-Delile
- 1. Sebenza ngobuhlakani ngemibhalo
- 2. Gcina umbhalo walokho izindleko
- 3. Gcina izimpahla zakho
- 4. Thola iseluleko esifanele sezezimali
- 5. Khumbula kahle
Ungasilungiselela kanjani isehlukaniso ngokwezimali? Wake wawucabangisisa lo mbuzo ezinsukwini zakho zenjabulo?
Ngokusobala cha! Akekho umuntu ophilile engqondweni ongalokothi acabange ukuthi angalungiselela kanjani isehlukaniso ngokwezimali ngenkathi, empeleni, besebenza ekwakheni ubudlelwano babo.
Lapho ushada, uqala uhambo lwakho ngomuzwa wobuphakade engqondweni yakho. Akekho umuntu ongandulela isehlukaniso futhi azilungiselele kusengaphambili.
Kwesinye isikhathi, akukho mali eningi yokwelulekwa nokuhlolwa okwanele ukuthi imibhangqwana ingakhethi isehlukaniso. Futhi, ukwahlukana kuba okungenakugwemeka.
Ngakho-ke, ngeshwa, lapho umshado ushaya phansi ngonyawo, abantu basala bekhungathekile, bengenalo nhlobo ulwazi lokuthi bazisingatha kanjani izinto nokuthi yini okudingeka yenziwe. Isehlukaniso kanye nezimali kwenza inhlanganisela esindayo!
Yonke le nqubo iza nezinkinga eziningi zezezimali nezingokomzwelo. Ukuhlala uqine ngalesi sikhathi kubonakala kuwumsebenzi okhandlayo.
Ngaphezulu kokuhlaselwa ngokomzwelo, ukwabiwa kwemali kuzoba ngumsebenzi onzima. Kungcono ukwenza izixazululo ezimbalwa zezezimali ngaphambi kokuvikela izingozi zomzuzu wokugcina.
Isizathu sesehlukaniso ngasinye sihlukile kwesinye. Ngakho-ke, sikweluleka ukuthi ubheke nochwepheshe.
Kepha, umbuzo uthi ungasilungiselela kanjani isehlukaniso ngokwezezimali? Kunezinyathelo ezithile okufanele uzithathe lapho ulungiselela isehlukaniso futhi ulungisa izimali zakho.
Izeluleko zesehlukaniso ezinikezwe kule ndatshana zingakusiza ukuthi ulungiselele isehlukaniso futhi wakhe uhlu lwakho lokuhlola lwezezimali olwenziwe ngezifiso.
1. Sebenza ngobuhlakani ngemibhalo
Lapho wazi ukuthi isehlukaniso asinakusetshenziswa, umbuzo wokuqala ozovela uthi - ngingayivikela kanjani imali yami esahlukanisweni? Ungahlela kanjani isehlukaniso?
Isixazululo sokulungiselela isehlukaniso siza ngezindlela ezimbili. Kuphakathi kokuthi uhamba nokugeleza esigabeni sokudangala, noma ubhekana nakho ngamaqiniso aqondile namaqhinga.
Hlanganisa yonke imibhalo yezezimali, noma mhlawumbe eminye yayo ukufakazela ubuqiniso besimo sezezimali somshado wakho.
Inqubo yokuqoqa nokufaka kuhlu olufushane ingaba yisidina, ngakho-ke qala kusenesikhathi futhi ubhekisise. Uma wabelana ngama-akhawunti, zwa amandla okuqhubeka ngezicelo.
Ungaqoqa ama-ledger wemalimboleko, ubheke futhi ulondoloze izitatimende, izitatimende zotshalo-mali, imali ekhokhwayo yakamuva, kanye nekhadi lesikweletu noma izitatimende zentela yemali engenayo.
Uhlu lokuhlola oluzonikezwa yisikhungo kufanele lufundwe kahle futhi lusetshenzelwe.
2. Gcina umbhalo walokho izindleko
Ngabe usebenze ngomcabango wokuthi ungazilungiselela kanjani ngokwehlukana isehlukaniso?
Qala ukulandelela izindleko zakho ngokushesha lapho isiqiniseko maqondana nedivosi siqhubeka, noma uma kwenzeka uhlela isehlukaniso ngasese.
