Ukuhlala ngokuhle ngumnqweno wendalo kwanoma yimuphi umntu. Emva koko, ngubani ongafuni ukuchuma nokuchuma yena kunye nosapho lwakhe? Kodwa njani ukuphumeza oku?
Umbuzo ongunaphakade ophazamisa izigidi zabantu. Umba wokwabiwa kwebhajethi yentsapho akusiyo isihloko esilula. Emva koko, kungakhathaliseki ukuba umvuzo ophezulu, uhlala uncinci, kuba nezidingo zikhula. Okungathi akunakunqweneleka ukuhlala kakuhle, kuba kuqalekile kubalulekile ukufunda uqoqosho kunye nendlela echanekileyo yokuqhuba uhlahlo lwabiwo-mali.
Kukho imigaqo yokwenza uhlahlo lwabiwo-mali. Ezi ziquka ukukwazi ukugcina kunye nokwenza izitokisi. Akubona wonke umntu onokufumana ixesha lokutyelela iivenkile imihla ngemihla efuna izinto eziyimfuneko neemveliso. Kodwa kufuneka ubeke imali kwimveliso kunye nengqondo, ngokwaneleyo ixesha elithile. Kwaye ke, kwenzeka ukuba uthenge yonke into, uyibeke kwisiqandisisi kwaye uhlalise ngcamango yokuba kuya kubakho ukutya okwaneleyo ixesha elide. Kodwa ezinye zazo ziyancipha, kwaye ezinye zivele zenzeke. Kuvela ukuba imali iphonswa emoyeni.
Ngokukodwa lo mdla wokuthenga okukhulu uhleli nabantu ababehlala ngexesha apho izinto ezininzi zazingekho kwaye zathengiswa nje ngengozi. Abantu abavame ukwenza izitokisi abaziva bekhuselwe kwaye besaba ukuza kosuku olulandelayo. Ngaloo ndlela, ukuqokelela kweemveliso kunye nezinto kwenza baqiniseke ngakumbi.
Ukulahla uxinzelelo olungadingekile. Ngokuqinisekileyo, kufuneka ube nako ukugcina izibonelelo, kodwa kufuneka ufike ngoku ngokufanelekileyo kwaye ungenakuxhalabisa. Kubhetele xa ungenayo ukuphosa ngaphandle. Ngaphezu koko, xa kwenzeka intlekele yehlabathi ngokwenene, nayiphi na indawo ohlala kuyo, ayinakunceda ukuba uyiluncedo kuwe.
Kubalulekile ukugcina, kwaye oku kunzima ukuphikisana nayo. Kodwa akukho mzekelo akufanele ukuvelisa uqoqosho. Umzekelo, ukuba ufuna ukuthenga ukutya, akukho mfuneko yokuya kubo kwenye indawo ekupheleni kwesi sixeko, apho kukho imarike ephantsi. Emva koko, kulokhu, ukugcina ukuthenga, uza kuchitha imali ekuhambeni, amandla akho, ixesha kunye nempilo. Ngethuba elifanayo, ukuthenga ukutya kwixabiso elikhulu, xa kukho ixabiso elincinci lemakethe elisondeleyo, akunangqiqo. Ungasindisi kwizinto ezincinci. Uqoqosho olunjalo lubangela umntu ngokungaqiniseki ngokubanzi ngamakhono akhe. Umntu uqala ukuziva ubuhlwempu bakhe kwaye acinge nje malunga nendlela yokufikelela. Kunengqiqo ngakumbi ukufumana ingeniso eyongezelelweyo. Makungabi mkhulu kakhulu, kodwa unako ukuyondla.
Ngamanye amaxesha kwenzeka ukuba nangaphandle koqoqosho olufanelekileyo, uhlala ungenaye ipenki ephaketheni lakho. Kwaye ngokoqobo. Into ebaluleke kakhulu kule meko ayiyiyo yokwesaba. Ewe, imeko iyanzima, kodwa kuyimfuneko ukuqonda ukuba yesikhashana kwaye iya kudlula. Ukuba uyaqhubeka malunga nokuhluleka okunjalo, ngoko kuya kukwazi ukuya kwindawo eyaziwayo, eya kuba nzima ukuyilungisa.
Kuya kulungelelanisa ukuzithemba ngokwabo kwimeko yesikhashana yelungiselelo. Hlanganisa kwizinto eziza kuyenza ngaphandle kwezinto, gxininisa kwizinto ezikhoyo. Kungaba luncedo ukulinda ixesha kunye nokuzaliseka kwanoma yimuphi ukuthenga okucwangcisiweyo ngaphambili kunye nokuhlawula iibhili. Bala inani eliseleyo ngokuchanekileyo. Yishiye imali ngemali yemihla ngemihla. Kule meko, ngeli xesha, khumbula iindawo ezigcinwe kuyo. Ngendlela efanelekileyo, ixesha elibuhlungu linokufumana. Kuthiwani ukuba akukho mali? Emva koko kubalulekile ukukhangela ezinye ukuphuma. Mhlawumbi, into yokuthengisa okanye ukufumana ingeniso eyongezelelweyo, ubuncinci. Enye yeendlela ekugqibeleni kukuthatha. Kule meko kuphela, zibala ngokufanelekileyo ixesha lokuthatha imali. Musa ukufaka ingqalelo ekwandiseni imeko yakho.
Ukuba ucebile ukuthenga okuthengayo, musa ukukhawuleza ukuba wenze kwindawo yokugcina apho usibonile khona. Thetha kwintsapho yakho kunye nabahlobo, kwaye uye kwiindawo ezifanelekileyo. Hlalani nijonge iinqunto ezilungileyo kuwe. Ukunyamekela ukuthengisa kunye nokugcinwa kwezabelo. Akusoloko iphantsi kweempahla ezibonakalayo. Ngokuqhelekileyo, izaphulelo zenziwe kwimveliso engadluliyo, iphosakeleyo, ngexesha elithile elingagqibekanga.
Iitishi ezininzi zinikela ukuthenga into efunwayo ngetyala. Kwaye ukubhaliswa kwenzeka ngokukhawuleza ekuhambisweni kwepasipoti ngumthengi. Kodwa kule meko, kubalulekile ukubala i-overpayment yento. Ukuba iphesenti likhulu kakhulu, kwaye ukuthengwa akuphuculanga, mhlawumbi kulungele ukugcina imali ethile.
Zama ukuceba, qalisa ngendlela efanelekileyo yokuchitha imali. Le yindlela eqinisekileyo yobutyebi.