-Delile
- 1. Sungula imigomo yezezimali
- 2. Dala uhlelo lokusetshenziswa kwemali njalo ngenyanga
- 3. Sungula ama-akhawunti asebhange ngokuhlanganyela
- 4. Hlanganisa izinqubomgomo zomshuwalense
- 5. Yakha isikhwama esiphuthumayo
- 6. Sebenzisa isikweletu ngokuhlakanipha
Isikhathi sangemva komshado sesonto lonke sesiphelile. Impela, uqhume. Usazizwa ukuthintwa kwesihlabathi ezinyaweni zakho futhi uzwe amagagasi othando olwandle. Ngemuva kwenqubo ende futhi ekhathazayo yamalungiselelo omshado nakho konke, ekugcineni uthola ukuchitha impilo yonke ngaphansi kophahla olulodwa - ukujabulela ngenjabulo konke ndawonye ngenkathi uzakhela owakho umndeni.
Kepha ngaphambi kokuthi niphinde niziphuphe ngezinjabulo eziningi zempilo yomshado, kunento eyodwa futhi okudingeka niyixazulule njengabantu abashadile - ukuthi nizoyiphatha kanjani impilo yenu yezezimali ndawonye.
Izinkinga zemali zivamile kubantu abaningi abashadile, ikakhulukazi abasanda kushada. Izindaba ezinhle, ungakugwema ukungaqondani okukhulu kanye nokushiyeka kwezezimali ngokuhlela kusengaphambili. Cabanga ngala macebiso ukuze uqale:
1. Sungula imigomo yezezimali
Njengoba nje nizibekela imigomo yomuntu siqu ndawonye, nani nifuna ukusungula imigomo yenu yezezimali njengombhangqwana. Ngabe ufisa ukuhola malini ndawonye ukuxhasa impilo nezidingo zomndeni wakho? Ingabe nobabili nithatha imisebenzi? Ngabe uhlela ukwethula ibhizinisi ngokuzayo? Malini ukonga kwakho okulindelwe nyangazonke? Yiziphi izinto ongathanda ukwabela imali kuzo? Le yimibuzo embalwa nje okumele uyiphendule ukuze ukwazi ukusungula izinhloso ezithile empilweni yakho entsha yezezimali.
2. Dala uhlelo lokusetshenziswa kwemali njalo ngenyanga
Ukwenza isabelomali sanyanga zonke kubalulekile ekuphatheni kahle izimali zakho. Phuza inkomishi yekhofi noma i-pizza, hlala phansi udale uhlelo lokusebenzisa imali nyangazonke. Ngale ndlela, nizoba nesithombe esicacile sokuthi nidinga imali nobabili kanjani ukuqinisekisa ukuthi izidingo zomndeni wakho ziyafezwa, futhi nisenemali eyanele yokonga. Nquma izindleko ezingaguquki, njengezinkokhelo zempahla ebolekiswayo kanye / noma yemalimboleko yomuntu siqu, ugesi nezinye izikweletu zosizo, izibonelelo zokuhamba, ukudla, njll. Yenza indawo yokulungiswa, njengezimo eziphuthumayo nezindleko ezingalindelekile.
3. Sungula ama-akhawunti asebhange ngokuhlanganyela
Kwemibhangqwana eminingi, ukuvula i-akhawunti ngokuhlanganyela kuwuphawu lwenyunyana yabo yezezimali empilweni yabo entsha yezezimali. Kepha ngaphezu kwesiko, ukusungula ama-akhawunti asebhange ngokuhlanganyela kunezinzuzo eziningi. Isibonelo, i-akhawunti ehlangene ivumela ngamunye wenu ukuthi athole ikhadi lasebhange, isheke, kanye nokukwazi ukufaka noma ukukhipha imali. Ukuba nama-akhawunti ahlangene kunciphisa ithuba lokuhlangabezana “nezimanga” zezezimali njengoba ngamunye wenu azi ukuthi kungena kangakanani futhi kuphuma ku-akhawunti yakho yasebhange.
4. Hlanganisa izinqubomgomo zomshuwalense
Ezinye izinzuzo zokuhlanganisa izinqubomgomo zomshwalense ngesikhathi sokuhlelwa kwezezimali zifaka phakathi ukuthola izaphulelo kuma-premium akhokhwa nyangazonke. Cabanga ukuhlanganisa uhlelo lwakho lomshuwalense wemoto, impilo kanye nempilo yakho. Lokhu akusizi kuphela ukonga imali, futhi kulula ukuphatha. Ngokuya ngezidingo zakho, cabanga ngezinye izinhlobo zomshuwalense, njenge-Insurance yasekhaya.
5. Yakha isikhwama esiphuthumayo
Ukuba nesikhwama esiphuthumayo kubalulekile kuwo wonke amakhaya, noma ngabe unezingane noma cha. Ngeke wazi ukuthi yini engenzeka ngokuzayo. Kungaba nenhlekelele enkulu, ukugula emndenini, noma ukudilizwa emsebenzini kungazelelwe. Kuhlale kubalulekile ukuthi uzilungiselele. Ukuhlelwa kwezezimali kubalulekile.
6. Sebenzisa isikweletu ngokuhlakanipha
Okokugcina, sebenzisa ikhadi lakho lesikweletu ngokuhlakanipha. Kulula ukusebenzisa ngokweqile uma ungagcini ithrekhi yemali oyisebenzisayo. Uma wenza isabelomali sanyanga zonke futhi unamathela kuso, ungavimbela ukusetshenziswa kwemali okungenasidingo. Khumbula ukuboleka kuphela lokho ongakwazi ukukukhokhela bese ukhokha izikweletu zakho ngesikhathi. Lokhu kukhombisa ababolekisi ukuthi nobabili ninomthwalo wokusingatha izimali zenu, futhi nifanelwe umkhawulo ophakeme wesikweletu nezinye izinzuzo zezezimali. Futhi, kwenze umkhuba ukuhlola umbiko wakho wesikweletu okungenani kanye ngonyaka. Lokhu kukuvumela ukuthi ufunde umlando wakho wesikweletu bese ubona ukuthi kukhona yini amaphutha, njengama-akhawunti ongawazi, izimalimboleko ebezivele zikhokhiwe kepha zisakhombisa, nolunye ulwazi lomuntu siqu olungalungile.
Ukwabelana ngokuphila ndawonye njengomuntu osanda kushada kudinga okungaphezu kothando nje. Kudingeka futhi nobabili nibe nesibopho sendlela enizisebenzisa ngayo izimali zenu. Kufanele wenze ukuhlelwa kwezezimali kube yinto eza kuqala futhi uqale ukusebenzela kuyo ngokushesha okukhulu.