-Delile
- 1. Yazi zonke izimpahla zakho
- 2. Yazi izimali zomshado
- 3. Yazi inqubomgomo yokugcinwa kwezingane
- 4. Vala wonke ama-akhawunti ahlangene
- 5. Sungula isabelomali esisha
- 6. Ungasebenzisi ngokweqile
- 7. Khokha izikweletu ze-akhawunti ngokuhlanganyela
- 8. Khomba usuku lokwehlukana
Kuyini ukuhlukaniswa okusemthethweni? Futhi, ungaziphatha kanjani izimali ngesikhathi sokuhlukana?
Uma umshado wakho ungasebenzi, ukwahlukana okunokuthula kungaba isinyathelo esilandelayo esinengqondo. Ukwehlukana noshade naye kungaba yisimo esibi kakhulu esigcwele intukuthelo, ukuzisola, izingxabano, kanye neqoqo lemizwa ephukile.
Kuyingxenye yesimo somuntu ukungakwazi ukucabanga kahle ngesikhathi sezigameko ezihlukumezayo. Kepha ukuthula nokuzola ngalezi zikhathi kubaluleke kakhulu.
Ngezikhathi ezifana nalezi, akufanele wesabe ukuthola usizo, funa iseluleko kumeluleki wemishado, noma uqashe ummeli futhi uphathe izinto ezinjengomuntu omdala. Ukwehlukanisa imali nomlingani wakho ngemuva komshado kungaholela ezingxabanweni nasezitsheni eziphukile.
Ngakho-ke, kuyalulekwa ukuthi uhlele isehlukaniso sakho kanye nezimali zakho futhi uphathe imali yakho ngendlela efanele ukuze ungagcini ukwephuka futhi ube nesizungu ngasikhathi sinye. Ungavumeli umthwalo wakho wezezimali ngesikhathi sokuhlukana ube ngumthwalo kuwe.
Funda ukuze uthole ukuthi ungaziphatha kanjani izimali ngesikhathi sokuhlukana.
Lezi zeluleko ezingakusiza zingakuqondisa ngempumelelo ukuthi ungaphatha kanjani imali nokuthi ungazivikela kanjani ngokwehlukana.
1. Yazi zonke izimpahla zakho
Ngaphambi kokucabanga ukuthi ungaziphatha kanjani izimali ngesikhathi sokuhlukana, kubalulekile ukuthi uqonde ukuthi ungubani, unamalungelo muni, nokuthi yini eninayo nobabili njengombhangqwana.
Ukushada unezimali ezihlukile akuyona into ejwayelekile, futhi lapho isehlukaniso senzeka kungazelelwe, ungazithola unolwazi olwanele ngezimali zakho. Udinga ukuqonda okucacile kwezimpahla zakho namalungelo ezezimali ngemuva kokuhlukana.
Izimpahla zifaka phakathi okudingayo nokufunayo nokuthi yini okufanele uyifune ngokomthetho. Funda imithetho yokwehlukaniswa kwezezimali kanye nokwahlukaniswa kwempahla ngokwesimo sakho, futhi ungabi namahloni okufuna usizo lochwepheshe uma ungazi noma ungazi lutho.
Ukwazi izimpahla zakho kanye nomthwalo wakho wezezimali ngesikhathi sokuhlukana kukusiza uzilungiselele impilo ngemuva kokuhlukana noma isehlukaniso, futhi uzozithola usesimweni esihle lapho konke ukungcola kuphelile.
Uma uzibuza, 'ingabe ukwehlukaniswa ngokomthetho kukuvikela ngokwezimali?' lapho-ke, yebo, ulwazi nokulungiselela kungakongela impi ebiza kakhulu yezomthetho futhi kukusize ugcine nezimpahla okungezakho ngempela.
2. Yazi izimali zomshado
Iseluleko esivelele sezezimali sendlela yokuphatha izimali ngesikhathi sokuhlukana ukwazi kahle izimali zakho zomshado.
Uma izingxoxo zesehlukaniso bezilokhu ziqhubeka izinyanga ezimbalwa, kufanele uzigcine wazi futhi wazi ukuthi umyeni noma unkosikazi wakho uchitha kuphi, uhola ini nokuthi uyitshala kanjani imali.
Gwema isimo lapho ushiywe ungenalwazi ngokuphelele, noma oshade naye ekufihlele imali. Gcina isheke elisondele kumafa womlingani wakho lokwehlukanisa imali ngokwehlukana.
3. Yazi inqubomgomo yokugcinwa kwezingane
Uma kunengane ethintekayo ekwehlukaneni, lapho-ke kufanele uhlale phansi futhi yiba nengxoxo eningiliziwe ngekusasa lengane yakho nezinhlelo zayo.
Eminye imibuzo ebalulekile njengokuhlanganiswa kwamalungelo okuvakasha, ukuthi yimuphi umzali ingane okufanele ihlale naye, nokuthi kudingeka imali engakanani yesondlo sengane (kuye ngesimo sakho) okufanele iphendulwe futhi kubhekwane nayo ngokufanele.
Ngale ndlela, ungabhala phansi uhlelo lwezingane zakho futhi ubhekane nezidingo zazo ngokufanele ngesikhathi esinzima kangaka ngokomzwelo. Qiniseka ukuthi uhlelele umthwalo wemali wesondlo sezingane ngesikhathi sokuhlukana.
