-Delile
- 1. Xoxa ngesimo sakho samanje sezezimali
- 2. Nquma ngemigomo yezimali nemikhuba yokusebenzisa imali ngokuningiliziwe
- 3. Nquma ukuthi yini ongathanda ukuyenza ngama-akhawunti akho asebhange
- 4. Yakha isabelomali sakho
- 5. Hlela uhlelo lokuhlangabezana nezimo
- 6. Funa umeluleki wezezimali
Ukuhlelwa kwezezimali kufanele kube yinto ephambili kuyo yonke imibhangqwana ngokushesha nje lapho ibuya ku-honeymoon yabo. Umshado awugcini nje ngokushintsha isimo sabo sezezimali kodwa futhi nombono wabo wezezimali.
Kunokucatshangelwa okuningi kwezezimali abashadikazi abasanda kushada abazodinga ukubhekelela ama-akhawunti asebhange, izikweletu, ukusebenzisa imali, ukuthenga impahla, ukuhlelela izingane, ukuhlela umhlalaphansi, kanye nendlela yokusebenzisa imali.
Nawa amanye amathiphu wokuthi yini okufanele uyicabangele ngesikhathi sokuhlelwa kwezezimali-
1. Xoxa ngesimo sakho samanje sezezimali
Hlalani phansi ndawonye nixoxe ngokuthi nikuphi ngokwezimali zenu njengamanje. Imikhuba yakho yokuchitha imali ngokuhlanganyela nangokubambisana, isikweletu sakho, izinto ofuna ukujabulela noma ukuzithenga ngokuzayo (ngawodwana nangokubambisana). Futhi, xoxani ngalokho ongeke ukwazi ukuhamba ngaphandle (yiba ngokoqobo). Zinike isikhathi sokukhuluma uxoxe ngezifiso zakho, amaphupho akho, kanye nezidingo zakho, noma ngabe kulesi sigaba kubonakala kungahambi ngendlela efanayo. Futhi, khumbulani ukubekezelelana.
2. Nquma ngemigomo yezimali nemikhuba yokusebenzisa imali ngokuningiliziwe
Nquma ukuthi isiphi isici esibaluleke kunazo zonke ekuhleleni kwakho kwezezimali njengamanje. Ngabe konga indlu, ukungezelela okusha emndenini, ukonga imali, noma ukujabulela iminyaka embalwa ukuthatha amaholide nokujabulela isigaba sokuqala sempilo yomshado ndawonye?
Bheka ngokulandelayo ukuthi imiphi imikhuba, uma ikhona, edinga ukuguqulwa, noma kuxoxiswane ngayo, nokuthi imiphi imikhuba umlingani ngamunye angaba nayo engadala ukukhathazeka komunye umlingani. Ngemuva kwalokho, zama ukuxoxisana ngendlela eya phambili. Noma yenza inothi ufune iseluleko mayelana nendlela eya phambili yalokhu kamuva.
Cabanga ukuthi uzophatha kanjani uma omunye wakho elahlekelwa ngumsebenzi, noma izimo zakho zashintsha ngandlela thile, futhi ucabangele ukuthi ungathanda kanjani ukuhlela isu lokulondoloza noma lomshuwalense ukukuvikela ngalezo zikhathi.
3. Nquma ukuthi yini ongathanda ukuyenza ngama-akhawunti akho asebhange
Ungathanda ama-akhawunti asebhange ahlanganyelwe kuphela, ama-akhawunti ngamanye noma inhlanganisela yama-akhawunti ahlanganisiwe nahlukene.?
Ama-akhawunti ahlangene alusizo ezindlekweni zasendlini, futhi izindleko zomndeni kwenza kube lula ukudlulisa ingxenye ngayinye yemali kwi-akhawunti ehlangene ukuze konke okudingayo ngokuhlanganyela kuhlanganiswe.
Uma umlingani ngamunye enama-akhawunti akhe angawodwana, angakusebenzisa lokho ngezidingo zabo zokusebenzisa imali ezenza ukuphatha izikweletu, nokusabalalisa izingxabano ezingase zibe ngokweqile kube lula kakhulu. Uzokwazi ukusebenzisa imali yakho siqu ngaphandle kokudinga ukuzizwa unecala lokusebenzisa imali, noma ukubonisana nowakwakho.
4. Yakha isabelomali sakho
Xoxa ngokuthi ukuphi manje nokuthi udinga imali engakanani oyibekela eceleni izikweletu nezinye izibopho. Hlola ukubona ukuthi lokho kungakukhokhela konke okudingayo futhi uma ungakwazi ukuthola ukuthi ungavumelana kanjani. Ngiyethemba, awudingi ukukhansela lokho kubhaliswa kweNetflix, kepha uma kudingeka ngakho-ke kubalulekile ukukwazi ukuzidela ukuze uzigcine uqondile ngokwezimali.
Uma ungenayo imali eyanele yokuziphilisa, kungadingeka ukuthi ubheke ezinye izindlela ongakhetha kuzo, njengokuthatha itoho, noma ukubamba iqhaza ohlangothini, ukufuna umsebenzi omusha, ukuziqeqesha kabusha noma ukuzifundisa, noma ukungenela isikhashana umndeni uze ukwazi ukulungisa izimali zakho.
Kwenze umkhuba omuhle ukuxoxa ngesabelomali ngaphambi kokuthi uphume, noma ukuthi uchitha malini ekuphumeni uyodla nobusuku ukuphuma kwesibonelo. Kulula kakhulu ukusebenzisa imali yakho yesikweletu ngokushesha ebusuku nje, ikakhulukazi lapho iziphuzo zigeleza!
5. Hlela uhlelo lokuhlangabezana nezimo
Uma unemali esele ngemuva kokuhlela ibhajethi yakho, yibekele eceleni uhlelo lwezimo ezingaba khona. Inani oligcinayo liphelele kuwe kepha kufanele kube umkhuba ozithola ungena kuwo.
Cabanga ngezehlakalo ezingalindelekile ezingahle zenzeke futhi uqiniseke ukuthi uzihlelela. Akuzona izinhlekelele nje kuphela, noma ukulahleka kwemisebenzi okungakumangaza. Ungahlala uqinisekisa ukuthi umshini wokuwasha uzophuka ngasikhathi sinye lapho i-vacuum yakho kanye ne-cooker nayo iyenza.
Lesi yisikhathi futhi sokubheka ikhava yomshuwalense wezempilo nempilo.
Uma ungenalutho olusele ukwakha izehlakalo bese ubuyela emuva ephuzwini lesine bese uthatha itoho noma uhlangothi lokuxokozela.
6. Funa umeluleki wezezimali
Okulandelayo, uzoba ohlakaniphile ukuhlela umhlalaphansi wakho, futhi uma unemali esele ukuqala ukutshala imali. Lokhu kungaba yinselelo eyinkimbinkimbi futhi eyingozi uma ungazi ukuthi wenzani. Ngakho-ke ukufuna umeluleki wezezimali omkhulu, ongachemi futhi othembekile ukukusiza ukuthi uhlele izici eziyinkimbinkimbi zokuhlela ezezimali kuzokusiza kakhulu.
Uma ungenaso isabelomali sokusebenza nomeluleki wezezimali, qala ukwenza ucwaningo ngamathuba amahle kakhulu wokuhlelela umhlalaphansi ngekusasa futhi wenze konke okusemandleni ukwenza ukukhetha okuhlakaniphile. Kepha, kuthola ithuba lokuqala ukuthi kuhlolwe ngokomsebenzi ukuze ungenzi amaphutha abizayo.