-Delile
- 1. Donsela emuva uthathe isithombe sakho sonke isithombe sakho sezezimali
- 2. Yenza uhlu lwezindleko zakho zamanje zokuphila
- 3. Qaphela lezi zinto njengoba ukhuluma
- 4. Yenza imihlangano yemali noma izinsuku zezimali kube umcimbi wanyanga zonke
Uma wena nomlingani wakho nilwa ngezimali, awuwedwa. Izithandani ezilwela imali zivamile njengoba kutholakala. Izinkinga zezezimali emshadweni ziholela ekuxabaneni okukhulu emshadweni.
Ngokwesilinganiso, imibhangqwana ilwa ngemali kahlanu ngonyaka.
Imali — ukuthi uyithola kanjani, uyonga kanjani futhi uyisebenzisa kanjani — iyisihloko esishisayo futhi ingaba umthombo obalulekile wengxabano kubantu abaningi.
Kodwa imali iyinto ebucayi empilweni yobudlelwano bakho, ngakho-ke nobabili kufanele nibe sobala ngalokho okushiwo yimali kini.
Ukwabelana ngemibono yakho ngemali kungenye yalezo zingxoxo okufanele ube nazo ngaphambi kokuhlala ndawonye noma ukushada.
Ukukhuluma ngezezimali kuvame ukwenza abashadikazi bangakhululeki, okubenza bagweme ingxoxo noma bayicindezele kwesinye isikhathi.
Kepha imibhangqwana idinga ukwenza isikhathi sokuhlala phansi ngokuthula futhi ikhulume ukuthi ibona kanjani imali nendima yayo ezimpilweni zabo ezabiwe. Izingxoxo ezinjalo zihlose ukuqonda ukuthi kungani imali iba yinkinga emshadweni.
Khulumani ngemali ngaphambi kokuthi nihlale ndawonye
Ngabe imali iba yinkinga emshadweni? Izinkinga zemali ebudlelwaneni zidalwa ukungavumelani kwezezimali phakathi kwezithandani.
Ukuhlakulela umshado oqinile onganqoba ukucindezelwa ngokwezimali emshadweni futhi ulinganise izimali zomshado, kubalulekile ukubheka izinkinga zemali nezomshado.
Nayi eminye imibuzo ebalulekile emayelana nezindaba zemali kubudlelwano ozoyibuza uma ufuna ukuthola umqondo wesithombe sezezimali salowo ocabanga ukuzibophezela kuye.
Le mibuzo izosikhanyisela ngezinkinga zomshado nezemali ezingaba khona futhi ikunikeze nombono wokuthi ungabhekana kanjani nezinkinga zemali ebudlelwaneni.
- Yiliphi inani lemali ngamunye adinga ukuzizwa ekhululekile ngalo?
- Ngabe ucabanga ukuthi kubalulekile ukuhlanganisa izimali zakho ndawonye? Ingabe kufanele ube ne-akhawunti eyodwa yokuhlola ngokuhlanganyela noma ama-akhawunti amabili azimele? Uma kungukugcina, ngubani ozoba nesibopho sezindleko?
- Usihlukanisa kanjani isabelomali uma umholo wakho wehluke kakhulu?
- Ngubani ozophatha isabelomali sasekhaya?
- Ungazithatha kanjani izinqumo ngokuthenga okukhulu, njengemoto entsha, amaholide, i-electronics kanokusho?
- Kufanele ubeke malini okongeni inyanga nenyanga?
- Ngabe ucabanga ukuthi kubalulekile ukufaka isandla esontweni noma ezinhlanganweni zosizo?
- Kuthiwani uma ungazange ube nale ngxoxo ngaphambi kokuzibophezela komunye nomunye, futhi manje uthola ukuthi isimo sengqondo somlingani wakho ngemali sihluke kakhulu kwesakho?
- Ingabe ikhona indlela yokusula umoya ngezimali ngaphandle kokuthi le ngxoxo iphenduke ingxabano?
Ukuvula ngezimali ngaphandle kokuthukuthela
Usufike ephuzwini ebudlelwaneni bakho lapho kubalulekile khona ukuba nengxoxo epholile, yabantu abadala mayelana nezibopho zakho zezimali.
Imali ebudlelwaneni yisihloko esibucayi ukuxoxa ngaso, futhi udinga ukunyathela ngokuqapha ngenkathi ugcina ubala odabeni lwezezimali zomshado.
Imali iba yinkinga emshadweni lapho izithandani zingazimisele ukubhekana nendlovu eyisaga ekamelweni.
Lokhu kungadinga ukwenziwa kukhona umuntu wesithathu ongathathi hlangothi, njengomhleli wezezimali, ongakusiza ekuqondiseni engxoxweni engaba nzima.
Ukungenelela okusemthethweni nakho kungakusiza ekuboneni ukuthi kungani imali iba yinkinga emshadweni.
Akudingekile njalo ukuletha uchwepheshe, noma kunjalo, ikakhulukazi uma izindleko zokuqasha umhleli wezezimali zizokwengeza uphethiloli emlilweni wezezimali. 
Ningaqhamuka nezindaba zemali ngokwenu ngendlela evumela ukuthi nobabili nizwe ukuthi niyalalelwa.
Hlela isikhashana nomlingani wakho ukuthi nihlale phansi nikhulume ngemali nangemishado.
Nika isikhathi esanele sokushintshana, futhi wenze indawo lapho ingxoxo izobanjelwa khona ibe mnandi futhi ihleleke.
Mhlawumbe ube namakhompyutha akho ukuze ufinyelele kuma-akhawunti aku-inthanethi kanye nesoftware yebhajethi yasendlini.
