-Delile
- Kusho ukuthini ukungathembeki kwezezimali?
- Umthelela wokungathembeki kwezezimali
- Iphutha lokuthembeka?
- Izinhlobo zokungathembeki kwezezimali: Ingabe ukhona omaziyo?
- 1. Umgembuli
- 2.Umthengi
- 3. Umtshalizimali
- 4. I-stasher eyimfihlo
- 4 Izixazululo zokugwema ukungathembeki kwezezimali
- 1. Sebenzani ezindabeni zezezimali
- 2. Qasha i-accountant
- 3. Yiba amasheke nezilinganiso
- 4. Yiba nesabelomali
- Ukudla okudlela endlini
Izithandani ziphikisana kakhulu ngemali kunanoma yisiphi esinye isihloko. Izinkinga zemali nokucindezeleka kwezezimali kuyimbangela yokungavikeleki, izingxabano, nezinkinga ebudlelwaneni.
Indlela abantu abasabela ngayo ekucindezelekeni kwesikweletu, amaqoqo, noma ukungazethembi kwezezimali ingahluka. Abanye abantu bagqugquzelwa ukuthi basebenze ngokuzikhandla, ukuze bathole imali ethe xaxa; abanye bazobeka engcupheni enkulu futhi engahlakaniphile yezimali ukuze bathole ukukhokha okusheshayo, njengokugembula kwezemidlalo noma ekhasino. Abantu ababili ebudlelwaneni bangaya ezindabeni zemali ngezindlela ezihluke ngokuphelele, futhi lokhu kungaholela ekuthembekeni kwezezimali.
Kusho ukuthini ukungathembeki kwezezimali?
Ukungathembeki kwezezimali kungachazwa njengamanga, ukweqiwa, noma yikuphi ukwephula ukwethenjwa okuhambisana nezinkinga zemali ezibangela ukulimala kobuhlobo.
Ukungathembeki kwezezimali ukukopela kumlingani wakho, ngokufana nanoma yikuphi ukuthandana ngokocansi noma ngokomzwelo.
Noma yini oyifihla kumlingani wakho maqondana nokuphatha kwakho imali ithathwa njengokungathembeki kwezezimali.
Manje, angikhulumi ngokuthenga ikhofi ngisendleleni eya emsebenzini, noma ukubamba isemishi kudeli. Umuntu ngamunye kufanele abe nekhono lokusebenzisa imali elizimele lezinto ezingasho lutho. Akudingeki ukuthi uphendule ngayo yonke imali. Lokhu engikushoyo lapha amanani edola abaluleke ngokwanele ukuba nomthelela, noma abeke engcupheni, ukuphepha kwezezimali kombhangqwana.
Umthelela wokungathembeki kwezezimali
Kwabashadikazi abaphila imali ekhokhelwa ukukhokhelwa, ngokukhubazeka, usizo lukahulumeni, noma abangasebenzi, lokhu kungasho ukuthi noma inani eliphansi kakhulu ledola lingabonakala.
Imibhangqwana eminingi ingumholo nje kude nokungaqiniseki kwezezimali, futhi ukungathembeki kwezezimali kungonakalisa izimpilo zazo. Kubo, nakwalabo abacebile, abacebile, nabazinzile ngokwezezimali, akuyona nje indaba yemali kepha ukwethembeka nokuba yiqiniso phakathi kwabalingani.
Iphutha lokuthembeka?
Imvamisa umuntu owenza icala akusho ukuba nenkohliso. Inhloso yabo bekungekhona ukukhaphela ukwethembana komlingani wabo. Abanye abantu bamane nje abalungile ngezezimali.
Bangase benze iphutha futhi babe namahloni noma babe namahloni okukuvuma, ngakho bayakufihla. Noma bakhipha imali kwi-akhawunti eyodwa ukuze babuyisele isheke elibhakiwe. Lokhu ukungathembeki kwezezimali nakho.