Bheka izindleko zamanje nezesikhathi esizayo. Lokhu kuzonquma ngokuzenzakalela ukwabiwa kwempahla ngokomthetho kanye nesabelomali esifanele.
Ungabandakanyi izidingo kuphela, faka ngisho into encane kakhulu ewela emqondweni wakho uma ucabanga ngezindleko. Gcina amarekhodi ezikweletu nezizokhokhwa ngaphambi kokuba uqinisekise isehlukaniso sakho.
Ukuhlelwa kwezezimali kwezehlukaniso kudinga ukwenziwa ngokuxwayisa yize ubhekene nanoma yisiphi isiphithiphithi somphefumulo, nokukhathala ngokomzimba kanye nangokwengqondo.
3. Gcina izimpahla zakho
Uma ufuna ukubhekana nezinkinga zakho ezinjengokuthi ‘ungazilungiselela kanjani ngokwezimali isehlukaniso,’ kufanele ulondoloze izimpahla zakho, noma ngabe inqubo yesehlukaniso ikuthwalisa kanzima kangakanani
Khumbula njalo - njengoba yonke inqubo ikuphazamisa, yonga, ungasebenzisi.
Vele, kufanele ufune umeluleki wezezimali wedivosi onekhono. Kepha, ngokuxhamazela kokuthola ubufakazi obuhle nokusekelwa ohlangothini lwakho, unganqwabeli izindleko zommeli nezommeli.
Zama ukubopha ukonga ngokulingana. Qaphela kakhulu ngezimalimboleko, izikweletu, nezikweletu onazo noma ezizayo.
4. Thola iseluleko esifanele sezezimali
Nayi enye yezeluleko ezibucayi zokuthi ungalungiselela kanjani isehlukaniso ngokwezimali.
Kukhona ithuba lokuthi oshade naye ungumphathi wezezimali wendlu. Kulolu hlobo lwesimo, ngenkathi uhlela isehlukaniso, lungiselela amaqiniso nezibalo kahle.
Noma ungalindeli ukuthi kukhona ukungaboni ngaso linye, isehlukaniso sikulethela ubunzima bezimali.
Zitholele umeluleki wezezimali futhi wazi isidingo sosizo olunjalo. Ungagcini wedwa futhi ulahlekile kule nqubo.
Usizo olufanele luzonquma yonke imiphumela.
5. Khumbula kahle
Uma umcabango wokuthi 'ungazilungiselela kanjani isehlukaniso ngokwezezimali' usakucindezela, nazi ezinye izeluleko zokuthi uzikhuthaze.
Ukukhumbula ukuba neziqinisekiso kungaba nzima impela ngomzuzu wokugcina. Kungaba yimoto yakho noma okubolekwayo, ngobuhlakani ubheke ubufakazi bese wenza izinqumo ezihlakaniphile mayelana nazo.
Bheka izinqubomgomo zomhlomuli nezomshuwalense wezimpahla zakho. Uma uqoqa wonke amaphepha, yenza amakhophi ukuze ungalahli nelilodwa lawo.
Futhi Buka:
Ukugoqa
Ngenkathi eminye imiphumela izokuvuna, eminye ngeke. Yenza ucwaningo lwakho nezincwadi zakho kahle ukuze ungazisoli nganoma iyiphi ingxenye yalo.
Uma izingane zakho zibandakanyeka, engeza izidingo zazo, ezezimali kanye nemishwalense esitatimendeni sokugcina sezezimali. Noma yisiphi isinqumo ozosithatha ngokushesha sizoholela ezinqumweni ezingafanele.
Zama ukuba nengqondo kulolu daba, futhi njengoba uzama ukukhipha imali, lungisa futhi uqonde. Le yindlela ozilungiselela ngayo isehlukaniso ngokwezimali!
Ukulindela ukushada kabusha kuvamile. Kepha, ungavumeli ukuhaha kukuthathe futhi kudale igebe elingaphinde ligcwaliswe.
Siyethemba ukuthi lesi seluleko 'sokuthi ungasilungiselela kanjani isehlukaniso ngokwezezimali' sikusiza ukuphatha izimali zakho zesehlukaniso kahle ngesikhathi, futhi sikulungiselele isikhathi sokuhlolwa esiseduze.