-Delile
- Imibhangqwana eshadile kufanele iziphathe kanjani ezezimali
- Yazi ukuthi uvelaphi
- Yenza ukulungisa isimo sengqondo
- Xoxani ngama-akhawunti asebhange
- Qiniseka ukuthi unesikhwama esiphuthumayo
- Hlela isu lakho ndawonye
Izimali zingadala ukungezwani okuningi emshadweni, kepha izinkinga zezimali nezomshado akudingeki zifane uma nisebenzisana ngokwabelana ngezimali emshadweni.
Umshado nezimali kuyahambisana. Njengoba nje uhlala umbhede wakho nokuphila kwakho nomlingani wakho, ukwabelana ngezindleko ebudlelwaneni kungenakugwemeka.
Uma ubanjwe ukuthi 'ungazisingatha kanjani izimali emshadweni?', Asikho isisombululo esichazwe kahle kule nkinga. Zonke izinkinga zombhangqwana ziyehlukile futhi abashadile kudingeka basebenze ngokubambisana ekuphathweni kwezimali ngemuva komshado.
Eminye imibhangqwana iyenqaba ukunamathela endleleni yayo yokuphatha imali, okuyinto ebebeyenza iminyaka. Kepha, le ndlela ingahle ihlangane nabalingani babo, ngenkathi babelana ngezimali emshadweni.
Kunabantu abangahle bakhethe ukuthatha umthwalo konke emahlombe abo. Ngasikhathi sinye, kunabanye abakhetha ukusifaka kumlingani wabo esikhundleni salokho.
Imibhangqwana eshadile kufanele iziphathe kanjani ezezimali
Kunezibonelo zemibhangqwana eminingana eyehluleka ukuphatha izimali emshadweni. Abashadile baze baqambe amanga, bakhohlise, basebenzise imali ngokweqile, bafihle izindleko futhi benze konke okusemandleni ukudala ukuthi ukwethembana ebudlelwaneni kube yisikhumbuzo esidlulile.
Ngakho-ke umbuzo uhlala, ukuthi ungaziphatha kanjani ezezimali njengabantu abashadile futhi uvikele uhlobo olunjalo lwezinhlekelele zezezimali ezenzeka ebudlelwaneni bakho?
Izindaba ezimnandi ukuthi awudingi ukuba ungene obishini nomcabango wokuthi, ‘ungayiphatha kanjani imali njengabantu abashadile’, njengoba kunesixazululo esisebenzayo sokuhlanganyela izimali emshadweni.
Kuthatha nje umkhuba omncane, ukuxhumana, ukuvuleleka nokwethembana, ukungena kumkhuba wezezimali onempilo. Uma bobabili abashadile bezimisele ukulungisa lokho, nobabili ningakujabulela ukuphatha izimali ndawonye emshadweni wenu.
Cabanga ngalezi zeluleko ezimbalwa nezeluleko okufanele uziqonde, imibhangqwana eshadile iziphatha kanjani ezezimali nokuthi ingaphathwa kanjani imali emshadweni. Lezi zeluleko ezibalulekile nezisebenzisekayo zingakusiza ukuthi uzulazule ngempumelelo emigwaqeni yezezimali yomshado wakho:
Yazi ukuthi uvelaphi
Indlela okhule ngayo nendlela ofunda ngayo ukuphatha izimali ngenkathi usemncane kuzoba nomthelela omkhulu ezenzweni zakho, okulindelwe nasezimalini zakho emshadweni wakho.
Mhlawumbe umndeni wakho ubumpofu futhi awukaze wazi ukuthi kuzokwanela yini ukudla okulandelayo, ngenkathi umndeni womlingani wakho ucebile futhi unokwanela konke.
Kubaluleke kakhulu ukuthi nobabili nazi futhi nixoxe ngemvelaphi yomunye nomunye, ngoba lokhu kuzoninika ukuqonda ngendlela oshade naye azizwa ngayo ngezezimali.
Lapho-ke lapho kuvela ukungezwani, uzoba nokuqonda okungcono kokuthi omunye umuntu uvelaphi. Kungaleso sikhathi-ke lapho ungahlose ukuphatha kahle imali emshadweni.
Yenza ukulungisa isimo sengqondo
Ukushada kudinga ukulungiswa okukhulu kwesimo sengqondo kuyo yonke imikhakha yempilo yakho, kufaka phakathi nezimali. Awungeke ube nendlela yami noma isimo somgwaqo omkhulu sokuphatha izimali ngemuva komshado.
