-Delile
- 1. Yiba nezingxoxo zezezimali ngaphambi kokushada
- 2. Hlela isabelomali futhi usilandele ngokuqinile
- 3. Yonke imibhangqwana kufanele ibe nama-akhawunti ayo ahlukene asebhange
- 4. Yibani nemihlangano yomndeni
- 5. Gcina isheke eliqinile ezindlekweni
- 6. Nquma isabelomali sakho semicimbi ekhethekile ngaphambili
- 7. Thola ngemikhuba yezezimali yezinhlangano zombili
Imishado yesibili ingaletha isethi entsha yezinselelo zezezimali, futhi okunye okubaluleke kakhulu ukuthola ukuthi ungahlukanisa kanjani imali emndenini ohlangene. Uma bobabili abashadile bevela kubakaki abahola imali ehlukene, kungenzeka kakhulu ukuthi bajwayele ukuphatha imali ngezindlela ezahlukene ikakhulukazi uma kukhulunywa ngezingane zabo.
Noma imindeni ehlanganayo isuka kwisizinda esifanayo bobabili abazali bangaba namafilosofi ahlukile maqondana nezibonelelo, imisebenzi yasekhaya, namasu wokonga. Ngaphezu kwalokho, njengomzali ongayedwa, kungenzeka ukuthi wajwayela ukwenza izinqumo zezimali ngaphandle kokubonisana nanoma ngubani.
Futhi kunethuba lokuthi oyedwa noma bobabili amaqembu angaletha izibopho zezezimali nezikweletu kubo.
1. Yiba nezingxoxo zezezimali ngaphambi kokushada
Kuhle ukuthi abantu abashadile bakhulume ngezimali ngaphambi kokushada.
Ungabandakanya izinsizakalo zomhleli wezezimali ukubala ukuthi izibopho nezikweletu ezitholwe ngumlingani wangaphambilini zizophathwa kanjani.
Ngaphandle kwalokho, xoxani ngokuthi abashadikazi abasha nezingane bazovikelwa kanjani ngokwezimali.
Ngakho-ke lapho senizobandakanyeka kuhlelo oluhlanganisiwe lomndeni ukuxhumana nohlelo lwezezimali noshade naye kusiza ekuqinisekiseni ukuthi nobabili nisekhasini elilodwa futhi niqinisekile ukuthi nizophila impilo ephumelelayo ndawonye.
2. Hlela isabelomali futhi usilandele ngokuqinile
Beka phambili izindleko zakho ngokuhlanganyela.
Nquma izinto ezibalulekile nephesenti lomholo womuntu ngamunye elizongena ezindlekweni zasekhaya. Qiniseka ukuthi ubeka eceleni inani elinqunyelwe lokonga ngaphambi kokuthola izindleko.
Okubaluleke kakhulu kuwe kuzoba:
- Imali ebolekwayo
- Izindleko zemfundo
- Umshuwalense wemoto nokugcinwa
- Izindleko zasendlini ezifana nokudla nezinsiza
- Izikweletu zezokwelapha
Hlukanisa lezi zindleko ngokufanele ngokubheka iholo lomuntu ngamunye. Qiniseka ukuthi uyanquma ngesibonelelo sezingane zakho noma izingane ezifunda emakolishi zizoyisebenzisa kanjani imali ezinikezwe zona.
Okunye ukucatshangelwa okubalulekile okungafanele kunganakwa ukuthi ngabe kukhona yini ukuxhaswa kwengane okufanele kukhokhwe noma ngabe kukhona ukukhokhelwa kwemali yesondlo okuqhubekayo. Lezi zinkinga zingadala ingcindezi ekhaya uma kungaxoxwa ngazo ngokukhululeka.
