya kwindawo yokuhlamba impahla ukuze uhlambe impahla yakho, uya kugcina imali ngokuhlawula imali yento. Ukuba kukho into enokuzonwabisa njengesikebhe okanye i-jet skis, ngokwenene ungayigcina imali yokuthenga izinto, kuba ayithengi imfuneko. Enyanisweni, ungasindisa imali ngokukhawuleza kunokuba ulindele ngenxa yokuba ukhuthazwa ukwenza ezo zinto.
Ndiyakwazi Ukuthenga Into Encinci Kuninzi Kunoko?
Ngokuqhelekileyo xa usenza ukuthenga okukhulu ufuna ukuthenga okuyona nto enokuyenza. Nangona kunjalo, unako ukuphumeza iziphumo ezifanayo ngokukhawuleza ukuba ubuyifunayo ngokwenene. Umzekelo, ukuba uthengisa imoto, unokucinga ukuba uchithe amawaka amahlanu emotweni kunokuba ube ngamawaka alishumi.
Unokwazi ukufumana imoto ethembekileyo ngamawaka amahlanu, kwaye uzigcinele ukuba imali isetyenziselwe ukugcina nokutshala imali kwixesha elizayo. Kubalulekile ukwenza uphando lwakho malunga nokuthenga okukhulu ukuze wazi ukuba ufumene ixabiso elifanelekileyo kwizinto onokukwazi ukuyisebenzisa. Oku akuthethi ukuba uthengise into ephantsi kakhulu, kuba ufuna into eza kuhlala kwaye ixabise intlawulo.
Ukwenza uphando kunokukunceda ukuba ukhethe ukukhetha okulungileyo kwiqondo elifanelekileyo lexabiso.
Ngaba Ndiyakwazi Ukukwenza Iintlawulo?
Lo ngumbuzo obalulekileyo ukuphendula ngokunyanisekileyo. Kufuneka uqwalasele imida ekuthengwa ngayo oku kukwazi ukwenza izinto kwixesha elizayo. Unako ukukwazi ukuthatha iindleko ezininzi ngenxa yokuba unako ukugcina imali ngokukhawuleza. Ukongezelela, unokwenza ucacise uhlahlo lwabiwo-mali olunzima kangangokuba kunzima ukwenza nantoni na. Unokuzithengela ukuthenga, kwaye unqwenela ukuba awuzange wenze. Into enye ekufuneka uyiqwalasele ityala lakho ngenani lemali engenayo . Awufuni ukuba oku kufike kuma-25% kwaye kuqukwa imali yakho. Ukuba ufuna ukuthenga ikhaya kungekudala, kufuneka ugcine le nombolo iphantsi.
Ngokukhawuleza Ndingayihlawula Njani?
Xa uthabatha umboleko kufuneka ugxininise ekuhlawuleni ngokukhawuleza. Kubalulekile ukuqaphela ukuba kunzima ukwakha ubutyebi bokwenene xa uhlala uhlawula inzala kwabanye. Xa unokujika ngoku kwaye uqale ukufumana imali ngemali yakho, uya kuba nokufikelela kwiinjongo zakho zemali . Yingakho kubalulekile ukuqwalasela ngokucophelela zonke iinketho ngaphambi kokuba uboleke imali. Esikhundleni sokucinga nje ngokwenza iintlawulo zenyanga, kufuneka ucinge ngeendlela zokuhlawula ngaphezu kwenyanga nganye.
Yintoni eyenzekayo Ukuba andinakuyihlawula?
Kufuneka ujonge kwakhona ngemiphumo yexesha elide ukuba ulahlekelwa ngumsebenzi wakho. Oku kuthetha ukuba unengcinezelo eyongeziweyo yokufumana umsebenzi omtsha ngokukhawuleza, kuba kukho nayiphi na intlawulo emva kwexesha okanye iintlawulo ezithathiweyo ziyakuchukumisa amanqaku akho . Ngokuxhomekeke kwishishini okhoyo, unokufumana ixesha elinzima ukufumana umsebenzi ukuba unembali yengeniso embi . Kufuneka uqwalasele indlela uza kuhlawula ngayo le mboleko xa ulahlekelwa ngumsebenzi wakho. Ukuba unomnye wemali engenayo okanye ungatshatanga, kufuneka uqaphele malunga nawaphi na amatyala athile owenzayo.