-Delile
- Vuma ukuthi kunezihloko ezithile zezezimali kungaba nzima ukuxoxa ngazo
- Dala isikhala esivulekile, esinamasu futhi esizolile
- Ukudala izinhloso kuzokunikeza isithombe esicacile futhi kusize ukulungiselelwa okulindelwe
- Xoxa ngomlando wakho wezezimali
- Ukuxhumana kwakho ngemali kuthinta ukulingana kwakho nomlingani wakho
- Ukubhekana nezabelomali
Ukufunda indlela yokukhulumisana nokusebenza ezindabeni zakho zezezimali ndawonye njengombhangqwana kungaba yinselelo. Ikakhulukazi uma wenze amaphutha ezezimali esikhathini esedlule, noma uma ungumbhangqwana omusha futhi kufanele uqale ngokuxoxa ngezihloko ezihlobene nezezimali ezikhohlisayo.
Yize sibona ukuthi izingxoxo zezezimali azithandani kangako, kubalulekile ukuthi uvule izimali zakho. Ukuqala impilo yakho yomshado ngezimfihlo ngeke kubusekele ubudlelwano bokuthembana, futhi ekugcineni bazophuma ngasikhathi esithile.
Vuma ukuthi kunezihloko ezithile zezezimali kungaba nzima ukuxoxa ngazo
Isinyathelo sokuqala sokufunda ukuxhumana kanye nokusebenza ezindabeni zakho zezezimali ndawonye ukuthatha isikhathi sokuvuma mathupha ukuthi kungaba khona izihloko ezithile zezezimali ezingaba nzima ukuxoxa ngazo, noma ezingakwenza uzizwe usengozini, noma uzivikela ngandlela thile . Kubalulekile ukuthi wazi ukuthi umlingani wakho naye angaba nezinkinga ezifanayo.
Dala isikhala esivulekile, esinamasu futhi esizolile
Uma uhlala endaweni evulekile, enamasu futhi ezolile uma kuziwa ekuxoxeni ngezezimali, ungazilungiselela ukuba nesibindi, ukuqonda nokwamukela noma isiphi isimo wena noma umlingani wakho okungadingeka ukuthi nibhekane naso.
Lapho uthola ukuthi ungaxhumana kanjani futhi usebenzele izindaba zakho zezezimali ndawonye, kunezihloko ezithile ongazisebenzisa ukukusiza uqonde ukuthi yiziphi izindawo ohambelana kuzo ngokwezezimali, nokuthi yiziphi izindawo ezingadinga ukuthi umsebenzi othile uzenze ngcono.
Ukudala izinhloso kuzokunikeza isithombe esicacile futhi kusize ukulungiselelwa okulindelwe
- Ukuze uqonde kahle ukuthi umi kuphi manje, ngokwezimali njengezithandani.
- Ukufunda ukuthi ngamunye wenu angathanda ukuphatha kanjani imali yakho.
- Ukuqhathanisa ukuthi uziphatha kanjani izimali zakho nokuthi ufuna ukuzilawula kanjani.
- Ukuqonda ukuthi yiziphi izimo zezezimali ezingadala ukukhathazeka, noma ezinye izinkinga uma wena noma oshade naye nibhekene nazo.
- Ukufunda ukuthi yiziphi izinhlobo zokuzibophezela kwezezimali ngamunye wenu angafuna ukuzenza ngokuzayo (ngokwesibonelo ukuthenga ikhaya, umhlalaphansi, njll.).
Lokhu kuzokunikeza isithombe esicacile sesimo sakho samanje, imingcele yakho ngamunye kanye nokulindela kwakho ngekusasa.
Nazi izihloko ezibalulekile okufanele uzicabangele lapho ufunda ukuthi ungakhuluma kanjani futhi usebenzele izindaba zakho zezezimali ndawonye.
Xoxa ngomlando wakho wezezimali
Qiniseka ukuthi uxoxa ngemikhuba yakho yezezimali, izibopho, ukuzibophezela kwakho, kanye nokucabanga kwakho ngemali. Xoxa ngokuthi uzizwa kanjani ngemali, nokuthi uke wayiphatha kanjani imali yakho esikhathini esedlule. Ukuthi ubufuna ukugcina kanjani izimali zakho nokuthi uphumelele kanjani, noma 'wehlulekile.' Xoxa ngokuthi wakhuliswa kanjani mayelana nemali nokuthi yini ebalulekile kuwe ngemali ephathelene nesikhathi sakho esedlule.
