Uthando lulula, kodwa aluhlawuli amatyala akho. Imali yeyona nto ixhaphakileyo yokungaboni ngasonye nokulwa phakathi kwabantu abatshatileyo. Imali ingenza okanye yaphule nabuphi na ubudlelwane ngokudibanisa uxinzelelo kumxube. Uthando lulula, kodwa aluhlawuli amatyala akho… Zininzi iingcebiso zobudlelwane kunye neengcebiso ngezemali malunga nokuba ungabugcina njani ubudlelwane obusempilweni, nokuba imali isoyikisa ngokuqhekeka. Ke uqala phi?
Ukufumana, ukuchitha, kunye nokonga imali yinto eyimfuneko ebomini. Ukunqongophala kwemali kungakhokelela kukungaqondani kunye neengxabano kubudlelwane bakho, nto leyo ngamanye amaxesha iba nzima kwaye ingazinzanga. Kangangoko ufuna ukunqanda ukucinga ngayo, udinga imali yokuxhasa ubomi bakho bemihla ngemihla. Udinga imali yokuthenga ukutya, ukulawula iindleko zakho zasekhaya, ukukhulisa abantwana bakho, kunye nokuceba ikamva lakho. Imali ayizisi lonwabo, kodwa ibalulekile ukuze ukwazi ukuphila.
Izizathu zeengxoxo zoqoqosho
Uninzi lwabantu abatshatileyo bakufumanisa kunzima ukuphakamisa iingxaki zemali namaqabane abo kuba ngamanye amaxesha kubangela iingxabano nokungavisisani. Zininzi izizathu ezibangela ukuba izibini zijongane nobunzima bemali:
- Ingeniso ayonelanga kwinkcitho
- Inxalenye yesi sibini siphulukana nomsebenzi
- Inxalenye yesi sibini ishiywe ingenamsebenzi kwaye ngaphandle kwesibonelelo sezoqoqosho kurhulumente
- Inxalenye yesi sibini kukuthenga okungxamisekileyo okanye umthengisi wevenkile
- Omnye kwaba babini unengxaki yokungcakaza
- Unesigulo okanye ingozi engalindelekanga
- Kwenzeka ingozi efuna ukuba ubhatale imali ukuyilungisa (enje ngemoto etshayisileyo kwaye ifuna ukulungiswa)
- Banabantwana
Hamba ngendlela efanayo yezoqoqosho
Omabini amacala esi sibini kufuneka ahambe ngendlela efanayo kuqoqosho ukuthintela ukungaqondani. Nokuba siyintoni na isizathu, iingxaki zemali kubudlelwane bakho zinokusonjululwa, kwaye kuya kufuneka uqale ngokuthetha neqabane lakho ngendlela esempilweni. Iindaba ezimnandi zezokuba akukaze kube semva kwexesha ukuba nale ncoko, kwaye ukuba nomnxeba ovulekileyo wonxibelelwano malunga nemali kunempilo kubudlelwane bakho.
Okona kulindelweyo, ilifa lakho lemilinganiselo kunye neenkolelo malunga nemali kubazali nakwintsapho yakho. Usebenzisa ngokungazi ekusebenziseni imali kunye nemikhwa yokugcina. Ukuba wena neqabane lakho ninemilinganiselo neenkolelo ezahlukeneyo malunga nemali, oku kungadala ungquzulwano. Ukuthintela ukungqubana, kufuneka uqonde amaxabiso neenkolelo zeqabane lakho malunga nemali. Oku kuyakunceda ubeke inqanaba lokuxoxa ngesicwangciso sezemali.
Imibuzo yencoko emnandi malunga nemali
Ungayifaka le mibuzo xa uxoxa ngesicwangciso sakho sezemali kunye neqabane lakho, kwaye iya kukunceda wenze inkqubo yexabiso lezemali iqabane lakho:
- Athini amaxabiso neenkolelo zakho malunga nokuchitha imali?
- Athini amaxabiso akho kunye neenkolelo zakho malunga nolawulo lwamatyala?
- Athini amaxabiso akho kunye neenkolelo zakho malunga nolawulo lokonga imali?
- Athini amaxabiso neenkolelo zakho ngokwenza imali?
- Zithini iinjongo zakho zemali?
- Bakufundise ntoni abazali bakho ngemali?
- Uyihlela njani imali yakho?