Inhloso ukusebenza ngezezimali ngendlela ehlelekile, ngakho-ke nobabili niyabona ukuthi yimali enjani nokuthi nidinga ukuyaba kanjani ukuze izimpilo zenu (nobudlelwano) zihlale zisendleleni.
Lokhu kuzokusiza ekuphambukeni ezinhlosweni zakho zezezimali, ekulweni nemali, futhi ekugcineni uzibuze ukuthi kungani imali iba yinkinga emshadweni.
Ngabe ufuna izeluleko ngokuphathwa kwezimali emshadweni? Nakhu ukuthi ungaqala kanjani ukubhekana nezinkinga zemali emshadweni.
1. Donsela emuva uthathe isithombe sakho sonke isithombe sakho sezezimali
Bhala phansi lokho ngamunye wenu akulethayo maqondana nomholo noma umholo ozimele.
- Ingabe kwanele?
- Ngabe kukhona ukukhushulwa nokukhuphuka okuzokuvumela ukuthi uguquke ngokwezezimali?
- Ngabe omunye wenu ufuna noma udinga ukuthola imali ethe xaxa? Khuluma nganoma yiziphi izinhlelo zokushintsha komsebenzi.
Bhala phansi isikweletu sakho samanje (izimalimboleko zabafundi, izimoto, izinkokhelo zendlu, amakhadi wesikweletu, njll.). Ngabe umthwalo wakho wesikweletu uyinto onethezekile ngayo?
Ngabe nobabili nikugcina lokhu ezingeni elilinganayo, noma ngabe kubonakala sengathi isikweletu senu siyanda? Uma kunjalo, kungani?
Ukuphendula le mibuzo efanele kuzokuvimbela ukuthi ungakhali ngokuthi kungani imali iba yinkinga emshadweni.
2. Yenza uhlu lwezindleko zakho zamanje zokuphila
Buzana ukuthi ngabe lokhu kubonakala kunengqondo yini. Uma uthatha isinqumo sokuthi ufuna ukufaka imali ethe xaxa ekongeni, ingabe zikhona izindleko zansuku zonke onganciphisa ukwenza lokho kwenzeke?
Ungakwazi ukusika i-Starbucks yakho yansuku zonke?
Shintshela ejimini eshibhile, noma usebenzise ukusebenzisa i-YouTube ukuze uhlale usesimweni esifanele?
Khumbula, zonke izinqumo zokunciphisa izindleko zidinga ukwenziwa ngomoya wobunye, hhayi umuntu oyedwa ophoqa omunye.
Ukugwema izinkinga zemali emshadweni, kungcono ukuthi nifinyelele esivumelwaneni eninenelisa nobabili maqondana nokuthi nifuna ukufaka imali engakanani, futhi ngayiphi injongo.
Uzofuna ukuhlala ulalele ngokuqinile kokufakwa nguzakwethu ukuze le ngxoxo iqhubeke ngokushelelayo nangokunethezeka. Ngaphandle kwalokhu, uzokwazi ukuvimbela izimo lapho imali iba yinkinga emshadweni.
“Kuzwakala sengathi ukukhokhela izingane izikole ezizimele kubalulekile kuwe,” kungesinye isibonelo sokulalelisisa.
“Ake sibone ukuthi sinazo yini izinsizakusebenza zokwenza lokho kube ngokoqobo” kuyindlela engeyona esongelayo yokwenza umlingani wakho ahlole ngokucophelela umgomo ngamunye wezezimali.
3. Qaphela lezi zinto njengoba ukhuluma
Uma uzwa ithoni yengxoxo ikhuphukela ezingxabanweni, uzofuna ukukhumbuza umlingani wakho ukuthi inhloso yokuhlala phansi ndawonye ukukhombisa ukuthi nobabili nifuna kanjani ukuqinisekisa uzinzo lwezezimali ekhaya lakho.
Bakhumbuze ukuthi uyabathanda nokuthi lezi zinqumo eziqondene nobabili zibalulekile ebudlelwaneni benu.
Thatha ikhefu elifushane ukubuyisa ileveli phansi uma udinga, kepha buyela etafuleni ukuze uqhubeke ukhulume ukuze ukwazi ukusuka kulokhu ngohlelo olusebenzayo enivumelene ngalo nobabili.
Khumbula, ukuphendula umbuzo othi, “kungani imali iba yinkinga emshadweni,” kuwusizo ekugcineni ukulondeka komshado.
4. Yenza imihlangano yemali noma izinsuku zezimali kube umcimbi wanyanga zonke
Manje usunombono ocacile wesimo sakho sezezimali nokuthi ufuna ukusuka kuphi lapha.
Uvumelane ngamaphuzu abalulekile futhi uzizwa ukhululekile nganoma yikuphi ukuncishiswa kwesabelomali noma ushintsho lomsebenzi.
Ukuzigcina uxhumene nalezi zinhloso, kungani ungenzi le mihlangano ibe umcimbi wanyanga zonke?
Ukuba nesikhathi esihleliwe sokuhlala phansi ubuyekeze ukuthi wenze kanjani ngokunamathela kulesi sabelomali esisha kuyisinyathelo esihle ekugcineni umfutho owudalile.
Nobabili niyoshiya le mihlangano nizizwa niphephe ngokwengeziwe ngokwezezimali nanjengabantu abathandanayo ngenkathi nithola izixazululo ezinkingeni zezimali emshadweni.
Ukukhipha ingcindezi emalini yakho bese uyifaka esikhundleni salomuzwa wokulondeka kuzothuthukisa injabulo yakho iyonke njengabashadile futhi kunivumele nikhule futhi niphumelele ndawonye.
Umbuzo, kungani imali iba yinkinga emshadweni uzoba yinto engabanjwanga ebudlelwaneni bakho bomshado.