-Delile
- 1. Ziyini izinhloso zenu njengabantu abashadile?
- 2.Usobala kangakanani uma kukhulunywa ngemali?
- 3. Iyini imithetho eyisisekelo?
- 4. Zizohlukaniswa kanjani izindleko okwabelwana ngazo?
- 5. Unazo yini izitayela zebhange ezifanayo?
Uthathe isinyathelo esikhulu sokuhamba ephaseji futhi usanda kubuya kuleyo nyosi enhle kakhulu. Ngemuva kwenjabulo yangemva komshado yokuhlobisa indawo yakho ngezipho zokubhalisa (nokuqedela wonke lawo manothi okubonga!), Udinga ukuqala ukucabanga ngolunye lwezinhlangothi ezisebenzayo zomshado - izimali zakho. Mhlawumbe ufuna ukonga ukuze ekugcineni udlulele ngaphesheya kokuqasha ungene ekhaya lakho lokuqala, noma ucabange ngokuqala umndeni, futhi ukuwahlela ngendlela kungabasiza ukuthi bafike lapho. Umbuzo owodwa obucayi imibhangqwana yonke okufanele iwubuze ukuthi ingavulwa yini i-akhawunti yokuhlola ehlangene noma ibagcine behlukene.
Nazi iziphakamiso ezinhlanu ezingezansi okufanele uzicabangele lapho unquma ukuthi ngabe kuhamba kahle yini.
1. Ziyini izinhloso zenu njengabantu abashadile?
Ingxenye enkulu yokushada yindlela ohlela ukuyisebenzisa ngayo imali yenu njengeqembu. Noma ngabe konga ukuthenga indlu, ukukhulisa umndeni, noma ukusebenza kancane ukwenza imisebenzi oyithandayo, ukuthatha isikhathi sokuhlala phansi ukhulume ngempilo eniyicabangayo kubalulekile ukukopisha imali yakho amanani akho owabelane ngawo nezinhloso zesikhathi eside.
Yize lokhu kungasebenzi kuwo wonke umuntu, ukuba nomuntu oyedwa ebudlelwaneni kube nguyena obhekele izindaba zemali njengokuqinisekisa ukuthi izikweletu ziyanakekelwa, ama-akhawunti omhlalaphansi ayaxhaswa, futhi izinhloso zemali ziyahamba, kungasiza. Vele uqiniseke ukuthi indima yomuntu oqokelwe ukubheka ama-akhawunti akho ichazwe kahle.
2.Usobala kangakanani uma kukhulunywa ngemali?
Uma ukuthola kunzima ukukhuluma ngemali nomuntu oshade naye, awuwedwa. Ukukhuluma ngezezimali kuyindaba ethinta abaningi. IRoma ayakhiwanga ngosuku, ngakho-ke qala kancane futhi kancane kancane uthuthukise lokho kwethemba. Kungemva nje kokwakha lokho kwethemba lapho ungaba nezingxoxo ezingagunci nezisuka enhliziyweni ngezimali.
3. Iyini imithetho eyisisekelo?
Uma uvule i-akhawunti ngokuhlanganyela, ukubeka imithetho eyisisekelo kuzoqinisekisa ukuthi wena nomlingani wakho nisekhasini elilodwa uma kuziwa endabeni yokusebenzisa imali. Eminye imithetho ingahle ibheke nomunye umuntu ukuthenga okukhethekile okungaphezu kwenani le-X, noma ukuthi umuntu ngamunye unesibopho sokukhokha isikweletu sakhe.
Uma umlingani oyedwa ebudlelwaneni bakho kunguye owondlayo ngenkathi omunye umlingani ematasa nokufunda noma ethambekele ekunakekelweni kwezingane, thola ukuthi ngabe lowo ohola imali enkulu uyakwazi yini ukusebenzisa imali ethe xaxa yokusebenzisa imali, noma ngabe imali engenayo elahlwayo ingabiwa ngokulinganayo. Ukuhlola izinto kusengaphambili kuzovimbela izingxabano emgqeni.
4. Zizohlukaniswa kanjani izindleko okwabelwana ngazo?
Uma wena noshade naye ninemiholo engalingani, ingabe izindleko ezabiwe ziyohlukaniswa phakathi? Uma kungenjalo, uzakwethu ubhekele malini? Uhlelo olulodwa olungaba khona ukuthi umlingani ngamunye unikela ngephesenti ezindlekweni ezabiwe ezilingana nephesenti lemali engenayo abayingenisayo. Isibonelo, uma unikela ngamaphesenti angama-40 kuyo yonke imali engenayo njengombhangqwana, uzoba nesibopho sokukhokha amaphesenti angama-40 yezindleko zakho owabelane ngazo, ngenkathi umlingani wakho enikela ngamaphesenti asele angama-60.
Ongakwenza ukuhlola amanzi ukuqala ukuvula i-akhawunti ngokuhlanganyela ngenkathi ugcina ama-akhawunti akho ahlukene ngasikhathi sinye. I-akhawunti ehlangene ingasetshenziswa njengechibi lokukhokhela izindleko zokuphila ezifana nezindlu, izinsiza, nokudla, noma ingasetshenziselwa ukuxhasa umgomo owabiwe, njengeholide lamaphupho noma ukukhokha imali ekhayeni.
5. Unazo yini izitayela zebhange ezifanayo?
Ngenkathi ukuba ne-akhawunti yasebhange okwabiwe ngayo kwenza imali yakho ibe lula futhi ikwenze kube lula ukugcina ithrekhi, qiniseka ukuthi ilungele zombili izitayela zakho zebhange. Isibonelo, omunye wenu angakhetha izinsizakalo zesikhungo sezezimali esisekelwe kuwebhu, kanti omunye udinga ukufinyelela egatsheni elibonakalayo, ngakho-ke ukuhlanganisa izimali zakho kungahle kungabi nengqondo njengoba imali yakho ivela ezindaweni ezahlukahlukene ezinjalo.
Uma ukubhenka ngamaselula kuyinto yakho futhi umlingani wakho “eye futhi akhulume nothile” uhlobo lomuntu, bese uchitha isikhathi ubheka izinketho zakho ezahlukahlukene ukuze ubone ukuthi yini ama-jives kahle ngezitayela zakho zebhange. Omunye umehluko kungaba ukuthi omunye umlingani uthanda ukusebenzisa imali ngenkathi omunye ethanda ukukhokha ngokwamanani. Uma unemibuzo, khuluma negatsha lenyunyana yakho yangakini ukuze ufunde kabanzi mayelana nezinketho, izinsizakalo namathuluzi okufanele banikele ngawo. Lokhu kungacacisa izinto futhi kusize ekwenzeni izinqumo ezinhle kakhulu wena noshade naye.
USamantha Paxson
USamantha Paxson uyi-EVP Yezimakethe Namasu kwa-CO-OP Financial Services, inkampani yezobuchwepheshe bezezimali yezinyunyana zezikweletu ezingama-3 500 kanye namalungu abo ayizigidi ezingama-60.