3. Yonke imibhangqwana kufanele ibe nama-akhawunti ayo ahlukene asebhange
Njengesithandani, kufanele nibe ne-akhawunti ehlangene ukuze nobabili nikwazi ukufinyelela ezindlekweni zasendlini, amaholide, njll. Ngaphezu kwalokho, nobabili kufanele nigcine ama-akhawunti ahlukene futhi.
Lawa ma-akhawunti kufanele abe nephesenti elithile lomholo wakho njengokulondolozwa noma isondlo sengane esikhokhelwa ngumlingani owedlule ukugcina inani lihlukile.
4. Yibani nemihlangano yomndeni
Ukuhlanganiswa kwemindeni emibili kusho ushintsho kuwo wonke umuntu. Kusho nokuthi nemithetho yezezimali izoshintsha nayo. Ngaphezu kwalokho, njengoba izingane zithola izimali zomndeni ezindala nezindleko kuzodingeka zivuselelwe.
Ungaba nemihlangano yomndeni lapho ungachazela izingane isimo futhi ugcine izinto zingahlelekile ukuze izingane zibheke phambili emihlanganweni enjalo.
5. Gcina isheke eliqinile ezindlekweni
Yize emndenini ohlanganisiwe uzobe uthengisa ngesimo sakho semali engenayo yomzali oyedwa ukuze uthole imali engenayo yomndeni emibili ongeke uphile ngaphezu kwamandla akho. Qiniseka ukuthi awuthengi noma yini ongeke ukwazi ukuyithenga.
Kungaba yisilingo esikhulu ukusebenzisa ngokweqile noma ukuthatha isikweletu esisha ngemuva kokuthuthela eqenjini elinemali ethe xaxa kepha kubalulekile ukukhumbula ukuthi imindeni ehlanganisiwe imvamisa idinga ukusetshenziswa kwemali enkulu.
6. Nquma isabelomali sakho semicimbi ekhethekile ngaphambili
Nquma isabelomali samaholide noma sezinsuku zokuzalwa kusengaphambili njengoba wonke umuntu akholelwa ukuthi amasiko abo eholideyi angcono kakhulu. Setha umkhawulo wezipho ngezinsuku zokuzalwa nangoKhisimusi ukuze uqiniseke ukuthi ugcina kubhajethi yakho.
7. Thola ngemikhuba yezezimali yezinhlangano zombili
Izibalo zikhomba ukuthi imikhuba eyehlukene ekuphatheni imali kanye nobunzima bezezimali kuyimbangela enkulu yesehlukaniso. Ngakho-ke, kubalulekile ukuxoxa ngezitayela zemali ngaphambi komshado.
Ukukhulumisana ngemikhuba yokusebenzisa imali, izifiso, nokutholakala kwemali ngaphambi kokushintshana ngezifungo kungavimbela imibhangqwana ekulahlekelweni yimali futhi ibe nezimpikiswano ngemali.
Yabelanani ngezinkinga zezezimali ezedlule, ukwehluleka, inani lamanje lesikweletu, kanye nesikweletu.
Xoxa ngokuthi ngubani ozophatha noma alawule ama-akhawunti asebhange. Kubalulekile futhi ukunquma ngezinhlelo zesikhathi esizayo zezindleko ezinkulu njengokuthenga indlu, izindleko zemfundo, nokongela umhlalaphansi.
Lapho imindeni emibili ihlangana ibe munye, kunokunye okuphethwe nokuhlelwa ngaphandle komshado namalungiselelo okuhlala. Kukhona amathuba okuthi bobabili abalingani banezibopho zabo zezezimali futhi kungadingeka ukuthi bahlukanise izindleko zokusebenzisana.
Isabelomali esingokoqobo, esilinganiselwe kahle singasiza ekwehliseni ukucindezeleka okuhlobene nemali futhi senze kube lula ukuphatha ezezimali.
Ngokukhulumisana nemithetho yemali nomlingani wakho nezingane, nizoba nezimiso ezifanayo ezingachaza kahle ukuthi imali kufanele isetshenziswe kanjani.