Ukucebisa ngezeMali kubabini
Nazi iingcebiso zezezimali ezitshatileyo izibini ezitshatileyo.
1) Yenza ama-Akhawunti ahlukileyo kunye ne-Akhawunti eyodwa:
Ukuxubusha okanye ukungaxubali imali yakho yenye yezona zibalulekileyo zibalulekileyo ezifunekayo ukuba wenze malunga nemali yakho.
Ukuba nemali yakho ongayichitha nangoko ufunayo inganciphisa ingxabano ngemali. Asivumelani nentsholongwane yokuba ukuba ne-akhawunti edibeneyo yokunciphisa iyancipha umgangatho wobunye emtshatweni kwaye ubonisa ukungabi nathemba omnye komnye.
2) Ukulandelela indlela ochitha ngayo imali:
Kubizwa ngokuba yibhajethi. Ukulandelela imali yakho ayiyindlela yokukhomba iminwe ngomnye malunga nokuba ngubani ochitha oko. Ukulandelela inkcitho yakho akukho mntu ukhangele ihlombe lakho xa uthenge into ethile. Ukulandelela inkcitho yakho kubalulekile ukuba uvikeleke ngokwezimali. Ngaphandle kokuba uyazi apho imali yakho iya khona, akunakwenzeka ukusekela iinjongo zemali wena ukhululekile kuzo.
3) Beka Izinto zakho eziPhambili zeMali ndawonye:
Yazi oko kubalulekile kulowo nalowo. Omnye wenu unokufuna ukuthenga indlu ngelixa omnye ecinga ukuba ukugcina umhlalaphantsi wakho kubaluleke kakhulu. Ukufuna uncedo lomcebisi wezezimali kunokukunceda ubeke izinto eziza kuqala kwaye usasebenzisa imali ngezinto ezithile ezimnandi njengeholide ngoku kwaye.
4) Xoxa ngezeMali ndawonye kwiSiseko esisisiseko:
Ngokuqinisekileyo, ukuthetha ngemali akulula ngoba imali ingafanisa izinto ezahlukeneyo kumlingane ngamnye. Omnye unokujonga imali njengokhuselo kunye nomnye njengamandla. Ukuba isihloko sesikolo, amatyala, ukugcinwa, kunye neenjongo kwenza omnye okanye bobabini ningakhululeki okanye nizikhusele, funani uncedo lomcebisi wezezimali okanye umcebisi.
Kubalulekile ukuba bobabili uyazi apho umela khona ngemali kwaye unenjongo yezimali ezifanayo.
5) Gcina i-10% yeNgeniso yakho:
Ababini abahlala kwinyanga nganye ukuya kwinyanga bahlala becinga ukuba abanakho imali eyaneleyo yokugcina. Yenza isigqibo sokugcina okungenani i-10% yengeniso yakho. Emva kokugcina imali eyaneleyo njengengxowa-mali yongxamiseko, ityala imali kwi-akhawunti yomhlalaphantsi. Ekuqaleni kokubili uqala ukugcina imali kwiminyaka yakho yomhlala-phantsi, kulula ukuba ube nendlela yokuphila yomhlala-phantsi oyithemba ngayo.
6) Ukuphatha ityala njengesiqabane:
Yenza isicwangciso sokuhlawula ityala elikhoyo. Ukudweba umgca kwisanti kwaye uthi ityala lakho lakho aliyiyo ingxaki yakho ayiyi kusebenza ngoba nangona ukuba ityala likhona ngaphambi kokuba utshatile, ukulinganiswa kwakho kwetyala kungathinteka kakubi kunye nomgca wexabiso Abini benu bahlawula inyanga nganye kwiintlawulo zenzalo.
7) Zama ukuPhila ngeMali-mboleko mahala:
Amaqabane ahlala efuna ukulinda ukuba abe nethelevishini entsha, imoto entsha kunye nezinye izinto ezintsha. Baqikelela ukuba abantu abahlali nje ngaphandle kwamakhadi kunye netyala. Nangona kunokwenzeka ukuba abantu abaninzi banetyala elikhulu, oko akuthethi ukuba yindlela ephilileyo yokusingatha iimali zakho.
8) Musa ukugcina izimfihlo ezinkulu zezezimali:
Ukungathembeki malunga neendleko zokuthenga ezinkulu kwemali okanye ukugcina amatyala afihlekileyo kubhekwa ukungathembeki kwemali ngabantu abaninzi. Iimfihlelo ezinjalo zingonakalisa umtshato wakho.
9) Unako Ukujongana Neengxaki Zamaxesha Okuxhaswa Ngezezimali:
Kungakhathaliseki ukuba uceba kangakanani kwaye uthetha ngemali, kungakhathaliseki ukuba ungasindisa kangakanani, kungakhathaliseki ukuba unobungozi bunjani bakho bobabini, kukho izihlandlo ezinzima kunye nokungabikho kwemisebenzi kwikamva lakho lezezimali.
Ngaba wena kunye nomlingani wakho uhambelana nemali ? Ngaba ulethe imithwalo yemali kwintlanano yakho?