Iingcebiso ezi-5 zokuQeda iimfazwe zemali
Xa utshata, indlela ophethe ngayo imali yakho iya kutshintsha. Ngethemba ukuba uxoxe ngeemali zakho kunye neqabane lakho ngaphambi kokuba utshatile, kwaye ngoku unayo iinjongo ezifanayo. Nangona kunjalo kukho amaxesha apho obabini benu abanako ukuvumelana xa kuziwa kwiimali zakho. Xa ungahambelani nemali, kuya kufuneka usebenze nzima ukuba ufumane ukulungelelanisa kwisifundo ngasinye, kodwa unokwenza usebenze. Isixa sinokuba sikhulu okanye sincinci, kodwa kufuneka usebenze ukulungisa le ngxabano ngokukhawuleza. Ezi nyathelo zinokukunceda ukuba ugweme iingxaki zemali ezibangelwa ngumtshato . Ukuba kukho imicimbi emikhulu , njengokuba iqabane lakho liba ulwazisi kwaye lithatha imali mboleko ngaphandle kwegama lakho ngolwazi lwethu, unokufuna ukuqwalasela umcebisi womtshato ukukunceda ukujongana nale micimbi. Ngaphandle koko ezi nyathelo ezine zinokukunceda ukuba utshintshe indlela ojongene ngayo nemali yakho.
01 Mamela Umlingani Wakho
02 Lindela Uze Uvumelane Ngeentengo Ezinkulu
Ukuba unenkinga enzima ukugqiba okanye ukuvuma ngokuthenga okukhulu, oku kunokuba nzima. Kungenzeka ukuba omnye wenu uvakalelwa kukuba into iyimfuneko ngoku, okanye ufuna ukutshala imali ekhethileyo yokugcina imali ngexesha elide. Kuze kube nonke nivumelana ngokuthenga, akufanele kwenziwe. Nangona kunjalo xa uphikisana nawe zibuze ukuba kutheni ufuna. Ngaba unokuhlawula ukuthenga ngemali? Ingabe ikuvimba ekufikeleleni umnqophiso? Ngaba ufuna nje ukuchitha imali engaphantsi? Sebenzisa ixesha ukuchaza kunye nokuphulaphulana omnye komnye uze ukwazi ukulungisa ingxaki yakho. Inkqubo efanayo kufuneka ihambe kwizinto ezinjengeendlela zokunyamekela abazali bakho abaguga okanye ukujongana nabantwana bakho. Kunceda ukuba ube nedola ecacileyo ukuba bobabini nisabonisana nomnye ngaphambi kokuba uchithe.
03 Hlela iinjongo ndawonye
Ukuba omnye umlingane akabonanga isidingo sokukhathazeka ngemali le nto ingaba yinkxalabo kwaye inzima. Njengoko iqabane elikhathazayo ngaphezulu kufuneka liqale ngokubuza imibuzo ethile malunga nekamva, ukuthenga indlu kunye nomhlalaphantsi. Ngokuqhelekileyo ukuba unako ukusetha iinjongo kunye koko kulula ukufumana elinye iqabane. Abanye abantu abacwangcisi, kodwa xa bebona ukuba uhlahlo lwabiwo-mali luya kubanceda bafikelele kwiinjongo zabo abazimisele ukusebenzela kubhajethi. Unokusebenza ukufumana iqabane lakho elincinci ngokubhekisana neengxaki kwaye ufike isisombululo.
04 Chaza indlela ebalulekileyo ngayo le nto kuwe
Kwakhona kubalulekile ukuxelela lakho iqabane ukuba kubalulekile kangakanani uhlahlo lwabiwo-mali. Ekubeni kungabikho nto ebalulekileyo kuye, akanakho ukuqonda ukuba kubaluleke kangakanani kuwe. Chaza ukuba uluxabisa kangakanani ukuzimisela kwakhe ukusebenza kubhajethi. Emva koko sebenzisana kunye nokusekela iinjongo enokubambisana ngazo zombini. Xa oku kwenzekayo unokumangaliswa ukuzimisela komlingane wakho emva kweli nqaku. Nangona ekhungula ngayo, kodwa ugcina uhlahlo lwabiwo-mali luphuculo olukhulu. Qaphela ukuba ungaphenduli iingxoxo malunga nohlahlo lwabiwo-mali kwiiseshoni zokugungqa okanye uqale ukuphoxela omnye umnye ngemali.
05 Fumana iNkqubo Efanelekileyo Yokuphendula
Enye yezinto eziphambili zokulawula imali ngaphandle kokulwa kufuneka kube kwiphepha elifanayo kunye nebhajethi yakho. Oku akuthethi nje ukucwangcisa uhlahlo lwabiwo-mali kunye, kodwa ukulandelela isabelo-mali sakho kunye. Unokuphela kokubili ukuchitha ngaphandle kweendidi ezifanayo kwiintsuku ezifanayo kwaye unokuthi ungene kwimibandela. Enye indlela yokusombulula oku kukusebenzisa isofthiwe efonini yakho evumela ukuba uhlaziye imali yakho yokwenza kwakho yonke imihla. Unokutshintshela ekusebenziseni imali kunye nokwahlula ekuqaleni kwenyanga. Kwakhona kunceda ngamnye umlingane ukuba abe nemali yokuchitha kwizinto abonwabela kakhulu ngaphandle kokufuna ukuchazela ezo zintengiso kwenye. Oku kunokuqwalaselwa ngemali ye-splurge, imali embi okanye isibonelelo Esi sifanele silingane omnye komnye, kodwa inxalenye yebhajethi.