-Delile
- 1. Qasha uchwepheshe
- 2. Umshuwalense Wocwaningo
- 3. Phatha izikweletu zakho
- 4. Nakekela kahle indlu yakho
- 5. Lwela okukufanele
- 6. Bhala kabusha amafa wakho wefa
- 7. Dlulisa izimali ngokushesha ngangokunokwenzeka
- 8. Qala ukonga
- 9. Bekela imali yakho eceleni intela
Kubantu abaningi, isehlukaniso asiyona inqubo elula yezomthetho enamaphepha anamasiginesha amabili kuwo.Isehlukaniso kungaba isikhathi esinzima kakhulu, futhi lolu shintsho lungathinta cishe yonke imikhakha yempilo yakho; ngokomzimba, ngokomzwelo, ngokwengqondo, kwasekhaya, kwezezimali, ezempilo, ezenhlalo nokuningi.
Noma ngabe ikuphi ukukhetha okwenzayo ekuqaleni kwesehlukaniso kungashiya umthelela ongahlala isikhathi eside kakhulu, noma ngabe isehlukaniso sesiphothuliwe. Ngalesi sikhathi, kubalulekile ukuthi uhlale phansi uhlele kahle futhi ulungiselele lesi sinqumo nenqubo yaso.
Ukuthatha izinyathelo ezihlakaniphile, ukusebenza ngamasu kuzokusiza ube nekusasa elijabulisayo nempumelelo ongakhululeka ngayo.
Ukwenza amaphutha abalulekile kusenesikhathi kule nqubo ngeke kugcine ngokuxaka izinto kodwa futhi kuzokwenza konke kube nzima kuwe; uzokuthola kunzima ukuzivumelanisa nempilo yakho emva kwesehlukaniso uwedwa. Yingakho kubalulekile ukuthi uhambe ngonyawo lwangakwesokudla nalezi zeluleko zokuthi ungahlelela kanjani isehlukaniso.
Uhlela kanjani isehlukaniso; amathiphu
1. Qasha uchwepheshe
Esikhundleni sokuzama ukuxazulula yonke into ngokwakho kungcono ukuthi ushiye izimpahla zakho ezandleni zommeli oqeqeshiwe okwaziyo abakwenzayo.
Ummeli uzoqinisekisa ukuthi noma yisiphi isivumelwano enivumelana ngaso siqukethe intshisekelo yabo bobabili ngokusemthethweni nangokwezimali.
Ngokufanayo, kubalulekile ukuthi uqashe umelaphi onguchwepheshe ozokusiza ukwazi ukulawula imizwa yakho. Akuyona imfihlo ukuthi isehlukaniso singabiza ngokweqile kepha ukuqinisekisa ukuthi unenjabulo nokuvikelwa kwesikhathi eside kufanele usebenzise imali yakho ukuqasha uchwepheshe.
2. Umshuwalense Wocwaningo
Kungenzeka ukuthi ubunohlobo oluthile lomshuwalense wokuphila ngaphambi kwesehlukaniso.
Noma kunjalo, lokhu kuzofanele kuguquke. Lolu shintsho lubalulekile ngoba manje ozomzuza ngeke abe ngumlingani wakho kepha esikhundleni salokho kuzoba izingane zakho. Kufanele futhi ucabange ukuthi ungazinakekela kanjani izingane zakho kanye nawe uqobo uma kwenzeka owakwakho obeshade naye edlula emhlabeni, futhi ungenayo imali eyanele yokukhokha nokuxhasa izindleko zakho.
3. Phatha izikweletu zakho
Uma unesitatimende sezezimali sekhadi lesikweletu esihlangene, ama-akhawunti asebhange noma imali ebolekwe ngokuhlanganyela, qiniseka ukuthi uyawaqamba kabusha noma uyawakhansela lawo ma-akhawunti ngokuphelele.
Lokhu kucaciswa kubalulekile njengoba kungumlingani ophendulayo kuphela obhekele ukukhokha nemali ebolekiswayo.
4. Nakekela kahle indlu yakho
Ngaphambi kokuphothulwa kwesahlukaniso sebenzisa imali okufanele uyikhokhele ukulungiswa nokulungiswa emakhaya.
Uma uthatha isinqumo sokuthengisa indlu yakho, kubalulekile ukuthi ukwenze ngaphambi kokuba kuphothulwe isehlukaniso sakho ukuze izindleko zokuthengisa zibe umthwalo ohlanganyelwe kunokuba umthwalo kumuntu oyedwa.
5. Lwela okukufanele
Akunandaba noma ngabe ucabanga ukuthi isehlukaniso singaba nenkinga enjani, ungabuyeli emuva kuze kube yilapho uthola lokho okukweletayo.
Isibonelo, eCalifornia, uvunyelwe kuma-50% wefa. Kungaba okuhehayo ngempela ukuthi unikezele futhi uhlehle phansi ukuze ukwazi ukuqeda ngesahlukaniso kepha kuyelulekwa ukuthi uvikele ikusasa lakho lezezimali.
Buka futhi: Izizathu Eziningi Ezivamile Zesehlukaniso
6. Bhala kabusha amafa wakho wefa
Ngaphambi kokuguqula amafa akho noma ama-trust qiniseka ukuthi uhlala phansi ukhulume nommeli wakho. Futhi, sebenzisa lesi sikhathi nalesi sikhala ukuhlela izintela zakho ukuze zehle ngekusasa lakho.
7. Dlulisa izimali ngokushesha ngangokunokwenzeka
Uma wena nomlingani wakho seninqume inani lemali, nizothola ekuthatheni umhlalaphansi koshade naye.
Qiniseka ukuthi uthola amaphepha akho awenza khona kanye nokudluliswa kwakho.
Uma kwenzeka owakwakho edlula emhlabeni ngaphambi kokuba kuphothulwe amaphepha uzolahlekelwa yimali.
8. Qala ukonga
Uma usudivosile umhlalaphansi wakho uzonqanyulwa ngesigamu, ngakho-ke kubalulekile ukuthi uqale ukonga imali yakho inyanga nenyanga ukuvala imali olahlekelwa yiyo.
9. Bekela imali yakho eceleni intela
Isondlo sakho sizokhokhiswa intela ngakho-ke qiniseka ukuthi ubeka imali yakho eceleni bese ukhokha intela yakho njalo ngenyanga.
Ungacela futhi umqashi wakho ukuthi ayigodlele imali isheke lakho lenyanga ukuze ungabe usakhokha ngekota. Futhi, khumbula ukuthi uma wenza izinkokhelo zesondlo ongacela ukukhululwa kuyo yonke i- $ 2,500.
Isehlukaniso yisikhathi esinzima kakhulu semibhangqwana futhi njengoba behlukana kufanele bagxile ekusaseni labo nasenhlalakahleni yabo. Ngala maphuzu angenhla, uzokwazi ukuhlela isehlukaniso esifanele futhi unakekele izingane zakho kanye nawe uqobo. Esikhundleni sokuvumela imizwa ithathe umthwalo wayo wokuzama ukuhlela amasu nokwenza izinqumo ngobuhlakani.