-Delile
- 1. Ukuxhumana - yazini ulimi lwemali lomunye nomunye
- 2. Imephu Yemali - uzulazule kumahla-ndinyuka akho wezezimali
- 3. Ukubambisana - sebenzani njengeqembu
Yize umshado uyisikhungo esidala kunazo zonke sezenhlalo futhi unikeza isisekelo lapho impucuko yethu yakhelwe khona, wukwakhiwa komphakathi obekuyisimo sokuvela njalo. Ekuqaleni, isiko lomshado lalingasekelwe ngokomzwelo nhlobo. Uthando lwalungahlangene ngalutho nalo, ngomqondo ongokomfanekiso. Kwakuyisikhungo sezepolitiki nesomnotho esizinze ngokwezimali. Ngakho-ke kungani ingxoxo yezimali emshadweni ingavumelekile kangaka? Uma umshado bekulokhu kuyisiko ebelisuselwa kwezezimali, kungani-ke kukhona konke ukudideka kokuthi ungahamba kanjani lapho umbhangqwana umi khona ngokwezimali? Impendulo ithi uma sinomqondo oguqukayo womshado ngekhulu lama-21 kudingeka sikuphelezele lokho nomqondo oguqukayo wezezimali emshadweni kulowo mhlangano womphakathi.
Into yokuqala okufanele uyikhumbule ukuthi ayilingani ngosayizi owodwa yonke imodeli. Akunampendulo eyodwa ecacile yokuthi izithandani kufanele ziphathe kanjani imali emshadweni. Abanye bakhetha ukuhlanganisa yonke ingcebo yabo kanti abanye bagcina yonke into ihlukile. Futhi, abanye, sebenzisa imodeli eyi-hybrid ehlanganisa ezinye izimpahla ngenkathi ezinye izinto zisahlukanisiwe.
Nawa amasu awusizo azokuqalisa empumelelweni yomshado wezezimali
1. Ukuxhumana - yazini ulimi lwemali lomunye nomunye
Kubalulekile ukuba nezingxoxo ezivulekile ngemali nokuphathwa kwezimali. Udinga ngempela ukwazi umlando womunye nomunye maqondana nemali nokuthi yimaphi amanani ayisisekelo afundiswa njengezingane maqondana nale mibono. Mhlawumbe umlingani wakho noma wena uqobo lwakho awukaze ufunde lutho ngokuphatha isabelomali? Mhlawumbe eseyingane, umzali oyedwa ubephethe zonke izimali ngenkathi omunye edlala indima yomlingani othule? Mhlawumbe omunye wenu wakhuliswa ngumzali ongayedwa owayelawula ngokuzimela incwadi yamasheke? Zonke lezi yizendlalelo ezibucayi zomlando okufanele zibuyekezwe lapho kuqala ukwakha impilo ndawonye.
2. Imephu Yemali - uzulazule kumahla-ndinyuka akho wezezimali
Kubalulekile ukubheka phambili zisuka nje. Akufanele ube nesikhwama esiphuthumayo kuphela kepha ube nezinhlelo ezicacile zokuthi ungahamba kanjani ngekusasa lakho lezezimali. Hlobo luni lwezinto eziza kuqala kuwe njengezithandani? Yiziphi izinto ongathanda ukuqala ukuzilondolozela? Ngalesi sikhathi, unayo imali eyengeziwe eyengeziwe ongayonga, noma ngabe lokhu kuyinjongo yangomuso?
3. Ukubambisana - sebenzani njengeqembu
Umuntu osebenza naye ngaso sonke isikhathi udinga ukwazi ngemidlalo yakho emikhulu ephathelene nemali, ngakho-ke ungafihli lutho. Thembeka ekusetshenzisweni kwemali enkulu futhi ukhulume ngakho ngaphambi kokwenza empeleni. Izenzakalo ezincane zansuku zonke azidingi ingxoxo ngaso sonke isikhathi kepha qaphela njengoba nazo zihlanganisa. Uma wenze iphutha ngemali, futhi awuzange ukhulume ngakho nomlingani wakho kuqala, fess up bese uchaza ukuthi kwenzekani kumlingani wakho. Ngokuqinisekile ungabhekana nezinto kangcono njengeqembu kunokuthi ube wedwa njengomuntu oyedwa.
Ukusonga
Futhi, kubalulekile ukukhumbula ukuthi ayikho imithetho enzima futhi esheshayo maqondana nokuphatha imali emshadweni. Umshado ngokwawo udlule ekuguqukeni, ngakho-ke kulungile ukuthi uhambo lwakho lwezezimali ludlula ekuguqulweni kwezinto ngezikhathi ezithile futhi. Umqondo osemqoka okufanele uwugcine engqondweni ukuthi izinhlelo zakho zezimali zingashintsha futhi zivuthwe njengoba nje nobudlelwano bakho buzokwenza.
Endleleni yami yokuba ngudokotela, ngathatha umgwaqo onamajika. Ukuqala kuqala njengesiqu somlando esibambe iqhaza ekumbeni kwemivubukulo nasekufundiseni umlando wesikole esiphakeme iminyaka eyi-10; njengoba ngangiqhubeka ngithuthuka emkhakheni wezemfundo, ngathola ukuthi intshisekelo yami yangempela yayikukusiza abantu ukuthi baqonde izithiyo zokuphila ukuze bakwazi ukuzithuthukisa. Ngisebenze ezindaweni ezahlukahlukene kusuka emitholampilo yezempilo yengqondo, izilungiselelo zesikole somphakathi, izikole zokwelapha, ukwenza kwangasese, nasemakhaya abantu. Kusukela kuthisha kuye kumlawuli, umphathi wezokwelapha kanye nomnikazi webhizinisi, ulwazi lwami luhluke kakhulu futhi lubanzi. Ngifundile ukuthi noma ungaqala kumzila owodwa futhi uhambo lube lude futhi lube nzima, ukuphela kwakho kungenzeka, empeleni, kube ikusasa lakho.
Manje njengomeluleki wezempilo yengqondo onelayisense, i-LMHC, ngisebenza ngokukhethekile nezingane nemindeni. Ngineminyaka engaphezu kwengu-16 yesipiliyoni sokusebenza nezingane zayo yonke iminyaka, ngisiza izingane nabanakekeli bazo ukwenza umqondo wokuhlangenwe nakho okunzima empilweni nezinkinga eziyinkimbinkimbi zengqondo. Ngokuhambisana nokusiza imindeni ukuthi ibhekane nezingqinamba zempilo, ngiphinde ngisebenze nabantu abadala ababhekana nengcindezi, ukukhathazeka, ukudangala, nezinkinga zobudlelwano nokubambisana. Ukunqoba imigoqo yokuphila nezithiyo kubaluleke kakhulu empumelelweni yomuntu nasekuzizweni ufezekile.