Ngokwesibonelo; ukube ubumpofu, ungazizwa ukhathazekile uma ungenayo imali oyongilele usuku lwemvula, noma ungakhokha ngokweqile, noma usebenzise ngokweqile uma unemali. Uma ukhule ngokunethezeka maqondana nezezimali, ungakuthola kunzima ukuqonda ukuthi ungabhajetha kanjani, noma ukuthi umuntu ubengangena kanjani ezikweletini.
Khumbula, kuzodingeka uhlale uvulekile, ungahluleli futhi uzwela emibonweni yomlingani wakho, okulindelwe kanye nezinkinga ngemali. Qonda ukuthi sonke sinamaphuzu okubangela ukukhathazeka okungenzeka ngokuphathelene nezezimali.Futhi sonke sinokuziphatha okungabonakala njengoku ngokweqile, ukunganaki noma ukuhlupheka; njengokuphuza ngokweqile noma ukonga ngokweqile. Uma ukwazi ukukuqonda lokhu kwenza kube lula ukwamukela lapho nikhona njengezithandani, futhi kube lula ukubhekana nezinye zalezi zinkinga ngokubambisana.
Ukuxhumana kwakho ngemali kuthinta ukulingana kwakho nomlingani wakho
Indlela enikhulumisana ngayo ngemali ingaba nomthelela omkhulu ekutheni nizwana kanjani, nokuthi nisebenza kanjani ezindabeni zenu zezezimali ndawonye.
Ngokwesibonelo; Uma umlingani wakho engenandaba nokusebenzisa imali futhi uqaphe ngokweqile, ungathukutheli, noma ubeka icala necala kumlingani wakho lapho bechaza ngokwenzekile. Esikhundleni salokho, buza isimo ngomoya ophansi, ubuze ukuthi kungani kwenzeke, bese ubuza umlingani wakho ukuthi yena ucabanga ukuthi yini okufanele niyenze nobabili ukuvimbela lokhu ngokuzayo. Ngemuva kwalokho yenza uhlelo lokulwa nalesi simo bese ulandela ngaso. Le ndlela ikhulumisana kakhulu futhi iyasebenza kunokuvumela imizwa yesimo ukuthi ibambe.
Kungenzeka ukuthi umlingani oyedwa (noma bobabili) bazohlala bezizwa sengathi kufanele bafihle izindlela abaziphethe ngayo kumuntu abashade naye ngoba ukuziphatha okuyimfihlo noma icala emalini nasezimalini ligxile kakhulu ohlelweni lwabo lokukholelwa.
Ukwamukela le nkinga nokwakha isu ndawonye lokuthi nizosebenza kanjani nobabili ekugcineni ukuxhumana okuvulekile uma kukhulunywa ngezimali kuzonisiza nobabili nibuyele endleleni efanele uma amaphethini amadala noma amaphutha enzeka kwenzeka ngezikhathi ezithile - futhi kuzosindisa okuningi wezingxabano nokungathembani!
Ukubhekana nezabelomali
Ithuluzi elihle kakhulu lokufunda ukuxhumana kanye nokusebenza ezindabeni zakho zezezimali ndawonye yisabelomali. Uma ukwenza isabelomali kube yinto ephambili ezindabeni zakho zezezimali, nobabili niyokwazi ukuthi nimi kuphi futhi ningavumelana ngalokho okudingekayo noma okulindelwe ngokwezimali.
Isihluthulelo sokugcina isabelomali ukwenza imizamo yokubuyekeza imali oyisebenzisile ibhajethi yakho futhi wenze noma yiziphi izichibiyelo njalo. Ukuze ingxoxo yezabelomali nezezezimali ihlale ivulekile, ungalandelela lapho uphikisana khona nezinhloso zakho zezezimali, futhi noma yikuphi ukonga okusha noma ukusetshenziswa kwemali kuvunywa noma kuxoxiswana ngakho phakathi kwakho.
Ungadala ngisho nenselelo yokubona ukuthi ngubani ongonga imali eningi ezitolo zokuthenga, noma kuzabelomali zabo zenyanga, noma inselelo yokuqhamuka nombono wokudala kakhulu wokonga imali ngendlela emnandi.
Ukugoqa
Into emnandi yokusebenza ekuphatheni izimali ndawonye kuzosusa isithukuthezi sokwenza isabelomali futhi kwenze isipiliyoni sithakazelise. Lokhu kuzosebenza njengendlela enhle yokwakha ukuzibophezela, ukwethembana nokukhuthazana phakathi komunye nomunye.
Vele ungakhohlwa ukufaka izibopho zakho zezezimali kuzabelomali zakho futhi - hhayi izabelomali zakho zasendlini kuphela.