-Delile
- 1. Khulumisanani
- 2. Gwema ukugcina izimfihlo
- 3. Yamukela uma kuyiphutha lakho
- 4. Qondanani umqondo womunye nomunye wemali
- 5. Beka imikhawulo yokusebenzisa imali kanye nemithetho
Ngisho nobudlelwano obuqine kakhulu bungasuswa bese buqondiswa ekubhujisweni ngenxa yenkinga yezezimali. Kuyiqiniso ukuthi imali idlala indima enkulu uma kukhulunywa ngokwaneliseka ebudlelwaneni. Abesilisa bajabulela ukuzethemba okwandayo okuza nokusimama kwezezimali kanti abesifazane babona imali njengophawu lokuvikeleka nokuzinza. Izinkinga zezezimali emshadweni zingesinye sezizathu ezivame kakhulu zokungqubuzana phakathi kwezithandani futhi ngokocwaningo, lumi endaweni yesithathu ebaluleke kakhulu eholela esahlukanisweni. Kufakazelwe ngucwaningo ukuthi yonke imibhangqwana engu-7 kwayi-10 iba nezinkinga emshadweni wayo ngenxa yezinkinga zezezimali. Okushiwo ngezansi kunemikhuba emihlanu ephezulu oyidingayo ukuze ugweme inkinga yezezimali futhi uqondise umshado wakho maqondana nenjabulo nempumelelo.
1. Khulumisanani
Ukuxhumana kuyisihluthulelo sakho konke. Udinga ukwazi ukukhuluma nomlingani wakho nganoma yini ekuhluphayo ngaphandle kokungabaza. Abazifundisi izingqondo futhi bebengeke bazi kuze kube futhi ngaphandle kokuthi ukhulume. Kuyabonakala ukuthi imibhangqwana eminingi ayikhulumi ngezimali nhlobo futhi ijwayele ukugwema isihloko ngokuphelele, ikakhulukazi ezigabeni zokuqala zobudlelwano babo. Kodwa-ke, kubalulekile ukuthi imibhangqwana ihlale phansi ixoxe ngazo zonke izimo ezingaba yinkinga yezezimali njengokuthi omunye wenu alahlekelwe ngumsebenzi, i-akhawunti ebheka ngokweqile, njll.
Uma ngabe omunye wenu enezinkinga ezithile mayelana nemikhuba yokusebenzisa umlingani wakho, indlela abaphatha ngayo imali yabo nokwenza izinqumo zezimali, kubalulekile ukuthi ubhekane nabo kungakephuzi kakhulu. Yize kungebona bonke abantu abakhululekile ukukhuluma ngemali zisuka nje, kufanele nikhulume nodwa ukuze nigweme noma yiziphi izinkinga zezimali ezivelayo emshadweni wenu.
2. Gwema ukugcina izimfihlo
Ukugcina izimfihlo kumlingani wakho akukuhle neze. Ukuba sesibophweni somshado, nobabili kudingeka nithembane ngokwanele ukuthi nizokwabelana ngakho konke nomunye, noma ngabe into enhle noma embi kangakanani. Imibhangqwana eshadile imvamisa iba nezimali ezihlangene futhi inombono othile abasebenza ngayo ngenkathi benza ukonga.
Uma uqhume ukuthengisa noma uzama ukuthola i-akhawunti yokonga ukukhokha isikweletu ngenxa yalolo tshalomali olubi, udinga ukukhululeka ngokwanele ukutshela abanye bakho abalulekile ngakho ngakho kunokuba ukufihle. Ukwabelana noshade naye nokufuna iseluleko kungavele kube wusizo esikhundleni salokho kukuholele enkingeni enkulu yezezimali emshadweni wakho.
3. Yamukela uma kuyiphutha lakho
Kukhona ithuba lokuthi kungenzeka kube nguwe onemikhuba emibi yezezimali, mhlawumbe nguwe oqhubeka nokuthenga izitolo ngezikhathi ezithile noma nguwe ongahlali nganoma yini engaphansi kwamalebula abakhiqizi abizayo, aphezulu. Uma kunguwe lowo, kuzomele ukwazi ukuqonda ukukhathazeka komlingani wakho lapho bekuveza. Udinga ukwamukela ukuthi nguwe onephutha futhi udinga ukwenza izinguquko ukugwema noma yiziphi izinkinga ezingezinhle zezezimali emshadweni wakho.
Umshado ojabulisayo udinga ukusizana nokusebenza ngokubambisana ekuxazululeni noma yiziphi izinkinga ezenzeka ngendlela yenu.
4. Qondanani umqondo womunye nomunye wemali
Kubaluleke kakhulu kuwe ukuthi kwenzekani emiqondweni yomunye nomunye uma kukhulunywa ngemali. Udinga ukuba nombono wokuthi oshade naye uvame ukubhekana kanjani nemali nokuthi bakhuliswa kanjani ngemali? Ngabe abazali babo babengabathengi abakhulu noma babhekana nezingqinamba zezimali ngenkathi bekhula? Udinga ukuqonda ukuthi yini ukwesaba okukhulu umlingani wakho anakho mayelana nemali.
Izimpendulo zakho zonke lezi zingakutshela okuningi ukuthi umlingani wakho uyiphatha kanjani imali nokuthi umshado wakho uzohamba kanjani. Ngaphezu kwalokho, imvamisa izimpikiswano eziningi phakathi kwemibhangqwana azihlobene neze nemali. Esikhundleni salokho, kungukungqubuzana kobumnene. Ukuyekethisa, kanye nesidingo sokuqonda umbono womlingani wakho kubalulekile.
5. Beka imikhawulo yokusebenzisa imali kanye nemithetho
Ukunquma imithetho ejwayelekile yokusebenzisa imali kungasiza kakhulu ekuhambeni kwesikhathi. Ungaqhamuka nemingcele futhi unqume inani elithile umuntu ngamunye angalisebenzisa ngaphandle kokwazisa ngokuthengiwe kwakho, kepha lapho nje weqa umkhawulo, udinga ukubonisana nomunye. Ngaphezu kwalokho, isabelomali somndeni singaba yindlela ephumelela ngokwedlulele yokuphatha yonke imali yakho.
Ungasebenzisa futhi izinhlelo zokusebenza eziningi ezahlukahlukene ukugcina ithrekhi yakho yonke imali oyisebenzisayo, okwenza umsebenzi ube lula kakhulu. Lokhu kuyindlela enhle yokugwema inkinga yezezimali ukuthi ingenzeki emshadweni wakho.
Isiphetho:
Sonke sibhekene nenkinga yezezimali ngesikhathi esithile empilweni yethu, kodwa kukithi ukuthi sibhekana kanjani nazo. Kufanele uvule futhi uthembeke kubalingani bakho ngazo zonke izinkinga kunokuba uzifihle. Bambisanani, zama ukuqonda omunye nomunye futhi nisebenzise amaphuzu ashiwo ngenhla ukugcina izingqinamba zezimali zingahambi kahle emshadweni wenu.