-Delile
- Khuluma ngezinto ngokuthembeka
- 2. Qiniseka ukuthi wonke umuntu uyabandakanyeka
- 3. Zibekele imigomo yezezimali
- 4. Beka eceleni imali yokwenza izinto ezinkulu
- 5. Phinda uhlole lapho kudingeka
- 6. Yiba nezingxoxo zemali masonto onke
- 7. Hlukanisa imisebenzi yakho yezezimali
Ngaphandle kothando, ukwethembeka nokwethembeka, ukuhambisana kwezezimali kudlala indima enkulu ekwenzeni ubudlelwano buphumelele. Futhi yingakho kufanele kube nokuxhumana okuvulekile kanye nezinhloso zokubambisana. Kunezici eziningi okufanele zibhekwe uma kuziwa ekuhloleni ukuhambisana komshado nokuthi ungavumelana kanjani ngezezimali emshadweni kungumzamo owodwa okufanele wonke umbhangqwana usebenzele ukuwugwema izinkinga zemali emshadweni esikhathini esizayo.
Ukuyekethisa kwezezimali kuyingxenye ebalulekile yomshado. Noma ngabe bobabili abalingani banezinhloso ezifanayo uma kukhulunywa ngemali, kuzoba khona izinkinga zemali emshadweni okuzodingeka ukuthi kuxoxwe ngazo.
Uma ufuna ukuthola umlenze ebucayini obubandakanyeka ekuhlelweni kwezezimali, kufanele ucabangele amathiphu athile okuvumelana ngezezimali futhi uvikele ukwesaba ukungazethembi kwezezimali ngokuzayo. Nazi izingxoxo zemali eziyi-7 nomlingani wakho okufanele ube nazo
Esinye sezikhiye zomshado ojabulisayo nekusasa lezezimali eliphumelelayo ukukhuluma ngezinto ngokuthembeka. Wena nomlingani wakho nidinga ukwazi kahle ukuthi hlobo luni lwezikweletu nempahla eninayo nokuthi yini okulindelwe ngokwezimali ngekusasa. Awunalo ithuba lokusetha uhlelo olusebenzayo lwezezimali uma ungakwazi ukwethembeka komunye nomunye.
Kungaba khona ukungqubuzana kwemali okuvamile emshadweni futhi umehluko ekuziphatheni kwezezimali nobabili, okuholela ezinkingeni zemali emshadweni. Ngakho-ke, uma uzibuza ukuthi ungahlangana kanjani ekhasini elilodwa noshade naye, buza imibuzo ukuxazulula ukungezwani noshade naye futhi xoxa ngezindaba zakho zemali, ukwesaba, izidingo ngokukhululekile.
2. Qiniseka ukuthi wonke umuntu uyabandakanyeka
Lapho wenza uhlelo lwakho lokuqala, qiniseka ukuthi bobabili abalingani babandakanyeka ngokulinganayo. Alukho uhlelo lwezezimali olungasinda uma zombili izinhlangothi zingabandakanyeki ekwakhiweni kwalo.
Ukuhlelwa kahle kwezezimali kufanele kube ukuvumelana okuvela kokufakwayo ezinhlangothini zombili. Akukhathalekile ukuthi ingxoxo ithatha isikhathi esingakanani - nobabili kufanele nivumelane ngezinhlelo zenu zekusasa. Uma ufuna ubudlelwano bakho bube bukhulu, gwema izinkinga zemali emshadweni ukubeka phambili indlela yokusebenzisa imali nokonga ngokubonisana nomlingani wakho.
3. Zibekele imigomo yezezimali
Kubalulekile ukuthi uqiniseke ukuthi unezinhloso lapho ubhekene nezimali. Ukubheka esikhathini esizayo esikude kuhle, kepha kungcono kakhulu ukuba nezinhloso zesikhashana.
Ufuna ukuthenga indlu? Ufuna ukuhlela uhambo? Hlaziya amaphupho akho nezinhloso zakho ngokukhuluma ngezinhloso zakho zezezimali, amathemba namaphupho akho. Lokhu kuzosiza ukunciphisa izinkinga zemali emshadweni futhi kukhulise ukuhambisana kwakho noshade naye.
Uma wena nomlingani wakho ningavumelana ezintweni, ukuthi yini enifuna ukuyenza ngemali yenu, ningakugwema kangcono ukucindezelwa ngokwezimali emshadweni.
