-Delile
- Ukujika okungalindelekile
- Izindlela eziyi-8 zokuvikela imali yakho esehlukanisweni
- 1. Yazi zonke izimali zakho nempahla yakho
- 2. Yiba ne-akhawunti yakho yasebhange ehlukile kunoma yimaphi ama-akhawunti ohlanganyelwe onawo
- 3. Cela usizo ngokushesha
- 4. Phrinta noma yimiphi imibhalo edingekayo
- 5. Vala wonke ama-akhawunti wakho wesikweletu ohlanganyelwe futhi uma usenayo isikweletu esisebenzayo
- 6. Qiniseka ukuthi uyawenza umsebenzi wakho wesikole
- 7. Usakhumbula ukuthi obani abazuzi bakho?
- 8. Thola iqembu elihamba phambili
- Imicabango yokugcina
Isehlukaniso nakanjani asisohlelweni lanoma ngubani ngemuva kokushada. Eqinisweni, lapho sibopha ifindo likasofasilahlane, sihlelela ikusasa lethu eliqhakazile elizayo. Sinezinhlelo zokutshala imali ezakhiweni, songe imali, sihambe, futhi sibe nezingane.
Kungokwethu ukujabula-njalo kodwa njengoba impilo yenzeka, izimo kwesinye isikhathi zingahambi ngendlela obekuhleliwe ngayo futhi zingajika umshado owabe ujabulile ube owesiphithiphithi.
Izinhlelo eninazo ndawonye manje zizophenduka izinhlelo zokuvikela ikusasa lomunye nomunye — ngokuhlukile.
Isehlukaniso manje sesivame kakhulu futhi akusona isibonakaliso esihle. Ngingayivikela kanjani imali yami ngesehlukaniso? Ngingaqala kanjani ukuthola imali yami? Lokhu kuzophendulwa njengoba sihamba ngamasu ayisishiyagalombili ongawasebenzisa ukuvikela utshalomali lwakho kwesehlukaniso.
Ukujika okungalindelekile
Isehlukaniso asimangazi.
Kunezimpawu ezikhombisa ukuthi ubheke ngale ndlela futhi uyazi ukuthi sekuyisikhathi sokuyeka. Uzoba nesikhathi esanele sokulungiselela lokhu. Manje, uma usola ukuthi umshado wakho uzophela maduzane sekuyisikhathi sokuthi ucabange kusengaphambili ikakhulukazi lapho unomuzwa wokuthi isehlukaniso sakho ngeke siphume ngokushelelayo.
Isehlukaniso uqobo siyizindaba ezibuhlungu kakhulu kepha kungaba nezizathu eziningi zokuthi kungani isehlukaniso singaba munyu futhi sibe nzima.
Kungaba nezizathu zokungathembeki, amacala obugebengu, ukuhlukunyezwa ngokomzimba, nezinye izizathu eziningi lapho zombili izinhlangothi zingase zingabi nezingxoxo zesehlukaniso ezinokuthula.
Kulezi zimo, lungela ukuthatha izinyathelo ezithile zokuziqinisekisa wena nezimali zakho ezenzweni ezingekho emthethweni. Funda amasu alandelayo ngaphambi kokuthi wenze inqubo yesehlukaniso. Lokhu kwenziwa kangcono ngaphambi kokuqala kwenqubo yesehlukaniso.
Khumbula, kubalulekile ukuzivikela wena nezingane zakho ekulimaleni ngokwezimali futhi wenze lokhu; kufanele uzethembe futhi ulungele.
Izindlela eziyi-8 zokuvikela imali yakho esehlukanisweni
Ngingayivikela kanjani imali yami esehlukanisweni? Kusengenzeka yini?
Impendulo ingu-yebo! Ukulungiselela isehlukaniso akulula futhi enye yezingxenye ezibaluleke kakhulu kuyo yonke le nqubo ukuvikela imali yakho ikakhulukazi lapho isehlukaniso singahambi kahle.
1. Yazi zonke izimali zakho nempahla yakho
Kulungile ukukhomba okungokwakho nokungekhona.
Ngaphambi kwanoma yini enye, beka lo msebenzi kuqala kuqala. Enye into okufanele uyiqaphele uhlu lwezimpahla ezisegameni lakho nalabo abangabalingani bakho.
Kunoma ikuphi lapho ukhathazekile ngokuthi uzakwenu acekele phansi, antshontshe noma alimaze impahla yakho uma kwenzeka okuthile kungahambi kahle - thatha isinyathelo. Yifihle noma uyiphathise umuntu omaziyo ukuthi uzoyifihla.
