-Delile
- 1. Phendukela ekukholweni kwakho unikele zonke izinkathazo zakho kuNkulunkulu
- Ukuxhumana kubalulekile
- 3. Hlaziya izinto eziza kuqala nakuzezimali
- 4. Thola ukwesekwa
- 5. Thembeka ezinganeni zakho
- 6. Qhubeka nempilo yakho yansuku zonke
Njengabazali, kungumsebenzi wenu ukuhlinzekela izidingo zomndeni eziyisisekelo, ukhokhe izikweletu ngesikhathi, ubeke izingane esikoleni futhi usadinga ukwazi ukubeka imali eceleni yokonga. Ngakho konke lokhu engqondweni, ukubuyela emuva okukhulu kwezezimali kuyinto yokugcina ongathanda ukuthi yenzeke.
Akukona nje kuphela ukucindezela nokukhungatheka; Inkinga yemali ibuye ibe negalelo elinamandla elingaqeda ubuhlobo benu njengezithandani futhi lithinte wonke umuntu emndenini.
Ukungasebenzi, isimo esiphuthumayo sezempilo, nezindleko ezingalindelekile njengemoto enkulu noma ukulungiswa kwekhaya konke kungaholela ekubuyeni kwezezimali.
Kepha isizathu esisodwa sangempela sokuthi kungani konke lokhu kuholele enhlekeleleni ukuthi abantu abaningi abalungiselwe ngokwezimali lezi zimo ezingalindelekile.
Ucwaningo lwe-Federal Reserve Board luthola ukuthi abantu baseMelika abane kwabayishumi abakwazanga ukukhokhela izindleko eziphuthumayo ezingama- $ 400, okusho ukuthi labo abangenayo imali kuzodingeka bathengise ezinye zezinto zabo, baphile ngesikweletu sabo amakhadi, noma uthathe isikweletu ukuze uzuze. Isikweletu sabo sasekhaya sesilinganiso semali singaba ngokweqile uma kwenzeka izindleko ezincikene zama- $ 400.
Uma uzithola uphonswa kwesinye salezi zimo ezinzima ungakulungele, maningi amathuba okuthi wena nomndeni wakho nizodonsa kanzima ngokwezezimali. Kodwa-ke, akudingeki ukuthi kube yisiqephu esethusayo somndeni wakho. Nawa amathiphu ayisithupha awusizo wokuthi ungazisiza kanjani wena nomndeni wakho nibhekane nezikweletu zasekhaya kanye nenkinga yezezimali:
1. Phendukela ekukholweni kwakho unikele zonke izinkathazo zakho kuNkulunkulu
AbaseFilipi 4: 6 bathi, "Ningakhathazeki ngalutho, kepha kukho konke izicelo zenu mazaziwe nguNkulunkulu ngokukhuleka nokunxusa kanye nokubonga."
Ukuba senkingeni yezezimali isikhathi esinzima kakhulu kunoma ngubani, ikakhulukazi uma unezingane, futhi nina njengombhangqwana ngokwemvelo nizoqala ukukhathazeka ngokusinda kwansuku zonke. Kodwa-ke, akumele uvumele izinkathazo zakho zikunqobe.
Kunalokho, zinike isikhashana uthandaze. Thandaza nowakwakho, thandaza nezingane zakho, futhi nithandaze njengomndeni. Cela ukuhlakanipha, ukuholwa, nokunikezwa ngalezi zikhathi ezinzima. Umshado owakhiwe unokholo oluqinile kuNkulunkulu njengesisekelo sawo ungamelana nanoma yisiphi isivunguvungu esibafikelayo.
Ukuxhumana kubalulekile
Lapho ubhekene nezinkinga zezezimali kanye nesikweletu esibi semali esilinganisweni semali engenayo, imibhangqwana eminingi ijwayele ukuhoxa kubo bese iqala ukubhekana nale nkinga njengabantu ngabanye. Lokhu kushoda kokuxhumana kungahlanganisa inkinga eseduze futhi kubeke ubunzima ebudlelwaneni.
Esikhundleni sokusebenzela ukuxazulula inkinga wedwa, zinike isikhathi sokuhlala phansi noshade naye nikhulume ngodaba ngokukhululeka nangokwethembeka okuphelele. Leli yithuba elifanele nobabili lokwazisa omunye nomunye ukuthi nizizwa kanjani ngalesi simo, nithole umnyombo wenkinga, bese niza nohlelo lokusebenza enivumelana ngalo nobabili.
3. Hlaziya izinto eziza kuqala nakuzezimali
Uma ungenawo umkhuba wokulandela umkhondo wezindleko zomndeni wakho, manje isikhathi sokuqala. Lokhu kuzokunikeza isithombe esicacile sesimo sakho sezezimali nokuthi kungani imali isiyinkinga manje ekhaya lakho. Lesi isinyathelo esibalulekile sokubhekana nezikweletu zasekhaya.
