-Delile
- Ukwehla kwezezimali kuqala
- Ukwehluleka ukuhlela ikusasa
- Ukusevisa imalimboleko, isikweletu, imali mboleko
- Ukwabelana ngenzuzo
- Ukuncika kwezezimali
- Manje ukukhuphuka kwezezimali
- Ukuguquguquka kwezezimali
- Amaphuzu esikweletu
- Ukonga kanye nokutshalwa kwemali
- Ukuphatheka kwezezimali
Umbuzo mayelana nokukhuphuka kwezezimali nokwehla kokuhlala nomlingani ongashadile kuyinto ebuzwa ngabantu abambalwa. Lokhu kwenzeka ngoba umbhangqwana ohlala ndawonye unezinye izinto eziningana emqondweni futhi izindaba zemali zibuyiselwa esihlalweni esingemuva.
Ngenkathi ukuhlala nomlingani ongashadile kungabandakanyi ukuzibophezela okukhulu, kunezinkinga eziningana zezimali, uma kuqhathaniswa nomshado.
Zivela ikakhulu ngenxa yokungabikho kokuzibophezela kwesikhathi eside ebudlelwaneni. Ngakho-ke, kungcono ukujwayelana nokunye kwalobu buhle nobubi obungakusiza ukuphatha kangcono izimali zakho.
Ukwehla kwezezimali kuqala
Ngokungangabazeki, kukhona ukwehla kwezomnotho okuningana lapho uhlala nomlingani ongashadile. Kodwa-ke, imali iyona kuphela ebambe iqhaza ebudlelwaneni obunqamukile, kufaka phakathi imishado.
Ukwehluleka ukuhlela ikusasa
Lesi yisongo sezimali esibaluleke kakhulu kubantu abahlala nomlingani ongashadile: abakwazi ukudweba izinhlelo zezezimali zekusasa labo.
Ukungaqiniseki kudlangile ezindabeni ezinjengokuthathwa kwesibambiso sendlu, ukulondolozwa kwenzuzo ephezulu nokuhlelela umhlalaphansi, phakathi kokunye.
Uma uthatha imali mboleko, kufanele ukhethe amanani amancane ngoba awukwazi ukubheka iholo lomlingani ongashadile.
Ngokwengeziwe, inani eligciniwe lizoncika kumholo wakho kuphela. Ukubuyiselwa kwemikhiqizo yokulondoloza nokonga kufana nokutshala kwakho imali. Ngakho-ke, ukutshalwa kwezimali okuphansi kusho ukubuya okuphansi.
Ukuhlelela ukuthatha umhlalaphansi nakho kudonsa kanzima ngenxa yokungaqiniseki okungokwemvelo okubandakanyeka ekuhlaleni nomlingani ongashadile.
Kuzodingeka uncike emholweni wakho ukuze uthenge uhlelo lokuthatha umhlalaphansi, ngemali ephansi ekhokhelwa kanye nembuyiselo encane.
Ukusevisa imalimboleko, isikweletu, imali mboleko
Ukwehla kwezezimali kokuhlala nomlingani ongashadile kubonakala lapho kuhlinzekwa imali mboleko, isikweletu kanye nemali mboleko.
Ngomthombo owodwa wemali engenayo, ukhungatheka inani lemali eliya ekugcineni isikweletu ngaphandle kosizo oluvela kumlingani ongashadile.
Uma kwenzeka kwenzeka okuthile njengokulahlekelwa ngumsebenzi, uzophoqeleka ukuthi uncike kulondolozo lwakho nasemizamweni yakho yokugcina isikweletu esamukelekayo?
Ukuthola imisebenzi kwesinye isikhathi kungathatha amasonto uma kungenjalo izinyanga. Kuze kube yileso sikhathi, ungathembela kumlingani ongashadile kuphela kuzisekelo ezifana nokudla, okokwembatha nendawo yokuhlala.
Ngaphandle kokuthi umlingani ongashadile azimisele ukwenza lelo mile elengeziwe futhi akusize uthole izizumbulu zezimali ezedlule, kungadingeka ukuthi uthole noma yimuphi umsebenzi onikeza ukuphefumula kubakweletisi isikhashana.
Ngenxa yalokho, ungahle uthathe umsebenzi okhokha kancane ukuze ugcine irekhodi lakho lezezimali liqondile.
Ukwabelana ngenzuzo
Uma kufanele utshale imali ngokuhlanganyela nomlingani ongashadile, bazofuna ingxenye yabo yemali ngezimbuyiselo. Bangafuna imali nenzuzo noma ngabe ubudlelwane busaphila, ukubhekana nezinkinga ezithile noma lapho kuphela. Lokhu kusho ukuthi kuzofanele uyeke noma yikuphi ukutshalwa kwemali kwesikhathi eside.
Ukuphuma ngaphandle kwezimali zesikhathi eside akulula. Kufaka phakathi izinhlawulo ezinganciphisa noma iyiphi inzuzo.
Ngenkathi umlingani wakho ongashadile engenazo izingqinamba zokuxazululwa ngemali encane, ungalahlekelwa kakhulu ngokuyekiswa ngaphambi kwesikhathi kohlelo lokulondoloza isikhathi eside olunenzuzo ngokuphelele.
Izimo ezinjalo zingabandakanya nemali mboleko ebanjiswe ngokuhlanganyela nomlingani ongashadile. Lapho ehlukana, umlingani uzofuna isabelo. Ngaphandle kokuthi une-buffers eyanele yokukhokhela umlingani ongashadile, kungenzeka ukuthi impahla ithengiswe. Ukuthengisa okuphuthumayo kungasho inzuzo ephansi noma ukulahleka.
