-Delile
- 1. Yenza isabelomali sezindleko zanyanga zonke
- 2. Yiba ne-akhawunti yokonga (okubili empeleni)
- 3. Khokha izikweletu zakho
- 4. Iya kalula kumakhadi esikweletu
- 5. Hlelani uhlelo lomhlalaphansi ndawonye
Akujabulisi yini ukuthi uma kuziwa ekuhleleni imishado yethu, siqikelela ngokwedlulele — kuze kufike kumbala wezimbali esizifunayo emkhosini nasezilungiselelweni zendawo endaweni yokwamukela izivakashi.
Futhi-ke, uma kukhulunywa ngemishado yethu, iningi lethu alichithi cishe isikhathi esiningi lihlelela ikusasa lethu, noma ngabe ngokomoya, ngokobudlelwano, noma nangezimali zomshado.
Mhlawumbe yingakho imibhangqwana eminingi izithola isendaweni enzima lapho ilawula izimali zayo ngemuva kokushada.
Akungoba uthando alukho; wukuthi njengoba kungekho luhlelo olubekiwe, izinto zigcina sezingalawuleki kangangoba kunzima ukuthola ukuthi ungakuthola kanjani ukulingana phakathi komshado nezimali.
Futhi lapho kungekho mqondo wokuzinza ebudlelwaneni, kunzima ukwazi ukuthi wenzeni. Lokhu kungaba yiqiniso ikakhulukazi uma kukhulunywa ngezimali emshadweni.
Uma wena nomlingani wakho nizithole nisebunzimeni izikhathi eziningi kunalokho eningathanda ukukubala, sifuna ukukunikeza izeluleko zokuhlela umshado ngendlela yohlu lokuhlola umshado wezezimali.
Lezi ngezinye nje zezinto ezimbalwa okufanele uzazi ngaphambi nangemva komshado, okufanele uzibhale phansi engqondweni yakho njalo ngenyanga. Ngaleyo ndlela, ungahlala phambili kwezimali zakho emshadweni ukuze zingagcini zikucindezela.
Ngakho-ke uma uzibuza ukuthi ungaziphatha kanjani ezezimali emshadweni? Noma ungazihlanganisa kanjani izimali ngemuva komshado? Nalu uhlu lokuhlola lwezezimali lomshado okufanele ulucabangele ukuphatha izinselelo zezezimali emshadweni.
1. Yenza isabelomali sezindleko zanyanga zonke
Yize bethi “ikhaya lilapho inhliziyo ikhona,” siqinisekile ukuthi uzovuma ukuthi ikhaya futhi kulapho indlu yakho ikhona.
Ngamanye amagama, ukuze uvikeleke ngokwezezimali, kubalulekile ukuqinisekisa ukuthi abo
konke okunye; unemali eyanele ebekelwe ukukhokhela izindleko zakho zasekhaya zanyanga zonke.
Lokhu kufaka imali yakho yokubambisa / yokuqasha, izinsiza, umshuwalense wendlu, nemali eyanele yokulungisa nezimo eziphuthumayo ezihlobene nasekhaya.
Uma usunombono omuhle wokuthi isabelomali sakho sonke siyini, zama futhi ulondoloze kabili lelo nani. Ngaleyo ndlela, uyohlala njalo uhamba igxathu elilodwa.
Ukwenza isabelomali sasekhaya sezinyanga zonke ngesinye sezeluleko ezinhle kakhulu zokuphatha izimali ngemuva komshado.
Ezinye izinzuzo ezivamile zesabelomali zifaka phakathi: ukuhlela okungcono ngekusasa, amandla amaningi ezimalini zakho nezinkinga zomshado, nokunciphisa isikweletu sakho noma ukuhlala ngaphandle kwezikweletu.
2. Yiba ne-akhawunti yokonga (okubili empeleni)
Yonke imibhangqwana kufanele ibe nama-akhawunti amabili okonga. Esinye yisikhwama esiphuthumayo esingaphansi kwama- $ 1,500. Lokhu kunganakekela izinto ezingalindelekile njengokuthi uma imoto yakho iphuka noma noma ulahlekelwa ngumsebenzi futhi udinga isiguqo esithile.
