Ukulungisa le ngxaki, kufuneka uqonde oko kukubangela. Ngokomzekelo, ukuba iqabane lakho lithintela ukudibanisa iimali , kunokubakho imiba engaphezulu kwezemali ongayifumaniyo. Ukungabi nxibelelwano kunye neengcamango ezahlukeneyo xa kuziwa ngendlela yokuchitha imali yakho, ukulungelelanisa uhlahlo lwabiwo-mali, kunye nokujongana nezinye iinjongo zemali kunokubangela iingxaki ezinkulu kumtshato wakho. Kwaye ukuba kukho ezinye izizathu zokuthi kungani iqabane lakho lingayi kuhlanganisana nemali, kuya kufuneka usebenze ekuxazululeni ezo ngxaki ezinkulu .
Ngezantsi zezi zizathu eziqhelekileyo zokuba kutheni omnye umlingane angenakuthatha inxaxheba kwinkqubo yokucwangcisa imali, nokuba ungayifumana njani ebhodini.
Ingxaki: Umfazi akafuni ukuhlawula okanye ukuCwangcisa
Ukuba iqabane lakho liqonda isidingo sokucwangcisa kodwa akufunanga, okanye liyazonda ukulandela uhlahlo lwabiwo-mali kuba ngumsebenzi omningi, kunokuba nzima ukuwafumana. Ukunamathela kwisabelomali kunzima ngokwaneleyo, kungabi yedwa xa ungathengiswanga ngokupheleleyo ngcamango ukuqala.
Kodwa ngenxa yempilo yakho yezezimali, kubalulekile ukuza nesisombululo esiya kusebenza kuzo zombini.
IsiSombululo: Yenza Isicwangciso esiSiseko sokuHlola
Yenza kube lula kumlingane wakho ukuba athathe inxaxheba kwingxoxo. Yiza ngesabelomali esisisiseko efihla iibhilidi ezifana nokutya, izinto ezisetyenziswayo kunye negesi.
Yiba neengxoxo malunga nendlela oza kuchitha ngayo imali engenayo yokuqonda kwizinto ezinjengokutya kunye nokuthenga, oko kufuneka usebenzise imali yakho, kunye nezinye iindleko.
Unokuba usenokuqwalasela ukutshintshela ibhajethi yemali . Ungakwazi ukuwaphula kwiimali zeveki ukwenzela ukuba kube lula ukuzifundela. Ngaloo ndlela, xa imali iswelekile, bobabini kunye neqabane lakho kuya kufuneka uyeke ukuchitha. Ngaloo ndlela, awuyi kuba nexhala malunga nokuhlala uxhaphaza iqabane lakho ukuba linamathele kwisabelo-mali. Ngaphezulu, abanye abantu basebenza bhetele xa bephethe imali kwaye babone ukushiya isikhwama sabo, kunokuba basebenzise i-banking app kunye ne-spreadsheet epheleleyo yamanani.
Le ndlela iya kuthatha ingcinezelo kuwe, kwaye iphelise loo nto ilwa ngazo zonke iindleko. Emva koko, kanye ngenyanga, uhlawule kwakhona uhlahlo lwabiwo-mali kwaye ubone indlela owenze ngayo.
Ingxaki: Umlingani oLawulayo uxelwe okanye ukhethwe kwiiNgxoxo
Ukuba unesimo esibi sezemali kunye namatyala amaninzi okanye ubonakala unzima kunamathela kwisabelomali , indlela oya ngayo kwimeko ingenza iqabane lakho live ngathi uyabagxeka.
Le nto ingaba yimeko ekhohlakeleyo, ingakumbi ukuba unomuvo wokuba uxanduva lwemeko yakho yezemali.
Nangona kunjalo, akusiyo ingcamango efanelekileyo yokubeka ityala xa ule meko. Kuya kwenza ukuba iqabane lakho liziva libi ngakumbi kwaye lingenakwenzeka ukuba ithathe inxaxheba kwiingxoxo zemali kwaye zinamathele kwisabelo-mali. Kuya kubangela ukuba ufikelele kwiimeko ngesimo sengqondo esibi.
Isixazululo: Shintsha indlela yakho
Udinga ukutshintsha indlela othetha ngayo ngemali. Yeka ityala, kwaye ungagxininisi kwixesha elidlulileyo.