Noma yini oyifihlayo kumlingani wakho kuwukukhaphela ukwethenjwa. Njenganoma yiluphi uhlobo lwenqubo ekhohlisayo ebudlelwaneni, ukuza ehlanzekile kuhlala kungcono. Awufuni amanga, ngisho amancane, angene phakathi kwakho nomlingani wakho. Ngiyazi ukuthi kunzima ukuvuma ukuthi wenze iphutha, kepha udinga ukwenza lokho futhi usule umoya.
Umlingani wakho angahle aphatheke kabi ngokwenzekile, mhlawumbe aze akuthukuthelele nokwenza iphutha eliwubuphukuphuku, kepha akulimazi kangako ebudlelwaneni kunokugcina kuyimfihlo.
Izinhlobo zokungathembeki kwezezimali: Ingabe ukhona omaziyo?
1. Umgembuli
Imali ingena. Izipho ziyathengwa. Izinto zamathikithi amakhulu zivela ngokungahleliwe. Umuntu uyajabula, uzizwa ephumelele, futhi muhle. Ngemuva kwalokho balahlekelwa. Izinto kumele zithengiswe, zikhokhelwe, abaqoqi bezikweletu baqala ukushaya izingcingo. Umuntu ogembulayo angaqamba amanga ngokulahlekelwa yimali. Bangase bahambe isikhathi eside futhi bangafuni ukukutshela ukuthi bakuphi.
Abagembuli bahlala esimweni sokungaqiniseki nokuguquguquka njalo. Baqinisekile ukuthi bazohlala benqoba, kepha sazi kangcono.
Ukugembula kungaqala ngokumsulwa ngokwanele kodwa ngobuqili kube ukuthanda ngokweqile nokulutha.
Uma ungumgembuli noma uhlala naye, kuyindlela enzima yokuphila futhi kuyindlela enzima kakhulu yokuhlala ubudlelwano kanye / noma ukuba nomndeni. Abagembuli kwesinye isikhathi badinga ukushaya “edwaleni” ukuze bayeke.
Kunezindlela zokwelashwa ezingalaliswayo nezigulisa iziguli ezingalaliseki, kodwa umgembuli kufanele avume ukuthi badinga usizo ngaphambi kokuba kusebenze. Kuthatha ukubekezela nothando olukhulu ukusiza umuntu ogembula ukuthi anqobe inkinga yakhe, futhi kunemizwelo eminingi, ukulahlekelwa, nokukhaphela endleleni.
2.Umthengi
Ukuthenga ngaphakathi kukodwa akukhona ukungathembeki kwezezimali. Sonke sidinga ukuthenga izinto emakhaya ethu, thina kanye nezingane zethu. Kodwa-ke, lapho ukuthenga kuba yimpoqo, bese umuntu eqala ukufihla ukuthenga kwabo kumlingani wakhe, usuzokukhaphela.
Uma ubona izikweletu ezivela kuma-akhawunti asebhange umlingani wakho angakwazi noma angeke azibhalele zona, noma uma uqala ukuthola amaphakheji egalaji, amakhabethe, isiqu semoto, noma izinto ezintsha eziqhubeka zivela ekhaya lakho, Isixwayiso sefulegi elibomvu sokuthi uphenye imikhuba yokuthenga yomlingani wakho.
Uma kungenziwanga, ukubheja okuluthayo kunga (kodwa akuhlali njalo) kungaholela ekuziphatheni kokuzibamba. Kunoma ikuphi, kuyindlela yokungathembeki kwezezimali engalawulwa.
Wena nomlingani wakho nidinga ukuxoxa ngemikhawulo yokusebenzisa kanye nesidingo sangempela sokuthengwa okusha.
Bamba lo mkhuba ngaphambi kokuba ube ngokweqile, ubize, ukhuluphele, futhi ube yingozi kakhulu.
