Umyeni uyabalalisa ngokubanzi uhlahlo lwabiwo-mali

Iingcali kwiintlalontle zentsapho ziqaphele ukuba kwiintsapho ezincinci ziphikisana nezizathu zemali zidibana ngokuphindaphindiweyo kunokuba zibonwe ekuqaleni. Emva koko, isibini esitshatileyo singayazi indlela yokwabelana ngokufanelekileyo ngengeniso yabo kwaye ihambisane nayo nenkcitho kunye neentsapho, ngokubanzi, kunye nelungu ngalinye lentsapho ngokwahlukileyo. Yaye ukuba uceba isicwangciso-mali sekhaya ngokufanelekileyo, unokuphepha ukuxabana. Kwaye, ngaphezu koko, ukudala uxanduva lwabaqabane. Kwintsapho "abesilisa" abancinci badla ngokugqithiselwa emkhombeni. Bazibona bebulumko, banengqiqo kwaye ngokubanzi, bengazi kakuhle ukuba ziphi na kwaye kutheni ukuchitha imali. Kwaye umfazi wendoda enjalo ufika kunina kwaye unxibezele ukuba umyeni wakhe uyabalisa ngokugqithiseleyo isabelo-mali sekhaya. Kwaye baqala ukucinga kunye ngale ngxaki. Emva koko, wathenga ifowuni entsha, kwaye umfazi wakhe wayegqoke iingubo ezigqithiselwe emhlabathini iminyaka yesithathu. Okanye waya kwi-cafe kunye nabahlobo kwaye ngoko kwakukho i-hoot engokuthi abantwana abanelisekile.

Ngaba ucinga ukuba umyeni unika ngokusasaza uhlahlo lwabiwo-mali kwaye lukhokelwa ziinjongo ezicacileyo kuwe? Kule meko, kubalulekile ukuba uxoxe nabatshatileyo malunga nengxaki yokucwangcisa uhlahlo lwabiwo-mali. Kwaye awudingi ukuphulaphula nabani na, ukuba uxelelwa ukuba kufuneka uhlele uhlahlo lwabiwo lwentsapho kulawo mazalwane anemivuzo eninzi. Akukho nhlobo yolu hlobo, unokuba ungatsho nokuba yonke into ijikeleze. Kungenxa yokuba injongo yokusebenzisa uhlahlo lwabiwo-mali lujongene nokubeka ngokufanelekileyo imali ekhoyo.

Yintoni ekufuneka iqalwe kwaye yintoni ekufuneka yenziwe kwixesha elizayo ukuze kulungiselelwe ngokufanelekileyo uhlahlo lwabiwo-mali kwaye ukususela kwangoku akuyi kubonakala ngathi indoda iyayisasaza isabelo-mali sekhaya? Njalo inyanga, intsapho iyayifumana ingeniso, equka imivuzo yabatshati kunye, ngamanye amaxesha, ezinye iimithombo, njengoncedo lwemali kubazali, njl. Njalo inyanga, amalungu entsapho achitha le mali kwiimfuno zabo. Bahlawula izibonelelo, i-intanethi, bathe ukutya kwaye bachithe imali ekuzonwabisa, njl. Okokuthi, inyanga nganye kwintsapho kukho iindleko. Ukuze inzuzo kunye neendleko zilungelelaniswe kakuhle, kwaye uqoqosho lwentsapho kufuneka lucetywe.

Ukwenza uhlahlo lwabiwo-mali luyacetyiswa ngenyanga. Kuhlahlo-lwabiwo-mali oluqhelekileyo, imali efunekayo kufuneka idlule iindleko, okanye ubuncinane zilingane. Xa usenza uhlahlo lwabiwo-mali, kuya kufuneka ubonise yonke ingeniso yakho, kwaye kwinkalo yenkcitho kufuneka ubhale yonke into oyifunayo ukuyihlawula (ngokuqeshisa, ukutya, iintlawulo, ukuboleka imali, i-kindergarten, njl.

Ngokudala uhlahlo lwabiwo-mali, unokuzinceda ukugcina imali yohambo lokuphumla okanye ukuthengwa kubi. Ukwenza oku, unokucwangcisa imali yakho, uhlalutye kwaye ubone ukuba yeyiphi iindleko eziye zabonakala zingenamsebenzi, kwaye ungaphila imali. Oku kunokwenziwa nje ngeenyanga ezimbalwa, kodwa nokukwenza ukuba ube ngumkhwa. Khangela kwaye izinto ziya kunyuka. Ngaloo ndlela, unako ukugcina imali kwixesha elizayo lemfundo yabantwana, kunye nemoto kunye nefriji efanelekileyo

Uhlahlo lwabiwo-mali lusetyenzise loo msebenzi njengemithintelo. Inceda loo mbhangqwana ukulawula imali engasetyenziselwa, kunye nemali engakanani yokuyeka. Oku kunceda kakhulu kwiintsapho ezincinane ezingenamava kule nkalo enzima - ukuhanjiswa kohlahlo lwabiwo-mali.

