5 Amathiphu Omkhulu Wezezimali Zomshado

-Delile

• 1. Bhala phansi isikweletu sakho
• 2. Khokha phambili
• 3. Setha izinkokhelo ezizenzakalelayo
• 4. Yiba ne-akhawunti yasebhange ngokuhlanganyela
• 5. Dala i-akhawunti yokonga

Ngabe ufuna amathiphu ezezimali zomshado ukuze ujabule njalo?

Yize uthando kufanele lube yisisekelo sanoma yibuphi ubuhlobo bomshado, masibe ngokoqobo. Izimali emshadweni ziwuhambo oluqinile, nokuthi ungaphatha kanjani izimali emshadweni ngumbuzo obuzwa njalo kakhulu yizithandani ezifuna ukuhambisana kwezezimali.

Izeluleko zezimali zomshado zingaba ithuluzi elihle labashadikazi ukuphatha izimali zabo, kubhekwa ukuthi imali emshadweni ingaba kanjani yithambo lombango phakathi kwezithandani.

Umshado nemali kuhlangene ngokungenakuhlukaniswa.

Lapho izimali zakho zingahlelekile, kungakwenza uzizwe ungavikelekile.

Futhi lapho lokho kwenzeka, kuthinta futhi, ngezindlela eziningi, kuze kuthelele nobudlelwano bakho. Kungakho, noma ngabe useneminyaka emibili noma engama-22 ushadile, kuhlale kungumqondo omuhle ukubeka uhlelo lapho kukhulunywa ngezimali zakho.

Ukulandela amathiphu ezezimali omshado kuzokusiza ukuphatha imali kahle emshadweni futhi unqobe izinkinga zomshado nezemali.

Ukwelulekwa ngezimali zomshado

Enye indlela enhle yokubhekana nezimali zakho emshadweni ukubonisana nomeluleki weMishado.

Abanye abantu baze bakhethe nokuthola ukwelulekwa ngezimali zomshado ukubhekana nezinkinga zezimali emshadweni. Kungaba umqondo omuhle ukubheka amafulegi abomvu akhombisa ukuthi umshado wakho usenkingeni yezezimali, ngakho-ke ungafuna izeluleko ngezezimali kubantu abashadile.

Ukwelulekwa ngezezimali kwemibhangqwana kuzokuhlomisa ukuthi wakhe isisekelo esiqinile somshado ozinzile ngokwezezimali ngokukusiza ukuthi ubhekane nezinkinga ezivamile eziphathelene nokuphathwa kwemali kwabashadikazi.

Uzothola izeluleko eziwusizo zokuhlela ezezimali ezizokusiza ukubhekana nezinkinga ezifana nezikweletu, izikweletu, ukonga, kanye nezinhloso zezezimali ezenza ukucindezeleka kwezezimali emshadweni.

Eminye imibhangqwana ibuye iye emihlanganweni yezimali noma ifunde izincwadi ezimbalwa noma ilandele amabhulogi ambalwa aqhamuka kubaxhasi bezezimali ukuthola impendulo yombuzo - 'ungaziphatha kanjani izimali emshadweni?'

Kungaba wusizo futhi ukufunda kabanzi mayelana nokuhlelwa kwezezimali kwemibhangqwana eshadile ukuthola izeluleko zomshado ezisebenzisekayo uma uzama ukunqoba ukungqubuzana kwezezimali emshadweni wakho.

Kepha noma ngabe iyiphi indlela wena noshade naye eninquma ukuyithatha, vele uqiniseke ukuthi wenza ukuzinza kwakho kwezezimali kube yinto ephambili.

Ungaqala kahle ngokusebenzisa amathiphu wezezimali alandelayo

1. Bhala phansi isikweletu sakho

Enye yezingcezu eziwusizo kakhulu zamathiphu ezezimali zomshado ukushaya ibhalansi elungile phakathi komshado nezimali ukubhala phansi izikweletu zakho.

Lapho ubambeke ekuxakekeni kwempilo, kungaba nzima ukuthola isibambiso sangempela esikweletini sakho. Umane ubheke izikweletu njengoba zingena bese uzama ukukhokha ongakukhokhela.

Kepha uma ungenasiqiniseko sokuthi unesikweletu esingakanani, inzalo ingaqongelela, imali ekhokhwa sekwedlule isikhathi ingasebenza, futhi amaphuzu akho esikweletu angathinteka kakhulu.

Kungakho kungumbono omuhle uku hlala phansi kanye ngenyanga udlule isikweletu sakho sonke sasekhaya ukubona ukuthi ukweleta ini ukuze ukwazi ukudala amapulani wenyanga wokukhokha.

Le ngcezu yeseluleko sezezimali esisebenzisekayo semibhangqwana izokusiza ukuthi ugweme izingqinamba eziningi zemali emshadweni ezingase ziqhamuke ngokuzayo ngenxa yokuntuleka kokubonakala kwezezimali koshade naye.

2. Khokha phambili

Ukukhokha phambili kungenye yezeluleko ezibaluleke kakhulu zokunciphisa izingcindezi zezezimali emshadweni.