3. Umtshalizimali
Umtshalizimali uhlala enohlelo "lokuceba ngokushesha" futhi athembise ukubuya kwemali enkulu noma aqiniseke ngokubulala isivumelwano. Isikhathi esiningi, lezi zimali zimayelana nokuphonsa imali enhle ngemuva kokubi kunokutshala imali futhi kuyaqabukela kuphume.
Lokhu akuvimbi abatshalizimali bethu ukuthi bangazibandakanyi nohlelo olulandelayo noma batshale imali ezimakethe zamasheya noma ezinkampanini ezintsha.
Lolu uhlobo lomdlalo oludlalwa abanye abantu abacebile njengohlobo lokuzilibazisa; kulungile kuze kulahleke imali futhi umtshalizimali akafuni ukutshela umlingani wakhe ngayo.
Impela, kuyaphoxa, kepha ngabe awukhethi ukuba namahloni kunokukhaphela ukwethembana nomlingani wakho?
Umtshalizimali udinga umkhawulo wokusebenzisa imali ukuze "adlale" naye. Ozakwethu kufanele bavumelane, futhi kufanele kudalulwe ngokugcwele ukuthi imali yotshalomali ivelaphi (ngubani ohlinzeka ngemali yembewu) nokuthi malini.
Kufanele kube nokuxhumana okuthembekile ngokuthi ingakanani imali elahlekayo noma etholwayo, futhi uma umlingani oyedwa engazizwa kahle ngokutshalwa kwemali, akufanele kwenzeke lokho.
4. I-stasher eyimfihlo
I-stasher eyimfihlo icishe ifane ne-prepper yosuku lwembubhiso. Bacabanga ukuthi ukuphela kwempucuko njengoba sazi ukuthi sekuseduze, futhi lapho udoti ushaya umlandeli, umnotho uzowa, nengqalasizinda yonke noma izwe lethu lizovele lime kancane.
Banohlelo lokuba ngaphambili kwe-apocalypse ezayo futhi bathenga konke ongakudinga ukuze usinde lapho konke sekuphansi. Ngiyabona ukuthi lokhu kungabonakala kukude kakhulu, kepha kunabantu abaningi laphaya abanale mindset kunalokho ongase ucabange.
Izinhloso ze-stasher eziyimfihlo zinhle, kepha uma umlingani wabo engekho ebhodini nemikhuba yabo yokuthenga, lokho akububoni kahle ubudlelwano. I-stasher eyimfihlo igcwalisa igalaji (noma i-bunker) ngenqwaba yamagiya okusinda, ukudla, izibhamu, nokuthi ngubani owazi konke okunye. Umlingani wabo kungenzeka angazi nokuthi kuthengwe kangakanani.
Le yinto okumele kukhulunywe ngayo futhi kuvunyelwane ngayo bobabili abalingani. Isinqumo sokulungiselela ukuphela kwezwe asikwazi ukuba ngesiphikisayo.
Uma imali eya kuzo zonke izinto ezifakiwe ivela kubo bobabili abalingani, ngamunye kufanele abe nezwi lokuthi imali isetshenziswa kanjani, noma ifaneleke njengokungathembeki kwezezimali.
Kule vidiyo engezansi, funda ukuthi ukungathembeki kwezezimali kungadala kanjani umonakalo emshadweni:
4 Izixazululo zokugwema ukungathembeki kwezezimali
1. Sebenzani ezindabeni zezezimali
Bobabili abalingani kudingeka bahlale phansi ndawonye bahlole isimo sezimali salabo abashadile futhi babheke ukuthi yiziphi izidingo zabo nokuthi izothatha malini ukuhlangabezana nezibopho zabo.
Uma abashadikazi bethatha isinqumo sokuthi kube nomlingani oyedwa ophethe incwadi yamasheke, ukukhokha izikweletu, njll., Kufanele kube nokubalwa kwezimali njalo ngenyanga lapho behlala phansi ndawonye ukuhlanganisa zonke izinkokhelo, futhi bobabili bayabona ukuthi imali isetshenziswa kanjani.