Qala ngokubhala phansi imali oyitholayo nezindleko zakho. Uma izindleko zakho zasendlini nezomuntu siqu zidlula kakhulu umholo wakho ohlanganisiwe wenyanga, sekuyisikhathi sokuhlola kabusha konke okubalulekile kuwe. Dlula kuhlu lwakho bese ushaya lezo zinto umndeni wakho ongazenza ngaphandle kokubhaliselwe kwekhebula nomagazini.
Ukunciphisa izindleko kungakusiza ukhulule imali edingeka kakhulu ongayisebenzisa ukukhulisa isabelomali sakho noma ukuyigcina uma kunesimo esiphuthumayo.
Ungakuthola futhi kulula ukugcina uhlu lwazo zonke izimpahla onazo. Lezi zimpahla zingakhanselwa ukuze ugcine umndeni wakho ugeleza ngoba into yokugcina oyifunayo ukuzingcwaba ngokujulile ezikweletini ukuze uziphilise futhi ubeke umndeni wakho esimweni esiyingozi kakhulu kunalokho osukho kakade.
4. Thola ukwesekwa
Abantu abaningi bazizwa benamahloni ngokukhuluma nabanye abantu ngezinkinga zabo zemali nokucela usizo. Kepha bewazi ukuthi ukucindezela ngenxa yezinkinga zezezimali nakho kungayilimaza impilo yakho? Ucwaningo lukhombisa ukuthi ukucindezela kwezezimali manje sekuxhunyaniswa nokukhathazeka nokudangala. Cishe ama-65% amaMelika alahlekelwa ukulala ngezinkinga zemali.Ngakho-ke, uma izinkinga zakho zesikweletu seziba ziningi kakhulu ukuthi ungazithwala wena noshade naye, ungesabi ukucela usizo.
Umndeni nabangane nakanjani bazonikeza ukusekelwa okungokomzwelo, uma kungenjalo ukwesekwa kwezezimali. Ungase futhi ufune usizo kumeluleki osemthethweni wezikweletu futhi ucabangele ukubhalisela uhlelo lokusiza izikweletu ukukusiza ukubhekana nesikweletu sakho esikhulayo.
Noma yini oyikhethayo, ukuba nabanye abantu abazimisele ukunikela ngosizo lwabo kuzokwehlisa kakhulu umthwalo onawo.
5. Thembeka ezinganeni zakho
Kungokwemvelo ukuthi abazali bavikele izingane zabo kunoma iyiphi inkinga ehlasela amakhaya abo. Ngemuva kwakho konke, kufanele sivumele izingane zibe izingane. Izinkinga zezezimali nokho, kuyinto ongeke ukwazi ukuyifihla. Izingane ziqonda kakhulu; nakanjani bazobona izinguquko ezisendlini yakho futhi babone ukucindezeleka nokukhungatheka kwakho.
Khuluma nezingane zakho ezingeni elifanele ubudala futhi uzitshele ukuthi kwenzekani. Gxila kakhulu kumagugu abazokwazi ukuwafunda kulokhu okuhlangenwe nakho njengokonga, ukwenza isabelomali, kanye nenani lemali, kunenkinga uqobo lwayo.
Okubaluleke kakhulu, nika izingane zakho isiqinisekiso sokuthi njengomzali, wenza okusemandleni ukubhekana nalesi simo.
6. Qhubeka nempilo yakho yansuku zonke
Ukuthi imali icinene, akusho ukuthi impilo kumele ime. Ngangokunokwenzeka gcina inqubo yakho ekhaya ifana. Thatha ithuba lokuhlola imisebenzi ephansi kodwa emnandi efana nesikhathi sokudlala ntambama epaki nezingane nokuvakashela ukuthengiswa kwegceke.
Esikhundleni sokudla isidlo sakusihlwa endaweni yokudlela kanokusho nomlingani wakho, kungani ungabi nesidlo samakhandlela ekhaya noma uye kobusuku bama-movie mahhala emphakathini wakini.
Izinguquko ezinkulu ezingenakugwenywa njengokuthuthela ekhaya elisha zingaba namandla, ngakho-ke uma ubona lokhu kwenzeka esikhathini esizayo esiseduze, kungcono ukhulume izindaba, kodwa ukwenze ngobumnene. Gxila kakhulu ezicini ezinhle ezifana nokuqala kabusha; okubalulekile ukuthi umndeni ubumbene ebunzimeni noma ebubini. Okokugcina, ake sizwane sithandane futhi siziswe. Ningalahlekelwa yizo zonke izinto ezibonakalayo imali engazithenga kodwa uthando eninalo ngomunye nomunye njengomndeni luyohlala impilo yonke.
Vumela lolu lwazi lukufundise wena noshade naye ukuthi nibe nenhloso enkulu ekuphatheni imali yenu ngakho-ke lapho kwenzeka okuthile okungalindelekile futhi okuzoba nomthelela ezimalini zenu, nizobe nikulungele kakhulu ukunciphisa umthelela walo futhi nivimbele nenkinga engenzeki.