-Delile
Kubantu abaningi, imiphumela yezimali yokushada imayelana nodaba lokugcina lokucatshangelwa lapho kwenziwa isinqumo sokubopha ifindo lomshado.
Uma usothandweni, akunakwenzeka ukuthi “ubale izindleko” zomshado ozayo. Ingabe sizokwazi ukuzondla? Kuthiwani ngomshuwalense, izindleko zokwelashwa, nezindleko zekhaya elikhudlwana?
Yize le mibuzo ibalulekile, imvamisa asibavumeli baqhube ingxoxo isiyonke. Kepha kufanele. Kumele.
I- ubuhle bezimali kanye nobubi bokushada kamuva empilweni kungaba okuphawuleka kakhulu. Yize kungekho kulezi zinzuzo nobubi bokushada usumdala "okuyizinto eziqinisekile" noma "ezenza izihlukanisi," kufanele zihlolwe kahle futhi zikalwe.
Sihlola ezinye zezinto ezinhle nezimbi zokushada ngokuhamba kwesikhathi empilweni engezansi. Njengoba ufunda lolu hlu, yiba sengxoxweni nomlingani wakho.
Buzanani, "Ngabe izimo zethu zezimali zizophazamisa noma zithuthukise imishado yethu yesikhathi esizayo?" Futhi, ngokufanayo, "Kufanele sifune iseluleko somuntu osuswe esimweni sethu nakokuhlangenwe nakho komndeni?"
Izinzuzo
- “Isisekelo” sezimali esinempilo
Kwabashadikazi abaningi asebekhulile, inzuzo ebonakalayo yokushada kamuva empilweni iholo elihlangene.
Imali engenayo ehlangene inkulu kunalokho umuntu abengakulindela ezigabeni zokuqala zempilo.
Imibhangqwana esekhulile ivame ukuzuza “emugqeni” wezimali onempilo. Imali engenayo ephakeme isho ukuguquguquka okungaphezulu kokuhamba, ukutshalwa kwezimali, nezinye izindleko zokuqonda.
Amakhaya amaningi, ukubanjwa komhlaba, nokunye okunjalo kuqinisa umugqa ongaphansi wezimali. Yini okufanele ilahlekelwe, akunjalo?
- Inetha lokuphepha eliqinile lezikhathi ezinomzimba
Imibhangqwana esekhulile ijwayele ukuba ne-bevy yezimpahla ezinazo. Kusukela kumaphothifoliyo esitoko kuya ekubanjweni kwezezakhiwo, imvamisa bayazuza kunqwaba yezinsizakusebenza zezezimali ezinganikeza inetha lokuqina eliqinile lezikhathi ezinzima.
Zonke lezi zimpahla, ngaphansi kwezimo ezifanele, zingakhishwa futhi zidluliswe.
Ngalenzuzo yokushada kamuva empilweni, umuntu angashada nomlingani wakhe, azi ukuthi imali yethu engenayo ingamnika ukuzinza uma ehlangabezana nokufa okungalindelekile.
- Umlingani wokubonisana kwezezimali
Abantu abanesizini bavame ukuphatha kahle imali yabo kanye nezindleko zabo. Basebenza ngendlela ehambisanayo yokuphathwa kwezezimali, bayakwazi ukuphatha imali yabo ngendlela enezimiso.
Le ndlela eqondisiwe yokuphathwa kwezimali ingasho ukusimama kwezezimali emshadweni. Ukwabelana ngokuqonda kwakho kwezezimali nezindlela zakho nozakwethu kungaba yimpumelelo.
Ukuba nomngane wokubonisana naye nge-bevy yezinkinga zezezimali nakho kungaba yigugu elihle.
- Bobabili abalingani bazimele ngokwezezimali
Imibhangqwana emidala nayo ingena emshadweni inolwazi 'lokukhokha.' Bazazi kahle izindleko zokondla ikhaya, kungenzeka banganciki emholweni womlingani wabo lapho bengena emshadweni.
Lokhu kusho ukuthi ukuzimela ngokwezezimali kungasiza labo abashadayo njengoba beqala impilo yabo yomshado ndawonye. Indlela yakudala "yakhe, yakhe, eyami" kuma-akhawunti asebhange nezinye izimpahla ihlonipha ukuzimela ngenkathi idala nomqondo omuhle wokuxhuma.
