-Delile
- 1. Uthola amaphepha ekhadi lesikweletu le-akhawunti ongayazi
- 2. Igama lakho lisusiwe kwi-akhawunti ehlangene
- 3. Umlingani wakho ukhathazeka ngokweqile ngokuqoqa imeyili
- 4. Umlingani wakho unezinto ezintsha
- 5. Imali ekulondolozeni noma ekuhloleni kwakho iyalahleka
- 6. Umlingani wakho uthinteka kakhulu emoyeni uma ufuna ukuxoxa ngemali
- 7. Umlingani wakho uqamba amanga ngezindleko
- 8. Umlingani wakho ubonakala enentshisekelo enkulu emalini nasekubhajetheni
- Sisebenzelana kanjani nakho?
- Ukudalulwa okugcwele
- Yenza ukuzibophezela ekushintsheni
Imvamisa ukungathembeki kwezezimali kungaba uphawu lwezinkinga ezijulile emshadweni. Kungaba nezimpande emizweni yokungazethembi kanye nesidingo sokuvikelwa noma sokulawulwa.
Ukungathembeki kwezezimali kungachazwa njengokuqamba amanga ngobuhlakani noma ngamabomu kumlingani wakho ngemali, isikweletu, kanye / noma isikweletu. Akukhohlwa ngezikhathi ezithile ukuqopha ukuthengiselana kwekhadi lesheke noma ledebhithi. Kuyisimo lapho omunye umlingani efihla imfihlo ehlobene nemali komunye. Ngokusho kweNational Endowment for Financial Education, abantu baseMelika ababili kwabahlanu benze ukungathembeki kwezezimali.
Kwesinye isikhathi, ukungathembeki kwezezimali sekuqhubeke iminyaka futhi kunganakwa kanti kwezinye izimo, umlingani angasola ukuthi kuyenzeka kepha asebenzise ukuzithoba noma ukuphika ngoba banenkinga yokukholelwa ukuthi othandekayo wabo angaba yinkohliso.
Lokhu kuyiqiniso ikakhulukazi ngesikhathi se- "Romantic Stage," okuyisikhathi sokuqala komshado lapho imibhangqwana ijwayele ukugqoka izibuko ezinombala ophuzi futhi ifuna ukubona okuhle komunye nomunye futhi inganaki amaphutha noma amaphutha kumlingiswa womlingani wayo.
8 Amafulegi Abomvu Okungathembeki Kwezezimali
1. Uthola amaphepha ekhadi lesikweletu le-akhawunti ongayazi
Ukusetshenziswa kwemali bekufihliwe noma kugcinwe kuyimfihlo kuwe futhi ngokuvamile kunemali esele. Ekugcineni, umlingani wakho angazama ukulawula ama-akhawunti namaphasiwedi.
2. Igama lakho lisusiwe kwi-akhawunti ehlangene
Cishe awutholi ngalokhu ngokushesha futhi oshade naye mhlawumbe unencazelo enengqondo yokufihla izizathu zangempela zokwenza lokhu ngaphandle kokukutshela.
3. Umlingani wakho ukhathazeka ngokweqile ngokuqoqa imeyili
Bangase bashiye nomsebenzi kusenesikhathi ukuze baqiniseke ukuthi baqoqa imeyili ngaphambi kwakho.
4. Umlingani wakho unezinto ezintsha
Umlingani wakho unezinto ezintsha abazama ukukufihlela zona futhi uma ubuza umbuzo ngazo, babonakala bematasa kakhulu ukuthi bangakhuluma noma bashintshe isihloko.
5. Imali ekulondolozeni noma ekuhloleni kwakho iyalahleka
Oshade naye akanayo incazelo enhle yalokhu futhi bayakuxubha njengephutha lebhange noma banciphise ukulahleka.
6. Umlingani wakho uthinteka kakhulu emoyeni uma ufuna ukuxoxa ngemali
Bangamemeza, bakusole ngokungazweli, kanye / noma baqale ukukhala lapho uletha ezezimali.
7. Umlingani wakho uqamba amanga ngezindleko
Basebenzisa ukuphika futhi benqabe ukuvuma ukuthi banenkinga noma benza izaba.
8. Umlingani wakho ubonakala enentshisekelo enkulu emalini nasekubhajetheni
Yize lokhu kungaba yinto enhle, ngokuhamba kwesikhathi, kungaba uphawu lokuthi bayakhohlisa, bavumelanisa imali kwi-akhawunti eyimfihlo, noma banenkinga yokusebenzisa imali efihliwe.
Lapho umbhangqwana unokuxhumana okungafanele ngezindaba zemali, kungalimaza indwangu yobudlelwano babo ngoba kwehlisa ukwethembana nokusondelana. Njengemibhangqwana eminingi, uShana noJason, abasanda kweva eminyakeni engamashumi amane, bebengavamile ukukhuluma ngezinkinga zabo futhi uShana ezizwa engalondekile emshadweni wabo, ngakho-ke kwakulula kuye ukuzizwa enelungelo lokuqongelela imali kwi-akhawunti eyimfihlo.
Beshade iminyaka engaphezu kweyishumi futhi bekhulisa izingane ezimbili, base behlukane futhi into yokugcina ababefuna ukukhuluma ngayo ekupheleni kosuku olude kwakuyimali.