Kuzo zonke iintsapho, umntu akakwazi ukukhetha inkqubo eyodwa kunye nefanelekileyo yokunikezela uhlahlo lwabiwo-mali. Sikucebisa, ngaphambi kokuba uqalise ukuyilungisa, ukuqwalasela izinto ezifana nalezi:

- Ubudala bentsapho. Oku kufuneka kuthathelwe ingqalelo kuba kubakho abantwana abancinane kwintsapho kubonisa ukunyuka kwenkcitho kwiimpahla ezintsha, izihlangu, iimathoyizi. Abaselula banokukwazi ukufumana imali, kodwa imali yabo yokufumana imali ayifumanekanga kwaye ayibalulekanga. Ngoko akufuneki ukuba ungene kulo uluhlu lwemali.

Iimpawu zezoqoqosho ezibandakanya umthombo oyintloko wemali yengeniso - umvuzo, kunye nemithombo engundoqo-ingeniso yokuqeshisa indlu, ukususela ekuqeshweni, ukususela ekwenzeni okongeziweyo, ongeyomsebenzi omkhulu, njl.

- Inombolo yenkalo, ebonisa ukuba inani lamalungu entsapho asebenzayo nabangasebenzi. Emva kwakho konke, ukuba kukho abantu abahlanu kwintsapho yakho, kwaye kuphela omnye wenu ozuza, ngoko ngokufanelekileyo, inqanaba lemali engenayo ilungu ngalinye lentsapho liya kuba, ukulibeka ngenyameko, elincinci.

- Inqanaba lesapho leemfuno. Intsapho nganye inomgangatho othile wokuphila, kwaye phezulu, iphakamileyo kwaye ibiza kakhulu iimfuno zelungu ngalinye lentsapho libe. Ekubeni kunesidingo sokuthenga izinto ezixabisekileyo zendlu, iimpahla ezibiza, izicathulo, kufuneka uqeshe umntanakho umntwana, ukuze ukwazi ukufumana ixesha lokuchitha imali, ukuya kwi-salon enobuhle kunye negumbi lokufaneleka.

Kwaye ngoku siya kuqwalasela amanqaku aphambili ebhajethi yentsapho.

Izinto zenkcitho.

Kungenxa yokuhlaziywa kwala manqaku ukuba anikwe ixesha elide, ukuze emva koko alondoloze. Ngokwemvelo, umxholo wabo uthinteke kakhulu kwindlela yokuphila yentsapho kunye nezinto ezithandayo, kodwa kukho isampuli esetyenziswe. Iindleko eziphambili nezisigxina eziyimpawu zentsapho nganye zingabelana ngeendleko ezinjalo:

-sigxina, ngohlobo lweentlawulo zomntu kunye neentlawulo ezinyanzelekileyo, umzekelo, ukuhlawula amatyala-mboleko, iindleko zeemoto, i-intanethi, njl.

- ukutya;

- kwiingubo;

- kwimfundo kunye nophuhliso jikelele;

- ukudala ngaphakathi;

- ukuphumla;

- ukubonelela ngendlela ethile yobomi kwintsapho.

Iingxowa - iintshaba zolwabiwo-mali

Ebomi, imeko ezingalindelekanga zenzeka xa uhlahlo lwabiwo mali lwentsapho luphelile ngaphambili kunokuba lufanele lube lukho. Oku kuthetha ukuba uqikelele ngokuchanekileyo ibhajethi yakho yosapho. Kufuneka ufumane kuyo impazamo oyenzile kwaye uyilungise, ngaphandle koko le meko iyakwenzeka kwakhona. Xa ufumana ezi zizathu, qiniseka ukuba uziqwalasele, ziya kuba luncedo kuwe kwikamva.

Wena, xa unesimo esinzima, xa kusekhona iiveki ngaphambi komvuzo wakho, kwaye, njengoko besithi, ufuna ukutya, ufuna ukugqiba indlela elula yokuzalisa uhlahlo lwabiwo lwakho, ukuba ungathabatha njani imali kwi-matyala. Kodwa kufuneka uqaphele ukuba kuya kufuneka ukuba babuyiselwe, mhlawumbi nangomdla! Ukungabi nako kwebhajethi yakho ngale ndlela ayiyi kukulungisa.

