Ngaba umntwana unokufumana imali yeendleko zakhe? Ncedise ukuba aqonde izinto ezisisiseko zokufunda ngezezimali!
Mhlawumbi, ngokokuqala ngqa kwihlabathi lemali umntwana xa efika kwiklasi lokuqala: ukuthengwa kweencwadi zezifundo, iimpahla zeofisi. Ukutya kweSikole, ukuhlawula ukuhamba kwezothutho loluntu njalonjalo. Abazali abaninzi bayaqinisekisa: kuvela kule minyaka baqala ukunika izibalo kubantwana babo. Kwaye kunengqiqo, izazi zengqondo zithi: ngaphandle kokugcina imali, umntwana wakho akaze afunde indlela yokuphatha imali. Ingakanani ukunikela kunye nokuba kaninzi kangakanani, kuxhomekeke kumakhono akho, ubudala kunye nokuqonda komntwana wakho. Chaza kuye ukuba imali ayibonakali ngaphandle, kodwa ifunyanwa ngabasebenzi. Ukuqaphela oku, umncinci omncinci uya kuba yinto enomdla.
Waba njengomntu omdala.
Imali yePokhethi yenyathelo elinye eliya kwindlela yokuzimela kunye noxanduva lwenzala yakho. Kancinane ithole liya kufunda:
1. Nika imali yokugcina imali, cwangcisa iindleko ezinkulu kunye ncinane.
2. Ukuxabisa imali, qaphela ngakumbi kwaye uphelele.
Vumela umntwana ukuba ngokwakhe uphathe imali yakhe. Ngendlela enza ngayo, uya kugqiba ukuba unobungakanani kwaye uyayiqonda, kwaye uya kufumanisa ukuba unomdla ngokwenene.
Kwimeko yokufihla.
Thetha kwintetho yakho malunga nokuba ufuna ukunyamekela ngemali. Akukho sithuba siya kuvunyelwa oku kulandelayo:
1. Bonisa iintlawulo kubantu abangaziwa, kuquka nabalingana nabo.
2. Yishiye imali kwipokethi yengubo, ephoswe kwigumbi lokuprinta.
3. Qhathelana nemali ekhutshwe ngeveki, okanye kwinyanga.
4. Ukunika okanye ukuboleka.
5. I- litter okanye idlala ngemali.
Kwi-cinema, chips, ice cream.
Imali yokuqala yepokheji umntwana wakho angakwazi ukuwa phantsi kwi-kiosk esondeleyo. Musa ukumgxeka. Xoxa ukuba kutheni kwenzeka kwaye kwindleko enkulu ukulahla imali ekhutshwe. Qiniseka ukuba unomdla ekuthengeni umntwana wakho, unike iingcebiso, kodwa ungaceli ingxelo yeendleko. Ngaphandle kokwethemba kwinqanaba lakho, intsingiselo yoqeqesho iyancishiswa. Fundisa umntwana ukuba abeke injongo. Ukuba aphupha i-roller okanye ibhasikidi, makabeke ukuchitha imali kwi-chips kunye ne-ayisikrimu. Ndi thembisa, ukuba, kuthi, ngehlobo uqokelela isiqingatha, ngokunye, uya kwongeza.
Ikhredithi yokuthembela.
Isihloko semali sibucayi kakhulu. Qinisekisa kwimithetho emithandathu ebalulekileyo eya kunceda ukwakha umgaqo-mali wezemali kumntwana wakho.
1. Nika imali epokothini rhoqo (umzekelo, kanye ngeveki).
2. Inani lemali yepokhethi akufanele libe lincinci, kodwa lingaba likhulu - akukuhle ukunika kakhulu.
3. Kuyinto enqwenelekayo ukunikela rhoqo ngokulinganayo, okunokunyuswa njengoko inzala ikhula, umzekelo, ngosuku lokuzalwa.
4. Musa ukusebenzisa imali yepokhethi njengendlela yokuxhaphaza: ungahambisani nokuhanjiswa kwabo ngokuxhomekeke ekuphatheni nasekuhloleni kwaye ungaqhiphuki njengesijeziso.
5. Ukwandisa ububanzi benzalo: ngokunika imali, ugxininisa umntu omdala, kwaye umntu omdala uyakwazi ukuphendula izinto ezininzi.
6. I- Pocket imali ayifanele ibe yintlawulo yamabakala amahle, imilinganiselo yokuziphatha okanye uncedo lwasekhaya. Ngaphandle koko, umlandeli we-savvy unokuguqula ubuhlobo bakho naye kwi shishini loshishino, wenqaba ukwenza nantoni mahhala.
Kufuneka ngumthetho.
EUnited States, ubukhulu bemali ephaketheni bubophelelwe kwiminyaka yobudala: abantwana abaneminyaka engama-6 banikwa i-$ 6 ngeveki, abaneminyaka eyi-10 ubudala-i-$ 10, njl.
EJamani, umyalelo unikezela ngokunika abantwana abangaphantsi kweminyaka engama-60 engama-60 ngeveki, iminyaka eyi-10-12 i-euro, iminyaka eyi-13-i-euro eyi-20, iminyaka eyi-15-i-euro ezingama-30. Ukungahlawulwanga kwe-Guardians ihlawuliswe.