Manje sonke isinqumo osithathayo nakanjani sizothinta oshade naye ngandlela thile. Kufanele ujwayele ukuhlanganyela futhi nixoxe ngayo yonke into ndawonye, nisebenzise indlela yeqembu esikhundleni sendlela yokuzimela.
Izinhlobo zobuntu ezahlukahlukene zizoba nezindlela ezahlukahlukene futhi lapha lapho kufanele nithole ukuthi yini esebenza kangcono kini nobabili ngokwabelana ngezimali emshadweni.
Xoxani ngama-akhawunti asebhange
Kukhona kokubili okuhle nokubi ngokushada ngezimali ezihlukile noma ukugcina i-akhawunti yasebhange ngokuhlanganyela.
Uma ubuza, uma imibhangqwana eshadile inama-akhawunti asebhange ngokuhlanganyela, ungakwazi, uma bobabili abalingani bekhululekile ngomcabango wokuhlanganyela izimali emshadweni.
Awukwazi nje ukwenza imali yakho ibe lula ngokuhlanganisa ama-akhawunti akho, kepha futhi usiza ukuzala ukwethembana emshadweni wakho. Futhi, kusebenza kakhulu uma kunokungalingani emholweni, omunye wabashadikazi abe ngumama noma ubaba ohlala ekhaya.
Uma nikushilo lokho, kuyiqiniso futhi ukuthi nobabili ningayithokozela inkululeko futhi nithande ama-akhawunti asebhange ahlukene emshadweni. Uma kubhekwa izinga eliphakeme lesehlukaniso, ukwehlukanisa izimali emshadweni akuwona umqondo omubi uma uphethwe ngobuhlakani bobabili abashadile.
Ngakho-ke, ngenkathi wabelana ngezezimali emshadweni, qiniseka ukuthi uxoxa noshade naye nganoma yini oyinqumayo futhi onethezekile ngayo.
Qiniseka ukuthi unesikhwama esiphuthumayo
Cabanga ngokuba nesikhwama esiphuthumayo njengeyona nto ebaluleke kakhulu kuwe uma ungenayo vele.
Isikhwama esiphuthumayo yimali okufanele uyibeke eceleni uma kwenzeka okuthile okubizayo kwenzeka ngokungalindelekile. Kungaba ukugula kwakho okungazelelwe noma ukugula komndeni, umsebenzi olahlekile, inhlekelele yemvelo, noma ukulungiswa okukhulu kwendlu.
Hlela ukwakha isikhwama sezimo eziphuthumayo ngokushesha okukhulu, ngoba kuzokulethela uzinzo lwezezimali futhi kuvikele ubudlelwano bakho, uma kungenzeka ulahlekelwe ngumsebenzi noma nganoma yisiphi isimo esinjalo esingabaliwe.
Ngakho-ke, uma nibeka phambili imali yokwabelana emshadweni, qinisekani ukugcina lesi sikhwama esiphuthumayo siphephile futhi nifinyeleleka kini nobabili.
Hlela isu lakho ndawonye
Manje njengoba senishadile kuzodingeka nihlale phansi ndawonye nihlele isu lenu lezezimali. Ngamanye amagama, ukwenza isabelomali sakho kuyindlela engcono yokuphatha imali emshadweni.
Uma unezikweletu, okubalulekile kuzoba ukukhokha lezo zikweletu ngokushesha okukhulu. Ngemuva kokwenza isabelomali sezindleko zakho zanyanga zonke, nquma ukuthi ungonga noma utshale malini, futhi ungakhohlwa ngokunikela ngezizathu ezifanele.
Eminye imibhangqwana iyavumelana ukuthi umlingani oyedwa asingathe izindaba eziningi zezezimali, kepha noma kunjalo, bobabili abalingani kudingeka babe "ngokuphelele" futhi bazi ukuthi isetshenziswa kanjani imali yabo.
Okuhlobene- Ngabe imali iba yinkinga emshadweni wakho?
Uma kukhulunywa ngezezimali, ukuphathwa kwemali kwabashadile, nezeluleko ngomshado, kuyindlela yokufunda impilo yakho yonke.
Uma kukhulunywa ngokwabelana ngezezimali emshadweni nokwenza isabelomali semibhangqwana eshadile, vulelani ukwabelana futhi nifunde komunye nomunye nakwabanye futhi uzoqiniseka ukuthi uzophumelela.