-Delile
Sonke sizwile ukuthi ezezimali kungaba isizathu esiyinhloko esenza imibhangqwana ixabane noma ihlukanise.
Emishadweni lapho kunezikweletu ezinkulu noma ubunzima obukhulu bezezimali, imibhangqwana ibika amazinga aphansi okwaneliseka.
Imali ingazizwa iyinto ehlanganisa konke futhi ingaba namandla uma ungazizwa ulawula izimali zakho. Lapho kunokungahambisani ngokwezezimali, imibhangqwana elwa ngenxa yezinkinga zemali nemali emshadweni iba yinto ephindaphindayo.
Ukuthatha abantu ababili abahlukene futhi ubalindele ukuthi bazophatha ezezimali zabo ndawonye lapho sebeshadile kuyindlela, izimpikiswano ezinhle. Ukungakhathazeki, ezezimali nezabelomali akudingeki kube yizinto ezethusayo.
Ngakho-ke, ungakugwema kanjani ukuphikisana nokungqubuzana emshadweni lapho izindaba zemali emshadweni zidlangile?
Uma uhlanganisa imibhangqwana nemali, noma ukwabelana ngezindleko ebudlelwaneni, kungaholela ekuxabaneni okungathi sína.
Okubalwe ngezansi kunamathiphu ambalwa ongawalandela ukumisa ukulwa ngemali, ace ikhono lokugcina izimali zombhangqwana, ukufinyelela injabulo yezezimali emshadweni wakho.
Beka konke etafuleni
Ukuqala umshado ngokwethembeka okuphelele njalo kuyinqubomgomo enhle kakhulu.
Ithiphu yokuthi ungazigwema kanjani izingxabano - Xoxa ngokukhululekile ngezindaba zezimali noshade naye.
Ukugcina izinto obala ngokwezezimali kuhamba ibanga elide ekubhekaneni nengcindezi yezezimali emshadweni. Ukuxoxa ngezimali emshadweni kufanele kube yinto ehamba phambili ebudlelwaneni uma ufuna ukugwema izingxabano emshadweni.
Ngokusho kweForbes, ukuhlala phansi nixoxe ngokungagunci ngezimali zakho nozakwenu kungasindisa umshado wakho ezingxabanweni ezingezansi komgwaqo.
Lokhu akusho ukuthi ngeke niphikisane ngemali, izingxabano zezezimali cishe ziyisiko lokwedlula noma imuphi umshado; ngeke nje ungene emshadweni wakho nganoma yiziphi izimfihlo zezezimali.
Akukhona nje ukuhlakanipha ukukhuluma ngesimo sakho sezezimali samanje, kodwa futhi kuwumqondo omuhle ukukhuluma nomlingani wakho mayelana nokuthi bakhuliswe kanjani. Ukwenza lokhu kungasabalalisa izimo eziningi lapho ukungqubuzana emshadweni kungenakugwenywa.
Lokhu kungakunika umbono omuhle wokuthi babona kanjani futhi bayazise kanjani imali.
Ukwazi isimo sengqondo somlingani wakho ngemali kungakuhola ekwenzeni izinqumo maqondana nemali emshadweni wakho.
Lokhu kungasho ukuthi niphatha izimali zenu ndawonye noma mhlawumbe umuntu oyedwa uthatha izindleko zokukhokha futhi alinganise incwadi yokubheka. Ayikho “indlela elungile” yokuphatha izimali emshadweni.
Ukubeka konke etafuleni ekuqaleni bese uthola uhlelo olusebenzela nobabili indawo enhle yokuqala!
Dala isabelomali
Ungabhekana kanjani nezinkinga zemali ebudlelwaneni? Susa le mali nezeluleko zobudlelwano.
Ukwenza ibhajethi nomlingani wakho kungakusiza ukuba nobabili nibe ekhasini elilodwa futhi nenze ngamunye wenu aphendule. Kuyindlela ehlakaniphile yokugwema izinkinga zomshado nezemali, nokuphikisana okungapheli ngemali.
Ukugwema ukungezwani emshadweni, zama ukwenza ibhajethi enengqondo enizophila ngayo nobabili. Kukhona ithoni yezinhlelo zokusebenza zesabelomali laphaya ezingalandelela imali oyisebenzisayo futhi zikubonise ekupheleni kwenyanga ukuthi wenze kahle kangakanani.
Iseluleko esibalulekile sezezimali semibhangqwana ukusetha umkhawulo wokusebenzisa imali; lokhu kusho ukuthi unemali ongayidluli ngaphandle kokukhuluma nomlingani wakho. Le yindlela eqinisekisiwe yokuqinisekisa ukuthi wena noshade naye nixhumana ngezimali.
Uma nivumelana ukuthi ningalokothi nisebenzise imali engaphezu kwama- $ 20 ngaphandle kokukhulumisana omunye nomunye kuqala, nobabili niyohlala nizizwa nilawula okwenzekayo ngemali yenu futhi ninciphise ukuphindaphinda kwengxabano yomshado.
Le ndatshana inemibono eminingi namathiphu wokwenza isabelomali kanye nokugcina ukungqubuzana emshadweni kuncike.
Buka futhi:
Hlela ikusasa
Ngemuva kokukhulumisana futhi unesabelomali esisebenzayo, kuhle ukuhlela ikusasa.
Dala i-akhawunti yokonga bese unquma ukuthi ufuna ukubeka imali engakanani inyanga ngayinye. Qala ukukhokha noma yisiphi isikweletu ongaba naso. Ukuphuma ezikweletini kungenye yezinto ezinhle kakhulu ongazenza ebudlelwaneni bakho. Ngeke ube nesisindo esichobozayo emahlombe akho futhi uzokwazi ukonga imali eningi noma ongabeka imali kuyo.
Uma uthola ukuthi udinga ukonga imali eyengeziwe ngenhloso noma ukuphuma esikweletini kuhlale kunamathuba wokonga noma ukwenza imali eyengeziwe uma unobuhlakani!
Ungathola nezinsizakalo ezinhle ezivela ezinkampanini ezifana ne-ACN ukukusiza wehlise izikweletu zakho ngenkathi usakwazi ukukhokhela ukuzijabulisa. Kungabonakala kungenakwenzeka, kepha lapho kukhona khona incwadi yefa, kukhona indlela. Ukuhlelela ikusasa kuzogcina wena nomlingani wakho nigxile ezinhlosweni ezifanayo.
Izimali zingasabisa kakhulu umbhangqwana omusha. Izingxabano zobudlelwano ngezinkinga zezezimali emshadweni, noma ukuphikisana nomlingani ngezindaba zemali ebudlelwaneni akuyona into engavamile.
Ungalokhu ufisa ukuthi wenze imali eningi, qala ukwenza imali yakho ikusebenzele.
Hlala phansi ukhulume ngesimo sakho sezezimali nomlingani wakho.
Ukusuka lapho, nenze isabelomali esizonisebenzela nobabili. Ungadikibali uma isabelomali sakho singasebenzi okokuqala, kungathatha izinyanga ukuthola isabelomali esisebenzayo.
Ngemuva kokuthola isabelomali, bheka amathuba okonga.
Yiba nemigomo ofuna ukuyifinyelela ukuze ikugqugquzele ngokungaguquguquki. Uma ungathola indlela yokusebenzisa lezi zeluleko ezilula ngemali nobudlelwano, uzoba nomshado ojabulisayo ngaphandle kwezingxabano emshadweni odla injabulo yakho emshadweni. ”