Enye i-akhawunti ezinikele emshadweni wakho kuphela. Imali ongayisebenzisela iholide elidingeka kakhulu noma uyisebenzise ngosuku lothando lwe-spa kini nobabili.
Ngaphandle kwenzuzo esobala yokuthola inzalo kulondolozo lwakho, i-akhawunti yokonga nayo izofakazela ukuthi iyinzuzo maqondana nokutholakala kalula kwemali, ubungozi obunqunyelwe noma obungenayo nhlobo, imali idonswa ngokuzenzekelayo kwi-akhawunti yakho, futhi ungahlala uyixhumanisa nokuhlola kwakho noma kunini lapho ufuna khona.
Ungazama futhi ukuhlanganisa izimali ngaphambi komshado kunokuhlanganisa izimali ngemuva komshado; ngale ndlela, ungaqhubeka nokuzivikela kunoma yimuphi umcimbi ongalindelekile ngokuzayo.
3. Khokha izikweletu zakho
Cishe wonke umuntu unohlobo oluthile lwesikweletu, futhi udinga ukubeka imali eceleni ukuze uzikhokhele. Noma ngabe kungama- $ 25 kuphela ngenyanga maqondana nesikweletu, ngokuthumela imali, ukhombisa obakweletayo ukuthi uthatha isinyathelo esithile.
Futhi, kungabagcina ekukubikeni kwi-credit bureau, ehlala izuzisa njalo. Kuzosiza ukuvimbela amaphuzu akho esikweletu ukuthi angathinteki manje nakamuva.
Kungaba ukuhlanganisa izimali ngemuva komshado noma ngisho nokushadela ukuphepha kwezezimali, uma usukwazi ukuphatha imali emshadweni ukukhokha isikweletu sakho kuzoba lula futhi kube lula.
4. Iya kalula kumakhadi esikweletu
Ingabe kukhona okungalungile ngokuba nekhadi lesikweletu? Cha. Inkinga ingena lapho uthembela kuphela kulabo okufanele ubakhokhele izinto.
Amakhadi esikweletu akuyona imali. Ziyizimalimboleko eziza ngendlela yamakhadi amancane epulasitiki. Lokhu kusho ukuthi banenzalo enamathiselwe.
Ngakho-ke, kufanele uwasebenzisele ukubhukha kuphela, uma kunesimo esiphuthumayo noma ukuthenga okukhulu impela. Ngaphandle kwalokho, imali ihlala ingcono kakhulu.
Leli thiphu elilodwa lilodwa lingakusindisa ezinkulungwaneni zamaRandi futhi likugcine ungaphandle kwesikweletu sezezimali esizayo.
Ukugwema ukusebenzisa imali ngokweqile ekhadini lakho lesikweletu, khumbula okulandelayo:
- Zikhumbuze ukuthi ekugcineni kuzofanele uyikhokhe.
- Gwema ukusebenzisa amakhadi wesikweletu amaningi.
- Chezukela ekuthengeni okungadingekile.
- Ungavumeli umkhawulo wesikweletu ukunqumele izindleko zakho.
- Ukuthenga ngosuku olunengcindezi - shiya ikhadi lakho lesikweletu ekhaya.
Bheka futhi: Ungasenyusa kanjani ngokuphawulekayo isikolo sakho sesikweletu (Isu lesikhathi esifushane)
5. Hlelani uhlelo lomhlalaphansi ndawonye
Kunemibiko eminingi eshicilelwe ekhombisa ukuthi abantu abaningi abalindeli ukuthatha umhlalaphansi. Hhayi ngoba bengafuni kodwa ngoba abakwazi ukukhokhela.
Uma uzizwa sengathi wena nengxenye yakho abanye nibabili balabo bantu, asikho isikhathi esinjengesamanje sokubeka uhlelo lomhlalaphansi ndawonye. Kukhona ingcebo yolwazi online engakuhambisa ngezinyathelo.
Akukho okufana nokuphila impilo yakho njengamanje, futhi kumangalisa ngokwengeziwe lapho uthola ukuhlanganyela okuhlangenwe nakho kwakho nalowo omthandayo.
Kepha okumangalisa kakhulu ukwazi ukuthi ngokulandela lolu hlu olulula lokuhlola ezezimali emshadweni, ungaqinisekisa ikusasa eliphephile ngokwezezimali futhi uqhubeke nokuphila ngokuthula.