Ukuvuselela Impilo Yakho Yengqondo Nengqondo Emva kwe-Bankruptcy, Icandelo II
Thembela kummeli wakho kunye nabasebenzi bakhe. Ngethemba ukuba unommeli oye wabonisa imfesane yimeko yakho.
Ndicinga ukuba abagqwetha abaphezulu kukuba abo bathatha iimbopheleleko zabo, njengamalungu e-National Association of Consumer Bankruptcy Attorneys. Ndiyazi ukuba bambalwa abagqwetha abathengi abangenalo ukunika abaxhasi babo iigxala ukukhala. Oku kuthethi, abaninzi abaqeqeshelwa ubugcisa beengcebiso zengqondo nangokomzwelo. Ukongezelela, awukwazi ukulindela ukuba aba baqeqeshiweyo baya kukuvumela ukuba unyuke kwiinyembezi zakho. Bakukulindele ukuba ulandele izikhokelo zabo kwaye uthabathe iingcebiso zabo kuba bayazi ukuba ngexesha lokuxhaswa uya kufikelela kulo. Makukukhokele. Bayazi ukuba benza ntoni.
Qonda ukuba awodwa. Abantu abaninzi bayifaka i-bankruptcy, kwaye abaninzi baninzi bangabandezeleka ngaphandle kokuthatha loo nyathelo, bendisa ubuhlungu babo kude kwixesha elizayo. Uthathe amanyathelo abalulekileyo ekukhuseleni impilo yakho yezemali. Mhlawumbi sele uziva unomthwalo ophakanyisiwe ukusuka kumahlombe akho.
Abaninzi bam abathengi baqala ukuziva bengcono xa bephuma ngaphandle kweofisi emva kokubonisana kwabo okokuqala. Kuya kwenzeka.
Khangela Ngubani owenza iFayile yeBhanki?
Misa umdlalo wecala. La manzi phantsi kwebhuloho. Unokufuna ukukhenkcela kumphathi wakho omdala, ukutshitshisa amathayi omfazi wakho wangaphambili, okanye utyhola uThixo ngokukushaya ngomdlavuza, kodwa uyazi ukuba oko kuya kukuncinci.
Ixesha lokuba uthawule. Uqaphele ukuba awukwazi ukuqhubeka njengoko wawunayo, kwaye uthathe amanyathelo okuzinceda. Ukuqaphela ukuba uyinkosi yesiphelo sakho kuya kwenza okungakumbi kwi-psyche yakho kunanto.
Funda yonke into enokuyenza malunga nokubuyiselwa kwemali kwi-bankruptcy. Uya kufumana iitaliti kwakhona, ukuba ufuna. Uya kuba nako ukuthenga i-cell phone yakutsha. Uyakufanelekela ukuthenga imali, indawo yokuhlala okanye umsebenzi omtsha. Unokuphucula amathuba akho okufumana imvume yokukhuseleko okanye umshuwalense wobomi. Qala apha ngokuPhepha nokuPhucula emva kokuBhujiswa: Ukufumana iNew Credit .
Vula i-akhawunti yokugcina. Indlela elula yokwenza ngokukhawuleza ikamva lakho lemali kukuvula i-akhawunti yokulondoloza. Ukubeka i-$ 5 okanye i-$ 10 ngaphandle nganye ngeveki kuza kukuphazamiseka ngokomzwelo. Yongeza rhoqo rhoqo, kodwa ungafaki ngaphezulu kunokuba unako ukuyifumana, kwaye ungachukumisi loo mali xa sele ku-akhawunti uze ufikelele kwiinjongo eziphambili. Zibophezele, ukuba xa uthabatha imali ngaphandle kwe-akhawunti, uya kwandisa iintlawulo zakho kwi-akhawunti emva koko okungenani i-$ 5 idiphozithi.
Yaye ungakulibali, unako ukufumana ibhanki kwi-intanethi. Jonga ii-Akhawunti zokuLondoloza eziNgcono kunazo zonke ngo-2015.
Qhagamshelana nomfundisi wakho. Ukuba ungumntu onokholo, ndiyakukukhuthaza ukuba uxolelane neenkxalabo zakho kumfundisi wakho. Abaninzi ukuba ababaninzi baqeqeshwe kululeko lweengcebiso. Nangona bekhona, abayi kuhlala ixesha elide njengabafundisi ngaphandle kokuba beyazi indlela yokunikela indlebe enobubele. Ukuzithemba kuphela kumntu osetyenziselwa ukuphatha iimfihlo ngokuqhelekileyo kunokukunceda uzive ngathi awunabo.
Ukufumana ulwazi oluthe xaxa malunga nokucebisa ngeengcebiso, tyelela indawo ye-American Association of Pastoral Counselors.
Amavolontiya lakho ixesha. Kwabaninzi bam abathengi bam, ukwenza into ephuma kuzo iintloko zabo zithixo. Ukugxila malunga nendlela yokufezekisa umsebenzi oya kunceda omnye umntu ukuba abe yinqwelo echanekileyo kwi-"sengxaki" engabonakaliyo. Phantse wonke umntu uya kuba netalente kunye nesikhathi esithile sokunikela kwabanye.
Ungathabatha udoti emgwaqweni omkhulu, uhlalise abantu ebandleni, ufunde abantwana esibhedlele. Khangela uluhlu kwiziko lakho loncedo lokuzithandela okanye kwi-United Way.
Fumana uncedo lobuchwepheshe. Ukuba iimvakalelo zokudabuka nokuzisola ziqhubeka, okanye ziqala ukuphazamisa ubudlelwane bakho, umsebenzi wakho okanye impilo yakho, ixesha lokuqwalasela ukufumana uncedo lobuchwepheshe. Ukuba unomshuwalense, umboneleli wakho unokukukhokela kwiingcali ezifanelekileyo zempilo yengqondo kunye neemeko ezifanelekileyo kwiimeko zakho. Amabakala amaninzi anee-arhente zempilo zengqondo ezinika iingcebiso kwizinga lokuhlawula imali ngokuxhomekeke kwimali engenayo kunye neentsapho. Ukujonga nje isobho se-alfabhethi yenkcazelo yezikhundla ezininzi ezi zinto zilandele amagama abo, (MD, Ph.D., MSW, RN, LCSW, LMFT, LPC, njl.). I-intanethi inokukunceda kule nto.
Nantsi indawo yokuqala: Indlela yokufumana iNtsholongwane Eyona NTSHA.
Ukufumana amanqaku amaninzi kwinqaku, khangela
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