Ukuthenga okuninzi

Nayiphi na ukuthenga enkulu kufuneka kucetywe kwangaphambili. Kufuneka uhlalutye ingeniso yakho kunye neendleko, qiniseka ukuba oku kuthengwa akuyi kubangela umonakalo omkhulu kwibhajethi yakho. Ukuba ungenayo ngokwaneleyo, zama ukunciphisa iindleko ezithile okanye ungabandakanyi nabo ngokupheleleyo.

Ukuba uthe waqhawula imali eyaneleyo, ungazitheli ngokuthenga, kuba uhlahlo lwabiwo-mali alufanele luphele ukuphela. Emva koko, kunokuthi kwenzeke ukuba le mali ingafuneka ngokukhawuleza kwiimeko ezibalulekileyo.

"I-bank piggy bank" kunye nabantwana

Abantu abaninzi bakholelwa ukuba kuphela amalungu omdala osapho afuneka ukuba acwangcise uhlahlo lwabiwo-mali, kwaye abantwana akufanele babe nantoni na enokuyenza nayo. Kodwa ukuvumela umntwana ukuba athathe inxaxheba kwingxoxo yoluhambo oluzayo olwandle, okanye ukuba akwazi ukulahla imali ethile, uvumela umntwana ukuba abe yindoda ebalulekileyo yentsapho. Kwaye le mzuzu wokufundisa inokukunceda ukuba ufunde kumntwana wakho inkcubeko yesimo esifanelekileyo semali kunye nonyango kunye nabo. Oku kuya kuba yimpumelelo kakhulu kuye, umntwana ngokuzayo uza kucinga ngaphambi kokuba akucele ukuba uthenge enye into yokudlala ebiza kakhulu. Emva koko, uya kuqonda ukuba imali ayibonakaliyo emoyeni, kwaye inempahla yokuphela.

Ukuqinisekisa ukuba umyeni wakho akahambanga ngokusasaza uhlahlo lwabiwo-mali, kwaye njengoko ubona kufanelekile, zenzele umzekelo webhajethi yakho yosapho.

Uhlahlo lwabiwo-mali.

Elizweni lethu, imodeli eqhelekileyo yohlahlo lwabiwo-mali libhajethi edibeneyo. Olu hlobo lwesabelomali lwentsapho luthi onke amalungu entsapho athatha inxaxheba ekulahleni imali, njengoko yonke imali iya kwi "piggy bank" enye. Amaqabane avuma ukuba akukho "yakho" kunye "nemali" kwintsapho, kungakhathaliseki ukuba ngubani ofumana ngaphezulu.

Ulwabiwo lwebhajethi

Ukuba intsapho iyamkela imodeli yohlahlo lwabiwo-mali, lithetha ukuba indoda nomfazi babala zonke iindleko ezifunekayo kwinyanga ezayo, kunye nemali eseleyo yahlula phakathi kwabo kwisiqingatha, okanye njengoko kubona kufanelekile. Ngokuqhelekileyo imali iyahlula ngokulinganayo nomvuzo wabatshatileyo. Ngokwemvelo, lowo ofumana umvuzo omncinci akayi kuyaneliseka ngolu hlobo. Emva koko, uyifumana ilungile ukuba ufumene ngaphantsi komnye ngeendleko zakhe.

Uhlahlo lwabiwo-mali

Olu hlobo lwebhajethi yentsapho luye lwasasazeka eYurophu, kwaye siqala ukuvela. Xa ucwangcisa uhlahlo lwabiwo lwentsapho lolu hlobo, abatshatileyo baqaphela kakhulu ngokuzimela kwabo ngokwezimali. Kwintsapho enjalo, abafazi bajwayele ukuzimela ngokuzimeleyo imali yabo kwaye bahlawule iimali zabo. Ewe, kwimiba ethile yezezimali bahlawula ngokulinganayo, umzekelo, bahlawula irente okanye bahlawule imfundo yabantwana.

Xa ukhetha imodeli yohlahlo lwabiwo lweentsapho lwakho, kufuneka ukhumbule ukuba kufuneka kuvunywe ngamalungu onke entsapho, ngaphandle koko kuya kubakho ukungqubuzana nokungaxakali kweentsapho.

Sonke sinemikhono kunye neengcamango malunga nobomi esasisigxina kuthi xa siphila kunye nabazali bethu, kwaye sisiphi na idlulisela intsapho yethu entsha kulutsha. Ngokuqhelekileyo kwenzeka ukuba iimbono zobomi kunye nokulawulwa kohlahlo lwabiwo-ntsapho lwabantu abatsha bahluke kakhulu, kwaye abanako ukufikelela kwisivumelwano esisodwa. Kodwa kubaluleke kakhulu ukufumana ulwimi oluqhelekileyo kule ngxaki kwaye ngokubodwa ukhethe umzekelo wohlahlo lwabiwo lwezentsapho lwakho.