4. Beka eceleni imali yokwenza izinto ezinkulu
Ukubeka eceleni imali yezinto ezinkulu kuyindlela enhle yokuqinisekisa ukuthi izimali zakho zihlala zisendaweni ekahle. Isibonelo, isabelomali sakho sonke akumele sicasuke ngoba udinga isithando seCustom Comfort.
Isigameko esinjalo akufanele sidale ukuthi izinhlelo zakho zezezimali zingalawuleki.
Uma ungazange udale isikhwama sezinto ezinkulu noma izimo eziphuthumayo, kufanele ukwenze lokhu kuqala. Gwema izinkinga zezezimali emshadweni ngokwakha i-akhawunti yasebhange ukuze wongele izimo ezingalindelekile njengokulahleka kwemisebenzi, inhlekelele, izimo eziphuthumayo zezempilo, njll.
Uma nobabili ningavuma ukubeka eceleni imali yezimo eziphuthumayo, kuzonciphisa izinkinga zemali emshadweni futhi izinhlelo zenu zezezimali zizovikeleka kakhulu.
5. Phinda uhlole lapho kudingeka
Enye yezindlela zokuvimbela imali ekulimaleni umshado wakho ukungaziphathi izinhlelo zakho zezezimali njengoba zibekwe etsheni. Impilo izoshintsha, kanjalo nezinhlelo zakho kumele zishintshe.
Uma unoshintsho olukhulu empilweni, qiniseka ukuthi ukhuluma ngesabelomali sakho. Uma umlingani oyedwa enganelisekile ngamalungiselelo wezezimali, kunokunamathela kuhlelo lokuqala, ukukhuluma ngemali nomlingani wakho ukuthola ukuvumelana kubalulekile.
Ukugwema izinkinga zemali emshadweni, ukuyekethisa kungumphefumulo wokuhlela okuhle kwezezimali. Qiniseka ukuthi nenza izinhlelo ndawonye, niyasekelana, futhi nishintshe izinto lapho kudingeka. Ngokuyekethisa okuncane, ungavikela ikusasa lakho lezezimali futhi uvikele izimpikiswano eziningi ezingadingekile. Lokhu nakanjani kuyinto efanele isikhathi sakho.
6. Yiba nezingxoxo zemali masonto onke
Enye yezindlela zokuphatha izimali emshadweni ukugcina ithrekhi yangesonto noma eyamasonto amabili yokonga nezindleko zakho noshade naye. Lokhu ngeke nje kuphela anisize nobabili nisethe izinhlelo zenyanga yonke kodwa futhi nakhe ukuxhumana nokuhambisana nomlingani wakho.
Lokhu kushintshana ngemibono njalo kuzonisiza nobabili nibelane ngolwazi lokuthi zingabhekana kanjani izinkinga zemali emshadweni nokuthi nivumelane kanjani nowakwakho ngemali.
7. Hlukanisa imisebenzi yakho yezezimali
Hlukanisa imisebenzi yakho yezezimali nomlingani wakho inyanga yonke. Ngokwesibonelo, nquma ukuthi ngubani ozokhokha ugesi, i-WiFi, nezinye izikweletu, ukuthi ngubani ozophatha igilosa, njalonjalo. Qiniseka ukuthi nobabili niyashintsha izindima nezibopho ngezikhathi ezithile ukuze nibe nendlela ephelele yokuphatha izimali emshadweni kangcono
Le vidiyo engezansi ikhuluma ngemibuzo emi-5 yemali okufanele uyibuze umlingani wakho ngezimali. Ukuze ugweme izinkinga zemali emshadweni, yenza izichibiyelo kwezezimali. Omunye wemibuzo okufanele ubuzwe ukuthi eyami, eyakho, neyethu. Dala izidingo nezibopho ezihlukile ukuze kucace ngobukhulu bezezimali bomshado. Funda kabanzi ngayo ngezansi:
UKara Masterson
Lo mbhalo ubhalwe nguKara Masterson. Ungumbhali ozimele ovela e-Utah. Uyayithanda iTennis futhi uchitha isikhathi nomndeni wakhe. UKara uncoma ukuthi ubheke ezindaweni ezifana neCustom Comfort ukuthola eminye imininingwane yokonga imali emazingeni okushisa abi kakhulu. ”