Mhlawumbe awukho esimeni lapho ungakhokha khona imali yakho yokubolekwa kwempahla noma yemoto ngaphambi kwesikhathi, kepha ongakukhipha ezinye izikweletu ezincane.

Ukwazi nje ukuthi akudingeki ukhathazeke ngezikweletu ezincane eziza njalo ngenyanga kuyinto encane engabeka ukumamatheka okukhulu ebusweni bakho.

Futhi bhekisisa: Ungayikhokha kanjani imali yakho ebanjisiwe eminyakeni emihlanu.

3. Setha izinkokhelo ezizenzakalelayo

Kunezinto ezimbili ezinhle ngokusetha izinkokhelo ezizenzekelayo zezinto ezifana nezinsiza zakho ne-cable bill.

Okokuqala ukuthi awudingi ukuzibophezela enkumbulweni lapho izinto zifanele.

Okwesibili, kuyindlela yomlilo eqinisekile yokugwema noma yiziphi izimali ezifika sekwedlule isikhathi. Futhi cabanga nje ngokuthula kwengqondo nokuthi singakanani isikhathi ongasitshala kwenye imisebenzi ekhiqizayo ngokungakhathazeki ngokukhokha izikweletu ezingama- $ 15- $ 20 njalo ngenyanga.

Ukulandela amathiphu anjalo ezezimali zomshado kungakusindisa ekulandeleleni njalo uphinde ulinganise ezinye izindleko zakho futhi kukusindise ekwenzeni izinqumo ezinzima.

4. Yiba ne-akhawunti yasebhange ngokuhlanganyela

Esinye sezeluleko ezindala zesikole esidala, esijwayelekile, kepha esisebenzayo ukuthi ube ne-akhawunti ehlangene noshade naye.

Yize abanye abantu bezokwenama kulokhu, oshade naye akuyena ohlala naye; zingumlingani wakho wokuphila.

Into enhle enikezwa ngamathiphu wezezimali zomshado ukuthi ukusetha i-akhawunti ehlangene kungasiza ukukuphendula wena nokusebenzisa kwakho imali.

Lapho bobabili abalingani bazi ukuthi ingakanani imali esema-akhawuntini abo asebhange, lokhu kusho ukuthi izingxoxo zingaba khona uma kukhulunywa ngokusetshenziswa kwemali, ukonga, nokuhlelela ikusasa.

Futhi uyazi ukuthi yini ukuba nezingxoxo ezinjalo kuyinto enhle.

Imibhangqwana eminingi kakhulu yathola ukuthi sekwephuze kakhulu emdlalweni ukuthi oshade naye ukweleta izinkulungwane zamakhadi wesikweletu noma engakhokhi isikweletu ezinyangeni konke ngoba bagcina izimali zabo zihlukene.

Leli thiphu lezezimali zomshado livumela imibhangqwana ukuthi isekelane futhi iqinisane ngokuyihlanganisa esikhundleni salokho.

5. Dala i-akhawunti yokonga

Noma ngubani owathi, "umshado kuyisetshalomali" bekungeke kube yiqiniso ngokwengeziwe.

Ukwakha i-akhawunti yokonga kungenye yezeluleko ezihlakaniphe kakhulu zezimali zomshado njengoba kwakha umshado wakho njengotshalomali impilo yakho yonke.

Ngukutshalwa kwemali kothando, kwesikhathi, yebo, kwemithombo yakho, kufaka phakathi nezimali zakho. Noma kunjalo iphutha elilodwa elenziwa imibhangqwana eminingi ukungabeki eceleni imali yezinto ezinjengeholide omunye komunye.

Impilo ingaba nzima, kepha ukwazi ukuthi nobabili niyikho ukubeka eceleni imali engenayo ukuze nisebenzise isikhathi sekhwalithi yangempela ndawonye kungakunqamula ezinseleleni zayo.

Khumbula, nobabili nonga u- $ 100 ucezu inyanga ngayinye lilingana no-R2 400 ngasekupheleni konyaka.

Lokho kuyisiqeshana esihle soshintsho lokuhamba ngomkhumbi othandana noma uhambo lomgwaqo, futhi okuyingxenye enkulu ukuthi, usebenzisa imali kunokuba udale noma isiphi isikweletu sekhadi lesikweletu!

Amagama wokugcina

Umshado awulula futhi udinga ukunakekelwa okuningi. Ingcindezi yezezimali, ngakolunye uhlangothi, ingenza kube nzima kakhulu kuwe ukwakha ubudlelwano obuqinile nomlingani wakho.

Into ebaluleke kakhulu ukuqinisekisa ukuthi wena nomlingani wakho ninezidingo eziqhathanisekayo zezezimali nokuthi nithola ukuthi ningaxazulula kanjani kunoma yiziphi izingqinamba zezimali ezinganithola.

Ngakho-ke zinike isikhathi sokucabanga ngokuthi uzoyiphatha kanjani imali yakho yasekhaya ukuze uzisindise ezimpikiswaneni eziningi zezezimali nasekucindezelekeni komgwaqo.

Landela lezi zeluleko ezihlakaniphile zezimali zomshado, futhi uzobona ukuthuthuka okuphawulekayo emshadweni wakho ngokushesha.