Kunoko, gxininisa oko ungatshintsha ukuhamba phambili. Zama ukusebenzisa amagama anjengokuthi, "Asisoze sitshitshisana apho siphi. Kunoko, siya kusebenzisana ukuze siphume kule meko. "
Buza iqabane lakho ukuba lenze isicwangciso (kuquka uhlahlo lwabiwo-mali) oluya kuphucula imeko yakho yezemali. Ngale ndlela, lakho iqabane lingathanda ukuhamba kunye nokusebenza nawe ukuphucula imeko yakho yezemali.
Ukutshintsha indlela yakho kukwahlukana nokungahambi kakuhle kwaye kukuvumela ukuba usebenze kwixesha elizayo elihle.
Ingxaki: Umlingani akaziveki okanye uvakalelwa Njengawe Ubaxelela Oko Ukwenza
Nangona ucinga ukuba unomlingani onqabileyo ongafuni ukucwangcisa, unokwenene usebenzisana nomntu ongenakuziva echaphazelekayo kwimeko.
Buza iqabane lakho ukuba ngaba bafuna inxaxheba ebalulekileyo kwinkqubo yohlahlo lwabiwo-mali; kwaye ukuba ngaba kunjalo, ngoko kufuneka uguqule indlela ojongene nayo kwimeko kwaye unikezele ezinye zeemfanelo zezemali.
Ngokuqhelekileyo, omnye umlingane uya kuziva ngathi omnye ulawula zonke izigqibo ezithatha imali, kwaye uzive njengomntwana kunokuba umntu omdala kwimeko. Oku kunokuba yinyani ngakumbi xa ubapha isibonelelo .
Isixazululo: Qala ngaphaya
Ungalungisa le ngxaki ngenguqu kwindlela yakho. Ukuba wakho umlingane akaziveki echaphazelekayo kwinkqubo, mhlawumbi yithuba lokuqalisa inkqubo kunye nokuyenza kunye.
Hlanganisa ndawonye iindleko zakho zangempela uze ubhale iindleko zakho kunye nemali engenayo kunye. Yiya phezu kweebhili, uhlahlo lwabiwo-mali, kunye neenjongo zakho zemali. Xa ukhangela uhlahlo lwabiwo-mali, fumana iqabane lakho lithathe indlela omele uchithe ngayo imali yakho yenyanga engenayo. Bakuba bebona amanani abamnyama nabamhlophe, banokuba bazimisele ngakumbi ukunamathela kwisabelomali okanye ukunciphisa imali yabo.
Ngaphezulu, xa bebandakanyekile kwinkqubo, baya kuba baninzi amathuba okuthatha inxaxheba kwiingxoxo zebhajethi kunye neengxowa-mali, kuba bebenokuthi kwisicwangciso sokuqala.
Ingxaki: Umlingani ukholelwa ukuba yonke into iya kusebenza ngokuthe ngandlela-thile
Xa wakho umlingani ubambelele kwinkolelo yokuba yonke into iya kusebenza ngokwasemvelo, unokuba nexesha elinzima ukumthatha ukuba athathe inxaxheba kwingxoxo. Iintlobo ezininzi zobuntu azinakuzicwangcisa kwaye zibonakala zicinga ukuba xa ziqhubeka zisebenza nzima ukuba yonke into iya kusebenza. Inyaniso kukuba, impumelelo yezemali ivela xa unesicwangciso esiqinileyo kwaye unamathela kuso.
Isixazululo: Nika Umhlobo Wakho Ukujonga
Oku kungathi kunzima, kodwa indlela efanelekileyo yokusingatha le nto kukunika iqabane lakho iqhosha lokujonga. Kufuneka uxoxe ngeenjongo okanye iiminqweno abaye babonisa ngazo ngaphambili, ezifana nokuba nekhaya okanye ukuhamba ngexesha lomhlalaphantsi .
Thelekisa ezi njongo ngqo kwiimeko zakho zemali zangoku. Ukuba unokubonisa umlingane wakho ukuba ngaba awuyi kufezekisa loo njongo ngesantya osebenzayo ngoku, unokukwazi ukuwafumana kunye nengxoxo yebhajethi yenyanga kunye nesicwangciso sezemali . Ngamanye amaxesha kuthatha ukubona izinto ezinzima ukuvusa umntu ukuya kwimeko yeemeko.
Ukuhlaziywa nguRachel Morgan Cautero .