Ingaba ngumxholo wemali obangela ukulwa neqabane lakho?
Khawuqwalasele le miqondiso emithathu ukuba imiba yemali ingasongela ubuhlobo bakho, kodwa uqaphele ukuba ukungavumelani kwemali akufuneki ukuthetha ukuphela kwakho.
Kukho iindlela zokusebenzisa le micimbi xa ubalawula.
1. Awuvumelani Nokhetho LwaBanye
Ukuba uhlala ufumana ukulungelelana ukuthengwa komnye nomnye, okanye ukuphikisana malunga nokuba kuthengwa okuthethile okanye akunjalo , kungabonakalisa ukuba awukho kwiphepha elifanayo ngokwemigqaliselo yokuchitha izinto eziphambili.
Yinto enye ukuba awuvumelani ngezihlandlo - zonke iibini zenza. Enye xa uvakalelwa ukuba akunandaba nokuba wenzani ngemali yakho, izigqibo zakho ziya kubakhokelela ekulwa.
2. UkuziThengisa kweeMpahla zakho zihluke ngokupheleleyo
Uyi-shopaholic enamaqhekeza angama-40 eembadada kwaye angayichitha yonke imini kwivenkile. Uyi "ipeni elondolozweyo ipenny yafumana" uhlobo lomntu othanda ukuyidla uRamen eseleyo isidlo sakusihlwa kunokudlula idola elilodwa kwisabelomali sakho senyanga yokutya.
Nangona kunokwenzeka ukuchasa ukutsala - kwaye ekugqibeleni kufinyeleleke uhlobo oluthile lokungqubuzana olusebenza kubo - yazi nje ukuba unomsebenzi onokwenza ukuba i-mindsets yakho yemali iphikisana ngokupheleleyo .
Oko kuqala ngokuvulela ukuqonda apho umntu ovela khona, ngaphandle kwesigwebo.
3. Ugcina iimfihlelo ezivela kwenye
Awuzange umxelele ukuba uneminyaka engama-20,000 kwi-matyala . Akazange akuxelele ukuba uhlawule imali eyi-$ 1,000 kulolo gadget entsha kunokuba i-$ 100 ayitshilo.
Kungakhathaliseki ukuba zinkulu okanye zincinci, ukugcina iimfihlelo ezivela kwelinye iiflegi ebomvu unemiba ethile yokwethemba.
Ulwalamano oluqinileyo luya kukwazi ukufumana iimpazamo zangaphambili kunye nezinye izithintelo, kodwa kunzima ukubuya ngokuphulwa kwetrust.
4. Enye yeyona ndlela uhamba ngeyona ndlela rhoqo
Awunayo ukwahlula iibhilidi 50/50 lonke ixesha (ukuba iifom zakho ziyahluke ngokungafaniyo, ilungiselelo le-50/50 lingenakuqonda). Kwaye akudingeki ukuba ulandele ngokunyanisekileyo ukuba ngubani ohlawulele oko, ukuya kwi dollar.
Kodwa kufuneka uvakalelwa kukuba ngokubanzi, ngamnye uhlawula isabelo sakho esilungileyo seendleko zakho ezidibeneyo, nokuba ngaba kukutya okanye iindleko zekhaya. (Ukuba umntu omnye usebenza kwaye omnye uhlala ekhaya nabantwana, kufuneka uziva ngathi unika isandla ngokulinganayo ekusebenzeni yonke indlu.) Ukungalingani kunokukhokelela ekugwenxeni.
5. Awukwazi Ukuthetha Imali Ngaphandle Kwomntu Othukuthele
Imali ingaba yinto echaphazelayo, enye ingayifaka imithwalo ethile yemvakalelo nayo. Kodwa ukuba awukwazi ukuthetha ngayo kunye neqabane lakho ngokuzinzileyo nangokwemilinganiselo - okanye ukuba awukwazi ukuthetha ngako konke - kunokubonisa ubungqina obunzulu kwiinkalo zakho.
Imali yinxalenye enkulu yokwabelana ngobomi bakho nomnye umntu, kwaye ukuba awukwazi ukuxoxa ngayo kunye nomnye, ubophelelwe ingxaki. Ungayenza njani enye into ekujoliswe kuyo kwiinjongo zezimali ezidibeneyo, okanye ufumanisa ukuba zeziphi iinjongo ezikuqala, ukuba awuvulekile ukuthetha ngazo?
Kule meko, ukufuna uncedo lwezobuchwepheshe kunokuba yinto ebhetele kakhulu yokuphuhlisa ubuhlobo obulungeleyo phakathi kwakho kuphela, kodwa ngezimali zakho.