-Delile
- 1. Qala njengoba ufuna ukuqhubeka
- 2. Ukudalulwa okugcwele
- 3. Qondanisa okulindele enhlosweni efanayo
- 4. Hlela izabelomali zakho
Kwesinye isikhathi, lapho ubambeke esivunguvungwini sezinhlelo zomshado, i-honeymoon kanye nenjabulo enkulu yokuba yindoda noma inkosikazi, kungenzeka ukuthi ukunaka ikusasa lezezimali zakho futhi ikakhulukazi okulindelwe yimali yakho emshadweni kungenzeka kwehle kancane ( uma ngabe ikwenze kwaba phambili ezingxoxweni kwasekuqaleni).
Ukulindela imali emshadweni kaningi kunganakwa, kucatshangwe futhi kuthathwe kalula. Imibiko iphakamisa ukuthi izindaba zemali zibhekele ama-22% azo zonke izehlukaniso, okwenza kube yimbangela yesithathu ehamba phambili yesehlukaniso. Ukunganaki okulindelwe yimali yakho emshadweni kuyingozi enkulu nemiphumela ongeke uthande ukugembula kuyo.
Uma ushadile, ubambisene, usebenzela izinhloso ezabiwe empilweni. Ezinye zazo zizobandakanya imali. Ngakho-ke ngaphambi kokuba uzithole uphikisana noma uzizwa ukhungathekile ngesimo sengqondo somlingani wakho nokuziphatha kwakhe ngemali kunengqondo ukuhlola okulindelwe yimali yakho nowakwakho emshadweni.
Ukuzinika isikhathi sokuqonda okulindelwe yimali yakho emshadweni kuzonciphisa izinkinga ezingaba khona njengokuzizwa sengathi uyalawulwa, ukukhathazeka ngezikweletu zomlingani wakho noma isimilo sokuthenga, noma imizwa yecala uma usebenzisa imali. Kungakhuthaza futhi ukuxhumana okuthuthukile, izingxoxo nezingxoxo mayelana nezinhlelo zakho zempilo yangakusasa futhi uma uzokwenza umzamo, ukunisondeza ndawonye njengabashadikazi njengoba nifunda ukusebenzisana ukudala nokwenza izinhlelo zenu zekusasa.
Nazi izindawo ezimbalwa ongakwazi ukugxila kuzo ukuze ukwazi ukuqeda izingqinamba ezingaba khona ezenzeka kulindelwe imali emshadweni.
1. Qala njengoba ufuna ukuqhubeka
Elinye lamaphutha amakhulu elenziwa imibhangqwana eminingi ukuthi lisebenzisa imali eningi kakhulu ngosuku lwalo lomshado. Lokhu okulindelwe kwemali emshadweni ongasungula umbhangqwana ngezinselelo zezezimali zisuka nje.
Njengoba uqala, kunezindlela eziningi eziwusizo ongasebenzisa imali yakho ukuzakhela impilo engcono futhi uzinikeze isiqalo esihle kakhulu. Kunengqondo kakhulu ukugwema lo mgodi wemali bese usetha isabelomali sakho somshado siphansi kakhulu kunalokho ongakwazi ukukukhokhela, phela, usuku nje kuphela. Umshado wakho ungowokuphila konke!
Kungumqondo omubi nokwakha isikweletu sekhadi lesikweletu somshado ukuze usebenzise ukuqala kwempilo yakho yomshado uzama ukubuyisa isikweletu.
Kunezindlela eziningi zokujabulela usuku lomshado olunentengo ephansi olungaba luhle futhi lukhunjulwe njengalolo olukukhokhele inkululeko yakho yezezimali yeminyaka emihlanu!
2. Ukudalulwa okugcwele
Iningi lethu linamathambo ezimali ekhabethe lethu, futhi noma ukuxoxa ngezimo zethu zezimali nomlingani wethu akuyona into emnandi - kuyinto edingekayo. Uma okulindelwe ngemali yakho emshadweni kucabanga ukuthi ungazigcina kuwe izimfihlo zakho zezezimali ngemuva komshado, kungadingeka ukuthi uphinde ucabange ngoba uzobe ubeka izingozi ezinkulu emshadweni wakho.