UJason ukubeka kanjena: “Lapho ngithola ukuthi uShana unebhange eliyimfihlo ebhange, ngazizwa ngilahliwe. Kwakunezikhathi lapho sasinenkinga yokukhokha izikweletu zanyanga zonke futhi sonke isikhathi lapho wayefaka isigaxa esikhulu semali yakhe yokukhokha ku-akhawunti eyayingenalo igama lami kuyo. Ekugcineni uvumile ukuthi owayengumyeni wakhe wayikhipha imali ababeyongile ngaphambi kokuba ahlukane kodwa ngangingasamethembi. ”
Sisebenzelana kanjani nakho?
Isinyathelo sokuqala ekubhekaneni nokungathembeki kwezezimali ukuvuma ukuthi kunenkinga nokuzimisela ukuba sengozini futhi uvuleke ngezinkinga.
Bobabili abantu abasebudlelwaneni kudingeka bathembeke emaphutheni abo ezezimali njengamanje nasesikhathini esedlule, ukuze bakwazi ukulungisa umonakalo owenziwe.
Lokho kusho ukukhipha zonke izitatimende, irisidi lekhadi lesikweletu, isikweletu, ikhadi lesikweletu, isitatimende se-akhawunti yokuhlola noma yokonga, noma yisiphi isikweletu, noma obunye ubufakazi bokusebenzisa imali.
Okulandelayo, bobabili abalingani kudingeka bazibophezele ekusebenzeni ngezinkinga ndawonye. Umuntu okhashelwe udinga isikhathi sokuzivumelanisa nemininingwane yokwephula ukwethenjwa futhi lokhu akwenzeki ngokushesha.
Ukudalulwa okugcwele
Ngokusho kochwepheshe, ngaphandle kokudalula ngokugcwele, uzongena ezinkingeni ebudlelwaneni bakho okuzoholela ekwehliseni amazinga okuthembana ebudlelwaneni bakho nemali.
Umuntu ongumenzi wobubi bokungathembeki kwezezimali kudingeka abonakale obala ngokuphelele futhi azimisele ukwenza isethembiso sokumisa le ndlela yokuziphatha eyonakalisayo. Kudingeka bazimisele ukushintsha imikhuba yabo yansuku zonke yokusebenzisa imali kanye / noma ukufihla imali, ukuboleka abanye imali, noma ukugembula.
Imibhangqwana idinga ukwabelana ngemininingwane ngezimali zayo ezedlule nezamanje.
Gcina ukhumbula ukuthi uzobe uxoxa ngemizwa kanye nezinombolo.
Ngokwesibonelo, uJason wathi kuShana, “Ngaphatheka kabi kakhulu lapho ngithola ngale akhawunti yakho eyimfihlo.” Ukuze wakhe ukwethembana, kuzofanele wabelane ngemininingwane mayelana nezikweletu zakho ezedlule nezamanje, kanye nemikhuba yokusebenzisa imali.
Yenza ukuzibophezela ekushintsheni
Uma ungumuntu obhekene nokungathembeki kwezezimali, kufanele uthembise ukuyeka ukwenza lokho okuyinkinga futhi unikeze umlingani wakho isiqinisekiso sokuthi uzimisele ngokushintsha. Ungadinga ukwenza lokhu ngokubonisa izitatimende zasebhange kanye / noma zamakhadi esikweletu. Kubalulekile ukuthi uzibophezele ekwenzeni noma yini edingekayo ukwakha kabusha ukwethembana nomlingani wakho nokuqeda isikweletu, imfihlo, kanye / noma imikhuba yokusebenzisa imali enikela ezinkingeni zezezimali.
Izithandani zivame ukubukela phansi izinselelo zomshado futhi zithenga inganekwane yokuthi uthando luzonqoba konke futhi ligweme ukukhuluma ngezimali ngoba lubanga izingxabano. Izinhlaka ezibucayi emshadweni njengokuthenga ikhaya elisha, ukuqala umsebenzi omusha, noma ukufaka ingane eyodwa noma ngaphezulu emndenini kungadala ukukhathazeka ngemali.
Uma imibhangqwana ingakhange isebenze ngezinkinga zokwethembana ezigabeni zokuqala zomshado wayo, ingaba nobunzima bokuvuleleka ngezimali.
Cabanga ngezikhathi zokwelulekana njengombhangqwana ukuthola ukwesekwa nempendulo yeqembu elingathathi hlangothi uma unamathambo amaningi ekhabethe lakho futhi wena noma umlingani wakho ninobunzima bokuvuleleka ngezimali.
Ngokuhamba kwesikhathi nokubekezela, uzokwazi kangcono ukubona ukwesaba nokukhathazeka kwakho ngemali nomlingani wakho. Khumbula ukuthi ayikho indlela “elungile” noma “engalungile” yokubhekana nezimali futhi kuwumqondo omuhle ukugxila kakhulu ekulaleleni futhi unikeze umlingani wakho inzuzo yokungabaza. Imizwa ayisiyo "mihle" noma "imibi," iyimizwa yangempela edinga ukukhonjwa, ukucubungulwa, nokwabelwana ngayo ngempumelelo ukuze ikwazi ukwamukela umqondo wokuthi "sikulokhu sindawonye" futhi izuze uthando oluhlala njalo.