-Delile
- Isehlukaniso iseluleko sezimali kwabesifazane
- Ingabe kufanele uqashe ummeli wedivosi obizayo?
- Isabelomali sokukhokha ngemuva kwesehlukaniso
- Izinzuzo zokuphepha komphakathi nokushada futhi
- Ukuhlela ukutshalwa kwezimali ngemuva kwesehlukaniso
- Ukuhlela nokuvuselela amadokhumenti
- Izimpahla zomhlalaphansi
Uma uthola isehlukaniso, kuzoba inselele kuwe, ngokomzwelo nangokwezimali. Yize bobabili abalingani bedlula ezikhathini ezinzima ngemuva kwesehlukaniso, imvamisa kuba ngabesifazane abahlupheka kakhulu ngokwezimali ngemuva kwesahlukaniso. Kungakho kubalulekile ukuthi wazi ngezeluleko zezezimali zedivosi ezihamba phambili kwabesifazane.
Abesifazane imvamisa bangabanakekeli bezingane zabo okusho ukuthi kufanele bathathe ikhefu emsebenzini ukuze bafeze le mithwalo yemfanelo. Lokhu kungenzeka kuthinte izinga labo lokuqhubekela phambili lomsebenzi uma kuqhathaniswa nokwabalingani babo abagxile kakhulu emisebenzini yabo. Lokhu kuzokwenza izinto zibe nzima kubo lapho bebuyela emisebenzini yabo ngemuva kokuhlukanisa. Kungadingeka ukuthi bafunde amakhono amasha noma bathole indlela entsha ngokuphelele yomsebenzi. Njengomphumela wakho konke lokhu, imali abayongele umhlalaphansi kanye nezinzuzo zokuphepha komphakathi esikhathini esizayo kuzoba phansi kakhulu kunabalingani babo besilisa.
Njengoba abesifazane bebhekana nezingqinamba ezingeziwe uma kuqhathaniswa nabesilisa, nazi izeluleko zokuthi ungaqiniseka kanjani ukuthi isimo sakho sezimali, njengomuntu wesifazane, sivikelekile.
Isehlukaniso iseluleko sezimali kwabesifazane
Ikhanda lakho kungenzeka lizulazula ngemibuzo eminingi. Ngizozondla kanjani? Lokhu kuzowuthinta kanjani umsebenzi wami nomsebenzi? Ingabe ngizolahlekelwa ikhaya lami? Ngingakwazi yini ukukhokhela indlu yami uma ngikwazi ukuyigcina? Ngezansi kunezinto okufanele uzigcine engqondweni.
Ingabe kufanele uqashe ummeli wedivosi obizayo?
Ukonga imali ngezimali zommeli njll. Ungahle ufune nokuthi ubuhlungu buphele ngokushesha yingakho ungahle ufune ukuthi izinto ziphele ngokushesha okukhulu. Uma icala lesehlukaniso liya ecaleni, lizokubiza kakhulu. Ungahle ucabange ukuthi ungaqedela amaphepha esehlukaniso ngenkonzo eku-inthanethi, ngezindleko eziphansi kakhulu. Uma uqinisekile futhi unesiqiniseko sokuthi wena noshade naye ningavumelana ngayo yonke imibandela, nihlukaniselane izimpahla ngokulingana nangokulingana, futhi uma kungeke kube khona ukuphikisana ngokugcinwa kwengane nokwesekwa, kungcono ukungatholi ummeli.
Kepha uma izinto ziba nzima, udinga ukuqasha ummeli wedivosi noma umlamuli wedivosi ngokuya ngemali ongayonga.
Isabelomali sokukhokha ngemuva kwesehlukaniso
Isinyathelo esilandelayo nezeluleko zezezimali kwabesifazane abadivosa kufanele kube ukudala isabelomali sokukhokha ngemuva kokuphela komshado. Lapho nihlukanisa, imali kuzoba umcabango ophambili emqondweni wakho. Isinyathelo sokuqala ukuqoqa lonke ulwazi mayelana nezimali zakho. Ukwazi izimpahla zakho nezikweletu zakho kubaluleke kakhulu. Ngemuva kokuthi ukwenze lokho, dala isabelomali sezezimali.
