Kwaoko kuyimfuneko ukufumana iimpendulo zemibuzo emalunga nemali:
- njani kwaye kuphi ukugcina imali ezuziweyo?
- njani ngokuchanekileyo ukwabiwa ngemali kuzo zonke iimfuno zentsapho eselula (ngokukhawuleza yaba yinto eninzi)?
- indlela yokwenza ngayo ukuze xa uthumela imali kwi-"bhuyili" jikelele, uzive uzimeleyo njengaphambi kobomi bentsapho?
Iingcali kunye neengcali kwizengqondo zentsapho sele zinike iingcebiso zabo kule mibuzo neminye. Amacandelo okulawula uhlahlo lwabiwo-mali luyahlukana ngokwemiqathango lulandelayo: isikhwama esivamile, esicacileyo okanye esahlukileyo. Ikhefu eliqhelekileyo kuthetha ukuba abatshatileyo bafaka imali yabo kwindawo enye baze benze izigqibo ezidibeneyo malunga neendleko ezinkulu okanye ukuthenga, kwaye bathathe imali kwi-cashshi jikelele ngaphandle kokunika ingxelo. Xa ulawula iipoklethi ezihlukeneyo, iingxelo zabafazi zihluke, zihlawulwa kwiindleko okanye kwisiqingatha, okanye nganye ngokulandelelana kwazo (ii-akhawunti ezivunyelwanga ngaphambili). Isikhwama esiqhelekileyo sisisombululo senkqubo ezi zilapha ngasentla. Isibini ngasinye sikhetha ukhetho olwamkelekileyo, kodwa, nangona kunjalo, ezininzi, isisombululo sembandela yemali ebomini bentsapho, ekuqaleni, inzima kakhulu. Kuba umntu ukwanele nje ukuba usebenzise ubomi obutsha, kwaye umntu ufuna iingcebiso ezisebenzayo, ngaphandle kokwazi ukuba yiyiphi, nyanga zonke kufuneka udibanise umgodi kwibhajethi yentsapho. Cinga nge sibini.
- Ulawulo lokunyanzeleka kwemali luyimfuneko, injongo ekugqithiseleyo yezenzo ezinjalo kukuqonda ukuba imali kunye nento ehambayo, yiyiphi enye inkcitho enyanzelekileyo, kwaye ngaphandle kokuba ungayenza ngaphandle kwayo.
- Qaphela indlela ochitha ngayo imali: ngaba sisisigqibo ngokuzikhethela okanye sisishukumisele ngokukhawuleza? Ukuba unomdla, ngoko uyazi ukuba ubomi bentsapho bufuna isimo sengqondo esibandazelayo, esinokubaluleka kwimali kunye nokuthenga okwenzayo, ungagxinwa yimpembelelo - ngoko akukho mali ayaneleyo.
- Zama ukuyibeka. Kungakhathaliseki ukuba ingeniso yakho, kusoloko kunokwenzeka ukuba uhlehlise ubuncinci ubuncinci, kuba kulo mzekelo uza kuba "nemali ekhululekile" ongayithumela ekuthengeni okanye ekuphumleni.
- Ukugqithisa iindleko ezinkulu kwi-wallet yakho kubonisa ukuba kukho, kuba kwandisa isilingo sokuyisebenzisa, kwaye izilingo ebomini bentsapho ziwanele ngaphandle kwethu!
- Ungesabi ukuxoxa ngombuzo wezemali nesiqingatha sakho, kulula ukwenza isigqibo esifanelekileyo kunye.
- Musa ukugqithisa ngokulondolozwa, ngenhlanhla, oku akuyona indlela yodwa yokuphucula imeko yezemali. Amakhadi ezithengiso, izaphulelo zonyaka kunye nokuthengisa, iimitha - konke oku kuya kukunceda ukuqonda xa uthengwa kunye neentlawulo eziyimfuneko.
- Vumela ukuba uhlale ubala imali - iququzelela kwaye ikuvumela ukuba ubone ukuba "bayaphika."
- Ukuba ufumene imali, musa ukukhawuleza ukuyichitha, ulale ngolu ngcamango, ngoko ukhangele, kwaye utshintshe ingqondo yakho, ukufumana ukuthenga akuyimfuneko.
Ukucaphula, sibona ukuba umncedisi obalulekileyo ekuphathweni kwezimali zeentsapho zakho uceba. Naliphi na isicwangciso-mali seentsapho ozikhethayo (isikhwama esipheleleyo, ngokubanzi okanye esahlukileyo), ukucwangcisa kuya kukunceda ukuba ufumane iinjongo zakho zemali kwaye ulungelelanise nokulungiswa kobomi bentsapho bokwenene, kungekhona inkohliso. Kwaye ukugcinwa kunye nokuhlalutya kohlahlo lwabiwo-mali luya kukuvumela ukuba usebenzise ngendlela oyenzayo kwaye, ngokudala isikhwama sokugcina imali, ungawaqondisi nje kuphela kwiimfuno zangoku, kodwa kunye neenjongo zakho. Oko akuncedisi kuphela ukulungisa ingxaki yezemali ebomini bentsapho, kodwa ikwakhokelela kule ntlalo enqwenelekayo.