Ukuzinika isikhathi sokuqonda nokwamukela isimo semali samanje nesimo sengqondo kusho ukuthi uzokwazi ukwazi ukuthi ukuqala kuphi ukudala uhlelo olucacile lokuthi uzofinyelela kanjani ezinhlosweni zakho empilweni yenu nonke.
Ngaphandle kokudalulwa okugcwele, uzongena ezinkingeni, noma okunye ozokuchazela ukukwenza esikhathini esizayo, okungangabazeki okuzoholela emazingeni okuthembana anciphile ebudlelwaneni bakho nemali.
Qiniseka ukuthi uthembekile ngezikweletu zakho, imikhuba yokusebenzisa imali, imikhuba emibi, okubangela ukukhathazeka nokulindela kwakho namaphethini azungeze imali ukuze wakhe isisekelo esiqinile sezimali zakho zesikhathi esizayo.
3. Qondanisa okulindele enhlosweni efanayo
Njengoba niphila impilo yenu ndawonye nizoba nezinhloso nokulindela ngokwezimali ofuna ukusebenzela kukho, mhlawumbe kuyindlu enkulu, iholide, ukulungiselela umndeni, ukusula isikweletu noma ukuhlela umhlalaphansi, noma ngabe kuyini, kuzoba nkulu umgomo. Kepha inkinga ukuthi bobabili abashadile bangahle babe nokulindela okuhluke ngokuphelele kokuthi yiziphi izinqumo ezinkulu zezezimali abafuna ukuzenza. Ngakho-ke kubalulekile ukuthi nixoxe ngezinhloso nezifiso zenu zezezimali bese nobabili nivumelane ngokuthi yimiphi imigomo yezezimali enifuna ukuyisebenzela. Ngale ndlela nobabili ningatshalwa imali ekudlaleni indima yenu ekusebenzeleni ukufeza inhloso yenu. Ukuvumelana emshadweni nasezimalini kanye nezinhloso zabo kuyadingeka ukuze kube nokuthula nenjabulo ebudlelwaneni.
Kepha ukusebenzela izinhloso zakho kuyisinyathelo sokuqala nje, ngokulandelayo uzodinga ukwenza amalungiselelo wokuqhubeka uhlole komunye nomunye ukuhlola ukuthi ngabe niyayifuna yini le njongo, ukuthi uthuthuke kangakanani ekufinyeleleni ezinhlosweni zakho, nokuthi yiziphi izinguquko ongazenza uthanda ukwenza. Ngaphandle kokungena, okungenani kanye ngonyaka, uzokhohlwa maduzane ngakho futhi ungahle ushiye imigomo yakho ebalulekile yezezimali.
4. Hlela izabelomali zakho
Kubalulekile ukusetha amabhajethi omndeni nawakho uqobo ukuze ukwazi ukufeza izinhloso zakho zezezimali, futhi bobabili bazizwe sengathi unikela ekufinyeleleni kuleyo njongo (noma ngabe munye kuphela umuntu owenza imali). Ngale ndlela, isikweletu sakho segrosa ngeke siqale ukukhuphuka ukuze kube lula, uzocisha amalambu, noma uhlanganise ukuthunyelwa ohambweni olulodwa lokonga uphethiloli, konke okuzosiza ekugcineni isabelomali sakho.
Ukuba nesabelomali somuntu siqu okuvunyelwene ngakho futhi kuzosiza hhayi ekuphatheni izimali zakho kuphela kepha futhi kuzovimbela noma yimuphi umlingani ekuzizweleni enecala ngokusebenzisa imali, noma ukuvinjelwa ekuthengeni okuthile abakufunayo noma abakudingayo kuzosusa nezinkinga noma izingxabano.
Landela lezi zeluleko zokuphathwa kwemali zomshado ophumelelayo. Imali akusiyona yodwa into egcina abashadikazi bejabule, kepha ukuphathwa kabi kwemali kungaholela ezingxabanweni nasekuchithekeni kokuxhumana emshadweni. Umshado nezezimali kuyahambisana futhi kubalulekile ukuphatha nokuvumelanisa okulindelwe kwemali emshadweni.