Kufanele wakhe isabelomali esichaza izinto eziza kuqala, njenge:
- izinto eziseqhulwini kwezezimali
- okubaluleke kakhulu kwempahla
- izinto eziza kuqala ezinganeni
Imvamisa, abesifazane bathola ilungelo lokugcina izingane esehlukanisweni. Izeluleko zezezimali zabesifazane, kulokhu, kuzoba ukudala isabelomali esihlangabezana nazo zonke izidingo. Abesifazane bavame ukuthola ubunikazi bezindlu. Ukwenza isabelomali sokondla indlu nokunakekela izingane kufanele kube yinto ephambili kakhulu.
Zama ukuphendula imibuzo efana nokuthi 'yiziphi izikweletu ezizokhokhwa ngayiphi indlela ethile?', 'Ngubani ozogcina indlu?', 'Uma indlu izothengiswa, imali izokwabiwa kanjani?', ' ngubani ozokhokhela ikolishi lezingane? ' njll.
Ngenkathi wenza isabelomali, izidingo zesikhathi esizayo nazo kufanele zigcinwe engqondweni njengesidingo sakho sokuthenga imoto entsha ezansi, kwenziwe ukulungiswa okukhulu, njll.
Izinzuzo zokuphepha komphakathi nokushada futhi
Uma umshado wakho uqhubeke isikhathi esiyiminyaka eyishumi noma ngaphezulu kwalokho, unelungelo lokufuna izinzuzo zomlingani. Kepha uma uphinde ushada, awusenalo ilungelo lokufuna izinzuzo kumlingani wakho wangaphambili. Kufanele ugcine umholo wakho wamanje, izinzuzo ozitholayo neholo lomlingani wakho omusha, konke engqondweni yakho ngaphambi kokuthatha isinqumo sokuphinda ushade.
Isimo sezezimali kufanele sigcinwe engqondweni ngaphambi kokushada futhi. Uma izinzuzo ezivela kumlingani ohlukanisile ziphakeme kunezinzuzo ezingaba khona ezivela kumlingani omusha, uzojwayela ukuhlupheka ngokweqile ngokwezimali. Ngakho-ke, cabanga ngokucophelela ngalokho okufanele ukwenze.
Ukuhlela ukutshalwa kwezimali ngemuva kwesehlukaniso
Ukuze ufeze izidingo zakho zesikhathi esizayo, kufanele wazi ukuthi unamalini namuhla nokuthi uzoyitshala kanjani ikusasa. Ukuxhumana nomeluleki wezezimali kungaba yindlela engcono kakhulu. Ngokuya ngezinhloso zakho, umeluleki wezezimali uzokusiza wenze ukukhetha okuhle kakhulu ngekusasa lapho isehlukaniso sesixazululiwe.
Ukuhlela nokuvuselela amadokhumenti
Uma oshade naye ebizwa njengomzuzi wohlelo lomqashi wakho ofanelekayo, ama-IRAs, impesheni nezinqubomgomo zomshuwalense wokuphila, lezi zimpahla zizodluliselwa kumzuzi wakho lapho ushona. Uma ukhetha ukuthi lokhu kungenzeki, kufanele ubuyekeze amadokhumenti akho bese uwavuselela.
Izimpahla zomhlalaphansi
Esinye iseluleko sezezimali sabesifazane abathola isehlukaniso ukucabanga ngezinhlelo zabo zomhlalaphansi kanye nezezimali. Ukuthatha umhlalaphansi kungenzeka kungabi yinto yokuqala engqondweni yakho lapho ubheka imiphumela yesehlukaniso. Ungase ucabange ukuthi ukunakekela izingane nokuzifunela indawo kungaba yizinto ezikucindezela kakhulu okwamanje, kodwa udinga ukuhlela umhlalaphansi wakho ngasikhathi sinye. Udinga ukubheka zonke izinto ngesikhathi senqubo yesehlukaniso ukuqinisekisa ukuthi konke kuzonakekelwa uma kuphela umshado ngokusemthethweni.
Ukusonga
Indlela enhle yokuvikela ikusasa lakho ukuthola ukuqala manje bese uhlela konke ngokucophelela. Fundiswa ngazo zonke izindaba zezezimali. Qonda isimo sakho sezomnotho bese uhlela ngokwezidingo zakho. Siyethemba ukuthi izeluleko zezezimali zezehlukaniso ezishiwo ngenhla kubantu besifazane zibonakale zilusizo kuwe.