Umthengi
- Ukusolwa kwezezimali
Kukholwe noma ungakukholwa, izinsolo zezezimali zingangena ku-psyche yabantu abanikeza umshado wesigaba sekwephuzile ukudubula. Njengoba sikhula, sivame ukuvikela izintshisekelo zethu nempahla yethu.
Uma kungekho uhlobo oluthile lokudalulwa okuphelele nabalingani bethu esingahle sibe nabo, singasola kakhulu ukuthi okunye kwethu okubalulekile kugodla “indlela yokuphila” ekhulisa imali kithi.
Uma othandiweyo wethu eqhubeka nokucebisa impilo yakhe futhi siqhubeka nokulwa, ingabe sifuna ukuba yingxenye yenyunyana “engaqondakali”?
- Izindleko zezokwelapha ezandisiwe
Okunye okubi ngokushada kamuva empilweni ukuthi izindleko zokwelashwa zikhuphuka njengoba sikhula. Ngenkathi sikwazi ukuphatha amashumi eminyaka okuqala ngempilo ngezindleko ezilinganiselwe zokwelashwa, impilo yangamuva ingagcwaliswa ngohambo oluya esibhedlela, emtholampilo wamazinyo, esikhungweni sokubuyisela esimeni, nakwezinye izindawo.
Lapho sishadile, lezi zindleko sizidlulisela komunye wethu obalulekile. Uma sibhekene nokugula okuyinhlekelele, noma okubi nakakhulu, ukufa, sidlulisela izindleko ezinkulu kulabo abasele. Ingabe lolu uhlobo lwefa esifuna ukulunika labo esibathanda kakhulu?
- Izinsizakusebenza zozakwethu zingaphambukiselwa kwababondlayo
Abantu abathembele kubantu abadala bavame ukufuna ukwesekwa kwezezimali kubazali babo lapho umkhumbi wezezimali usohlwini. Lapho sishada umuntu omdala onezingane ezindala, izingane zakhe nazo ziba ezethu.
Uma singavumelani nendlela yezimali abathandekayo bethu abayithatha nezingane zabo ezindala; sibeka wonke amaqembu ezingxabanweni ezinkulu. Ingabe kuwufanele? Kuphuma kuwe.
- Ukumiswa kwempahla kazakwethu
Ekugcineni, iningi lethu lizodinga ukunakekelwa kwezokwelapha okungaphezulu kakhulu kwamandla ethu. Lapho singakwazi ukuzinakekela, okusizwayo, amakhaya okuhlala / asebekhulile angaba semakhadini ethu.
Umthelela wezezimali waleli zinga mkhulu kakhulu, uvame ukuholela ekuphelisweni kwempahla yomuntu. Lokhu ukucatshangelwa okubalulekile kubantu abadala asebecabanga ukushada.
Imicabango yokugcina
Kukonke, kunezinzuzo nezimali eziningi zomshado ukufaka ejokeni umkhumbi wethu wezezimali kubalingani bethu.
Yize kungasabeka impela ukuvula "izincwadi" ezindabeni zethu zezezimali, kubalulekile ukunikeza ulwazi oluningi ngangokunokwenzeka njengoba singena enjabulweni nasezinseleleni zomshado.
Ngendlela efanayo, yethu ophathina kufanele bazimisele ukudalula imininingwane yabo yezezimali futhi. Inhloso ukukhuthaza ingxoxo enempilo ngokuthi le mizi emibili ezimele izosebenzisana kanjani njengeyunithi eyodwa.
Ngasohlangothini lwe-flip, ukudalulwa kwethu kungakhombisa ukuthi ukuhlangana ngokomzimba nangokomzwelo kungenzeka, kepha inyunyana yezezimali ayinakwenzeka.
Uma abalingani babelana ngezindaba zabo zezezimali ngendlela esobala, bangathola ukuthi izindlela zabo zokuphatha kanye nezotshalomali azihambisani neze.
Okufanele ngikwenze? Uma ungakabi nesiqiniseko ngobuhle nobubi bomshado wephuzile, cela usizo kumeluleki othembekile futhi ubone ukuthi ngabe inyunyana izoba inyunyana esebenzayo yini yenhlekelele engaba khona.
Buka futhi: