Indlela yokulawula iimali kwiintsapho

Ngethuba lethu, umrhumo wemali ngesizathu esithile ushukunywe kwisigaba, phantse, kwaye akafaneki ukuxoxwa phakathi kweentsapho. Esi sibini asinakuba yinto ekhethekileyo, nangona kunjalo, phakathi kwendoda nomfazi, yonke imicimbi yezemali kufuneka ixoxwe ngokusobala, ingqalelo yonke imiba.

Ngokuqhelekileyo kwiintsapho apho abini bomtshato basebenza khona, omnye wabo ufumana imali engaphezulu komnye, kwaye oku kubonwa njengesiqhelo. Kwaye akukho mntu ukholelwa ukuba nguye onomthwalo wokubonelela ngeendleko zeentsapho. Kodwa kukho ukungafani. Yintoni ebangele ezininzi iingxabano, kunye neengxaki zamangqina ukuba omnye womtshato ugalela yonke into kwintsapho, kwaye okwesibini ivumela ukuchitha imali ngokugqithiseleyo okufuna iimfuno zomntu, kwaye kungekhona intswelo yeentsapho.

Ukuqinisekisa ukuba izinto eziphathekayo zobomi bentsapho aziyi nyathelo ekutshatyalalisweni kobudlelwane, kuyimfuneko ukuqala ukuba njani ukuqhuba iimali kwintsapho.

Ukwakhiwa kohlahlo lwabiwo-mali luyinto ebalulekileyo ebomini kwintsapho eselula.

Lwabiwo mali.

Ulwabiwo-mali kunye nosapho lwabiwo-mali luyingxenye ebalulekileyo ebomini bethu, esiyifumanayo imihla ngemihla, kwaye ngaphandle kobukho obuqhelekileyo akunakwenzeka. Imali efumanekayo kwintsapho, ingakumbi imali ekhangayo, inokudala ukukholelwa kwemvume kunye nokulawula okupheleleyo kuzo zonke iinkalo zobomi kunye nommandla wendawo. Oku kubangele ubuninzi bokungaqondani, ukucaphukisa kunye ngenxa yokuqhawula umtshato rhoqo.

Ngokombono weengqondo zengqondo - imali, le "yesithathu ayikho into engabonakaliyo" kwiintsebenziswano zamaqabane, okufuneka ukuba afunde nendlela yokuhamba. Ngokukodwa kunzima kubantu ababengaphambi komtshato bakhokelela ubomi obuzimeleyo, kwaye bajwayele ukulahla imali yabo, okanye ngokungafaniyo, abazange benze oko ngaphambili. Impikiswano yezemali ingabangela izizathu ezahlukeneyo. Oku kungachazwa ngento yokuba, ngexabiso elincinci lezemali, umntu unesimo sokuxinezeleka, kwaye uya kuphelisa zonke iimvakalelo ezingekho phantsi kwexesha, xa kukho inkunkuma engenangqiqo, ingakumbi ukuba kwakungekho mfuneko. Kwimeko apho ingeniso yentsapho ayinakubizwa ngokuba yincinci, iimfuno, ezingasoloko zilungelelweyo, ngokunyuka ukwanda, oku kwakhona kwandisa iindleko, kwaye umphumo uphinde uphawule.

Kukho amaninzi amaninzi xa, ngenxa yokuqhawuka kwemali, izibini zazimisela ukuqhawula umtshato, kwaye ininzi yokuqhawula umtshato isahlulo sepropati eqhelekileyo, kwaze kwaba yinto yokuba inkonzo, okanye isethi yokusika, yabelwe ngeenyanga eziliqela.

Ngoko ke, ukwakheka kohlahlo lwabiwo-mali luya kuba kuwe ithuba lokuphepha ukuchitha imali, kwaye ngexesha elifanayo ukwenzela ukuba ukwazi ukulawula ngokuzimela zakho iimali ngaphandle kokuphazamiseka kwesazela.

Ngeemali kuwe.

Ukuba ubonakala ufumana kakuhle kwaye usenayo imali eyaneleyo, ngoko imeko ayiyinyaniso, okanye awuyikulawula ukuchitha kwakho imali. Ngokukodwa kufuneka ucinge ukuba, xa kuvela, uqale ukuchitha ngaphezu kokuba ufumana, usebenzisa amakhadi ekweretyana kule nto, kwaye uhlaselwa phantsi kwetyala. Le meko iyakwazi ukuqhubeka njengoko nje bobabili bahlala kwaye banelisekile yonke into. Kodwa ngokuqhelekileyo oku kwenzeka kancinci, kwaye umntu uhlala kwinqanaba elibanzi, kwaye okwesibini uzama ukusindisa kuyo yonke into enokwenzeka. Ngenxa yoko, zonke iinzame zinciphisa zibe zero ngokubhetele, ekugqithisekeni kuninzi. Ngokuqhelekileyo, ngenxa yokungabikho kwemali engenakungeniswayo, kunye nokuqinisekiswa kwexesha elizayo, iqabane "loqoqosho" lisoloko luxinzelelekileyo, olubonakaliswa ngokucacileyo ekuziphatheni kwakhe, ubudlelwane bomtshato kunye nesimo sengqondo esisemgangathweni yentsapho. Kule meko, into ekhethekileyo kukuba ukwenze umkhwa womlingane ochithayo wokulawula iindleko zabo. Ngenxa yale njongo, izivumelwano ezithile phakathi kwamaqabane apho. Ukuba ayenziwa, kwaye inkcitho iyaqhubeka, kungcono ukunika ithuba lokuxhasa intsapho kwintsebenziswano engaphezulu kwezoqoqosho.

Le meko ibonakaliswe ngokukhethekileyo kwizibini ezitshatileyo ezazingaphathi mali ngokwazo, zinexabiso elincinci lezemali, okanye zineenkalo ezahlukeneyo zoluntu lwabantu.

Siyiyo.

Ukuba kwintsapho ekuqaleni yenziwe ukuba wonke umntu ngokwayo kwisicwangciso sezemali, kubalulekile ukuba utshintshe le nto imeko. Emva kwakho konke, ukhetho olungcono, ukuba intsapho ayifuni ukwahlula imali "yakho" kunye "yam", kwaye zonke iifowuni ezifakwe endlwini ziqhelekile.

Ukwenza uhlahlo lwabiwo-mali luyimfuneko ngencoko kunye nengxoxo. Ukuba ufuna umtshato ohambelanayo, kholwani mna, ngaphandle kokunxibelelana kwesi sihloko akunako ukwenza. Zikhethe ngokuzikhethela uluhlu lweendleko ezivame ukuwela ngexesha elithile. Emva koko, khetha, phakathi kwezi ndleko, ezizona ziyimfuneko, ezingenakukhutshwa. Ngokomzekelo, inokubakho iibhidi zesevisi, ukuhlawula i-kindergarten, iintlawulo zemboleko, iindleko zepetroli, ukutya, imicimbi eyaziwayo okanye iiholide njalonjalo. Qhubeka uqwalasele oko kuthiwa ngeendleko ezongezelelweyo onokukwazi ukuzenza, kodwa abazithwali isigxina esipheleleyo, umzekelo, ukuthenga iimpahla, izixhobo, ifenitshala. Emva kokuhanjiswa kweendleko ezingundoqo kunye nezongezelelweyo, unako ukufumana imali yemali. Unokuchitha le mali ngaphandle kokuzisola kwixesha lakho elincinci, ukuphumla kwentsapho okanye ukuyeka ukuthenga okukhulu.

Ukuqhubela phambili ukulawula iindleko, unako ukugcina imbonakalo yesikhokelo sasekhaya, apho uza kubhala phantsi yonke into ebeyenayo imali. Ngaloo ndlela, ngoko kulula ukufumana isixa-mali semali, qhathanisa ngemali engenayo kwaye unokuphelisa ukuthenga okungafunekiyo.

Ukusebenzisa iingcebiso ezilula eziphendula umbuzo wendlela iimali ezigcinwa ngayo kwintsapho, ngokukhawuleza uza kufunda ukuhlala phantsi kweendlela zakho, ngaphandle kokuba uzive ulahlekelwa okanye unqongophala oluninzi lwento ethile. Into eyona nto kukuba unomnqweno wokuthatha inyathelo ukuya kwintlanganiso kwaye utshintshe imikhwa yakho, kuba ubuhlobo obusondeleyo kwintsapho, ukunyaniseka kwabo, ubude kunye nentlalo-ntle banokuxhomekeka ngqo kule sigqibo. Musa ukubeka imali ngaphezu kwayo yonke into, kuba ebomini kukho izinto ezininzi ezixabisekileyo ezingahlawulwanga nayiphi na inani leebhanki.