-Delile
- 1. Yakha isabelomali
- 2. Xoxani ngesikweletu
- 3. Xoxa ngezindlela zokusebenzisa
- 4. Ukwethembeka kwezezimali
- 5. Khuthaza izingxoxo eziqhutshwa njalo
- 6. Phila ngokwamandla akho
- 7. Njalo xoxani ngaphambi kokuthenga noma yini enkulu
- 8. Qhubeka uhlaziya ibhajethi yakho
- Ukugoqa
Inkinga yezezimali ingalimaza ngisho nobudlelwano obuqine kakhulu. Kuyaziwa ukuthi imali ibamba iqhaza elibalulekile ekunikezeni ukwaneliseka ebudlelwaneni. Abesilisa bavame ukuzizwa benomuzwa omuhle wokubaluleka oza nemali ngenkathi abesifazane bevame ukubona imali njengomthombo wokuvikeleka kwezezimali nokuzinza. Izinkinga zemali emshadweni zingenye zezizathu ezivame kakhulu zokucekela phansi ubudlelwano futhi zandisa amathuba edivosi.
Ngokusebenzisa lezi zindlela ezilandelayo, ungavikela umshado wakho futhi uvikele nezinkinga zemali emshadweni
1. Yakha isabelomali
Ungakha uhlelo lwezezimali olufana nesabelomali nomlingani wakho ukuze ukwazi ukuphatha izindleko zenyanga nenyanga futhi uvikele izinkinga zemali ngokuzayo. Nquma umholo wakho, bese unquma ukuthi uzofuna ukwaba imali engakanani ngezinhloso ezahlukahlukene. Ungahle ufune imali yezidingo eziyisisekelo ezifana nekhaya nezinsiza, umshwalense, okuthengwayo, izikweletu zezokwelapha, ezokuzijabulisa, ezokuhamba nezinye izindleko.
Ubuye uxoxe futhi uthathe isinqumo sokuthi kufanele uyitshale kuphi imali yakho futhi uqiniseke ukuthi une-akhawunti yokulondoloza ngokuhlanganyela ezosetshenziswa ezimweni eziphuthumayo. Nobabili kufanele nihlale niqaphela ukuthi nihola malini nokuthi iyiphi ingxenye yayo esetshenziswayo futhi egciniwe.
2. Xoxani ngesikweletu
Nobabili nindawonye noma omunye wenu kungenzeka nibe nesikweletu lapho nishada. Akunandaba ukuthi ubani otholwe yimalini nokuthi yimali engakanani, kufanele niqiniseke ukuthi nobabili seninqume ukuthi nobabili nizobhekana kanjani nayo ngokubambisana. Umuntu oyedwa noma bobabili bangangena emshadweni benesikweletu noma benze isikweletu uma sebeshadile. Kubaluleke kakhulu ukuthi nobabili nikhokhe isikweletu masishane futhi niqiniseke ukuthi niyalinganisana ekuthatheni enye imali futhi uma nisathola isidingo xoxani ngaso sonke isikhathi nomlingani wakho.
3. Xoxa ngezindlela zokusebenzisa
Nobabili nizojwayela ukuba nezindlela ezahlukahlukene zokusebenzisa imali, futhi kuyadingeka ukuthi nibeke imingcele yokusebenzisa ngaphambili ukuze nigweme izingqinamba ezihlobene nemali ngokuzayo.
4. Ukwethembeka kwezezimali
Ukwethenjwa kuyinto ebaluleke kakhulu emshadweni futhi ukwephuka kwayo kungaholela emiphumeleni emibi. Lokhu kwethemba kuyadingeka futhi uma kukhulunywa ngezimali. Gwema ukungathembeki kwezezimali ngazo zonke izindlela. Uma izingqinamba zakho zezezimali zingalungiswa ngokushesha, kungaphazamisa nomshado wakho.
5. Khuthaza izingxoxo eziqhutshwa njalo
Nobabili kufanele nibhekane nesabelomali masonto onke ukuze nazi ukuthi isetshenziswa kanjani imali yenu nokuthi uma nifuna ukwenza ushintsho kuyo. Kulokhu, nobabili niyokwazi ngesimo senu sezezimali futhi nizokwenza izinqumo nigcina lokho engqondweni nikulethelene ekhasini elilodwa nokugwema izindaba zemali emshadweni.
6. Phila ngokwamandla akho
Wonke umuntu uthanda ubukhazikhazi, kepha akekho umuntu othanda ukwephulwa. Ukwephuka kungabucindezela ubuhlobo bakho futhi ukuze ugweme lokho zama njalo ukuhlala ngaphakathi kwesabelomali. Futhi noma nini lapho wenza isabelomali qiniseka ukuthi ungakhokha zonke izikweletu zakho ngokuqinisekisa ukuthi wonga imali njalo ngenyanga.
7. Njalo xoxani ngaphambi kokuthenga noma yini enkulu
Akekho umlingani okufanele athenge kakhulu ngaphandle kokuletha ozakwethu ekuthembekeni. Ebudlelwaneni obunempilo, kuyadingeka kubo bobabili abalingani ukuthi bakhululeke ngokwanele ukuxoxa futhi babe negalelo elilinganayo esinqumweni sokuthenga ngaphambi kokwenza noma yikuphi ukuthenga okukhulu.
8. Qhubeka uhlaziya ibhajethi yakho
Kubaluleke kakhulu ukuthi uhlale uhlola izimali zakho ukuqinisekisa ukuthi imali ayizenzi izingqinamba ebudlelwaneni bakho. Qiniseka ukuthi uhlaziya kabusha isabelomali kanye ngezikhathi ezithile ukwenza ngcono lapho kudingeka khona. Ungenza izinqumo ezintsha ndawonye njengokunquma ukuba nezidlo zakusihlwa futhi kunalokho ukhetha ukupheka okuthile okuhle ndawonye. Ukwenza izinqumo ezinjengalezi ngeke nje kwehlise umthwalo wakho wezezimali kodwa futhi kuzokusondeza futhi kuqinise isibopho sakho.
Ukugoqa
Kuvamile ukubhekana nenkinga ethile yezezimali ngesikhathi esithile ezimpilweni zethu, kepha ukukwazi ukusebenza ngazo ngaphandle kokulahlekelwa yilokho okubalulekile. Hlala uthembekile futhi uvulele abalingani bakho ngazo zonke izinkinga obhekene nazo njengoba ukuzifihla kuzokwenza izinto zibe zimbi kakhulu. Qiniseka ukuthi uyabambisana futhi uyaqonda kumlingani wakho ukuqinisekisa ukugcina izindaba zemali emshadweni.