Ukuncika kwezezimali
Kungadingeka ukuthi usize umlingani ongashadile ngomkhumbi ukudlula kunoma yiziphi izinkinga zezezimali ngenkathi ubuhlobo busasebenza. Ukulahla umlingani ngenxa yezinkinga zakhe zezezimali ezibangelwa noma yisiphi isizathu akuyona inqubo yokuziphatha. Futhi ayemukelwa ngokokuziphatha noma ngokwenhlalo.
Izingcindezi zangaphandle zizokuphoqa ukuthi uxhase umlingani, noma ngabe imali yakho iphansi.
Izimo ezinjalo zingaholela ekubambezelekeni kokukhokha obakweletayo, ukusevisa izimali nokukhokha izibopho zomthetho ezibandakanya ukunakekelwa kwabantwana nokuxhaswa ngemali.
Ngaphezu kwalokho, kuzodingeka ukuthi weseke umlingani ongashadile ngaphandle kokulindela ukuthola imali. Lokhu kungenzeka uma umlingani wakho ongashadile ekhubazekile noma ehlushwa ukugula okungamahlalakhona okudala izithiyo emsebenzini noma ebhizinisini.
Manje ukukhuphuka kwezezimali
Kodwa-ke, ukuhlala nomlingani ongashadile kudinga inhlekelele yezezimali kunoma ngubani. Kunokukhuphuka okuningi kwezezimali kokuhlala nomlingani ongashadile futhi.
Ukuguquguquka kwezezimali
Ukuphakama okuphawulekayo kokuhlala nomlingani ongashadile kungukuguquguquka okungalingani kwemali. Lokhu kusho ukuthi unenketho yokunquma ukuthi ufisa ukusebenzisa malini izindleko zasekhaya ezihlangene njengokudla, izinsiza, nokuzijabulisa okubandakanya izikweletu ze-TV.
Ukuguquguquka kwezezimali kusho ukuthi, awudingi ukufakazela noma yiziphi izindleko ezinjenge-alimony noma inhlalakahle yengane okudingeka uyikhokhe njengezibopho zomthetho. Futhi akudingeki ukuthi uchaze imali oyisebenzisayo ekuzijabuliseni nasezitolo zakho ngoba ukuzibophezela nomlingani wakho kunqunyelwe.
Amaphuzu esikweletu
Wonke umbolekisi uzofuna ukuthi ubone amaphuzu akho esikweletu ngaphambi kokunikeza ikhadi lesikweletu noma ukubambisa ngempahla.
Uma kufanele uthole amaphuzu amahle kakhulu esikweletu, kungenzeka ukuthi ugcine lokho ngokuhlala kude nezimali ezibolekwe ngokuhlanganyela kanye nemali ebolekwa imali nomlingani wakho ongashadile.
Umbhangqwana oshadile uvame ukuthola isikweletu kanye nemali mboleko ngokuhlanganyela. Ziyahlolwa ngesisekelo sezikolo ngazinye zemalimboleko ehlanganyelwe. Ukuhlala nomlingani ongashadile kukwenza ukwazi ukugwema ukubambeka ngokwezimali ezindabeni zabo zemali.
Ukonga kanye nokutshalwa kwemali
Ukhululekile ukonga futhi utshale imali yakho kumabhange okufaka kanye neminye imikhiqizo ngaphandle kokufuna imvume kumlingani ongashadile.
Lokhu kukwenza ukwazi ukwakha iphothifoliyo yengcebo ngekusasa futhi kusize ekuhleleni umhlalaphansi.
Ngabe wena nomlingani ongashadile kufanele nithathe isinqumo sokungena emshadweni ngokuhamba kwesikhathi imali yenu kanye nezimali enizitshalile zingasetshenziselwa ukuzuzana? Kunganwetshwa ngokufaka umlingani ngoba bangumlingani wakho osemthethweni.
Ukuhlala nomlingani ongashadile kukwenza ukwazi ukuhlela ikusasa ngaphandle kokuya ngomunye umthombo wokuhola. Ungazikhethela izinhloso nezinjongo zakho zezezimali.
Ukuphatheka kwezezimali
Ukuhlala nomlingani ongashadile kuletha ukuthwala kwezezimali.
Lokhu kusho ukuthi, ungadlulisela ama-akhawunti akho asebhange kanye notshalo-mali kwabanye abahlinzeki, uma unganquma ukuthuthela kwenye indawo noma ukhethe izinsizakalo ezingcono nezimbuyiselo. Awudingi imvume yomlingani wakho ongashadile ngoba akusibo abasayina ekusebenzelaneni kwakho kwezezimali.
Ukuphatheka kwezezimali kubalulekile kubantu abayizinkulungwane zeminyaka nabancane abafuna imisebenzi engcono futhi abazimisele ukufudukela kwelinye izwe ukuze bathole amathuba amahle emisebenzi.
Kuyaqondakala ukuthi kungahle kungabi ndaba zalutho isikhathi esithile seminyaka noma njengoba ukhula ngeminyaka.
Kunokukhuphuka okuningana kwezezimali nokwehla kokuhlala nomlingani ongashadile. Kodwa-ke, lokhu kuyadida kakhulu. Ubudlelwano benziwa ngezizathu eziningi hhayi imali nje kuphela. Ngakho-ke, udinga ukuchaza ukuthi uhlose ukuphatha kanjani izimali zakho ngenkathi uhlala nomlingani ongashadile.