Bobabili abalingani kufanele baxoxe ngakho konke ukuthenga ngenani elibekiwe futhi kumele bavumelane ngokuthenga. Umthetho uwukuthi, uma ningenabo bobabili ebhodini, akwenzeki.
Sebenzani isabelomali senu ndawonye, nibone ukuthi nobabili ningasebenza kanjani ekongeni imali ukuze niyibeke kulezo zinto enifuna ukuzithenga. Ungayenza isebenze ngokuthembeka nangaphambili, futhi nobabili nibeke isikhathi nemizamo elinganayo ekugcineni yonke into iyiqiniso futhi ivikelekile ngokwezezimali.
2. Qasha i-accountant
Lapho oyedwa noma bobabili abalingani bezabalaza ngokuphathwa kwemali esikhathini esedlule, noma kube nezehlakalo zokungathembeki kwezezimali ebudlelwaneni, kungaba umqondo omuhle ukuthi umuntu wesithathu abandakanyeke. Kuyabiza kancane ukuba nomphathi wemali, noma i-accountant, kugcino, kepha ubudlelwane bakho bufanele.
Ukunikeza umphathi wakho wezezimali izimali zakho kuzokusiza kukukhulule ezinkingeni zokuthi imali isetshenziswa kanjani. Nizoba nochwepheshe owelulekayo futhi anisekele nobabili ekuhlangabezaneni nezinhloso zakho zezezimali.
Nisusa konke ukusola mayelana nemikhuba yokusebenzisa imali komlingani wakho, futhi njengombhangqwana, niyakwazi ukuba nezingxoxo ezingagunci nezithembekile mayelana namaphupho nezinjongo zenu zekusasa.
3. Yiba amasheke nezilinganiso
Ebudlelwaneni lapho kube khona ukuphatha kabi imali noma ukungathembeki kwezezimali, ukuya phambili, kufanele kube khona ukwethembeka nobuqiniso kuzo zonke izinto ezihlobene nezezezimali.
Nobabili kufanele nibe yincwadi evulekile uma kukhulunywa ngezindaba zemali.
Hlanganyelani njalo mayelana nokuthi uhlelo lwezezimali luhamba kanjani futhi nikhulume ngakho konke okuphathelene nokusetshenziswa kwemali.
4. Yiba nesabelomali
Isabelomali sanyanga zonke siyisidingo. Angikhathali ukuthi unemali engakanani kulondolozo, ukuthi ungenisa malini ngemali engenayo notshalo-mali; isabelomali sizokuvikela futhi sikugcine ukhuphukile futhi uma ususebenzisa imali.
Ukungathembeki kwezezimali kuncane kakhulu okungenzeka lapho abalingani bobabili behleli phansi ndawonye njalo emavikini ambalwa ukubheka uhlelo lwabo lwezezimali nokubona ukuthi isabelomali sisebenza kanjani.
Akubhalwanga ngamatshe, futhi unekhono lokuzivumelanisa nemicimbi engalindelekile, izinto ofisa ukuzithenga, noma izimo eziphuthumayo. Qiniseka ukuthi wakha ubumnandi kusabelomali sakho. Londolozelani okuthile enikufunayo nobabili, njengeholide noma imoto entsha. Nobabili kudingeka nitshale imali ngokulinganayo ekwenzeni uhlelo lwenu lwezezimali lusebenze.
Ukudla okudlela endlini
Iphuzu eliyinhloko lakho konke lokhu ukufaka izingxoxo zezezimali njengengxenye ejwayelekile yokuxhumana ebudlelwaneni bakho.
Akulula ngaso sonke isikhathi ukukhuluma ngezindaba zemali, kepha uma ungasebenzisa amanye amathuluzi engiwaphakamisayo, uzoba nesikhathi esilula sokuletha ukukhathazeka kwakho futhi wabelane ngemizwa yakho mayelana nezinhloso zakho nezinhlelo zakho zezezimali.