4. Vala wonke ama-akhawunti ahlangene
Lesi yisinyathelo esibaluleke kunazo zonke futhi kufanele sinakekelwe lapho ucabanga ukuthi ungaziphatha kanjani izimali ngesikhathi sokuhlukana. Uma oshade naye enezikweletu, uzobekwa icala ngazo kuze kube futhi ngaphandle kwalapho kukhona isivumelwano somthetho esisho ngokuhlukile.
Udinga ukunakekela lo mthwalo wezezimali ngesikhathi sokuhlukana ukuze ungabi ngumthwalo waphakade.
Lokhu kunqanyulwa kwama-akhawunti ahlangene nesibopho sezezimali ngesikhathi sokuhlukana kusiza ukukuvikela ezikweletini zezimali zangemva kwesahlukaniso futhi kuyisinyathelo esibalulekile.
Kufanele futhi ushintshe amaphasiwedi aku-inthanethi ama-akhawunti wezokuxhumana, ama-imeyili, ne-Apple yakho, ama-ID e-Android, njll. Ungakhohlwa ukulandela umkhondo wokuthi imali yakho ikuphi nokuthi imali kabani ikuma-akhawunti ahlangene.
Thola amakhadi esikweletu egameni lakho ngokushesha ngangokunokwenzeka ukuze ukwazi ukuzimela oqinile ngokwakho.
5. Sungula isabelomali esisha
Ukusungula isabelomali esisha semibhangqwana engenazo izingane kungaba lula kwabanye. Nobabili kufanele nibe nesibopho sokwehlukanisa izikweletu nokunakekela izidingo zenu zokudla nezingubo.
Inkinga ivela lapho kunezingane noma uma oshade naye engaholi. Ezimweni ezinjengalezi, kufanele uqonde ukuthi wena nezingane zakho aninakuyithokozela indlela yenu yokuphila njengaphambilini, futhi nizokuthola kunzima ukugcina isimo simi njengamanje.
Ngakho-ke, hlela isabelomali lapho ubonisana ngokuthi uziphatha kanjani ezezimali ngesikhathi sokuhlukana.
6. Ungasebenzisi ngokweqile
Ngabe usaqhubeka nokukhononda ngokuthi ungaziphatha kanjani izimali ngesikhathi sokuhlukana?
Lesi kungaba ngesinye sezinqumo ezinzima ongasenza ngoba uma uwedwa, ungahle ulingeke ukuhamba futhi uthengele izinto zikanokusho ezibizayo ukuze ususe ingqondo yakho ezintweni, kepha akufanele! Ungangezi umthwalo wemali owengeziwe ngesikhathi sokuhlala ngokwehlukana.
Lesi akusona isikhathi sokuchitha imali ngoba uma ukwehlukana kwakho kuholela esahlukanisweni, khona-ke kungenzeka kube nenkinga; ezimweni ezinjalo, ungasolwa ngokuchitha impahla bese ungena enkingeni.
7. Khokha izikweletu ze-akhawunti ngokuhlanganyela
Noma sehlukene, khumbula ukuthi isikweletu sakho sisashadile. Kungcono ukukhokha isikweletu sakho nganoma yimaphi ama-akhawunti ohlanganyele ongahle ube nawo noshade naye ngokushesha okukhulu.
Susa izikweletu nezikweletu obuzikhokhela kanye nozakwenu.
Bheka imininingwane yakho yesikweletu kuma-akhawunti akho, uwaphathe kahle, bese uvala ama-akhawunti akho ngokuhlanganyela ngokushesha ngangokunokwenzeka. Lawula izimali zakho ezihlukene ngokomthetho emshadweni ngamasu ngaphambi kokuba oshade naye asizakalise ngesimo esinjalo.
8. Khomba usuku lokwehlukana
Wonke amazwe anencazelo ehlukile yosuku lokwehlukaniswa. Kwabanye, kungaba wusuku lapho omunye oshade naye azisa omunye ukuthi bagcwalisa isehlukaniso, noma kungaba usuku lapho umlingani wakho ephuma khona. Kodwa-ke, lolu suku lubalulekile ngoba lusiza ekuhlukaniseni izakhiwo nemali engenayo.
Noma yini ongahle ube nayo ngaphambi kosuku lokwehlukaniswa izohlukaniswa, kepha noma yini oyibuzayo ngemuva kwesikhathi sokwehlukana ngeke kwabelwane ngayo.
Mhlawumbe ungathanda ukubheka le vidiyo elandelayo lapho isikhulumi sabelana khona ngokuhlangenwe nakho kwaso kwesehlukaniso nokuthi sifunde ini ngokusingatha izimali.
IZwi Lokugcina
Ukucabanga ngendlela yokuphatha izimali ngesikhathi sokuhlukana kuyisinyathelo esibalulekile futhi akufanele sikhohlwe phakathi kweziyaluyalu nezimpikiswano. Kuyisinyathelo esibalulekile okufanele usithathe ukuze ube nesiqalo esihle empilweni ngemuva kokwehlukana.
Emibhangqwaneni engakwazi ukusingatha noma isiphi isinqumo ngaphandle kokumemeza, kuyalulekwa ukuthi kutholakale umlamuli wedivosi noma umlamuli ukuba abe nokukhokha kwemali okungahluphi kangako.