2. Yiba ne-akhawunti yakho yasebhange ehlukile kunoma yimaphi ama-akhawunti ohlanganyelwe onawo
Lokhu kuyakhohlisa, ufuna owakwakho ukuthi azi ngakho kepha awufuni ukuthi oshade naye abe yingxenye yakho.
Isizathu salokhu ukuthi uma sigcinwa sifihlekile kungasetshenziswa ngokumelene nawe - kungahle kubonakale njengesenzo sokungathembeki. Gcina imali ukuze ube nezimali lapho inqubo yesehlukaniso iqala. Yiba nemali eyanele yokubhekana nezimali ngisho nebhajethi yakho izinyanga ezintathu noma ngaphezulu.
3. Cela usizo ngokushesha
Kunoma ikuphi lapho oshade naye enenkinga yobuntu noma ebhekene nezinkinga eziningi zokuphatha intukuthelo ezingaholela ekuziphindiseleni noma kunoma yiluphi uhlelo lokusebenzisa yonke imali yakho oyigcinile, izimpahla kanye nokonga - ngakho-ke lesi yisimo sokucela usizo ngokushesha .
Ungaxhumana nommeli womndeni wakho ukuze ube nombono wokuthi yini ongayenza ukubamba ukuthengiselana okwenziwe kumlingani wakho ngokusebenzisa incwadi yokuvimbela.
4. Phrinta noma yimiphi imibhalo edingekayo
Iya esikoleni esidala bese uphrinta noma yimiphi imibhalo edingekayo oyodinga ezingxoxweni zakho zesehlukaniso. Futhi thola amakhophi aqinile awo wonke amarekhodi asebhange, izimpahla, ama-akhawunti ahlangene, namakhadi wesikweletu.
Yiba ne-PO Box yakho kunoma yisiphi isimo ofuna ukuthi ithunyelwe kuwe futhi awufuni ukuthi oshade naye ayithole ngaphambi kwakho.
Amakhophi athambile angahle asebenze kepha awufuni ukuthatha amashansi angithi?
5. Vala wonke ama-akhawunti wakho wesikweletu ohlanganyelwe futhi uma usenayo isikweletu esisebenzayo
Khokha bese uwavala. Ungakhetha futhi ukudlulisela ubunikazi obusemthethweni kumlingani wakho. Asifuni ukuba namakhredithi amaningi asalindile lapho uqala isehlukaniso. Kungenzeka ukuthi zonke izikweletu kuzodingeka zabelane nobabili futhi anikufuni lokho, akunjalo?
6. Qiniseka ukuthi uyawenza umsebenzi wakho wesikole
Jwayelana nemithetho yezwe lakho. Ubuwazi ukuthi imithetho yesehlukaniso yehluke kakhulu kuzo zonke izifunda? Ngakho-ke okwaziyo kungahle kungasebenzi nombuso lapho uhlala khona.
Jwayela futhi wazi amalungelo akho. Ngale ndlela, ngeke umangale kakhulu ukuthi inkantolo izonquma ini.
7. Usakhumbula ukuthi obani abazuzi bakho?
Ngesikhathi uqala ubudlelwane, ngabe wabiza oshade naye njengendlalifa yakho kuphela uma kwenzeka okuthile? Noma ingabe oshade naye unalo izwi kuzo zonke izimpahla zakho? Khumbula konke lokhu bese wenza izinguquko ezidingekayo ngaphambi kokuba kuqale ukukhokhelwa kwesehlukaniso.
8. Thola iqembu elihamba phambili
Yazi ukuthi uzoqasha bani futhi uqiniseke ukuthi bayakwazi abakwenzayo.
Lokhu akukhona nje ukuwina izingxoxo esehlukanisweni sakho; kumayelana nokuvikela ikusasa lakho nayo yonke imali yakho oyisebenzele kanzima nempahla. Bavumele basize ngobuchwepheshe nokusebenza kokuthi ungayivikela kanjani imali yakho ngaphandle kokwenza kubonakale sengathi ukwenza lokhu ngasese. Uma unabantu abafanele nawe - ukuwina izingxoxo zakho zesehlukaniso kuzoba lula.
Imicabango yokugcina
Ngingayivikela kanjani imali yami esehlukanisweni?
Ngingaqala kanjani ukulungiselela isehlukaniso sami ngenkathi ngithola engikutholile? Kungazwakala kuyinkimbinkimbi kepha awudingi ukwenza wonke amasu ayi-8. Yenza okudingekayo kuphela futhi ulalele iqembu lakho.
Amanye ala macebo azosiza kanti amanye kungenzeka angasebenzi esimeni sakho. Noma ngabe yikuphi, inqobo nje uma unecebo, khona-ke konke kuzokusebenzela okuhle kakhulu.