-Delile
Emibhangqwaneni, uSuku lukaValentine luvame ukufaka ushokoledi, izimbali, ukudla okumnandi nezipho ezinkulu - konke lokhu okubandakanya ukuboniswa kothando okubiza kakhulu. NgokweNational Retail Foundation, imali esetshenzisiwe yoSuku Lwezithandani kulindeleke ukuthi ifinyelele ngaphezu kwezigidi ezingama- $ 20 kulo nyaka.
Esikhundleni sokuchitha amakhulu wamadola ngoSuku Lwezithandani, wena nomlingani wakho ningakhombisa ukuthi nisho malini komunye nomunye ngokwenza lezi zimali zihlangane.
Ingxenye ehamba phambili:
Nisiza ukuthuthukisa impilo yezezimali yomunye nomunye - indlela enenjongo kakhulu yokubungaza uthando lwenu komunye nomunye.
1. Xoxa futhi uhlele imigomo yakho yemali
Thatha leli thuba uxoxe ngezimali zomunye nomunye nezinhloso zezimali zomunye nomunye.
Khuluma ngobudlelwano bakho nemali yakho, izinhlelo zakho zomsebenzi, nokuthi uhlose ukukuzuza kanjani ngokombono wezezimali.
Bheka:
Imali iyinto ethintekayo phakathi kwanoma ngubani, hhayi imibhangqwana kuphela. Isihloko sivame ukufaka umuzwa wokuba sengozini.
Ikhono lokudalula nokwabelana ngesimo sakho sezezimali nokubuka kwakho kungaba yinto enkulu yokuhlangana ekhombisa ukwethembana.
Ngena ekhasini elifanayo ngokwezimali kusenesikhathi futhi kahle ngoba imali imvamisa iyisizathu sokuthi ubudlelwano abusebenzi ngokuhamba kwesikhathi.
2. Joyina izimali zakho
Khombisa ukuzibophezela kwakho kokunye kwakho okuphawulekayo ngokuthatha izinyathelo zokuhlanganisa ezezimali ngandlela thile.
Kungafaka:
- Ukuhlala ndawonye
- Ukuvula i-akhawunti yasebhange ngokuhlanganyela
- Ukwakha isabelomali ndawonye
Kukhona izinga eliphakeme lokubonisa obala elidingekayo kulezi zinyathelo zezezimali.
Isibonelo, ukuhlala ndawonye kuyisinyathelo esikhulu ngokomzwelo nangokwezimali. Nihlala komunye nomunye futhi lokho kungasho ukuhlukanisa izindleko nezinye izibopho zezezimali.
Kusukela esithombeni esikhulu, lokhu kuhamba kungakhuphula ukuhamba kwemali kwakho nobabili nozakwenu ngoba izindleko ezabiwe ziphansi kunokuhlala ngokuhlukile.
Noma, uma uvula i-akhawunti yasebhange ngokuhlanganyela, wembula umsebenzi osetshenzisiwe kanye nemali engenayo ebophezela omunye komunye kulezo zinhloso okungenzeka zibekwe esinyathelweni sokuqala. Kukhombisa ukuthi zombili izinhlangothi zikulungele ukwenza izinguquko ezimalini zazo ukuze kusizakale ubudlelwano.
3. Sisizane sithuthuke
Ngabe kukhona ukushiyeka kuwe noma ekusethweni kwezezimali komlingani wakho? Ngabe nisizane yini nithuthuke ngendlela efanele?
Unganikela ngokusizana:
- Thuthukisa izikolo zesikweletu
- Phatha isikweletu kangcono
- Buyekeza iphothifoliyo yokutshala imali
Uma kunezinhlelo zokushada futhi zithenge ikhaya ndawonye, amaphuzu aqinile wesikweletu abalulekile kunoma yiziphi izimalimboleko ezinkulu ezidingekayo ngokuzayo. Futhi, ukusungula isikweletu esihle kungathatha isikhathi.
Enye indlela yokusiza umlingani wakho akhe isikweletu ukubangeza njengomsebenzisi ogunyaziwe ekhadini lesikweletu, okungasiza ukukhuphula amaphuzu akhe esikweletu.
Omunye umthwalo wezezimali kubantu abaningi yizikweletu, ikakhulukazi ezilinganisweni zenzalo ephezulu yekhadi lesikweletu. Kungumthombo wengcindezi - futhi ukukhululeka kulokho kucindezeleka kungaba "isipho" sosuku lukaValentine. Hlalani phansi nihlole isimo sesikweletu somunye nomunye ukuze nibone ukuthi azikho yini izindlela zokuphatha isikweletu kangcono. Ngabe izikweletu zikhokhwa ngendlela ezoholela ezilinganisweni ze- $ 0? Ngabe kunengqondo ukuthi omunye wenu ahlanganise izikweletu ziye enanini eliphansi lenzalo?
Ekugcineni, bheka ukuthi wena nomlingani wakho nisondela kanjani kutshalomali. Gxeka amaphothifoliyo womunye nomunye ngokwabiwa kwempahla, ukubekezelelana kwezinhlekelele, izindleko, kanye nezinzuzo zentela. Ngabe omunye wenu utshale imali kakhulu emakethe eyodwa? Ngabe ubona imali eshibhile yokubambisana noma ama-ETF angafaka esikhundleni sokubamba okukhona? Ngabe i-akhawunti yomuntu ngamunye ethatha umhlalaphansi ilahlekile kuphothifoliyo?
Ekugcineni, lezi zinyathelo zigxila ebudlelwaneni obunezinhloso ezinhle kakhulu zemali. Futhi, kungaba ngumsebenzi woSuku lukaValentine onomthelela kakhulu kunanoma yikuphi ukushintshaniswa kwempahla ebonakalayo.